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Financial Highlights

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

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Balance Sheet ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,177,8883,113,4212.073,169,0421.12
Loans Held for Sale, before Reserves1,0291,605(35.89)1,093(23.42)
Loan Loss Reserve35,79136,391(1.65)35,7710.22
Net Loans Receivable3,143,1263,078,6352.093,134,3641.12
Intangible Assets65,49065,504(0.02)65,4900.00
Total Assets4,173,8434,135,8950.924,205,186(2.98)
Deposits3,273,6463,200,3662.293,309,408(4.32)
Debt, Senior and Subordinated312,416378,413(17.44)316,902(5.66)
Common Equity550,264522,9295.23542,1755.97
Total Shareholders' Equity550,264522,9295.23542,1755.97
Shares Outstanding (actual)17,728,07517,677,9770.2817,725,3130.06
Income Statement ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income36,13634,9703.3335,14811.24
Provision for Loan Losses1,543666131.681,929(80.04)
Noninterest Income12,66512,1544.2012,738(2.29)
Noninterest Expense28,10626,9324.3628,839(10.17)
Net Income Before Taxes19,15019,574(2.17)14,520127.55
Provision for Taxes3,0445,811(47.62)2,92116.84
Net Income16,10613,76317.0211,599155.43
Per Share Items ($)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share31.0429.584.9330.595.90
Tangible Book Value27.3425.885.6826.896.72
Diluted EPS Before Extra0.910.7816.670.66151.52
Diluted EPS After Extra0.910.7816.670.66151.52
Dividends Declared0.36000.33009.090.330036.36
Performance Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA1.521.33191.1141
ROAE11.6210.451178.56306
Net Interest Margin3.683.6713.617
Loans / Deposits97.0797.28(21)95.76132
Efficiency Ratio57.3356.557866.05(872)
Balance Sheet Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.8011.245611.5128
Equity/ Assets13.1812.645412.8929
Asset Quality Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.221.50(28)1.24(2)
Loan Loss Reserves/ Gross Loans1.131.17(4)1.130
Loan Loss Reserves/ NPAs35.5235.391335.0844
Net Charge-offs/ Avg Loans0.190.1810.172
Regulatory Capital Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio17.9416.9010417.6727
   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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