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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 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,566,3241,464,1146.981,513,28714.02
Loans Held for Sale, before Reserves3,7204,879(23.75)3,911(19.53)
Loan Loss Reserve19,39719,921(2.63)19,1355.48
Net Loans Receivable1,550,6471,449,0727.011,498,06314.04
Intangible Assets51,82753,398(2.94)52,269(3.38)
Total Assets2,732,9002,378,29214.912,641,79113.80
Deposits2,374,7312,073,78414.512,330,0877.66
Debt, Senior and Subordinated39,1190NM0NM
Common Equity269,231237,99413.13263,9048.07
Total Shareholders' Equity269,231257,5134.55263,9048.07
Shares Outstanding (actual)38,120,26332,294,06318.0437,995,0851.32
Income Statement ($000)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Net Interest Income24,93322,7449.6223,82618.58
Provision for Loan Losses(46)351NM321NM
Noninterest Income2,2932,294(0.04)2,301(1.39)
Noninterest Expense15,25414,3816.0715,328(1.93)
Net Income Before Taxes12,01811,6722.9610,47259.05
Provision for Taxes4,5694,3774.393,93464.57
Net Income7,4497,2952.116,53855.74
Per Share Items ($)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Book Value per Share7.067.37(4.16)6.956.73
Tangible Book Value5.705.72(0.23)5.579.55
Diluted EPS Before Extra0.190.190.000.1747.06
Diluted EPS After Extra0.190.190.000.1747.06
Dividends Declared0.10000.090011.110.10000.00
Performance Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
ROAA1.121.25(13)1.039
ROAE11.2511.58(33)10.15110
Net Interest Margin4.074.27(20)4.061
Loans / Deposits65.9670.60(464)64.95101
Efficiency Ratio56.0354.4715658.68(265)
Balance Sheet Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.118.78(67)8.17(6)
Equity/ Assets9.8510.83(98)9.99(14)
Asset Quality Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.120.20(8)0.21(9)
Loan Loss Reserves/ Gross Loans1.241.36(12)1.26(3)
Loan Loss Reserves/ NPAs589.57413.8117,576347.3424,223
Net Charge-offs/ Avg Loans(0.08)(0.03)(5)0.07(16)
Regulatory Capital Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio11.3611.171911.42(6)
   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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