Assets 91.02 90.94 90.38 Allowance for Loan Losses as % of Total Loans 1.14 1.05.99 Net Charge Off's as % of Average Loans (Annualized). Income.

CONSOLIDATED STATEMENTS OF INCOME September 30, June 30, March 31, (in thousands, excuse allotment data) 2008 2008 2008 Loans receivable Taxable $49,828 $49,023 $51,101 Tax exempted 321 178 165 Investment securities Taxable 2,943 2,947 3,249 Tax free 1,379 1,452 1,513 Federal funds sold 10 3 8 Deposits with fiscal institutions 146 133 282 Federal Reserve and Federal Home Loan Bank lineage 351 370 335 ------------ ------- -------- Total concern gain 54,978 54,106 56,653 ------------ ------- -------- Interest sacrifice Deposits 16,213 16,297 19,433 Federal funds purchased 502 577 669 Securities sold under repurchase agreements 650 632 816 Federal Home Loan Bank advances 2,724 2,825 3,036 Subordinated debentures, revolving solvency lines and designation loans 1,635 1,602 1,890 ------------ ------- -------- Total percentage destruction 21,724 21,933 25,844 ------------ ------- -------- Net enlist revenue 33,254 32,173 30,809 Provision for allowance losses 7,094 7,070 3,823 ------------ ------- -------- Net incline return After requirement for credit losses 26,160 25,103 26,986 Other proceeds Service charges on lees accounts 3,568 3,157 2,931 Fiduciary activities 1,932 2,126 2,142 Other buyer fees 1,696 1,767 1,679 Commission takings 1,457 1,427 1,669 Earnings on specie concede value of brio security 519 606 738 Net gains and fees on sales of loans 648 668 643 Net realized gains (losses) on sales of available-for-sale securities (1,255) 13 73 Other profit 655 570 652 ------------ ------- -------- Total other receipts 9,220 10,334 10,527 ------------ ------- -------- Other expenses Salaries and staff member benefits 15,330 15,698 16,098 Net occupancy 1,857 1,750 1,805 Equipment 1,649 1,643 1,654 Marketing 605 612 484 Outside text processing fees 1,068 1,009 882 Printing and obligation supplies 281 291 281 Core down payment amortization 809 808 790 Other expenses 5,516 4,593 4,279 ------------ ------- -------- Total other expenses 27,115 26,404 26,273 ------------ ------- -------- Income before income impose 8,265 9,033 11,240 Income duty impairment 2,516 2,491 3,114 ------------ ------- -------- Net income $5,749 $6,542 $8,126 ============ ======= ======== Per Share Data Basic Net Income.32.37.45 Diluted Net Income.32.36.45 Cash Dividends Paid.23.23.23 Average Diluted Shares Outstanding (in thousands) 18,196 18,159 18,055 FINANCIAL RATIOS Return on Average Assets.60%.69%.86% Return on Average Stockholders' Equity 6.58 7.46 9.43 Avg. Earning Assets to Avg. Assets 91.02 90.94 90.38 Allowance for Loan Losses as % of Total Loans 1.14 1.05.99 Net Charge Off's as % of Average Loans (Annualized).49.61.41 Dividend Payout Ratio 72.80 63.85 51.10 Average Stockholders' Equity to Average Assets 9.09 9.30 9.17 Tax Equivalent Yield on Earning Assets 6.39 6.41 6.78 Cost of Supporting Liabilities 2.48 2.56 3.04 Net Interest Margin (FTE) on Earning Assets 3.91 3.85 3.74 December 31, September 30, (in thousands, leave out percentage data) 2007 2007 Loans receivable Taxable $53,338 $53,081 Tax off the hook 302 368 Investment securities Taxable 3,487 3,581 Tax released 1,623 1,613 Federal funds sold 39 41 Deposits with economic institutions 194 145 Federal Reserve and Federal Home Loan Bank sheep 344 328 ----------- ------------ Total provoke income 59,327 59,157 ----------- ------------ Interest ruin Deposits 22,398 23,327 Federal funds purchased 692 996 Securities sold under repurchase agreements 1,182 1,195 Federal Home Loan Bank advances 3,250 3,302 Subordinated debentures, revolving belief lines and incumbency loans 1,910 1,802 ----------- ------------ Total incite detriment 29,432 30,622 ----------- ------------ Net prevail upon income 29,895 28,535 Provision for advance losses 2,450 2,810 ----------- ------------ Net kindle income After qualification for accommodation losses 27,445 25,725 Other income Service charges on place accounts 3,206 3,241 Fiduciary activities 2,094 1,985 Other purchaser fees 1,686 1,767 Commission income 1,031 1,175 Earnings on hard cash throw in the sponge value of obsession guarantee 1,186 998 Net gains and fees on sales of loans 546 749 Net realized gains (losses) on sales of available-for-sale securities 1 Other income 383 933 ----------- ------------ Total other income 10,133 10,848 ----------- ------------ Other expenses Salaries and wage-earner benefits 14,738 14,583 Net occupancy 1,619 1,818 Equipment 1,619 1,645 Marketing 505 560 Outside matter processing fees 872 972 Printing and service supplies 329 394 Core set amortization 789 789 Other expenses 4,776 4,241 ----------- ------------ Total other expenses 25,247 25,002 ----------- ------------ Income before income encumber 12,331 11,571 Income pressurize loss 3,021 3,221 ----------- ------------ Net income $9,310 $8,350 =========== ============ Per Share Data Basic Net Income.51.46 Diluted Net Income.51.46 Cash Dividends Paid.23.23 Average Diluted Shares Outstanding (in thousands) 18,138 18,276 FINANCIAL RATIOS Return on Average Assets 1.00%.90% Return on Average Stockholders' Equity 11.10 10.14 Avg. Earning Assets to Avg. Assets 90.70 90.88 Allowance for Loan Losses as % of Total Loans.98.96 Net Charge Off's as % of Average Loans (Annualized).26.39 Dividend Payout Ratio 45.10 50.00 Average Stockholders' Equity to Average Assets 8.98 8.91 Tax Equivalent Yield on Earning Assets 7.13 7.17 Cost of Supporting Liabilities 3.47 3.65 Net Interest Margin (FTE) on Earning Assets 3.66 3.52.

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