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Financial Reports

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

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Balance Sheet ($000)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,122,9402,938,3716.283,113,4211.22
Loans Held for Sale, before Reserves1,0331,244(16.96)1,605(142.55)
Loan Loss Reserve36,15135,9330.6136,391(2.64)
Net Loans Receivable3,087,8222,903,6826.343,078,6351.19
Intangible Assets65,49065,623(0.20)65,504(0.09)
Total Assets4,136,2313,932,1695.194,135,8950.03
Deposits3,263,8633,081,3085.923,200,3667.94
Debt, Senior and Subordinated311,312318,166(2.15)378,413(70.93)
Common Equity530,699500,6156.01522,9295.94
Total Shareholders' Equity530,699500,6156.01522,9295.94
Shares Outstanding (actual)17,693,00017,628,6950.3617,677,9770.34
Income Statement ($000)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Net Interest Income35,10233,4115.0634,9701.51
Provision for Loan Losses2,8622,04340.096661,318.92
Noninterest Income12,40112,515(0.91)12,1548.13
Noninterest Expense27,73627,0052.7126,93211.94
Net Income Before Taxes16,92016,8780.2519,574(54.24)
Provision for Taxes2,0085,012(59.94)5,811(261.78)
Net Income14,91211,86625.6713,76333.39
Per Share Items ($)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Book Value per Share29.9928.405.6229.585.60
Tangible Book Value26.2924.686.5625.886.46
Diluted EPS Before Extra0.840.6725.370.7830.77
Diluted EPS After Extra0.840.6725.370.7830.77
Dividends Declared0.33000.32003.130.33000.00
Performance Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
ROAA1.431.19241.3310
ROAE11.189.4117710.4573
Net Interest Margin3.653.66(1)3.67(2)
Loans / Deposits95.6895.363297.28(160)
Efficiency Ratio57.7658.15(39)56.55121
Balance Sheet Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.4311.251811.2419
Equity/ Assets12.8312.731012.6419
Asset Quality Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets2.502.73(23)2.491
Loan Loss Reserves/ Gross Loans1.161.22(7)1.17(1)
Loan Loss Reserves/ NPAs35.0033.5114935.39(39)
Net Charge-offs/ Avg Loans0.400.26140.1822
Regulatory Capital Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio17.2017.25(5)16.9030
   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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