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

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Balance Sheet ($000)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Loans Held for Investment, before ReservesNA791,410NA854,312NA
Loans Held for Sale, before Reserves4,0754,765(14.48)1,646590.28
Loan Loss ReserveNA4,237NA4,882NA
Net Loans Receivable893,600791,93712.84851,07619.99
Intangible Assets12,64012,5970.3412,853(6.63)
Total Assets1,193,2671,147,0854.031,192,9370.11
Deposits1,009,417995,5391.391,008,1520.50
Debt, Senior and Subordinated41,81334,96119.6044,266(22.17)
Common Equity131,910107,36422.86129,2698.17
Total Shareholders' Equity132,175107,73122.69129,5488.11
Shares Outstanding (actual)10,785,3709,820,2179.8310,785,3700.00
Income Statement ($000)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Net Interest Income10,6119,20315.3010,3599.73
Provision for Loan Losses1,544200672.002701,887.41
Noninterest Income1,72095280.671,352108.88
Noninterest Expense8,4927,50813.118,3974.53
Net Income Before Taxes2,443(379)NM2,505(9.90)
Provision for Taxes688(283)NM691(1.74)
Net Income1,755(96)NM1,814(13.01)
Per Share Items ($)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Book Value per Share12.2310.9311.8711.998.17
Tangible Book Value11.069.6514.5910.799.81
Diluted EPS Before Extra0.16(0.01)NM0.17(23.53)
Diluted EPS After Extra0.16(0.01)NM0.17(23.53)
Dividends Declared0.04000.04000.000.04000.00
Performance Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
ROAA0.60(0.03)630.64(4)
ROAE5.46(0.35)5815.95(49)
Net Interest Margin4.284.2804.29(1)
Loans / DepositsNA79.50NA84.74NA
Efficiency Ratio64.5968.81(422)68.15(356)
Balance Sheet Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.128.391749.8924
Equity/ Assets11.089.3916910.8622
Asset Quality Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.201.96(76)1.128
Loan Loss Reserves/ Gross LoansNA0.53NA0.57NA
Loan Loss Reserves/ NPAsNA50.01NA36.82NA
Net Charge-offs/ Avg LoansNA0.01NA0.15NA
Regulatory Capital Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNA10.50NA12.20NA
   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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