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Financial Highlights

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 2014 FQ3 YTD2013 FY2012 FY2011 FY2010 FY
Period Ended3/31/20146/30/20136/30/20126/30/20116/30/2010
Balance Sheet ($000)   
Total Assets1,632,3081,583,3231,720,0561,637,6431,641,145
Total Net Loans1,143,1261,142,8801,204,7321,280,9471,250,370
Total Deposits1,211,9041,154,7501,466,1751,264,5851,289,549
Equity Attributable to Parent Company358,436367,515172,485167,769174,815
Total Equity358,436367,515172,485167,769174,815
Profitability (%)   
Net Income ($000) 8,8099,0534,527 (14,737) 7,041
Net Income Attributable to Parent ($000) 8,8099,0534,527 (14,737) 7,041
ROAA0.720.560.28(0.90)0.45
Core ROAA0.760.570.33(1.15)(0.28)
ROAE3.232.472.67(8.60)4.41
ROATCE3.282.49NANANA
Core ROAE3.422.493.11(10.98)(2.75)
Net Interest Margin3.793.814.023.523.33
Reported: Net Interest Margin3.793.814.023.523.33
Efficiency Ratio73.1472.0957.2372.9274.66
Noninterest Inc / Operating Rev13.9416.3513.8116.9513.24
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits96.22100.8283.83104.9099.67
Securities / Assets5.601.682.194.192.88
Total Equity / Total Assets21.9623.2110.0310.2410.65
Tangible Equity / Tangible Assets21.8023.2110.02NANA
Tang Common Equity / Tang Assets21.8023.2110.02NANA
Tier 1 Common Capital Ratio21.0921.8911.18NANA
Tier 1 Ratio21.0921.8911.18NANA
Risk-based Capital Ratio22.3523.1612.45NANA
Leverage RatioNANANANANA
Core Cap / Tang Assets (OTS Only)14.5415.257.32NANA
Asset Quality (%)   
NPAs / Assets4.805.965.876.825.62
NPA Excl Restructured / Assets3.905.074.673.813.87
NPAs & 90+ PD / Assets4.805.965.876.82NA
NPAs / Loans & REO6.667.958.038.317.04
Nonaccrual & 90+ & OREO / Assets3.905.074.673.81NA
NPAs & 90+ PD / Loans & REO6.667.958.038.31NA
NPA & Loans 90+ / Tangible Common Equity + LLR20.6123.6148.65NANA
NCOs / Avg Loans0.220.342.372.591.71
Loan Loss Reserves / Gross Loans2.162.732.833.773.23
Reserves / NPAs32.2334.0134.7944.8845.22
Loan Loss Provision / NCO(239.52)26.6550.91124.52176.39
Per Share Information ($)   
Common Shares Outstanding (actual) 19,560,11520,824,900NANANA
Avg Diluted Shares (actual) 18,815,41619,941,687NANANA
Basic Book Value per Share18.3217.65NANANA
As-reported Book Value per Share18.3217.65NANANA
Basic Tangible Book Value per Share18.1517.64NANANA
Reported: Tangible Book Value18.16NANANANA
Common Dividends Declared per Share00NANANA
EPS after Extra0.460.45NANANA
EPS after Extra Growth (%) 53.30NANANANA
Core EPS0.490.45NANANA
Core EPS Growth (%) 61.10NANANANA
Diluted EPS before Amortization0.460.45NANANA
Pre-Provision Earnings Per Share0.300.39NANANA
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