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Balance Sheet ($000)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,181,534968,34322.021,151,94510.27
Loans Held for Sale, before Reserves4,1498,692(52.27)8,112(195.41)
Loan Loss Reserve5,7064,63623.084,91064.85
Net Loans Receivable1,179,977972,39921.351,155,1478.60
Intangible Assets13,91112,00415.8914,138(6.42)
Total Assets1,523,0161,275,10119.441,510,0893.42
Deposits1,233,5501,051,45217.321,235,880(0.75)
Debt, Senior and Subordinated128,13377,19565.99117,15137.50
Common Equity146,027137,3336.33143,7316.39
Total Shareholders' Equity146,284137,5866.32143,9896.38
Shares Outstanding (actual)10,802,56010,755,0170.4410,802,5600.00
Income Statement ($000)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Net Interest Income12,61211,44010.2412,24611.95
Provision for Loan Losses77956238.61400379.00
Noninterest Income1,9071,8304.211,59378.84
Noninterest Expense10,2668,72517.668,73070.38
Net Income Before Taxes3,1934,040(20.97)3,289(11.68)
Provision for Taxes1,0431,295(19.46)1,287(75.84)
Net Income2,1492,745(21.71)2,00229.37
Per Share Items ($)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Book Value per Share13.5212.775.8613.316.39
Tangible Book Value12.2311.654.9512.007.79
Diluted EPS Before Extra0.200.25(20.00)0.1921.05
Diluted EPS After Extra0.200.25(20.00)0.1921.05
Dividends Declared0.06000.050020.000.06000.00
Performance Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
ROAA0.570.89(32)0.561
ROAE6.018.27(226)5.5744
Net Interest Margin3.854.32(47)3.98(13)
Loans / Deposits95.7892.1036993.21257
Efficiency Ratio65.9960.2057959.08691
Balance Sheet Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.779.94(117)8.689
Equity/ Assets9.6010.79(119)9.547
Asset Quality Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.780.44340.3840
Loan Loss Reserves/ Gross Loans0.480.4710.426
Loan Loss Reserves/ NPAsNA79.85NA54.09NA
Net Charge-offs/ Avg Loans0.010.09(8)(0.02)3
Regulatory Capital Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.05NANANA
   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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