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Financial Highlights

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

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


Balance Sheet ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,722,1052,751,975(1.09)2,573,05323.17
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve19,35818,0517.2418,86910.37
Net Loans Receivable2,702,7472,733,924(1.14)2,554,18423.27
Intangible Assets30,61231,035(1.36)30,713(1.32)
Total Assets3,525,2323,663,058(3.76)3,383,60716.74
Deposits2,264,6392,177,8063.992,247,9422.97
Debt, Senior and Subordinated664,096917,208(27.60)536,16695.44
Common Equity544,460520,8714.53540,0893.24
Total Shareholders' Equity544,460520,8714.53540,0893.24
Shares Outstanding (actual)39,938,81639,612,9110.8239,951,884(0.13)
Income Statement ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest Income30,06931,528(4.63)29,18812.07
Provision for Loan Losses616(17)NM(158)NM
Noninterest Income5,0056,494(22.93)5,226(16.92)
Noninterest Expense23,46521,7058.1122,17323.31
Net Income Before Taxes10,33016,334(36.76)12,399(66.75)
Provision for Taxes3,0865,973(48.33)4,187(105.18)
Net Income7,24410,361(30.08)8,212(47.15)
Per Share Items ($)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share13.6313.153.6813.523.37
Tangible Book Value12.8712.374.0512.753.64
Diluted EPS Before Extra0.190.27(29.63)0.21(38.10)
Diluted EPS After Extra0.190.27(29.63)0.21(38.10)
Dividends Declared0.12000.2000(40.00)0.100080.00
Performance Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAA0.871.17(30)0.97(10)
ROAE5.347.96(262)6.11(77)
Net Interest Margin3.833.7763.6617
Loans / Deposits120.20126.36(616)114.46574
Efficiency Ratio67.0756.991,00864.28279
Balance Sheet Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets14.7013.4912215.19(49)
Equity/ Assets15.4414.2212315.96(52)
Asset Quality Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.640.79(15)0.67(3)
Loan Loss Reserves/ Gross Loans0.710.6660.73(2)
Loan Loss Reserves/ NPAs82.1154.172,79479.55256
Net Charge-offs/ Avg Loans0.020.27(25)0.04(2)
Regulatory Capital Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio18.1721.67(350)19.17(100)
   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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