Investor Relations:

Investor Search
  • Entire IR Site
    Press Releases Only
    Filings Only

Investor Relations

Email pagePDF viewPrint viewTear sheetRSS FeedsMobile IR Site
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 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves674,955529,85627.38627,50930.24
Loans Held for Sale, before Reserves2,2271,72329.250NM
Loan Loss Reserve8,1006,20030.657,52530.56
Net Loans Receivable669,083525,37927.35619,98431.68
Intangible Assets7,8397,7760.817,853(0.71)
Total Assets762,945636,93519.78764,843(0.99)
Deposits667,348526,75426.69650,04710.65
Debt, Senior and Subordinated14,93029,000(48.52)33,926(223.97)
Common Equity78,37568,09615.0976,5709.43
Total Shareholders' Equity78,37579,045(0.85)76,5709.43
Shares Outstanding (actual)5,875,5025,542,8376.005,871,7520.26
Income Statement ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income7,2926,39813.977,1836.07
Provision for Loan Losses550115378.26412133.98
Noninterest Income75660924.14974(89.53)
Noninterest Expense4,7855,138(6.87)4,7582.27
Net Income Before Taxes2,7131,50480.392,921(28.48)
Provision for Taxes1,03856185.031,135(34.19)
Net Income1,67594377.621,786(24.86)
Per Share Items ($)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share13.3412.298.5813.049.17
Tangible Book Value12.0110.8810.3211.7010.33
Diluted EPS Before ExtraNANANANANA
Diluted EPS After ExtraNANANANANA
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA0.910.59320.910
ROAE8.654.813849.44(79)
Net Interest Margin4.264.39(13)3.9432
Loans / Deposits101.14100.595596.53461
Efficiency Ratio59.4673.35(1,389)58.33113
Balance Sheet Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.3411.33(199)9.0826
Equity/ Assets10.2712.41(214)10.0126
Asset Quality Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.270.35(8)0.28(1)
Loan Loss Reserves/ Gross Loans1.201.1731.200
Loan Loss Reserves/ NPAs387.93280.0410,789348.543,939
Net Charge-offs/ Avg Loans(0.02)(0.16)14(0.01)(1)
Regulatory Capital Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio8.6410.77(213)8.96(32)
   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 2017, © SNL Financial LC  Terms of Use