Financial Highlights

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	2013 FQ1 YTD	2012 FY	2011 FY	2010 FY	2009 FY
Period Ended	3/31/2013	12/31/2012	12/31/2011	12/31/2010	12/31/2009
Balance Sheet ($000)
Total Assets	1,515,503	1,498,762	1,485,299	1,458,343	1,482,356
Total Net Loans	943,492	945,343	963,239	1,011,544	1,103,071
Total Deposits	1,256,878	1,241,401	1,220,542	1,183,783	1,149,063
Equity Attributable to Parent Company	149,367	147,058	155,377	148,428	146,880
Total Equity	149,367	147,058	155,377	148,428	146,880
Profitability (%)
Net Income ($000)	2,863	10,534	5,623	3,763	2,691
Net Income Attributable to Parent ($000)	2,863	10,534	5,623	3,763	2,691
ROAA	0.76	0.70	0.38	0.25	0.19
Core ROAA	0.77	0.75	0.41	0.29	0.19
ROAE	7.77	7.00	3.75	2.56	1.86
ROATCE	11.47	10.73	5.50	3.42	2.33
Core ROAE	7.86	7.44	4.07	2.91	1.88
Net Interest Margin	3.79	3.99	4.06	3.87	3.82
Reported: Net Interest Margin	3.83	3.99	4.06	3.87	3.82
Efficiency Ratio	64.29	61.76	61.02	63.03	65.78
Noninterest Inc / Operating Rev	17.94	18.60	15.08	18.68	22.16
Balance Sheet Ratios/ Capital (%)
Loans / Deposits	76.48	77.64	80.61	87.15	97.61
Securities / Assets	24.30	24.08	23.53	18.17	10.70
Total Equity / Total Assets	9.86	9.81	10.46	10.18	9.91
Tangible Equity / Tangible Assets	7.64	7.56	8.18	7.80	7.51
Tang Common Equity / Tang Assets	6.50	6.41	5.91	5.49	5.24
Tier 1 Common Capital Ratio	NA	9.27	8.34	7.79	6.77
Tier 1 Ratio	15.09	14.73	15.29	14.68	13.00
Risk-based Capital Ratio	16.35	15.99	16.55	15.94	14.21
Leverage Ratio (Bank, BHC Only)	9.82	9.71	10.30	10.02	10.05
Asset Quality (%)
NPAs / Assets	2.46	2.62	3.17	3.08	3.04
NPA Excl Restructured / Assets	1.08	1.24	1.90	2.38	2.57
NPAs & 90+ PD / Assets	2.47	2.63	3.20	3.12	3.26
NPAs / Loans & REO	3.85	4.05	4.76	4.31	4.00
Nonaccrual & 90+ & OREO / Assets	1.09	1.24	1.93	2.42	2.79
NPAs & 90+ PD / Loans & REO	3.86	4.06	4.81	4.36	4.28
NPA & Loans 90+ / Tangible Common Equity + LLR	31.96	34.21	44.60	45.71	51.00
NCOs / Avg Loans	0.73	0.77	1.40	1.05	0.91
Loan Loss Reserves / Gross Loans	2.16	2.21	2.14	2.07	1.70
Reserves / NPAs	55.88	54.28	44.59	47.79	42.35
Loan Loss Provision / NCO	72.20	104.36	97.00	121.01	144.53
Per Share Information ($)
Common Shares Outstanding (actual)	8,032,660	8,001,903	7,892,486	7,803,816	7,730,241
Avg Diluted Shares (actual)	8,063,604	7,957,000	7,845,000	7,768,000	7,659,000
Basic Book Value per Share	16.49	16.26	15.53	14.82	14.77
As-reported Book Value per Share	16.49	16.24	15.53	14.82	14.77
Basic Tangible Book Value per Share	11.96	11.71	10.85	10.00	9.79
Reported: Tangible Book Value	11.96	11.71	10.85	10.00	9.79
Common Dividends Declared per Share	0.06	0.29	0.04	0.08	0.40
EPS after Extra	0.33	1.16	0.50	0.27	0.15
EPS after Extra Growth (%)	32.00	132.00	85.20	80.00	50.00
Core EPS	0.33	1.24	0.56	0.34	0.15
Core EPS Growth (%)	28.20	121.70	66.50	119.30	(78.1)
Diluted EPS before Amortization	0.34	1.22	0.59	0.37	0.27
Pre-Provision Earnings Per Share	0.40	1.71	1.50	1.35	1.28

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Financial Highlights