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Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Loans Held for Investment, before ReservesNA615,904NA852,178NA
Loans Held for Sale, before Reserves1,6460NM2,015(73.25)
Loan Loss ReserveNA4,053NA4,929NA
Net Loans Receivable851,076611,85139.10849,2630.85
Intangible Assets12,8534,148209.8613,081(6.97)
Total Assets1,192,937868,98637.281,167,2238.81
Deposits1,008,152748,50234.69974,35913.87
Debt, Senior and Subordinated44,26637,67717.4955,623(81.67)
Common Equity129,26974,70873.03126,2499.57
Total Shareholders' Equity129,54875,08772.53126,5499.48
Shares Outstanding (actual)10,785,3706,853,81457.3610,777,1130.31
Income Statement ($000)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Net Interest Income10,3597,84732.0111,534(40.75)
Provision for Loan Losses27020035.00514(189.88)
Noninterest Income1,29571780.615,151(299.44)
Noninterest Expense8,3976,83922.789,091(30.54)
Net Income Before Taxes2,5051,79539.556,760(251.78)
Provision for Taxes69152232.382,393(284.50)
Net Income1,8141,27342.504,366(233.81)
Per Share Items ($)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Book Value per Share11.9910.909.9611.719.25
Tangible Book Value10.7910.294.8510.5011.17
Diluted EPS Before Extra0.170.19(10.53)0.41(234.15)
Diluted EPS After Extra0.170.19(10.53)0.41(234.15)
Dividends Declared0.04000.04000.000.04000.00
Performance Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
ROAA0.620.5931.49(87)
ROAE5.797.05(126)13.51(772)
Net Interest Margin4.294.36(7)4.64(35)
Loans / DepositsNA82.28NA87.46NA
Efficiency Ratio68.4768.173152.561,591
Balance Sheet Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.898.201699.836
Equity/ Assets10.868.6422210.842
Asset Quality Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.121.0391.27(15)
Loan Loss Reserves/ Gross LoansNA0.66NA0.58NA
Loan Loss Reserves/ NPAsNA43.26NA35.73NA
Net Charge-offs/ Avg LoansNA0.07NA0.01NA
Regulatory Capital Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA10.79NA12.00NA
   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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