FORWARD LOOKING STATEMENTS
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This presentation contains certain forward-looking statements, as that term is defined in U.S.
federal securities laws. Generally, these statements relate to our business plans or strategies,
projections involving anticipated revenues, earnings, profitability, or other aspects of
operating results, or other future developments in our affairs or the industry in which we
conduct business. Forward-looking statements may be identified by reference to a future
period or periods or by the use of forward-looking terminology such as “anticipate,” “believe,”
“expect,” “intend,” “plan,” “estimate,” “would be,” “will,” “intend to,” “project,” or
similar expressions or the negative thereof, as well as statements that include future events,
tense or dates, or are not historical or current facts. These forward-looking statements include
but are not limited to statements regarding our ability to successfully execute our strategy and
Strategic Growth and Diversification Plan, the level and sufficiency of our current regulatory
capital and equity ratios, our ability to continue to diversify the loan portfolio, our efforts at
deepening client relationships, increasing our levels of core deposits, lowering our non-
performing asset levels, managing and reducing our credit-related costs, increasing our
revenue growth and levels of earning assets, the effects of general economic and competitive
conditions nationally and within our core market area, the sufficiency of the levels of provision
for the allowance for loan losses and amounts of charge-offs, loan and deposit growth, interest
on loans, asset yields and cost of funds, net interest income, net interest margin, non-interest
income, non-interest expense, interest rate environment, and other factors including those set
forth in “Part I. Item 1A. Risk Factors” of our Annual Report on Form 10-K for the year ended
December 31, 2010. Such forward-looking statements are not guarantees of future
performance. The Company does not intend to update these forward-looking statements to
reflect occurrences or unanticipated events or circumstances unless required to do so under
the federal securities laws.
