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

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Balance Sheet ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before ReservesNA1,757,908NA1,818,541NA
Loans Held for Sale, before ReservesNA5,900NA2,984NA
Loan Loss Reserve18,77319,946(5.88)19,074(6.31)
Net Loans Receivable1,820,4071,743,8624.391,802,4513.98
Intangible Assets36,46442,667(14.54)36,608(1.57)
Total Assets2,988,5272,979,5850.303,019,323(4.08)
Deposits2,428,5262,442,369(0.57)2,479,241(8.18)
Debt, Senior and Subordinated81,12146,50874.4241,502381.85
Common Equity414,395410,3160.99422,374(7.56)
Total Shareholders' Equity414,395410,3160.99422,374(7.56)
Shares Outstanding (actual)12,185,73712,740,018(4.35)12,185,7370.00
Income Statement ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income26,40626,0121.5126,3510.83
Provision for Loan Losses9391,050(10.57)1,091(55.73)
Noninterest Income8,4209,435(10.76)8,10715.44
Noninterest Expense22,19524,983(11.16)22,0043.47
Net Income Before Taxes11,7009,40824.3611,17718.72
Provision for Taxes3,3562,29446.293,01545.24
Net Income8,3447,11417.298,1628.92
Per Share Items ($)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share34.0132.215.5934.66(7.56)
Tangible Book Value31.0128.867.4731.66(8.12)
Diluted EPS Before Extra0.680.5621.430.680.00
Diluted EPS After Extra0.680.5621.430.680.00
Dividends Declared0.50000.49002.040.0000NM
Performance Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA1.120.96161.102
ROAE8.246.961287.23101
Net Interest Margin4.014.04(3)4.05(4)
Loans / DepositsNA71.98NA73.35NA
Efficiency Ratio61.0067.51(651)61.42(42)
Balance Sheet Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets12.8012.522812.93(13)
Equity/ Assets13.8713.771013.99(12)
Asset Quality Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.93NA0.92NA
Loan Loss Reserves/ Gross Loans1.021.13(11)1.05(3)
Loan Loss Reserves/ NPAsNA72.21NA69.02NA
Net Charge-offs/ Avg Loans0.270.2440.34(7)
Regulatory Capital Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio17.4317.69(26)17.46(3)
   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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