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

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Balance Sheet ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	479,255	459,223	4.36	465,773	11.58
Loans Held for Sale, before Reserves	785	2,724	(71.18)	1,917	(236.20)
Loan Loss Reserve	6,635	5,589	18.72	6,581	3.28
Net Loans Receivable	473,405	456,358	3.74	461,109	10.67
Intangible Assets	510	615	(17.07)	536	(19.40)
Total Assets	677,782	631,749	7.29	671,523	3.73
Deposits	582,561	502,132	16.02	574,311	5.75
Debt, Senior and Subordinated	22,900	64,106	(64.28)	25,894	(46.25)
Common Equity	67,793	61,161	10.84	66,196	9.65
Total Shareholders' Equity	67,793	61,161	10.84	66,196	9.65
Shares Outstanding (actual)	3,084,706	3,118,806	(1.09)	3,084,256	0.06

Income Statement ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Net Interest Income	5,786	5,657	2.28	5,676	7.75
Provision for Loan Losses	165	645	(74.42)	330	(200.00)
Noninterest Income	1,245	587	112.10	1,344	(29.46)
Noninterest Expense	3,971	3,322	19.54	3,995	(2.40)
Net Income Before Taxes	2,895	2,934	(1.33)	2,695	29.68
Provision for Taxes	615	514	19.65	519	73.99
Net Income	2,280	2,420	(5.79)	2,176	19.12

Per Share Items ($)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Book Value per Share	21.98	19.61	12.07	21.46	9.59
Tangible Book Value	21.81	19.41	12.36	21.29	9.83
Diluted EPS Before Extra	0.74	0.78	(5.13)	0.70	22.86
Diluted EPS After Extra	0.74	0.78	(5.13)	0.70	22.86
Dividends Declared	0.2300	0.2100	9.52	0.2200	18.18

Performance Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
ROAA	1.40	1.56	(16)	1.13	27
ROAE	14.26	16.70	(244)	13.51	75
Net Interest Margin	3.95	4.10	(15)	3.79	16
Loans / Deposits	82.27	91.45	(919)	81.10	117
Efficiency Ratio	56.35	48.08	827	54.77	158

Balance Sheet Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	9.93	9.59	34	9.79	15
Equity/ Assets	10.00	9.68	32	9.86	14

Asset Quality Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Nonperforming Assets/ Assets	1.73	1.45	28	1.72	1
Loan Loss Reserves/ Gross Loans	1.38	1.21	17	1.41	(2)
Loan Loss Reserves/ NPAs	56.56	60.98	(442)	56.84	(28)
Net Charge-offs/ Avg Loans	0.09	0.36	(26)	0.04	6

Regulatory Capital Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tier 1 Capital Ratio	NA	11.60	NA	12.11	NA

^† 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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