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Period Ended12/31/201512/31/201412/31/201312/31/201212/31/2011
Balance Sheet ($000) 
Total Assets1,384,4761,110,459987,060726,769533,481
Total Net Loans1,126,787861,601707,430527,896377,924
Total Deposits1,012,314823,227695,811486,519390,545
Equity Attributable to Parent Company114,712109,43894,02267,54947,732
Total Equity114,712109,43894,02267,54947,732
Profitability (%) 
Net Income ($000) 6,8162,0794,0204,1682,702
Net Income Attributable to Parent ($000) 6,8162,0794,0204,1682,702
Core ROAA0.590.240.470.640.46
Core ROAE6.442.394.717.515.37
Net Interest Margin3.
Reported: Net Interest Margin3.072.992.993.123.17
Efficiency Ratio83.4790.5486.1867.2072.36
Noninterest Inc / Operating Rev53.1546.7254.5529.1016.83
Balance Sheet Ratios (%) 
Loans / Deposits101.9696.9789.4491.7695.72
Securities / Assets9.5111.5217.1616.1721.54
Total Equity / Total Assets8.299.869.539.298.95
Tangible Equity / Tangible Assets6.998.397.867.048.79
Tang Common Equity / Tang Assets5.796.896.995.847.19
Asset Quality (%) 
NPAs / Assets1.171.200.570.460.63
NPA Excl Restructured / Assets0.680.360.080.460.54
NPAs & 90+ PD / Assets1.231.680.620.500.65
NPAs / Loans & REO1.431.540.790.630.89
Nonaccrual & 90+ & OREO / Assets0.740.830.120.500.55
NPAs & 90+ PD / Loans & REO1.502.150.850.690.91
NPA & Loans 90+ / Tangible Common Equity + LLR19.5722.868.378.058.35
NCOs / Avg Loans0.
Loan Loss Reserves / Gross Loans0.710.720.690.770.80
Reserves / NPAs49.4546.6687.72122.3389.93
Loan Loss Provision / NCO351.13199.54161.31158.28149.05
Capital Adequacy 
Tier 1 Common Capital (CET1)82,49477,824NANANA
Tier 1 Capital102,95298,15879,34251,45147,558
Tier 2 Capital37,424NANANANA
Total Capital140,376133,78084,36155,52750,603
Total Risk-weighted Assets1,079,764815,616654,283451,382342,028
Tier 1 Common Capital (CET1) Ratio7.649.54NANANA
Tier 1 Ratio9.5412.0312.1311.4013.90
Total Capital Ratio13.0016.4012.8912.3014.80
Leverage Ratio7.778.988.848.408.90
Per Share Information ($) 
Common Shares Outstanding (actual) 8,061,9217,983,2857,603,7405,763,6484,367,380
Avg Diluted Shares (actual) 9,977,6168,102,1176,939,0284,509,2344,388,820
Basic Book Value per Share12.2011.6611.2510.258.98
As-reported Book Value per Share12.1311.5911.1010.078.78
Basic Tangible Book Value per Share9.819.448.917.198.77
Reported: Tangible Book Value9.749.388.797.078.57
Common Dividends Declared per Share0.
EPS after Extra0.760.220.570.900.61
EPS after Extra Growth (%) 245.50(61.4)(36.3)47.90(3.2)
Core EPS0.800.270.530.800.48
Core EPS Growth (%) 196.80(48.6)(34.7)66.30(21.0)
Diluted EPS before Amortization0.760.220.570.900.61
Pre-Provision Earnings per Share0.920.380.631.120.67
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