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Financial Highlights Report
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Select Period:
 2013 FQ12012 FQ1 2012 FQ4 
Period Ended3/31/20133/31/2012Y-Y Ch (%)12/31/2012 Q-Q Ch (%)†
Balance Sheet ($000)   
Total Assets1,718,1361,648,4994.221,662,50213.39
Total Net Loans876,426848,2503.32872,6521.73
Total Deposits1,467,1431,433,4172.351,421,27212.91
Equity Attributable to Parent Company139,299120,32115.77135,78310.36
Total Equity139,299120,32115.77135,78310.36
Profitability (%)   
Net Income ($000) 3,7763,30214.353,896 (12.32)
Net Income Attributable to Parent ($000) 3,7763,30214.353,896 (12.32)
ROAA0.900.819  bp 0.93 (3)  bp
Core ROAA0.900.7515  bp 0.95 (5)  bp
ROAE10.9811.07 (9)  bp 11.61 (63)  bp
ROATCE10.9911.08 (9)  bp 11.62 (63)  bp
Core ROAE11.0610.2581  bp 11.85 (79)  bp
Net Interest Margin3.403.364  bp 3.355  bp
Reported: Net Interest Margin3.403.346  bp 3.3010  bp
Efficiency Ratio57.2158.61 (140)  bp 56.6853  bp
Noninterest Inc / Operating Rev26.6727.93 (126)  bp 29.94 (327)  bp
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits60.0759.1493  bp 61.31 (124)  bp
Securities / Assets38.9438.6826  bp 39.74 (80)  bp
Total Equity / Total Assets8.117.3081  bp 8.17 (6)  bp
Tangible Equity / Tangible Assets8.107.2981  bp 8.16 (6)  bp
Tang Common Equity / Tang Assets8.107.2981  bp 8.16 (6)  bp
Tier 1 Common Capital RatioNA11.19NA  bp 11.80NA  bp
Tier 1 Ratio13.6613.1254  bp 13.660  bp
Risk-based Capital Ratio14.9614.5046  bp 14.960  bp
Leverage Ratio (Bank, BHC Only)9.088.4068  bp 8.8721  bp
Core Cap / Tang Assets (OTS Only)NANANANANA
Asset Quality (%)   
NPAs / Assets1.802.92 (112)  bp 2.08 (28)  bp
NPA Excl Restructured / Assets1.752.82 (107)  bp 2.03 (28)  bp
NPAs & 90+ PD / Assets1.802.92 (112)  bp 2.08 (28)  bp
NPAs / Loans & REO3.415.45 (204)  bp 3.82 (41)  bp
Nonaccrual & 90+ & OREO / Assets1.762.82 (106)  bp 2.03 (27)  bp
NPAs & 90+ PD / Loans & REO3.415.45 (204)  bp 3.82 (41)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR18.4232.09 (1,367)  bp 21.04 (262)  bp
NCOs / Avg Loans0.740.75 (1)  bp 0.82 (8)  bp
Loan Loss Reserves / Gross Loans3.203.38 (18)  bp 3.200  bp
Reserves / NPAs93.5661.633,193  bp 83.371,019  bp
Loan Loss Provision / NCO105.12136.12 (3,100)  bp 86.011,911  bp
Per Share Information ($)   
Common Shares Outstanding (actual) 6,678,1436,678,502 (0.01) 6,675,0000.19
Avg Diluted Shares (actual) 6,677,4096,678,484 (0.02) 6,675,0000.14
Basic Book Value per Share20.8618.0215.7620.3410.23
As-reported Book Value per Share20.8618.0215.7620.3410.23
Basic Tangible Book Value per Share20.8418.0015.7820.3210.24
Reported: Tangible Book ValueNANANANANA
Common Dividends Declared per Share00000
EPS after Extra0.570.4916.330.58 (6.90)
EPS after Extra Growth (%) 16.3044.10 (2,779)  bp 28.90 (1,256)  bp
Core EPS0.570.4526.670.59 (13.56)
Core EPS Growth (%) 26.6036.80 (1,014)  bp 56.80 (3,020)  bp
Diluted EPS before Amortization0.570.4916.330.58 (6.90)
Pre-Provision Earnings Per Share0.710.6410.940.710
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  † 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.



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