Exhibit 99.1

NEWS

CONTACT:	John E. Peck
	President and CEO
	(270) 885-1171

HOPFED BANCORP, INC. REPORTS THIRD QUARTER RESULTS

HOPKINSVILLE, Ky. (October 28, 2014) – HopFed Bancorp, Inc. (NASDAQ: HFBC) (the “Company”), the holding company for Heritage Bank USA, Inc. (the “Bank”), today reported results for the three and nine month periods ended September 30, 2014. For the three month period ended September 30, 2014, the Company’s net income was $2.0 million, or $0.27 per share, basic and diluted, compared to net income of $536,000, or $0.07 per share basic and diluted, for the three month period ended September 30, 2013. For the nine month period ended September 30, 2014, the Company’s net income was $3.2 million, or $0.44 per share, basic and diluted, compared to net income of $2.7 million, or $0.36 per share basic and diluted, for the nine month period ended September 30, 2013.

Commenting on the third quarter results, John E. Peck, President and Chief Executive Officer, said, “The Company’s credit quality significantly improved during the quarter, allowing us to recapture $892,000 in provision for loan loss expenses. At September 30, 2014, non-accrual loans were $1.1 million, or 0.21% of total loans. At September 30, 2014, the Company’s balance in other real estate and other assets owned was $2.0 million and our total non-performing asset to total asset ratio was 0.33%. At September 30, 2014, the Company’s allowance for loan loss account totaled $8.1 million, or 728.0% of non-accrual loans and 1.51% of total loans. For the nine month period ended September 30, 2014, the Company’s recoveries exceed charge offs by approximately $224,000.”

Mr. Peck continued, “For the three month periods ended September 30, 2014, income from the origination of mortgage loans sold on the secondary market and wealth management commissions increased by $183,000 and $195,000, respectively, as compared to the three month period ended June 30, 2014. Furthermore, the Company continues to find success in reducing our interest expense. Total interest expense declined by $168,000 during the three month period ended September 30, 2014, as compared to the three month period ended June 30, 2014.”

Financial Highlights

• At September 30, 2014, the Company’s tangible book value was $13.72 per share and tangible common equity ratio was 10.66%. The Bank’s estimated Tier 1 Leverage Ratio and Total Risk Based Capital Ratio at September 30, 2014, were 11.43% and 18.86%, respectively. The Company’s consolidated Tier 1 Leverage Ratio and Total Risk Based Capital Ratio at September 30, 2014, were 11.49% and 18.91%, respectively.

• The Company purchased 186,370 shares of its common stock in the quarter at a weighted average price of $11.74 per share. At September 30, 2014, the Company has purchased 335,694 shares of its common stock under the current repurchase program and is authorized to repurchase an additional 39,306 shares of its common stock under the currently approved repurchase plan. The Company holds a total of 738,610 shares of treasury stock at a weighted average cost of $12.13 per share.

• During the quarter, the Company has opened a loan production office on West End Avenue in Nashville, Tennessee, and has hired two commercial loan officers. We are seeking additional high performing commercial lenders to enhance our presence in the market.

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HFBC Reports Third Quarter Results

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October 28, 2014

Asset Quality

At September 30, 2014, the Company’s level of non-accrual loans totaled $1.1 million, as compared to $10.1 million at December 31, 2013. For the three month period ended September 30, 2014, the Company had two of its most significant non-accrual relationships become current and placed in accrual status. A summary of non-accrual loans at September 30, 2014, and December 31, 2013, is as follows:

	September 30, 2014		December 31, 2013
	(Dollars in Thousands)
One-to-four family mortgages	$	407	$	945
Home equity line of credit		31		1
Junior lien		—		2
Construction		—		175
Land		301		1,218
Non-residential real estate		101		6,546
Farmland		12		703
Consumer loans		2		13
Commercial loans		263		463
Total non-accrual loans	$	1,117	$	10,066

