0001564590-21-051081.txt : 20211019 0001564590-21-051081.hdr.sgml : 20211019 20211019081337 ACCESSION NUMBER: 0001564590-21-051081 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 22 CONFORMED PERIOD OF REPORT: 20211019 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20211019 DATE AS OF CHANGE: 20211019 FILER: COMPANY DATA: COMPANY CONFORMED NAME: MainStreet Bancshares, Inc. CENTRAL INDEX KEY: 0001693577 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 812871064 STATE OF INCORPORATION: VA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-38817 FILM NUMBER: 211329673 BUSINESS ADDRESS: STREET 1: 10089 FAIRFAX BOULEVARD CITY: FAIRFAX STATE: VA ZIP: 22030 BUSINESS PHONE: (703) 481-4567 MAIL ADDRESS: STREET 1: 10089 FAIRFAX BOULEVARD CITY: FAIRFAX STATE: VA ZIP: 22030 8-K 1 mnsb-8k_20211019.htm 8-K mnsb-8k_20211019.htm
false 0001693577 Depositary Shares (each representing a 1/40th interest in a share of 7.50% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock 0001693577 2021-10-19 2021-10-19 0001693577 us-gaap:CommonStockMember 2021-10-19 2021-10-19 0001693577 mnsb:DepositaryShareMember 2021-10-19 2021-10-19

 

 

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

 

FORM 8-K

 

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 19, 2021

 

 

 

MainStreet Bancshares, Inc.

(Exact name of Registrant as Specified in Its Charter)

 

 

Virginia

001-38817

81-2871064

(State or Other Jurisdiction

of Incorporation)

(Commission File Number)

(IRS Employer

Identification No.)

 

 

 

10089 Fairfax Boulevard, Fairfax, VA

 

22030

(Address of Principal Executive Offices)

 

(Zip Code)

(703) 481-4567

(Registrant’s Telephone Number, Including Area Code)

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instructions A.2. below):

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class

 

Trading

Symbol(s)

 

Name of each exchange on which registered

 

Common Stock

 

MNSB

 

The Nasdaq Stock Market LLC

Depositary Shares (each representing a 1/40th

interest in a share of 7.50% Series A Fixed-Rate

Non-Cumulative Perpetual Preferred Stock

 

MNSBP

 

The Nasdaq Stock Market LLC

 


 

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company  

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. 

 

 


 

 

Item 2.02 Results of Operations and Financial Condition.

On October 19, 2021, MainStreet Bancshares, Inc. (the “Company”) issued a press release setting forth the Company’s third quarter unaudited financial results. A copy of the Company’s press release is attached hereto as Exhibit 99.1 and hereby incorporated by reference.

The information furnished under Item 2.02 and Item 9.01 of this Current Report on Form 8-K, including the exhibit, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to liabilities under that Section, nor shall it be deemed incorporated by reference in any registration statement or other filings of the Company under the Securities Act of 1933, as amended, except as shall be set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

 

Exhibit

Number

 

Description

99.1

 

Press Release, dated October 19, 2021, with respect to the Company’s unaudited financial results for the third quarter and year-to-date ended September 30, 2021.

104

 

Cover Page Interactive Data File (embedded within the Inline XBRL document).

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1


 

 

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

 

 

MAINSTREET BANCSHARES, INC

 

 

 

 

Date: October 19, 2021

 

By:

/s/ Thomas J. Chmelik

 

 

 

Name: Thomas J. Chmelik

 

 

 

Title: Chief Financial Officer

 

2

EX-99.1 2 mnsb-ex991_6.htm EX-99.1 mnsb-ex991_6.htm

Exhibit 99.1

 

 

 

 

 

 

 

PRESS RELEASE

 

Contact: Jeff W. Dick, Chairman & CEO

October 19, 2021, 8:00 AM ET

 

(703) 481-4567

 

MainStreet Bancshares, Inc. Reports Record Strong and Steady Third Quarter 2021 Earnings

Fairfax, Virginia – October 19, 2021 - MainStreet Bancshares, Inc. (Nasdaq: MNSB & MNSBP), the holding company for MainStreet Bank, reported net income of $4.8 million for the third quarter of 2021.  Year-to-date net income through September 30th is $17.4 million, and year-to-date results represent:

 

13.14% return on average equity

 

1.37% return on average assets

 

$2.09 earnings per share of common stock (basic and diluted)

 

$20.64 per common share book value

Year-to-date net interest income through September 30th of $39.7 million is up 20.5% over the same period last year.    

The Company’s cost of funds for the quarter-ended September 30, 2021, is 1.03%, down 32% from the same period a year earlier. The Company is on-track to continue reducing funding costs.  The Company’s efficiency ratio is 54.7% for the nine-months ended September 30, 2021.

Total assets remain steady through the year at $1.7 billion.  Net loans of $1.2 billion include approximately $264 million of new commercial loans and advances and $86 million of new Paycheck Protection Program (PPP) loans.  The table below provides a reconcilement of gross loans, inclusive and net of Paycheck Protection Program (PPP) loans.  Asset quality continues to be strong with non-performing assets representing a negligible seven hundredths of a percent of total assets on September 30, 2021.  

 

Reconcilement of Gross Loans through September 30, 2021

 

Gross Loans

(millions)

Gross Loans

Net of PPP

(millions)

 

 

% Gross Loans

 

% Gross Loans

Gross loans 12/31/2020

$1,300

 

$1,164

 

+ New loans & advances

$351

27%

$264

23%

- Repayments

$364

-28%

$229

-20%

- Sold loans*

$30

 

$30

 

Gross loans 9/30/2021

$1,257

 

$1,169

  

- ALLL 9/30/2021

$11

 

$11

 

+ PPP loans

**

 

$88

 

Net loans 9/30/2021

$1,246

 

$1,246

 

*Sold loans represent the amount of loans sold for concentration risk management purposes.  The loans that were sold yielded a net premium on sale.

** Already included in Gross Loans.

Non-interest-bearing deposits represent 34% of the $1.4 billion in total deposits.  Seventy-six percent of total deposits are core deposits.  


“The Company is extremely well positioned for a stable or rising interest rate environment,” said Jeff W. Dick, Chairman & CEO of MainStreet Bancshares, Inc. and MainStreet Bank.  “Inflation and market indicators are certainly pointing toward an interest rate adjustment, and we are well prepared for it.”

As of September 30th, the Company has $88 million remaining in PPP loans.  The origination fees yet to be realized on the remaining balance approximate $3.8 million.  Total PPP activity is recapped in the table below.

 

 

Round 1

2020

Round 2

2021

 

(millions)

Originated

$192

$86

Paydowns during 2020

$41

  -

Paydowns during 2021

$132

$17

Remaining balance 9/30/2021

$19

$69

All loans that were provided with deferrals of interest or principal during the pandemic have returned to their original payment structure prior to September 30, 2021.  

