2016 Q4 Form 10-Q Financial Statement

#000153826317000008 Filed on February 09, 2017

View on sec.gov

Income Statement

Concept 2016 Q4 2015 Q4
Revenue $22.06M $21.57M
YoY Change 2.3% 0.03%
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 $1.500M $1.790M
YoY Change -16.2% 25.17%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $1.648M $1.416M
YoY Change 16.38% 3.43%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $3.876M $3.313M
YoY Change 16.99% 15.27%
Income Tax $893.0K $864.0K
% Of Pretax Income 23.04% 26.08%
Net Earnings $2.983M $2.449M
YoY Change 21.8% 19.52%
Net Earnings / Revenue 13.52% 11.36%
Basic Earnings Per Share $0.17 $0.14
Diluted Earnings Per Share $0.17 $0.14
COMMON SHARES
Basic Shares Outstanding 16.90M shares 17.48M shares
Diluted Shares Outstanding 17.44M shares 17.81M shares

Balance Sheet

Concept 2016 Q4 2015 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $78.97M $49.18M
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 $54.50M $56.23M
YoY Change -3.09% -5.01%
Goodwill $13.10M $12.67M
YoY Change 3.35%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $52.30M $57.30M
YoY Change -8.73% -1.55%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $2.774B $2.729B
YoY Change 1.67% 3.34%
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 $1.900M $2.000M
YoY Change -5.0% 0.0%
Other Long-Term Liabilities $58.40M $56.40M
YoY Change 3.55% -18.5%
Total Long-Term Liabilities $60.30M $58.40M
YoY Change 3.25% -17.98%
TOTAL LIABILITIES
Total Short-Term Liabilities
Total Long-Term Liabilities $60.30M $58.40M
Total Liabilities $2.406B $2.367B
YoY Change 1.65% 4.77%
SHAREHOLDERS EQUITY
Retained Earnings $186.6M $173.4M
YoY Change 7.64%
Common Stock $180.0K $186.0K
YoY Change -3.23%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $367.8M $361.2M
YoY Change
Total Liabilities & Shareholders Equity $2.774B $2.729B
YoY Change 1.67% 3.34%

Cashflow Statement

Concept 2016 Q4 2015 Q4
OPERATING ACTIVITIES
Net Income $2.983M $2.449M
YoY Change 21.8% 19.52%
Depreciation, Depletion And Amortization $1.500M $1.790M
YoY Change -16.2% 25.17%
Cash From Operating Activities $5.960M $720.0K
YoY Change 727.78% -92.92%
INVESTING ACTIVITIES
Capital Expenditures -$1.390M -$380.0K
YoY Change 265.79% -66.37%
Acquisitions
YoY Change
Other Investing Activities -$36.11M $3.380M
YoY Change -1168.34% -98.54%
Cash From Investing Activities -$37.50M $3.000M
YoY Change -1350.0% -98.7%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 16.13M 3.640M
YoY Change 343.13% -95.84%
NET CHANGE
Cash From Operating Activities 5.960M 720.0K
Cash From Investing Activities -37.50M 3.000M
Cash From Financing Activities 16.13M 3.640M
Net Change In Cash -15.41M 7.360M
YoY Change -309.37% -97.76%
FREE CASH FLOW
Cash From Operating Activities $5.960M $720.0K
Capital Expenditures -$1.390M -$380.0K
Free Cash Flow $7.350M $1.100M
YoY Change 568.18% -90.27%

