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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 NA NA NA 15,891
Fed Funds Sold NA NA NA 0
Deposits at Financial Institutions NA NA NA 2,191
Securities Purchased, to Resell NA NA NA 0
Other Cash & Cash Equivalents NA NA NA 50
Cash and Cash Equivalents 26,457 18,305 20,065 18,132
Trading Account Securities 0 0 0 0
Available for Sale Securities 268,378 264,676 262,615 225,409
Held to Maturity Securities 0 0 0 0
Other Securities 1,651 3,257 3,447 19,792
Total Cash & Securities 296,486 286,238 286,127 263,333
Gross Loans Held for Investment 554,181 602,582 627,902 635,049
Loan Loss Reserve 7,705 7,209 7,003 7,134
Loans Held for Sale, before Reserves 253 34 729 428
Total Net Loans 546,729 595,407 621,628 628,343
Real Estate Owned and Held for Investment 118 265 237 230
Goodwill 9,934 9,934 9,934 9,934
Core Deposit Intangibles 70 35 29 0
Other Intangibles 0 0 0 0
Intangible Assets other than Goodwill 70 35 29 0
Total Intangible Assets 10,004 9,969 9,963 9,934
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 NA NA NA 11,746
Interest Receivable NA NA NA 2,975
Prepaid Expense NA NA NA NA
Bank-owned Life Insurance NA NA NA NA
Other Assets NA NA NA 10,337
Total Other Assets 24,776 24,858 26,478 25,058
Total Assets 878,113 916,737 944,433 926,898
Memo: Consolidated VIE Assets NA NA NA NA
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 727,257 705,264 716,982 725,532
FHLB Borrowings 8,000 61,585 59,987 13,848
Senior Debt 47,754 103,802 120,532 93,188
Trust Preferred (FAS 150) 20,620 20,620 20,620 20,620
Total Subordinated Debt 20,620 20,620 20,620 20,620
Redeemable Financial Instruments (FAS 150) 0 0 0 0
Total Debt 68,374 124,422 141,152 113,808
Total Other Liabilities 6,696 9,148 8,348 8,140
Total Liabilities 802,327 838,834 866,482 847,480
Memo: Consolidated VIE Liabilities NA NA NA NA
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 75,786 77,903 77,951 79,418
Equity Attributable to Parent Company 75,786 77,903 77,951 79,418
Noncontrolling Interests 0 0 0 0
Total Equity 75,786 77,903 77,951 79,418
Net Unrealized Gain NA NA NA (4,021)
Tot Acc Other Comprehensive Inc (1,810) (4,131) (4,446) (3,485)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 63.11 65.73 66.48 68.51
Loans/ Deposits 76.20 85.44 87.58 87.53
Loan Loss Reserves/ Gross Loans 1.39 1.20 1.11 1.12
Reserves/ Loans Held For Investment 1.39 1.20 1.12 1.12
One Year Gap/ Assets NA NA NA NA
1-4 Loans Serviced for Others($000) 1,241 1,362 2,209 2,344
Level 1 Assets($000) NA NA NA 17,978
Level 2 Assets($000) NA NA NA 227,229
Level 3 Assets($000) NA NA NA 1,091
Level 1 Liabilities($000) NA NA NA 0
Level 2 Liabilities($000) NA NA NA 1,084
Level 3 Liabilities($000) NA NA NA 0
FTE Employees(actual) 190 205 208 210
Annualized Growth Rates (%)
Asset Growth (5.16) 14.77 12.08 4.84
Gross Loans HFI Growth 0.51 21 16.81 10.92
Deposit Growth (5.68) (9.68) 6.65 0.38
Average Balances ($000)
Avg Gross Loans HFI 551,858 595,907 613,941 634,414
Avg Loans HFS 149 300 423 600
Average Loans, Gross of Reserves 552,007 596,207 614,364 635,013
Avg Securities 268,988 269,072 273,418 NA
Avg Other Int Earn Assets 22,022 5,893 4,964 NA
Avg Secs & Other Int Earn Assets 291,010 274,965 278,382 116,342
Avg Interest Earning Assets 843,017 871,172 892,746 751,355
Avg Assets 882,458 912,473 935,283 945,977
Avg CDs 145,858 108,934 106,871 NA
Avg Other Interest-bearing Deposits 464,839 479,763 458,190 NA
Avg Interest-bearing Deposits 610,697 588,697 565,061 NA
Avg Debt 68,019 104,236 149,217 NA
Avg Interest-bearing Liabs 678,716 692,933 714,278 NA
Avg Noninterest-bearing Deposits 120,639 127,023 128,937 NA
Avg Total Deposits 731,336 715,720 693,998 729,111
Avg Preferred Equity 0 0 0 0
Avg Common Equity 74,845 79,130 77,769 78,341
Avg Equity 74,845 79,130 77,769 78,341
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.