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

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Balance Sheet ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before ReservesNA1,863,270NA1,923,917NA
Loans Held for Sale, before ReservesNA3,292NA4,655NA
Loan Loss Reserve20,30119,8022.5220,0714.58
Net Loans Receivable1,921,4791,846,7624.051,908,5012.72
Intangible Assets35,66536,099(1.20)35,779(1.27)
Total Assets2,980,9352,982,342(0.05)2,968,0481.74
Deposits2,407,0612,453,411(1.89)2,454,335(7.70)
Debt, Senior and Subordinated93,68023,514298.4033,989702.47
Common Equity427,774443,558(3.56)419,6957.70
Total Shareholders' Equity427,774443,558(3.56)419,6957.70
Shares Outstanding (actual)12,255,04512,223,7500.2612,255,0450.00
Income Statement ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income28,82727,1086.3430,684(24.21)
Provision for Loan Losses1,4701,18524.051,35533.95
Noninterest Income9,0238,5385.688,80110.09
Noninterest Expense22,41422,3090.4722,683(4.74)
Net Income Before Taxes13,96912,17914.7019,607(115.02)
Provision for Taxes2,6563,385(21.54)4,346(155.55)
Net Income11,3138,79428.6415,261(103.48)
Per Share Items ($)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share34.9136.29(3.80)34.257.70
Tangible Book Value32.0033.33(4.01)31.338.54
Diluted EPS Before Extra0.920.7227.781.25(105.60)
Diluted EPS After Extra0.920.7227.781.25(105.60)
Dividends Declared0.00000.00000.000.5100NM
Performance Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA1.531.18352.05(52)
ROAE10.587.9826014.53(395)
Net Interest Margin4.294.14154.58(29)
Loans / DepositsNA75.95NA78.39NA
Efficiency Ratio57.5459.85(231)50.80674
Balance Sheet Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets13.3113.83(52)13.0922
Equity/ Assets14.3514.87(52)14.1421
Asset Quality Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.77NA0.61NA
Loan Loss Reserves/ Gross Loans1.051.06(2)1.040
Loan Loss Reserves/ NPAsNA85.68NA111.50NA
Net Charge-offs/ Avg Loans0.260.2330.32(6)
Regulatory Capital Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio18.3618.043217.02134
   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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