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Financial Highlights

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

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Balance Sheet ($000)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,189,7323,118,2412.293,208,638(2.36)
Loans Held for Sale, before Reserves13,6491,1451,092.052,4611,818.45
Loan Loss Reserve35,00435,189(0.53)35,908(10.07)
Net Loans Receivable3,168,3773,084,1972.733,175,191(0.86)
Intangible Assets65,49065,4900.0065,4900.00
Total Assets4,313,2934,195,7372.804,201,61610.63
Deposits3,383,1033,319,6701.913,305,9509.34
Debt, Senior and Subordinated314,821312,0630.88293,66928.81
Common Equity577,379537,4897.42564,1509.38
Total Shareholders' Equity577,379537,4897.42564,1509.38
Shares Outstanding (actual)17,768,00017,720,7370.2717,732,8530.79
Income Statement ($000)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Net Interest Income35,98334,5914.0236,280(3.27)
Provision for Loan Losses190946(79.92)1,749(356.55)
Noninterest Income11,81412,398(4.71)12,036(7.38)
Noninterest Expense29,08328,6811.4028,17212.93
Net Income Before Taxes18,88018,2743.3218,5986.07
Provision for Taxes3,9412,46060.202,889145.66
Net Income14,93915,814(5.53)15,709(19.61)
Per Share Items ($)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Book Value per Share32.5030.337.1431.818.57
Tangible Book Value28.8126.648.1628.129.80
Diluted EPS Before Extra0.840.89(5.62)0.89(22.47)
Diluted EPS After Extra0.840.89(5.62)0.89(22.47)
Dividends Declared0.36000.33009.090.36000.00
Performance Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
ROAA1.421.55(13)1.48(6)
ROAE10.5812.00(142)11.16(58)
Net Interest Margin3.703.6553.682
Loans / Deposits94.2893.933597.06(277)
Efficiency Ratio60.5759.2413358.04253
Balance Sheet Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets12.0511.436212.06(1)
Equity/ Assets13.3912.815813.43(4)
Asset Quality Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets2.202.51(31)2.27(7)
Loan Loss Reserves/ Gross Loans1.091.13(4)1.12(3)
Loan Loss Reserves/ NPAs36.8833.4634237.60(71)
Net Charge-offs/ Avg Loans0.140.25(11)0.20(7)
Regulatory Capital Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio18.3717.627518.1225
   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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