2015 Q4 Form 10-Q Financial Statement

#000153826316000092 Filed on February 08, 2016

View on sec.gov

Income Statement

Concept 2015 Q4 2014 Q4
Revenue $21.57M $21.56M
YoY Change 0.03% 41.23%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.790M $1.430M
YoY Change 25.17% 150.88%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $1.416M $1.369M
YoY Change 3.43% -1.01%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $3.313M $2.874M
YoY Change 15.27% -17.41%
Income Tax $864.0K $825.0K
% Of Pretax Income 26.08% 28.71%
Net Earnings $2.449M $2.049M
YoY Change 19.52% -28.76%
Net Earnings / Revenue 11.36% 9.5%
Basic Earnings Per Share $0.14 $0.10
Diluted Earnings Per Share $0.14 $0.10
COMMON SHARES
Basic Shares Outstanding 17.48M shares 19.15M shares
Diluted Shares Outstanding 17.81M shares 19.24M shares

Balance Sheet

Concept 2015 Q4 2014 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $49.18M $232.0M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $56.23M $59.20M
YoY Change -5.01% 140.65%
Goodwill $12.67M
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $57.30M $58.20M
YoY Change -1.55% 24.63%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $2.729B $2.640B
YoY Change 3.34% 62.06%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities
YoY Change
LONG-TERM LIABILITIES
Long-Term Debt $2.000M $2.000M
YoY Change 0.0% 0.0%
Other Long-Term Liabilities $56.40M $69.20M
YoY Change -18.5% 24.68%
Total Long-Term Liabilities $58.40M $71.20M
YoY Change -17.98% 23.83%
TOTAL LIABILITIES
Total Short-Term Liabilities
Total Long-Term Liabilities $58.40M $71.20M
Total Liabilities $2.367B $2.260B
YoY Change 4.77% 77.75%
SHAREHOLDERS EQUITY
Retained Earnings $173.4M
YoY Change
Common Stock $186.0K
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $361.2M $380.9M
YoY Change
Total Liabilities & Shareholders Equity $2.729B $2.640B
YoY Change 3.34% 62.06%

Cashflow Statement

Concept 2015 Q4 2014 Q4
OPERATING ACTIVITIES
Net Income $2.449M $2.049M
YoY Change 19.52% -28.76%
Depreciation, Depletion And Amortization $1.790M $1.430M
YoY Change 25.17% 150.88%
Cash From Operating Activities $720.0K $10.17M
YoY Change -92.92% 206.33%
INVESTING ACTIVITIES
Capital Expenditures -$380.0K -$1.130M
YoY Change -66.37% 162.79%
Acquisitions
YoY Change
Other Investing Activities $3.380M $231.6M
YoY Change -98.54% 585.46%
Cash From Investing Activities $3.000M $230.4M
YoY Change -98.7% 590.91%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 3.640M 87.40M
YoY Change -95.84% -292.05%
NET CHANGE
Cash From Operating Activities 720.0K 10.17M
Cash From Investing Activities 3.000M 230.4M
Cash From Financing Activities 3.640M 87.40M
Net Change In Cash 7.360M 328.0M
YoY Change -97.76% -3810.29%
FREE CASH FLOW
Cash From Operating Activities $720.0K $10.17M
Capital Expenditures -$380.0K -$1.130M
Free Cash Flow $1.100M $11.30M
YoY Change -90.27% 201.33%