At December 31, 2013, non-accrual loans plus other real estate and other assets owned totaled $11.7 million, or 1.21% of total assets. At September 30, 2014, non-accrual loans plus other real estate and other assets owned totaled $3.1 million, or 0.33% of total assets. A summary of the activity in other real estate owned for the nine month period ended September 30, 2014, is as follows:

	Activity During 2014
	Balance 12/31/2013		Foreclosures		Sales			Reduction in Values			Gain (Loss) on Sale			Balance 9/30/2014
	(Dollars in Thousands)
One-to-four family mortgages	$	350		365		(601	)		(5	)		11		$	120
Land		1,124		901		(72	)		(100	)		(19	)		1,834
Non-residential real estate		200		175		(328	)		—			(47	)		—
Total	$	1,674		1,441		(1,001	)		(105	)		(55	)	$	1,954

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HFBC Reports Third Quarter Results

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October 28, 2014

Asset Quality (continued)

The Company had no loans classified as performing Troubled Debt Restructurings (“TDRs”) at December 31, 2013. During the three month period ending September 30, 2014, the Company classified the following currently performing loans as TDR:

	Balance at 12/31/13		New TDR		Loss or Foreclosure		Removed Due to Performance		Removed from (Taken to) Non-accrual		Balance at 9/30/14
	(Dollars in Thousands)
Non-residential real estate	$	—		10,271		—		—		—		10,271
Total performing TDR	$	—		10,271		—		—		—		10,271

At September 30, 2014, the Company’s level of loans classified as substandard was $38.4 million as compared to $42.6 million at December 31, 2013. At September 30, 2014, the Company’s classified loan to risk-based capital ratio was 33.7%. The Company’s specific reserve for impaired loans was $2.9 million at September 30, 2014, and $1.9 million at December 31, 2013. A summary of the level of classified loans at September 30, 2014, is as follows:

	Pass		Special Mention		Impaired Loans				Total		Specific Allowance for		Allowance for Performing Loans
September 30, 2014					Substandard		Doubtful				Impairment
	(Dollars in Thousands)
One-to-four family mortgages	$	142,425		203		5,022		—		147,650		131		1,232
Home equity line of credit		33,012		—		806		—		33,818		—		192
Junior liens		2,123		40		37		—		2,200		—		16
Multi-family		19,466		2,904		2,197		—		24,567		—		104
Construction		21,678		—		—		—		21,678		—		160
Land		14,380		362		10,819		—		25,561		703		382
Non-residential real estate		133,511		5,492		15,174		—		154,177		1,988		1,538
Farmland		40,364		516		1,826		—		42,706		2		543
Consumer loans		14,554		21		321		—		14,896		74		528
Commercial loans		69,320		325		2,204		—		71,849		8		532
Total	$	490,833		9,863		38,406		—		539,102		2,906		5,227

Net Interest Income

For the three month period ended September 30, 2014, the Company’s net interest income was $6.8 million, compared to $6.4 million for the three month period ended June 30, 2014, and $6.3 million for the three month period ended September 30, 2013. For the three month period ended September 30, 2014, the Company’s net interest margin was 3.22%, as compared to 3.04% for the three month period ended September 30, 2013, and 3.02% for the three month period ended June 30, 2014. The increase in net interest income was due in part to the collection of $280,000 in interest from a loan that was previously classified as non-accrual. In addition to an increase in loan interest income, the Company’s interest expense decline by $168,000 for the three month period ended September 30, 2014, as compared to the three month period ended June 30, 2014. For the three month period ended September 30, 2014, the additional $280,000 of interest collected on non-accrual loans added 0.21% to the Company’s yield on loans and 0.13% to the Company’s net interest margin.

