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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)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,956,6331,566,32424.921,591,20191.86
Loans Held for Sale, before Reserves5,7453,72054.442,859403.78
Loan Loss Reserve26,66419,39737.4620,139129.60
Net Loans Receivable1,935,7141,550,64724.831,573,92191.95
Intangible Assets96,71051,82786.6051,012358.33
Total Assets3,123,2072,732,90014.282,785,54848.49
Debt, Senior and Subordinated39,27539,1190.4039,2290.47
Common Equity346,269269,23128.61270,991111.12
Total Shareholders' Equity346,269269,23128.61270,991111.12
Shares Outstanding (actual)43,222,18438,120,26313.3838,269,78951.76
Income Statement ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Net Interest Income30,16424,93320.9826,34857.93
Provision for Loan Losses7,198(46)NM5065,290.12
Noninterest Income2,2242,293(3.01)2,10822.01
Noninterest Expense17,57015,25415.1815,37557.11
Net Income Before Taxes88412,018(92.64)12,047(370.65)
Provision for Taxes(31)4,569NM3,238NM
Net Income9157,449(87.72)8,809(358.45)
Per Share Items ($)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Book Value per Share8.017.0613.437.0852.55
Tangible Book Value5.775.701.245.751.79
Diluted EPS Before Extra0.020.19(89.47)0.23(365.22)
Diluted EPS After Extra0.020.19(89.47)0.23(365.22)
Dividends Declared0.11000.100010.000.11000.00
Performance Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Net Interest Margin4.304.07234.1317
Loans / Deposits72.9165.9669565.69722
Efficiency Ratio75.4756.031,94456.021,945
Balance Sheet Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.258.11148.0420
Equity/ Assets11.099.851249.73136
Asset Quality Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.850.12730.1471
Loan Loss Reserves/ Gross Loans1.361.24121.2610
Loan Loss Reserves/ NPAs101.39589.57(48,819)519.31(41,793)
Net Charge-offs/ Avg Loans0.15(0.08)230.0114
Regulatory Capital Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio10.7011.36(66)11.65(95)
   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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