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Financial Reports

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

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Balance Sheet ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,118,2412,969,8655.003,122,940(0.60)
Loans Held for Sale, before Reserves1,1452,599(55.94)1,03343.37
Loan Loss Reserve35,18935,713(1.47)36,151(10.64)
Net Loans Receivable3,084,1972,936,7515.023,087,822(0.47)
Intangible Assets65,49065,583(0.14)65,4900.00
Total Assets4,195,7374,034,1614.014,136,2315.75
Deposits3,319,6703,159,7785.063,263,8636.84
Debt, Senior and Subordinated312,063331,111(5.75)311,3120.96
Common Equity537,489507,4845.91530,6995.12
Total Shareholders' Equity537,489507,4845.91530,6995.12
Shares Outstanding (actual)17,720,73717,660,8680.3417,692,9120.63
Income Statement ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income34,59133,0904.5435,102(5.82)
Provision for Loan Losses9461,229(23.03)2,862(267.78)
Noninterest Income12,39811,5877.0012,401(0.10)
Noninterest Expense28,68127,6443.7527,73613.63
Net Income Before Taxes18,27415,79615.6916,92032.01
Provision for Taxes2,4604,519(45.56)2,00890.04
Net Income15,81411,27740.2314,91224.20
Per Share Items ($)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share30.3328.735.5530.004.48
Tangible Book Value26.6425.026.4526.295.20
Diluted EPS Before Extra0.890.6439.060.8423.81
Diluted EPS After Extra0.890.6439.060.8423.81
Dividends Declared0.33000.32003.130.33000.00
Performance Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.551.15401.4312
ROAE12.009.0229811.1882
Net Interest Margin3.653.68(3)3.650
Loans / Deposits93.9393.99(6)95.68(175)
Efficiency Ratio59.2461.18(194)57.76148
Balance Sheet Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets11.4311.132911.430
Equity/ Assets12.8112.582312.83(2)
Asset Quality Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.381.51(13)1.46(8)
Loan Loss Reserves/ Gross Loans1.131.20(7)1.16(3)
Loan Loss Reserves/ NPAs33.4633.004735.00(154)
Net Charge-offs/ Avg Loans0.250.2050.40(15)
Regulatory Capital Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio17.6217.253717.2240
   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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