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HFBC Reports Third Quarter Results

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October 28, 2014

Net Interest Income (continued)

For the nine month period ended September 30, 2014, the Company’s net interest income was $19.5 million, as compared to $18.9 million for the nine month period ended September 30, 2013. For the nine month period ended September 30, 2014, the Company’s interest expense on deposits was $4.3 million as compared to $5.6 million for the nine month period ended September 30, 2013. For the nine month period ended September 30, 2014, the Company’s net interest margin was 3.12%, as compared to 2.98% for the nine month period ended September 30, 2013. For the nine month period ended September 30, 2014, the additional $280,000 of interest collected on non-accrual loans added 0.07% to the Company’s yield on loans and 0.05% to the Company’s net interest margin.

Non-interest Income

Non-interest income for the three month period ended September 30, 2014, was $2.4 million, as compared to $1.8 million for the three month period ended September 30, 2013, and $1.9 million for the three month period ended June 30, 2014. The increase in non-interest income for the three month period ended September 30, 2014, as compared to the three month period ended September 30, 2013, was primarily the result of a $400,000 impairment charge on an investment security incurred in September of 2013. For the three month period ended September 30, 2014, mortgage origination income was $316,000 as compared to $147,000 for the three month period ended September 30, 2013, and $133,000 for the three month period ended June 30, 2014.

For the nine month period ended September 30, 2014, non-interest income was $5.9 million, a decline of $1.1 million as compared to the nine month period ended September 30, 2013. For the nine month period ended September 30, 2014, the Company earned $548,000 from gains on the sale of securities as compared to $1.6 million for the nine month period ended September 30, 2013. For the nine month period ended September 30, 2014, service charge income declined by $234,000, as compared to the nine month period ended September 30, 2013.

Non-interest Expense

On a linked quarter basis, the Company’s non-interest expenses increased by $116,000. The most significant increases in operating expenses was a $189,000 increase in salaries and benefits expense and a $137,000 increase in other operating expenses. During the same link quarter basis, the Company’s losses on real estate owned and expenses related to other real estate owned declined by $67,000 and $121,000, respectively.

For the three month period ended September 30, 2014, non-interest expenses increased by $579,000, as compared to the three month period ended September 30, 2013. For the three month period ended September 30, 2014, the Company’s salary expense increased by $146,000, state bank taxes increased by $203,000, and other expenses increased by $271,000, respectively, as compared to the three month period ended September 30, 2013. For the three month period ended September 30, 2014, other expenses increased by $271,000 due to operating losses in tax advantaged partnerships. For the three month period ended September 30, 2014, the Company experienced a $96,000 decline in professional services, a $97,000 decline in occupancy expenses and a $107,000 decline in expenses related to other real estate owned, respectively, as compared to the three month period ended September 30, 2013.

For the nine month period ended September 30, 2014, non-interest expenses were $22.3 million, an increase of $1,000,000 as compared to the nine month period ended September 30, 2013. For the nine month period ended September 30, 2014, the Company experienced increases of $246,000 in data processing expenses, a $558,000 increase in state bank taxes, a $167,000 increases in losses on the sale of real estate and $298,000 increase in other expenses, respectively, as compared to the nine month period ended September 30, 2013. During the nine month period ended September 30, 2014, the Company experienced a significant decline in professional services expenses, and occupancy expenses as compared to the nine month period ended September 30, 2013.

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HFBC Reports Third Quarter Results

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October 28, 2014

Balance Sheet

At September 30, 2014, consolidated assets were $929.7 million, a decline of $44 million as compared to December 31, 2013. For the nine month period ended September 30, 2014, the Company experienced a $38.3 million decrease in time deposits, a $6.5 million decrease in FHLB borrowings, a $20.5 million decrease in cash and cash equivalents and a $12.9 million decrease in net loan balances compared to December 31, 2013. The Company continues to re-price its liabilities while working to generate additional loan relationships.

