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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 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,886,4051,582,66719.191,899,387(2.73)
Loans Held for Sale, before Reserves2,6493,419(22.52)6,344(232.98)
Loan Loss Reserve27,84819,65841.6627,4266.15
Net Loans Receivable1,861,2061,566,42818.821,878,305(3.64)
Intangible Assets96,63151,25388.5497,345(2.93)
Total Assets3,096,5622,843,4528.903,192,910(12.07)
Deposits2,637,5322,482,9896.222,745,299(15.70)
Debt, Senior and Subordinated39,36939,1830.4739,3220.48
Common Equity367,466271,23935.48353,56615.73
Total Shareholders' Equity367,466271,23935.48353,56615.73
Shares Outstanding (actual)43,288,75038,200,88313.3243,271,6760.16
Income Statement ($000)
 2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Net Interest Income33,06026,44425.0232,4517.51
Provision for Loan Losses142(291)NM(425)NM
Noninterest Income2,3932,564(6.67)2,20633.91
Noninterest Expense16,80214,65114.6817,529(16.59)
Net Income Before Taxes18,37013,97731.4317,35423.42
Provision for Taxes5,13812,719(59.60)4,97912.77
Net Income13,2321,258951.8312,37527.70
Per Share Items ($)
 2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Book Value per Share8.497.1019.558.1715.56
Tangible Book Value6.265.768.645.9222.65
Diluted EPS Before Extra0.300.03900.000.2828.57
Diluted EPS After Extra0.300.03900.000.2828.57
Dividends Declared0.11000.100010.000.11000.00
Performance Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
ROAA1.640.171471.5410
ROAE14.681.801,28814.0365
Net Interest Margin4.423.87554.366
Loans / Deposits71.5263.7477869.19233
Efficiency Ratio47.7852.82(504)51.15(337)
Balance Sheet Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.037.881158.2875
Equity/ Assets11.879.5423311.0779
Asset Quality Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.480.09390.77(29)
Loan Loss Reserves/ Gross Loans1.471.24231.444
Loan Loss Reserves/ NPAs199.60774.24(57,464)115.848,376
Net Charge-offs/ Avg Loans(0.06)(0.05)(1)(0.25)19
Regulatory Capital Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio12.0111.445711.5051
   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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