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

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Balance Sheet ($000)
 2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,013,054895,84913.08968,34318.47
Loans Held for Sale, before Reserves6,3624,07556.128,692(107.23)
Loan Loss Reserve4,4366,325(29.87)4,636(17.26)
Net Loans Receivable1,014,980893,60013.58972,39917.52
Intangible Assets11,81112,640(6.56)12,004(6.43)
Total Assets1,312,0311,193,2679.951,275,10111.58
Deposits1,084,4141,009,4177.431,051,45212.54
Debt, Senior and Subordinated82,65441,81397.6877,19528.29
Common Equity135,706131,9102.88137,333(4.74)
Total Shareholders' Equity135,960132,1752.86137,586(4.73)
Shares Outstanding (actual)10,574,43910,785,370(1.96)10,755,017(6.72)
Income Statement ($000)
 2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Net Interest Income11,17110,6115.2811,462(10.16)
Provision for Loan Losses861,544(94.43)562(338.79)
Noninterest Income1,4981,716(12.70)1,736(54.84)
Noninterest Expense8,7938,4514.058,6536.47
Net Income Before Taxes3,7972,44355.424,040(24.06)
Provision for Taxes1,19568873.691,295(30.89)
Net Income2,6021,75548.262,745(20.84)
Per Share Items ($)
 2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Book Value per Share12.8312.234.9312.772.01
Tangible Book Value11.7211.065.9511.652.18
Diluted EPS Before Extra0.240.1650.000.25(16.00)
Diluted EPS After Extra0.240.1650.000.25(16.00)
Dividends Declared0.05000.040025.000.05000.00
Performance Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
ROAA0.800.60200.89(9)
ROAE7.585.462128.27(69)
Net Interest Margin4.014.28(27)4.32(31)
Loans / Deposits93.4288.7546792.10132
Efficiency Ratio64.9964.297060.09490
Balance Sheet Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.5510.12(58)9.94(39)
Equity/ Assets10.3611.08(71)10.79(43)
Asset Quality Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.381.20(82)0.44(6)
Loan Loss Reserves/ Gross Loans0.440.70(27)0.47(4)
Loan Loss Reserves/ NPAs89.2748.674,06079.85943
Net Charge-offs/ Avg Loans0.110.0570.093
Regulatory Capital Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.09NA11.59NA
   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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