Balance Sheet

	2009 Y	2010 Y	2011 Y	2012 Y
Period Ended	12/31/2009	12/31/2010	12/31/2011	12/31/2012
Assets ($000)
Cash and Due from Banks	7,079	3,567	4,342	NA
Fed Funds Sold	0	0	0	0
Deposits at Financial Institutions	864	3,007	6,189	NA
Securities Purchased, to Resell	0	0	0	NA
Other Cash & Cash Equivalents	0	0	0	NA
Cash and Cash Equivalents	7,943	6,574	10,530	8,716
Trading Account Securities	0	0	0	0
Available for Sale Securities	66,812	100,634	146,858	156,240
Held to Maturity Securities	2,210	1,973	1,733	1,491
Other Securities	2,142	2,200	2,505	2,747
Total Cash & Securities	79,107	111,381	161,626	169,194

Liabilities ($000)
Total Deposits	310,498	310,121	343,062	385,887
FHLB Borrowings	7,594	19,000	20,000	10,000
Senior Debt	7,594	19,000	20,000	10,000
Trust Preferred (FAS 150)	8,248	8,248	8,248	8,248
Total Subordinated Debt	8,248	8,248	8,248	8,248
Redeemable Financial Instruments (FAS 150)	0	0	0	0
Total Debt	15,842	27,248	28,248	18,248
Memo: Consolidated VIE Liabilities	NA	NA	0	NA
Total Other Liabilities	2,634	2,711	3,883	4,216
Total Liabilities	328,974	340,080	375,193	408,351

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	515	0	0	0
Total Preferred Equity	515	0	0	0
Common Equity	27,963	29,189	32,428	36,810
Equity Attributable to Parent Company	28,478	29,189	32,428	36,810
Noncontrolling Interests	0	0	0	0
Total Equity	28,478	29,189	32,428	36,810
Net Unrealized Gain	(146)	(177)	592	1,780

Balance Sheet Analysis (%)
Gross Loans HFI / Total Assets	72.78	64.78	55.85	58.16
Loans / Deposits	83.79	77.14	66.36	67.10
Loan Loss Reserves / Gross Loans	1.82	2.10	1.90	1.60
Reserves / Loans Held For Investment	1.82	2.10	1.90	1.60
One Year Gap / Assets	NA	NA	NA	NA
1-4 Loans Serviced for Others ($000)	0	0	0	0
Level 1 Assets ($000)	0	7,201	6,551	NA
Level 2 Assets ($000)	80,552	102,399	147,228	NA
Level 3 Assets ($000)	4,910	1,162	933	NA
Level 1 Liabilities ($000)	NA	NA	NA	NA
Level 2 Liabilities ($000)	NA	NA	NA	NA
Level 3 Liabilities ($000)	NA	NA	NA	NA
FTE Employees (actual)	62	61	63	64

Annualized Growth Rates (%)
Asset Growth	1.03	3.31	10.39	9.21
Gross Loans HFI Growth	5.05	(8.05)	(4.83)	13.73
Deposit Growth	0.72	(0.12)	10.62	12.48

Average Balances ($000)
Avg Gross Loans HFI	259,387	247,700	234,454	235,804
Avg Loans HFS	0	0	0	0
Average Loans, Gross of Reserves	259,387	247,700	234,454	235,804
Avg Securities	66,685	90,846	119,009	151,345
Avg Other Int Earn Assets	1,556	8,432	6,096	6,012
Avg Secs & Other Int Earn Assets	68,241	99,278	125,105	157,357
Avg Interest Earning Assets	327,628	346,978	359,559	393,161
Avg Assets	356,025	368,901	391,084	424,760


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Bank of Sacramento

Balance Sheet