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)
2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves416,319347,67819.74404,13612.06
Loans Held for Sale, before Reserves4,4965,641(20.30)9,106(202.50)
Loan Loss Reserve3,1313,243(3.45)3,208(9.60)
Net Loans Receivable417,684350,07619.31410,0347.46
Intangible Assets000.0000.00
Total Assets512,319464,70610.25506,3524.71
Deposits436,866407,4047.23432,9833.59
Debt, Senior and Subordinated36,81910,364255.2635,47915.11
Common Equity35,81938,607(7.22)34,79411.78
Total Shareholders' Equity35,81943,634(17.91)34,79411.78
Shares Outstanding (actual)1,434,1231,430,8540.231,433,9470.05
Income Statement ($000)
2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income4,4333,69220.074,22819.39
Provision for Loan Losses000.0000.00
Noninterest Income1,7951,6478.991,66730.71
Noninterest Expense4,8204,960(2.82)5,101(22.03)
Net Income Before Taxes1,408379271.50794309.32
Provision for Taxes280106164.15153332.03
Net Income1,128273313.19641303.90
Per Share Items ($)
2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share24.9826.98(7.43)24.2611.73
Tangible Book Value24.9826.98(7.43)24.2611.73
Diluted EPS Before Extra0.790.11618.180.45302.22
Diluted EPS After Extra0.790.11618.180.45302.22
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA0.870.24630.5235
ROAE12.562.471,0097.44512
Net Interest Margin3.723.53193.76(4)
Loans / Deposits95.3085.3499693.34196
Efficiency Ratio77.0692.70(1,564)86.62(956)
Balance Sheet Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets6.999.39(240)6.8712
Equity/ Assets6.999.39(240)6.8712
Asset Quality Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.510.93(42)0.53(2)
Loan Loss Reserves/ Gross Loans0.740.92(17)0.78(3)
Loan Loss Reserves/ NPAs26.7122.4143025.7695
Net Charge-offs/ Avg Loans0.070.0350.14(6)
Regulatory Capital Ratios (%)
2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-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.



Copyright 2019, © S&P Global Market Intelligence  Terms of Use
Email pagePDF viewPrint viewEmail Alert