Financial Highlights

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 2014 FQ1 YTD2013 FY2012 FY2011 FY2010 FY
Period Ended3/31/201412/31/201312/31/201212/31/201112/31/2010
Balance Sheet ($000)   
Total Assets1,500,4071,479,7251,498,7621,485,2991,458,343
Total Net Loans952,642969,550945,343963,2391,011,544
Total Deposits1,249,5361,232,7921,241,4011,220,5421,183,783
Equity Attributable to Parent Company140,061137,626147,058155,377148,428
Total Equity140,061137,626147,058155,377148,428
Profitability (%)   
Net Income ($000) 2,35012,23410,5345,6233,763
Net Income Attributable to Parent ($000) 2,35012,23410,5345,6233,763
ROAA0.630.820.700.380.25
Core ROAA0.910.860.750.410.29
ROAE6.758.667.003.752.56
ROATCE9.3112.3210.735.503.42
Core ROAE9.729.107.444.072.91
Net Interest Margin3.793.843.994.063.87
Reported: Net Interest Margin3.833.843.994.063.87
Efficiency Ratio65.0566.7564.2461.0263.03
Noninterest Inc / Operating Rev11.7416.7718.6015.0818.68
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits77.5980.0777.6480.6187.15
Securities / Assets24.5423.7924.1623.5318.17
Total Equity / Total Assets9.339.309.8110.4610.18
Tangible Equity / Tangible Assets7.107.037.568.187.80
Tang Common Equity / Tang Assets7.107.036.415.915.49
Tier 1 Common Capital Ratio10.6210.389.278.347.79
Tier 1 Ratio14.3314.0814.7315.2914.68
Risk-based Capital Ratio15.5815.3315.9916.5515.94
Leverage Ratio9.639.499.7110.3010.02
Asset Quality (%)   
NPAs / Assets2.012.202.623.193.07
NPA Excl Restructured / Assets0.710.811.241.902.38
NPAs & 90+ PD / Assets2.022.202.633.223.11
NPAs / Loans & REO3.113.304.054.784.30
Nonaccrual & 90+ & OREO / Assets0.720.811.241.932.42
NPAs & 90+ PD / Loans & REO3.123.304.064.834.35
NPA & Loans 90+ / Tangible Common Equity + LLR25.0727.2934.2144.8045.60
NCOs / Avg Loans0.420.540.771.401.05
Loan Loss Reserves / Gross Loans1.751.822.212.142.07
Reserves / NPAs56.1955.1954.2844.3947.91
Loan Loss Provision / NCO035.38104.3697.00121.01
Per Share Information ($)   
Common Shares Outstanding (actual) 8,087,4218,083,0228,001,9037,892,4867,803,816
Avg Diluted Shares (actual) 8,161,8738,116,0007,956,5017,845,0007,768,000
Basic Book Value per Share17.3217.0316.2615.5314.82
As-reported Book Value per Share17.3217.0316.2615.5314.82
Basic Tangible Book Value per Share12.8612.5611.7110.8510.00
Reported: Tangible Book Value12.8612.5611.7110.8510.00
Common Dividends Declared per Share0.060.240.290.040.08
EPS after Extra0.291.451.160.500.27
EPS after Extra Growth (%) (12.1)25.00132.0085.2080.00
Core EPS0.421.531.240.560.34
Core EPS Growth (%) 24.9022.80121.7066.50119.30
Diluted EPS before Amortization0.301.501.220.590.37
Pre-Provision Earnings per Share0.391.531.711.501.35
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