Quarterly Information

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

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Balance Sheet ($000)
 2015Y2014Y2015/
2014
Ch (%)
2013Y2014/
2013
Ch (%)
Loans Held for Investment, before Reserves1,296,865663,85295.35630,6845.26
Loans Held for Sale, before Reserves1,769511246.18158223.42
Loan Loss Reserve8,9787,63217.647,5680.85
Net Loans Receivable1,289,656656,73196.38623,2745.37
Intangible Assets42,6618,813384.0710,343(14.79)
Total Assets1,869,9021,136,96764.461,137,326(0.03)
Deposits1,409,047915,70353.88915,2160.05
Debt, Senior and Subordinated247,98587,517183.36101,439(13.72)
Common Equity198,047123,56060.28113,0079.34
Total Shareholders' Equity198,047123,56060.28113,0079.34
Shares Outstanding (actual)26,944,00018,408,61246.3718,775,980(1.96)
Income Statement ($000)
 2015Y2014Y2015/
2014
Ch (%)
2013Y2014/
2013
Ch (%)
Net Interest Income49,73736,33636.8835,8961.23
Provision for Loan Losses3,5101,88086.701,29045.74
Noninterest Income18,21214,84622.6712,83615.66
Noninterest Expense47,58738,16224.7038,727(1.46)
Net Income Before Taxes10,55411,597(8.99)9,46322.55
Provision for Taxes2,4992,632(5.05)1,68356.39
Net Income8,0558,965(10.15)7,78015.23
Per Share Items ($)
 2015Y2014Y2015/
2014
Ch (%)
2013Y2014/
2013
Ch (%)
Book Value per Share7.356.719.516.0211.52
Tangible Book Value5.776.23(7.48)5.4714.00
Diluted EPS Before Extra0.360.48(25.00)0.4117.07
Diluted EPS After Extra0.360.48(25.00)0.4117.07
Dividends Declared0.12000.12000.000.12000.00
Performance Ratios (%)
 2015Y2014Y2015/
2014
Ch (bp)
2013Y2014/
2013
Ch (bp)
ROAA0.540.79(25)0.6811
ROAE4.977.45(248)6.6679
Net Interest Margin3.813.59223.581
Loans / Deposits92.0472.501,95468.91359
Efficiency Ratio75.2670.2450274.82(458)
Balance Sheet Ratios (%)
 2015Y2014Y2015/
2014
Ch (bp)
2013Y2014/
2013
Ch (bp)
Tangible Equity/ Tangible Assets8.5010.17(167)9.11106
Equity/ Assets10.5910.87(28)9.9493
Asset Quality Ratios (%)
 2015Y2014Y2015/
2014
Ch (bp)
2013Y2014/
2013
Ch (bp)
Nonperforming Assets/ Assets0.610.76(15)0.81(5)
Loan Loss Reserves/ Gross Loans0.691.15(46)1.20(5)
Loan Loss Reserves/ NPAsNA46.92NA44.83209
Net Charge-offs/ Avg Loans0.230.29(6)0.236
Regulatory Capital Ratios (%)
 2015Y2014Y2015/
2014
Ch (bp)
2013Y2014/
2013
Ch (bp)
Tier 1 Capital RatioNA15.43NA15.1924

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