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

For the definition of a financial field, click on the field name.

Balance Sheet ($000)
	2009Y	2008Y	2009/ 2008 Ch (%)	2007Y	2008/ 2007 Ch (%)
Loans Held for Investment, before Reserves	1,293,432	1,139,348	13.52	1,039,684	9.59
Loans Held for Sale, before Reserves	179,469	157,009	14.30	170,487	(7.91)
Loan Loss Reserve	18,636	14,518	28.36	11,641	24.71
Net Loans Receivable	1,454,265	1,281,839	13.45	1,198,530	6.95
Intangible Assets	13,935	14,173	(1.68)	17,239	(17.79)
Total Assets	1,976,185	1,743,757	13.33	1,690,031	3.18
Deposits	1,297,005	1,179,844	9.93	1,096,925	7.56
Debt, Senior and Subordinated	427,579	367,198	16.44	400,060	(8.21)
Common Equity	204,507	158,006	29.43	159,463	(0.91)
Total Shareholders' Equity	204,507	158,006	29.43	159,463	(0.91)
Shares Outstanding (actual)	28,718,000	24,013,663	19.59	24,201,561	(0.78)

Income Statement ($000)
	2009Y	2008Y	2009/ 2008 Ch (%)	2007Y	2008/ 2007 Ch (%)
Net Interest Income	50,542	42,973	17.61	40,319	6.58
Provision for Loan Losses	6,750	5,498	22.77	2,548	115.78
Noninterest Income	23,348	16,709	39.73	19,397	(13.86)
Noninterest Expense	51,577	51,505	0.14	51,884	(0.73)
Net Income Before Taxes	14,713	(626)	NM	5,367	NM
Provision for Taxes	4,388	(912)	NM	885	NM
Net Income	10,325	286	3,510.14	4,482	(93.62)

Per Share Items ($)
	2009Y	2008Y	2009/ 2008 Ch (%)	2007Y	2008/ 2007 Ch (%)
Book Value per Share	7.12	6.58	8.21	6.59	(0.15)
Tangible Book Value	6.63	5.99	10.77	5.88	1.91
Diluted EPS Before Extra	0.37	0.01	3,600.00	0.18	(94.44)
Diluted EPS After Extra	0.37	0.01	3,600.00	0.18	(94.44)
Dividends Declared	0.0400	0.0400	0.00	0.0400	0.00

Performance Ratios (%)
	2009Y	2008Y	2009/ 2008 Ch (bp)	2007Y	2008/ 2007 Ch (bp)
ROAA	0.57	0.02	55	0.27	(25)
ROAE	5.53	0.18	535	2.85	(267)
Net Interest Margin	2.94	2.78	16	2.63	15
Loans / Deposits	99.72	96.57	316	94.78	179
Efficiency Ratio	70.95	82.03	(1,108)	81.02	101

Balance Sheet Ratios (%)
	2009Y	2008Y	2009/ 2008 Ch (bp)	2007Y	2008/ 2007 Ch (bp)
Tangible Equity/ Tangible Assets	9.71	8.32	140	8.50	(19)
Equity/ Assets	10.35	9.06	129	9.44	(37)

Asset Quality Ratios (%)
	2009Y	2008Y	2009/ 2008 Ch (bp)	2007Y	2008/ 2007 Ch (bp)
Nonperforming Assets/ Assets	0.29	0.27	1	0.00	27
Loan Loss Reserves/ Gross Loans	1.27	1.12	15	0.96	16
Loan Loss Reserves/ NPAs	327.69	302.96	2,473	NM	NM
Net Charge-offs/ Avg Loans	0.19	0.22	(3)	0.05	17

Regulatory Capital Ratios (%)
	2009Y	2008Y	2009/ 2008 Ch (bp)	2007Y	2008/ 2007 Ch (bp)
Tier 1 Capital Ratio	12.97	11.67	130	12.10	(43)


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