Facts In Submission

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CY2016Q4 us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense
698000 USD
us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense
950000 USD
us-gaap Employee Stock Ownership Plan Esop Compensation Expense
EmployeeStockOwnershipPlanESOPCompensationExpense
494000 USD
us-gaap Employee Stock Ownership Plan Esop Compensation Expense
EmployeeStockOwnershipPlanESOPCompensationExpense
538000 USD
CY2016Q2 us-gaap Fair Value Disclosure Offbalance Sheet Risks Amount Liability
FairValueDisclosureOffbalanceSheetRisksAmountLiability
505163000 USD
CY2016Q4 us-gaap Fair Value Disclosure Offbalance Sheet Risks Amount Liability
FairValueDisclosureOffbalanceSheetRisksAmountLiability
523380000 USD
CY2015Q4 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
523000 USD
us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
1048000 USD
CY2016Q4 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
203000 USD
us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
481000 USD
CY2015Q4 us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
1618000 USD
us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
3317000 USD
CY2016Q4 us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
1712000 USD
us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
3461000 USD
CY2015Q4 us-gaap Fees And Commissions Mortgage Banking
FeesAndCommissionsMortgageBanking
590000 USD
us-gaap Fees And Commissions Mortgage Banking
FeesAndCommissionsMortgageBanking
1318000 USD
CY2015Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
22374000 USD
CY2016Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
500000 USD
CY2016Q4 us-gaap Fees And Commissions Mortgage Banking
FeesAndCommissionsMortgageBanking
937000 USD
us-gaap Fees And Commissions Mortgage Banking
FeesAndCommissionsMortgageBanking
1914000 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
CY2016Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21292000 USD
CY2016Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
20951000 USD
CY2016Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
20986000 USD
CY2016Q2 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
20245000 USD
CY2016Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
20150000 USD
CY2016Q2 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
686000 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
CY2016Q4 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
0 USD
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
0 USD
CY2016Q2 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1772150000 USD
CY2016Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1904475000 USD
CY2016Q2 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
24345000 USD
CY2016Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
22725000 USD
CY2015Q4 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
20 loan
us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
27 loan
CY2016Q4 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
10 loan
us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
16 loan
CY2015Q4 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
3682000 USD
us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
4244000 USD
CY2016Q4 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
746000 USD
us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
970000 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
CY2016Q4 us-gaap Financing Receivable Modifications Pre Modification Recorded Investment2
FinancingReceivableModificationsPreModificationRecordedInvestment2
746000 USD
us-gaap Financing Receivable Modifications Pre Modification Recorded Investment2
FinancingReceivableModificationsPreModificationRecordedInvestment2
973000 USD
CY2015Q4 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
8 loan
us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
8 loan
CY2016Q4 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
4 loan
us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
4 loan
CY2015Q4 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
384000 USD
us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
384000 USD
CY2016Q4 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
1277000 USD
us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
1277000 USD
CY2016Q2 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
0 USD
CY2016Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
0 USD
CY2016Q2 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
1812972000 USD
CY2016Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
1937728000 USD
CY2016Q2 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
18518000 USD
us-gaap Income Taxes Paid
IncomeTaxesPaid
170000 USD
us-gaap Interest Income Domestic Deposits
InterestIncomeDomesticDeposits
1681000 USD
CY2016Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
16006000 USD
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2405000 USD
CY2016Q2 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
19487000 USD
CY2016Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
17901000 USD
CY2016Q2 us-gaap Finite Lived Core Deposits Gross
FiniteLivedCoreDepositsGross
7136000 USD
CY2016Q4 us-gaap Finite Lived Core Deposits Gross
FiniteLivedCoreDepositsGross
5868000 USD
CY2015Q4 us-gaap Foreclosed Real Estate Expense
ForeclosedRealEstateExpense
327000 USD
us-gaap Foreclosed Real Estate Expense
ForeclosedRealEstateExpense
682000 USD
CY2016Q4 us-gaap Foreclosed Real Estate Expense
ForeclosedRealEstateExpense
378000 USD
us-gaap Foreclosed Real Estate Expense
ForeclosedRealEstateExpense
522000 USD
us-gaap Gain Loss On Sale Of Mortgage Loans
GainLossOnSaleOfMortgageLoans
775000 USD
us-gaap Gain Loss On Sale Of Mortgage Loans
