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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 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves159,247137,33415.96153,00116.33
Loans Held for Sale, before Reserves343,389279,13923.02318,69331.00
Loan Loss Reserve4,5075,507(18.16)4,5070.00
Net Loans Receivable498,129410,96621.21467,18726.49
Intangible Assets000.0000.00
Total Assets615,406578,9176.30590,00817.22
Deposits534,599522,7252.27518,78112.20
Debt, Senior and SubordinatedNANANANANA
Common Equity55,50139,48840.5544,358100.48
Total Shareholders' Equity55,50139,48840.5544,358100.48
Shares Outstanding (actual)6,532,0005,854,31111.585,986,00036.49
Income Statement ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income7,8935,80935.887,12842.93
Provision for Loan Losses000.0000.00
Noninterest Income2,0084,060(50.54)2,670(99.18)
Noninterest Expense6,9727,253(3.87)6,989(0.97)
Net Income Before Taxes2,6992,31516.592,52827.06
Provision for Taxes1,27481755.941,10760.34
Net Income1,4251,499(4.94)1,4211.13
Per Share Items ($)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share8.506.7525.977.4158.65
Tangible Book Value8.506.7525.977.4158.65
Diluted EPS Before ExtraNANANANANA
Diluted EPS After ExtraNANANANANA
Dividends Declared0.08000.050060.000.08000.00
Performance Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
ROAA0.921.03(11)0.97(5)
ROAE12.5615.74(318)13.19(63)
Net Interest MarginNANANA5.29NA
Loans / Deposits29.7926.2735229.4930
Efficiency Ratio70.4273.49(308)71.33(91)
Balance Sheet Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.026.822207.52150
Equity/ Assets9.026.822207.52150
Asset Quality Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNANANANANA
Loan Loss Reserves/ Gross Loans0.901.32(43)0.96(6)
Loan Loss Reserves/ NPAsNANANANANA
Net Charge-offs/ Avg Loans0.000.0000.000
Regulatory Capital Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio18.5315.8526815.96257
   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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