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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 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves624,188518,37220.41605,31312.47
Loans Held for Sale, before Reserves3,3210NM3,14622.25
Loan Loss Reserve7,5255,87528.097,10023.94
Net Loans Receivable619,984512,49720.97601,35912.39
Intangible Assets7,8537,909(0.71)7,867(0.71)
Total Assets764,745652,93517.12768,729(2.07)
Deposits650,047542,18419.89656,585(3.98)
Debt, Senior and Subordinated33,92629,00016.9933,9210.06
Common Equity76,47266,98914.1674,8668.58
Total Shareholders' Equity76,47277,938(1.88)74,8668.58
Shares Outstanding (actual)5,871,7525,537,8376.035,871,7520.00
Income Statement ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income7,1834,64754.576,97411.99
Provision for Loan Losses412169143.79457(39.39)
Noninterest Income97467743.87768107.29
Noninterest Expense4,7584,01318.564,7213.13
Net Income Before Taxes2,921923,075.002,277113.13
Provision for Taxes1,135218420.64883114.16
Net Income1,786(126)NM1,394112.48
Per Share Items ($)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share13.0212.107.6612.758.58
Tangible Book Value11.6910.679.5411.419.67
Diluted EPS Before ExtraNANANANANA
Diluted EPS After ExtraNANANANANA
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA0.91(0.10)1010.7615
ROAE9.44(0.72)1,0167.54190
Net Interest Margin3.943.75194.12(18)
Loans / Deposits96.0295.614192.19383
Efficiency Ratio58.3375.40(1,707)60.99(266)
Balance Sheet Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.0710.86(179)8.8126
Equity/ Assets10.0011.94(194)9.7426
Asset Quality Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.280.46(18)0.244
Loan Loss Reserves/ Gross Loans1.201.1371.173
Loan Loss Reserves/ NPAs348.38198.5514,983390.97(4,259)
Net Charge-offs/ Avg Loans(0.01)(0.01)0(0.01)0
Regulatory Capital Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio8.9610.88(192)9.00(4)
   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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