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Financial Reports

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

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Balance Sheet ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,969,8652,889,2912.792,938,3714.29
Loans Held for Sale, before Reserves2,5992,707(3.99)1,244435.69
Loan Loss Reserve35,71336,329(1.70)35,933(2.45)
Net Loans Receivable2,936,7512,855,6692.842,903,6824.56
Intangible Assets65,58365,742(0.24)65,623(0.24)
Total Assets4,034,1613,879,8383.983,932,16910.38
Deposits3,159,7783,034,2184.143,081,30810.19
Debt, Senior and Subordinated331,111327,3031.16318,16616.27
Common Equity507,484485,6374.50500,6155.49
Total Shareholders' Equity507,484485,6374.50500,6155.49
Shares Outstanding (actual)17,660,86817,553,4900.6117,628,6950.73
Income Statement ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income33,09033,324(0.70)33,411(3.84)
Provision for Loan Losses1,2291,765(30.37)2,043(159.37)
Noninterest Income11,58710,9036.2712,515(29.66)
Noninterest Expense27,64426,2425.3427,0059.46
Net Income Before Taxes15,79616,288(3.02)16,878(25.64)
Provision for Taxes4,5194,686(3.56)5,012(39.35)
Net Income11,27711,602(2.80)11,866(19.86)
Per Share Items ($)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share28.7327.673.8628.404.75
Tangible Book Value25.0223.924.6024.685.61
Diluted EPS Before Extra0.640.66(3.03)0.67(17.91)
Diluted EPS After Extra0.640.66(3.03)0.67(17.91)
Dividends Declared0.32000.31003.230.32000.00
Performance Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA1.151.20(5)1.19(4)
ROAE9.029.63(61)9.41(39)
Net Interest Margin3.683.76(8)3.662
Loans / Deposits93.9995.22(123)95.36(137)
Efficiency Ratio61.1858.6325558.15303
Balance Sheet Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.1311.011311.25(12)
Equity/ Assets12.5812.52612.73(15)
Asset Quality Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets2.682.99(31)2.73(5)
Loan Loss Reserves/ Gross Loans1.201.26(5)1.22(2)
Loan Loss Reserves/ NPAs33.0431.3317133.51(47)
Net Charge-offs/ Avg Loans0.200.21(2)0.26(6)
Regulatory Capital Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio17.2516.972817.250
   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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