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

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Balance Sheet ($000)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Loans Held for Investment, before ReservesNA1,044,097NA1,040,641NA
Loans Held for Sale, before Reserves2,80911,106(74.71)3,389(68.46)
Loan Loss ReserveNA21,622NA31,715NA
Net Loans Receivable1,014,5241,033,581(1.84)1,012,3150.87
Intangible Assets5,4985,919(7.11)5,588(6.44)
Total Assets1,686,8621,668,3541.111,683,9880.68
Deposits1,463,0241,441,6751.481,467,492(1.22)
Debt, Senior and Subordinated25,77425,7740.0025,7740.00
Common Equity185,349184,2860.58179,93012.05
Total Shareholders' Equity185,349184,2860.58179,93012.05
Shares Outstanding (actual)15,587,15415,503,8610.5415,538,9691.24
Income Statement ($000)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Net Interest Income16,41518,182(9.72)17,253(19.43)
Provision for Loan Losses(2,300)1,950NM376NM
Noninterest Income1,0203,406(70.05)2,619(244.22)
Noninterest Expense14,44013,1929.4615,238(20.95)
Net Income Before Taxes6,5956,711(1.73)3,606331.56
Provision for Taxes2,1502,1271.081,104378.99
Net Income4,4454,584(3.03)2,502310.63
Per Share Items ($)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Book Value per Share11.8911.890.0411.5810.77
Tangible Book Value11.5411.500.2911.2211.36
Diluted EPS Before Extra0.280.30(6.67)0.16300.00
Diluted EPS After Extra0.280.30(6.67)0.16300.00
Dividends Declared0.08000.1500(46.67)0.1450(179.31)
Performance Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
ROAA1.081.11(3)0.6048
ROAE9.9110.18(27)5.46445
Net Interest Margin4.324.84(52)4.50(18)
Loans / DepositsNA72.42NA70.91NA
Efficiency Ratio76.3561.001,53579.57(322)
Balance Sheet Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.7010.73(3)10.3931
Equity/ Assets10.9911.05(6)10.6830
Asset Quality Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.591.03(44)0.68(9)
Loan Loss Reserves/ Gross LoansNA2.05NA3.04NA
Loan Loss Reserves/ NPAsNA50.37NA88.38NA
Net Charge-offs/ Avg Loans0.000.31(31)(0.05)5
Regulatory Capital Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio18.3318.52(19)18.49(16)
   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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