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Financial Highlights
 2016 FQ3 YTD2015 FY2014 FY2013 FY2012 FY
Period Ended9/30/201612/31/201512/31/201412/31/201312/31/2012
Balance Sheet ($000)   
Total Assets2,753,1542,797,8602,627,1692,611,9032,633,984
Total Net Loans1,554,2781,489,9541,424,5231,376,5741,492,135
Total Deposits2,315,1072,302,8492,146,7942,136,2482,144,996
Equity Attributable to Parent Company276,624274,352272,540276,400246,889
Total Equity276,624274,352272,540276,400246,889
Profitability (%)   
Net Income ($000) 8,4509,1169,2606,045108
Net Income Attributable to Parent ($000) 8,4509,1169,2606,045108
ROAA0.410.340.360.240
Core ROAA0.330.300.360.260.01
ROAE4.053.313.272.400.04
ROATCE5.834.794.683.710.23
Core ROAE3.282.933.282.610.15
Net Interest Margin3.213.313.363.543.81
Reported: Net Interest Margin3.223.313.363.543.81
Efficiency Ratio84.7885.0083.8084.0680.73
Noninterest Inc / Operating Rev39.8840.7441.3141.7539.29
Balance Sheet Ratios (%)   
Loans / Deposits67.2864.8066.6765.0070.26
Securities / Assets25.1322.9019.3915.4611.43
Total Equity / Total Assets10.059.8110.3710.589.37
Tangible Equity / Tangible Assets7.196.997.387.586.35
Tang Common Equity / Tang Assets7.196.997.387.586.35
Asset Quality (%)   
NPAs / Assets2.052.333.694.976.27
NPA Excl Restructured / Assets0.781.062.003.264.47
NPAs & 90+ PD / Assets2.052.333.694.976.27
NPAs / Loans & REO3.574.286.558.9710.49
Nonaccrual & 90+ & OREO / Assets0.781.062.003.264.47
NPAs & 90+ PD / Loans & REO3.574.286.558.9710.49
NPA & Loans 90+ / Tangible Common Equity + LLR27.4432.0547.1960.4786.45
NCOs / Avg Loans0.050.350.530.661.16
Loan Loss Reserves / Gross Loans0.880.931.221.651.92
Reserves / NPAs24.3721.3918.1117.7917.66
Loan Loss Provision / NCO62.9430.7725.5336.3889.64
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 216,470215,075208,503195,338178,520
Tier 1 Capital ($000) 266,944275,075269,503256,338239,520
Tier 2 Capital ($000) 13,74413,953NANANA
Total Capital ($000) 280,688289,028287,042277,618262,377
Total Risk-weighted Assets ($000) 1,724,4151,675,2191,616,4101,547,7471,669,397
Tier 1 Common Capital (CET1) Ratio (%) 12.5512.8412.9012.6210.69
Tier 1 Ratio (%) 15.4816.4216.6716.5614.35
Total Capital Ratio (%) 16.2817.2517.7617.9415.72
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 10.1210.6510.9910.469.90
Supplementary Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 16,807,07817,156,91917,447,22317,360,96017,232,380
Avg Diluted Shares (actual) 17,100,00017,318,18417,488,02017,399,35517,219,765
Basic Book Value per Share16.4615.9915.6215.9214.33
As-reported Book Value per Share16.3915.9315.5315.8514.31
Basic Tangible Book Value per Share11.4111.0510.7611.039.39
Reported: Tangible Book Value11.3711.0010.7010.989.38
Common Dividends Declared per Share0.120.130.0900
EPS after Extra0.490.530.530.350.01
EPS after Extra Growth (%) 32.40051.40NM(96.6)
Core EPS0.400.470.530.380.04
Core EPS Growth (%) 27.60(11.7)39.60958.80(83.4)
Diluted EPS before Amortization0.490.530.530.360.05
Pre-Provision Earnings per Share0.400.510.480.450.90
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