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Financial Highlights


Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Loans Held for Investment, before ReservesNA129,086NA148,493NA
Loans Held for Sale, before ReservesNA280,010NA301,970NA
Loan Loss Reserve4,5075,507(18.16)4,5070.00
Net Loans Receivable467,187403,58915.76445,95619.04
Intangible Assets000.0000.00
Total Assets590,008538,6269.54571,96912.62
Deposits518,781484,7507.02512,8534.62
Debt, Senior and SubordinatedNANANANANA
Common Equity44,35838,03916.6143,17910.92
Total Shareholders' Equity44,35838,03916.6143,17910.92
Shares Outstanding (actual)5,986,0005,851,0612.315,977,0000.60
Income Statement ($000)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Net Interest Income7,1285,65925.966,35348.80
Provision for Loan Losses000.0000.00
Noninterest Income2,6703,393(21.31)2,866(27.36)
Noninterest Expense6,9896,3649.826,66219.63
Net Income Before Taxes2,5282,688(5.95)2,557(4.54)
Provision for Taxes1,10791121.5197355.09
Net Income1,4211,777(20.03)1,584(41.16)
Per Share Items ($)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Book Value per Share7.416.5013.987.2210.30
Tangible Book Value7.416.5013.987.2210.30
Diluted EPS Before ExtraNANANANANA
Diluted EPS After ExtraNANANANANA
Dividends Declared0.08000.050060.000.08000.00
Performance Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
ROAA0.971.35(38)1.09(12)
ROAE13.1919.72(653)15.33(214)
Net Interest Margin5.36NANA4.7264
Loans / DepositsNA26.63NA28.95NA
Efficiency Ratio71.3370.3010372.26(93)
Balance Sheet Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.527.06467.55(3)
Equity/ Assets7.527.06467.55(3)
Asset Quality Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNANANANANA
Loan Loss Reserves/ Gross Loans0.961.35(39)1.00(5)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans0.000.0000.000
Regulatory Capital Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio15.96NANANANA
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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