The Company

Prior to June 5, 2013, HopFed Bancorp, Inc. was a federally chartered savings and loan holding company with Heritage Bank as its wholly owned thrift subsidiary. On June 5, 2013, Heritage Bank’s legal name was changed to Heritage Bank USA, Inc., and its charter was converted to a Kentucky state chartered commercial bank with the Kentucky Department of Financial Institutions and the Federal Deposit Insurance Corporation as its regulators. Also on June 5, 2013, HopFed Bancorp, Inc. became a non-member federally chartered commercial bank holding company regulated by the Federal Reserve Board. HopFed Bancorp, Inc. is the holding company for Heritage Bank USA, Inc. headquartered in Hopkinsville, Kentucky. The Bank has eighteen offices in western Kentucky and middle Tennessee. The Company has two additional operating divisions including Heritage Wealth Management of Murray, Kentucky, Hopkinsville, Kentucky, and Clarksville, Tennessee, which offers a broad line of financial services. Heritage Mortgage Services of Clarksville, Tennessee, offers long term fixed rate 1- 4 family mortgages loans that are originated for the secondary market in all communities in the Company’s general market area. The Bank offers a broad line of banking and financial products and services with the personalized focus of a community banking organization. More information about HopFed Bancorp and Heritage Bank USA, Inc. may be found on its website www.bankwithheritage.com.

Forward-Looking Information

Information contained in this press release, other than historical information, may be considered forward-looking in nature and is subject to various risk, uncertainties, and assumptions. Should one or more of these risks or uncertainties materialize, or should the underlying assumptions prove incorrect, actual results may vary materially from those anticipated, estimated or expected. Among the key factors that may have a direct bearing on the Company’s operating results, performance or financial condition are competition and the demand for the Company’s products and services, and other factors as set forth in filings with the Securities and Exchange Commission. The Company undertakes no duty to update any forward-looking statement to conform the statement to actual results or changes in the Company’s expectations. Certain tabular presentations may not reconcile because of rounding.

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HFBC Reports Third Quarter Results

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October 28, 2014

HOPFED BANCORP, INC.

Consolidated Condensed Balance Sheets

(Dollars in thousands)

	September 30, 2014		December 31, 2013
	(unaudited)
Assets
Cash and due from banks	$	18,673		37,229
Interest-earning deposits		16,712		18,619
Cash and cash equivalents		35,385		55,848
Federal Home Loan Bank stock, at cost		4,428		4,428
Securities available for sale		311,685		318,910
Loans held for sale		483		—
Loans receivable, net of allowance for loan losses of $8,133 at September 30, 2014, and $8,682 at December 31, 2013		530,759		543,632
Accrued interest receivable		4,659		5,233
Real estate and other assets owned		1,954		1,674
Bank owned life insurance		9,903		9,677
Premises and equipment, net		22,926		23,108
Deferred tax assets		2,189		4,610
Intangible asset		49		130
Other assets		5,266		6,399
Total assets	$	929,686		973,649
Liabilities and Stockholders’ Equity
Liabilities:
Deposits:
Non-interest-bearing accounts	$	108,217		105,252
Interest-bearing accounts:
Interest-bearing checking accounts		179,914		183,643
Savings and money market accounts		96,426		92,106
Other time deposits		343,669		381,996
Total deposits		728,226		762,997
Advances from Federal Home Loan Bank		40,269		46,780
Repurchase agreements		46,329		52,759
Subordinated debentures		10,310		10,310
Advances from borrowers for taxes and insurance		849		521
Dividends payable		301		326
Accrued expenses and other liabilities		4,313		4,239
Total liabilities		830,597		877,932

This information is preliminary and based on Company data available at the time of the presentation.

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HFBC Reports Third Quarter Results

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October 28, 2014

HOPFED BANCORP, INC.