“The federal government’s implementation of PPP was vital to our customer’s financial health during the pandemic, and we are proud to have distributed $279 million of that program to many of our existing and new customers.  I’m excited to report that 68% of PPP proceeds has already been forgiven,” said Abdul Hersiburane, President of MainStreet Bank.  “With the high volume of PPP activity, it has been a challenge to achieve our normal level of growth during 2021, but we are optimistic for a strong 4th quarter.”

The Company’s hotel portfolio is performing well, reporting average August occupancy at 67.8% and average revenue per available room at $74.60.  The Company continues to retain a special 40 basis point COVID 19 Allowance for Loan and Lease Losses (ALLL) provision against the remaining balance of its hotel loan portfolio.  

The Company will be announcing its AvenuÔ Banking as a Service (BaaS) solution for fintechs on October 25th, Dick added.  “We are designing AvenuÔ to be a transformational solution for fintechs.  We look forward to sharing details about how we are serving a market segment that needs robust and fully compliant BaaS solutions.”

ABOUT MAINSTREET BANK:  MainStreet operates six branches in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C.  MainStreet Bank has 55,000 free ATMs and a fully integrated online and mobile banking solution.  The Bank is, as it can offer business customers the ability to Put Our Bank in Your Office®. With robust and easy-to-use online business banking technology, MainStreet has “put our bank” in thousands of businesses in the metropolitan area.

 

MainStreet Bank has a robust line of business and professional lending products, including government contracting lines of credit, commercial lines and term loans, residential and commercial construction, and commercial real estate.  MainStreet also works with the SBA to offer 7A and 504 lending solutions.  From sophisticated cash management to enhanced mobile banking and instant-issue Debit Cards, MainStreet Bank is always looking for ways to improve our customer’s experience.  

MainStreet Bank was the first community bank in the Washington, DC metropolitan area to offer a full online business banking solution.  MainStreet Bank was also the first bank headquartered in the Commonwealth of Virginia to offer CDARS – a solution that provides multi-million-dollar FDIC insurance.  Further information on the Bank can be obtained by visiting its website at mstreetbank.com. This release contains forward-looking statements, including our expectations with respect to future events that are subject to various risks and uncertainties.  The statements contained in this release that are not historical facts are forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Words such as “may,” “will,” “could,” “should,” “expect,” “plan,” “project,” “intend,” “anticipate,” “believe,” “estimate,” “predict,”


“potential,” “pursuant,” “target,” “continue,” and similar expressions are intended to identify such forward-looking statements. Factors that could cause actual results to differ materially from management's projections, forecasts, estimates and expectations include: fluctuation in market rates of interest and loan and deposit pricing, adverse changes in the overall national economy as well as adverse economic conditions in our specific market areas, future impacts of the novel coronavirus (COVID-19) outbreak, maintenance and development of well-established and valued client relationships and referral source relationships, and acquisition or loss of key production personnel.

We caution readers that the list of factors above is not exclusive. The forward-looking statements are made as of the date of this release, and we may not undertake steps to update the forward-looking statements to reflect the impact of any circumstances or events that arise after the date the forward-looking statements are made.  In addition, our past results of operations are not necessarily indicative of future performance.

 

 

 

 

 


 

UNAUDITED CONSOLIDATED BALANCE SHEET INFORMATION

(In thousands, except share data)

 

 

 

September 30, 2021

 

 

June 30, 2021

 

 

March 31, 2021

 

 

December 31, 2020

 

 

September 30,

2020

 

ASSETS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and cash equivalents

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and due from banks

 

$

67,992

 

 

$

120,121

 

 

$

118,399

 

 

$

75,935

 

 

$

102,480

 

Federal funds sold

 

 

65,725

 

 

 

56,164

 

 

 

51,598

 

 

 

31,593

 

 

 

25,074

 

Total cash and cash equivalents

 

 

133,717

 

 

 

176,285

 

 

 

169,997

 

 

 

107,528

 

 

 

127,554

 

Investment securities available for sale, at fair value

 

 

171,603

 

 

 

165,791

 

 

 

180,028

 

 

 

147,414

 

 

 

118,844

 

Investment securities held to maturity, at carrying value

 

 

26,081

 

 

 

26,136

 

 

 

26,427

 

 

 

22,520

 

 

 

23,114

 

Restricted equity securities, at cost

 

 

5,039

 

 

 

5,039

 

 

 

4,664

 

 

 

4,616

 

 

 

4,616

 

Loans held for sale

 

 

 

 

 

 

 

 

 

 

 

57,006

 

 

 

 

Loans, net of allowance for loan losses of $11,428, $11,133, $13,215,

$12,877, and $14,346, respectively

 

 

1,246,331

 

 

 

1,256,436

 

 

 

1,299,169

 

 

 

1,230,379

 

 

 

1,279,899

 

Premises and equipment, net

 

 

14,795

 

 

 

13,929

 

 

 

13,975

 

 

 

14,289

 

 

 

14,474

 

Other real estate owned, net

 

 

1,158

 

 

 

1,158

 

 

 

1,180

 

 

 

1,180

 

 

 

1,580

 

Accrued interest and other receivables

 

 

4,718

 

 

 

8,752

 

 

 

9,349

 

 

 

9,604

 

 

 

8,579

 

Computer software, net of amortization

 

 

1,165

 

 

 

 

 

 

 

 

 

 

 

 

 

Bank owned life insurance

 

 

35,987

 

 

 

35,736

 

 

 

25,518

 

 

 

25,341

 

 

 

25,157

 

Other assets

 

 

16,605

 

 

 

18,433

 

 

 

12,722

 

 

 

23,288

 

 

 

26,371

 

Total Assets

 

$

1,657,199

 

 

$

1,707,695

 

 

$

1,743,029

 

 

$

1,643,165

 

 

$

1,630,188

 

LIABILITIES AND STOCKHOLDERS’ EQUITY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest bearing deposits

 

$

475,157

 

 

$

486,001

 

 

$

492,463

 

 

$

370,497

 

 

$

416,648

 

Interest bearing DDA deposits

 

 

63,622

 

 

 

68,028

 

 

 

69,180

 

 

 

70,307

 

 

 

72,807

 

Savings and NOW deposits

 

 

79,556

 

 

 

72,353

 

 

 

72,259

 

 

 

74,099

 

 

 

69,015

 

Money market deposits

 

 

310,776

 

 

 

310,303

 

 

 

342,468

 

 

 

426,600

 

 

 

348,146

 

Time deposits

 

 

485,255

 

 

 

528,247

 

 

 

561,772

 

 

 

496,743

 

 

 

510,429

 

Total deposits

 

 

1,414,366

 

 

 

1,464,932

 

 

 

1,538,142

 

 

 

1,438,246

 

 

 

1,417,045

 

