Financial Statistics



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Balance Sheet
($ in millions)		 2011 Q4 2011 Q3 Q - Q
% CH		 2011 Q4 2010 Q4 Y -Y
CH (%)
Loans Held for Investment 403.68 411.37 -1.87 403.68 396.17 1.90
Loans Held for Sale 0.00 0.00 N/A 0.00 0.00 N/A
Loan Loss Reserve 6.16 6.37 -3.25 6.16 5.88 4.76
Net Loans Receivable 397.52 405.00 -1.85 397.52 390.29 1.85
Intangible Assets 0.11 0.19 -40.00 0.11 0.16 -30.63
Total Assets 607.10 609.09 -0.33 607.10 602.33 0.79
Total Deposits 497.55 498.51 -0.19 497.55 492.75 0.97
Total Borrowings 53.65 56.46 -4.98 53.65 60.23 -10.93
Common Equity 0.00 0.00 N/A 0.00 0.00 N/A
Total Shareholders' Equity 51.06 50.55 1.00 51.06 45.21 12.94
Shares Outstanding 2.69 2.68 0.57 2.69 2.66 1.27
 
Income Statement ($)
($ in millions)		 2011 Q4 2011 Q3 Q - Q
% CH		 2011 Q4 2010 Q4 Y -Y
CH (%)
Net Interest Income 5.41 5.52 -2.14 5.41 4.88 10.83
Provision for Loan Losses 0.20 0.43 -52.58 0.20 0.78 -73.94
Noninterest Income 0.84 0.86 -2.21 0.84 0.89 -5.19
Noninterest Expense 4.26 4.12 3.52 4.26 4.09 4.18
Net Income Before Taxes 1.82 1.84 -1.20 1.82 1.53 18.76
Provision for Taxes 0.51 0.54 -5.70 0.51 0.48 8.00
Net Income 1.30 1.30 0.69 1.30 1.06 23.60
 
Per Share Items ($) 2011 Q4 2011 Q3 Q - Q
% CH		 2011 Q4 2010 Q4 Y -Y
CH (%)
Book Value per Share 14.14 14.03 0.75 14.14 12.65 11.73
Tangible Book Value 14.09 13.96 0.95 14.09 12.59 11.94
Diluted EPS Before Extra 0.00 0.48 -100.00 0.00 0.00 N/A
Dividends Declared N/A N/A N/A N/A 0.00 N/A
 
Performance Ratio (%) 2011 Q4 2011 Q3 Q - Q
% CH		 2011 Q4 2010 Q4 Y -Y
CH (%)
ROAA 0.86 0.84 2.38 0.86 0.70 22.86
ROAE 10.27 10.44 -1.63 10.27 9.15 12.24
Net Interest Margin 3.88 3.88 0.00 3.88 3.46 12.14
Loans / Deposits 81.14 82.52 -1.67 81.14 80.40 0.92
Efficiency Ratio 68.25 64.51 5.80 68.25 70.99 -3.86
 
Balance Sheet Ratio (%) 2011 Q4 2011 Q3 Q - Q
% CH		 2011 Q4 2010 Q4 Y -Y
CH (%)
Tangible Equity/ Tangible Assets 8.39 8.27 1.45 8.39 7.48 12.17
Equity/ Assets 8.41 8.30 1.33 8.41 7.51 11.98
 
Asset Quality Ratio (%) 2011 Q4 2011 Q3 Q - Q
% CH		 2011 Q4 2010 Q4 Y -Y
CH (%)
Nonperforming Assets/ Assets 1.91 1.97 -3.05 1.91 1.92 -0.52
Loan Loss Reserves/ Gross Loans 1.53 1.55 -1.29 1.53 1.49 2.68
Loan Loss Reserves/ NPAs 53.06 53.09 -0.06 53.06 50.96 4.12
Net Charge-offs/ Avg Loans 0.40 0.48 -16.67 0.40 1.08 -62.96

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