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Quarterly Information

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

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Balance Sheet ($000)
	2012Y	2011Y	2012/ 2011 Ch (%)	2010Y	2011/ 2010 Ch (%)
Loans Held for Investment, before Reserves	586,592	571,806	2.59	590,367	(3.14)
Loans Held for Sale, before Reserves	3,624	677	435.30	0	NM
Loan Loss Reserve	7,629	9,820	(22.31)	9,307	5.51
Net Loans Receivable	582,587	562,663	3.54	581,060	(3.17)
Intangible Assets	6,032	6,441	(6.35)	6,920	(6.92)
Total Assets	1,139,695	1,067,871	6.73	982,751	8.66
Deposits	919,009	840,125	9.39	761,050	10.39
Debt, Senior and Subordinated	90,309	109,351	(17.41)	130,367	(16.12)
Common Equity	120,792	114,445	5.55	88,048	29.98
Total Shareholders' Equity	120,792	114,445	5.55	88,048	29.98
Shares Outstanding (actual)	18,795,048	18,757,424	0.20	13,646,035	37.46

Income Statement ($000)
	2012Y	2011Y	2012/ 2011 Ch (%)	2010Y	2011/ 2010 Ch (%)
Net Interest Income	36,898	36,597	0.82	37,367	(2.06)
Provision for Loan Losses	725	3,650	(80.14)	8,078	(54.82)
Noninterest Income	11,519	10,700	7.65	9,735	9.91
Noninterest Expense	35,764	33,728	6.04	30,964	8.93
Net Income Before Taxes	12,987	11,758	10.45	11,535	1.93
Provision for Taxes	3,055	2,540	20.28	2,544	(0.16)
Net Income	9,932	9,218	7.75	8,991	2.52

Per Share Items ($)
	2012Y	2011Y	2012/ 2011 Ch (%)	2010Y	2011/ 2010 Ch (%)
Book Value per Share	6.43	6.10	5.33	6.45	(5.44)
Tangible Book Value	6.11	5.76	6.04	5.95	(3.15)
Diluted EPS Before Extra	0.53	0.50	6.00	0.66	(24.24)
Diluted EPS After Extra	0.53	0.50	6.00	0.66	(24.24)
Dividends Declared	0.1800	0.1200	50.00	0.1200	0.00

Performance Ratios (%)
	2012Y	2011Y	2012/ 2011 Ch (bp)	2010Y	2011/ 2010 Ch (bp)
ROAA	0.89	0.89	0	0.87	2
ROAE	8.42	8.76	(34)	10.46	(170)
Net Interest Margin	3.76	4.01	(25)	4.10	(9)
Loans / Deposits	63.83	68.06	(423)	77.57	(951)
Efficiency Ratio	69.94	67.14	280	61.10	604

Balance Sheet Ratios (%)
	2012Y	2011Y	2012/ 2011 Ch (bp)	2010Y	2011/ 2010 Ch (bp)
Tangible Equity/ Tangible Assets	10.12	10.18	(5)	8.31	186
Equity/ Assets	10.60	10.72	(12)	8.96	176

Asset Quality Ratios (%)
	2012Y	2011Y	2012/ 2011 Ch (bp)	2010Y	2011/ 2010 Ch (bp)
Nonperforming Assets/ Assets	0.75	1.09	(34)	0.96	13
Loan Loss Reserves/ Gross Loans	1.29	1.72	(42)	1.58	14
Loan Loss Reserves/ NPAs	48.88	62.86	(1,398)	74.26	(1,140)
Net Charge-offs/ Avg Loans	0.52	0.56	(4)	1.03	(47)

Regulatory Capital Ratios (%)
	2012Y	2011Y	2012/ 2011 Ch (bp)	2010Y	2011/ 2010 Ch (bp)
Tier 1 Capital Ratio	16.18	16.16	2	12.73	343


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