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

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Balance Sheet ($000)
 2009 Q42008 Q4Y-Y
Ch (%)		2009 Q3Q-Q
Ch (%)†
Loans Held for Investment, before Reserves2,008,8842,232,332(10.01)2,063,398(10.57)
Loans Held for Sale, before Reserves01,964NM00.00
Loan Loss Reserve53,47842,74725.1051,68813.85
Net Loans Receivable1,955,4062,191,549(10.78)2,011,710(11.20)
Intangible Assets100,382101,427(1.03)100,631(0.99)
Total Assets3,200,9303,097,0793.353,167,0284.28
Deposits2,482,7052,382,1514.222,443,5676.41
Debt, Senior and Subordinated150,755250,804(39.89)151,704(2.50)
Common Equity453,838341,64232.84453,7630.07
Total Shareholders' Equity528,139415,38527.14527,9200.17
Shares Outstanding (actual)28,129,00018,151,00054.9728,099,0000.43
Income Statement ($000)
 2009 Q42008 Q4Y-Y
Ch (%)		2009 Q3Q-Q
Ch (%)†
Net Interest Income29,80029,3191.6429,1189.37
Provision for Loan Losses15,00013,25013.2116,500(36.36)
Noninterest Income7,4497,3940.747,19014.41
Noninterest Expense22,84722,2162.8423,146(5.17)
Net Income Before Taxes479590(18.81)(3,338)NM
Provision for Taxes(1,073)(1,224)(12.34)(1,836)(166.23)
Net Income1,5521,814(14.44)(1,502)NM
Per Share Items ($)
 2009 Q42008 Q4Y-Y
Ch (%)		2009 Q3Q-Q
Ch (%)†
Book Value per Share16.1318.82(14.29)16.15(0.50)
Tangible Book Value12.5613.23(5.07)12.57(0.19)
Diluted EPS Before Extra0.020.07(71.43)(0.11)NM
Diluted EPS After Extra0.020.07(71.43)(0.11)NM
Dividends Declared0.01000.0700(85.71)0.01000.00
Performance Ratios (%)
 2009 Q42008 Q4Y-Y
Ch (bp)		2009 Q3Q-Q
Ch (bp)
ROAA0.190.24(5)(0.19)38
ROAE1.171.97(80)(1.26)242
Net Interest Margin4.304.39(9)4.34(4)
Loans / Deposits80.9293.71(1,280)84.44(353)
Efficiency Ratio58.1257.625060.85(273)
Balance Sheet Ratios (%)
 2009 Q42008 Q4Y-Y
Ch (bp)		2009 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets13.8010.4833213.93(14)
Equity/ Assets16.5013.4130916.67(17)
Asset Quality Ratios (%)
 2009 Q42008 Q4Y-Y
Ch (bp)		2009 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets4.053.54514.70(65)
Loan Loss Reserves/ Gross Loans2.661.91752.5016
Loan Loss Reserves/ NPAs41.2938.9922934.72656
Net Charge-offs/ Avg Loans2.601.141462.62(3)
Regulatory Capital Ratios (%)
 2009 Q42008 Q4Y-Y
Ch (bp)		2009 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.99NA17.78NA
  † 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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