Quarterly Information

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

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Balance Sheet ($000)
 2016Y2015Y2016/
2015
Ch (%)
2014Y2015/
2014
Ch (%)
Loans Held for Investment, before Reserves1,427,6351,296,86510.08663,85295.35
Loans Held for Sale, before Reserves3551,769(79.93)511246.18
Loan Loss Reserve10,8528,97820.877,63217.64
Net Loans Receivable1,417,1381,289,6569.88656,73196.38
Intangible Assets45,15442,9115.238,813386.91
Total Assets1,966,1131,869,9025.151,136,96764.46
Deposits1,524,7561,409,0478.21915,70353.88
Debt, Senior and Subordinated213,496247,985(13.91)87,517183.36
Common Equity213,216198,0477.66123,56060.28
Total Shareholders' Equity213,216198,0477.66123,56060.28
Shares Outstanding (actual)27,047,66426,944,2840.3818,408,61246.37
Income Statement ($000)
 2016Y2015Y2016/
2015
Ch (%)
2014Y2015/
2014
Ch (%)
Net Interest Income68,12049,73736.9636,33636.88
Provision for Loan Losses3,8703,51010.261,88086.70
Noninterest Income22,93318,21225.9214,84622.67
Noninterest Expense58,88947,58723.7538,16224.70
Net Income Before Taxes28,04210,554165.7011,597(8.99)
Provision for Taxes7,4852,499199.522,632(5.05)
Net Income20,5578,055155.218,965(10.15)
Per Share Items ($)
 2016Y2015Y2016/
2015
Ch (%)
2014Y2015/
2014
Ch (%)
Book Value per Share7.887.357.256.719.51
Tangible Book Value6.215.767.926.23(7.63)
Diluted EPS Before Extra0.760.36111.110.48(25.00)
Diluted EPS After Extra0.760.36111.110.48(25.00)
Dividends Declared0.16000.120033.330.12000.00
Performance Ratios (%)
 2016Y2015Y2016/
2015
Ch (bp)
2014Y2015/
2014
Ch (bp)
ROAA1.070.54530.79(25)
ROAE9.724.974757.45(248)
Net Interest Margin4.013.81203.5922
Loans / Deposits93.6392.0415972.501,954
Efficiency Ratio61.5975.26(1,367)70.24502
Balance Sheet Ratios (%)
 2016Y2015Y2016/
2015
Ch (bp)
2014Y2015/
2014
Ch (bp)
Tangible Equity/ Tangible Assets8.758.492610.17(168)
Equity/ Assets10.8410.592510.87(28)
Asset Quality Ratios (%)
 2016Y2015Y2016/
2015
Ch (bp)
2014Y2015/
2014
Ch (bp)
Nonperforming Assets/ Assets0.440.61(17)0.76(15)
Loan Loss Reserves/ Gross Loans0.760.6971.15(46)
Loan Loss Reserves/ NPAs77.6446.463,11846.92(46)
Net Charge-offs/ Avg Loans0.150.23(8)0.29(6)
Regulatory Capital Ratios (%)
 2016Y2015Y2016/
2015
Ch (bp)
2014Y2015/
2014
Ch (bp)
Tier 1 Capital Ratio11.8311.74915.43(369)

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