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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)
 2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves577,388377,98852.75529,85635.88
Loans Held for Sale, before Reserves2,3611,47260.391,723148.11
Loan Loss Reserve6,6355,68016.816,20028.06
Net Loans Receivable573,114373,78053.33525,37936.34
Intangible Assets8,0740NM7,77615.33
Total Assets724,948472,62153.39636,93555.27
Deposits613,686381,32360.94526,75466.01
Debt, Senior and Subordinated33,91729,00016.9629,00067.82
Common Equity73,09149,53147.5768,09629.34
Total Shareholders' Equity73,09160,48020.8579,045(30.13)
Shares Outstanding (actual)5,839,1344,377,73833.385,542,83721.38
Income Statement ($000)
 2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Net Interest Income6,5954,15358.806,39812.32
Provision for Loan Losses41994345.741151,057.39
Noninterest Income70855727.1160965.02
Noninterest Expense4,6373,34138.795,386(55.63)
Net Income Before Taxes1,7121,27534.271,50455.32
Provision for Taxes64347934.2456158.47
Net Income1,06979634.3094353.45
Per Share Items ($)
 2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Book Value per Share12.5211.3110.6312.297.55
Tangible Book Value11.1311.31(1.59)10.889.27
Diluted EPS Before Extra0.170.18(1.70)0.1637.97
Diluted EPS After Extra0.170.18(1.70)0.1637.97
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
ROAA0.640.70(6)0.595
ROAE5.625.27354.8182
Net Interest Margin4.293.87424.38(9)
Loans / Deposits94.0999.13(504)100.59(650)
Efficiency Ratio70.8070.90(10)76.90(610)
Balance Sheet Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.0712.80(373)11.33(226)
Equity/ Assets10.0812.80(271)12.41(233)
Asset Quality Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.300.79(49)0.35(5)
Loan Loss Reserves/ Gross Loans1.141.50(35)1.17(2)
Loan Loss Reserves/ NPAs274.86171.5510,331280.04(518)
Net Charge-offs/ Avg Loans(0.01)(0.01)0(0.16)15
Regulatory Capital Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-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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