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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)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,515,6441,141,99232.721,180,032113.76
Loans Held for Sale, before Reserves4,0254,662(13.66)4,058(3.25)
Loan Loss Reserve13,33112,9462.9712,86714.42
Net Loans Receivable1,506,3381,133,70832.871,171,223114.45
Intangible Assets84,28527,735203.8927,572822.76
Total Assets2,085,5351,496,08839.401,548,454138.74
Deposits1,577,7551,201,28931.341,146,172150.62
Debt, Senior and Subordinated193,042101,32590.52199,857(13.64)
Common Equity278,510164,42469.39176,598230.83
Total Shareholders' Equity289,388181,98159.02189,848209.73
Shares Outstanding (actual)15,395,06410,170,93551.3610,788,892170.77
Income Statement ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income15,82413,68015.6714,76628.66
Provision for Loan Losses3900NM0NM
Noninterest Income3,6533,4745.154,332(62.70)
Noninterest Expense13,35512,1679.7612,76018.65
Net Income Before Taxes(3,434)4,978NM3,228NM
Provision for Taxes(1)1,318NM214NM
Net Income(3,433)3,660NM3,014NM
Per Share Items ($)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share18.0916.1711.9116.3742.09
Tangible Book Value12.6213.44(6.12)13.81(34.66)
Diluted EPS Before Extra(0.31)0.29NM0.24NM
Diluted EPS After Extra(0.31)0.29NM0.24NM
Dividends Declared0.09000.060050.000.0700114.29
Performance Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA(0.83)0.98(181)0.78(161)
ROAE(6.62)8.07(1,469)6.42(1,304)
Net Interest Margin4.154.0874.21(6)
Loans / Deposits96.0695.06100102.95(689)
Efficiency Ratio68.4370.01(157)65.96247
Balance Sheet Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.2510.50(26)10.67(42)
Equity/ Assets13.8812.1617112.26162
Asset Quality Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.480.74(26)0.49(1)
Loan Loss Reserves/ Gross Loans0.881.13(25)1.09(21)
Loan Loss Reserves/ NPAs144.70123.102,160179.88(3,518)
Net Charge-offs/ Avg Loans(0.02)0.04(6)(0.02)(1)
Regulatory Capital Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio15.4315.54(11)15.71(28)
   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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