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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 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves4,418,5963,978,11311.074,297,67111.25
Loans Held for Sale, before Reserves000.00122NM
Loan Loss Reserve37,15733,12512.1736,16610.96
Net Loans Receivable4,381,4393,944,98811.064,261,62711.25
Intangible Assets101,840104,636(2.67)102,326(1.90)
Total Assets6,415,0125,924,9068.276,280,0478.60
Deposits4,750,7224,469,7216.294,850,585(8.24)
Debt, Senior and Subordinated1,019,000834,80122.07804,563106.61
Common Equity575,428552,9184.07562,0649.51
Total Shareholders' Equity576,915554,4354.05563,5189.51
Shares Outstanding (actual)15,189,45315,035,3691.0215,181,1980.22
Income Statement ($000)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Net Interest Income50,30144,90712.0148,03418.88
Provision for Loan Losses976978(0.20)769107.67
Noninterest Income17,40916,7793.7517,0687.99
Noninterest Expense41,11639,2474.7640,9341.78
Net Income Before Taxes25,20721,62516.5623,13735.79
Provision for Taxes8,2486,76022.017,38846.56
Net Income16,95914,86514.0915,74930.73
Per Share Items ($)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Book Value per Share37.8836.773.0237.029.29
Tangible Book Value31.1829.824.5730.2811.83
Diluted EPS Before Extra1.110.9813.271.0331.07
Diluted EPS After Extra1.110.9813.271.0331.07
Dividends Declared0.45000.44002.270.45000.00
Performance Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
ROAA1.071.0251.025
ROAE11.8510.988711.4738
Net Interest Margin3.453.3693.387
Loans / Deposits93.0189.0040188.60441
Efficiency Ratio59.0761.76(269)61.13(206)
Balance Sheet Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.537.73(20)7.476
Equity/ Assets8.999.36(36)8.972
Asset Quality Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.360.3240.360
Loan Loss Reserves/ Gross Loans0.840.8310.840
Loan Loss Reserves/ NPAs165.16174.23(908)159.96520
Net Charge-offs/ Avg Loans(0.00)0.04(4)0.03(3)
Regulatory Capital Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio11.5912.11(52)11.563
   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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