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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 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves529,856340,12355.78516,62010.25
Loans Held for Sale, before Reserves1,7234,582(62.40)1,752(6.62)
Loan Loss Reserve6,2005,57511.215,87522.13
Net Loans Receivable525,379339,13054.92512,49710.05
Intangible Assets7,7760NM7,907(6.63)
Total Assets636,935462,22537.80653,385(10.07)
Deposits526,754371,87141.65542,184(11.38)
Debt, Senior and Subordinated29,00029,0000.0029,0000.00
Common Equity68,09648,80539.5367,1495.64
Total Shareholders' Equity79,04559,75432.2878,0984.85
Shares Outstanding (actual)5,542,8374,377,73826.615,537,8370.36
Income Statement ($000)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Net Interest Income6,3843,97860.484,647149.52
Provision for Loan Losses11542,775.00169(127.81)
Noninterest Income60949722.54677(40.18)
Noninterest Expense5,3723,31362.154,013135.46
Net Income Before Taxes1,5041,15829.883641,252.75
Provision for Taxes56147418.35330280.00
Net Income94368437.873410,694.12
Per Share Items ($)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Book Value per Share12.2911.1510.2012.135.28
Tangible Book Value10.8811.15(2.39)10.706.91
Diluted EPS Before Extra0.160.153.950.0062,800.00
Diluted EPS After Extra0.160.153.950.0062,800.00
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
ROAA0.590.63(4)0.0356
ROAE5.294.62680.19510
Net Interest Margin4.383.90483.7662
Loans / Deposits100.5991.4691395.28530
Efficiency Ratio76.8074.0028075.40140
Balance Sheet Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.3312.93(160)10.8745
Equity/ Assets12.4112.93(52)11.9546
Asset Quality Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.351.27(92)0.45(10)
Loan Loss Reserves/ Gross Loans1.171.62(45)1.133
Loan Loss Reserves/ NPAs280.04114.3816,565236.514,352
Net Charge-offs/ Avg Loans(0.16)(0.01)(15)(0.01)(15)
Regulatory Capital Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.71NANANA
   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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