GainLossOnSaleOfMortgageLoans
1444000 USD
CY2015Q4 us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
0 USD
us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
0 USD
CY2016Q4 us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
0 USD
us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
385000 USD
CY2016Q2 us-gaap Goodwill
Goodwill
12673000 USD
CY2016Q4 us-gaap Goodwill
Goodwill
13098000 USD
CY2015Q4 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
52237000 USD
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
56857000 USD
CY2016Q4 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
44960000 USD
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
44676000 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
CY2016Q4 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
476000 USD
us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
987000 USD
CY2016Q2 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
44107000 USD
CY2016Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
44200000 USD
CY2016Q2 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
850000 USD
CY2016Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
1140000 USD
CY2016Q2 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
58106000 USD
CY2016Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
57864000 USD
CY2016Q2 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
26199000 USD
CY2016Q4 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
17144000 USD
CY2016Q2 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
17908000 USD
CY2016Q4 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
27056000 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
CY2016Q4 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
3876000 USD
us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
10124000 USD
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
CY2016Q4 us-gaap Income Loss From Continuing Operations Per Basic Share
IncomeLossFromContinuingOperationsPerBasicShare
0.17
us-gaap Income Loss From Continuing Operations Per Basic Share
IncomeLossFromContinuingOperationsPerBasicShare
0.39
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
CY2016Q4 us-gaap Income Loss From Continuing Operations Per Diluted Share
IncomeLossFromContinuingOperationsPerDilutedShare
0.17
us-gaap Income Loss From Continuing Operations Per Diluted Share
IncomeLossFromContinuingOperationsPerDilutedShare
0.39
CY2015Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
864000 USD
CY2016Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
893000 USD
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
3317000 USD
us-gaap Income Taxes Paid
IncomeTaxesPaid
100000 USD
us-gaap Increase Decrease In Accrued Liabilities And Other Operating Liabilities
IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities
-6557000 USD
us-gaap Increase Decrease In Accrued Liabilities And Other Operating Liabilities
IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities
-3920000 USD
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
-42139000 USD
us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
-16531000 USD
us-gaap Increase Decrease In Loans Deferred Income
IncreaseDecreaseInLoansDeferredIncome
184000 USD
us-gaap Increase Decrease In Loans Deferred Income
IncreaseDecreaseInLoansDeferredIncome
397000 USD
us-gaap Increase Decrease In Other Loans
IncreaseDecreaseInOtherLoans
-4000000 USD
us-gaap Increase Decrease In Other Loans
IncreaseDecreaseInOtherLoans
-69000000 USD
us-gaap Increase Decrease In Prepaid Deferred Expense And Other Assets
IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets
-8072000 USD
us-gaap Increase Decrease In Prepaid Deferred Expense And Other Assets
IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets
5280000 USD
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
CY2016Q4 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
656200 shares
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
596900 shares
CY2015Q4 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
1406000 USD
us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
2990000 USD
CY2016Q4 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
1648000 USD
us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
3075000 USD
CY2015Q4 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
21566000 USD
us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
43575000 USD
CY2016Q4 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
22063000 USD
us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
44854000 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
CY2016Q4 us-gaap Interest And Dividend Income Securities Available For Sale
InterestAndDividendIncomeSecuritiesAvailableForSale
862000 USD
us-gaap Interest And Dividend Income Securities Available For Sale
InterestAndDividendIncomeSecuritiesAvailableForSale
1742000 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
CY2016Q4 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
19871000 USD
us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
40352000 USD
CY2016Q2 us-gaap Interest Bearing Deposits In Banks
InterestBearingDepositsInBanks
22649000 USD
CY2016Q4 us-gaap Interest Bearing Deposits In Banks
InterestBearingDepositsInBanks
5044000 USD
CY2015Q4 us-gaap Interest Expense
InterestExpense
1416000 USD
us-gaap Interest Expense
InterestExpense
2854000 USD
CY2016Q4 us-gaap Interest Expense
InterestExpense
1648000 USD
us-gaap Interest Expense
InterestExpense
3302000 USD
CY2015Q4 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
275000 USD
us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
522000 USD
CY2016Q4 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
607000 USD
