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Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	1,136,080	1,206,843	(5.86)	1,145,555	(3.31)
Loans Held for Sale, before Reserves	27,261	26,562	2.63	26,213	15.99
Loan Loss Reserve	23,272	14,293	62.82	20,176	61.38
Net Loans Receivable	1,140,069	1,219,112	(6.48)	1,151,592	(4.00)
Intangible Assets	2,006	2,006	0.00	2,006	0.00
Total Assets	6,550,833	6,205,536	5.56	6,381,046	10.64
Deposits	1,745,501	1,785,300	(2.23)	1,917,905	(35.96)
Debt, Senior and Subordinated	4,030,157	4,134,839	(2.53)	4,015,350	1.48
Common Equity	262,166	193,317	35.61	314,569	(66.63)
Total Shareholders' Equity	330,166	261,317	26.35	382,569	(54.79)
Shares Outstanding (actual)	24,235,000	24,297,132	(0.26)	24,232,301	0.04

Income Statement ($000)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Net Interest Income	31,887	29,776	7.09	32,894	(12.25)
Provision for Loan Losses	4,400	3,280	34.15	4,400	0.00
Noninterest Income	17,791	4,467	298.28	(10,671)	NM
Noninterest Expense	21,400	18,953	12.91	20,764	12.25
Net Income Before Taxes	(75,524)	37,172	NM	24,328	NM
Provision for Taxes	(1,479)	(3,240)	(54.35)	3,001	NM
Net Income	(74,045)	40,412	NM	21,327	NM

Per Share Items ($)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Book Value per Share	10.82	7.96	35.93	12.98	(66.56)
Tangible Book Value	10.74	7.88	36.30	12.90	(66.99)
Diluted EPS Before Extra	(3.09)	1.61	NM	0.83	NM
Diluted EPS After Extra	(3.09)	1.61	NM	0.83	NM
Dividends Declared	0.0400	0.1400	(71.43)	0.0400	0.00

Performance Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
ROAA	(4.49)	2.57	(706)	1.32	(581)
ROAE	(83.11)	64.23	(14,734)	22.99	(10,610)
Net Interest Margin	3.89	3.74	15	3.96	(7)
Loans / Deposits	65.09	67.60	(251)	59.73	536
Efficiency Ratio	53.02	51.49	153	50.82	220

Balance Sheet Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	5.01	4.18	83	5.97	(95)
Equity/ Assets	5.04	4.21	83	6.00	(96)
Asset Quality Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Nonperforming Assets/ Assets	1.74	1.40	34	1.59	15
Loan Loss Reserves/ Gross Loans	2.00	1.16	84	1.72	28
Loan Loss Reserves/ NPAs	NA	29.81	NA	36.61	NA
Net Charge-offs/ Avg Loans	0.45	0.47	(2)	0.32	13

Regulatory Capital Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Tier 1 Capital Ratio	18.79	17.11	168	15.81	298

^† Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

*	Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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