| Computation of Ratios                                |
|------------------------------------------------------|
|                                                 |   |   |
| Basic Earnings (Loss) Per Share                      | = | Net Income (Loss) Available to Common Shareholders/ Weighted Average Common Shares Outstanding |
|                                                 |   |   |
| Diluted Earnings (Loss) Per Share                    | = | Net Income (Loss) Available to Common Shareholders/ Weighted Average Diluted Shares Outstanding |
|                                                 |   |   |
| Cash Dividends Per Share                             | = | Dividends Paid to Common Shareholders/Average Common Shares Outstanding |
|                                                 |   |   |
| Book Value Per Share                                 | = | Total Common Shareholders’ Equity/Common Shares |
|                                                 |   |  Outstanding |
|                                                 |   |   |
| Return on Average Assets                             | = | Net Income/Average Assets |
|                                                 |   |   |
| Return on Average Shareholders’ Equity         | = | Net Income/Average Shareholders’ Equity |
|                                                 |   |   |
| Efficiency Ratio (GAAP)                              | = | Noninterest Expense/(Net Interest Income Plus |
|                                                 |   | Noninterest Income) |
|                                                 |   |   |
| Efficiency Ratio (Non-GAAP)                          | = | See schedule under Item 7 – Management’s Discussion and Analysis of Financial Condition and Results of Operations |
|                                                 |   |   |
| Loans to Deposits                                    | = | Average Net Loans/Average Deposits Outstanding |
|                                                 |   |   |
| Dividend Payout                                      | = | Dividends Declared/Net Income Available to Common Shareholders |
|                                                 |   |   |
| Average Shareholders’ Equity to Average Assets | = | Average Shareholders’ Equity/Average Assets |
|                                                 |   |   |
| Tier I Capital Ratio                                 | = | (Shareholders’ Equity Plus Qualifying Subordinated Debt) - Intangible Assets - Securities Market-to-market Capital Reserve |
|                                                 |   | (Tier I Capital)/ Risk Adjusted Assets |
|                                                 |   |   |
| Total Capital Ratio                                  | = | Tier I Capital Plus Allowance for Loan |
|                                                 |   |  Losses/Risk Adjusted Assets |
|                                                 |   |   |
| Tier I Leverage Ratio                                | = | Tier I Capital/Average Assets |
|                                                 |   |   |
| Net Charge-offs to Average Loans                     | = | (Gross Charge-offs Less Recoveries)/Average Net Loans |
|                                                 |   |   |
| Non-performing Loans to Total Loans                  | = | (Nonaccrual Loans, Loans Past Due 90 Days or |
|                                                 |   | Greater, Plus Unseasoned Restructured Loans)/Gross Loans Net of Unearned Interest |
|                                                 |   |   |
| Non-performing Assets to Total Loans Plus OREO       | = | (Nonaccrual Loans, Loans Past Due 90 Days or |
|                                                 |   | Greater, Unseasoned Restructured Loans, Plus OREO)/Net Loans plus OREO |
|                                                 |   |   |
| Allowance for Loan Losses to Total Loans             | = | Allowance for Loan Losses/(Gross Loans Net of Unearned Interest) |
|                                                 |   |   |
| Allowance for Loan Losses to Non-performing Assets   | = | Allowance for Loan Losses/(Nonaccrual Loans, Loans Past Due 90 Days or Greater, Unseasoned Restructured Loans, Plus OREO) |
|                                                 |   |   |
| Allowance for Loan Losses to Non-performing Loans    | = | Allowance for Loan Losses/(Nonaccrual Loans plus Non-performing Loans) |
|                                                 |   |   |
| Net Interest Margin                                  | = | Tax Equivalent Net Interest Income/Average Earning Assets |
|                                                 |   |   |

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