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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)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,117,3762,739,53013.792,796,59545.88
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve20,44019,2776.0319,40221.40
Net Loans Receivable3,096,9362,720,25313.852,777,19346.05
Intangible Assets30,43030,814(1.25)30,511(1.06)
Total Assets3,951,2443,594,4849.933,603,58838.59
Deposits2,435,7262,189,18011.262,369,24611.22
Debt, Senior and Subordinated899,866825,2089.05632,996168.64
Common Equity557,412533,4344.50550,0995.32
Total Shareholders' Equity557,412533,4344.50550,0995.32
Shares Outstanding (actual)39,995,72039,926,7160.1739,946,5600.49
Income Statement ($000)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Net Interest Income32,92230,4388.1629,58545.12
Provision for Loan Losses1,1971,858(35.58)376873.40
Noninterest Income5,4295,743(5.47)4,96237.65
Noninterest Expense22,69821,7034.5821,98612.95
Net Income Before Taxes13,80412,6209.3812,01659.52
Provision for Taxes4,9864,44612.154,33460.18
Net Income8,8188,1747.887,68259.15
Per Share Items ($)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Book Value per Share13.9413.364.3113.774.82
Tangible Book Value13.1812.594.6713.015.19
Diluted EPS Before Extra0.230.219.520.2060.00
Diluted EPS After Extra0.230.219.520.2060.00
Dividends Declared0.12000.100020.000.12000.00
Performance Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
ROAA0.960.9510.924
ROAE6.366.14225.6274
Net Interest Margin3.793.7453.763
Loans / Deposits127.99125.14285118.04995
Efficiency Ratio59.1160.45(134)63.39(428)
Balance Sheet Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets13.4414.10(66)14.54(110)
Equity/ Assets14.1114.84(73)15.27(116)
Asset Quality Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.600.68(8)0.64(4)
Loan Loss Reserves/ Gross Loans0.660.70(5)0.69(4)
Loan Loss Reserves/ NPAs80.3376.0343080.303
Net Charge-offs/ Avg Loans0.020.19(17)0.05(3)
Regulatory Capital Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio16.4217.98(156)17.88(146)
   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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