Financial Highlights

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	870,541	839,173	3.74	858,435	5.64
Loans Held for Sale, before Reserves	0	0	0.00	0	0.00
Loan Loss Reserve	12,805	10,816	18.39	12,690	3.62
Net Loans Receivable	857,736	828,357	3.55	845,745	5.67
Intangible Assets	2,745	2,768	(0.83)	2,751	(0.87)
Total Assets	1,073,653	998,387	7.54	1,055,504	6.88
Deposits	936,672	831,289	12.68	922,331	6.22
Debt, Senior and Subordinated	67,833	100,144	(32.26)	67,836	(0.02)
Common Equity	55,055	51,739	6.41	53,509	11.56
Total Shareholders' Equity	55,055	51,739	6.41	53,509	11.56
Shares Outstanding (actual)	2,535,306	2,545,546	(0.40)	2,541,339	(0.95)

Income Statement ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Net Interest Income	7,333	6,517	12.52	6,845	28.52
Provision for Loan Losses	1,378	17	8,005.88	1,647	(65.33)
Noninterest Income	1,567	1,340	16.94	1,455	30.79
Noninterest Expense	5,528	5,815	(4.94)	5,772	(16.91)
Net Income Before Taxes	2,316	2,025	14.37	400	1,916.00
Provision for Taxes	963	853	12.90	140	2,351.43
Net Income	1,353	1,172	15.44	260	1,681.54

Per Share Items ($)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Book Value per Share	21.72	20.33	6.84	21.06	12.54
Tangible Book Value	20.63	19.24	7.25	19.97	13.21
Diluted EPS Before Extra	0.53	0.46	15.22	0.10	1,720.00
Diluted EPS After Extra	0.53	0.46	15.22	0.10	1,720.00
Dividends Declared	0.0700	0.0700	0.00	0.0700	0.00

Performance Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
ROAA	0.51	0.48	3	0.10	41
ROAE	9.88	9.14	74	1.91	797
Net Interest Margin	2.88	2.78	10	2.72	16
Loans / Deposits	92.94	100.95	(801)	93.07	(13)
Efficiency Ratio	59.88	65.97	(609)	69.63	(975)

Balance Sheet Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	4.88	4.92	(3)	4.82	6
Equity/ Assets	5.13	5.18	(5)	5.07	6
Asset Quality Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Nonperforming Assets/ Assets	2.26	1.09	117	2.24	2
Loan Loss Reserves/ Gross Loans	1.47	1.29	18	1.48	(1)
Loan Loss Reserves/ NPAs	52.70	98.97	(4,626)	53.56	(86)
Net Charge-offs/ Avg Loans	0.58	(0.04)	62	0.88	(30)

Regulatory Capital Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tier 1 Capital Ratio	6.62	6.52	10	6.52	10

^† 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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