Financial Highlights

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

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Balance Sheet ($000)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,702,2821,367,37124.491,672,3217.17
Loans Held for Sale, before Reserves4,4048,418(47.68)2,729245.51
Loan Loss Reserve5,9216,195(4.42)5,8167.22
Net Loans Receivable1,700,7651,369,59424.181,669,2347.56
Intangible Assets31,38213,307135.8331,699(4.00)
Total Assets2,105,6131,709,02023.212,061,2398.61
Deposits1,652,9031,325,88124.661,654,635(0.42)
Debt, Senior and Subordinated230,719221,2764.27190,22085.16
Common Equity207,727150,66737.87203,3408.63
Total Shareholders' Equity207,727150,66737.87203,3408.63
Shares Outstanding (actual)12,508,33210,910,91514.6412,467,5181.31
Income Statement ($000)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Net Interest Income17,22814,01322.9416,47218.36
Provision for Loan Losses100200(50.00)136(105.88)
Noninterest Income1,8451,67010.482,144(55.78)
Noninterest Expense10,7418,66923.9010,6553.23
Net Income Before Taxes8,1856,71521.893,848450.83
Provision for Taxes2,3282,385(2.39)1,685152.64
Net Income5,8574,33035.272,163683.13
Per Share Items ($)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Book Value per Share16.6113.8120.2616.317.30
Tangible Book Value14.1012.5911.9913.779.62
Diluted EPS Before Extra0.460.3917.950.18622.22
Diluted EPS After Extra0.460.3917.950.18622.22
Dividends Declared0.08000.060033.330.08000.00
Performance Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
ROAA1.121.0390.4369
ROAE11.0910.93164.26683
Net Interest Margin3.723.75(3)3.711
Loans / Deposits102.99103.13(14)101.07192
Efficiency Ratio56.4555.638257.21(76)
Balance Sheet Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.508.10408.464
Equity/ Assets9.878.821059.860
Asset Quality Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.180.59(41)0.19(1)
Loan Loss Reserves/ Gross Loans0.350.45(10)0.350
Loan Loss Reserves/ NPAsNA61.78NA88.13NA
Net Charge-offs/ Avg Loans(0.00)0.11(11)0.06(6)
Regulatory Capital Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA9.51NA9.50NA
   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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