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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)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves282,829246,14914.90272,99914.40
Loans Held for Sale, before Reserves000.001,125NM
Loan Loss Reserve5,2504,67512.305,2003.85
Net Loans Receivable277,579241,47414.95268,92412.87
Intangible Assets000.0000.00
Total Assets364,356349,5974.22375,533(11.91)
Deposits294,141281,4824.50306,161(15.70)
Debt, Senior and Subordinated29,00029,0000.0029,0000.00
Common Equity27,93225,7478.4927,4077.66
Total Shareholders' Equity38,88136,6965.9538,3565.48
Shares Outstanding (actual)2,768,8932,757,2430.422,766,8930.29
Income Statement ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest Income3,5893,01918.883,35827.52
Provision for Loan Losses(85)250NM79NM
Noninterest Income436515(15.34)40134.91
Noninterest Expense2,8902,42319.272,39482.87
Net Income Before Taxes1,21393030.431,286(22.71)
Provision for Taxes55240237.315427.38
Net Income66152825.19744(44.62)
Per Share Items ($)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share10.099.348.039.917.37
Tangible Book Value10.099.348.039.917.37
Diluted EPS Before Extra0.230.1825.820.26(47.69)
Diluted EPS After Extra0.230.1825.820.26(47.69)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAA0.700.60100.81(11)
ROAE6.795.751047.83(104)
Net Interest Margin3.973.60373.8215
Loans / Deposits96.1587.4587189.17699
Efficiency Ratio71.9067.2047063.70820
Balance Sheet Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.6710.501710.2146
Equity/ Assets10.6710.501710.2146
Asset Quality Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.370.45(8)0.361
Loan Loss Reserves/ Gross Loans1.861.90(4)1.90(4)
Loan Loss Reserves/ NPAs206.94105.9910,095155.695,125
Net Charge-offs/ Avg Loans(0.20)0.38(58)(0.23)3
Regulatory Capital Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio11.4512.31(86)11.84(39)
   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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