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	24,825	NA	NA	14,439
Fed Funds Sold	0	0	0	0
Deposits at Financial Institutions	0	NA	NA	4,705
Securities Purchased, to Resell	0	0	0	0
Other Cash & Cash Equivalents	0	NA	NA	0
Cash and Cash Equivalents	24,825	30,418	14,846	19,144
Trading Account Securities	0	0	0	254
Available for Sale Securities	105,083	132,762	111,978	98,702
Held to Maturity Securities	0	0	0	0
Other Securities	3,748	4,300	4,260	4,341
Total Cash & Securities	133,656	167,480	131,084	122,441

Liabilities ($000)
Total Deposits	491,242	515,678	518,765	527,001
FHLB Borrowings	35,267	22,807	12,776	21,000
Senior Debt	89,456	71,883	34,343	33,035
Trust Preferred (FAS 150)	20,620	20,620	20,620	20,620
Total Subordinated Debt	20,620	20,620	20,620	20,620
Redeemable Financial Instruments (FAS 150)	0	0	0	0
Total Debt	110,076	92,503	54,963	53,655
Memo: Consolidated VIE Liabilities	NA	NA	0	0
Total Other Liabilities	10,023	6,083	7,005	4,294
Total Liabilities	611,341	614,264	580,732	584,950

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	61,708	46,024	47,932	53,284
Equity Attributable to Parent Company	61,708	46,024	47,932	53,284
Noncontrolling Interests	0	0	0	0
Total Equity	61,708	46,024	47,932	53,284
Net Unrealized Gain	1,307	1,188	1,343	1,830

Balance Sheet Analysis (%)
Gross Loans HFI / Total Assets	67.24	64.75	70.40	72.60
Loans / Deposits	92.13	82.91	85.31	87.93
Loan Loss Reserves / Gross Loans	1.50	1.54	1.46	1.45
Reserves / Loans Held For Investment	1.55	1.57	1.48	1.47
One Year Gap / Assets	(4.76)	(6.28)	(5.31)	2.15
1-4 Loans Serviced for Others ($000)	208,276	328,435	402,062	528,086
Level 1 Assets ($000)	8,333	2,162	2,040	2,155
Level 2 Assets ($000)	96,750	130,600	109,938	96,801
Level 3 Assets ($000)	11,425	11,442	9,431	5,844
Level 1 Liabilities ($000)	0	0	0	0
Level 2 Liabilities ($000)	NA	0	0	254
Level 3 Liabilities ($000)	NA	0	0	0
FTE Employees (actual)	315	242	208	200

Annualized Growth Rates (%)
Asset Growth	2.35	(1.90)	(4.79)	1.52
Gross Loans HFI Growth	0.54	(5.53)	3.51	4.71
Deposit Growth	1.45	4.97	0.60	1.59

Average Balances ($000)
Avg Gross Loans HFI	443,446	432,160	433,423	449,956
Avg Loans HFS	10,341	14,192	7,593	9,814
Average Loans, Gross of Reserves	453,787	448,209	438,383	455,516
Avg Securities	116,206	116,347	119,420	105,342
Avg Other Int Earn Assets	77	0	219	0
Avg Secs & Other Int Earn Assets	116,283	116,347	119,639	105,342
Avg Interest Earning Assets	570,070	564,556	558,022	560,858
Avg Assets	667,470	673,781	643,528	638,035


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