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Period Ended12/31/201312/31/201212/31/201112/31/201012/31/2009
Balance Sheet ($000) 
Total Assets987,060726,769533,481414,267352,762
Total Net Loans706,556527,896377,924293,405232,370
Total Deposits695,811486,519390,545300,434264,531
Equity Attributable to Parent Company94,02267,54947,73230,76927,138
Total Equity94,02267,54947,73230,76927,138
 
Profitability (%) 
Net Income ($000)4,0204,1682,7022,2371,406
Net Income Attributable to Parent ($000)4,0204,1682,7022,2371,406
ROAA0.510.710.570.570.45
Core ROAA0.440.640.460.560.53
ROAE5.118.336.697.985.26
ROATCE7.4910.487.228.295.49
Core ROAE4.487.515.377.816.19
Net Interest Margin2.923.113.152.923.09
Reported: Net Interest Margin2.943.123.172.943.11
Efficiency Ratio86.7667.2072.3669.5472.26
Noninterest Inc / Operating Rev57.2329.1016.8317.5720.12
 
Balance Sheet Ratios/ Capital (%) 
Loans / Deposits89.4491.7695.7297.8788.02
Securities / Assets17.1616.1721.5417.1612.98
Total Equity / Total Assets9.539.298.957.437.69
Tangible Equity / Tangible Assets7.867.048.797.227.45
Tang Common Equity / Tang Assets6.995.847.197.227.45
Tier 1 Ratio12.2011.4013.9011.0010.90
Risk-based Capital Ratio12.9012.3014.8011.9011.80
Leverage Ratio8.908.408.907.307.60
 
Asset Quality (%) 
NPAs / Assets0.570.460.630.640.33
NPA Excl Restructured / Assets0.080.460.540.640.33
NPAs & 90+ PD / Assets0.620.500.650.770.61
NPAs / Loans & REO0.790.630.890.890.50
Nonaccrual & 90+ & OREO / Assets0.120.500.550.770.61
NPAs & 90+ PD / Loans & REO0.850.690.911.080.91
NPA & Loans 90+ / Tangible Common Equity + LLR8.378.058.359.887.56
NCOs / Avg Loans0.250.410.350.330.18
Loan Loss Reserves / Gross Loans0.690.770.800.840.96
Reserves / NPAs87.73122.3389.9394.18191.37
Loan Loss Provision / NCO161.31158.28149.05127.46194.31
 
Per Share Information ($) 
Common Shares Outstanding (actual) 7,603,7405,763,6484,367,3803,861,3803,535,258
Avg Diluted Shares (actual) 6,939,0284,509,2344,388,8203,576,9443,581,824
Basic Book Value per Share11.2510.258.987.977.68
As-reported Book Value per Share11.10NA8.997.767.57
Basic Tangible Book Value per Share8.917.198.777.737.41
Common Dividends Declared per Share0.080.070.050.050.05
EPS after Extra0.570.900.610.630.39
EPS after Extra Growth (%)(36.3)47.90(3.2)60.3069.60
Core EPS0.500.800.480.610.46
Core EPS Growth (%)(38.1)66.30(21.0)33.1028.70
Diluted EPS before Amortization0.570.900.610.630.39
Pre-Provision Earnings Per Share0.601.120.670.730.54
 
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