Selected Consolidated Financial Data in thousands of dollars, except per share data 10 8 Fiscal Year Ended December 31, December 31, December 31, December 31, December 31, December 31, 2010 2009 2008 2007 2006 2005 ____________ ____________ ____________ ____________ ____________ ____________ Statement of Income: Total interest income .................. $ 30,086 $ 32,189 $ 35,167 $ 35,768 $ 34,979 $ 30,024 Total interest expense.................. 4,989 8,841 12,933 17,882 15,738 9,758 ____________ ____________ ____________ ____________ ____________ ____________ Net interest income..................... 25,097 23,348 22,234 17,886 19,241 20,266 Provision for loan losses .............. 5,570 8,540 2,388 552 15 245 ____________ ____________ ____________ ____________ ____________ ____________ Net interest income after provision for loan losses............. 19,527 14,808 19,846 17,334 19,226 20,021 ____________ ____________ ____________ ____________ ____________ ____________ Noninterest income..................... 5,790 5,602 4,528 4,431 4,219 3,540 Noninterest expense .................... 19,341 18,735 16,999 14,525 14,296 13,771 ____________ ____________ ____________ ____________ ____________ ____________ Net noninterest expense .............. 13,551 13,133 12,471 10,094 10,077 10,231 ____________ ____________ ____________ ____________ ____________ ____________ Income tax expenses/(benefit) ..... 797 (813) 1,445 1,651 2,674 3,118 ____________ ____________ ____________ ____________ ____________ ____________ Net income ................................. $ 5,179 $ 2,488 $ 5,930 $ 5,589 $ 6,475 $ 6,672 ____________ ____________ ____________ ____________ ____________ ____________ Basic earnings  per common share..................... $1.83 $0.88 $2.11 $1.99 $2.32 $2.40 Diluted earnings  per common share..................... $1.83 $0.88 $2.10 $1.98 $2.30 $2.37 Cash dividends declared  per common share..................... $0.72 $1.21 $1.44 $1.44 $1.40 $1.32 December 31, December 31, December 31, December 31, December 31, December 31, 2010 2009 2008 2007 2006 2005 ____________ ____________ ____________ ____________ ____________ ____________ Balance Sheet: Total assets.................................. $ 631,053 $ 661,806 $ 664,732 $ 628,718 $ 618,982 $ 627,439 Loans receivable .......................... 418,233 458,245 489,509 468,459 471,716 469,043 Investment securities ................... 160,452 144,333 126,722 114,644 99,012 90,093 Deposits ...................................... 520,271 540,527 528,148 493,384 512,931 525,731 Borrowed funds........................... 48,618 63,022 74,795 76,930 51,501 51,152 Total stockholders’ equity ........... 56,089 53,078 52,773 52,733 50,010 46,433 December 31, December 31, December 31, December 31, December 31, December 31, 2010 2009 2008 2007 2006 2005 ____________ ____________ ____________ ____________ ____________ ____________ Interest Rate Spread During Period: Average effective yield on loans and investment securities........... 4.84% 5.16% 5.78% 6.21% 6.02% 5.50% Average effective cost of deposits and borrowings ......................... 0.82% 1.45% 2.19% 3.18% 2.77% 1.82% ____________ ____________ ____________ ____________ ____________ ____________ Interest rate spread ...................... 4.02% 3.71% 3.59% 3.03% 3.25% 3.68% ____________ ____________ ____________ ____________ ____________ ____________ Net interest margin ............................. 4.04% 3.74% 3.65% 3.10% 3.31% 3.71% Return on average assets ...................... 0.77% 0.37% 0.91% 0.91% 1.04% 1.14% Return on average equity..................... 9.03% 4.55% 10.96% 10.78% 13.42% 14.67% December 31, December 31, December 31, December 31, December 31, December 31, 2010 2009 2008 2007 2006 2005 ____________ ____________ ____________ ____________ ____________ ____________ Total capital to  risk-weighted assets ........................... 12.9% 11.5% 12.0% 12.0% 12.0% 11.6% Tier 1 capital to  risk-weighted assets ........................... 11.7% 10.3% 10.8% 11.0% 11.1% 10.7% Tier 1 capital to adjusted average assets..................................... 8.5% 7.8% 8.2% 8.3% 8.0% 7.9% Allowance for loan losses to  total loans.......................................... 2.18% 1.33% 1.19% 0.98% 0.90% 0.89% Allowance for loan losses to  non-performing loans........................ 42.26% 32.93% 46.97% 53.16% 153.95% 198.00% Non-performing loans to  total loans.......................................... 5.77% 4.05% 2.54% 1.84% 0.58% 0.45% Total loan accounts............................. 4,594 4,846 5,193 5,268 5,392 5,422 Total deposit accounts ........................ 28,912 32,616 33,692 30,760 32,435 33,963 Total Banking Centers (all full service).................................. 12 11 10 9 8 8