Financial Information

Balance Sheet (U.S.D. In Thousands)
	2009	2008
Assets
Cash and Cash Equivalents	33,732	19,730
Investments	79,494	55,478
Net Loans	314,961	323,364
Other Assets	7,290	10,476
Total Assets	435,477	409,048

Liabilities
Deposits	398,755	381,634
Other Funding	7,500	0
Other Liabilities	750	2,018
Total Liabilites	407,005	383,652
Stockholder's Equity	28,472	25,396
Total Liabilites & Capital	435,477	409,048

Income Statement (U.S.D. In Thousands)
	2009	2008
Interest Income	10,586	22,233
Interest Expense	3,226	8,255
Net Interest Income	7,360	13,978
Non Interest Income	929	2,024
Non Interest Expense (net of taxes)	7,340	13,784
Net Income	949	2,218

Financial Ratios
	2009	2008
Total Capital to Risk Weighted Assets	10.36%	10,70%
Net Loans to Total Assets	72.33%	79,05%
Net Loans to Total Deposits	78.99%	84,73%
Non Interest Bearing Deposits to Funding	27.38%	21,89%
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