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Period Ended3/31/201512/31/201412/31/201312/31/201212/31/2011
Balance Sheet ($000) 
Total Assets1,194,9731,110,459987,060726,769533,481
Total Net Loans950,606861,601707,430527,896377,924
Total Deposits866,308823,227695,811486,519390,545
Equity Attributable to Parent Company111,587109,43894,02267,54947,732
Total Equity111,587109,43894,02267,54947,732
 
Profitability (%) 
Net Income ($000)2,1032,0794,0204,1682,702
Net Income Attributable to Parent ($000)2,1032,0794,0204,1682,702
ROAA0.750.200.510.710.57
Core ROAA0.730.190.470.640.46
ROAE7.662.015.118.336.69
ROATCE10.372.387.4910.487.22
Core ROAE7.381.944.717.515.37
Net Interest Margin2.952.972.973.113.15
Reported: Net Interest Margin2.952.992.993.123.17
Efficiency Ratio79.5291.8686.1767.2072.36
Noninterest Inc / Operating Rev59.9447.3956.3829.1016.83
 
Balance Sheet Ratios (%) 
Loans / Deposits95.9696.9789.4491.7695.72
Securities / Assets10.7111.5217.1616.1721.54
Total Equity / Total Assets9.349.869.539.298.95
Tangible Equity / Tangible Assets7.978.397.867.048.79
Tang Common Equity / Tang Assets6.586.896.995.847.19
 
Asset Quality (%) 
NPAs / Assets1.201.200.570.460.63
NPA Excl Restructured / Assets0.720.360.080.460.54
NPAs & 90+ PD / Assets1.221.680.620.500.65
NPAs / Loans & REO1.501.540.790.630.89
Nonaccrual & 90+ & OREO / Assets0.740.830.120.500.55
NPAs & 90+ PD / Loans & REO1.522.150.850.690.91
NPA & Loans 90+ / Tangible Common Equity + LLR17.3822.868.378.058.35
NCOs / Avg Loans0.180.170.250.410.35
Loan Loss Reserves / Gross Loans0.680.720.690.770.80
Reserves / NPAs45.0546.6687.72122.3389.93
Loan Loss Provision / NCO164.34199.54161.31158.28149.05
 
Capital Adequacy 
Tier 1 Common Capital (CET1)80,02977,824NANANA
Tier 1 Capital80,02998,15879,34251,45147,558
Tier 2 Capital6,512NANANANA
Total Capital86,541133,78084,36155,52750,603
Total Risk-weighted Assets930,309815,616654,283451,382342,028
Tier 1 Common Capital (CET1) Ratio8.609.54NANANA
Tier 1 Ratio8.6012.0312.1311.4013.90
Total Capital Ratio9.3016.4012.8912.3014.80
Leverage Ratio7.338.988.848.408.90
 
Per Share Information ($) 
Common Shares Outstanding (actual) 7,983,2857,983,2857,603,7405,763,6484,367,380
Avg Diluted Shares (actual) 8,135,0588,102,1176,939,0284,509,2344,388,820
Basic Book Value per Share11.9311.6611.2510.258.98
As-reported Book Value per Share11.86NA11.10NA8.99
Basic Tangible Book Value per Share9.709.448.917.198.77
Reported: Tangible Book Value9.64NANANANA
Common Dividends Declared per Share00.080.080.070.05
EPS after Extra0.240.220.570.900.61
EPS after Extra Growth (%)60.00(61.4)(36.3)47.90(3.2)
Core EPS0.230.210.530.800.48
Core EPS Growth (%)44.10(59.6)(34.7)66.30(21.0)
Diluted EPS before Amortization0.240.220.570.900.61
Pre-Provision Earnings per Share0.290.320.631.120.67
 
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