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

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Balance Sheet ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,923,9171,852,6423.851,903,9244.20
Loans Held for Sale, before Reserves4,6554,3876.113,519129.13
Loan Loss Reserve20,07119,6801.9920,242(3.38)
Net Loans Receivable1,908,5011,837,3503.871,887,2034.51
Intangible Assets35,77936,212(1.20)35,882(1.15)
Total Assets2,968,0482,974,688(0.22)2,956,6531.54
Deposits2,454,3352,427,7231.102,457,189(0.46)
Debt, Senior and Subordinated33,98952,012(34.65)29,07867.56
Common Equity419,695434,454(3.40)414,9004.62
Total Shareholders' Equity419,695434,454(3.40)414,9004.62
Shares Outstanding (actual)12,255,04512,223,7500.2612,255,0450.00
Income Statement ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Net Interest Income30,68426,56015.5327,47346.75
Provision for Loan Losses1,3551,04030.291,473(32.04)
Noninterest Income8,8018,1308.258,08735.32
Noninterest Expense22,68322,1202.5523,195(8.83)
Net Income Before Taxes19,60711,54569.8310,892320.05
Provision for Taxes4,3463,19336.111,939496.54
Net Income15,2618,35282.728,953281.83
Per Share Items ($)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Book Value per Share34.2535.54(3.64)33.864.62
Tangible Book Value31.3332.58(3.84)30.935.17
Diluted EPS Before Extra1.250.6883.820.73284.93
Diluted EPS After Extra1.250.6883.820.73284.93
Dividends Declared0.51000.50002.000.0000NM
Performance Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
ROAA2.051.12931.2085
ROAE14.537.756788.64589
Net Interest Margin4.584.05534.0652
Loans / Deposits78.3976.3120877.4890
Efficiency Ratio50.8060.93(1,013)63.49(1,269)
Balance Sheet Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets13.0913.55(46)12.9812
Equity/ Assets14.1414.61(46)14.0311
Asset Quality Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.610.72(11)0.74(14)
Loan Loss Reserves/ Gross Loans1.041.06(2)1.06(2)
Loan Loss Reserves/ NPAs111.5091.751,97592.211,929
Net Charge-offs/ Avg Loans0.320.16160.248
Regulatory Capital Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio17.0217.80(78)17.57(55)
   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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