Quarterly Information

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

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Balance Sheet ($000)
 2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Loans Held for Investment, before Reserves1,577,3811,427,63510.491,296,86510.08
Loans Held for Sale, before Reserves272355(23.38)1,769(79.93)
Loan Loss Reserve12,31510,85213.488,97820.87
Net Loans Receivable1,565,3381,417,13810.461,289,6569.88
Intangible Assets45,36945,1540.4842,9115.23
Total Assets2,159,0691,966,1139.811,869,9025.15
Deposits1,604,7191,524,7565.241,409,0478.21
Debt, Senior and Subordinated296,559213,49638.91247,985(13.91)
Common Equity242,074213,21613.53198,0477.66
Total Shareholders' Equity242,074213,21613.53198,0477.66
Shares Outstanding (actual)27,544,04827,047,6641.8426,944,2840.38
Income Statement ($000)
 2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Net Interest Income73,64668,1208.1149,73736.96
Provision for Loan Losses3,3503,870(13.44)3,51010.26
Noninterest Income24,10022,9335.0918,21225.92
Noninterest Expense60,52458,8892.7847,58723.75
Net Income Before Taxes32,78028,04216.9010,554165.70
Provision for Taxes10,0697,48534.522,499199.52
Net Income22,71120,55710.488,055155.21
Per Share Items ($)
 2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Book Value per Share8.797.8811.497.357.25
Tangible Book Value7.146.2114.935.767.92
Diluted EPS Before Extra0.820.767.890.36111.11
Diluted EPS After Extra0.820.767.890.36111.11
Dividends Declared0.22000.160037.500.120033.33
Performance Ratios (%)
 2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
ROAA1.091.0720.5453
ROAE9.929.72204.97475
Net Interest Margin3.994.01(2)3.8120
Loans / Deposits98.3093.6346792.04159
Efficiency Ratio58.7960.99(220)75.26(1,427)
Balance Sheet Ratios (%)
 2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Tangible Equity/ Tangible Assets9.318.75568.4926
Equity/ Assets11.2110.843710.5925
Asset Quality Ratios (%)
 2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Nonperforming Assets/ Assets0.360.44(8)0.61(17)
Loan Loss Reserves/ Gross Loans0.780.7620.697
Loan Loss Reserves/ NPAs104.2477.642,66046.463,118
Net Charge-offs/ Avg Loans0.130.15(2)0.23(8)
Regulatory Capital Ratios (%)
 2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Tier 1 Capital Ratio11.9911.831611.749

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