Facts In Submission

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us-gaap Depreciation
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1696000 USD
us-gaap Depreciation Amortization And Accretion Net
DepreciationAmortizationAndAccretionNet
-1983000 USD
us-gaap Depreciation Amortization And Accretion Net
DepreciationAmortizationAndAccretionNet
-2151000 USD
CY2014Q4 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.10
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.22
CY2015Q4 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.14
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.28
CY2014Q4 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.10
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.22
CY2015Q4 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.14
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.28
CY2014Q4 us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense
229000 USD
us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense
485000 USD
CY2015Q4 us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense
288000 USD
us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense
556000 USD
us-gaap Employee Stock Ownership Plan Esop Compensation Expense
EmployeeStockOwnershipPlanESOPCompensationExpense
406000 USD
us-gaap Employee Stock Ownership Plan Esop Compensation Expense
EmployeeStockOwnershipPlanESOPCompensationExpense
494000 USD
CY2015Q2 us-gaap Fair Value Disclosure Offbalance Sheet Risks Amount Liability
FairValueDisclosureOffbalanceSheetRisksAmountLiability
338380000 USD
CY2015Q4 us-gaap Fair Value Disclosure Offbalance Sheet Risks Amount Liability
FairValueDisclosureOffbalanceSheetRisksAmountLiability
512355000 USD
CY2014Q4 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
415000 USD
us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
845000 USD
CY2015Q4 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
523000 USD
us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
1048000 USD
CY2014Q4 us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
1318000 USD
us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
2379000 USD
CY2015Q4 us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
1618000 USD
us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
3317000 USD
CY2014Q4 us-gaap Fees And Commissions Mortgage Banking
FeesAndCommissionsMortgageBanking
713000 USD
us-gaap Fees And Commissions Mortgage Banking
FeesAndCommissionsMortgageBanking
1560000 USD
CY2015Q4 us-gaap Fees And Commissions Mortgage Banking
FeesAndCommissionsMortgageBanking
590000 USD
us-gaap Fees And Commissions Mortgage Banking
FeesAndCommissionsMortgageBanking
1318000 USD
CY2014Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
23429000 USD
CY2014Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
23080000 USD
CY2014Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
23356000 USD
CY2015Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
22374000 USD
CY2015Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
22112000 USD
CY2015Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21977000 USD
CY2015Q2 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
20117000 USD
CY2015Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
19403000 USD
CY2015Q2 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
1856000 USD
CY2015Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
2219000 USD
CY2014Q4 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
0 USD
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
250000 USD
CY2015Q4 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
0 USD
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
0 USD
CY2015Q2 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1585672000 USD
CY2015Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1670994000 USD
us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
4244000 USD
CY2015Q2 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
48395000 USD
CY2015Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
31591000 USD
us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
1189000 USD
CY2015Q4 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
3682000 USD
CY2014Q4 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
12 loan
us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
20 loan
CY2015Q4 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
20 loan
us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
27 loan
CY2014Q4 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
474000 USD
CY2014Q4 us-gaap Financing Receivable Modifications Pre Modification Recorded Investment2
FinancingReceivableModificationsPreModificationRecordedInvestment2
505000 USD
us-gaap Financing Receivable Modifications Pre Modification Recorded Investment2
FinancingReceivableModificationsPreModificationRecordedInvestment2
1209000 USD
CY2015Q4 us-gaap Financing Receivable Modifications Pre Modification Recorded Investment2
FinancingReceivableModificationsPreModificationRecordedInvestment2
3684000 USD
us-gaap Financing Receivable Modifications Pre Modification Recorded Investment2
FinancingReceivableModificationsPreModificationRecordedInvestment2
4435000 USD
CY2015Q2 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
0 USD
CY2015Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
0 USD
CY2015Q2 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
1655847000 USD
