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Financial Charting

	2013 FQ1 YTD	2012 FY	2011 FY	2010 FY	2009 FY
Period Ended	3/31/2013	12/31/2012	12/31/2011	12/31/2010	12/31/2009
Balance Sheet ($000)
Total Assets	641,300	638,234	628,664	660,288	673,049
Total Net Loans	457,011	462,725	441,263	429,884	462,385
Total Deposits	532,259	527,001	518,765	515,678	491,242
Equity Attributable to Parent Company	54,295	53,284	47,932	46,024	61,708
Total Equity	54,295	53,284	47,932	46,024	61,708
Profitability (%)
Net Income ($000)	1,318	4,814	1,664	(15,613)	382
Net Income Attributable to Parent ($000)	1,318	4,814	1,664	(15,613)	382
ROAA	0.83	0.75	0.26	(2.32)	0.06
Core ROAA	0.88	0.79	0.30	(0.57)	0.18
ROAE	9.82	9.57	3.54	(27.26)	0.60
ROATCE	15.79	16.28	8.74	(25.98)	2.88
Core ROAE	10.46	10.00	4.12	(6.72)	1.91
Net Interest Margin	3.86	3.76	3.81	3.67	3.79
Reported: Net Interest Margin	3.86	3.76	3.81	3.67	3.79
Efficiency Ratio	72.01	74.41	82.38	79.38	85.14
Noninterest Inc / Operating Rev	40.57	41.45	36.30	50.66	57.53
Balance Sheet Ratios/ Capital (%)
Loans / Deposits	85.57	87.93	85.31	82.91	92.13
Securities / Assets	NA	16.18	18.49	20.76	16.17
Total Equity / Total Assets	8.47	8.35	7.62	6.97	9.17
Tangible Equity / Tangible Assets	5.87	5.70	4.85	4.01	4.96
Tang Common Equity / Tang Assets	5.87	5.70	4.85	4.01	4.96
Tier 1 Common Capital Ratio	NA	6.69	5.73	6.67	9.60
Tier 1 Ratio	NA	9.66	8.78	9.78	11.40
Risk-based Capital Ratio	13.00	12.58	11.35	11.03	12.65
Leverage Ratio (Bank, BHC Only)	NA	7.37	6.52	6.76	8.25
Core Cap / Tang Assets (OTS Only)	NA	NA	NA	NA	NA
Asset Quality (%)
NPAs / Assets	1.30	1.40	1.60	2.26	3.27
NPA Excl Restructured / Assets	1.10	1.20	1.39	2.09	3.02
NPAs & 90+ PD / Assets	1.30	1.40	1.60	2.26	3.27
NPAs / Loans & REO	1.79	1.89	2.24	3.41	4.67
Nonaccrual & 90+ & OREO / Assets	1.10	1.20	1.39	2.09	3.02
NPAs & 90+ PD / Loans & REO	1.79	1.89	2.24	3.41	4.67
NPA & Loans 90+ / Tangible Common Equity + LLR	19.17	21.16	27.88	46.08	56.49
NCOs / Avg Loans	0.10	0.23	0.50	2.43	0.82
Loan Loss Reserves / Gross Loans	1.51	1.45	1.46	1.54	1.50
Reserves / NPAs	83.70	76.27	64.87	44.98	31.94
Loan Loss Provision / NCO	253.39	126.40	91.47	97.11	153.92
Per Share Information ($)
Common Shares Outstanding (actual)	4,864,129	4,861,779	4,861,779	4,861,779	4,861,779
Avg Diluted Shares (actual)	4,870,000	4,861,779	4,861,779	4,861,779	4,870,403
Basic Book Value per Share	11.16	10.96	9.86	9.47	12.69
As-reported Book Value per Share	11.16	10.96	9.86	9.47	12.69
Basic Tangible Book Value per Share	7.52	7.28	6.08	5.28	6.57
Reported: Tangible Book Value	NA	7.28	6.08	5.49	6.57
Common Dividends Declared per Share	0.03	0	0	0	0.36
EPS after Extra	0.27	0.99	0.34	(3.21)	0.07
EPS after Extra Growth (%)	35.00	191.20	NM	NM	(93.4)
Core EPS	0.29	1.03	0.40	(0.79)	0.22
Core EPS Growth (%)	37.60	161.50	NM	NM	(79.8)
Diluted EPS before Amortization	0.30	1.12	0.57	(0.75)	0.23
Pre-Provision Earnings Per Share	0.29	1.04	0.48	(0.72)	0.70

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