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Financial Highlights for Banks and Thrifts
Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves4,790,9684,418,5968.434,704,5607.35
Loans Held for Sale, before Reserves2250NM285(84.21)
Loan Loss Reserve41,22537,15710.9540,21110.09
Net Loans Receivable4,749,9684,381,4398.414,664,6357.32
Intangible Assets99,983101,840(1.82)100,436(1.80)
Total Assets6,745,8006,415,0125.166,648,1285.88
Deposits4,792,2294,750,7220.874,929,903(11.17)
Debt, Senior and Subordinated1,298,7751,019,00027.461,080,93980.61
Common Equity589,173575,4282.39577,9677.76
Total Shareholders' Equity590,649576,9152.38579,4117.76
Shares Outstanding (actual)15,278,43015,189,4530.5915,285,335(0.18)
Income Statement ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Net Interest Income52,71450,3014.8052,6870.20
Provision for Loan Losses1,0459767.07567337.21
Noninterest Income18,10817,4094.0217,7069.08
Noninterest Expense42,98541,1164.5543,721(6.73)
Net Income Before Taxes27,84225,20710.4526,22924.60
Provision for Taxes5,7518,248(30.27)5,761(0.69)
Net Income22,09116,95930.2620,46831.72
Per Share Items ($)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Book Value per Share38.5637.881.7937.817.94
Tangible Book Value32.0231.182.6931.249.95
Diluted EPS Before Extra1.431.1128.831.3330.08
Diluted EPS After Extra1.431.1128.831.3330.08
Dividends Declared0.48000.45006.670.48000.00
Performance Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
ROAA1.321.07251.257
ROAE15.1311.8532814.4172
Net Interest Margin3.363.45(9)3.42(6)
Loans / Deposits99.9793.0169695.43454
Efficiency Ratio59.6959.076361.07(137)
Balance Sheet Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.387.53(14)7.327
Equity/ Assets8.768.99(24)8.724
Asset Quality Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.420.3660.411
Loan Loss Reserves/ Gross Loans0.860.8420.851
Loan Loss Reserves/ NPAs149.54170.59(2,104)151.44(190)
Net Charge-offs/ Avg Loans0.00(0.00)00.01(1)
Regulatory Capital Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio11.8011.592111.6317
   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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