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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)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves4,297,6713,820,86612.484,258,0333.72
Loans Held for Sale, before Reserves12247159.570NM
Loan Loss Reserve36,16632,53011.1835,7554.60
Net Loans Receivable4,261,6273,788,38312.494,222,2783.73
Intangible Assets102,358104,987(2.50)103,214(3.32)
Total Assets6,280,0475,764,9718.936,236,7562.78
Deposits4,850,5854,555,2286.484,625,13919.50
Debt, Senior and Subordinated804,563609,44432.02991,558(75.43)
Common Equity562,064538,4084.39547,95310.30
Total Shareholders' Equity563,518539,8934.38549,40510.28
Shares Outstanding (actual)15,181,19815,023,7761.0515,135,9061.20
Income Statement ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income48,03444,0389.0746,37414.32
Provision for Loan Losses769855(10.06)1,706(219.70)
Noninterest Income17,24017,271(0.18)16,31622.65
Noninterest Expense41,10639,5064.0539,08320.70
Net Income Before Taxes23,13721,1809.2421,59528.56
Provision for Taxes7,3886,8967.136,44458.60
Net Income15,74914,28410.2615,15115.79
Per Share Items ($)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share37.0235.843.3136.209.08
Tangible Book Value30.2828.854.9629.3812.23
Diluted EPS Before Extra1.030.949.570.9916.16
Diluted EPS After Extra1.030.949.570.9916.16
Dividends Declared0.45000.44002.270.45000.00
Performance Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA1.021.0020.993
ROAE11.4710.856210.7671
Net Interest Margin3.383.3623.308
Loans / Deposits88.6083.8847292.06(346)
Efficiency Ratio61.2362.53(130)60.5271
Balance Sheet Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.467.68(22)7.2719
Equity/ Assets8.979.37(39)8.8116
Asset Quality Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.360.39(3)0.360
Loan Loss Reserves/ Gross Loans0.840.85(1)0.840
Loan Loss Reserves/ NPAs159.96144.301,565158.35161
Net Charge-offs/ Avg Loans0.030.0300.013
Regulatory Capital Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio11.5612.32(76)11.85(29)
   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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