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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)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,502,6071,358,71610.591,450,17614.46
Loans Held for Sale, before Reserves5,7057,297(21.82)6,741(61.47)
Loan Loss Reserve19,08918,9260.8620,032(18.83)
Net Loans Receivable1,489,2231,347,08710.551,436,88514.57
Intangible Assets52,61454,182(2.89)53,006(2.96)
Total Assets2,570,8802,361,5798.862,527,9626.79
Deposits2,262,1402,062,7759.662,218,6347.84
Debt, Senior and Subordinated03,000NM00.00
Common Equity259,850225,91715.02261,319(2.25)
Total Shareholders' Equity259,850245,4365.87261,319(2.25)
Shares Outstanding (actual)37,941,00732,113,47918.1537,915,7360.27
Income Statement ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income23,12422,1384.4523,0481.32
Provision for Loan Losses240371(35.31)245(8.16)
Noninterest Income2,3672,1878.232,3129.52
Noninterest Expense14,27714,370(0.65)14,296(0.53)
Net Income Before Taxes11,6467,23560.9710,81930.58
Provision for Taxes4,4312,81257.574,05437.20
Net Income7,2154,42363.126,76526.61
Per Share Items ($)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share6.857.03(2.65)6.89(2.51)
Tangible Book Value5.465.352.145.49(2.33)
Diluted EPS Before Extra0.190.1258.330.1822.22
Diluted EPS After Extra0.190.1258.330.1822.22
Dividends Declared0.09000.080012.500.09000.00
Performance Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA1.120.74381.111
ROAE11.017.1139010.3863
Net Interest Margin3.914.13(22)4.10(19)
Loans / Deposits66.4265.875665.36106
Efficiency Ratio54.5769.54(1,497)56.37(180)
Balance Sheet Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.238.29(6)8.42(19)
Equity/ Assets10.1110.39(29)10.34(23)
Asset Quality Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.130.29(16)0.19(6)
Loan Loss Reserves/ Gross Loans1.271.39(12)1.37(11)
Loan Loss Reserves/ NPAs558.32361.9419,638406.7415,158
Net Charge-offs/ Avg Loans0.320.05270.0429
Regulatory Capital Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio11.4511.39611.59(14)
   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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