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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 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,513,2871,395,2648.461,502,6072.84
Loans Held for Sale, before Reserves3,9112,38963.715,705(125.78)
Loan Loss Reserve19,13519,458(1.66)19,0890.96
Net Loans Receivable1,498,0631,378,1958.701,489,2232.37
Intangible Assets52,26953,790(2.83)52,614(2.62)
Total Assets2,641,7912,327,33313.512,570,88011.03
Deposits2,330,0872,028,73614.852,262,14012.01
Debt, Senior and Subordinated000.0000.00
Common Equity263,904232,14013.68259,8506.24
Total Shareholders' Equity263,904251,6594.87259,8506.24
Shares Outstanding (actual)37,995,08532,170,92018.1037,941,0070.57
Income Statement ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income23,82622,3046.8223,12412.14
Provision for Loan Losses321401(19.95)240135.00
Noninterest Income2,3012,434(5.46)2,367(11.15)
Noninterest Expense15,32814,6854.3814,27729.45
Net Income Before Taxes10,4729,8326.5111,646(40.32)
Provision for Taxes3,9343,7265.584,431(44.87)
Net Income6,5386,1067.087,215(37.53)
Per Share Items ($)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share6.957.22(3.74)6.855.66
Tangible Book Value5.575.540.475.467.91
Diluted EPS Before Extra0.170.166.250.19(42.11)
Diluted EPS After Extra0.170.166.250.19(42.11)
Dividends Declared0.10000.090011.110.090044.44
Performance Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA1.031.05(2)1.12(9)
ROAE10.159.872811.01(86)
Net Interest Margin4.064.22(16)3.9115
Loans / Deposits64.9568.78(383)66.42(148)
Efficiency Ratio58.6858.93(25)54.57411
Balance Sheet Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.178.70(53)8.23(6)
Equity/ Assets9.9910.81(82)10.11(12)
Asset Quality Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.210.2010.138
Loan Loss Reserves/ Gross Loans1.261.39(13)1.270
Loan Loss Reserves/ NPAs347.34412.68(6,534)558.32(21,098)
Net Charge-offs/ Avg Loans0.07(0.04)110.32(25)
Regulatory Capital Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio11.4211.271511.45(3)
   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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