Financial Highlights

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Period Ended3/31/201612/31/201512/31/201412/31/201312/31/2012
Balance Sheet ($000) 
Total Assets1,432,6401,384,4761,110,459987,060726,769
Total Net Loans1,166,0351,126,787861,601707,430527,896
Total Deposits1,091,5681,012,314823,227695,811486,519
Equity Attributable to Parent Company117,065114,712109,43894,02267,549
Total Equity117,065114,712109,43894,02267,549
Profitability (%) 
Net Income ($000) 1,7966,8162,0794,0204,168
Net Income Attributable to Parent ($000) 1,7966,8162,0794,0204,168
Core ROAA0.550.590.240.470.64
Core ROAE6.556.442.394.717.51
Net Interest Margin3.363.
Reported: Net Interest Margin3.363.072.992.993.12
Efficiency Ratio83.1083.4790.5486.1867.20
Noninterest Inc / Operating Rev46.5053.1546.7254.5529.10
Balance Sheet Ratios (%) 
Loans / Deposits98.54101.9696.9789.4491.76
Securities / Assets9.919.5111.5217.1616.17
Total Equity / Total Assets8.178.299.869.539.29
Tangible Equity / Tangible Assets6.926.998.397.867.04
Tang Common Equity / Tang Assets5.765.796.896.995.84
Asset Quality (%) 
NPAs / Assets0.981.171.200.570.46
NPA Excl Restructured / Assets0.520.680.360.080.46
NPAs & 90+ PD / Assets1.031.231.680.620.50
NPAs / Loans & REO1.191.431.540.790.63
Nonaccrual & 90+ & OREO / Assets0.580.740.830.120.50
NPAs & 90+ PD / Loans & REO1.261.502.150.850.69
NPA & Loans 90+ / Tangible Common Equity + LLR16.4919.5722.868.378.05
NCOs / Avg Loans0.
Loan Loss Reserves / Gross Loans0.720.710.720.690.77
Reserves / NPAs60.2049.4546.6687.72122.33
Loan Loss Provision / NCO339.67351.13199.54161.31158.28
Capital Adequacy 
Tier 1 Common Capital (CET1)83,88682,49477,824NANA
Tier 1 Capital104,344102,95298,15879,34251,451
Tier 2 Capital37,86437,424NANANA
Total Capital142,208140,376133,78084,36155,527
Total Risk-weighted Assets1,171,5611,079,764815,616654,283451,382
Tier 1 Common Capital (CET1) Ratio7.167.649.54NANA
Tier 1 Ratio8.919.5412.0312.1311.40
Total Capital Ratio12.1413.0016.4012.8912.30
Leverage Ratio7.737.778.988.848.40
Per Share Information ($) 
Common Shares Outstanding (actual) 8,078,0008,061,9217,983,2857,603,7405,763,648
Avg Diluted Shares (actual) 9,901,2509,977,6168,102,1176,939,0284,509,234
Basic Book Value per Share12.4712.2011.6611.2510.25
As-reported Book Value per Share12.3912.1311.5911.1010.07
Basic Tangible Book Value per Share10.089.819.448.917.19
Reported: Tangible Book ValueNA9.749.388.797.07
Common Dividends Declared per Share0.
EPS after Extra0.200.760.220.570.90
EPS after Extra Growth (%) (16.7)245.50(61.4)(36.3)47.90
Core EPS0.210.800.270.530.80
Core EPS Growth (%) (9.0)196.80(48.6)(34.7)66.30
Diluted EPS before Amortization0.200.760.220.570.90
Pre-Provision Earnings per Share0.240.920.380.631.12
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