CY2015Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
1720529000 USD
CY2015Q2 us-gaap Financing Receivable Recorded Investment Equal To Greater Than90 Days Past Due
FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
19904000 USD
CY2015Q4 us-gaap Financing Receivable Recorded Investment Equal To Greater Than90 Days Past Due
FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
20075000 USD
CY2015Q2 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
24854000 USD
CY2015Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
24427000 USD
CY2015Q2 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
29837000 USD
CY2015Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
27031000 USD
CY2015Q2 us-gaap Finite Lived Core Deposits Gross
FiniteLivedCoreDepositsGross
10043000 USD
CY2015Q4 us-gaap Finite Lived Core Deposits Gross
FiniteLivedCoreDepositsGross
8526000 USD
CY2014Q4 us-gaap Foreclosed Real Estate Expense
ForeclosedRealEstateExpense
433000 USD
us-gaap Foreclosed Real Estate Expense
ForeclosedRealEstateExpense
788000 USD
CY2015Q4 us-gaap Foreclosed Real Estate Expense
ForeclosedRealEstateExpense
327000 USD
us-gaap Foreclosed Real Estate Expense
ForeclosedRealEstateExpense
682000 USD
us-gaap Gain Loss On Sale Of Mortgage Loans
GainLossOnSaleOfMortgageLoans
847000 USD
us-gaap Gain Loss On Sale Of Mortgage Loans
GainLossOnSaleOfMortgageLoans
775000 USD
CY2014Q4 us-gaap Gain Loss On Sale Of Securities Net
GainLossOnSaleOfSecuritiesNet
61000 USD
us-gaap Gain Loss On Sale Of Securities Net
GainLossOnSaleOfSecuritiesNet
61000 USD
CY2015Q4 us-gaap Gain Loss On Sale Of Securities Net
GainLossOnSaleOfSecuritiesNet
0 USD
us-gaap Gain Loss On Sale Of Securities Net
GainLossOnSaleOfSecuritiesNet
0 USD
CY2015Q2 us-gaap Goodwill
Goodwill
12673000 USD
CY2015Q4 us-gaap Goodwill
Goodwill
12673000 USD
CY2014Q4 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
61790000 USD
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
68355000 USD
CY2015Q4 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
52237000 USD
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
56857000 USD
CY2014Q4 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
671000 USD
us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
1431000 USD
CY2015Q4 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
579000 USD
us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
1162000 USD
CY2015Q2 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
57884000 USD
CY2015Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
53833000 USD
CY2015Q2 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
2371000 USD
CY2015Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
2438000 USD
CY2015Q2 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
69316000 USD
CY2015Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
67062000 USD
CY2015Q2 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
41089000 USD
CY2015Q4 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
29655000 USD
CY2015Q2 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
16795000 USD
CY2015Q4 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
24178000 USD
CY2014Q4 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
2874000 USD
us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
5996000 USD
CY2015Q4 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
3313000 USD
us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
7418000 USD
CY2014Q4 us-gaap Income Loss From Continuing Operations Per Basic Share
IncomeLossFromContinuingOperationsPerBasicShare
0.10
us-gaap Income Loss From Continuing Operations Per Basic Share
IncomeLossFromContinuingOperationsPerBasicShare
0.22
CY2015Q4 us-gaap Income Loss From Continuing Operations Per Basic Share
IncomeLossFromContinuingOperationsPerBasicShare
0.14
us-gaap Income Loss From Continuing Operations Per Basic Share
IncomeLossFromContinuingOperationsPerBasicShare
0.28
CY2014Q4 us-gaap Income Loss From Continuing Operations Per Diluted Share
IncomeLossFromContinuingOperationsPerDilutedShare
0.10
us-gaap Income Loss From Continuing Operations Per Diluted Share
IncomeLossFromContinuingOperationsPerDilutedShare
0.22
CY2015Q4 us-gaap Income Loss From Continuing Operations Per Diluted Share
IncomeLossFromContinuingOperationsPerDilutedShare
0.14
us-gaap Income Loss From Continuing Operations Per Diluted Share
IncomeLossFromContinuingOperationsPerDilutedShare
0.28
CY2014Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
825000 USD
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1691000 USD
CY2015Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
864000 USD
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2405000 USD
us-gaap Income Taxes Paid
IncomeTaxesPaid
140000 USD
us-gaap Income Taxes Paid
IncomeTaxesPaid
100000 USD
us-gaap Increase Decrease In Accrued Liabilities And Other Operating Liabilities
IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities
506000 USD
us-gaap Increase Decrease In Accrued Liabilities And Other Operating Liabilities
IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities
-6557000 USD
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
-67322000 USD
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
-42139000 USD
us-gaap Increase Decrease In Loans Deferred Income
IncreaseDecreaseInLoansDeferredIncome
699000 USD
us-gaap Increase Decrease In Loans Deferred Income
IncreaseDecreaseInLoansDeferredIncome
184000 USD
