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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	246,673	217,740	13.29	246,149	0.85
Loans Held for Sale, before Reserves	0	2,250	NM	0	0.00
Loan Loss Reserve	4,900	4,400	11.36	4,675	19.25
Net Loans Receivable	241,773	215,590	12.14	241,474	0.50
Intangible Assets	0	0	0.00	0	0.00
Total Assets	348,395	308,677	12.87	349,597	(1.38)
Deposits	280,439	243,293	15.27	281,482	(1.48)
Debt, Senior and Subordinated	29,000	29,000	0.00	29,000	0.00
Common Equity	26,281	24,154	8.81	25,747	8.30
Total Shareholders' Equity	37,230	35,103	6.06	36,696	5.82
Shares Outstanding (actual)	2,757,243	2,750,000	0.26	2,757,243	0.00

Income Statement ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Net Interest Income	2,984	2,612	14.24	3,019	(4.64)
Provision for Loan Losses	211	290	(27.24)	250	(62.40)
Noninterest Income	321	200	60.50	515	(150.68)
Noninterest Expense	2,339	2,000	16.95	2,423	(13.87)
Net Income Before Taxes	783	599	30.72	930	(63.23)
Provision for Taxes	229	265	(13.58)	402	(172.14)
Net Income	554	334	65.87	528	19.70

Per Share Items ($)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Book Value per Share	9.53	8.78	8.52	9.34	8.30
Tangible Book Value	9.53	8.78	8.52	9.34	8.30
Diluted EPS Before Extra	0.19	0.11	70.54	0.18	19.78
Diluted EPS After Extra	0.19	0.11	70.54	0.18	19.78
Dividends Declared	0.0000	0.0000	0.00	0.0000	0.00

Performance Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
ROAA	0.65	0.45	20	0.60	5
ROAE	6.09	3.81	228	5.75	33
Net Interest Margin	3.67	3.66	1	3.60	7
Loans / Deposits	87.96	89.50	(154)	87.45	51
Efficiency Ratio	70.20	69.20	100	67.20	300

Balance Sheet Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	10.69	11.37	(69)	10.50	19
Equity/ Assets	10.69	11.37	(69)	10.50	19

Asset Quality Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Nonperforming Assets/ Assets	0.39	0.54	(15)	0.45	(6)
Loan Loss Reserves/ Gross Loans	1.99	2.00	(1)	1.90	9
Loan Loss Reserves/ NPAs	117.76	74.94	4,282	105.99	1,178
Net Charge-offs/ Avg Loans	(0.02)	0.12	(15)	0.38	(40)

Regulatory Capital Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tier 1 Capital Ratio	12.34	13.62	(128)	12.31	3

^† 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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