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Balance Sheet ($000)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves887,777810,3169.56895,849(3.60)
Loans Held for Sale, before Reserves5,73522,585(74.61)4,075162.94
Loan Loss Reserve3,8724,426(12.52)6,325(155.13)
Net Loans Receivable889,641828,4757.38893,600(1.77)
Intangible Assets12,42713,312(6.65)12,640(6.74)
Total Assets1,207,9931,179,7132.401,193,2674.94
Deposits1,019,636985,3733.481,009,4174.05
Debt, Senior and Subordinated41,57762,323(33.29)41,813(2.26)
Common Equity133,246122,7708.53131,9104.05
Total Shareholders' Equity133,506123,1328.43132,1754.03
Shares Outstanding (actual)10,786,37010,761,1130.2310,785,3700.04
Income Statement ($000)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Net Interest Income10,15511,476(11.51)10,611(17.19)
Provision for Loan Losses555590(5.93)1,544(256.22)
Noninterest Income1,3171,432(8.03)1,757(100.17)
Noninterest Expense8,5298,987(5.10)8,4921.74
Net Income Before Taxes2,3763,174(25.14)2,443(10.97)
Provision for Taxes636971(34.50)688(30.23)
Net Income1,7402,203(21.02)1,755(3.42)
Per Share Items ($)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Book Value per Share12.3511.418.2812.234.01
Tangible Book Value11.2010.1710.1211.065.16
Diluted EPS Before Extra0.160.22(27.27)0.160.00
Diluted EPS After Extra0.160.22(27.27)0.160.00
Dividends Declared0.05000.040025.000.0400100.00
Performance Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
ROAA0.570.75(18)0.60(3)
ROAE5.227.47(225)5.46(24)
Net Interest Margin3.974.69(72)4.28(31)
Loans / Deposits87.0782.2348388.75(168)
Efficiency Ratio70.9664.2467264.40656
Balance Sheet Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.139.427110.120
Equity/ Assets11.0510.446111.08(2)
Asset Quality Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.701.11(41)1.20(50)
Loan Loss Reserves/ Gross Loans0.430.53(10)0.70(27)
Loan Loss Reserves/ NPAs49.3449.062948.6767
Net Charge-offs/ Avg Loans1.340.201140.05129
Regulatory Capital Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tier 1 Capital RatioNA11.79NA12.09NA
   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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