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Select Period:
Last Four Years & YTD
Last Four Years & LTM
Last Five Years
Last Five Quarters/Interims
Quarterly Analysis
Annual Analysis
Custom Periods
Financial Charting
2013 FQ1 YTD
2012 FY
2011 FY
2010 FY
2009 FY
Period Ended
3/31/2013
12/31/2012
12/31/2011
12/31/2010
12/31/2009
Balance Sheet ($000)
Total Assets
823,714
809,676
740,902
671,523
619,444
Total Net Loans
577,932
573,163
571,910
517,554
482,597
Total Deposits
698,300
678,992
616,203
544,457
499,508
Equity Attributable to Parent Company
76,495
74,828
68,988
63,064
45,959
Total Equity
76,495
74,828
68,988
63,064
45,959
Profitability (%)
Net Income ($000)
1,816
8,132
6,112
4,840
707
Net Income Attributable to Parent ($000)
1,816
8,132
6,112
4,840
707
ROAA
0.89
1.04
0.86
0.75
0.12
Core ROAA
0.91
1.07
0.90
0.84
0.40
ROAE
9.55
11.16
9.17
8.35
1.57
ROATCE
10.98
13.00
11.16
11.25
7.60
Core ROAE
9.76
11.47
9.62
9.36
5.14
Net Interest Margin
3.58
3.78
3.92
4.10
4.28
Reported: Net Interest Margin
3.63
3.84
3.99
4.16
4.33
Efficiency Ratio
69.19
70.05
69.67
67.89
63.64
Noninterest Inc / Operating Rev
32.66
31.58
32.31
34.02
37.19
Balance Sheet Ratios/ Capital (%)
Loans / Deposits
84.16
85.71
94.09
96.45
97.95
Securities / Assets
11.92
12.23
14.45
13.90
12.76
Total Equity / Total Assets
9.29
9.24
9.31
9.39
7.42
Tangible Equity / Tangible Assets
8.36
8.29
8.22
8.12
5.87
Tang Common Equity / Tang Assets
8.36
8.29
8.22
8.12
5.87
Tier 1 Common Capital Ratio
NA
13.41
12.77
13.05
NA
Tier 1 Ratio
14.02
13.41
12.77
13.05
9.92
Risk-based Capital Ratio
15.28
14.67
14.03
14.31
11.17
Leverage Ratio (Bank, BHC Only)
9.87
9.69
9.71
9.93
7.80
Core Cap / Tang Assets (OTS Only)
NA
NA
NA
NA
NA
Asset Quality (%)
NPAs / Assets
1.74
1.69
1.96
2.14
1.65
NPA Excl Restructured / Assets
0.97
1.02
1.87
1.95
1.43
NPAs & 90+ PD / Assets
1.74
1.69
2.14
2.26
2.32
NPAs / Loans & REO
2.51
2.44
2.61
2.91
2.27
Nonaccrual & 90+ & OREO / Assets
0.98
1.02
2.05
2.07
2.10
NPAs & 90+ PD / Loans & REO
2.52
2.44
2.84
3.07
3.18
NPA & Loans 90+ / Tangible Common Equity + LLR
18.34
17.99
22.10
23.60
33.55
NCOs / Avg Loans
0.02
0.30
0.27
0.11
2.18
Loan Loss Reserves / Gross Loans
1.73
1.67
1.97
1.97
1.42
Reserves / NPAs
70.81
71.07
79.01
72.65
68.12
Loan Loss Provision / NCO
NM
(4.01)
175.80
NM
109.19
Per Share Information ($)
Common Shares Outstanding (actual)
4,190,257
4,171,473
4,124,892
4,081,887
2,813,274
Avg Diluted Shares (actual)
4,210,595
4,159,690
4,104,533
3,616,551
2,793,612
Basic Book Value per Share
18.26
17.94
16.72
15.45
16.34
As-reported Book Value per Share
18.26
17.94
16.72
15.45
16.34
Basic Tangible Book Value per Share
16.26
15.92
14.60
13.18
12.72
Reported: Tangible Book Value
16.26
15.92
14.60
13.18
12.72
Common Dividends Declared per Share
0
0.68
0.40
0.40
0.61
EPS after Extra
0.43
1.95
1.49
1.34
0.25
EPS after Extra Growth (%)
(25.9)
30.90
11.20
436.00
(86.0)
Core EPS
0.44
2.00
1.56
1.50
0.82
Core EPS Growth (%)
(26.3)
28.20
4.20
83.20
(56.0)
Diluted EPS before Amortization
0.44
2.03
1.61
1.59
1.28
Pre-Provision Earnings Per Share
0.47
1.84
1.77
1.98
2.34
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