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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)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,565,9501,450,1767.981,566,324(0.10)
Loans Held for Sale, before Reserves4,6026,741(31.73)3,72094.84
Loan Loss Reserve19,74820,032(1.42)19,3977.24
Net Loans Receivable1,550,8041,436,8857.931,550,6470.04
Intangible Assets51,53153,006(2.78)51,827(2.28)
Total Assets2,843,9482,527,96212.502,732,90016.25
Debt, Senior and Subordinated39,1370NM39,1190.18
Common Equity275,445261,3195.41269,2319.23
Total Shareholders' Equity275,445261,3195.41269,2319.23
Shares Outstanding (actual)38,199,00637,915,7360.7538,120,2630.83
Income Statement ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income26,32123,04814.2024,93322.27
Provision for Loan Losses115245(53.06)(46)NM
Noninterest Income2,4602,3126.402,29329.13
Noninterest Expense14,83414,2963.7615,254(11.01)
Net Income Before Taxes13,83210,81927.8512,01860.38
Provision for Taxes5,2494,05429.484,56959.53
Net Income8,5836,76526.877,44960.89
Per Share Items ($)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share7.216.894.627.068.39
Tangible Book Value5.865.496.695.7011.13
Diluted EPS Before Extra0.220.1822.220.1963.16
Diluted EPS After Extra0.220.1822.220.1963.16
Dividends Declared0.10000.090011.110.10000.00
Performance Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Net Interest Margin3.984.10(12)4.07(9)
Loans / Deposits63.1365.36(224)65.96(283)
Efficiency Ratio51.5456.37(483)56.03(449)
Balance Sheet Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.028.42(40)8.11(9)
Equity/ Assets9.6910.34(65)9.85(17)
Asset Quality Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.120.19(7)0.120
Loan Loss Reserves/ Gross Loans1.261.37(12)1.242
Loan Loss Reserves/ NPAs680.26406.7427,352589.579,069
Net Charge-offs/ Avg Loans(0.06)0.04(10)(0.08)2
Regulatory Capital Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio11.5611.59(3)11.3620
   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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