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

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Balance Sheet ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves3,417,1692,722,10525.533,223,49924.03
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve25,54919,35831.9822,58552.50
Net Loans Receivable3,391,6202,702,74725.493,200,91423.83
Intangible Assets30,26630,612(1.13)30,348(1.08)
Total Assets4,164,1143,525,23218.123,950,52421.63
Deposits2,657,8092,264,63917.362,496,46825.85
Debt, Senior and Subordinated887,907664,09633.70824,70430.65
Common Equity568,223544,4604.36564,1272.90
Total Shareholders' Equity568,223544,4604.36564,1272.90
Shares Outstanding (actual)40,014,85139,938,8160.1940,006,9410.08
Income Statement ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest Income35,83030,06919.1634,67013.38
Provision for Loan Losses2,637616328.082,51120.07
Noninterest Income5,2975,0055.835,14311.98
Noninterest Expense21,51723,465(8.30)21,688(3.15)
Net Income Before Taxes8,69110,330(15.87)14,426(159.02)
Provision for Taxes3,2253,0864.505,114(147.75)
Net Income5,4667,244(24.54)9,312(165.21)
Per Share Items ($)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per Share14.2013.634.1714.102.82
Tangible Book Value13.4412.874.4913.343.05
Diluted EPS Before Extra0.140.19(26.32)0.24(166.67)
Diluted EPS After Extra0.140.19(26.32)0.24(166.67)
Dividends Declared0.12000.12000.000.12000.00
Performance Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA0.560.87(31)0.97(41)
ROAE3.835.34(151)6.63(280)
Net Interest Margin3.843.8313.822
Loans / Deposits128.57120.20837129.12(55)
Efficiency Ratio52.2267.07(1,485)54.17(195)
Balance Sheet Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets13.0114.70(169)13.62(60)
Equity/ Assets13.6515.44(180)14.28(63)
Asset Quality Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.580.64(6)0.62(4)
Loan Loss Reserves/ Gross Loans0.750.7140.705
Loan Loss Reserves/ NPAs101.5682.111,94587.541,402
Net Charge-offs/ Avg Loans(0.04)0.02(6)0.05(9)
Regulatory Capital Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio15.1418.17(303)16.04(90)
   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.