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Trend Analysis--Quarterly (
click here for Annual Analysis
)
For the definition of a financial field, click on the field name.
Balance Sheet ($000)
2013Q1
2012Q1
Y-Y
Ch (%)
2012Q4
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
1,680,389
1,452,675
15.68
1,649,753
7.43
Loans Held for Sale, before Reserves
75,857
27,864
172.24
121,237
(149.72)
Loan Loss Reserve
22,520
20,105
12.01
22,347
3.10
Net Loans Receivable
1,733,726
1,460,434
18.71
1,748,643
(3.41)
Intangible Assets
23,656
22,975
2.96
23,674
(0.30)
Total Assets
2,772,485
2,498,644
10.96
2,750,842
3.15
Deposits
2,281,155
1,988,287
14.73
2,268,084
2.31
Debt, Senior and Subordinated
181,480
224,634
(19.21)
175,334
14.02
Common Equity
231,992
225,324
2.96
228,090
6.84
Total Shareholders' Equity
231,992
225,324
2.96
228,090
6.84
Shares Outstanding (actual)
30,955,796
30,917,138
0.13
30,955,796
0.00
Income Statement ($000)
2013Q1
2012Q1
Y-Y
Ch (%)
2012Q4
Q-Q
Ch (%)
†
Net Interest Income
24,108
22,407
7.59
24,813
(11.37)
Provision for Loan Losses
2,000
3,000
(33.33)
2,500
(80.00)
Noninterest Income
10,555
9,473
11.42
9,304
53.78
Noninterest Expense
24,851
23,110
7.53
24,859
(0.13)
Net Income Before Taxes
7,944
6,649
19.48
7,081
48.75
Provision for Taxes
2,700
2,047
31.90
1,881
174.16
Net Income
5,244
4,602
13.95
5,200
3.38
Per Share Items ($)
2013Q1
2012Q1
Y-Y
Ch (%)
2012Q4
Q-Q
Ch (%)
†
Book Value per Share
7.49
7.29
2.83
7.37
6.84
Tangible Book Value
6.73
6.54
2.83
6.60
7.67
Diluted EPS Before Extra
0.17
0.15
13.33
0.17
0.00
Diluted EPS After Extra
0.17
0.15
13.33
0.17
0.00
Dividends Declared
0.0900
0.0900
0.00
0.0900
0.00
Performance Ratios (%)
2013Q1
2012Q1
Y-Y
Ch (bp)
2012Q4
Q-Q
Ch (bp)
ROAA
0.78
0.75
3
0.77
1
ROAE
9.28
8.35
93
8.85
43
Net Interest Margin
4.02
4.07
(5)
4.05
(3)
Loans / Deposits
73.66
73.06
60
72.74
93
Efficiency Ratio
69.93
70.38
(45)
71.11
(118)
Balance Sheet Ratios (%)
2013Q1
2012Q1
Y-Y
Ch (bp)
2012Q4
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
7.58
8.17
(59)
7.50
8
Equity/ Assets
8.37
9.02
(65)
8.29
8
Asset Quality Ratios (%)
2013Q1
2012Q1
Y-Y
Ch (bp)
2012Q4
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
0.26
0.32
(6)
0.27
(1)
Loan Loss Reserves/ Gross Loans
1.28
1.36
(8)
1.26
2
Loan Loss Reserves/ NPAs
184.30
146.15
3,815
165.64
1,866
Net Charge-offs/ Avg Loans
0.37
0.80
(43)
0.52
(16)
Regulatory Capital Ratios (%)
2013Q1
2012Q1
Y-Y
Ch (bp)
2012Q4
Q-Q
Ch (bp)
Tier 1 Capital Ratio
11.68
12.08
(40)
11.49
19
†
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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© SNL Financial LC
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EST. 1929 | NYSE: STL | Member FDIC
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