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                              1ST CAPITAL BANK                          CONDENSED FINANCIAL DATA                                 (Unaudited)                (Dollars in thousands, except per share data)                                                                 Percent                                      3 Months Ended              Change                                                                  From:                             December   September    December   Sep    Dec                               31,         30,         31,      30,    31,Operating Results Data         2012        2012        2011    2012   2011                           ----------- ----------- ----------- ----   ----Interest income  Loans                    $     3,110 $     3,153 $     2,836   (1%)   10%  Investment securities            101         103          88   (2%)   15%  Other                             46          42          20   10%   130%                           ----------- ----------- -----------    Total interest income        3,257       3,298       2,944   (1%)   11%                           ----------- ----------- -----------Interest expense  Interest bearing   checking accounts                20           7           6  186%   233%  Money market                      54          89          70  (39%)  (23%)  Savings                           74          74          62    0%    19%  Time                              35          39          64  (10%)  (45%)                           ----------- ----------- -----------    Total interest expense         183         209         202  (12%)   (9%)                           ----------- ----------- -----------Net interest income              3,074       3,089       2,742   (0%)   12%Provision for loan losses          432          98         196  341%   120%                           ----------- ----------- -----------Net interest income after  provision for loan   losses                        2,642       2,991       2,546  (12%)    4%Noninterest income  Service charges on   deposits                         22          20          27   10%   (19%)  BOLI benefits                    699           -           -  100%   100%  BOLI dividend income              30           7           -  329%   100%  Other                             35          21          15   67%   133%                           ----------- ----------- -----------    Total noninterest     income                        786          48          42 1538%  1771%Noninterest expenses  Salaries and benefits          1,324       1,290       1,243    3%     7%  Occupancy                        195         173         138   13%    41%  Furniture and equipment           86          65         100   32%   (14%)  Other                            678         582         667   16%     2%                           ----------- ----------- -----------    Total noninterest     expenses                    2,283       2,110       2,148    8%     6%                           ----------- ----------- -----------Income before provision for income taxes                1,145         929         440   23%   160%Provision for (benefit from) income taxes                397         390         183    2%   117%                           ----------- ----------- -----------    Net income             $       748 $       539 $       257   39%   191%                           =========== =========== ===========Common Share Data--------------------------  Earnings per share    Basic                  $      0.23 $      0.17 $      0.08   35%   188%    Diluted                $      0.23 $      0.16 $      0.08   44%   188%  Weighted average shares outstanding    Basic                    3,228,689   3,248,690   3,220,853    Diluted                  3,295,371   3,337,605   3,254,306                               12 Months Ended                                 December 31,       PercentOperating Results Data         2012        2011      Change                           ----------- -----------  -------Interest income  Loans                    $    12,008 $    10,671       13%  Investment securities            413         395        5%  Other                            180          85      112%                           ----------- -----------    Total interest income       12,601      11,151       13%                           ----------- -----------Interest expense  Interest bearing   checking accounts                40          40        0%  Money market                     331         357       (7%)  Savings                          282         251       12%  Time                             171         332      (48%)                           ----------- -----------    Total interest expense         824         980      (16%)                           ----------- -----------Net interest income             11,777      10,171       16%Provision for loan losses          994         665       49%                           ----------- -----------Net interest income after  provision for loan   losses                       10,783       9,506       13%Noninterest income  Service charges on   deposits                         85          75       13%  BOLI benefits                    699           -      100%  BOLI dividend income              37           -      100%  Other                             88          69       28%                           ----------- -----------    Total