Select Period: Financial Charting
 2015 FQ2 YTD2014 FY2013 FY2012 FY2011 FY
Period Ended6/30/201512/31/201412/31/201312/31/201212/31/2011
Balance Sheet ($000)   
Total Assets1,553,6331,524,5391,476,1431,248,1601,216,260
Total Net Loans1,137,0461,108,553983,785884,142787,651
Total Deposits1,331,9771,280,0141,266,2561,047,4971,001,053
Equity Attributable to Parent Company136,520133,628138,578131,115125,929
Total Equity136,520133,628138,578131,115125,929
Profitability (%)   
Net Income ($000) 4,8538,1578,73111,02210,538
Net Income Attributable to Parent ($000) 4,8538,1578,73111,02210,538
ROAA0.620.540.670.880.90
Core ROAA0.650.490.760.881.02
ROAE7.105.746.508.418.77
ROATCE9.517.878.6811.2911.58
Core ROAE7.375.207.408.409.98
Net Interest Margin3.473.593.914.144.07
Reported: Net Interest Margin3.503.593.914.144.13
Efficiency Ratio75.4377.7372.2271.2468.80
Noninterest Inc / Operating Rev28.7628.7027.3925.6327.11
Balance Sheet Ratios (%)   
Loans / Deposits86.3787.6278.6585.3079.61
Securities / Assets19.4519.1824.2120.0724.25
Total Equity / Total Assets8.798.779.3910.5010.35
Tangible Equity / Tangible Assets7.227.137.628.538.23
Tang Common Equity / Tang Assets7.227.137.628.538.23
Asset Quality (%)   
NPAs / AssetsNA1.281.080.961.19
NPA Excl Restructured / Assets0.980.710.610.531.19
NPAs & 90+ PD / AssetsNA1.381.181.321.79
NPAs / Loans & REONA1.741.591.341.82
Nonaccrual & 90+ & OREO / AssetsNA0.810.710.891.79
NPAs & 90+ PD / Loans & REONA1.871.741.842.73
NPA & Loans 90+ / Tangible Common Equity + LLRNA17.4414.1014.3520.31
NCOs / Avg Loans0.050.290.040.020.11
Loan Loss Reserves / Gross Loans1.221.221.281.171.21
Reserves / NPAsNA70.0180.4287.2366.57
Loan Loss Provision / NCO211.40129.63NM465.17120.20
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NANA110,260106,92499,174
Tier 1 Capital ($000) NA115,483110,260106,92599,175
Tier 2 Capital ($000) NANANANANA
Total Capital ($000) NA129,211126,299119,894111,193
Total Risk-weighted Assets ($000) NA1,090,9001,043,546915,106837,761
Tier 1 Common Capital (CET1) Ratio (%) NANA10.5711.6811.84
Tier 1 Ratio (%) NA10.5910.5711.6811.84
Total Capital Ratio (%) NA11.8412.1013.1013.28
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) NA7.788.088.748.27
Supplementary Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 4,719,8744,629,1284,602,4024,581,3964,569,073
Avg Diluted Shares (actual) 4,711,6994,683,0004,659,6854,640,9124,382,843
Basic Book Value per Share28.9228.8730.1128.6227.56
As-reported Book Value per Share28.9228.4429.6728.2027.14
Basic Tangible Book Value per Share23.3523.0623.9822.7321.39
Reported: Tangible Book Value23.3522.7123.6322.4021.07
Common Dividends Declared per Share0.521.041.041.001.00
EPS after Extra1.031.741.872.382.40
EPS after Extra Growth (%) 21.20(7.0)(21.4)(0.8)(14.3)
Core EPS1.071.582.132.382.73
Core EPS Growth (%) 20.70(25.9)(10.5)(13.0)(9.1)
Diluted EPS before Amortization1.162.022.072.612.64
Pre-Provision Earnings per Share1.051.852.262.272.63
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