Subordinated debt

 

 

40,635

 

 

 

40,576

 

 

 

14,841

 

 

 

14,834

 

 

 

14,827

 

Other liabilities

 

 

18,169

 

 

 

22,559

 

 

 

17,868

 

 

 

22,420

 

 

 

25,055

 

Total Liabilities

 

 

1,473,170

 

 

 

1,528,067

 

 

 

1,570,851

 

 

 

1,475,500

 

 

 

1,456,927

 

Stockholders’ Equity:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Preferred stock

 

 

27,263

 

 

 

27,263

 

 

 

27,263

 

 

 

27,263

 

 

 

27,527

 

Common stock

 

 

29,462

 

 

 

29,446

 

 

 

29,437

 

 

 

29,130

 

 

 

32,460

 

Capital surplus

 

 

67,152

 

 

 

66,667

 

 

 

66,233

 

 

 

66,116

 

 

 

75,217

 

Retained earnings

 

 

59,920

 

 

 

55,676

 

 

 

49,090

 

 

 

44,179

 

 

 

37,105

 

Accumulated other comprehensive income

 

 

232

 

 

 

576

 

 

 

155

 

 

 

977

 

 

 

952

 

Total Stockholders’ Equity

 

 

184,029

 

 

 

179,628

 

 

 

172,178

 

 

 

167,665

 

 

 

173,261

 

Total Liabilities and Stockholders’ Equity

 

$

1,657,199

 

 

$

1,707,695

 

 

$

1,743,029

 

 

$

1,643,165

 

 

$

1,630,188

 

 


 

UNAUDITED CONSOLIDATED STATEMENTS OF INCOME INFORMATION

(In thousands, except share and per share data)

 

 

 

Year-to-Date

 

 

Three Months Ended

 

 

 

September 30, 2021

 

 

September 30, 2020

 

 

September 30, 2021

 

 

June 30, 2021

 

 

March 31, 2021

 

 

December 31, 2020

 

 

September 30, 2020

 

INTEREST INCOME:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest and fees on loans

 

$

46,211

 

 

$

43,702

 

 

$

15,162

 

 

$

15,257

 

 

$

15,792

 

 

$

15,933

 

 

$

15,083

 

Interest on investment securities

 

 

1,712

 

 

 

1,488

 

 

 

585

 

 

 

597

 

 

 

530

 

 

 

519

 

 

 

491

 

Interest on federal funds sold

 

 

73

 

 

 

416

 

 

 

38

 

 

 

20

 

 

 

15

 

 

 

15

 

 

 

12

 

Total interest income

 

 

47,996

 

 

 

45,606

 

 

 

15,785

 

 

 

15,874

 

 

 

16,337

 

 

 

16,467

 

 

 

15,586

 

INTEREST EXPENSE:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest on interest bearing DDA deposits

 

 

170

 

 

 

209

 

 

 

60

 

 

 

55

 

 

 

55

 

 

 

108

 

 

 

56

 

Interest on savings and NOW deposits

 

 

127

 

 

 

169

 

 

 

38

 

 

 

47

 

 

 

42

 

 

 

52

 

 

 

55

 

Interest on money market deposits

 

 

645

 

 

 

1,742

 

 

 

148

 

 

 

220

 

 

 

277

 

 

 

418

 

 

 

490

 

Interest on time deposits

 

 

6,039

 

 

 

9,740

 

 

 

1,795

 

 

 

1,994

 

 

 

2,250

 

 

 

2,583

 

 

 

2,841

 

Interest on Federal Home Loan Bank

   advances and other borrowings

 

 

 

 

 

107

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

13

 

Interest on subordinated debt

 

 

1,346

 

 

 

727

 

 

 

541

 

 

 

567

 

 

 

238

 

 

 

240

 

 

 

245

 

Total interest expense

 

 

8,327

 

 

 

12,694

 

 

 

2,582

 

 

 

2,883

 

 

 

2,862

 

 

 

3,401

 

 

 

3,700

 

Net interest income

 

 

39,669

 

 

 

32,912

 

 

 

13,203

 

 

 

12,991

 

 

 

13,475

 

 

 

13,066

 

 

 

11,886

 

Provision for (recovery of) loan losses

 

 

(1,470

)

 

 

6,560

 

 

 

290

 

 

 

(2,080

)

 

 

320

 

 

 

(2,950

)

 

 

635

 

Net interest income after provision

   for (recovery of) loan losses

 

 

41,139

 

 

 

26,352

 

 

 

12,913

 

 

 

15,071

 

 

 

13,155

 

 

 

16,016

 

 

 

11,251

 

NON-INTEREST INCOME:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposit account service charges

 

 

1,802

 

 

 

1,407

 

 

 

642

 

 

 

621

 

 

 

539

 

 

 

509

 

 

 

487

 

Bank owned life insurance income

 

 

647

 

 

 

595

 

 

 

252

 

 

 

218

 

 

 

177

 

 

 

183

 

 

 

199

 

Loan swap fee income

 

 

 

 

 

2,677

 

 

 

 

 

 

 

 

 

 

 

 

833

 

 

 

1,851

 

Net gain on held-to-maturity securities

 

 

3

 

 

 

 

 

 

 

 

 

 

 

 

3

 

 

 

 

 

 

 

Net gain (loss) on sale of loans

 

 

434

 

 

 

33

 

 

 

(40

)

 

 

130

 

 

 

344

 

 

 

 

 

 

33

 

Other fee income

 

 

1,601

 

 

 

878

 

 

 

632

 

 

 

586

 

 

 

383

 

 

 

378

 

 

 

288

 

Total other income

 

 

4,487

 

 

 

5,590

 

 

 

1,486

 

 

 

1,555

 

 

 

1,446

 

 

 

1,903

 

 

 

2,858

 

NON-INTEREST EXPENSES:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

14,276

 

 

 

13,191

 

 

 

4,847

 

 

 

4,663

 

 

 

4,767

 

 

 

4,746

 

 

 

4,495

 

Furniture and equipment expenses

 

 

1,743

 

 

 

1,528

 

 

 

716

 

 

 

500

 

 

 

526

 

 

 

601

 

 

 

574

 

Advertising and marketing

 

 

1,115

 

 

 

713

 

 

 

438

 

 

 

402

 

 

 

275

 

 

 

290

 

 

 

266

 

Occupancy expenses

 

 

1,092

 

 

 

910

 

 

 

399

 

 

 

387

 

 

 

306

 

 

 

360

 

 

 

332

 

Outside services

 

 

908

 

 

 

696

 

 

 

292

 

 

 

280

 

 

 

336

 

 

 

263

 

 

 

215

 

Administrative expenses

 

 

493

 

 

 

508

 

 

 

202

 

 

 

141

 

 

 

150

 

 

 

166

 

 

 

167

 

Other operating expenses

 

