Select Period: Financial Charting
 2014 FY2013 FY2012 FY2011 FY2010 FY
Period Ended12/31/201412/31/201312/31/201212/31/201112/31/2010
Balance Sheet ($000)   
Total Assets1,524,5391,476,1431,248,1601,216,260958,327
Total Net Loans1,108,553983,785884,142787,651604,673
Total Deposits1,280,0141,266,2561,047,4971,001,053788,500
Equity Attributable to Parent Company133,628138,578131,115125,92997,409
Total Equity133,628138,578131,115125,92997,409
Profitability (%)   
Net Income ($000) 8,1578,73111,02210,53810,102
Net Income Attributable to Parent ($000) 8,1578,73111,02210,53810,102
ROAA0.540.670.880.901.02
Core ROAA0.490.760.881.021.10
ROAE5.746.508.418.7710.64
ROATCE7.878.6811.2911.5813.23
Core ROAE5.207.408.409.9811.43
Net Interest Margin3.593.914.144.073.89
Reported: Net Interest Margin3.593.914.144.133.88
Efficiency Ratio77.7372.2271.2468.8066.23
Noninterest Inc / Operating Rev28.7027.3925.6327.1136.14
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits87.6278.6585.3079.6177.83
Securities / Assets19.1824.2120.0724.2524.48
Total Equity / Total Assets8.779.3910.5010.3510.16
Tangible Equity / Tangible Assets7.137.628.538.238.78
Tang Common Equity / Tang Assets7.137.628.538.238.78
Tier 1 Common Capital RatioNA10.5711.6811.8412.88
Tier 1 Ratio10.5910.5711.6811.8412.92
Risk-based Capital Ratio11.8412.1013.1013.2814.54
Leverage Ratio7.788.088.748.278.72
Asset Quality (%)   
NPAs / Assets1.281.080.961.191.25
NPA Excl Restructured / Assets0.710.610.531.191.18
NPAs & 90+ PD / Assets1.381.181.321.791.25
NPAs / Loans & REO1.741.591.341.821.95
Nonaccrual & 90+ & OREO / Assets0.810.710.891.791.18
NPAs & 90+ PD / Loans & REO1.871.741.842.731.95
NPA & Loans 90+ / Tangible Common Equity + LLR17.4414.1014.3520.3113.00
NCOs / Avg Loans0.290.040.020.110.27
Loan Loss Reserves / Gross Loans1.221.281.171.211.55
Reserves / NPAs70.0180.4287.2366.5779.16
Loan Loss Provision / NCO129.63NM465.17120.2070.58
Per Share Information ($)   
Common Shares Outstanding (actual) 4,629,1284,602,4024,581,3964,569,0733,550,254
Avg Diluted Shares (actual) 4,683,0004,659,6854,640,9124,382,8433,606,541
Basic Book Value per Share28.8730.1128.6227.5627.44
As-reported Book Value per Share28.4429.6728.2027.1426.92
Basic Tangible Book Value per Share23.0623.9822.7321.3923.35
Reported: Tangible Book Value22.7123.6322.4021.0722.90
Common Dividends Declared per Share1.041.041.001.001.00
EPS after Extra1.741.872.382.402.80
EPS after Extra Growth (%) (7.0)(21.4)(0.8)(14.3)93.10
Core EPS1.582.132.382.733.01
Core EPS Growth (%) (25.9)(10.5)(13.0)(9.1)35.50
Diluted EPS before Amortization2.022.072.612.643.00
Pre-Provision Earnings per Share1.852.262.272.633.02
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