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Financial Highlights

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 2014 FY2013 FY2012 FY2011 FY2010 FY
Period Ended6/30/20146/30/20136/30/20126/30/20116/30/2010
Balance Sheet ($000)   
Total Assets2,074,4541,583,3231,720,0561,637,6431,641,145
Total Net Loans1,475,6361,142,8801,204,7321,280,9471,250,370
Total Deposits1,583,0471,154,7501,466,1751,264,5851,289,549
Equity Attributable to Parent Company377,151367,515172,485167,769174,815
Total Equity377,151367,515172,485167,769174,815
Profitability (%)   
Net Income ($000) 10,3429,0534,527 (14,737) 7,041
Net Income Attributable to Parent ($000) 10,3429,0534,527 (14,737) 7,041
Core ROAA0.720.570.33(1.15)(0.28)
Core ROAE3.412.493.14(10.98)(2.75)
Net Interest Margin3.793.814.023.523.33
Reported: Net Interest Margin3.793.814.023.523.33
Efficiency Ratio75.1272.0957.1172.9274.66
Noninterest Inc / Operating Rev13.7316.3513.8116.9513.24
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits94.53100.8283.83104.9099.67
Securities / Assets8.311.682.194.192.88
Total Equity / Total Assets18.1823.2110.0310.2410.65
Tangible Equity / Tangible Assets17.6323.2110.02NANA
Tang Common Equity / Tang Assets17.6323.2110.02NANA
Tier 1 Common Capital RatioNA21.8911.18NANA
Tier 1 Ratio18.2921.8911.18NANA
Risk-based Capital Ratio19.5423.1612.45NANA
Leverage RatioNANANANANA
Core Cap / Tang Assets (OTS Only)13.3715.257.32NANA
Asset Quality (%)   
NPAs / Assets4.095.965.876.825.62
NPA Excl Restructured / Assets3.025.074.673.813.87
NPAs & 90+ PD / Assets4.095.965.876.82NA
NPAs / Loans & REO5.617.958.038.317.04
Nonaccrual & 90+ & OREO / Assets3.025.074.673.81NA
NPAs & 90+ PD / Loans & REO5.617.958.038.31NA
NPA & Loans 90+ / Tangible Common Equity + LLR21.9623.6148.65NANA
NCOs / Avg Loans0.190.342.372.591.71
Loan Loss Reserves / Gross Loans1.562.732.833.773.23
Reserves / NPAs27.5934.0134.7944.8845.22
Loan Loss Provision / NCONM26.6550.91124.52176.39
Per Share Information ($)   
Common Shares Outstanding (actual) 20,632,00820,824,900NANANA
Avg Diluted Shares (actual) 18,715,66919,941,687NANANA
Basic Book Value per Share18.2817.65NANANA
As-reported Book Value per Share18.2817.65NANANA
Basic Tangible Book Value per Share17.6117.64NANANA
Reported: Tangible Book Value17.6817.64NANANA
Common Dividends Declared per Share00NANANA
EPS after Extra0.540.45NANANA
EPS after Extra Growth (%) 20.00NANANANA
Core EPS0.640.45NANANA
Core EPS Growth (%) 40.70NANANANA
Diluted EPS before Amortization0.550.45NANANA
Pre-Provision Earnings per Share0.380.39NANANA
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