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Financial Reports

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

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Balance Sheet ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,938,3712,873,9612.242,931,2990.97
Loans Held for Sale, before Reserves1,2441,1726.142,075(160.19)
Loan Loss Reserve35,93336,094(0.45)35,8011.47
Net Loans Receivable2,903,6822,839,0392.282,897,5730.84
Intangible Assets65,62365,781(0.24)65,662(0.24)
Total Assets3,932,1693,903,9340.723,930,2260.20
Deposits3,081,3082,980,7823.373,053,9853.58
Debt, Senior and Subordinated318,166417,218(23.74)331,405(15.98)
Common Equity500,615475,5835.26500,1100.40
Total Shareholders' Equity500,615475,5835.26500,1100.40
Shares Outstanding (actual)17,629,00017,536,9140.5317,607,9030.48
Income Statement ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income33,41133,1950.6533,2272.22
Provision for Loan Losses2,0431,9106.962,191(27.02)
Noninterest Income12,51512,0583.7912,728(6.69)
Noninterest Expense27,00525,7784.7626,6874.77
Net Income Before Taxes16,87817,317(2.54)17,535(14.99)
Provision for Taxes5,0125,447(7.99)5,223(16.16)
Net Income11,86611,870(0.03)12,312(14.49)
Per Share Items ($)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share28.4027.124.7128.40(0.08)
Tangible Book Value24.6723.375.5924.670.02
Diluted EPS Before Extra0.670.68(1.47)0.70(17.14)
Diluted EPS After Extra0.670.68(1.47)0.70(17.14)
Dividends Declared0.32000.31003.230.32000.00
Performance Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA1.191.22(3)1.25(6)
ROAE9.419.91(50)9.81(40)
Net Interest Margin3.663.74(8)3.660
Loans / Deposits95.3696.42(106)95.98(62)
Efficiency Ratio58.1556.3518057.4570
Balance Sheet Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.2510.685711.241
Equity/ Assets12.7312.185512.721
Asset Quality Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets2.732.73(1)2.76(4)
Loan Loss Reserves/ Gross Loans1.221.26(3)1.220
Loan Loss Reserves/ NPAs33.5133.83(31)32.9755
Net Charge-offs/ Avg Loans0.260.1970.28(2)
Regulatory Capital Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio17.2516.705517.0520
   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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