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Financial Reports

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

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Balance Sheet ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,169,0423,087,3422.653,118,2416.52
Loans Held for Sale, before Reserves1,0934,624(76.36)1,145(18.17)
Loan Loss Reserve35,77137,133(3.67)35,1896.62
Net Loans Receivable3,134,3643,054,8332.603,084,1976.51
Intangible Assets65,49065,543(0.08)65,4900.00
Total Assets4,205,1864,081,1133.044,195,7370.90
Deposits3,309,4083,105,6106.563,319,670(1.24)
Debt, Senior and Subordinated316,902424,663(25.38)312,0636.20
Common Equity542,175514,9155.29537,4893.49
Total Shareholders' Equity542,175514,9155.29537,4893.49
Shares Outstanding (actual)17,725,31317,670,5010.3117,720,7370.10
Income Statement ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Net Interest Income35,14834,2402.6534,5916.44
Provision for Loan Losses1,9292,764(30.21)946415.64
Noninterest Income13,73812,29311.7512,39843.23
Noninterest Expense28,83927,5664.6228,6812.20
Net Income Before Taxes14,52016,221(10.49)18,274(82.17)
Provision for Taxes2,9214,680(37.59)2,46074.96
Net Income11,59911,5410.5015,814(106.61)
Per Share Items ($)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Book Value per Share30.5929.144.9730.333.38
Tangible Book Value26.8925.435.7526.643.87
Diluted EPS Before Extra0.660.651.540.89(103.37)
Diluted EPS After Extra0.660.651.540.89(103.37)
Dividends Declared0.33000.32003.130.33000.00
Performance Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
ROAA1.111.14(3)1.55(44)
ROAE8.568.97(41)12.00(344)
Net Interest Margin3.613.68(7)3.65(4)
Loans / Deposits95.7699.41(365)93.93183
Efficiency Ratio66.0559.3267359.24681
Balance Sheet Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.5111.193211.439
Equity/ Assets12.8912.622812.818
Asset Quality Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.241.49(25)1.38(14)
Loan Loss Reserves/ Gross Loans1.131.20(7)1.130
Loan Loss Reserves/ NPAs35.0834.941433.46162
Net Charge-offs/ Avg Loans0.170.18(1)0.25(7)
Regulatory Capital Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio17.6716.818617.625
   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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