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

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Balance Sheet ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,828,8651,761,7023.811,833,152(0.94)
Loans Held for Sale, before Reserves6,0281,957208.026,0280.00
Loan Loss Reserve19,39519,926(2.66)18,77313.25
Net Loans Receivable1,815,4981,743,7334.121,820,407(1.08)
Intangible Assets36,33836,912(1.56)36,464(1.38)
Total Assets2,957,2852,939,2400.612,988,527(4.18)
Deposits2,438,0122,400,6551.562,428,5261.56
Debt, Senior and Subordinated35,95343,368(17.10)81,121(222.72)
Common Equity426,808411,9123.62414,39511.98
Total Shareholders' Equity426,808411,9123.62414,39511.98
Shares Outstanding (actual)12,223,75012,265,355(0.34)12,216,7120.23
Income Statement ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income26,50726,1571.3426,4061.53
Provision for Loan Losses1,59683591.14939279.87
Noninterest Income11,0519,42217.298,424124.74
Noninterest Expense22,58123,427(3.61)22,1996.88
Net Income Before Taxes13,38324,341(45.02)11,70057.54
Provision for Taxes4,01410,666(62.37)3,35678.43
Net Income9,36913,675(31.49)8,34449.14
Per Share Items ($)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share34.9233.583.9733.9211.74
Tangible Book Value31.9430.574.4830.9413.03
Diluted EPS Before Extra0.771.08(28.70)0.6946.38
Diluted EPS After Extra0.771.08(28.70)0.6946.38
Dividends Declared0.00000.00000.000.5000NM
Performance Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA1.261.14121.1214
ROAE8.788.36428.2454
Net Interest Margin4.054.06(1)4.014
Loans / Deposits75.0173.3816375.48(47)
Efficiency Ratio57.7745.681,20961.00(323)
Balance Sheet Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets13.3712.924512.8057
Equity/ Assets14.4314.014213.8757
Asset Quality Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.720.86(14)0.81(9)
Loan Loss Reserves/ Gross Loans1.061.13(7)1.024
Loan Loss Reserves/ NPAs91.1078.601,25077.281,382
Net Charge-offs/ Avg Loans0.210.2020.27(6)
Regulatory Capital Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio17.7817.81(3)17.4335
   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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