us-gaap Increase Decrease In Other Loans
IncreaseDecreaseInOtherLoans
-184828000 USD
us-gaap Increase Decrease In Other Loans
IncreaseDecreaseInOtherLoans
-4000000 USD
us-gaap Increase Decrease In Prepaid Deferred Expense And Other Assets
IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets
693000 USD
us-gaap Increase Decrease In Prepaid Deferred Expense And Other Assets
IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets
-8072000 USD
CY2014Q4 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
90757 shares
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
77693 shares
CY2015Q4 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
331834 shares
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
274619 shares
CY2014Q4 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
1250000 USD
us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
2603000 USD
CY2015Q4 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
1406000 USD
us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
2990000 USD
CY2014Q4 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
21559000 USD
us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
41424000 USD
CY2015Q4 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
21566000 USD
us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
43575000 USD
CY2014Q4 us-gaap Interest And Dividend Income Securities Available For Sale
InterestAndDividendIncomeSecuritiesAvailableForSale
884000 USD
us-gaap Interest And Dividend Income Securities Available For Sale
InterestAndDividendIncomeSecuritiesAvailableForSale
1689000 USD
CY2015Q4 us-gaap Interest And Dividend Income Securities Available For Sale
InterestAndDividendIncomeSecuritiesAvailableForSale
1038000 USD
us-gaap Interest And Dividend Income Securities Available For Sale
InterestAndDividendIncomeSecuritiesAvailableForSale
2237000 USD
CY2014Q4 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
19823000 USD
us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
38380000 USD
CY2015Q4 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
19333000 USD
us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
38968000 USD
CY2015Q2 us-gaap Interest Bearing Deposits In Banks
InterestBearingDepositsInBanks
82269000 USD
CY2015Q4 us-gaap Interest Bearing Deposits In Banks
InterestBearingDepositsInBanks
24781000 USD
CY2014Q4 us-gaap Interest Expense
InterestExpense
1369000 USD
us-gaap Interest Expense
InterestExpense
2634000 USD
CY2015Q4 us-gaap Interest Expense
InterestExpense
1416000 USD
us-gaap Interest Expense
InterestExpense
2854000 USD
CY2014Q4 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
105000 USD
us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
144000 USD
CY2015Q4 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
275000 USD
us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
522000 USD
CY2014Q4 us-gaap Interest Expense Deposits
InterestExpenseDeposits
1264000 USD
us-gaap Interest Expense Deposits
InterestExpenseDeposits
2490000 USD
CY2015Q4 us-gaap Interest Expense Deposits
InterestExpenseDeposits
1141000 USD
us-gaap Interest Expense Deposits
InterestExpenseDeposits
2332000 USD
CY2014Q4 us-gaap Interest Income Domestic Deposits
InterestIncomeDomesticDeposits
626000 USD
us-gaap Interest Income Domestic Deposits
InterestIncomeDomesticDeposits
1065000 USD
CY2015Q4 us-gaap Interest Income Domestic Deposits
InterestIncomeDomesticDeposits
851000 USD
us-gaap Interest Income Domestic Deposits
InterestIncomeDomesticDeposits
1681000 USD
CY2014Q4 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
20190000 USD
us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
38790000 USD
CY2015Q4 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
20150000 USD
us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
40721000 USD
us-gaap Interest Paid
InterestPaid
2242000 USD
us-gaap Interest Paid
InterestPaid
2881000 USD
CY2015Q2 us-gaap Interest Receivable
InterestReceivable
7522000 USD
CY2015Q4 us-gaap Interest Receivable
InterestReceivable
7238000 USD
CY2014Q4 us-gaap Investment Income Interest And Dividend
InvestmentIncomeInterestAndDividend
226000 USD
us-gaap Investment Income Interest And Dividend
InvestmentIncomeInterestAndDividend
290000 USD
CY2015Q4 us-gaap Investment Income Interest And Dividend
InvestmentIncomeInterestAndDividend
344000 USD
us-gaap Investment Income Interest And Dividend
InvestmentIncomeInterestAndDividend
689000 USD
CY2014Q4 us-gaap Labor And Related Expense
LaborAndRelatedExpense
10068000 USD
us-gaap Labor And Related Expense
LaborAndRelatedExpense
19876000 USD
CY2015Q4 us-gaap Labor And Related Expense
LaborAndRelatedExpense
10875000 USD
us-gaap Labor And Related Expense
LaborAndRelatedExpense
21732000 USD
CY2015Q2 us-gaap Letters Of Credit Outstanding Amount
LettersOfCreditOutstandingAmount
2533000 USD
CY2015Q4 us-gaap Letters Of Credit Outstanding Amount
LettersOfCreditOutstandingAmount
2710000 USD
CY2015Q2 us-gaap Liabilities
Liabilities
2412064000 USD
CY2015Q4 us-gaap Liabilities
Liabilities
2367357000 USD
CY2015Q2 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
2783114000 USD
CY2015Q4 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
2728552000 USD
CY2015Q2 us-gaap Line Of Credit Facility Remaining Borrowing Capacity
LineOfCreditFacilityRemainingBorrowingCapacity
250762000 USD
CY2015Q4 us-gaap Line Of Credit Facility Remaining Borrowing Capacity
LineOfCreditFacilityRemainingBorrowingCapacity
