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Balance Sheet

Financial Highlights
3/31/2017
3/31/2018
6/30/2018
12/31/2018
Assets ($000)
Cash and Due from Banks 11,720 12,013 11,607 18,292
Fed Funds Sold 132 152 180 0
Deposits at Financial Institutions 12,002 9,141 12,020 15,927
Securities Purchased, to Resell 0 0 0 0
Other Cash & Cash Equivalents 0 0 0 0
Cash and Cash Equivalents 23,854 21,306 23,807 34,219
Trading Account Securities 0 0 0 0
Available for Sale Securities 213,713 202,165 199,163 206,726
Held to Maturity Securities 46,500 44,534 43,989 42,108
Other Securities 8,520 9,699 8,935 8,143
Total Cash & Securities 292,587 277,704 275,894 291,196
Gross Loans Held for Investment 901,964 1,006,526 1,007,272 1,031,990
Loan Loss Reserve 9,713 9,168 9,289 9,139
Loans Held for Sale, before Reserves 0 0 0 146
Total Net Loans 892,251 997,358 997,983 1,022,997
Real Estate Owned and Held for Investment 3,569 3,166 3,147 1,099
Goodwill 0 0 0 0
Core Deposit Intangibles 421 0 0 0
Other Intangibles 0 0 0 0
Intangible Assets other than Goodwill 421 0 0 0
Total Intangible Assets 421 0 0 0
Loan Servicing Rights 0 0 0 0
Credit Card Rights 0 0 0 0
Other Loan Servicing Rights 0 0 0 0
Total Servicing Rights 0 0 0 0
Fixed Assets 28,588 30,286 30,975 32,740
Interest Receivable 4,278 4,786 4,769 4,841
Prepaid Expense 750 1,028 1,308 1,219
Bank-owned Life Insurance 27,531 28,282 28,466 28,834
Other Assets 12,746 10,622 11,326 10,224
Total Other Assets 73,893 75,004 76,844 77,858
Total Assets 1,262,721 1,353,232 1,353,868 1,393,150
Memo: Consolidated VIE Assets 0 0 0 0
Memo: Covered Loans 0 0 0 0
Memo: Covered OREO 0 0 0 0
Memo: Covered Securities 0 0 0 0
Memo: Covered Assets 0 0 0 0
Liabilities ($000)
Total Deposits 1,052,672 1,096,320 1,123,900 1,164,975
FHLB Borrowings 81,692 101,061 90,691 59,447
Senior Debt 81,692 121,061 90,691 78,887
Trust Preferred (FAS 150) 4,124 4,124 4,124 4,124
Total Subordinated Debt 4,124 4,124 4,124 4,124
Redeemable Financial Instruments (FAS 150) 0 0 0 0
Total Debt 85,816 125,185 94,815 83,011
Total Other Liabilities 6,520 6,683 6,509 7,703
Total Liabilities 1,145,008 1,228,188 1,225,224 1,255,689
Memo: Consolidated VIE Liabilities 0 0 0 0
Mezzanine ($000)
Redeemable Preferred 0 0 0 0
Trust Preferred Securities 0 0 0 0
Total Minority Interest 0 0 0 0
Other Mezzanine Items 0 0 0 0
Total Mezzanine Level Items 0 0 0 0
Equity ($000)
TARP Preferred Equity 0 0 0 0
Other Preferred Equity 0 0 0 0
Total Preferred Equity 0 0 0 0
Common Equity 117,713 125,044 128,644 137,461
Equity Attributable to Parent Company 117,713 125,044 128,644 137,461
Noncontrolling Interests 0 0 0 0
Total Equity 117,713 125,044 128,644 137,461
Net Unrealized Gain 35 (1,009) (1,517) (618)
Tot Acc Other Comprehensive Inc (724) (1,774) (2,263) (1,279)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 71.43 74.38 74.40 74.08
Loans/ Deposits 85.68 91.81 89.62 88.58
Loan Loss Reserves/ Gross Loans 1.08 0.91 0.92 0.89
Reserves/ Loans Held For Investment 1.08 0.91 0.92 0.89
One Year Gap/ Assets NA NA NA NA
1-4 Loans Serviced for Others($000) 0 0 0 0
Level 1 Assets($000) 6,184 2,514 8,402 9,797
Level 2 Assets($000) 211,505 202,913 193,597 197,328
Level 3 Assets($000) 8,162 9,775 10,050 11,694
Level 1 Liabilities($000) 0 0 0 0
Level 2 Liabilities($000) 0 0 0 0
Level 3 Liabilities($000) 0 0 0 0
FTE Employees(actual) 239 264 266 255
Annualized Growth Rates (%)
Asset Growth 4.13 5.10 0.19 4.26
Gross Loans HFI Growth 6.17 8.18 0.30 4.63
Deposit Growth 5.93 0.20 10.06 6.32
Average Balances ($000)
Avg Gross Loans HFI 889,944 986,729 1,000,112 1,002,249
Avg Loans HFS 0 0 0 18
Average Loans, Gross of Reserves 889,944 986,729 1,000,112 1,001,619
Avg Securities 267,973 257,905 251,645 253,827
Avg Other Int Earn Assets 9,183 9,118 14,906 14,237
Avg Secs & Other Int Earn Assets 277,156 267,023 266,551 268,064
Avg Interest Earning Assets 1,167,100 1,253,752 1,266,663 1,269,683
Avg Assets 1,245,991 1,333,185 1,349,894 1,353,106
Avg CDs 574,344 551,987 561,056 581,619
Avg Other Interest-bearing Deposits 330,765 394,420 395,611 387,178
Avg Interest-bearing Deposits 905,109 946,407 956,667 968,797
Avg Debt 92,079 107,875 107,959 93,822
Avg Interest-bearing Liabs 997,188 1,054,282 1,064,626 1,062,619
Avg Noninterest-bearing Deposits 126,827 148,371 152,498 155,003
Avg Total Deposits 1,031,936 1,094,778 1,109,165 1,123,800
Avg Preferred Equity 0 0 0 0
Avg Common Equity 116,562 124,990 126,861 129,265
Avg Equity 116,562 124,990 126,861 129,265
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