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

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,176,617623,53088.70655,946317.51
Loans Held for Sale, before Reserves1,7570NM0NM
Loan Loss Reserve8,6516,95024.477,87139.64
Net Loans Receivable1,169,723616,58089.71648,075321.97
Intangible Assets70,20527,236157.7727,061637.73
Total Assets1,688,221918,04283.89917,497336.01
Deposits1,379,507721,94891.08728,300357.66
Debt, Senior and Subordinated58,79553,41610.0745,115121.29
Common Equity238,792132,44680.29133,973312.96
Total Shareholders' Equity238,792132,44680.29133,973312.96
Shares Outstanding (actual)7,552,9444,466,98169.084,479,624274.43
Income Statement ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest Income9,8277,95923.477,741107.79
Provision for Loan Losses1,036147604.76525389.33
Noninterest Income2,8472,6138.962,994(19.64)
Noninterest Expense9,2667,15829.457,145118.74
Net Income Before Taxes(3,407)3,465NM2,878NM
Provision for Taxes(1,277)757NM392NM
Net Income(2,130)2,708NM2,486NM
Per Share Items ($)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share31.6229.656.6329.9122.85
Tangible Book Value22.3223.55(5.23)23.87(25.90)
Diluted EPS Before Extra(0.39)0.61NM0.56NM
Diluted EPS After Extra(0.39)0.61NM0.56NM
Dividends Declared0.23000.22004.550.23000.00
Performance Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAA(0.93)1.16(209)1.08(201)
ROAE(6.55)8.07(1,462)7.39(1,394)
Net Interest Margin3.823.97(15)3.88(6)
Loans / Deposits85.2986.37(108)90.07(477)
Efficiency Ratio124.8866.465,84268.405,648
Balance Sheet Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.4211.81(139)12.01(159)
Equity/ Assets14.1414.43(28)14.60(46)
Asset Quality Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.910.36550.3060
Loan Loss Reserves/ Gross Loans0.731.11(38)1.20(47)
Loan Loss Reserves/ NPAs56.54211.44(15,490)282.93(22,639)
Net Charge-offs/ Avg Loans0.120.1020.130
Regulatory Capital Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio13.5916.80(321)NANA
   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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