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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	2,141,491	2,034,752	5.25	2,079,593	11.91
Loans Held for Sale, before Reserves	30,036	17,058	76.08	37,778	(81.97)
Loan Loss Reserve	29,050	31,615	(8.11)	29,824	(10.38)
Net Loans Receivable	2,142,477	2,020,195	6.05	2,087,547	10.53
Intangible Assets	118,274	119,335	(0.89)	117,901	1.27
Total Assets	3,013,889	2,925,914	3.01	3,023,204	(1.23)
Deposits	2,476,005	2,401,917	3.08	2,484,324	(1.34)
Debt, Senior and Subordinated	88,843	88,847	0.00	88,756	0.39
Common Equity	428,753	417,920	2.59	431,642	(2.68)
Total Shareholders' Equity	428,753	417,920	2.59	431,642	(2.68)
Shares Outstanding (actual)	22,569,918	22,858,900	(1.26)	22,889,091	(5.58)

Income Statement ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Net Interest Income	24,199	23,896	1.27	24,203	(0.07)
Provision for Loan Losses	700	850	(17.65)	1,400	(200.00)
Noninterest Income	7,563	7,347	2.94	8,068	(25.04)
Noninterest Expense	22,584	22,852	(1.17)	22,845	(4.57)
Net Income Before Taxes	8,168	7,614	7.28	8,466	(14.08)
Provision for Taxes	2,257	2,114	6.76	2,245	2.14
Net Income	5,911	5,500	7.47	6,221	(19.93)

Per Share Items ($)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Book Value per Share	19.00	18.28	3.91	18.86	2.94
Tangible Book Value	13.76	13.06	5.31	13.71	1.44
Diluted EPS Before Extra	0.26	0.24	8.33	0.27	(14.81)
Diluted EPS After Extra	0.26	0.24	8.33	0.27	(14.81)
Dividends Declared	0.0800	0.0600	33.33	0.0800	0.00

Performance Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
ROAA	0.80	0.76	4	0.83	(3)
ROAE	5.56	5.30	26	5.74	(18)
Net Interest Margin	3.78	3.85	(7)	3.75	3
Loans / Deposits	86.49	84.71	178	83.71	278
Efficiency Ratio	69.19	68.78	41	66.95	224

Balance Sheet Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	10.72	10.64	8	10.80	(8)
Equity/ Assets	14.23	14.28	(6)	14.28	(5)

Asset Quality Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Nonperforming Assets/ Assets	1.26	1.52	(26)	1.39	(13)
Loan Loss Reserves/ Gross Loans	1.34	1.54	(20)	1.41	(7)
Loan Loss Reserves/ NPAs	49.28	43.21	607	45.96	332
Net Charge-offs/ Avg Loans	0.28	0.35	(8)	0.28	0

Regulatory Capital Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tier 1 Capital Ratio	15.22	15.47	(25)	15.61	(39)

^† 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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