 

4,517

 

 

 

4,595

 

 

 

1,567

 

 

 

1,500

 

 

 

1,449

 

 

 

1,732

 

 

 

1,589

 

Total other expenses

 

 

24,144

 

 

 

22,141

 

 

 

8,461

 

 

 

7,873

 

 

 

7,809

 

 

 

8,158

 

 

 

7,638

 

Income before income tax expense

 

 

21,482

 

 

 

9,801

 

 

 

5,938

 

 

 

8,753

 

 

 

6,792

 

 

 

9,761

 

 

 

6,471

 

Income tax expense

 

 

4,124

 

 

 

1,793

 

 

 

1,155

 

 

 

1,627

 

 

 

1,342

 

 

 

2,051

 

 

 

1,299

 

Net Income

 

 

17,358

 

 

 

8,008

 

 

 

4,783

 

 

 

7,126

 

 

 

5,450

 

 

 

7,710

 

 

 

5,172

 

Preferred stock dividends

 

 

1,617

 

 

 

 

 

 

539

 

 

 

539

 

 

 

539

 

 

 

635

 

 

 

 

Net income available to common shareholders

 

$

15,741

 

 

$

8,008

 

 

$

4,244

 

 

$

6,587

 

 

$

4,911

 

 

$

7,075

 

 

$

5,172

 

Net income per common share,

   basic and diluted

 

$

2.09

 

 

$

0.97

 

 

$

0.56

 

 

$

0.87

 

 

$

0.65

 

 

$

0.92

 

 

$

0.63

 

Weighted average number of common shares,

   basic and diluted

 

 

7,547,254

 

 

 

8,274,419

 

 

 

7,571,214

 

 

 

7,546,452

 

 

 

7,523,547

 

 

 

7,700,470

 

 

 

8,272,570

 

 

 


 

UNAUDITED LOAN, DEPOSIT AND BORROWING DETAIL

(In thousands)

 

 

 

September 30, 2021

 

 

June 30, 2021

 

 

September 30, 2020

 

 

Percentage Change

 

 

 

$ Amount

 

 

% of

Total

 

 

$ Amount

 

 

% of

Total

 

 

$ Amount

 

 

% of

Total

 

 

Last

3 Mos

 

 

Last

12 Mos

 

LOANS:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Construction and land development loans

 

$

327,004

 

 

 

25.9

%

 

$

328,480

 

 

 

25.8

%

 

$

325,516

 

 

 

25.0

%

 

 

-0.4

%

 

 

0.5

%

Residential real estate loans

 

 

223,029

 

 

 

17.6

%

 

 

190,426

 

 

 

14.9

%

 

 

157,518

 

 

 

12.1

%

 

 

17.1

%

 

 

41.6

%

Commercial real estate loans

 

 

494,766

 

 

 

39.1

%

 

 

503,514

 

 

 

39.5

%

 

 

505,201

 

 

 

38.8

%

 

 

-1.7

%

 

 

-2.1

%

Commercial industrial loans - Other

 

 

102,747

 

 

 

8.1

%

 

 

93,837

 

 

 

7.4

%

 

 

88,884

 

 

 

6.8

%

 

 

9.5

%

 

 

15.6

%

Commercial industrial loans - PPP Loans

 

 

88,534

 

 

 

7.0

%

 

 

124,578

 

 

 

9.8

%

 

 

173,075

 

 

 

13.3

%

 

 

-28.9

%

 

 

-48.8

%

Consumer loans

 

 

27,740

 

 

 

2.3

%

 

 

33,643

 

 

 

2.6

%

 

 

51,505

 

 

 

4.0

%

 

 

-17.5

%

 

 

-46.1

%

Total Gross Loans

 

$

1,263,820

 

 

 

100.0

%

 

$

1,274,478

 

 

 

100.0

%

 

$

1,301,699

 

 

 

100.0

%

 

 

-0.8

%

 

 

-2.9

%

Less: Allowance for loan losses

 

 

(11,428

)

 

 

 

 

 

 

(11,133

)

 

 

 

 

 

 

(14,346

)

 

 

 

 

 

 

 

 

 

 

 

 

Net deferred loan fees

 

 

(6,061

)

 

 

 

 

 

 

(6,909

)

 

 

 

 

 

 

(7,454

)

 

 

 

 

 

 

 

 

 

 

 

 

Net Loans

 

$

1,246,331

 

 

 

 

 

 

$

1,256,436

 

 

 

 

 

 

$

1,279,899

 

 

 

 

 

 

 

 

 

 

 

 

 

DEPOSITS:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest bearing demand deposits

 

$

475,157

 

 

 

33.6

%

 

$

486,001

 

 

 

33.2

%

 

$

416,648

 

 

 

29.4

%

 

 

-2.2

%

 

 

14.0

%

Interest-bearing demand deposits:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Demand deposits

 

 

63,622

 

 

 

4.5

%

 

 

68,028

 

 

 

4.6

%

 

 

72,807

 

 

 

5.1

%

 

 

-6.5

%

 

 

-12.6

%

Savings and NOW deposits

 

 

79,556

 

 

 

5.6

%

 

 

72,353

 

 

 

4.9

%

 

 

69,015

 

 

 

4.9

%

 

 

10.0

%

 

 

15.3

%

Money market accounts

 

 

310,776

 

 

 

22.0

%

 

 

310,303

 

 

 

21.2

%

 

 

348,146

 

 

 

24.6

%

 

 

0.2

%

 

 

-10.7

%

Certificates of deposit $250,000 or more

 

 

295,454

 

 

 

20.9

%

 

 

303,769

 

 

 

20.7

%

 

 

211,800

 

 

 

14.9

%

 

 

-2.7

%

 

 

39.5

%

Certificates of deposit less than $250,000

 

 

189,801

 

 

 

13.4

%

 

 

224,478

 

 

 

15.4

%

 

 

298,629

 

 

 

21.1

%

 

 

-15.4

%

 

 

-36.4

%

Total Deposits

 

$

1,414,366

 

 

 

100.0

%

 

$

1,464,932

 

 

 

100.0

%

 

$

1,417,045

 

 

 

100.0

%

 

 

-3.5

%

 

 

-0.2

%

BORROWINGS:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Subordinated debt

 

 

40,635

 

 

 

100.0

%

 

 

40,576

 

 

 

100.0

%

 

 

14,827

 

 

 

100.0

%

 

 

0.1

%

 

 

174.1

%

Total Borrowings

 

$

40,635

 

 

 

100.0

%

 

$

40,576

 

 

 

100.0

%

 

$

14,827

 

 

 

100.0

%

 

 

0.1

%

 

 

174.1

%

Total Deposits and Borrowings

 

$

1,455,001

 

 

 

 

 

 

$

1,505,508

 

 

 

 

 

 

$

1,431,872

 

 

 