Consolidated Condensed Balance Sheets, Continued

(Dollars in thousands)

	September 30, 2014			December 31, 2013
	(unaudited)
Stockholders’ equity:
Preferred stock, par value $0.01 per share; authorized - 500,000 shares; no shares issued and outstanding at September 30, 2014, and December 31, 2013		—			—
Common stock, par value $.01 per share; authorized 15,000,000 shares; 7,949,665 issued and 7,211,055 outstanding at September 30, 2014, and 7,927,287 issued and 7,447,903 outstanding at December 31, 2013		79			79
Additional paid-in-capital		58,416			58,302
Retained earnings		47,049			44,694
Treasury stock- common (at cost, 738,610 shares at September 30, 2014, and 479,384 shares at December 31, 2013)		(8,956	)		(5,929	)
Accumulated other comprehensive income (loss), net of taxes		2,501			(1,429	)
Total stockholders’ equity		99,089			95,717
Total liabilities and stockholders’ equity	$	929,686			973,649

This information is preliminary and based on Company data available at the time of the presentation.

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HFBC Reports Third Quarter Results

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October 28, 2014

HOPFED BANCORP, INC.

Consolidated Condensed Statements of Income

(Dollars in thousands)

Unaudited

	For the Three Month Periods Ended September 30,						For the Nine Month Periods Ended September 30,
	2014			2013			2014			2013
Interest income:
Loans receivable	$	6,913			6,605			19,743			20,163
Securities available for sale - taxable		1,562			1,641			5,035			5,237
Securities available for sale - nontaxable		514			544			1,589			1,676
Interest-earning deposits		5			5			19			18
Total interest income		8,994			8,795			26,386			27,094
Interest expense:
Deposits		1,354			1,622			4,313			5,604
Advances from Federal Home Loan Bank		430			445			1,292			1,335
Repurchase agreements		228			245			722			717
Subordinated debentures		174			184			551			548
Total interest expense		2,186			2,496			6,878			8,204
Net interest income		6,808			6,299			19,508			18,890
Provision for loan losses		(892	)		426			(773	)		1,208
Net interest income after provision for loan losses		7,700			5,873			20,281			17,682
Non-interest income:
Other-than-temporary impairment loss on debt securities		—			(511	)		—			(511	)
Portion of losses recognized in other comprehensive income		—			111			—			111
Net impairment losses recognized in earnings		—			(400	)		—			(400	)
Service charges		879			949			2,505			2,739
Merchant card income		265			245			800			727
Mortgage origination revenue		316			147			507			559
Gain on sale of securities		294			201			548			1,617
Income from bank owned life insurance		65			88			226			250
Financial services commission		363			314			737			958
Other operating income		211			225			613			630
Total non-interest income		2,393			1,769			5,936			7,080

This information is preliminary and based on Company data available at the time of the presentation.

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HFBC Reports Third Quarter Results

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October 28, 2014

HOPFED BANCORP, INC.

Consolidated Condensed Statements of Income, Continued

(Dollars in thousands, except share and per share data)

(Unaudited)

	For the Three Month Periods Ended September 30,						For the Nine Month Periods Ended September 30,
	2014			2013			2014		2013
Non-interest expenses:
Salaries and benefits	$	3,881			3,735			11,368		11,297
Occupancy		781			878			2,498		2,605
Data processing		730			652			2,194		1,948
State bank tax		346			143			990		432
Intangible amortization		16			33			81		130
Professional services		397			493			1,025		1,435
Deposit insurance and examination		182			137			562		548
Advertising		368			292			1,023		933
Postage and communications		140			149			423		427
Supplies		156			159			459		388
Loss (gain) on real estate owned		35			(54	)		160		(7	)
Real estate owned expense (refund)		(29	)		78			193		186
Other operating expenses		560			289			1,358		1,060
Total non-interest expense		7,563			6,984			22,334		21,382
Income before income tax		2,530			658			3,883		3,380
Income tax expense		577			122			651		694
Net income		1,953			536			3,232		2,686
Net income per share:
Basic	$	0.27		$	0.07		$	0.44	$	0.36
Diluted	$	0.27		$	0.07		$	0.44	$	0.36
Dividend per share	$	0.04		$	0.04		$	0.12	$	0.08
Weighted average shares outstanding - basic		7,265,597			7,483,582			7,348,708		7,483,606
Weighted average shares outstanding - diluted		7,265,597			7,483,582			7,348,708		7,483,606

This information is preliminary and based on Company data available at the time of the presentation.

