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Financial Highlights

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 Assets1,517,0111,476,1431,248,1601,216,260958,327
Total Net Loans1,109,206983,785884,142787,651604,673
Total Deposits1,280,0141,266,2561,044,734998,493786,359
Equity Attributable to Parent Company134,030138,578131,115125,92997,409
Total Equity134,030138,578131,115125,92997,409
Profitability (%)   
Net Income ($000) 8,5598,73111,02210,53810,102
Net Income Attributable to Parent ($000) 8,5598,73111,02210,53810,102
Core ROAA0.520.760.881.021.10
Core ROAE5.487.408.409.9811.43
Net Interest Margin3.543.904.074.073.89
Reported: Net Interest Margin3.593.914.074.073.81
Efficiency Ratio78.4772.3772.0768.8066.23
Noninterest Inc / Operating Rev28.7027.3925.6327.1136.14
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits87.6278.6585.5379.8178.04
Securities / Assets19.2824.2120.0724.2524.48
Total Equity / Total Assets8.849.3910.5010.3510.16
Tangible Equity / Tangible Assets7.197.628.538.238.78
Tang Common Equity / Tang Assets7.197.628.538.238.78
Tier 1 Common Capital RatioNA10.5711.6811.8412.88
Tier 1 RatioNA10.5711.6811.8412.92
Risk-based Capital RatioNA12.1013.1013.2814.54
Leverage RatioNA8.088.748.278.72
Asset Quality (%)   
NPAs / AssetsNA1.080.961.191.25
NPA Excl Restructured / Assets0.710.610.531.191.18
NPAs & 90+ PD / AssetsNA1.181.321.791.25
NPAs / Loans & REONA1.591.341.821.95
Nonaccrual & 90+ & OREO / AssetsNA0.710.891.791.18
NPAs & 90+ PD / Loans & REONA1.741.842.731.95
NPA & Loans 90+ / Tangible Common Equity + LLRNA14.1014.3520.3113.00
NCOs / Avg Loans0.
Loan Loss Reserves / Gross Loans1.
Reserves / NPAsNA80.4287.2366.5779.16
Loan Loss Provision / NCO108.37NM465.17120.2070.58
Per Share Information ($)   
Common Shares Outstanding (actual) 4,699,1864,602,4024,581,3964,569,0733,550,254
Avg Diluted Shares (actual) 4,683,0674,659,6854,640,9124,382,8433,606,541
Basic Book Value per Share28.5230.1128.6227.5627.44
As-reported Book Value per Share28.5229.6728.2027.1426.92
Basic Tangible Book Value per Share22.8023.9822.7321.3923.35
Reported: Tangible Book Value22.8023.6322.4021.0722.90
Common Dividends Declared per Share1.
EPS after Extra1.831.872.382.402.80
EPS after Extra Growth (%) (2.1)(21.4)(0.8)(14.3)93.10
Core EPS1.662.132.382.733.01
Core EPS Growth (%) (21.8)(10.5)(13.0)(9.1)35.50
Diluted EPS before Amortization2.112.072.612.643.00
Pre-Provision Earnings per Share1.852.262.272.633.02
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