 

 

 

 

-3.4

%

 

 

1.6

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Core customer funding sources (1)

 

$

1,097,948

 

 

 

75.5

%

 

$

1,118,795

 

 

 

74.3

%

 

$

1,066,236

 

 

 

74.5

%

 

 

-1.9

%

 

 

3.0

%

Brokered and listing service sources (2)

 

 

316,418

 

 

 

21.7

%

 

 

346,137

 

 

 

23.0

%

 

 

350,809

 

 

 

24.5

%

 

 

-8.6

%

 

 

-9.8

%

Subordinated debt (3)

 

 

40,635

 

 

 

2.8

%

 

 

40,576

 

 

 

2.7

%

 

 

14,827

 

 

 

1.0

%

 

 

0.1

%

 

 

174.1

%

Total Funding Sources

 

$

1,455,001

 

 

 

100.0

%

 

$

1,505,508

 

 

 

100.0

%

 

$

1,431,872

 

 

 

100.0

%

 

 

-3.4

%

 

 

1.6

%

 

(1)

Includes ICS, CDARS, and reciprocal deposits maintained by customers, which represent sweep accounts tied to customer operating accounts

(2)

Consists of certificates of deposit (CD) through multiple listing services and multiple brokered deposit services, as well as ICS and CDARS one-way certificates of deposit and regional money market accounts

(3)

Subordinated debt obligation qualifies as Tier 2 capital at the holding company and Tier 1 capital at the Bank


UNAUDITED AVERAGE BALANCE SHEETS, INTEREST AND RATES

(In thousands)

 

 

 

For the three months ended September 30, 2021

 

 

For the three months ended September 30, 2020

 

 

 

Average

Balance

 

 

Interest

Income/

Expense

 

 

Average

Yields/ Rate

(annualized)

 

 

Average

Balance

 

 

Interest

Income/

Expense

 

 

Average

Yields/ Rate

(annualized)

 

ASSETS:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans (1)(2)(3)

 

$

1,258,485

 

 

$

15,162

 

 

 

4.78

%

 

$

1,292,566

 

 

$

15,083

 

 

 

4.63

%

Investment securities

 

 

102,893

 

 

 

585

 

 

 

2.26

%

 

 

73,486

 

 

 

491

 

 

 

2.65

%

Federal funds and interest-bearing deposits

 

 

234,363

 

 

 

38

 

 

 

0.06

%

 

 

108,666

 

 

 

12

 

 

 

0.04

%

Total interest earning assets

 

$

1,595,741

 

 

$

15,785

 

 

 

3.92

%

 

$

1,474,718

 

 

$

15,586

 

 

 

4.19

%

Other assets

 

 

88,521

 

 

 

 

 

 

 

 

 

 

 

65,665

 

 

 

 

 

 

 

 

 

Total assets

 

$

1,684,262

 

 

 

 

 

 

 

 

 

 

$

1,540,383

 

 

 

 

 

 

 

 

 

Liabilities and Stockholders’ Equity:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing demand deposits

 

$

64,966

 

 

$

60

 

 

 

0.37

%

 

$

26,469

 

 

$

56

 

 

 

0.84

%

Money market deposit accounts

 

 

302,848

 

 

 

148

 

 

 

0.19

%

 

 

332,750

 

 

 

490

 

 

 

0.58

%

Savings and NOW deposits

 

 

75,968

 

 

 

38

 

 

 

0.20

%

 

 

62,066

 

 

 

55

 

 

 

0.35

%

Time deposits

 

 

507,254

 

 

 

1,795

 

 

 

1.40

%

 

 

522,995

 

 

 

2,841

 

 

 

2.16

%

Total interest-bearing deposits

 

$

951,036

 

 

$

2,041

 

 

 

0.85

%

 

$

944,280

 

 

$

3,442

 

 

 

1.45

%

Federal funds and repos purchased

 

 

2

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Subordinated debt

 

 

40,609

 

 

 

541

 

 

 

5.29

%

 

 

14,823

 

 

 

245

 

 

 

6.56

%

FHLB borrowings

 

 

 

 

 

 

 

 

 

 

 

4,511

 

 

 

13

 

 

 

1.14

%

Total interest-bearing liabilities

 

$

991,647

 

 

$

2,582

 

 

 

1.03

%

 

$

963,614

 

 

$

3,700

 

 

 

1.52

%

Demand deposits and other liabilities

 

 

510,008

 

 

 

 

 

 

 

 

 

 

 

428,726

 

 

 

 

 

 

 

 

 

Total liabilities

 

$

1,501,655

 

 

 

 

 

 

 

 

 

 

$

1,392,340

 

 

 

 

 

 

 

 

 

Stockholders’ Equity

 

 

182,607

 

 

 

 

 

 

 

 

 

 

 

148,043

 

 

 

 

 

 

 

 

 

Total Liabilities and Stockholders’ Equity

 

$

1,684,262

 

 

 

 

 

 

 

 

 

 

$

1,540,383

 

 

 

 

 

 

 

 

 

Interest Rate Spread

 

 

 

 

 

 

 

 

 

 

2.89

%

 

 

 

 

 

 

 

 

 

 

2.67

%

Net Interest Income

 

 

 

 

 

$

13,203

 

 

 

 

 

 

 

 

 

 

$

11,886

 

 

 

 

 

Net Interest Margin

 

 

 

 

 

 

 

 

 

 

3.28

%

 

 

 

 

 

 

 

 

 

 

3.20

%

Net Interest Margin, excluding PPP loans(4)

 

 

 

 

 

 

 

 

 

 

3.14

%

 

 

 

 

 

 

 

 

 

 

3.29

%

 

(1)

Includes loans classified as non-accrual

(2)

Includes average PPP balances of $105.2 million, related interest income of approximately $263,000, and $1.1 million in PPP fees recognized for the three months ended September 30, 2021

(3)

Total loan interest income includes amortization of deferred loan fees, net of deferred loan costs

(4)

Refer to Appendix for reconciliation of non-GAAP measures



 

UNAUDITED AVERAGE BALANCE SHEETS, INTEREST AND RATES

(In thousands)

 

 

 

For the nine months ended September 30, 2021

 

 

For the nine months ended September 30, 2020

 

 

 

Average

Balance

 

 

Interest

Income/

Expense

 

 

Average

Yields/ Rate

(annualized)

 

 

Average

Balance

 

 

Interest

Income/

Expense

 

 

Average

Yields/ Rate

(annualized)

 

ASSETS:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans (1)(2)(3)

 

$

1,293,359

 

 

$

46,211

 

 

 

4.78

%

 

$

1,188,565

 

 

$

43,702

 

 

 

4.92

%

Investment securities

 

 

94,575

 

 

 

1,712

 

 

 

2.42

%

 

 

73,504

 

 

 

1,488

 

 

 