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HFBC Reports Third Quarter Results

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October 28, 2014

HOPFED BANCORP, INC.

Selected Financial Data

(Dollars in thousands)

	For the Three Months Ended						Change from Prior Quarter
	9/30/2014			6/30/2014
Interest income:
Loans receivable	$	6,913			6,503			410
Securities available for sale - taxable		1,562			1,694			(132	)
Securities available for sale - nontaxable		514			531			(17	)
Interest-earning deposits		5			6			(1	)
Total interest income		8,994			8,734			260
Interest expense:
Deposits		1,354			1,488			(134	)
Advances from Federal Home Loan Bank		430			428			2
Repurchase agreements		228			245			(17	)
Subordinated debentures		174			193			(19	)
Total interest expense		2,186			2,354			(168	)
Net interest income		6,808			6,380			428
Provision for loan losses		(892	)		(261	)		(631	)
Net interest income after provision for loan losses		7,700			6,641			1,059
Non-interest income:
Service charges		879			848			31
Merchant card income		265			276			(11	)
Mortgage orgination revenue		316			133			183
Gain on sale of securities		294			241			53
Income from bank owned life insurance		65			66			(1	)
Financial services commission		363			168			195
Other operating income		211			213			(2	)
Total non-interest income		2,393			1,945			448

This information is preliminary and based on Company data available at the time of the presentation

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HFBC Reports Third Quarter Results

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October 28, 2014

HOPFED BANCORP, INC.

Selected Financial Data

(Dollars in thousands, except share and per share data)

	For the Three Months Ended					Change from Prior Quarter
	9/30/2014			6/30/2014
Non-interest expenses:
Salaries and benefits	$	3,881			3,692		189
Occupancy		781			808		(27	)
Data processing		730			736		(6	)
Bank franchise tax		346			398		(52	)
Intangible amortization		16			33		(17	)
Professional services		397			341		56
Deposit insurance and examination		182			183		(1	)
Advertising		368			341		27
Postage and communications		140			140		—
Supplies		156			158		(2	)
Loss (gain) on real estate owned		35			102		(67	)
Real estate owned expense (refund)		(29	)		92		(121	)
Other operating expenses		560			423		137
Total non-interest expense		7,563			7,447		116
Income before income tax expense		2,530			1,139		1,391
Income tax expense		577			214		363
Net income	$	1,953		$	925	$	1,028
Net income per share:
Basic	$	0.27		$	0.13	$	0.14
Diluted	$	0.27		$	0.13	$	0.14
Dividend per share	$	0.04		$	0.04
Weighted average shares outstanding - basic		7,265,597			7,376,726
Weighted average shares outstanding - diluted		7,265,597			7,376,726

This information is preliminary and based on Company data available at the time of the presentation.

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HFBC Reports Third Quarter Results

Page 12

October 28, 2014

The table below adjusts tax-free investment income for the nine month periods ended September 30, 2014, and September 30, 2013, by $774,000 and $812,000, respectively, for a tax equivalent rate using a cost of funds rate of 1.25% for the nine month period ended September 30, 2014, and 1.40% for the nine month period ended September 30, 2013. The table adjusts tax-free loan income by $9,000 and $6,000, respectively, for nine month periods ended September 30, 2014, and September 30, 2013, respectively, for a tax equivalent rate using the same cost of funds rate:

