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Period Ended6/30/201412/31/201312/31/201212/31/201112/31/2010
Balance Sheet ($000) 
Total Assets1,062,621987,060726,769533,481414,267
Total Net Loans797,222706,556527,896377,924293,405
Total Deposits747,044695,811486,519390,545300,434
Equity Attributable to Parent Company110,36794,02267,54947,73230,769
Total Equity110,36794,02267,54947,73230,769
Profitability (%) 
Net Income ($000)2,1274,0204,1682,7022,237
Net Income Attributable to Parent ($000)2,1274,0204,1682,7022,237
Core ROAA0.420.440.640.460.56
Core ROAE4.454.487.515.377.81
Net Interest Margin2.942.923.113.152.92
Reported: Net Interest Margin2.962.943.123.172.94
Efficiency Ratio85.2386.7667.2072.3669.54
Noninterest Inc / Operating Rev49.3057.2329.1016.8317.57
Balance Sheet Ratios/ Capital (%) 
Loans / Deposits98.2989.4491.7695.7297.87
Securities / Assets14.4817.1616.1721.5417.16
Total Equity / Total Assets10.399.539.298.957.43
Tangible Equity / Tangible Assets8.867.867.048.797.22
Tang Common Equity / Tang Assets7.306.995.847.197.22
Tier 1 Common Capital Ratio10.28NANANANA
Tier 1 Ratio12.9512.1311.4013.9011.00
Risk-based Capital Ratio17.6112.8912.3014.8011.90
Leverage Ratio9.388.848.408.907.30
Asset Quality (%) 
NPAs / Assets0.810.570.460.630.64
NPA Excl Restructured / Assets0.110.080.460.540.64
NPAs & 90+ PD / Assets0.990.620.500.650.77
NPAs / Loans & REO1.070.790.630.890.89
Nonaccrual & 90+ & OREO / Assets0.290.120.500.550.77
NPAs & 90+ PD / Loans & REO1.310.850.690.911.08
NPA & Loans 90+ / Tangible Common Equity + LLR12.738.378.058.359.88
NCOs / Avg Loans0.030.250.410.350.33
Loan Loss Reserves / Gross Loans0.780.690.770.800.84
Reserves / NPAs72.7187.72122.3389.9394.18
Loan Loss Provision / NCONM161.31158.28149.05127.46
Per Share Information ($) 
Common Shares Outstanding (actual) 8,032,3627,603,7405,763,6484,367,3803,861,380
Avg Diluted Shares (actual) 7,991,7016,939,0284,509,2344,388,8203,576,944
Basic Book Value per Share11.7111.2510.258.987.97
As-reported Book Value per Share11.6011.10NA8.997.76
Basic Tangible Book Value per Share9.498.917.198.777.73
Common Dividends Declared per Share0.
EPS after Extra0.260.570.900.610.63
EPS after Extra Growth (%)(35.0)(36.3)47.90(3.2)60.30
Core EPS0.260.500.800.480.61
Core EPS Growth (%)(32.9)(38.1)66.30(21.0)33.10
Diluted EPS before Amortization0.260.570.900.610.63
Pre-Provision Earnings per Share0.320.601.120.670.73
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