Financial Highlights

Corporate Overview Corporate Profile Financial Information Financial Highlights Balance Sheet Income Statement Corporate Governance Governance Documents Stock Information Stock Information Historic Prices Dividends Insider Filings Insider Transactions Institutional Ownership Analyst Estimates SEC FilingsShareholder Services Total Return Calculator Basis Calculator Email Notification Information Request FAQ Investor News & Events Press Releases Event Calendar Presentations Company Information Mergers & Acquisitions

Entire IR Site Press Releases Only Filings Only Trend Analysis--Quarterly (click here for Annual Analysis) For the definition of a financial field, click on the field name. Balance Sheet ($000)   2013 Q1 2012 Q1 Y-Y Ch (%) 2012 Q4 Q-Q Ch (%)† Loans Held for Investment, before Reserves 794,623 704,261 12.83 763,416 16.35 Loans Held for Sale, before Reserves 8,671 4,874 77.90 16,439 (189.01) Loan Loss Reserve 5,527 1,607 243.93 3,998 152.98 Net Loans Receivable 797,767 707,528 12.75 775,857 11.30 Intangible Assets 28,520 28,962 (1.53) 28,630 (1.54) Total Assets 1,116,042 1,083,108 3.04 1,085,225 11.36 Deposits 903,923 876,499 3.13 873,222 14.06 Debt, Senior and Subordinated 34,902 29,252 19.31 27,364 110.19 Common Equity 147,684 146,710 0.66 149,284 (4.29) Total Shareholders' Equity 172,399 171,199 0.70 173,941 (3.55) Shares Outstanding (actual) 35,779,127 35,749,603 0.08 35,754,247 0.28 Income Statement ($000)   2013 Q1 2012 Q1 Y-Y Ch (%) 2012 Q4 Q-Q Ch (%)† Net Interest Income 9,944 10,449 (4.83) 10,175 (9.08) Provision for Loan Losses 1,940 1,064 82.33 1,167 264.95 Noninterest Income 2,370 1,937 22.35 3,530 (131.44) Noninterest Expense 11,066 10,079 9.79 12,054 (32.79) Net Income Before Taxes (1,201) 860 NM (1,213) (3.96) Provision for Taxes (395) 274 NM (3,326) (352.50) Net Income (806) 586 NM 2,113 NM Per Share Items ($)   2013 Q1 2012 Q1 Y-Y Ch (%) 2012 Q4 Q-Q Ch (%)† Book Value per Share 4.13 4.10 0.58 4.18 (4.56) Tangible Book Value 3.33 3.29 1.12 3.37 (5.21) Diluted EPS Before Extra (0.03) 0.00 NM 0.05 NM Diluted EPS After Extra (0.03) 0.00 NM 0.05 NM Dividends Declared 0.0000 0.0000 0.00 0.0000 0.00 Performance Ratios (%)   2013 Q1 2012 Q1 Y-Y Ch (bp) 2012 Q4 Q-Q Ch (bp) ROAA (0.30) 0.22 (51) 0.79 (109) ROAE (1.85) 1.38 (323) 4.87 (672) Net Interest Margin 4.24 4.44 (20) 4.37 (13) Loans / Deposits 87.91 80.35 756 87.43 48 Efficiency Ratio 87.20 79.22 798 86.64 55 Balance Sheet Ratios (%)   2013 Q1 2012 Q1 Y-Y Ch (bp) 2012 Q4 Q-Q Ch (bp) Tangible Equity/ Tangible Assets 13.23 13.49 (26) 13.75 (52) Equity/ Assets 15.45 15.81 (36) 16.03 (58) Asset Quality Ratios (%)   2013 Q1 2012 Q1 Y-Y Ch (bp) 2012 Q4 Q-Q Ch (bp) Nonperforming Assets/ Assets 1.48 2.54 (106) 1.71 (23) Loan Loss Reserves/ Gross Loans 0.69 0.23 46 0.51 18 Loan Loss Reserves/ NPAs 50.23 NA NA 33.50 1,673 Net Charge-offs/ Avg Loans 0.21 0.30 (9) 0.17 4 Regulatory Capital Ratios (%)   2013 Q1 2012 Q1 Y-Y Ch (bp) 2012 Q4 Q-Q Ch (bp) Tier 1 Capital Ratio 13.13 NA NA 13.84 (71)   † Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4   *  Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four. Copyright 2013, © SNL Financial LC  Terms of Use