Quarterly Information

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

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Balance Sheet ($000)
 2014Y2013Y2014/
2013
Ch (%)
2012Y2013/
2012
Ch (%)
Loans Held for Investment, before Reserves663,852630,6845.26586,5927.52
Loans Held for Sale, before Reserves511158223.423,624(95.64)
Loan Loss Reserve7,6327,5680.857,629(0.80)
Net Loans Receivable656,731623,2745.37582,5876.98
Intangible Assets8,81310,343(14.79)6,03271.47
Total Assets1,136,9671,137,326(0.03)1,139,695(0.21)
Deposits915,703915,2160.05919,009(0.41)
Debt, Senior and Subordinated87,517101,439(13.72)90,30912.32
Common Equity123,560113,0079.34120,792(6.44)
Total Shareholders' Equity123,560113,0079.34120,792(6.44)
Shares Outstanding (actual)18,409,00018,775,980(1.95)18,795,048(0.10)
Income Statement ($000)
 2014Y2013Y2014/
2013
Ch (%)
2012Y2013/
2012
Ch (%)
Net Interest Income36,33635,8961.2336,898(2.72)
Provision for Loan Losses1,8801,29045.7472577.93
Noninterest Income14,84612,35920.1211,5197.29
Noninterest Expense38,16238,727(1.46)35,7648.28
Net Income Before Taxes11,5979,46322.5512,987(27.13)
Provision for Taxes2,6321,68356.393,055(44.91)
Net Income8,9657,78015.239,932(21.67)
Per Share Items ($)
 2014Y2013Y2014/
2013
Ch (%)
2012Y2013/
2012
Ch (%)
Book Value per Share6.716.0211.526.43(6.35)
Tangible Book Value6.235.4714.006.11(10.45)
Diluted EPS Before Extra0.480.4117.070.53(22.64)
Diluted EPS After Extra0.480.4117.070.53(22.64)
Dividends Declared0.12000.12000.000.1800(33.33)
Performance Ratios (%)
 2014Y2013Y2014/
2013
Ch (bp)
2012Y2013/
2012
Ch (bp)
ROAA0.790.68110.89(21)
ROAE7.456.66798.42(176)
Net Interest Margin3.593.5813.76(18)
Loans / Deposits72.5068.9135963.83508
Efficiency Ratio70.2474.82(458)69.94488
Balance Sheet Ratios (%)
 2014Y2013Y2014/
2013
Ch (bp)
2012Y2013/
2012
Ch (bp)
Tangible Equity/ Tangible Assets10.179.1110610.12(101)
Equity/ Assets10.879.949310.60(66)
Asset Quality Ratios (%)
 2014Y2013Y2014/
2013
Ch (bp)
2012Y2013/
2012
Ch (bp)
Nonperforming Assets/ Assets0.760.81(5)0.756
Loan Loss Reserves/ Gross Loans1.151.20(5)1.29(9)
Loan Loss Reserves/ NPAsNA44.83NA48.88(405)
Net Charge-offs/ Avg Loans0.290.2360.52(29)
Regulatory Capital Ratios (%)
 2014Y2013Y2014/
2013
Ch (bp)
2012Y2013/
2012
Ch (bp)
Tier 1 Capital Ratio15.3915.192016.18(99)

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