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Period Ended3/31/201412/31/201312/31/201212/31/201112/31/2010
Balance Sheet ($000) 
Total Assets997,425987,060726,769533,481414,267
Total Net Loans720,308706,556527,896377,924293,405
Total Deposits754,640695,811486,519390,545300,434
Equity Attributable to Parent Company99,31194,02267,54947,73230,769
Total Equity99,31194,02267,54947,73230,769
Profitability (%) 
Net Income ($000)1,1584,0204,1682,7022,237
Net Income Attributable to Parent ($000)1,1584,0204,1682,7022,237
Core ROAA0.500.440.640.460.56
Core ROAE5.204.487.515.377.81
Net Interest Margin3.042.923.113.152.92
Reported: Net Interest Margin3.052.943.123.172.94
Efficiency Ratio84.5286.7667.2072.3669.54
Noninterest Inc / Operating Rev47.1157.2329.1016.8317.57
Balance Sheet Ratios/ Capital (%) 
Loans / Deposits89.5289.4491.7695.7297.87
Securities / Assets16.6217.1616.1721.5417.16
Total Equity / Total Assets9.969.539.298.957.43
Tangible Equity / Tangible Assets8.327.867.048.797.22
Tang Common Equity / Tang Assets7.456.995.847.197.22
Tier 1 Common Capital Ratio10.92NANANANA
Tier 1 Ratio12.7312.1311.4013.9011.00
Risk-based Capital Ratio13.5212.8912.3014.8011.90
Leverage Ratio8.958.848.408.907.30
Asset Quality (%) 
NPAs / Assets0.490.570.460.630.64
NPA Excl Restructured / Assets0.100.080.460.540.64
NPAs & 90+ PD / Assets0.860.620.500.650.77
NPAs / Loans & REO0.680.790.630.890.89
Nonaccrual & 90+ & OREO / Assets0.470.120.500.550.77
NPAs & 90+ PD / Loans & REO1.190.850.690.911.08
NPA & Loans 90+ / Tangible Common Equity + LLR10.988.378.058.359.88
NCOs / Avg Loans00.250.410.350.33
Loan Loss Reserves / Gross Loans0.750.690.770.800.84
Reserves / NPAs110.8887.73122.3389.9394.18
Loan Loss Provision / NCONM161.31158.28149.05127.46
Per Share Information ($) 
Common Shares Outstanding (actual) 7,844,6647,603,7405,763,6484,367,3803,861,380
Avg Diluted Shares (actual) 7,828,1436,939,0284,509,2344,388,8203,576,944
Basic Book Value per Share11.5811.2510.258.987.97
As-reported Book Value per Share11.4311.10NA8.997.76
Basic Tangible Book Value per Share9.318.917.198.777.73
Common Dividends Declared per Share00.
EPS after Extra0.150.570.900.610.63
EPS after Extra Growth (%)(21.1)(36.3)47.90(3.2)60.30
Core EPS0.160.500.800.480.61
Core EPS Growth (%)(15.9)(38.1)66.30(21.0)33.10
Diluted EPS before Amortization0.150.570.900.610.63
Pre-Provision Earnings Per Share0.170.601.120.670.73
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