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Trend Analysis--Annual (click here for Quarterly Analysis)

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Balance Sheet ($000)
2012Y2011Y2012/
2011
Ch (%)		2010Y2011/
2010
Ch (%)
Loans Held for Investment, before Reserves1,177,0351,217,535(3.33)1,303,975(6.63)
Loans Held for Sale, before Reserves6,9744,52953.990NM
Loan Loss Reserve29,31439,360(25.52)93,687(57.99)
Net Loans Receivable1,154,6951,182,704(2.37)1,210,288(2.28)
Intangible Assets11,70012,082(3.16)4,173189.53
Total Assets2,151,5652,409,108(10.69)1,902,36926.64
Deposits1,906,9882,129,111(10.43)1,696,39025.51
Debt, Senior and Subordinated123,705123,910(0.17)218,315(43.24)
Common Equity98,445129,015(23.69)(85,261)NM
Total Shareholders' Equity98,445129,015(23.69)(28,837)NM
Shares Outstanding (actual)21,698,11521,102,6682.82114,24418,371.58
Income Statement ($000)
2012Y2011Y2012/
2011
Ch (%)		2010Y2011/
2010
Ch (%)
Net Interest Income61,28039,55554.9251,650(23.42)
Provision for Loan Losses14,04967,362(79.14)132,755(49.26)
Noninterest Income17,83711,80651.0816,975(30.45)
Noninterest Expense106,472122,563(13.13)75,67961.95
Net Income Before Taxes(41,017)(130,877)(68.66)(129,162)1.33
Provision for Taxes(1,039)641NM1,259(49.09)
Net Income(40,005)(137,314)(70.87)(131,827)4.16
Per Share Items ($)
2012Y2011Y2012/
2011
Ch (%)		2010Y2011/
2010
Ch (%)
Book Value per Share4.546.11(25.79)(746.31)NM
Tangible Book Value4.005.54(27.85)(782.83)NM
Diluted EPS Before Extra(1.87)(20.71)(90.97)(1,170.47)(98.23)
Diluted EPS After Extra(1.87)(22.09)(91.53)(1,182.78)(98.13)
Dividends Declared0.00000.00000.000.00000.00
Performance Ratios (%)
2012Y2011Y2012/
2011
Ch (bp)		2010Y2011/
2010
Ch (bp)
ROAA(1.75)(6.88)513(6.47)(41)
ROAE(34.88) NM NM(193.32)NM
Net Interest Margin2.952.29662.81(52)
Loans / Deposits61.7257.1945476.87(1,968)
Efficiency Ratio97.32135.54(3,822)86.854,870
Balance Sheet Ratios (%)
2012Y2011Y2012/
2011
Ch (bp)		2010Y2011/
2010
Ch (bp)
Tangible Equity/ Tangible Assets4.054.88(82)(1.74)662
Equity/ Assets4.585.36(78)(1.52)687
Asset Quality Ratios (%)
2012Y2011Y2012/
2011
Ch (bp)		2010Y2011/
2010
Ch (bp)
Nonperforming Assets/ Assets6.609.00(240)20.62(1,162)
Loan Loss Reserves/ Gross Loans2.483.22(74)7.18(396)
Loan Loss Reserves/ NPAs19.9618.2017623.65(545)
Net Charge-offs/ Avg Loans1.9310.69(876)5.91478
Regulatory Capital Ratios (%)
2012Y2011Y2012/
2011
Ch (bp)		2010Y2011/
2010
Ch (bp)
Tier 1 Capital Ratio9.2611.71(245)(2.56)1,427

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