| | 2005 Y
| 2006 Y
| 2007 Y
| 2008 Y
| | Period Ended | 12/31/2005 | 12/31/2006 | 12/31/2007 | 12/31/2008 | | Assets ($000) | | Cash and Due from Banks | 18,445 | 15,403 | 13,315 | 9,960 | | Fed Funds Sold | 3,235 | 11,238 | 313 | 117 | | Deposits at Financial Institutions | 2,302 | 1,249 | 1,066 | 1,080 | | Securities Purchased, to Resell | NA | 0 | 9,165 | 8,462 | | Other Cash & Cash Equivalents | NA | NA | NA | 19 | | Cash and Cash Equivalents | 23,982 | 27,890 | 23,859 | 19,638 | | Trading Account Secs | 0 | 0 | 26,520 | 19,603 | | Available for Sale Secs | 112,329 | 113,763 | 92,266 | 103,274 | | Held to Maturity Secs | 0 | 0 | 0 | 0 | | Other Secs | 5,940 | 4,085 | 4,085 | 4,085 | | Total Cash & Securities | 142,251 | 145,738 | 146,730 | 146,600 | | Gross Loans Held for Investment | 255,854 | 268,499 | 293,475 | 325,281 | | Loan Loss Reserve | 2,364 | 2,291 | 2,411 | 2,970 | | Loans Held for Sale, before Reserves | 1,797 | 2,408 | 1,465 | 4,047 | | Total Net Loans | 255,287 | 268,616 | 292,529 | 326,358 | | Real Estate Owned and Held for Investment | 0 | 159 | 264 | 479 | | Goodwill | 5,037 | 5,037 | 5,037 | 5,037 | | Core Deposit Intangibles | NA | NA | NA | NA | | Other Intangibles | NA | NA | NA | NA | | Intangible Assets other than Goodwill | 1,653 | 1,638 | 1,599 | 1,702 | | Total Intangible Assets | 6,690 | 6,675 | 6,636 | 6,739 | | Loan Servicing Rights | 35 | 337 | 614 | 980 | | Credit Card Rights | 0 | 0 | 0 | 0 | | Other Loan Servicing Rights | 0 | 0 | 0 | 0 | | Total Servicing Rights | 35 | 337 | 614 | 980 | | Total Other Assets | 18,725 | 17,993 | 17,900 | 19,285 | | Total Assets | 422,988 | 439,518 | 464,673 | 500,441 | | | | Liabilities ($000) | | Total Deposits | 305,643 | 312,001 | 331,239 | 376,995 | | FHLB Borrowings | NA | 44,504 | 59,416 | 69,535 | | Senior Debt | 80,343 | 88,284 | 100,931 | 88,369 | | Trust Preferred (FAS 150) | 11,341 | 11,341 | 5,158 | 5,158 | | Total Subordinated Debt | 11,341 | 11,341 | 5,158 | 5,158 | | Redeemable Financial Instruments (FAS 150) | 0 | 0 | 0 | 0 | | Total Debt | 91,684 | 99,625 | 106,089 | 93,527 | | Total Other Liabilities | 3,414 | 3,684 | 2,852 | 3,569 | | Total Liabilities | 400,741 | 415,310 | 440,180 | 474,091 | | | | Mezzanine ($000) | | Redeemable Preferred | 0 | 0 | 0 | 0 | | Trust Preferred Securities | 0 | 0 | 0 | 0 | | Total Minority Interest | 0 | 0 | 0 | 0 | | Other Mezzanine Items | 0 | 0 | 0 | 0 | | Total Mezzanine Level Items | 0 | 0 | 0 | 0 | | | | Equity ($000) | | TARP Preferred Equity | 0 | 0 | 0 | 0 | | Other Preferred Equity | 0 | 0 | 0 | 0 | | Total Preferred Equity | 0 | 0 | 0 | 0 | | Common Equity | 22,247 | 24,208 | 24,493 | 26,350 | | Equity Attributable to Parent Company | 22,247 | 24,208 | 24,493 | 26,350 | | Noncontrolling Interests | 0 | 0 | 0 | 0 | | Equity | 22,247 | 24,208 | 24,493 | 26,350 | | Net Unrealized Gain |
(888)
| NA | NA | NA | | Tot Acc Other Comprehensive Inc |
(837)
|
(516)
|
(657)
|
(377)
| | | | Balance Sheet Analysis (%) | | Gross Loans HFI /
Total Assets | 60.49 | 61.09 | 63.16 | 65.00 | | Loans /
Deposits | 83.71 | 86.06 | 88.60 | 86.28 | | Loan Loss Reserves /
Gross Loans | 0.92 | 0.85 | 0.82 | 0.90 | | One Year Gap /
Assets | NA | NA | NA | NA | | 1-4 Loans Serviced for Others ($000) | 6,018 | 37,097 | 69,240 | 113,475 | | Level 1 Assets | NA | NA | NA | NA | | Level 2 Assets | NA | NA | NA | NA | | Level 3 Assets | NA | NA | NA | NA | | Level 1 Liabilities | NA | NA | NA | NA | | Level 2 Liabilities | NA | NA | NA | NA | | Level 3 Liabilities | NA | NA | NA | NA | | FTE Employees (actual) | 141 | 135 | 142 | 140 | | | | Annualized Growth Rates (%) | | Asset Growth |
(0.69)
| 3.91 | 5.72 | 7.70 | | Gross Loans HFI Growth | 8.84 | 4.94 | 9.30 | 10.84 | | Deposit Growth | 1.67 | 2.08 | 6.17 | 13.81 | | | | Average Balances ($000) | | Avg Gross Loans HFI | 241,388 | 266,807 | 277,972 | 303,692 | | Avg Loans HFS | 1,619 | 1,545 | 1,937 | 2,756 | | Average Loans, Gross of Reserves | 243,007 | 268,352 | 279,909 | 306,448 | | Average Securities | 127,815 | 118,406 | 113,608 | 122,686 | | Avg Other Int Earn Assets | 6,173 | 6,695 | 17,831 | 14,536 | | Avg Secs & Other Int Earn Assets | 133,988 | 125,101 | 131,439 | 137,222 | | Avg Interest Earning Assets | 376,995 | 393,453 | 411,348 | 443,670 | | Avg Assets | 414,627 | 432,089 | 448,845 | 479,549 | | Avg CDs | 118,705 | 122,923 | 127,515 | 122,604 | | Avg Other Interest-bearing Deposits | 123,301 | 126,201 | 154,892 | 185,013 | | Avg Interest-bearing Deposits | 242,006 | 249,124 | 282,407 | 307,617 | | Avg Debt | 95,351 | 103,530 | 90,049 | 95,453 | | Avg Interest-bearing Liabs | 337,357 | 352,654 | 372,456 | 403,070 | | Avg Noninterest Bearing Deposits | 50,786 | 53,739 | 48,669 | 49,189 | | Avg Total Deposits | 292,792 | 302,863 | 331,076 | 356,806 | | Avg Preferred Equity | 0 | 0 | 0 | 0 | | Avg Common Equity | 23,337 | 22,545 | 24,509 | 24,483 | | Avg Equity | 23,337 | 22,545 | 24,509 | 24,483 | | |
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