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Financial Reports

Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,087,3422,931,3855.322,969,86515.82
Loans Held for Sale, before Reserves4,6241,707170.882,599311.66
Loan Loss Reserve37,13335,6974.0235,71315.90
Net Loans Receivable3,054,8332,897,3955.432,936,75116.08
Intangible Assets65,54365,702(0.24)65,583(0.24)
Total Assets4,081,1133,895,3224.774,034,1614.66
Deposits3,105,6103,041,9832.093,159,778(6.86)
Debt, Senior and Subordinated424,663327,97229.48331,111113.02
Common Equity514,915493,6104.32507,4845.86
Total Shareholders' Equity514,915493,6104.32507,4845.86
Shares Outstanding (actual)17,670,50117,559,6010.6317,660,8680.22
Income Statement ($000)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Net Interest Income34,24033,0593.5733,09013.90
Provision for Loan Losses2,7641,87347.571,229499.59
Noninterest Income12,29311,7734.4211,58724.37
Noninterest Expense27,56627,1921.3827,644(1.13)
Net Income Before Taxes16,22115,7632.9115,79610.76
Provision for Taxes4,6804,19711.514,51914.25
Net Income11,54111,566(0.22)11,2779.36
Per Share Items ($)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Book Value per Share29.1428.113.6628.735.64
Tangible Book Value25.4324.374.3625.026.54
Diluted EPS Before Extra0.650.66(1.52)0.646.25
Diluted EPS After Extra0.650.66(1.52)0.646.25
Dividends Declared0.32000.31003.230.32000.00
Performance Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
ROAA1.141.19(5)1.15(1)
ROAE8.979.46(49)9.02(5)
Net Interest Margin3.683.71(3)3.680
Loans / Deposits99.4196.3630593.99542
Efficiency Ratio59.3259.98(66)61.18(186)
Balance Sheet Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.1911.17211.136
Equity/ Assets12.6212.67(5)12.584
Asset Quality Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.491.61(12)1.51(2)
Loan Loss Reserves/ Gross Loans1.201.22(2)1.200
Loan Loss Reserves/ NPAs34.9432.6323233.00195
Net Charge-offs/ Avg Loans0.180.34(17)0.20(2)
Regulatory Capital Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio16.8116.88(7)17.25(44)
   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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