Financial Highlights

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 2015 FQ2 YTD2014 FY2013 FY2012 FY2011 FY
Period Ended12/31/20146/30/20146/30/20136/30/20126/30/2011
Balance Sheet ($000)   
Total Assets2,640,3872,074,4541,583,3231,720,0561,637,643
Total Net Loans1,628,1081,475,6361,142,8801,204,7321,280,947
Total Deposits1,938,3211,583,0471,154,7501,466,1751,264,585
Equity Attributable to Parent Company380,927377,151367,515172,485167,769
Total Equity380,927377,151367,515172,485167,769
Profitability (%)   
Net Income ($000) 4,30510,3429,0534,527(14,737)
Net Income Attributable to Parent ($000) 4,30510,3429,0534,527(14,737)
Core ROAA0.640.720.570.33(1.15)
Core ROAE3.843.412.493.14(10.98)
Net Interest Margin3.853.793.814.023.52
Reported: Net Interest Margin3.853.793.814.023.52
Efficiency Ratio73.2475.1272.0957.1172.95
Noninterest Inc / Operating Rev12.4713.7316.3513.8116.95
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits85.1294.53100.8283.83104.90
Securities / Assets8.118.311.682.194.19
Total Equity / Total Assets14.4318.1823.2110.0310.24
Tangible Equity / Tangible Assets13.6017.6323.2110.02NA
Tang Common Equity / Tang Assets13.6017.6323.2110.02NA
Tier 1 Common Capital Ratio16.67NA21.8911.18NA
Tier 1 Ratio16.6720.8721.8911.18NA
Risk-based Capital Ratio17.9222.1223.1612.45NA
Leverage Ratio12.40NANANANA
Core Cap / Tang Assets (OTS Only)NA18.0315.257.32NA
Asset Quality (%)   
NPAs / Assets2.443.665.965.876.82
NPA Excl Restructured / Assets1.682.595.074.673.81
NPAs & 90+ PD / Assets2.443.665.965.876.82
NPAs / Loans & REO3.885.017.958.038.31
Nonaccrual & 90+ & OREO / Assets1.682.595.074.673.81
NPAs & 90+ PD / Loans & REO3.885.017.958.038.31
NPA & Loans 90+ / Tangible Common Equity + LLR17.0019.6123.6148.65NA
NCOs / Avg Loans(0.02)0.190.342.372.59
Loan Loss Reserves / Gross Loans1.411.562.732.833.77
Reserves / NPAs36.2530.9034.0134.7944.88
Loan Loss Provision / NCONMNM26.6550.91124.52
Per Share Information ($)   
Common Shares Outstanding (actual) 20,451,50520,632,00820,824,900NANA
Avg Diluted Shares (actual) 19,239,53918,715,66919,941,687NANA
Basic Book Value per Share18.6318.2817.65NANA
As-reported Book Value per Share18.6318.2817.65NANA
Basic Tangible Book Value per Share17.3917.6117.64NANA
Reported: Tangible Book Value17.6017.6817.64NANA
Common Dividends Declared per Share000NANA
EPS after Extra0.220.540.45NANA
EPS after Extra Growth (%) (31.3)20.00NANANA
Core EPS0.370.640.45NANA
Core EPS Growth (%) 12.3040.70NANANA
Diluted EPS before Amortization0.270.550.45NANA
Pre-Provision Earnings per Share0.310.380.39NANA
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