Financial Highlights :: Investor Relations :: ViewPoint Bank

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 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	1,746,097	1,256,509	38.96	1,691,255	12.97
Loans Held for Sale, before Reserves	757,472	734,408	3.14	1,060,720	(114.36)
Loan Loss Reserve	18,642	18,023	3.43	18,051	13.10
Net Loans Receivable	2,484,927	1,972,894	25.95	2,733,924	(36.43)
Intangible Assets	30,915	818	3,679.34	31,035	(1.55)
Total Assets	3,373,636	3,041,112	10.93	3,663,058	(31.60)
Deposits	2,213,090	1,933,619	14.45	2,177,806	6.48
Debt, Senior and Subordinated	589,221	657,512	(10.39)	917,208	(143.04)
Common Equity	530,967	412,605	28.69	520,871	7.75
Total Shareholders' Equity	530,967	412,605	28.69	520,871	7.75
Shares Outstanding (actual)	39,948,031	33,703,080	18.53	39,612,911	3.38

Income Statement ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Net Interest Income	28,525	23,490	21.43	31,528	(38.10)
Provision for Loan Losses	883	895	(1.34)	(17)	NM
Noninterest Income	5,252	6,730	(21.96)	6,494	(76.50)
Noninterest Expense	20,873	18,308	14.01	21,705	(15.33)
Net Income Before Taxes	12,628	10,873	16.14	16,334	(90.76)
Provision for Taxes	4,570	3,801	20.23	5,973	(93.96)
Net Income	8,058	7,072	13.94	10,361	(88.91)

Per Share Items ($)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Book Value per Share	13.29	12.24	8.57	13.15	4.33
Tangible Book Value	12.52	12.22	2.45	12.37	4.92
Diluted EPS Before Extra	0.21	0.22	(4.55)	0.27	(88.89)
Diluted EPS After Extra	0.21	0.22	(4.55)	0.27	(88.89)
Dividends Declared	0.0000	0.0600	NM	0.2000	NM

Performance Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
ROAA	0.97	0.95	2	1.17	(20)
ROAE	6.11	6.88	(77)	7.96	(185)
Net Interest Margin	3.66	3.33	33	3.77	(11)
Loans / Deposits	78.90	64.98	1,392	77.66	124
Efficiency Ratio	61.86	60.42	144	56.99	487

Balance Sheet Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	14.96	13.54	142	13.49	147
Equity/ Assets	15.74	13.57	217	14.22	152

Asset Quality Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Nonperforming Assets/ Assets	0.87	0.80	7	0.79	8
Loan Loss Reserves/ Gross Loans	0.74	0.91	(16)	0.66	9
Loan Loss Reserves/ NPAs	55.11	64.01	(890)	54.17	94
Net Charge-offs/ Avg Loans	0.05	0.08	(3)	0.27	(23)

Regulatory Capital Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tier 1 Capital Ratio	19.56	25.22	(566)	21.67	(211)

^† 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 2013, © SNL Financial LC Terms of Use