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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 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Loans Held for Investment, before ReservesNA4,258,033NA4,490,330NA
Loans Held for Sale, before ReservesNA0NA183NA
Loan Loss Reserve39,77135,75511.2338,03818.22
Net Loans Receivable4,632,2884,222,2789.714,452,47516.15
Intangible Assets100,887103,214(2.25)101,360(1.87)
Total Assets6,648,2906,236,7566.606,524,0607.62
Deposits4,837,8074,625,1394.604,943,944(8.59)
Debt, Senior and Subordinated1,163,610991,55817.35925,096103.13
Common Equity574,780547,9534.90588,349(9.23)
Total Shareholders' Equity576,202549,4054.88589,868(9.27)
Shares Outstanding (actual)15,265,61415,135,9060.8615,202,4441.66
Income Statement ($000)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Net Interest Income51,96946,37412.0651,0007.60
Provision for Loan Losses2,0141,70618.054021,603.98
Noninterest Income17,29616,3166.0117,625(7.47)
Noninterest Expense46,28139,08318.4241,83042.56
Net Income Before Taxes20,98121,595(2.84)25,917(76.18)
Provision for Taxes18,4936,444186.988,491471.18
Net Income2,48815,151(83.58)17,426(342.89)
Per Share Items ($)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Book Value per Share37.6536.204.0038.70(10.84)
Tangible Book Value31.0429.385.6532.03(12.37)
Diluted EPS Before Extra0.160.99(83.84)1.14(343.86)
Diluted EPS After Extra0.160.99(83.84)1.14(343.86)
Dividends Declared0.47000.45004.440.450017.78
Performance Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
ROAA0.150.99(84)1.07(92)
ROAE1.6410.76(912)11.77(1,013)
Net Interest Margin3.423.30123.402
Loans / DepositsNA92.06NA90.82NA
Efficiency Ratio65.0960.5245759.29580
Balance Sheet Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.267.27(2)7.61(35)
Equity/ Assets8.678.81(14)9.04(37)
Asset Quality Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.380.3620.371
Loan Loss Reserves/ Gross Loans0.850.8410.850
Loan Loss Reserves/ NPAsNA158.68NA158.90NA
Net Charge-offs/ Avg Loans0.020.012(0.04)7
Regulatory Capital Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA11.85NA11.65NA
   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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