358400000 USD
CY2015Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
22374000 USD
CY2015Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
21977000 USD
CY2015 us-gaap Loans And Leases Receivable Commitments Fixed Rates
LoansAndLeasesReceivableCommitmentsFixedRates
19608000 USD
us-gaap Loans And Leases Receivable Commitments Fixed Rates
LoansAndLeasesReceivableCommitmentsFixedRates
25477000 USD
CY2015 us-gaap Loans And Leases Receivable Commitments Variable Rates
LoansAndLeasesReceivableCommitmentsVariableRates
24020000 USD
us-gaap Loans And Leases Receivable Commitments Variable Rates
LoansAndLeasesReceivableCommitmentsVariableRates
6903000 USD
CY2015Q2 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1685684000 USD
CY2015Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1747560000 USD
CY2015Q2 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1685707000 USD
CY2015Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1747767000 USD
CY2015Q2 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
1663333000 USD
CY2015Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
1725790000 USD
CY2015Q2 us-gaap Loans Held For Sale Other
LoansHeldForSaleOther
5874000 USD
CY2015Q4 us-gaap Loans Held For Sale Other
LoansHeldForSaleOther
5080000 USD
CY2014Q4 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
624000 USD
us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
1011000 USD
CY2015Q4 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
499000 USD
us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
984000 USD
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
114359000 USD
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-54909000 USD
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
64548000 USD
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-15915000 USD
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
7234000 USD
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
12248000 USD
CY2014Q4 us-gaap Net Income Loss
NetIncomeLoss
2049000 USD
us-gaap Net Income Loss
NetIncomeLoss
4305000 USD
CY2015Q4 us-gaap Net Income Loss
NetIncomeLoss
2449000 USD
us-gaap Net Income Loss
NetIncomeLoss
5013000 USD
CY2014Q4 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
2049000 USD
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
4305000 USD
CY2015Q4 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
2449000 USD
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
5013000 USD
CY2014Q4 us-gaap Noninterest Expense
NoninterestExpense
20135000 USD
us-gaap Noninterest Expense
NoninterestExpense
38632000 USD
CY2015Q4 us-gaap Noninterest Expense
NoninterestExpense
19842000 USD
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0.00
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us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
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us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
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SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
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CY2015 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
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us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
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us-gaap Use Of Estimates
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<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-bottom:12px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect amounts reported in the financial statements. Various elements of the Company's accounting policies, by their nature, are inherently subject to estimation techniques, valuation assumptions and other subjective assessments.&#160;In particular, management has identified several accounting policies that, due to the judgments, estimates and assumptions inherent in those policies, are critical to an understanding of the Company's financial statements.&#160;These policies relate to (i) the determination of the provision and the allowance for loan losses, (ii) business combinations and acquired loans, (iii) the valuation of REO, (iv) the valuation of goodwill and other intangible assets, and (v) the valuation of or recognition of deferred tax assets and liabilities.&#160;These policies and judgments, estimates and assumptions are described in greater detail in subsequent notes to the Consolidated Financial Statements and Management's Discussion and Analysis of Financial Condition and Results of Operations (Critical Accounting Policies) in our </font><font style="font-family:inherit;font-size:9pt;">2015</font><font style="font-family:inherit;font-size:9pt;"> Form 10-K. Management believes that the judgments, estimates and assumptions used in the preparation of the financial statements are appropriate based on the factual circumstances at the time.&#160;However, given the sensitivity of the financial statements to these critical accounting policies, the use of other judgments, estimates and assumptions could result in material differences in the Company's results of operations or financial condition.&#160;Further, subsequent changes in economic or market conditions could have a material impact on these estimates and the Company's financial condition and operating results in future periods.</font></div></div>

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