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Financial Highlights

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

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Balance Sheet ($000)
 2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,208,6383,122,9402.743,177,8883.87
Loans Held for Sale, before Reserves2,4611,033138.241,029556.66
Loan Loss Reserve35,90836,151(0.67)35,7911.31
Net Loans Receivable3,175,1913,087,8222.833,143,1264.08
Intangible Assets65,49065,4900.0065,4900.00
Total Assets4,201,6164,136,2311.584,173,8432.66
Deposits3,305,9503,263,8631.293,273,6463.95
Debt, Senior and Subordinated293,669311,312(5.67)312,416(24.00)
Common Equity564,150530,6996.30550,26410.09
Total Shareholders' Equity564,150530,6996.30550,26410.09
Shares Outstanding (actual)17,733,00017,692,9120.2317,728,0750.11
Income Statement ($000)
 2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Net Interest Income36,28035,1023.3636,1361.59
Provision for Loan Losses1,7492,862(38.89)1,54353.40
Noninterest Income12,03612,401(2.94)12,665(19.87)
Noninterest Expense28,17227,7361.5728,1060.94
Net Income Before Taxes18,59816,9209.9219,150(11.53)
Provision for Taxes2,8892,00843.873,044(20.37)
Net Income15,70914,9125.3416,106(9.86)
Per Share Items ($)
 2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Book Value per Share31.8130.006.0631.049.98
Tangible Book Value28.1226.296.9527.3411.34
Diluted EPS Before Extra0.890.845.950.91(8.79)
Diluted EPS After Extra0.890.845.950.91(8.79)
Dividends Declared0.36000.33009.090.36000.00
Performance Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
ROAA1.481.4351.52(4)
ROAE11.1611.18(2)11.62(46)
Net Interest Margin3.683.6533.680
Loans / Deposits97.0695.6813797.07(2)
Efficiency Ratio58.0457.762857.3371
Balance Sheet Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets12.0611.436311.8026
Equity/ Assets13.4312.836013.1824
Asset Quality Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets2.272.50(22)2.41(14)
Loan Loss Reserves/ Gross Loans1.121.16(4)1.13(1)
Loan Loss Reserves/ NPAs37.6035.0025935.52208
Net Charge-offs/ Avg Loans0.200.40(19)0.191
Regulatory Capital Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio18.1217.229017.9418
   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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