Financial Highlights

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

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Balance Sheet ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,367,3711,151,94518.701,298,78421.12
Loans Held for Sale, before Reserves8,4188,1123.777,57844.34
Loan Loss Reserve6,1954,91026.176,352(9.89)
Net Loans Receivable1,369,5941,155,14718.561,300,01021.41
Intangible Assets13,30614,138(5.88)13,508(5.98)
Total Assets1,716,6901,510,08913.681,650,10516.14
Deposits1,325,8811,235,8807.281,301,2937.56
Debt, Senior and Subordinated221,277117,15188.88179,55392.95
Common Equity150,667143,7314.83151,857(3.13)
Total Shareholders' Equity150,667143,9894.64151,857(3.13)
Shares Outstanding (actual)10,910,91510,802,5601.0010,859,0741.91
Income Statement ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income14,01312,24614.4313,33920.21
Provision for Loan Losses200400(50.00)306(138.56)
Noninterest Income1,5691,593(1.51)1,864(63.30)
Noninterest Expense8,6698,730(0.70)9,462(33.52)
Net Income Before Taxes6,7143,289104.135,37499.74
Provision for Taxes2,3841,28785.241,831120.81
Net Income4,3302,002116.283,54388.85
Per Share Items ($)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share13.8113.313.7813.98(5.02)
Tangible Book Value12.5912.004.9412.74(4.74)
Diluted EPS Before Extra0.390.19105.260.3287.50
Diluted EPS After Extra0.390.19105.260.3287.50
Dividends Declared0.06000.06000.000.06000.00
Performance Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA1.030.56470.8815
ROAE10.935.605339.39154
Net Interest Margin3.753.98(23)3.732
Loans / Deposits103.1393.2199299.81332
Efficiency Ratio55.6365.64(1,001)63.30(767)
Balance Sheet Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.068.68(62)8.45(39)
Equity/ Assets8.789.54(76)9.20(43)
Asset Quality Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.580.5620.63(5)
Loan Loss Reserves/ Gross Loans0.450.4230.49(4)
Loan Loss Reserves/ NPAsNA54.09NA62.37NA
Net Charge-offs/ Avg Loans0.11(0.02)13(0.01)12
Regulatory Capital Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA10.70NA9.74NA
   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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