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

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Balance Sheet ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves930,855852,1789.23887,77719.41
Loans Held for Sale, before Reserves4,5482,015125.715,735(82.79)
Loan Loss Reserve4,2824,929(13.13)3,87242.36
Net Loans Receivable931,122849,2639.64889,64118.65
Intangible Assets12,21413,081(6.63)12,427(6.86)
Total Assets1,227,5191,167,2235.171,207,9936.47
Deposits1,015,739974,3594.251,019,636(1.53)
Debt, Senior and Subordinated66,99055,62320.4441,577244.49
Common Equity135,264126,2497.14133,2466.06
Total Shareholders' Equity135,527126,5497.09133,5066.06
Shares Outstanding (actual)10,810,93010,777,1130.3110,786,3700.91
Income Statement ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest Income10,57711,534(8.30)10,15516.62
Provision for Loan Losses458514(10.89)555(69.91)
Noninterest Income1,3175,034(73.84)1,3170.00
Noninterest Expense8,8078,975(1.87)8,52913.04
Net Income Before Taxes2,4626,760(63.58)2,37614.48
Provision for Taxes6792,393(71.63)63627.04
Net Income1,7834,367(59.17)1,7409.89
Per Share Items ($)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per Share12.5111.716.8112.355.14
Tangible Book Value11.3810.508.3911.206.46
Diluted EPS Before Extra0.160.41(60.98)0.160.00
Diluted EPS After Extra0.160.41(60.98)0.160.00
Dividends Declared0.05000.040025.000.05000.00
Performance Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA0.581.50(92)0.571
ROAE5.2113.62(841)5.22(1)
Net Interest Margin4.084.64(56)3.9711
Loans / Deposits91.6487.4641887.07458
Efficiency Ratio69.2351.371,78570.96(173)
Balance Sheet Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.159.833210.132
Equity/ Assets11.0410.842011.05(1)
Asset Quality Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.651.27(62)0.70(5)
Loan Loss Reserves/ Gross Loans0.460.58(12)0.432
Loan Loss Reserves/ NPAs51.9235.731,61949.34257
Net Charge-offs/ Avg Loans0.020.0121.34(132)
Regulatory Capital Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio12.2911.963312.30(1)
   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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