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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)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves833,587808,0373.16822,2995.49
Loans Held for Sale, before ReservesNA1,104NA421NA
Loan Loss Reserve10,10011,500(12.17)10,400(11.54)
Net Loans ReceivableNA797,641NA812,320NA
Intangible Assets46,12046,311(0.41)46,168(0.42)
Total Assets1,550,0001,493,1373.811,553,974(1.02)
DepositsNA1,043,766NA1,081,890NA
Debt, Senior and SubordinatedNA279,326NA290,438NA
Common EquityNA160,609NA172,076NA
Total Shareholders' EquityNA160,609NA172,076NA
Shares Outstanding (actual)7,776,2747,710,2620.867,730,9512.35
Income Statement ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest IncomeNA10,920NA10,985NA
Provision for Loan Losses(64)245NM(162)(241.98)
Noninterest IncomeNA2,130NA2,119NA
Noninterest ExpenseNA9,578NA9,514NA
Net Income Before TaxesNA3,227NA3,849NA
Provision for TaxesNA303NA444NA
Net Income3,4412,92417.683,4054.23
Per Share Items ($)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per ShareNA20.83NA22.26NA
Tangible Book ValueNA14.82NA16.29NA
Diluted EPS Before ExtraNA0.37NA0.43NA
Diluted EPS After ExtraNA0.37NA0.43NA
Dividends Declared0.23000.21009.520.220018.18
Performance Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA0.890.80100.890
ROAE7.857.18677.91(6)
Net Interest MarginNA3.50NA3.39NA
Loans / DepositsNA77.42NA76.01NA
Efficiency RatioNA68.61NA67.72NA
Balance Sheet Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA7.90NA8.35NA
Equity/ AssetsNA10.76NA11.07NA
Asset Quality Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA1.95NA1.72NA
Loan Loss Reserves/ Gross LoansNA1.42NA1.26NA
Loan Loss Reserves/ NPAsNA39.55NA38.85NA
Net Charge-offs/ Avg LoansNA0.17NA0.07NA
Regulatory Capital Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.67NA13.86NA
   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.


All per share values have been retroactively restated to reflect stock dividends paid.

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