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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 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves4,704,5604,297,6719.474,668,8403.06
Loans Held for Sale, before Reserves285122133.612807.14
Loan Loss Reserve40,21136,16611.1839,7714.43
Net Loans Receivable4,664,6354,261,6279.464,629,3493.05
Intangible Assets100,436102,326(1.85)100,887(1.79)
Total Assets6,648,1286,280,0475.866,648,290(0.01)
Deposits4,929,9034,850,5851.644,837,8077.61
Debt, Senior and Subordinated1,080,939804,56334.351,163,610(28.42)
Common Equity577,967562,0642.83574,7802.22
Total Shareholders' Equity579,411563,5182.82576,2022.23
Shares Outstanding (actual)15,285,33515,181,1980.6915,265,6140.52
Income Statement ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income52,68748,0349.6951,9695.53
Provision for Loan Losses567769(26.27)2,014(287.39)
Noninterest Income17,70617,0683.7417,5094.50
Noninterest Expense43,72140,9346.8146,494(23.86)
Net Income Before Taxes26,22923,13713.3620,981100.05
Provision for Taxes5,7617,388(22.02)18,493(275.39)
Net Income20,46815,74929.962,4882,890.68
Per Share Items ($)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share37.8137.022.1337.651.70
Tangible Book Value31.2430.283.1631.042.55
Diluted EPS Before Extra1.331.0329.130.162,925.00
Diluted EPS After Extra1.331.0329.130.162,925.00
Dividends Declared0.48000.45006.670.47008.51
Performance Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.251.02230.15110
ROAE14.4111.472941.641,277
Net Interest Margin3.423.3843.420
Loans / Deposits95.4388.6068396.51(108)
Efficiency Ratio61.0761.13(6)65.19(413)
Balance Sheet Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.327.47(15)7.266
Equity/ Assets8.728.97(26)8.675
Asset Quality Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.410.3650.383
Loan Loss Reserves/ Gross Loans0.850.8410.850
Loan Loss Reserves/ NPAs151.44160.48(904)164.00(1,256)
Net Charge-offs/ Avg Loans0.010.03(2)0.02(1)
Regulatory Capital Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio11.6311.56711.4023
   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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