Financial Profile

Trend Analysis 

Balance Sheet (000s)

   12/31/12 12/31/11 12/31/10 12/31/09 12/31/08
Total Gross Loans  $732,898 $600,583 $421,270 $362,483 $275,792
Loan Loss Reserve 17,016 14,403 10,546 8,022 2,761
Total Assets  944,822 854,952 636,821 551,251 344,585
Total Deposits  746,314 674,107 472,738 427,647 236,860
Total Other Borrowings  54,720 46,892 62,135 44,986 61,594
Total Equity  126,709 118,048 94,942 64,532 42,939

 

Income Statement (000s)

  12/31/12 12/31/11 12/31/10 12/31/09 12/31/08
Net Interest Income  $35,578 $29,880 $22,540 $13,332 $9,912
Provision for Loan Losses  4,378 12,263 4,978 12,111 1,904
Noninterest Income 6,502 21,999 4,035 15,593 2,048
Noninterest Expense  23,154 23,685 16,129 13,960 9,278
Net Income Before Taxes  14,548 15,931 5,468 2,854 778
Provision for Taxes  5,466 4,387 1,948 (4,261) 206
Net Income  $9,082 $11,544 $3,520 $524 $572

 

Regulatory Capital Ratios

   12/31/12 12/31/11 12/31/10 12/31/09 12/31/08
Tier 1 Leverage Ratio  12.84% 13.44% 15.45% 11.67% 13.17%
Tier 1 Risk-Based Ratio  16.15% 17.40% 20.83% 15.89% 14.25%
Total Risk-Based Ratio  17.41% 18.66% 22.10% 17.15% 15.18%

 

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