Financial Highlights

Entire IR Site Press Releases Only Filings Only
Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves968,343854,31213.35930,85516.11
Loans Held for Sale, before Reserves8,6921,646428.074,548364.47
Loan Loss Reserve4,6364,882(5.04)4,28233.07
Net Loans Receivable972,399851,07614.26931,12217.73
Intangible Assets12,00412,853(6.61)12,214(6.88)
Total Assets1,275,1011,192,9376.891,227,51915.51
Deposits1,051,4521,008,1524.291,015,73914.06
Debt, Senior and Subordinated77,19544,26674.3966,99060.93
Common Equity137,333129,2696.24135,2646.12
Total Shareholders' Equity137,586129,5486.20135,5276.08
Shares Outstanding (actual)10,755,01710,785,370(0.28)10,810,930(2.07)
Income Statement ($000)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Net Interest Income11,46210,35910.6510,57733.47
Provision for Loan Losses562270108.1545890.83
Noninterest Income1,7741,35231.211,317138.80
Noninterest Expense8,6928,3973.518,807(5.22)
Net Income Before Taxes4,0402,50561.282,462256.38
Provision for Taxes1,29569187.41679362.89
Net Income2,7451,81451.321,783215.82
Per Share Items ($)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Book Value per Share12.7711.996.5412.518.23
Tangible Book Value11.6510.797.9611.389.53
Diluted EPS Before Extra0.250.1747.060.16225.00
Diluted EPS After Extra0.250.1747.060.16225.00
Dividends Declared0.05000.040025.000.05000.00
Performance Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
ROAA0.890.64250.5831
ROAE8.275.952325.21306
Net Interest Margin4.324.2934.0824
Loans / Deposits92.1084.7473691.6445
Efficiency Ratio60.2068.15(795)69.23(902)
Balance Sheet Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.949.89510.15(20)
Equity/ Assets10.7910.86(7)11.04(25)
Asset Quality Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.441.12(68)0.65(21)
Loan Loss Reserves/ Gross Loans0.470.57(10)0.462
Loan Loss Reserves/ NPAs79.8536.824,30351.922,793
Net Charge-offs/ Avg Loans0.090.15(6)0.027
Regulatory Capital Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio11.5912.20(61)12.29(70)
   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.



Copyright 2015, © SNL Financial LC  Terms of Use

^ top

Investor Toolkit
Email pageEmail page
PDF viewPDF view
Print viewPrint view
Email AlertEmail Alert
Tear sheetTear sheet
Social media sharingSocial media sharing
RSS FeedsRSS Feeds