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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 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,223,4992,573,05325.283,117,37613.62
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve22,58518,86919.6920,44041.98
Net Loans Receivable3,200,9142,554,18425.323,096,93613.43
Intangible Assets30,34830,713(1.19)30,430(1.08)
Total Assets3,950,5243,383,60716.753,951,244(0.07)
Deposits2,496,4682,247,94211.062,435,7269.98
Debt, Senior and Subordinated824,704536,16653.82899,866(33.41)
Common Equity564,127540,0894.45557,4124.82
Total Shareholders' Equity564,127540,0894.45557,4124.82
Shares Outstanding (actual)40,006,94139,951,8840.1439,995,7200.11
Income Statement ($000)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Net Interest Income34,67029,18818.7832,92221.24
Provision for Loan Losses2,511(158)NM1,197439.10
Noninterest Income5,1435,188(0.87)5,429(21.07)
Noninterest Expense21,68822,135(2.02)22,698(17.80)
Net Income Before Taxes14,42612,39916.3513,80418.02
Provision for Taxes5,1144,18722.144,98610.27
Net Income9,3128,21213.408,81822.41
Per Share Items ($)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Book Value per Share14.1013.524.3113.944.71
Tangible Book Value13.3412.754.6513.185.05
Diluted EPS Before Extra0.240.2114.290.2317.39
Diluted EPS After Extra0.240.2114.290.2317.39
Dividends Declared0.12000.100020.000.12000.00
Performance Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
ROAA0.970.9700.961
ROAE6.636.11526.3627
Net Interest Margin3.823.66163.793
Loans / Deposits129.12114.461,466127.99114
Efficiency Ratio54.1764.28(1,011)59.11(494)
Balance Sheet Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets13.6215.19(158)13.4418
Equity/ Assets14.2815.96(168)14.1117
Asset Quality Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.620.67(5)0.602
Loan Loss Reserves/ Gross Loans0.700.73(3)0.664
Loan Loss Reserves/ NPAs87.5479.5579980.33721
Net Charge-offs/ Avg Loans0.050.0410.023
Regulatory Capital Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio16.0419.17(313)16.42(38)
   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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