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)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves415,143369,40812.38416,319(1.13)
Loans Held for Sale, before Reserves6,1288,047(23.85)4,496145.20
Loan Loss Reserve3,0513,239(5.80)3,131(10.22)
Net Loans Receivable418,220374,21611.76417,6840.51
Intangible Assets000.0000.00
Total Assets514,866476,9747.94512,3191.99
Deposits438,957411,6246.64436,8661.91
Debt, Senior and Subordinated35,32722,64855.9836,819(16.21)
Common Equity37,13334,3078.2435,81914.67
Total Shareholders' Equity37,13339,334(5.60)35,81914.67
Shares Outstanding (actual)1,435,2831,430,7510.321,434,1230.32
Income Statement ($000)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Net Interest Income4,4883,87115.944,4334.96
Provision for Loan Losses000.0000.00
Noninterest Income1,4851,590(6.60)1,795(69.08)
Noninterest Expense4,8404,946(2.14)4,8201.66
Net Income Before Taxes1,044212392.451,408(103.41)
Provision for Taxes1884,234(95.56)280(131.43)
Net Income856(4,022)NM1,128(96.45)
Per Share Items ($)
2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Book Value per Share25.8723.987.9024.9814.34
Tangible Book Value25.8723.987.9024.9814.34
Diluted EPS Before Extra0.60(2.92)NM0.79(96.20)
Diluted EPS After Extra0.60(2.92)NM0.79(96.20)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
ROAA0.66(3.42)4080.87(21)
ROAE9.29(36.35)4,56412.56(327)
Net Interest Margin3.733.6673.721
Loans / Deposits94.5789.7448395.30(72)
Efficiency Ratio80.9593.15(1,220)77.06389
Balance Sheet Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.218.25(103)6.9922
Equity/ Assets7.218.25(103)6.9922
Asset Quality Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.540.90(36)0.513
Loan Loss Reserves/ Gross Loans0.720.86(13)0.74(2)
Loan Loss Reserves/ NPAsNA22.65NA26.71NA
Net Charge-offs/ Avg Loans(0.01)0.00(1)0.07(8)
Regulatory Capital Ratios (%)
2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-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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