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Financial Highlights

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	615,904	556,630	10.65	599,110	11.21
Loans Held for Sale, before Reserves	0	0	0.00	0	0.00
Loan Loss Reserve	4,053	3,787	7.02	3,965	8.88
Net Loans Receivable	611,851	552,843	10.67	595,145	11.23
Intangible Assets	4,148	4,858	(14.62)	4,325	(16.37)
Total Assets	868,986	809,692	7.32	861,856	3.31
Deposits	748,502	686,648	9.01	735,458	7.09
Debt, Senior and Subordinated	37,677	46,766	(19.44)	44,098	(58.24)
Common Equity	74,708	69,475	7.53	74,862	(0.82)
Total Shareholders' Equity	75,087	69,912	7.40	75,253	(0.88)
Shares Outstanding (actual)	6,853,814	6,828,452	0.37	6,845,432	0.49

Income Statement ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Net Interest Income	7,847	7,762	1.10	8,402	(26.42)
Provision for Loan Losses	200	375	(46.67)	400	(200.00)
Noninterest Income	717	687	4.37	642	46.73
Noninterest Expense	6,839	5,689	20.21	6,191	41.87
Net Income Before Taxes	1,795	2,580	(30.43)	1,691	24.60
Provision for Taxes	522	844	(38.15)	(19)	NM
Net Income	1,273	1,736	(26.67)	1,709	(102.05)

Per Share Items ($)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Book Value per Share	10.90	10.17	7.13	10.94	(1.31)
Tangible Book Value	10.29	9.46	8.79	10.30	(0.36)
Diluted EPS Before Extra	0.19	0.26	(26.92)	0.25	(96.00)
Diluted EPS After Extra	0.19	0.26	(26.92)	0.25	(96.00)
Dividends Declared	0.0400	0.0400	0.00	0.0400	0.00

Performance Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
ROAA	0.61	0.88	(27)	0.79	(18)
ROAE	7.26	10.89	(363)	9.76	(250)
Net Interest Margin	4.36	4.51	(15)	4.55	(19)
Loans / Deposits	82.28	81.06	122	81.46	82
Efficiency Ratio	70.92	62.85	806	57.28	1,364

Balance Sheet Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	8.20	8.08	12	8.27	(7)
Equity/ Assets	8.64	8.63	1	8.73	(9)

Asset Quality Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Nonperforming Assets/ Assets	0.94	1.32	(38)	1.12	(18)
Loan Loss Reserves/ Gross Loans	0.66	0.68	(2)	0.66	0
Loan Loss Reserves/ NPAs	43.26	32.93	1,032	36.63	662
Net Charge-offs/ Avg Loans	0.07	0.24	(17)	0.63	(56)

Regulatory Capital Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tier 1 Capital Ratio	NA	10.67	NA	10.80	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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