2.71

%

Federal funds and interest-bearing deposits

 

 

224,521

 

 

 

73

 

 

 

0.04

%

 

 

123,217

 

 

 

416

 

 

 

0.45

%

Total interest earning assets

 

$

1,612,455

 

 

$

47,996

 

 

 

3.98

%

 

$

1,385,286

 

 

$

45,606

 

 

 

4.40

%

Other assets

 

 

76,758

 

 

 

 

 

 

 

 

 

 

 

65,368

 

 

 

 

 

 

 

 

 

Total assets

 

$

1,689,213

 

 

 

 

 

 

 

 

 

 

$

1,450,654

 

 

 

 

 

 

 

 

 

Liabilities and Stockholders’ Equity:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing demand deposits

 

$

67,345

 

 

$

170

 

 

 

0.34

%

 

$

25,847

 

 

$

209

 

 

 

1.08

%

Money market deposit accounts

 

 

345,662

 

 

 

645

 

 

 

0.25

%

 

 

288,836

 

 

 

1,742

 

 

 

0.81

%

Savings and NOW deposits

 

 

72,591

 

 

 

127

 

 

 

0.23

%

 

 

64,513

 

 

 

169

 

 

 

0.35

%

Time deposits

 

 

508,722

 

 

 

6,039

 

 

 

1.59

%

 

 

543,531

 

 

 

9,740

 

 

 

2.40

%

Total interest-bearing deposits

 

$

994,320

 

 

$

6,981

 

 

 

0.94

%

 

$

922,727

 

 

$

11,860

 

 

 

1.72

%

Federal funds and repos purchased

 

 

1

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Subordinated debt

 

 

31,815

 

 

 

1,346

 

 

 

5.66

%

 

 

14,816

 

 

 

727

 

 

 

6.56

%

FHLB borrowings

 

 

 

 

 

 

 

 

 

 

 

8,266

 

 

 

107

 

 

 

1.73

%

Total interest-bearing liabilities

 

$

1,026,136

 

 

$

8,327

 

 

 

1.08

%

 

$

945,809

 

 

$

12,694

 

 

 

1.79

%

Demand deposits and other liabilities

 

 

486,510

 

 

 

 

 

 

 

 

 

 

 

361,771

 

 

 

 

 

 

 

 

 

Total liabilities

 

$

1,512,646

 

 

 

 

 

 

 

 

 

 

$

1,307,580

 

 

 

 

 

 

 

 

 

Stockholders’ Equity

 

 

176,567

 

 

 

 

 

 

 

 

 

 

 

143,074

 

 

 

 

 

 

 

 

 

Total Liabilities and Stockholders’ Equity

 

$

1,689,213

 

 

 

 

 

 

 

 

 

 

$

1,450,654

 

 

 

 

 

 

 

 

 

Interest Rate Spread

 

 

 

 

 

 

 

 

 

 

2.90

%

 

 

 

 

 

 

 

 

 

 

2.61

%

Net Interest Income

 

 

 

 

 

$

39,669

 

 

 

 

 

 

 

 

 

 

$

32,912

 

 

 

 

 

Net Interest Margin

 

 

 

 

 

 

 

 

 

 

3.29

%

 

 

 

 

 

 

 

 

 

 

3.18

%

Net Interest Margin, excluding PPP loans(4)

 

 

 

 

 

 

 

 

 

 

3.15

%

 

 

 

 

 

 

 

 

 

 

3.22

%

 

 

(1)

Includes loans classified as non-accrual and loans held for sale

(2)

Includes average PPP balances of $140.2 million, related interest income of approximately $1.1 million, and $4.0 million in PPP fees recognized for the nine months ended September, 2021

(3)

Total loan interest income includes amortization of deferred loan fees, net of deferred loan costs

(4)

Refer to Appendix for reconciliation of non-GAAP measures

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

UNAUDITED SUMMARY FINANCIAL DATA

(Dollars in thousands except per share data)

 

 

 

At or For the Three Months Ended

 

At or For the Nine Months Ended

 

 

 

September 30,

 

September 30,

 

 

 

2021

 

 

2020

 

2021

 

 

2020

 

Per share Data and Shares Outstanding

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Earnings per common share (basic and diluted)

 

$

0.56

 

 

$

0.63

 

$

2.09

 

 

$

0.97

 

Book value per common share

 

$

20.64

 

 

$

17.61

 

$

20.64

 

 

$

17.61

 

Tangible book value per common share(2)

 

$

20.49

 

 

$

17.61

 

$

20.49

 

 

$

17.61

 

Weighted average common shares (basic and diluted)

 

 

7,571,214

 

 

 

8,272,570

 

 

7,547,254

 

 

 

8,274,419

 

Common shares outstanding at end of period

 

 

7,593,749

 

 

 

8,277,837

 

 

7,593,749

 

 

 

8,277,837

 

Performance Ratios

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets (annualized)

 

 

1.13

%

 

 

1.33

%

 

1.37

%

 

 

0.74

%

Return on average assets, excluding impact of PPP loans (annualized)(2)

 

 

0.85

%

 

 

1.19

%

 

1.07

%

 

 

0.60

%

Return on average equity (annualized)

 

 

10.39

%

 

 

13.86

%

 

13.14

%

 

 

7.48

%

Return on average common equity (annualized)

 

 

10.84

%

 

 

14.29

%

 

14.09

%

 

 

7.56

%

Yield on earning assets (annualized)

 

 

3.92

%

 

 

4.19

%

 

3.98

%

 

 

4.40

%

Cost of interest bearing liabilities (annualized)

 

 

1.03

%

 

 

1.52

%

 

1.08

%

 

 

1.79

%

Net interest spread

 

 

2.89

%

 

 

2.67

%

 

2.90

%

 

 

2.61

%

Net interest margin (annualized)

 

 

3.28

%

 

 

3.20

%

 

3.29

%

 

 

3.18

%

Net interest margin, excluding PPP loans (annualized)(2)

 

 

3.14

%

 

 

3.29

%

 

3.15

%

 

 

3.22

%

Noninterest income as a percentage of average assets (annualized)

 

 

0.35

%

 

 

0.74

%

 

0.36

%

 

 

0.52

%

Noninterest expense to average assets (annualized)

 

 

1.99

%

 

 

1.97

%

 

1.91

%

 

 

2.04

%

Efficiency ratio(3)

 

 

57.60

%

 

 

51.80

%

 

54.68

%

 

 

57.50

%

Asset Quality

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial real estate loans to total capital (4)

 

 

341.44

%

 

 

416.76

%

 

341.44

%

 

 

416.76

%

Construction loans to total capital (5)

 

 

150.42

%

 

 

190.10

%

 

150.42

%

 

 

190.10

%

Loans 30-89 days past due to total gross loans

 

 

0.00

%

 

 

0.08

%

 

