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

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Balance Sheet ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	1,145,555	1,201,152	(4.63)	1,162,906	(5.97)
Loans Held for Sale, before Reserves	26,213	31,152	(15.85)	40,886	(143.55)
Loan Loss Reserve	20,176	12,466	61.85	16,718	82.74
Net Loans Receivable	1,151,592	1,219,838	(5.59)	1,187,074	(11.96)
Intangible Assets	2,006	2,006	0.00	2,006	0.00
Total Assets	6,381,046	5,914,666	7.89	6,950,304	(32.76)
Deposits	1,917,905	1,517,789	26.36	1,852,446	14.13
Debt, Senior and Subordinated	4,015,350	4,129,588	(2.77)	4,208,893	(18.39)
Common Equity	314,569	174,018	80.77	291,634	31.46
Total Shareholders' Equity	382,569	242,018	58.07	359,634	25.51
Shares Outstanding (actual)	24,232,301	24,293,432	(0.25)	24,229,755	0.04

Income Statement ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Net Interest Income	32,894	28,041	17.31	35,488	(29.24)
Provision for Loan Losses	4,400	1,950	125.64	3,650	82.19
Noninterest Income	(10,671)	1,344	NM	40,083	NM
Noninterest Expense	20,764	18,139	14.47	19,450	27.02
Net Income Before Taxes	24,328	(49,122)	NM	55,675	(225.21)
Provision for Taxes	3,001	(4,226)	NM	4,761	(147.87)
Net Income	21,327	(44,896)	NM	50,914	(232.45)

Per Share Items ($)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Book Value per Share	12.98	7.16	81.28	12.04	31.23
Tangible Book Value	12.90	7.08	82.23	11.96	31.45
Diluted EPS Before Extra	0.83	(1.89)	NM	2.04	(237.25)
Diluted EPS After Extra	0.83	(1.89)	NM	2.04	(237.25)
Dividends Declared	0.0400	0.1400	(71.43)	0.0400	0.00

Performance Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
ROAA	1.32	(2.99)	431	3.05	(173)
ROAE	22.99	(52.18)	7,517	59.99	(3,700)
Net Interest Margin	3.96	3.74	22	4.04	(8)
Loans / Deposits	59.73	79.14	(1,941)	62.78	(305)
Efficiency Ratio	50.82	52.65	(183)	51.43	(61)

Balance Sheet Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	5.97	4.06	191	5.15	82
Equity/ Assets	6.00	4.09	190	5.17	82
Asset Quality Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Nonperforming Assets/ Assets	1.59	1.30	29	1.43	16
Loan Loss Reserves/ Gross Loans	1.72	1.01	71	1.39	33
Loan Loss Reserves/ NPAs	36.61	30.35	626	33.76	285
Net Charge-offs/ Avg Loans	0.32	0.45	(13)	0.70	(37)

Regulatory Capital Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tier 1 Capital Ratio	15.81	15.93	(12)	14.62	119

^† 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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