us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
1162000 USD
CY2015Q4 us-gaap Interest Expense Deposits
InterestExpenseDeposits
1141000 USD
us-gaap Interest Expense Deposits
InterestExpenseDeposits
2332000 USD
CY2016Q4 us-gaap Interest Expense Deposits
InterestExpenseDeposits
1041000 USD
us-gaap Interest Expense Deposits
InterestExpenseDeposits
2140000 USD
us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
889000 USD
CY2015Q4 us-gaap Interest Income Domestic Deposits
InterestIncomeDomesticDeposits
851000 USD
CY2016Q4 us-gaap Interest Income Domestic Deposits
InterestIncomeDomesticDeposits
939000 USD
us-gaap Interest Income Domestic Deposits
InterestIncomeDomesticDeposits
1982000 USD
CY2015Q4 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
20150000 USD
us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
40721000 USD
CY2016Q4 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
20415000 USD
us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
41552000 USD
us-gaap Interest Paid
InterestPaid
2881000 USD
us-gaap Interest Paid
InterestPaid
3754000 USD
CY2016Q2 us-gaap Interest Receivable
InterestReceivable
7405000 USD
CY2016Q4 us-gaap Interest Receivable
InterestReceivable
7792000 USD
CY2015Q4 us-gaap Investment Income Interest And Dividend
InvestmentIncomeInterestAndDividend
344000 USD
us-gaap Investment Income Interest And Dividend
InvestmentIncomeInterestAndDividend
689000 USD
CY2016Q4 us-gaap Investment Income Interest And Dividend
InvestmentIncomeInterestAndDividend
391000 USD
us-gaap Investment Income Interest And Dividend
InvestmentIncomeInterestAndDividend
778000 USD
CY2015Q4 us-gaap Labor And Related Expense
LaborAndRelatedExpense
10875000 USD
us-gaap Labor And Related Expense
LaborAndRelatedExpense
21732000 USD
CY2016Q4 us-gaap Labor And Related Expense
LaborAndRelatedExpense
11839000 USD
us-gaap Labor And Related Expense
LaborAndRelatedExpense
22530000 USD
CY2016Q2 us-gaap Letters Of Credit Outstanding Amount
LettersOfCreditOutstandingAmount
2326000 USD
CY2016Q4 us-gaap Letters Of Credit Outstanding Amount
LettersOfCreditOutstandingAmount
2094000 USD
CY2016Q2 us-gaap Liabilities
Liabilities
2357701000 USD
CY2016Q4 us-gaap Liabilities
Liabilities
2406464000 USD
CY2016Q2 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
2717677000 USD
CY2016Q4 us-gaap Liabilities And Stockholders Equity
LiabilitiesAndStockholdersEquity
2774240000 USD
CY2016Q2 us-gaap Line Of Credit Facility Remaining Borrowing Capacity
LineOfCreditFacilityRemainingBorrowingCapacity
340397000 USD
CY2016Q4 us-gaap Line Of Credit Facility Remaining Borrowing Capacity
LineOfCreditFacilityRemainingBorrowingCapacity
347718000 USD
CY2016Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
21292000 USD
CY2016Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
20986000 USD
CY2015 us-gaap Loans And Leases Receivable Commitments Fixed Rates
LoansAndLeasesReceivableCommitmentsFixedRates
29677000 USD
us-gaap Loans And Leases Receivable Commitments Fixed Rates
LoansAndLeasesReceivableCommitmentsFixedRates
23179000 USD
CY2015 us-gaap Loans And Leases Receivable Commitments Variable Rates
LoansAndLeasesReceivableCommitmentsVariableRates
9932000 USD
us-gaap Loans And Leases Receivable Commitments Variable Rates
LoansAndLeasesReceivableCommitmentsVariableRates
28612000 USD
CY2016Q2 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1832459000 USD
CY2016Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1955629000 USD
CY2016Q2 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1832831000 USD
CY2016Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1955604000 USD
CY2016Q2 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
1811539000 USD
CY2016Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
1934618000 USD
CY2016Q2 us-gaap Loans Receivable Held For Sale Net Not Part Of Disposal Group Other
LoansReceivableHeldForSaleNetNotPartOfDisposalGroupOther
5783000 USD
CY2016Q4 us-gaap Loans Receivable Held For Sale Net Not Part Of Disposal Group Other
LoansReceivableHeldForSaleNetNotPartOfDisposalGroupOther
4998000 USD
CY2015Q4 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
499000 USD
us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
984000 USD
CY2016Q4 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
459000 USD
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
6807000 USD
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-54909000 USD
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
52458000 USD
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-15915000 USD
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-62744000 USD
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
12248000 USD
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
2839000 USD
CY2015Q4 us-gaap Net Income Loss
NetIncomeLoss
2449000 USD
us-gaap Net Income Loss
NetIncomeLoss
5013000 USD
CY2016Q4 us-gaap Net Income Loss
NetIncomeLoss
2983000 USD
us-gaap Net Income Loss
NetIncomeLoss
6807000 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
CY2016Q4 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
2983000 USD
CY2015Q4 us-gaap Noninterest Expense
NoninterestExpense
19842000 USD
us-gaap Noninterest Expense
NoninterestExpense
39677000 USD
CY2016Q4 us-gaap Noninterest Expense
NoninterestExpense
20306000 USD
us-gaap Noninterest Expense
NoninterestExpense
39272000 USD
CY2015Q4 us-gaap Noninterest Income
NoninterestIncome
3005000 USD
us-gaap Noninterest Income
NoninterestIncome
6374000 USD
CY2016Q4 us-gaap Noninterest Income
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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;">2016</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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