Financial Highlights

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Balance Sheet ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,672,3211,298,78428.761,452,48560.54
Loans Held for Sale, before Reserves2,7297,578(63.99)6,615(234.98)
Loan Loss Reserve5,8166,352(8.44)5,912(6.50)
Net Loans Receivable1,669,2341,300,01028.401,453,18859.47
Intangible Assets31,69913,508134.6712,928580.79
Total Assets2,061,2391,650,10524.921,794,31759.50
Deposits1,654,6351,301,29327.151,379,42979.80
Debt, Senior and Subordinated190,220179,5535.94241,756(85.27)
Common Equity203,340151,85733.90161,047105.05
Total Shareholders' Equity203,340151,85733.90161,047105.05
Shares Outstanding (actual)12,467,51810,859,07414.8110,956,13055.18
Income Statement ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income16,47213,33923.4914,25362.27
Provision for Loan Losses136306(55.56)279(205.02)
Noninterest Income2,1441,86415.022,07912.51
Noninterest Expense10,6559,46212.619,92929.25
Net Income Before Taxes3,8485,374(28.40)6,040(145.17)
Provision for Taxes1,6851,831(7.97)2,070(74.40)
Net Income2,1633,543(38.95)3,969(182.01)
Per Share Items ($)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share16.3113.9816.6314.7043.82
Tangible Book Value13.7712.748.0613.527.33
Diluted EPS Before Extra0.180.32(43.75)0.36(200.00)
Diluted EPS After Extra0.180.32(43.75)0.36(200.00)
Dividends Declared0.08000.060033.330.08000.00
Performance Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
ROAA0.430.88(45)0.89(46)
ROAE4.269.39(513)9.37(511)
Net Interest Margin3.713.73(2)3.6011
Loans / Deposits101.0799.81126105.30(423)
Efficiency Ratio57.2163.30(609)61.11(390)
Balance Sheet Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.468.4508.3114
Equity/ Assets9.869.20668.9889
Asset Quality Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.190.63(44)0.27(8)
Loan Loss Reserves/ Gross Loans0.350.49(14)0.41(6)
Loan Loss Reserves/ NPAs88.1362.372,57777.361,077
Net Charge-offs/ Avg Loans0.06(0.01)7(0.01)6
Regulatory Capital Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio9.509.74(24)9.2921
   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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