Financial Statistics



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Balance Sheet
($ in millions)		 2013 Q1 2012 Q4 Q - Q
% CH		 2013 Q1 2012 Q1 Y -Y
CH (%)
Loans Held for Investment 402.03 396.50 1.40 402.03 409.64 -1.86
Loans Held for Sale 0.00 0.00 N/A 0.00 0.00 N/A
Loan Loss Reserve 7.12 6.84 4.17 7.12 6.14 15.97
Net Loans Receivable 394.91 389.66 1.35 394.91 403.49 -2.13
Intangible Assets 0.16 0.18 -9.94 0.16 0.10 66.33
Total Assets 641.78 639.57 0.35 641.78 624.96 2.69
Total Deposits 537.54 530.42 1.34 537.54 515.06 4.36
Total Borrowings 41.66 46.86 -11.11 41.66 52.61 -20.81
Common Equity 0.00 0.00 N/A 0.00 0.00 N/A
Total Shareholders' Equity 57.66 56.71 1.68 57.66 52.43 9.96
Shares Outstanding 2.73 2.72 0.21 2.73 2.70 0.86
 
Income Statement ($)
($ in millions)		 2013 Q1 2012 Q4 Q - Q
% CH		 2013 Q1 2012 Q1 Y -Y
CH (%)
Net Interest Income 4.97 5.32 -6.50 4.97 5.37 -7.34
Provision for Loan Losses 0.18 0.18 0.00 0.18 0.43 -57.65
Noninterest Income 1.14 1.41 -19.03 1.14 0.91 25.97
Noninterest Expense 4.39 4.89 -10.23 4.39 4.30 2.05
Net Income Before Taxes 1.61 1.84 -12.68 1.61 1.55 3.68
Provision for Taxes 0.43 0.52 -16.83 0.43 0.45 -3.59
Net Income 1.18 1.32 -11.05 1.18 1.10 6.62
 
Per Share Items ($) 2013 Q1 2012 Q4 Q - Q
% CH		 2013 Q1 2012 Q1 Y -Y
CH (%)
Book Value per Share 16.39 16.08 1.96 16.39 14.61 12.23
Tangible Book Value 16.33 16.01 2.01 16.33 14.57 12.10
Diluted EPS Before Extra 0.43 0.00 N/A 0.43 0.40 7.50
Dividends Declared N/A N/A N/A N/A N/A N/A
 
Performance Ratio (%) 2013 Q1 2012 Q4 Q - Q
% CH		 2013 Q1 2012 Q1 Y -Y
CH (%)
ROAA 0.73 0.83 -12.05 0.73 0.72 1.39
ROAE 8.22 9.40 -12.55 8.22 8.52 -3.52
Net Interest Margin 3.30 3.59 -8.08 3.30 3.80 -13.16
Loans / Deposits 74.79 74.75 0.05 74.79 79.53 -5.96
Efficiency Ratio 71.77 72.65 -1.21 71.77 68.55 4.70
 
Balance Sheet Ratio (%) 2013 Q1 2012 Q4 Q - Q
% CH		 2013 Q1 2012 Q1 Y -Y
CH (%)
Tangible Equity/ Tangible Assets 8.96 8.84 1.36 8.96 8.38 6.92
Equity/ Assets 8.98 8.87 1.24 8.98 8.39 7.03
 
Asset Quality Ratio (%) 2013 Q1 2012 Q4 Q - Q
% CH		 2013 Q1 2012 Q1 Y -Y
CH (%)
Nonperforming Assets/ Assets 2.72 1.82 49.45 2.72 1.79 51.96
Loan Loss Reserves/ Gross Loans 1.77 1.72 2.91 1.77 1.50 18.00
Loan Loss Reserves/ NPAs 40.74 58.59 -30.47 40.74 54.92 -25.82
Net Charge-offs/ Avg Loans -0.11 -0.10 10.00 -0.11 0.44 -125.00

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