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Period Ended12/31/201412/31/201312/31/201212/31/201112/31/2010
Balance Sheet ($000) 
Total Assets1,110,459987,060726,769533,481414,267
Total Net Loans861,601707,430527,896377,924293,405
Total Deposits823,227695,811486,519390,545300,434
Equity Attributable to Parent Company109,43894,02267,54947,73230,769
Total Equity109,43894,02267,54947,73230,769
Profitability (%) 
Net Income ($000)2,0794,0204,1682,7022,237
Net Income Attributable to Parent ($000)2,0794,0204,1682,7022,237
Core ROAA0.190.470.640.460.56
Core ROAE1.944.717.515.377.81
Net Interest Margin2.972.973.113.152.92
Reported: Net Interest Margin2.992.993.123.172.94
Efficiency Ratio91.8686.1767.2072.3669.54
Noninterest Inc / Operating Rev47.3956.3829.1016.8317.57
Balance Sheet Ratios/ Capital (%) 
Loans / Deposits96.9789.4491.7695.7297.87
Securities / Assets11.5217.1616.1721.5417.16
Total Equity / Total Assets9.869.539.298.957.43
Tangible Equity / Tangible Assets8.397.867.048.797.22
Tang Common Equity / Tang Assets6.896.995.847.197.22
Tier 1 Common Capital Ratio9.54NANANANA
Tier 1 Ratio12.0312.1311.4013.9011.00
Risk-based Capital Ratio16.4012.8912.3014.8011.90
Leverage Ratio8.988.848.408.907.30
Asset Quality (%) 
NPAs / Assets1.200.570.460.630.64
NPA Excl Restructured / Assets0.360.080.460.540.64
NPAs & 90+ PD / Assets1.680.620.500.650.77
NPAs / Loans & REO1.540.790.630.890.89
Nonaccrual & 90+ & OREO / Assets0.830.120.500.550.77
NPAs & 90+ PD / Loans & REO2.150.850.690.911.08
NPA & Loans 90+ / Tangible Common Equity + LLR22.868.378.058.359.88
NCOs / Avg Loans0.170.250.410.350.33
Loan Loss Reserves / Gross Loans0.720.690.770.800.84
Reserves / NPAs46.6687.72122.3389.9394.18
Loan Loss Provision / NCO199.54161.31158.28149.05127.46
Per Share Information ($) 
Common Shares Outstanding (actual) 7,983,2857,603,7405,763,6484,367,3803,861,380
Avg Diluted Shares (actual) 8,102,1176,939,0284,509,2344,388,8203,576,944
Basic Book Value per Share11.6611.2510.258.987.97
As-reported Book Value per ShareNA11.10NA8.997.76
Basic Tangible Book Value per Share9.448.917.198.777.73
Common Dividends Declared per Share0.
EPS after Extra0.220.570.900.610.63
EPS after Extra Growth (%)(61.4)(36.3)47.90(3.2)60.30
Core EPS0.210.530.800.480.61
Core EPS Growth (%)(59.6)(34.7)66.30(21.0)33.10
Diluted EPS before Amortization0.220.570.900.610.63
Pre-Provision Earnings per Share0.320.631.120.670.73
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