noninterest     income                        909         144      531%Noninterest expenses  Salaries and benefits          5,159       4,272       21%  Occupancy                        725         575       26%  Furniture and equipment          328         371      (12%)  Other                          2,508       2,189       15%                           ----------- -----------    Total noninterest     expenses                    8,720       7,407       18%                           ----------- -----------Income before provision for income taxes                2,972       2,243       33%Provision for (benefit from) income taxes              1,166        (895)    (230%)                           ----------- -----------    Net income             $     1,806 $     3,138      (42%)                           =========== ===========Common Share Data--------------------------  Earnings per share    Basic                  $      0.56 $      0.97      (42%)    Diluted                $      0.54 $      0.97      (44%)  Weighted average shares   outstanding    Basic                    3,224,782   3,220,853    Diluted                  3,319,925   3,244,921                              1ST CAPITAL BANK                          CONDENSED FINANCIAL DATA                                 (Unaudited)                (Dollars in thousands, except per share data)                                                                 Percent                                                                  Change                                                                  From:                            December    September   December    Sep    Dec                               31,         30,         31,      30,    31,Financial Condition Data      2012        2012        2011     2012   2011-------------------------- ----------  ----------  ----------  ----   ----Assets  Cash and due from banks  $    8,551  $    7,444  $    8,910    15%    (4%)  Funds held at the   Federal Reserve Bank        21,042      27,430      60,062   (23%)  (65%)  Time deposits at other   financial institutions       9,321       9,570       3,835    (3%)  143%  Available-for-sale   securities, at fair   value                       41,762      17,384      13,685   140%   205%  Loans:    Commercial                 89,834      89,117      78,504     1%    14%    Real estate-     construction               4,834       4,513       4,126     7%    17%    Real estate-other         147,320     138,641     115,902     6%    27%    Consumer                      748       1,295       1,580   (42%)  (53%)    Deferred loan fees and     costs, net                   517         516         470     0%    10%                           ----------  ----------  ----------      Total loans             243,253     234,082     200,582     4%    21%    Allowance for loan     losses                    (4,314)     (3,882)     (3,320)   11%    30%                           ----------  ----------  ----------  Net loans                   238,939     230,200     197,262     4%    21%  Premises and equipment,   net                          1,282       1,325         615    (3%)  108%  Bank owned life   insurance                    3,555       4,500           -   (21%)  100%  Investment in Federal   Home Loan Bank stock,   at cost                      1,026       1,026         918     0%    12%  Accrued interest   receivable and other   assets                       3,871       3,805       3,028     2%    28%                           ----------  ----------  ----------Total assets               $  329,349  $  302,684  $  288,315     9%    14%                           ==========  ==========  ==========Liabilities and Shareholders' Equity  Deposits:    Noninterest bearing     demand deposits       $  123,403  $  102,745  $  118,366    20%     4%    Interest bearing     checking accounts         17,482      13,442      12,188    30%    43%    Money market               60,091      59,508      43,983     1%    37%    Savings                    62,364      58,260      38,558     7%    62%    Time                       31,314      34,584      42,488    (9%)  (26%)                           ----------  ----------  ----------      Total deposits          294,654     268,539     255,583    10%    15%Accrued interest payable and other liabilities            694         910         919   (24%)  (24%)Shareholders' equity           34,001      33,235      31,813     2%     7%                           ----------  ----------  ----------Total liabilities and shareholders' equity      $  329,349  $  302,684  $  288,315     9%    14%                           ==========  ==========  ==========  Shares outstanding at   end of period            3,310,503   3,251,003   3,243,293  Nominal and tangible   book value per share    $    10.27  $    10.22  $     9.81  Ratio of net loans to   total deposits               81.09%      85.72%      77.18%                              1ST CAPITAL BANK                          CONDENSED FINANCIAL DATA                                 (Unaudited)                           (Dollars in thousands)                                                                 Percent                                                                  Change                                                                  From:                               December  September   December   Sep    Dec                                 31,        30,        31,      30,    31,                                 