0.00

%

 

 

0.08

%

Loans 90 days past due to total gross loans

 

 

0.00

%

 

 

0.08

%

 

0.00

%

 

 

0.08

%

Non-accrual loans to total gross loans

 

 

0.00

%

 

 

0.10

%

 

0.00

%

 

 

0.10

%

Other real estate owned

 

$

1,158

 

 

$

1,580

 

$

1,158

 

 

$

1,580

 

Non-performing assets

 

$

1,158

 

 

$

2,822

 

$

1,158

 

 

$

2,822

 

Non-performing assets to total assets

 

 

0.07

%

 

 

0.17

%

 

0.07

%

 

 

0.17

%

Non-performing assets to total assets, excluding PPP loans(2)

 

 

0.07

%

 

 

0.19

%

 

0.07

%

 

 

0.19

%

Allowance for loan losses to total gross loans

 

 

0.90

%

 

 

1.10

%

 

0.90

%

 

 

1.10

%

Allowance for loan losses to total loans, excluding PPP loans(2)

 

 

0.97

%

 

 

1.27

%

 

0.97

%

 

 

1.27

%

Allowance for loan losses to non-performing assets

 

 

9.87

 

 

 

5.08

 

 

9.87

 

 

 

5.08

 

Net loan charge-offs (recoveries)

 

$

(5

)

 

$

20

 

$

(21

)

 

$

1,798

 

Net charge-offs (recoveries) to average gross loans (annualized)

 

 

0.00

%

 

 

0.01

%

 

0.00

%

 

 

0.20

%

Net charge-offs (recoveries) to average gross loans, excluding PPP loans (annualized)(2)

 

 

0.00

%

 

 

0.01

%

 

0.00

%

 

 

0.17

%

Regulatory Capital Ratios (Bank only) (1)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total risk-based capital ratio

 

 

16.48

%

 

 

13.39

%

 

16.48

%

 

 

13.39

%

Tier 1 risk-based capital ratio

 

 

15.61

%

 

 

12.27

%

 

15.61

%

 

 

12.27

%

Leverage ratio

 

 

12.23

%

 

 

10.19

%

 

12.23

%

 

 

10.19

%

Common equity tier 1 ratio

 

 

15.61

%

 

 

12.27

%

 

15.61

%

 

 

12.27

%

Other information

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Closing stock price

 

$

23.99

 

 

$

12.24

 

$

23.99

 

 

$

12.24

 

Equity / assets

 

 

11.10

%

 

 

10.63

%

 

11.10

%

 

 

10.63

%

Equity / assets, excluding PPP loans(2)

 

 

11.73

%

 

 

11.89

%

 

11.73

%

 

 

11.89

%

Average equity / average assets

 

 

10.84

%

 

 

9.61

%

 

10.45

%

 

 

10.00

%

Average equity / average assets, less average PPP loans(2)

 

 

11.56

%

 

 

10.82

%

 

11.40

%

 

 

10.62

%

Number of full time equivalent employees

 

 

128

 

 

 

123

 

 

128

 

 

 

123

 

# Full service branch offices

 

 

6

 

 

 

7

 

 

6

 

 

 

7

 

 

(1)

Regulatory capital ratios as of September 30, 2021 are preliminary

(2)

Refer to Appendix for reconciliation of non-GAAP measures

(3)

Efficiency ratio is calculated as non-interest expense as a percentage of net interest income and non-interest income

(4)

Commercial real estate includes non-owner occupied and construction loans as a percentage of Bank capital

(5)

Construction loans as a percentage of Bank capital

 

 

 


 

Reconciliation of Certain Non-GAAP Financial Measures

(Dollars In thousands)

 

 

 

 

For the three months ended September 30,

 

 

For the nine months ended September 30,

 

 

 

 

2021

 

 

 

2020

 

 

 

2021

 

 

 

2020

 

Paycheck Protection Program adjustment impact

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans held for investment (GAAP)

 

$

1,263,820

 

 

$

1,301,699

 

 

$

1,263,820

 

 

$

1,301,699

 

Less: PPP loans

 

 

88,534

 

 

 

173,075

 

 

 

88,534

 

 

 

173,075

 

Loans held for investment, excluding PPP (non-GAAP)

 

$

1,175,286

 

 

$

1,128,624

 

 

$

1,175,286

 

 

$

1,128,624

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average loans held for investment (GAAP)

 

$

1,258,485

 

 

$

1,292,566

 

 

$

1,293,359

 

 

$

1,188,565

 

Less: Average PPP loans

 

 

105,153

 

 

 

172,659

 

 

 

140,210

 

 

 

102,891

 

Average loans held for investment, excluding PPP (non-GAAP)

 

$

1,153,332

 

 

$

1,119,907

 

 

$

1,153,149

 

 

 

1,085,674

 

 

 

 

For the three months ended September 30,

 

 

For the nine months ended September 30,

 

 

 

 

2021

 

 

 

2020

 

 

 

2021

 

 

 

2020

 

Net interest margin adjustment

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income (GAAP)

 

$

13,203

 

 

$

11,886

 

 

$

39,669

 

 

$

32,912

 

Less: PPP fees recognized

 

 

1,136

 

 

 

644

 

 

 

3,958

 

 

 

1,235

 

Less: PPP interest income earned

 

 

263

 

 

 

432

 

 

 

1,052

 

 

 

772

 

Net interest income, excluding PPP income (non-GAAP)

 

 

11,804

 

 

 

10,810

 

 

 

34,659

 

 

 

30,905

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average interest earning assets (GAAP)

 

 

1,595,741

 

 

 

1,474,718

 

 

 

1,612,455

 

 

 

1,385,286

 

Less: average PPP loans

 

 

105,153

 

 

 

172,659

 

 

 

140,210

 

 

 

102,891

 

Average interest earning assets, excluding PPP (non-GAAP)

 

 

1,490,588

 

 

 

1,302,059

 

 

 

1,472,245

 

 

 

1,282,395

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest margin (GAAP)

 

 

3.28

%

 

 

3.20

%

 

 

3.29

%

 

 

3.18

%

Net interest margin, excluding PPP (non-GAAP)

 

 

3.14

%

 

 

3.29

%

 

 

3.15

%

 

 

3.22

%

 

 

 

For the three months ended September 30,

 

 

For the nine months ended September 30,

 

 

 

 

2021

 

 

 

2020

 

 

 

2021

 

 

 

2020

 

Total asset adjustment

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total assets (GAAP)

 

$

1,657,199

 

 

$

1,630,188

 

 

$

1,657,199

 

 

$

1,630,188

 

Less: PPP loans

 

 

88,534

 

 

 

173,075

 

 

 

88,534

 

 

 

173,075

 

Total assets, excluding PPP loans (non-GAAP)

 

 

1,568,665

 

 

 

1,457,113

 

