Select Period: Financial Charting
 2016 FQ2 YTD2015 FY2014 FY2013 FY2012 FY
Period Ended6/30/201612/31/201512/31/201412/31/201312/31/2012
Balance Sheet ($000)   
Total Assets1,683,4801,619,9641,524,5391,476,1431,248,160
Total Net Loans1,187,2971,155,4491,108,553983,785884,142
Total Deposits1,467,9201,400,2951,280,0141,266,2561,047,497
Equity Attributable to Parent Company144,156137,242133,628138,578131,115
Total Equity144,156137,242133,628138,578131,115
Profitability (%)   
Net Income ($000) 5,0759,4338,1578,73111,022
Net Income Attributable to Parent ($000) 5,0759,4338,1578,73111,022
ROAA0.620.600.540.670.88
Core ROAA0.610.630.490.760.88
ROAE7.166.845.746.508.41
ROATCE9.299.127.878.6811.29
Core ROAE7.067.205.207.408.40
Net Interest Margin3.393.463.593.914.14
Reported: Net Interest Margin3.413.463.593.914.14
Efficiency Ratio75.8075.1277.7572.2271.24
Noninterest Inc / Operating Rev27.6328.3028.7027.3925.63
Balance Sheet Ratios (%)   
Loans / Deposits81.8383.4687.6278.6585.30
Securities / Assets18.3621.9119.1824.2120.07
Total Equity / Total Assets8.568.478.779.3910.50
Tangible Equity / Tangible Assets7.176.997.137.628.53
Tang Common Equity / Tang Assets7.176.997.137.628.53
Asset Quality (%)   
NPAs / AssetsNA1.321.281.080.96
NPA Excl Restructured / Assets0.760.850.710.610.53
NPAs & 90+ PD / AssetsNA1.321.381.181.32
NPAs / Loans & REONA1.821.741.591.34
Nonaccrual & 90+ & OREO / AssetsNA0.850.810.710.89
NPAs & 90+ PD / Loans & REONA1.831.871.741.84
NPA & Loans 90+ / Tangible Common Equity + LLRNA17.0117.4414.1014.35
NCOs / Avg Loans0.100.090.290.040.02
Loan Loss Reserves / Gross Loans1.221.221.221.281.17
Reserves / NPAsNA66.7370.0180.4287.23
Loan Loss Provision / NCO170.96157.57129.63NM465.17
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA124,787115,483110,260106,924
Tier 1 Capital ($000) NA124,787115,483110,260106,925
Tier 2 Capital ($000) NA14,263NANANA
Total Capital ($000) NA139,050129,211126,299119,894
Total Risk-weighted Assets ($000) NA1,133,8271,090,4831,043,546915,106
Tier 1 Common Capital (CET1) Ratio (%) NA11.0110.5910.5711.68
Tier 1 Ratio (%) NA11.0110.5910.5711.68
Total Capital Ratio (%) NA12.2611.8412.1013.10
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) NA7.837.788.088.74
Supplementary Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 4,762,3394,668,3554,629,1284,602,4024,581,396
Avg Diluted Shares (actual) 4,754,0004,719,2784,683,0674,659,6854,640,912
Basic Book Value per Share30.2729.4028.8730.1128.62
As-reported Book Value per Share30.2728.9628.4429.6728.20
Basic Tangible Book Value per Share24.9723.8823.0623.9822.73
Reported: Tangible Book Value24.9723.5322.7123.6322.40
Common Dividends Declared per Share0.521.041.041.041.00
EPS after Extra1.072.001.741.872.38
EPS after Extra Growth (%) 3.9014.90(7.0)(21.4)(0.8)
Core EPS1.062.111.572.132.38
Core EPS Growth (%) (1.4)33.70(26.0)(10.5)(13.0)
Diluted EPS before Amortization1.182.242.022.072.61
Pre-Provision Earnings per Share1.072.111.852.262.27
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