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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 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,796,5952,503,56911.702,722,10510.95
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve19,40218,6424.0819,3580.91
Net Loans Receivable2,777,1932,484,92711.762,702,74711.02
Intangible Assets30,51130,915(1.31)30,612(1.32)
Total Assets3,603,5883,373,6366.823,525,2328.89
Deposits2,369,2462,213,0907.062,264,63918.48
Debt, Senior and Subordinated632,996589,2217.43664,096(18.73)
Common Equity550,099530,9673.60544,4604.14
Total Shareholders' Equity550,099530,9673.60544,4604.14
Shares Outstanding (actual)39,946,56039,948,0310.0039,938,8160.08
Income Statement ($000)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Net Interest Income29,58528,5253.7230,069(6.44)
Provision for Loan Losses376883(57.42)616(155.84)
Noninterest Income4,9626,036(17.79)5,005(3.44)
Noninterest Expense21,98620,8735.3323,465(25.21)
Net Income Before Taxes12,01612,628(4.85)10,33065.29
Provision for Taxes4,3344,570(5.16)3,086161.76
Net Income7,6828,058(4.67)7,24424.19
Per Share Items ($)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Book Value per Share13.7713.293.6113.634.06
Tangible Book Value13.0112.523.9112.874.39
Diluted EPS Before Extra0.200.21(4.76)0.1921.05
Diluted EPS After Extra0.200.21(4.76)0.1921.05
Dividends Declared0.12000.0000NM0.12000.00
Performance Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
ROAA0.920.97(5)0.875
ROAE5.626.11(49)5.3428
Net Interest Margin3.763.66103.83(7)
Loans / Deposits118.04113.13491120.20(216)
Efficiency Ratio63.3961.8615367.07(368)
Balance Sheet Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets14.5414.96(42)14.70(16)
Equity/ Assets15.2715.74(47)15.44(18)
Asset Quality Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.640.87(23)0.640
Loan Loss Reserves/ Gross Loans0.690.74(5)0.71(2)
Loan Loss Reserves/ NPAs80.3054.772,55382.11(181)
Net Charge-offs/ Avg Loans0.050.0500.023
Regulatory Capital Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio17.8819.56(168)18.17(29)
   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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