Financial Highlights Report

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

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


Balance Sheet ($000)
2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves418,547388,3797.77415,1433.28
Loans Held for Sale, before Reserves5,2185,372(2.87)6,128(59.40)
Loan Loss Reserve3,0273,343(9.45)3,051(3.15)
Net Loans Receivable420,738390,4087.77418,2202.41
Intangible Assets000.0000.00
Total Assets522,274488,8196.84514,8665.76
Deposits443,400421,4985.20439,0473.97
Debt, Senior and Subordinated36,64729,93122.4435,32714.95
Common Equity38,31334,23011.9337,13312.71
Total Shareholders' Equity38,31334,23011.9337,13312.71
Shares Outstanding (actual)1,438,4301,434,1360.301,435,2830.88
Income Statement ($000)
2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Net Interest Income4,4664,01111.344,488(1.96)
Provision for Loan Losses000.0000.00
Noninterest Income1,4171,3336.301,485(18.32)
Noninterest Expense4,9994,8602.864,78417.98
Net Income Before Taxes985484103.511,044(22.61)
Provision for Taxes17672144.44188(25.53)
Net Income80941296.36856(21.96)
Per Share Items ($)
2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Book Value per Share26.6423.8711.5925.8711.81
Tangible Book Value26.6423.8711.5925.8711.81
Diluted EPS Before Extra0.560.21166.670.60(26.67)
Diluted EPS After Extra0.560.21166.670.60(26.67)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
ROAA0.640.35290.66(2)
ROAE8.694.244459.29(60)
Net Interest Margin3.833.7493.7310
Loans / Deposits94.3992.1422594.56(16)
Efficiency Ratio84.9692.23(728)80.01495
Balance Sheet Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.347.00337.2112
Equity/ Assets7.347.00337.2112
Asset Quality Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.510.64(13)0.54(3)
Loan Loss Reserves/ Gross Loans0.710.85(13)0.72(1)
Loan Loss Reserves/ NPAs26.9625.3915726.6334
Net Charge-offs/ Avg Loans0.02(0.11)130.08(5)
Regulatory Capital Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNANANANANA
   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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