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Select Period: Financial Charting
 2013 FY2012 FY2011 FY2010 FY2009 FY
Period Ended12/31/201312/31/201212/31/201112/31/201012/31/2009
Balance Sheet ($000)   
Total Assets984,5871,027,363990,248951,889979,373
Total Net Loans714,060743,267756,687740,008730,626
Total Deposits845,724874,440787,986734,331738,365
Equity Attributable to Parent Company95,38891,63487,18282,63978,766
Total Equity95,38891,63487,18282,63978,766
Profitability (%)   
Net Income ($000) 6,2325,3656,5697,6126,585
Net Income Attributable to Parent ($000) 6,2325,3656,5697,6126,585
Core ROAA0.680.540.700.840.82
Core ROAE7.506.318.0810.0110.29
Net Interest Margin3.473.503.733.533.44
Reported: Net Interest Margin3.473.503.733.533.44
Efficiency Ratio69.1168.6162.4962.3162.44
Noninterest Inc / Operating Rev24.2823.7323.9224.0525.25
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits85.5486.1897.26101.95100.16
Securities / Assets16.4113.3513.1913.0415.29
Total Equity / Total Assets9.698.928.808.688.04
Tangible Equity / Tangible Assets8.798.017.827.616.94
Tang Common Equity / Tang Assets8.798.017.827.616.94
Tier 1 Common Capital RatioNA11.3610.8910.549.69
Tier 1 Ratio12.9711.3610.8910.549.69
Risk-based Capital Ratio14.2412.6012.1411.7310.89
Leverage Ratio9.148.298.408.167.50
Core Cap / Tang Assets (OTS Only)NANANANANA
Asset Quality (%)   
NPAs / Assets4.715.152.942.441.11
NPA Excl Restructured / Assets2.984.042.122.371.11
NPAs & 90+ PD / Assets4.775.213.423.031.93
NPAs / Loans & REO6.376.983.783.101.47
Nonaccrual & 90+ & OREO / Assets3.044.102.602.961.93
NPAs & 90+ PD / Loans & REO6.457.054.403.842.56
NPA & Loans 90+ / Tangible Common Equity + LLR49.2758.2539.2435.8224.86
NCOs / Avg Loans0.490.600.860.450.26
Loan Loss Reserves / Gross Loans1.341.381.271.181.21
Reserves / NPAs20.9119.6033.4137.8482.35
Loan Loss Provision / NCO81.18114.36113.9795.97185.04
Per Share Information ($)   
Common Shares Outstanding (actual) 4,168,6734,107,3464,023,0843,919,1083,863,066
Avg Diluted Shares (actual) 4,139,0004,074,0003,963,0003,888,0003,840,000
Basic Book Value per Share22.8822.3121.6721.0920.39
As-reported Book Value per Share22.8822.3121.6721.0920.39
Basic Tangible Book Value per Share20.5519.8419.0418.2717.38
Reported: Tangible Book Value20.5519.8419.0418.2817.38
Common Dividends Declared per Share0.680.781.081.081.08
EPS after Extra1.511.321.661.961.71
EPS after Extra Growth (%) 14.40(20.5)(15.3)14.60(23.7)
Core EPS1.691.391.752.102.02
Core EPS Growth (%) 21.30(20.5)(16.9)3.80(23.7)
Diluted EPS before Amortization1.611.431.772.081.83
Pre-Provision Earnings Per Share1.751.782.402.372.27
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