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Period Ended9/30/201512/31/201412/31/201312/31/201212/31/2011
Balance Sheet ($000) 
Total Assets1,306,5291,110,459987,060726,769533,481
Total Net Loans1,060,492861,601707,430527,896377,924
Total Deposits1,018,255823,227695,811486,519390,545
Equity Attributable to Parent Company114,129109,43894,02267,54947,732
Total Equity114,129109,43894,02267,54947,732
Profitability (%) 
Net Income ($000)5,4142,0794,0204,1682,702
Net Income Attributable to Parent ($000)5,4142,0794,0204,1682,702
Core ROAA0.640.190.470.640.46
Core ROAE6.901.944.717.515.37
Net Interest Margin3.022.972.973.113.15
Reported: Net Interest Margin3.022.992.993.123.17
Efficiency Ratio82.7691.8686.1767.2072.36
Noninterest Inc / Operating Rev55.4647.3956.3829.1016.83
Balance Sheet Ratios (%) 
Loans / Deposits97.7096.9789.4491.7695.72
Securities / Assets9.7111.5217.1616.1721.54
Total Equity / Total Assets8.749.869.539.298.95
Tangible Equity / Tangible Assets7.368.397.867.048.79
Tang Common Equity / Tang Assets6.106.896.995.847.19
Asset Quality (%) 
NPAs / Assets1.011.200.570.460.63
NPA Excl Restructured / Assets0.610.360.080.460.54
NPAs & 90+ PD / Assets1.111.680.620.500.65
NPAs / Loans & REO1.231.540.790.630.89
Nonaccrual & 90+ & OREO / Assets0.720.830.120.500.55
NPAs & 90+ PD / Loans & REO1.362.150.850.690.91
NPA & Loans 90+ / Tangible Common Equity + LLR16.9322.868.378.058.35
NCOs / Avg Loans0.
Loan Loss Reserves / Gross Loans0.690.720.690.770.80
Reserves / NPAs56.1446.6687.72122.3389.93
Loan Loss Provision / NCO268.60199.54161.31158.28149.05
Capital Adequacy 
Tier 1 Common Capital (CET1)81,28877,824NANANA
Tier 1 Capital101,74698,15879,34251,45147,558
Tier 2 Capital36,820NANANANA
Total Capital138,566133,78084,36155,52750,603
Total Risk-weighted Assets1,033,343815,616654,283451,382342,028
Tier 1 Common Capital (CET1) Ratio7.879.54NANANA
Tier 1 Ratio9.8512.0312.1311.4013.90
Total Capital Ratio13.4116.4012.8912.3014.80
Leverage Ratio8.148.988.848.408.90
Per Share Information ($) 
Common Shares Outstanding (actual) 8,061,9217,983,2857,603,7405,763,6484,367,380
Avg Diluted Shares (actual) 8,606,3548,102,1176,939,0284,509,2344,388,820
Basic Book Value per Share12.1311.6611.2510.258.98
As-reported Book Value per Share12.05NA11.10NA8.99
Basic Tangible Book Value per Share9.739.448.917.198.77
Reported: Tangible Book Value9.72NANANANA
Common Dividends Declared per Share0.
EPS after Extra0.620.220.570.900.61
EPS after Extra Growth (%)100.00(61.4)(36.3)47.90(3.2)
Core EPS0.660.210.530.800.48
Core EPS Growth (%)NA(59.6)(34.7)66.30(21.0)
Diluted EPS before Amortization0.620.220.570.900.61
Pre-Provision Earnings per Share0.780.320.631.120.67
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