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Period Ended6/30/201512/31/201412/31/201312/31/201212/31/2011
Balance Sheet ($000) 
Total Assets1,253,0661,110,459987,060726,769533,481
Total Net Loans1,020,345861,601707,430527,896377,924
Total Deposits890,969823,227695,811486,519390,545
Equity Attributable to Parent Company113,274109,43894,02267,54947,732
Total Equity113,274109,43894,02267,54947,732
Profitability (%) 
Net Income ($000)4,0082,0794,0204,1682,702
Net Income Attributable to Parent ($000)4,0082,0794,0204,1682,702
Core ROAA0.680.190.470.640.46
Core ROAE7.131.944.717.515.37
Net Interest Margin3.012.972.973.113.15
Reported: Net Interest Margin3.012.992.993.123.17
Efficiency Ratio81.2291.8686.1767.2072.36
Noninterest Inc / Operating Rev57.7347.3956.3829.1016.83
Balance Sheet Ratios (%) 
Loans / Deposits102.2696.9789.4491.7695.72
Securities / Assets10.1611.5217.1616.1721.54
Total Equity / Total Assets9.049.869.539.298.95
Tangible Equity / Tangible Assets7.738.397.867.048.79
Tang Common Equity / Tang Assets6.416.896.995.847.19
Asset Quality (%) 
NPAs / Assets1.111.200.570.460.63
NPA Excl Restructured / Assets0.670.360.080.460.54
NPAs & 90+ PD / Assets1.211.680.620.500.65
NPAs / Loans & REO1.351.540.790.630.89
Nonaccrual & 90+ & OREO / Assets0.780.830.120.500.55
NPAs & 90+ PD / Loans & REO1.482.150.850.690.91
NPA & Loans 90+ / Tangible Common Equity + LLR17.6522.868.378.058.35
NCOs / Avg Loans0.
Loan Loss Reserves / Gross Loans0.690.720.690.770.80
Reserves / NPAs50.7546.6687.72122.3389.93
Loan Loss Provision / NCO308.86199.54161.31158.28149.05
Capital Adequacy 
Tier 1 Common Capital (CET1)81,49377,824NANANA
Tier 1 Capital101,95198,15879,34251,45147,558
Tier 2 Capital36,447NANANANA
Total Capital138,398133,78084,36155,52750,603
Total Risk-weighted Assets997,969815,616654,283451,382342,028
Tier 1 Common Capital (CET1) Ratio8.179.54NANANA
Tier 1 Ratio10.2212.0312.1311.4013.90
Total Capital Ratio13.8716.4012.8912.3014.80
Leverage Ratio8.508.988.848.408.90
Per Share Information ($) 
Common Shares Outstanding (actual) 7,996,4737,983,2857,603,7405,763,6484,367,380
Avg Diluted Shares (actual) 8,672,2288,102,1176,939,0284,509,2344,388,820
Basic Book Value per Share12.1211.6611.2510.258.98
As-reported Book Value per Share12.05NA11.10NA8.99
Basic Tangible Book Value per Share9.909.448.917.198.77
Reported: Tangible Book Value9.84NANANANA
Common Dividends Declared per Share0.
EPS after Extra0.460.220.570.900.61
EPS after Extra Growth (%)76.90(61.4)(36.3)47.90(3.2)
Core EPS0.450.210.530.800.48
Core EPS Growth (%)NA(59.6)(34.7)66.30(21.0)
Diluted EPS before Amortization0.460.220.570.900.61
Pre-Provision Earnings per Share0.540.320.631.120.67
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