Financial Information

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

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Balance Sheet ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,762,8341,422,69623.911,702,28214.23
Loans Held for Sale, before Reserves3,9343,50412.274,404(42.69)
Loan Loss Reserve6,2585,61011.555,92122.77
Net Loans Receivable1,760,5111,420,59023.931,700,76614.05
Intangible Assets31,06913,109137.0131,382(3.99)
Total Assets2,210,7121,765,78725.202,105,61319.97
Deposits1,785,7041,368,87930.451,652,90332.14
Debt, Senior and Subordinated199,651229,304(12.93)230,719(53.86)
Common Equity210,393155,11735.64207,7275.13
Total Shareholders' Equity210,393155,11735.64207,7275.13
Shares Outstanding (actual)12,566,69610,943,83014.8312,508,3321.87
Income Statement ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income17,68314,16124.8717,22810.56
Provision for Loan Losses395440(10.23)1001,180.00
Noninterest Income1,7811,860(4.25)1,806(5.54)
Noninterest Expense10,9929,53215.3210,7419.35
Net Income Before Taxes8,0916,04433.878,185(4.59)
Provision for Taxes2,0262,070(2.13)2,328(51.89)
Net Income6,0653,97452.625,85714.21
Per Share Items ($)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share16.7414.1718.1216.613.25
Tangible Book Value14.2712.989.9714.104.87
Diluted EPS Before Extra0.480.3633.330.4617.39
Diluted EPS After Extra0.480.3633.330.4617.39
Dividends Declared0.08000.08000.000.08000.00
Performance Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.160.93231.124
ROAE11.369.6317311.0927
Net Interest Margin3.763.7423.724
Loans / Deposits98.72103.93(521)102.99(427)
Efficiency Ratio56.4359.52(309)56.45(2)
Balance Sheet Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.238.10128.50(27)
Equity/ Assets9.528.78739.87(35)
Asset Quality Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.180.24(6)0.180
Loan Loss Reserves/ Gross Loans0.350.39(4)0.351
Loan Loss Reserves/ NPAs100.8782.091,87892.04883
Net Charge-offs/ Avg Loans0.010.30(28)(0.00)1
Regulatory Capital Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio9.579.35229.62(5)
   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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