ASSET QUALITY May 31, 2013 Loans Past Due More Than 30 Days$ 0.00Million Nonaccrual Loans$ 0.00Million Repossessed Assets And Real Estate Owned From Loan Defaults0.00Million Real Estate Owned From Branch Restructuring 1.29Million Total Nonperforming Assets$ 1.29Million Total Nonperforming Assets As A Percentage Of Total Assets0.40%

YEAR-OVER-YEAR NONINTEREST EXPENSE IMPROVEMENT First Quarter 2012 First Quarter 2013 First Quarter 2013 Excluding $136,000 of Branch Closing Expense Comparing First Quarter 2012 to First Quarter 2013 Ex-Item $2,081,000$1,969,000$1,833,000$248,000 Decrease

FULL-TIME-EQUIVALENT EMPLOYEES (“FTEs”) AND ASSETS PER EMPLOYEE COMPARISONS March 31, 2011 FTEs March 31, 2013 FTEsPercentage Change % March 31, 2011 Assets Per Employee March 31, 2013 Assets Per EmployeePercentage Change $4.77 Million$7.34 Million+53.9%

OPERATING COMPARISON OF MILITARY HIGHWAY AND LYNNHAVEN BRANCHES February 2013 Military Highway BranchLynnhaven Branch Year opened Deposits at February 28, 2013 $12.2 Million$67.7 Million Demand Deposits at February 28, 2013 $ 3.0 Million$34.3 Million Teller Transactions in February ,0851,504