Financial Profile

Trend Analysis 

Balance Sheet (000s)

   12/31/13 12/31/12 12/31/11 12/31/10 12/31/09
Total Gross Loans  $812,009  $731,773 $600,583 $421,270 $362,483
Loan Loss Reserve 17,307 15,891 14,403 10,546 8,022
Total Assets  1,119,934  944,733 854,952 636,821 551,251
Total Deposits  935.477  746,167 674,107 472,738 427,647
Total Other Borrowings  42,733  54,720 46,892 62,135 44,986
Total Equity  131,462  126,709 118,048 94,942 64,532

 

Income Statement (000s)

  12/31/13 12/31/12 12/31/11 12/31/10 12/31/09
Net Interest Income  $36,144  $35,579 $29,880 $22,540 $13,332
Provision for Loan Losses  2,444  4,378 12,263 4,978 12,111
Noninterest Income 5,311 6,501 21,999 4,035 15,593
Noninterest Expense  24,404  23,154 23,685 16,129 13,960
Net Income Before Taxes  14,607  14,548 15,931 5,468 2,854
Provision for Taxes  5,290  5,466 4,387 1,948 (4,261)
Net Income  $9,317  $9,082 $11,544 $3,520 $524

 

Regulatory Capital Ratios

   12/31/13 12/31/12 12/31/11 12/31/10 12/31/09
Tier 1 Leverage Ratio  11.94%  12.84% 13.44% 15.45% 11.67%
Tier 1 Risk-Based Ratio  15.26%  16.15% 17.40% 20.83% 15.89%
Total Risk-Based Ratio  16.52%  17.41% 18.66% 22.10% 17.15%

 

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