Investor Information

	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	9,119	9,363	12,104	14,261
Fed Funds Sold	293	2,167	3,238	2,061
Deposits at Financial Institutions	8,497	25,681	9,073	14,102
Securities Purchased, to Resell	0	0	0	0
Other Cash & Cash Equivalents	0	0	0	0
Cash and Cash Equivalents	17,909	37,211	24,415	30,424
Trading Account Securities	0	0	0	0
Available for Sale Securities	280,069	277,248	281,103	325,396
Held to Maturity Securities	2,066	1,481	532	1,929
Other Securities	2,609	3,430	3,430	2,875
Total Cash & Securities	302,653	319,370	309,480	360,624

Liabilities ($000)
Total Deposits	511,769	570,436	584,499	658,498
FHLB Borrowings	8,500	5,500	0	0
Senior Debt	38,717	43,104	48,769	51,985
Trust Preferred (FAS 150)	15,465	15,465	15,465	15,465
Total Subordinated Debt	15,465	15,465	15,465	15,465
Redeemable Financial Instruments (FAS 150)	0	0	0	0
Total Debt	54,182	58,569	64,234	67,450
Memo: Consolidated VIE Liabilities	NA	NA	0	0
Total Other Liabilities	5,269	5,057	8,954	9,460
Total Liabilities	571,220	634,062	657,687	735,408

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	10,100	10,200	0	0
Other Preferred Equity	0	0	10,000	10,000
Total Preferred Equity	10,100	10,200	10,000	10,000
Common Equity	42,576	46,382	54,167	59,160
Equity Attributable to Parent Company	52,676	56,582	64,167	69,160
Noncontrolling Interests	0	0	0	0
Total Equity	52,676	56,582	64,167	69,160
Net Unrealized Gain	2,389	1,403	4,826	4,291

Balance Sheet Analysis (%)
Gross Loans HFI / Total Assets	46.86	48.88	52.00	50.56
Loans / Deposits	57.12	59.18	64.22	61.78
Loan Loss Reserves / Gross Loans	1.59	1.49	1.38	1.54
Reserves / Loans Held For Investment	1.59	1.49	1.38	1.54
One Year Gap / Assets	(44.13)	(38.80)	(37.05)	(36.44)
1-4 Loans Serviced for Others ($000)	109,771	133,763	148,959	178,384
Level 1 Assets ($000)	0	0	0	0
Level 2 Assets ($000)	280,093	277,076	281,103	325,396
Level 3 Assets ($000)	501	3,576	3,896	2,806
Level 1 Liabilities ($000)	NA	0	0	0
Level 2 Liabilities ($000)	NA	172	169	103
Level 3 Liabilities ($000)	NA	0	0	0
FTE Employees (actual)	181	189	201	222

Annualized Growth Rates (%)
Asset Growth	25.27	10.70	4.52	11.46
Gross Loans HFI Growth	1.36	15.47	11.21	8.37
Deposit Growth	27.67	11.46	2.47	12.66

Average Balances ($000)
Avg Gross Loans HFI	290,465	313,242	352,425	388,929
Avg Loans HFS	309	287	221	462
Average Loans, Gross of Reserves	290,774	313,529	352,646	389,391
Avg Securities	NA	NA	NA	302,223
Avg Other Int Earn Assets	NA	NA	NA	37,668
Avg Secs & Other Int Earn Assets	262,354	297,953	309,561	339,891
Avg Interest Earning Assets	553,127	611,482	662,207	729,282
Avg Assets	588,863	655,204	711,301	775,465


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