	Average Balance 9/30/2014		Income and Expense 9/30/2014			Average Rates 9/30/2014			Average Balance 9/30/2013		Income and Expense 9/30/2013			Average Rates 9/30/2013
	(Table Amounts in Thousands, Except Percentages)
Loans	$	535,659		19,752			4.92	%	$	527,054		20,169			5.10	%
Investments AFS taxable		259,615		5,035			2.59	%	$	275,934		5,237			2.53	%
Investment AFS tax free		63,321		2,363			4.98	%	$	71,269		2,488			4.66	%
Interest bearing deposits		9,819		19			0.26	%	$	8,851		18			0.27	%
Total interest earning assets		868,414		27,169			4.17	%		883,108		27,912			4.21	%
Other assets		73,550								79,779
Total assets	$	941,964							$	962,887
Retail time deposits	$	307,307		2,786			1.21	%	$	370,917		4,018			1.44	%
Brokered deposits		39,741		401			1.35	%		44,002		525			1.59	%
Saving & MMDA		96,278		145			0.20	%		84,823		109			0.17	%
Now accounts		191,925		981			0.68	%		163,493		952			0.78	%
FHLB borrowings		44,985		1,292			3.83	%		43,602		1,335			4.08	%
Repurchase agreements		41,386		722			2.33	%		41,556		717			2.30	%
Subordinated debentures		10,310		551			7.13	%		10,310		548			7.09	%
Total interest bearing liabilities		731,932		6,878			1.25	%		758,703		8,204			1.44	%
Non-interest bearing deposits		105,325								94,695
Other liabilities		5,026								4,361
Stockholders’ equity		99,681								105,128
Total liabilities and stockholders’ equity	$	941,964							$	962,887
Net interest income				20,291								19,708
Net interest spread							2.92	%							2.77	%
Net interest margin				3.12	%							2.98	%

This information is preliminary and based on Company data available at the time of the presentation.

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HFBC Reports Third Quarter Results

Page 13

October 28, 2014

HOPFED BANCORP, INC.

Selected Financial Data

The table below adjusts tax-free investment income for the three month periods ended September 30, 2014, and September 30, 2013, by $251,000 and $264,000, respectively, for a tax equivalent rate using a cost of funds rate of 1.20% for the three month period ended September 30, 2014, and 1.35% for the three month period ended September 30, 2013. The table adjusts tax-free loan income by $3,000 for three month period ended September 30, 2014, and $2,000 for the three month period ended September 30, 2013, respectively, for a tax equivalent rate using the same cost of funds rate:

	Average Balance 9/30/2014		Income and Expense 9/30/2014			Average Rates 9/30/2014			Average Balance 9/30/2013		Income and Expense 9/30/2013			Average Rates 9/30/2013
	(Table Amounts in Thousands, Except Percentages)
Loans	$	535,774		6,916			5.16	%	$	530,086		6,607			4.99	%
Investments AFS taxable		265,853		1,562			2.35	%		260,326		1,641			2.52	%
Investment AFS tax free		65,298		765			4.69	%		66,882		808			4.83	%
Interest bearing deposits		10,917		5			0.18	%		7,237		5			0.28	%
Total interest earning assets		877,842		9,248			4.21	%		864,531		9,061			4.19	%
Other assets		75,617								75,930
Total assets	$	953,459							$	940,461
Retail time deposits		320,008		896			1.12	%		352,291		1,141			1.30	%
Brokered deposits		42,605		110			1.03	%		43,353		163			1.50	%
Savings & MMDA		94,522		49			0.21	%		87,687		39			0.18	%
Now accounts		190,329		299			0.63	%		159,419		279			0.70	%
FHLB borrowings		42,970		430			4.00	%		43,634		445			4.08	%
Repurchase agreements		46,765		228			1.95	%		43,448		245			2.26	%
Subordinated debentures		10,310		174			6.75	%		10,310		184			7.14	%
Total interest bearing liabilities		747,509		2,186			1.17	%		740,142		2,496			1.35	%
Non-interest bearing deposits		103,112								96,343
Other liabilities		4,660								5,013
Stockholders’ equity		98,178								98,963
Total liabilities and stockholders’ equity	$	953,459							$	940,461
Net interest income				7,062								6,565
Interest rate spread							3.04	%							2.84	%
Net interest margin				3.22	%							3.04	%

This information is preliminary and based on Company data available at the time of the presentation.

-END-