Financial Highlights

Select Period:
 2014 FQ32013 FQ3 2014 FQ2 
Period Ended9/30/20149/30/2013Y-Y Ch (%)6/30/2014 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets965,800909,1376.23979,410 (5.56)
Total Net LoansNA657,645NA736,423NA
Total Deposits728,300732,730 (0.60) 802,160 (36.83)
Equity Attributable to Parent CompanyNA82,543NA91,333NA
Total EquityNA82,543NA91,333NA
Profitability (%)   
Net Income ($000) NA1,696NA1,950NA
Net Income Attributable to Parent ($000) NA1,696NA1,950NA
ROAANA0.76NA  bp 0.81NA  bp
Core ROAANA0.76NA  bp 0.81NA  bp
ROAENA8.13NA  bp 8.69NA  bp
ROATCENA11.19NA  bp 11.56NA  bp
Core ROAENA8.13NA  bp 8.69NA  bp
Net Interest MarginNA3.64NA  bp 3.56NA  bp
Reported: Net Interest MarginNA3.60NA  bp 3.56NA  bp
Efficiency RatioNA64.82NA  bp 53.55NA  bp
Noninterest Inc / Operating RevNA4.35NA  bp 3.88NA  bp
Balance Sheet Ratios/ Capital (%)   
Loans / DepositsNA89.85NA  bp 91.52NA  bp
Securities / AssetsNA19.64NA  bp 19.00NA  bp
Total Equity / Total AssetsNA9.08NA  bp 9.33NA  bp
Tangible Equity / Tangible AssetsNA9.08NA  bp 9.33NA  bp
Tang Common Equity / Tang AssetsNA6.39NA  bp 6.83NA  bp
Tier 1 Common Capital RatioNA8.13NA  bp 8.04NA  bp
Tier 1 RatioNA11.48NA  bp 11.04NA  bp
Risk-based Capital RatioNA13.39NA  bp 12.78NA  bp
Leverage RatioNA9.41NA  bp 9.43NA  bp
Core Cap / Tang Assets (OTS Only)NANANANANA
Asset Quality (%)   
NPAs / AssetsNA1.08NA  bp 0.76NA  bp
NPA Excl Restructured / AssetsNA0.84NA  bp 0.62NA  bp
NPAs & 90+ PD / AssetsNA1.08NA  bp 0.76NA  bp
NPAs / Loans & REONA1.47NA  bp 1.00NA  bp
Nonaccrual & 90+ & OREO / AssetsNA0.84NA  bp 0.62NA  bp
NPAs & 90+ PD / Loans & REONA1.47NA  bp 1.00NA  bp
NPA & Loans 90+ / Tangible Common Equity + LLRNA14.81NA  bp 9.89NA  bp
NCOs / Avg LoansNA0NA  bp 0NA  bp
Loan Loss Reserves / Gross LoansNA1.19NA  bp 1.12NA  bp
Reserves / NPAsNA81.23NA  bp 111.91NA  bp
Loan Loss Provision / NCONANMNA  bp NMNA  bp
Per Share Information ($)   
Common Shares Outstanding (actual) NA3,202,000NA3,247,000NA
Avg Diluted Shares (actual) 3,283,5823,244,0001.223,277,0000.80
Basic Book Value per ShareNA18.13NA20.59NA
As-reported Book Value per Share21.0518.1316.1120.598.94
Basic Tangible Book Value per ShareNA18.13NA20.59NA
Reported: Tangible Book Value21.0518.1316.1120.598.94
Common Dividends Declared per Share00000
EPS after Extra0.670.50340.5862.07
EPS after Extra Growth (%) 34.00(9.1)4,309  bp (7.9)4,194  bp
Core EPSNA0.50NA0.58NA
Core EPS Growth (%) NA(9.1)NA  bp (8.0)NA  bp
Diluted EPS before Amortization0.670.50340.5862.07
Pre-Provision Earnings per ShareNA0.54NA0.77NA
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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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