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Financial Highlights
Trend Analysis--Quarterly (
click here for Annual Analysis
)
For the definition of a financial field, click on the field name.
Balance Sheet ($000)
2009 Q3
2008 Q3
Y-Y
Ch (%)
2009 Q2
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
2,402,697
2,316,020
3.74
2,380,255
3.77
Loans Held for Sale, before Reserves
754
2,175
(65.33)
600
102.67
Loan Loss Reserve
31,957
29,908
6.85
31,422
6.81
Net Loans Receivable
2,371,494
2,288,287
3.64
2,349,433
3.76
Intangible Assets
65,865
66,500
(0.95)
66,024
(0.96)
Total Assets
3,035,376
2,908,928
4.35
3,035,967
(0.08)
Deposits
2,403,954
2,289,767
4.99
2,393,953
1.67
Debt, Senior and Subordinated
274,228
284,523
(3.62)
294,039
(26.95)
Common Equity
318,640
304,988
4.48
314,774
4.91
Total Shareholders' Equity
318,640
304,988
4.48
314,774
4.91
Shares Outstanding (actual)
15,145,726
15,055,405
0.60
15,134,245
0.30
Income Statement ($000)
2009 Q3
2008 Q3
Y-Y
Ch (%)
2009 Q2
Q-Q
Ch (%)
†
Net Interest Income
27,045
26,499
2.06
25,409
25.75
Provision for Loan Losses
5,772
2,875
100.77
4,522
110.57
Noninterest Income
9,227
9,492
(2.79)
10,959
(63.22)
Noninterest Expense
22,579
21,300
6.00
22,248
5.95
Net Income Before Taxes
7,920
(1,645)
NM
8,264
(16.65)
Provision for Taxes
2,336
(1,068)
NM
2,327
1.55
Net Income
5,584
(577)
NM
5,937
(23.78)
Per Share Items ($)
2009 Q3
2008 Q3
Y-Y
Ch (%)
2009 Q2
Q-Q
Ch (%)
†
Book Value per Share
21.04
20.26
3.85
20.80
4.62
Tangible Book Value
16.69
15.84
5.36
16.44
6.17
Diluted EPS Before Extra
0.37
(0.04)
NM
0.39
(20.51)
Diluted EPS After Extra
0.37
(0.04)
NM
0.39
(20.51)
Dividends Declared
0.3000
0.2900
3.45
0.3000
0.00
Performance Ratios (%)
2009 Q3
2008 Q3
Y-Y
Ch (bp)
2009 Q2
Q-Q
Ch (bp)
ROAA
0.72
(0.08)
80
0.78
(6)
ROAE
6.94
(0.74)
768
7.52
(58)
Net Interest Margin
3.81
3.97
(16)
3.63
18
Loans / Deposits
99.95
101.15
(120)
99.43
52
Efficiency Ratio
61.67
58.63
304
64.25
(258)
Balance Sheet Ratios (%)
2009 Q3
2008 Q3
Y-Y
Ch (bp)
2009 Q2
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
8.51
8.39
12
8.38
14
Equity/ Assets
10.50
10.48
1
10.37
13
Asset Quality Ratios (%)
2009 Q3
2008 Q3
Y-Y
Ch (bp)
2009 Q2
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
2.18
1.40
78
1.98
20
Loan Loss Reserves/ Gross Loans
1.33
1.29
4
1.32
1
Loan Loss Reserves/ NPAs
48.23
73.25
(2,502)
52.31
(408)
Net Charge-offs/ Avg Loans
0.87
0.36
51
0.63
25
Regulatory Capital Ratios (%)
2009 Q3
2008 Q3
Y-Y
Ch (bp)
2009 Q2
Q-Q
Ch (bp)
Tier 1 Capital Ratio
12.92
13.11
(19)
12.92
0
†
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.
Copyright 2009,
© SNL Financial LC
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