2012       2012       2011    2012   2011                              ---------  ---------  ---------  ----   ----Asset Quality-----------------------------  Loans past due 90 days or   more and accruing interest $       -  $       -  $       -  Nonaccrual restructured   loans                            238        220        240     8%    (1%)  Other nonaccrual loans          1,203        519          -   132%  Other real estate owned             -          -          -                              ---------  ---------  ---------    Total nonperforming     assets                   $   1,441  $     739  $     240    95%   500%                              =========  =========  =========  Allowance for loan losses   to total loans                  1.77%      1.66%      1.66%    7%     7%  Allowance for loan losses   to nonperforming loans        299.38%    525.59%  1,383.00%  (43%)  (78%)  Allowance for loan losses   to nonperforming assets       299.38%    525.59%  1,383.00%  (43%)  (78%)  Nonperforming assets to                                             1,48   total assets                    0.44%      0.24%      0.08%  440%     5%Regulatory Capital and Ratios-----------------------------  Tier 1 regulatory capital   $  33,600  $  32,793  $  31,490     2%     7%  Total regulatory capital    $  36,646  $  35,723  $  33,985     3%     8%  Tier 1 leverage ratio           10.67%     10.81%     12.58%   (1%)  (15%)  Tier 1 capital ratio            13.87%     14.30%     15.82%   (3%)  (12%)  Total risk based capital   ratio                          15.12%     15.50%     17.07%   (2%)  (12%)                                                                 Percent                                       3 Months Ended             Change                                                                  From:                               December  September   December   Sep    Dec                                 31,        30,        31,      30,    31,                                 2012       2012       2011    2012   2011                              ---------  ---------  ---------  ----   ----Selected Financial Ratios-----------------------------  Return on average total   assets                          0.94%      0.71%      0.41%   34%   131%  Return on average   shareholders' equity            8.84%      6.49%      3.20%   36%   176%  Net interest margin              4.07%      4.20%      4.54%   (3%)  (10%)  Efficiency ratio                59.15%     67.26%     77.16%  (12%)  (23%)Selected Average Balances-----------------------------  Loans                       $ 235,680  $ 231,716  $ 201,594     2%    17%  Investment securities          22,081     17,866     12,377    24%    78%  Other                          42,672     42,873     25,524    (0%)   67%                              ---------  ---------  ---------    Total interest earning     assets                   $ 300,433  $ 292,455  $ 239,494     3%    25%  Total assets                $ 315,501  $ 303,785  $ 250,032     4%    26%  Interest bearing checking   accounts                   $  13,670  $  13,170  $   8,774     4%    56%  Money market                   61,035     64,196     48,164    (5%)   27%  Savings                        62,486     55,170     36,167    13%    73%  Time deposits                  32,872     35,229     43,188    (7%)  (24%)                              ---------  ---------  ---------    Total interest bearing     liabilities              $ 170,063  $ 167,765  $ 136,293     1%    25%  Noninterest bearing demand   deposits                     111,670    102,719     80,932     9%    38%                              ---------  ---------  ---------    Total deposits            $ 281,733  $ 270,484  $ 217,225     4%    30%  Shareholders' equity        $  33,646  $  33,031  $  31,865     2%     6%                                 12 Months Ended                                  December 31,      Percent                                 2012       2011     Change                              ---------  ---------  -------Selected Financial Ratios-----------------------------  Return on average total   assets                          0.60%      1.35%     (55%)  Return on average   shareholders' equity            5.50%     10.31%     (47%)  Net interest margin              4.11%      4.54%      (9%)  Efficiency ratio                68.74%     71.81%      (4%)Selected Average Balances-----------------------------  Loans                       $ 220,552  $ 189,421       16%  Investment securities          18,376     13,232       39%  Other                          48,560     21,459      126%                              ---------  ---------    Total interest earning     assets                   $ 287,488  $ 224,112       28%  Total assets                $ 299,207  $ 232,602       29%  Interest bearing checking   accounts                   $  12,792  $   8,573       49%  Money market                   62,953     50,002       26%  Savings                        51,902     32,724       59%  Time deposits                  36,700     46,457      (21%)                              ---------  ---------    Total interest bearing     liabilities              $ 164,347  $ 137,757       19%  Noninterest bearing demand   deposits                     101,701     63,445       60%                              ---------  ---------    Total deposits            $ 266,048  $ 201,202       32%  Shareholders' equity        $  32,836  $  30,442        8%