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

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Balance Sheet ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves1,040,6411,070,473(2.79)1,044,052(1.31)
Loans Held for Sale, before Reserves3,38918,043(81.22)4,191(76.54)
Loan Loss Reserve31,71520,39955.4731,968(3.17)
Net Loans Receivable1,012,3151,068,117(5.22)1,016,275(1.56)
Intangible Assets5,5886,027(7.28)5,698(7.72)
Total Assets1,683,9881,687,677(0.22)1,648,1548.70
Deposits1,467,4921,462,9730.311,429,27910.69
Debt, Senior and Subordinated25,77425,7740.0025,7740.00
Common Equity179,930182,624(1.48)181,798(4.11)
Total Shareholders' Equity179,930182,624(1.48)181,798(4.11)
Shares Outstanding (actual)15,538,96915,483,5980.3615,532,3490.17
Income Statement ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest Income17,25319,854(13.10)17,1472.47
Provision for Loan Losses3763,746(89.96)525(113.52)
Noninterest Income2,6193,801(31.10)3,276(80.22)
Noninterest Expense15,23813,41413.6013,21161.37
Net Income Before Taxes3,6066,739(46.49)6,687(184.30)
Provision for Taxes1,1042,153(48.72)2,185(197.89)
Net Income2,5024,586(45.44)4,502(177.70)
Per Share Items ($)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share11.5811.79(1.83)11.70(4.28)
Tangible Book Value11.2211.41(1.63)11.34(4.16)
Diluted EPS Before Extra0.160.30(46.67)0.29(179.31)
Diluted EPS After Extra0.160.30(46.67)0.29(179.31)
Dividends Declared0.14500.1500(3.33)0.0900244.44
Performance Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAA0.601.09(49)1.10(50)
ROAE5.4610.08(462)10.07(461)
Net Interest Margin4.505.23(73)4.59(9)
Loans / Deposits70.9173.17(226)73.05(213)
Efficiency Ratio79.5756.422,31563.751,582
Balance Sheet Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.3910.50(11)10.72(33)
Equity/ Assets10.6810.82(14)11.03(35)
Asset Quality Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.681.10(42)0.89(21)
Loan Loss Reserves/ Gross Loans3.041.871163.05(1)
Loan Loss Reserves/ NPAs88.3845.464,29280.77761
Net Charge-offs/ Avg Loans(0.05)0.44(49)0.25(30)
Regulatory Capital Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio18.4918.133618.55(6)
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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