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

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Balance Sheet ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,903,9241,828,8654.101,902,6970.26
Loans Held for Sale, before Reserves3,5196,028(41.62)4,065(53.73)
Loan Loss Reserve20,24219,3954.3719,9096.69
Net Loans Receivable1,887,2031,815,4983.951,886,8520.07
Intangible Assets35,88236,338(1.25)35,985(1.14)
Total Assets2,956,6532,957,285(0.02)3,000,668(5.87)
Deposits2,457,1892,438,0120.792,458,653(0.24)
Debt, Senior and Subordinated29,07835,953(19.12)57,686(198.37)
Common Equity414,900426,808(2.79)413,5691.29
Total Shareholders' Equity414,900426,808(2.79)413,5691.29
Shares Outstanding (actual)12,255,04512,223,7500.2612,246,4640.28
Income Statement ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income27,47326,5073.6427,682(3.02)
Provision for Loan Losses1,4731,596(7.71)1,474(0.27)
Noninterest Income8,08711,051(26.82)8,268(8.76)
Noninterest Expense23,19522,5812.7221,84524.72
Net Income Before Taxes10,89213,383(18.61)12,646(55.48)
Provision for Taxes1,9394,014(51.69)10,030(322.67)
Net Income8,9539,369(4.44)2,616968.96
Per Share Items ($)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share33.8634.92(3.04)33.771.01
Tangible Book Value30.9331.94(3.18)30.831.24
Diluted EPS Before Extra0.730.77(5.19)0.21990.48
Diluted EPS After Extra0.730.77(5.19)0.21990.48
Dividends Declared0.00000.00000.002.0100NM
Performance Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.201.26(6)0.3585
ROAE8.648.78(14)2.37627
Net Interest Margin4.064.0514.20(14)
Loans / Deposits77.4875.0124777.3910
Efficiency Ratio63.4957.7757258.05544
Balance Sheet Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets12.9813.37(39)12.7424
Equity/ Assets14.0314.43(40)13.7825
Asset Quality Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.740.7220.741
Loan Loss Reserves/ Gross Loans1.061.0601.042
Loan Loss Reserves/ NPAs92.2191.1011190.25196
Net Charge-offs/ Avg Loans0.240.2130.29(5)
Regulatory Capital Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio17.5717.78(21)17.0156
   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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