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Financial Highlights

Select Period: Financial Charting
 2013 FY2012 FY2011 FY2010 FY2009 FY
Period Ended12/31/201312/31/201212/31/201112/31/201012/31/2009
Balance Sheet ($000)   
Total Assets1,476,1431,248,1601,216,260958,327975,552
Total Net Loans983,785884,142787,651604,673586,085
Total Deposits1,263,3701,044,734998,493786,359801,063
Equity Attributable to Parent Company138,578131,115125,92997,40990,086
Total Equity138,578131,115125,92997,40990,086
Profitability (%)   
Net Income ($000) 8,73111,02210,53810,1025,233
Net Income Attributable to Parent ($000) 8,73111,02210,53810,1025,233
Core ROAA0.760.881.021.100.86
Core ROAE7.408.409.9811.439.38
Net Interest Margin3.854.074.073.893.97
Reported: Net Interest Margin3.854.074.073.813.89
Efficiency Ratio73.0272.0768.8066.2371.21
Noninterest Inc / Operating Rev27.3925.6327.1136.1434.08
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits78.8385.5379.8178.0474.38
Securities / Assets24.2120.0724.2524.4825.26
Total Equity / Total Assets9.3910.5010.3510.169.23
Tangible Equity / Tangible Assets7.628.538.238.787.79
Tang Common Equity / Tang Assets7.628.538.238.787.79
Tier 1 Common Capital RatioNA11.6811.8412.8811.61
Tier 1 Ratio10.5711.6811.8412.9211.61
Risk-based Capital Ratio12.1013.1013.2814.5413.22
Leverage Ratio (Bank, BHC Only)8.088.748.278.727.89
Asset Quality (%)   
NPAs / Assets1.080.961.191.251.43
NPA Excl Restructured / Assets0.610.531.191.180.67
NPAs & 90+ PD / Assets1.181.321.791.251.48
NPAs / Loans & REO1.591.341.821.952.34
Nonaccrual & 90+ & OREO / Assets0.710.891.791.180.73
NPAs & 90+ PD / Loans & REO1.741.842.731.952.42
NPA & Loans 90+ / Tangible Common Equity + LLR14.1014.3520.3113.0017.04
NCOs / Avg Loans0.
Loan Loss Reserves / Gross Loans1.
Reserves / NPAs80.4287.2366.5779.1671.52
Loan Loss Provision / NCONM465.17120.2070.58154.19
Per Share Information ($)   
Common Shares Outstanding (actual) 4,602,4024,581,3964,569,0733,550,2543,520,353
Avg Diluted Shares (actual) 4,659,6854,640,9124,382,8433,606,5413,603,129
Basic Book Value per Share30.1128.6227.5627.4425.59
As-reported Book Value per Share29.6728.2027.1426.9224.97
Basic Tangible Book Value per Share23.9822.7321.3923.3521.26
Reported: Tangible Book Value23.6322.4021.0722.9020.74
Common Dividends Declared per Share1.
EPS after Extra1.872.382.402.801.45
EPS after Extra Growth (%) (21.4)(0.8)(14.3)93.10(37.5)
Core EPS2.132.382.733.012.22
Core EPS Growth (%) (10.5)(13.0)(9.1)35.50(14.5)
Diluted EPS before Amortization2.072.612.643.001.71
Pre-Provision Earnings Per Share2.262.272.633.022.32
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