Financial Highlights

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 2013 FY2012 FY2011 FY2010 FY2009 FY
Period Ended12/31/201312/31/201212/31/201112/31/201012/31/2009
Balance Sheet ($000)   
Total Assets1,479,7251,498,7621,485,2991,458,3431,482,356
Total Net Loans969,550945,343963,2391,011,5441,103,071
Total Deposits1,232,7921,241,4011,220,5421,183,7831,149,063
Equity Attributable to Parent Company137,626147,058155,377148,428146,880
Total Equity137,626147,058155,377148,428146,880
Profitability (%)   
Net Income ($000) 12,23410,5345,6233,7632,691
Net Income Attributable to Parent ($000) 12,23410,5345,6233,7632,691
ROAA0.820.700.380.250.19
Core ROAA0.860.750.410.290.19
ROAE8.667.003.752.561.86
ROATCE12.3210.735.503.422.33
Core ROAE9.107.444.072.911.88
Net Interest Margin3.843.994.063.873.82
Reported: Net Interest Margin3.843.994.063.873.82
Efficiency Ratio66.7564.2461.0263.0365.78
Noninterest Inc / Operating Rev16.7718.6015.0818.6822.16
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits80.0777.6480.6187.1597.61
Securities / Assets23.7124.0823.5318.1710.70
Total Equity / Total Assets9.309.8110.4610.189.91
Tangible Equity / Tangible Assets7.037.568.187.807.51
Tang Common Equity / Tang Assets7.036.415.915.495.24
Tier 1 Common Capital RatioNA9.278.347.796.77
Tier 1 Ratio14.0814.7315.2914.6813.00
Risk-based Capital Ratio15.3315.9916.5515.9414.21
Leverage Ratio (Bank, BHC Only)9.499.7110.3010.0210.05
Asset Quality (%)   
NPAs / Assets2.202.623.193.073.05
NPA Excl Restructured / Assets0.811.241.902.382.57
NPAs & 90+ PD / Assets2.202.633.223.113.27
NPAs / Loans & REO3.304.054.784.304.00
Nonaccrual & 90+ & OREO / Assets0.811.241.932.422.79
NPAs & 90+ PD / Loans & REO3.304.064.834.354.29
NPA & Loans 90+ / Tangible Common Equity + LLR27.2934.2144.8045.6051.08
NCOs / Avg Loans0.540.771.401.050.91
Loan Loss Reserves / Gross Loans1.822.212.142.071.70
Reserves / NPAs55.1954.2844.3947.9142.28
Loan Loss Provision / NCO35.38104.3697.00121.01144.53
Per Share Information ($)   
Common Shares Outstanding (actual) 8,083,0228,001,9037,892,4867,803,8167,730,241
Avg Diluted Shares (actual) 8,116,0007,956,5017,845,0007,768,0007,659,000
Basic Book Value per Share17.0316.2615.5314.8214.77
As-reported Book Value per Share17.0316.2615.5314.8214.77
Basic Tangible Book Value per Share12.5611.7110.8510.009.79
Reported: Tangible Book Value12.5711.7110.8510.009.79
Common Dividends Declared per Share0.240.290.040.080.40
EPS after Extra1.451.160.500.270.15
EPS after Extra Growth (%) 25.00132.0085.2080.0050.00
Core EPS1.531.240.560.340.15
Core EPS Growth (%) 22.80121.7066.50119.30(78.1)
Diluted EPS before Amortization1.501.220.590.370.27
Pre-Provision Earnings Per Share1.531.711.501.351.28
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