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

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,181,988781,29851.291,175,0332.37
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve9,9609,1648.699,989(1.16)
Net Loans Receivable1,172,028772,13451.791,165,0442.40
Intangible Assets24,78522,7309.0424,833(0.77)
Total Assets1,584,7441,088,01045.661,601,985(4.30)
Deposits1,239,001750,55765.081,313,381(22.65)
Debt, Senior and Subordinated168,844190,793(11.50)110,979208.56
Common Equity170,708142,01720.20168,3815.53
Total Shareholders' Equity170,708142,01720.20168,3815.53
Shares Outstanding (actual)13,549,98311,483,12118.0013,540,8750.27
Income Statement ($000)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Net Interest Income13,4978,36661.3312,36036.80
Provision for Loan Losses1,2160NM0NM
Noninterest Income1,5771,06548.081,43738.97
Noninterest Expense9,0857,64518.849,847(30.95)
Net Income Before Taxes3,9241,634140.153,37864.65
Provision for Taxes1,924613213.871,480120.00
Net Income2,0001,02195.891,89821.50
Per Share Items ($)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Book Value per Share12.6012.371.8712.445.26
Tangible Book Value10.7710.393.6710.606.34
Diluted EPS Before Extra0.150.0966.670.150.00
Diluted EPS After Extra0.150.0966.670.150.00
Dividends Declared0.10000.060066.670.10000.00
Performance Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
ROAA0.500.38120.482
ROAE4.682.871814.4919
Net Interest Margin3.713.49223.3734
Loans / Deposits95.40104.10(870)89.47593
Efficiency Ratio57.9670.86(1,290)68.36(1,040)
Balance Sheet Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.3511.20(184)9.1025
Equity/ Assets10.7713.05(228)10.5126
Asset Quality Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.631.22(59)0.612
Loan Loss Reserves/ Gross Loans0.841.17(33)0.85(1)
Loan Loss Reserves/ NPAs79.8551.512,83380.30(45)
Net Charge-offs/ Avg Loans0.420.12310.0142
Regulatory Capital Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio11.8214.94(312)11.6913
   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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