Online Banking LoginE-Statement Login

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

For the definition of a financial field, click on the field name.

Balance Sheet ($000)
2013 Q12012 Q1Y-Y
Ch (%)		2012 Q4Q-Q
Ch (%)†
Loans Held for Investment, before Reserves1,113,7651,245,759(10.60)1,177,035(21.50)
Loans Held for Sale, before Reserves5,0123,93827.276,974(112.53)
Loan Loss Reserve29,64139,795(25.52)29,3144.46
Net Loans Receivable1,089,1361,209,902(9.98)1,154,695(22.71)
Intangible Assets11,65012,030(3.16)11,700(1.71)
Total Assets2,093,3112,387,946(12.34)2,151,565(10.83)
Deposits1,856,1612,120,081(12.45)1,906,988(10.66)
Debt, Senior and Subordinated122,320123,400(0.88)123,705(4.48)
Common Equity89,374117,974(24.24)98,445(36.86)
Total Shareholders' Equity89,374117,974(24.24)98,445(36.86)
Shares Outstanding (actual)21,698,11521,102,0822.8221,698,1150.00
Income Statement ($000)
2013 Q12012 Q1Y-Y
Ch (%)		2012 Q4Q-Q
Ch (%)†
Net Interest Income15,17315,180(0.05)14,8498.73
Provision for Loan Losses1103,067(96.41)3,172(386.13)
Noninterest Income4,1563,8727.334,759(50.68)
Noninterest Expense21,69124,590(11.79)24,464(45.34)
Net Income Before Taxes(2,743)(10,909)(74.86)(7,207)(247.76)
Provision for Taxes1,853(77)NM(911)NM
Net Income(4,596)(10,859)(57.68)(6,296)(108.01)
Per Share Items ($)
2013 Q12012 Q1Y-Y
Ch (%)		2012 Q4Q-Q
Ch (%)†
Book Value per Share4.125.59(26.32)4.54(36.86)
Tangible Book Value3.585.02(28.65)4.00(41.60)
Diluted EPS Before Extra(0.21)(0.51)(58.82)(0.29)(110.34)
Diluted EPS After Extra(0.21)(0.51)(58.82)(0.29)(110.34)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2013 Q12012 Q1Y-Y
Ch (bp)		2012 Q4Q-Q
Ch (bp)
ROAA(0.87)(1.82)95(1.14)27
ROAE(19.04)(34.26)1,522(24.00)496
Net Interest Margin3.202.82382.9624
Loans / Deposits60.0058.7612461.72(172)
Efficiency Ratio105.5798.0175690.681,488
Balance Sheet Ratios (%)
2013 Q12012 Q1Y-Y
Ch (bp)		2012 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets3.734.46(73)4.05(32)
Equity/ Assets4.274.94(67)4.58(31)
Asset Quality Ratios (%)
2013 Q12012 Q1Y-Y
Ch (bp)		2012 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets5.598.78(319)6.60(101)
Loan Loss Reserves/ Gross Loans2.653.18(53)2.4817
Loan Loss Reserves/ NPAs24.5718.7458319.96461
Net Charge-offs/ Avg Loans(0.08)0.86(94)1.56(164)
Regulatory Capital Ratios (%)
2013 Q12012 Q1Y-Y
Ch (bp)		2012 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio9.1910.53(134)9.26(7)
  † 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.



Copyright 2013, © SNL Financial LC  Terms of Use