Financial Profile

Trend Analysis

Balance Sheet (000s)

12/31/14  12/31/13 12/31/12 12/31/11 12/31/10 12/31/09
Total Gross Loans  $1,308,747 $812,009 $731,773 $600,583 $421,270 $362,483
Loan Loss Reserve  16,629 17,307 15,891 14,403 10,546 8,022
Total Assets  1,723,618 1,119,934 944,733 854,952 636,821 551,251
Total Deposits  1,452,702 935.477 746,167 674,107 472,738 427,647
Total Other Borrowings  56,297 42,733 54,720 46,892 62,135 44,986
Total Equity  201,115 131,462 126,709 118,048 94,942 64,532

Income Statement (000s)

12/31/14  12/31/13 12/31/12 12/31/11 12/31/10 12/31/09
Net Interest Income $55,208  $36,144 $35,579 $29,880 $22,540 $13,332
Provision for Loan Losses  (1,050) 2,444 4,378 12,263 4,978 12,111
Noninterest Income  4,636 5,311 6,501 21,999 4,035 15,593
Noninterest Expense  41,279 24,404 23,154 23,685 16,129 13,960
Net Income Before Taxes  19,615 14,607 14,548 15,931 5,468 2,854
Provision for Taxes  6,833 5,290 5,466 4,387 1,948 (4,261)
Net Income  12,782 $9,317 $9,082 $11,544 $3,520 $524

Regulatory Capital Ratios

12/31/14   12/31/13 12/31/12 12/31/11 12/31/10 12/31/09
Tier 1 Leverage Ratio  10.97% 11.94% 12.84% 13.44% 15.45% 11.67%
Tier 1 Risk-Based Ratio  13.03% 15.26% 16.15% 17.40% 20.83% 15.89%
Total Risk-Based Ratio  14.21% 16.52% 17.41% 18.66% 22.10% 17.15%

.