 

 

1,568,665

 

 

 

1,457,113

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total equity (GAAP)

 

 

184,029

 

 

 

173,261

 

 

 

184,029

 

 

 

173,261

 

Equity / assets, excluding PPP loans (non-GAAP)

 

 

11.73

%

 

 

11.89

%

 

 

11.73

%

 

 

11.89

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average asset adjustment

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average assets (GAAP)

 

 

1,684,262

 

 

 

1,540,383

 

 

 

1,689,213

 

 

 

1,450,654

 

Less: average PPP loans

 

 

105,153

 

 

 

172,659

 

 

 

140,210

 

 

 

102,891

 

Total average assets, excluding average PPP loans

 

 

1,579,109

 

 

 

1,367,724

 

 

 

1,549,003

 

 

 

1,347,763

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total average equity (GAAP)

 

 

182,607

 

 

 

148,043

 

 

 

176,567

 

 

 

143,074

 

Average equity / average assets, excluding average PPP loans (non-GAAP)

 

 

11.56

%

 

 

10.82

%

 

 

11.40

%

 

 

10.62

%

 

 

 

 

For the three months ended September 30,

 

 

For the nine months ended September 30,

 

 

 

 

2021

 

 

 

2020

 

 

 

2021

 

 

 

2020

 

Return on Average Assets, adjusted

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income (GAAP)

 

$

4,783

 

 

$

5,172

 

 

$

17,358

 

 

$

8,008

 

Less: PPP fees recognized

 

 

1,136

 

 

 

644

 

 

 

3,958

 

 

 

1,235

 

Less: PPP interest income earned

 

 

263

 

 

 

432

 

 

 

1,052

 

 

 

772

 

Net income, excluding PPP income (non-GAAP)

 

 

3,384

 

 

 

4,096

 

 

 

12,348

 

 

 

6,001

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average total assets

 

 

1,684,262

 

 

 

1,540,383

 

 

 

1,689,213

 

 

 

1,450,654

 

Less: average PPP loans

 

 

105,153

 

 

 

172,659

 

 

 

140,210

 

 

 

102,891

 

Average total assets, excluding PPP (non-GAAP)

 

 

1,579,109

 

 

 

1,367,724

 

 

 

1,549,003

 

 

 

1,347,763

 

Return on average assets, excluding PPP (non-GAAP)

 

 

0.85

%

 

 

1.19

%

 

 

1.07

%

 

 

0.60

%

 


 

 

 

For the three months ended September 30,

 

 

For the nine months ended September 30,

 

 

 

 

2021

 

 

 

2020

 

 

 

2021

 

 

 

2020

 

Nonperforming Assets to total assets, adjusted

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total nonperforming assets (GAAP)

 

$

1,158

 

 

$

2,822

 

 

$

1,158

 

 

$

2,822

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total assets (GAAP)

 

 

1,657,199

 

 

 

1,630,188

 

 

 

1,657,199

 

 

 

1,630,188

 

Less: PPP loans

 

 

88,534

 

 

 

173,075

 

 

 

88,534

 

 

 

173,075

 

Total assets, excluding PPP loans (non-GAAP)

 

 

1,568,665

 

 

 

1,457,113

 

 

 

1,568,665

 

 

 

1,457,113

 

Nonperforming assets to total assets, excluding PPP loans (non-GAAP)

 

 

0.07

%

 

 

0.19

%

 

 

0.07

%

 

 

0.19

%

 

 

 

For the three months ended September 30,

 

 

For the nine months ended September 30,

 

 

 

 

2021

 

 

 

2020

 

 

 

2021

 

 

 

2020

 

Allowance for loan losses, adjusted

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for loan losses (GAAP)

 

$

11,428

 

 

$

14,346

 

 

$

11,428

 

 

$

14,346

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total gross loans (GAAP)

 

 

1,263,820

 

 

 

1,301,699

 

 

 

1,263,820

 

 

 

1,301,699

 

Less: PPP loans

 

 

88,534

 

 

 

173,075

 

 

 

88,534

 

 

 

173,075

 

Total gross loans, excluding PPP loans (non-GAAP)

 

 

1,175,286

 

 

 

1,128,624

 

 

 

1,175,286

 

 

 

1,128,624

 

Allowance for loan losses to total loans, excluding PPP (non-GAAP)

 

 

0.97

%

 

 

1.27

%

 

 

0.97

%

 

 

1.27

%

 

 

 

For the three months ended September 30,

 

 

For the nine months ended September 30,

 

 

 

 

2021

 

 

 

2020

 

 

 

2021

 

 

 

2020

 

Net charge-offs to average loans, adjusted

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total net charge-offs (recoveries) (GAAP)

 

$

(5

)

 

 

20

 

 

$

(21

)

 

$

1,778

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total average gross loans (GAAP)

 

 

1,258,485

 

 

 

1,292,566

 

 

 

1,293,359

 

 

 

1,188,565

 

Less: average PPP loans

 

 

105,153

 

 

 

172,659

 

 

 

140,210

 

 

 

102,891

 

Total average gross loans, excluding PPP loans (non-GAAP)

 

 

1,153,332

 

 

 

1,119,907

 

 

 

1,153,149

 

 

 

1,085,674

 

Net charge-offs (recoveries) to average gross loans, excluding PPP (annualized) (non-GAAP)

 

 

0.00

%

 

 

0.01

%

 

 

0.00

%

 

 

0.16

%

 

 

 

For the three months ended September 30,

 

 

For the nine months ended September 30,

 

 

 

 

2021

 

 

 

2020

 

 

 

2021

 

 

 

2020

 

Stockholders equity, adjusted

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total common stockholders equity

 

$

156,766

 

 

 

145,734

 

 

$

156,766

 

 

$

145,734

 

Less: intangible assets

 

 

1,165

 

 

 

 

 

 

1,165

 

 

 

 

Tangible common stockholders equity

 

 

155,601

 

 

 

145,734

 

 

 

155,601

 

 

 

145,734

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Shares outstanding

 

 

7,593,749

 

 

 

8,277,837

 

 

 

7,593,749

 

 

 

8,277,837

 

Tangible book value per common share

 

$

20.49

 

 

$

17.61

 

 

$

20.49

 

 

$

17.61

 

 

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Entity Registrant Name MainStreet Bancshares, Inc.
Entity Central Index Key 0001693577
Entity File Number 001-38817
Entity Incorporation, State or Country Code VA
Entity Tax Identification Number 81-2871064
Entity Address, Address Line One 10089 Fairfax Boulevard
Entity Address, City or Town Fairfax
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City Area Code 703
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Security Exchange Name NASDAQ
Depositary Shares [Member]  
Document Information [Line Items]  
Security12b Title Depositary Shares (each representing a 1/40th interest in a share of 7.50% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock
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Security Exchange Name NASDAQ
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