Exhibit 99.1

Bryn Mawr Bank Corporation

FOR RELEASE:

IMMEDIATELY

FOR MORE INFORMATION CONTACT:	Ted Peters, Chairman
	610-581-4800 or
	610-525-2531 (evening)
	tpeters@bmtc.com
	J. Duncan Smith, CFO
	610-526-2466 or
	610-306-8489 (evening)
	jdsmith@bmtc.com

Bryn Mawr Bank Corporation Reports First Quarter Diluted Earnings Per Share of $0.34

BRYN MAWR, Pa. April 23, 2008 - Bryn Mawr Bank Corporation, (NASDAQ: BMTC), (the “Corporation”), parent of The Bryn Mawr Trust Company (the “Bank”), today announced financial results for the first quarter ended March 31, 2008.

The Corporation reported first quarter 2008 diluted earnings per share of $0.34 and net income of $2.9 million compared to diluted earnings per share of $0.46 and net income of $3.9 million in the same period last year. First quarter 2007 diluted earnings per share and net income were $0.36 and $3.1 million, respectively, after excluding $0.10 per diluted share and $866 thousand, respectively, relating to a 2007 gain on the sale of real estate. Diluted earnings per share and net income decreased $0.02 and $212 thousand, respectively, from the first quarter of 2007 (after excluding the impact of the real estate gain) to the first quarter of 2008.

Factors contributing to the decrease in net income include an increase in the provision for loan and lease losses due to charge-offs in the leasing portfolio, increased operating costs directly

1

attributable to the six new business initiatives started over the past two years and continued net interest margin pressure. The net interest margin for the first quarter of 2008 was 3.97% compared with 4.11% in the fourth quarter of 2007 and 4.65% in the first quarter of 2007.

Ted Peters, Chairman and Chief Executive Officer, said “The rapid first quarter drop in loan rates was not followed by a commensurate decrease in deposit pricing, resulting in continued compression of our net interest margin. However, the Corporation has approximately $113 million of borrowed funds and wholesale certificates of deposit that will reprice over the last three quarters of the year. The increased charge-offs in our lease portfolio, in part, reflect the difficult credit environment in some areas of the country.”

Additionally, Mr. Peters stated, “Plans for 2008 include securing trust powers in Delaware, the opening of our Chester County regional banking office, and building out our new separately managed account platform with additional investment options.”

Return on average equity (ROE) and return on average assets (ROA) for the quarter ended March 31, 2008 were 12.83 % and 1.23%, respectively. ROE was 19.43% (15.22% excluding the real estate gain) and ROA was 2.03% (1.59% excluding the real estate gain) for the same period last year.

Total portfolio loans and leases at March 31, 2008 were $817 million, an increase of $125 million or 18.1% from $692 million at March 31, 2007 and an increase of $14 million or 6.9% (annualized) from 2007 year end balances of $803 million. Growth in the loan and lease portfolio in the first quarter of 2008 was concentrated in commercial and industrial loans, home equity related loans, and leases, partially offset by declines in residential mortgages. Leases at March 31, 2008 of $51 million were 6.3% of total portfolio loans and leases, up from 5.6% at year end and 2.4% at March 31, 2007.

Net charge-offs for the first quarter of 2008 of $620 thousand, primarily leasing related, had a significant impact on the first quarter 2008 provision of $854 thousand. Total non-performing loans and leases at March 31, 2008 of $1.1 million were 13 basis points of period end loans and

2

leases down from 2007 year end non-performing totals of $2.0 million or 25 basis points, respectively. The allowance for loan and lease losses of $8.4 million represents 1.02% of loans and leases compared with 1.01% at the end of 2007.

During the first quarter of 2008, the Corporation increased its investment securities portfolio by $48 million or 100.1% to $97 million from $48 million at the end of 2007. The primary purpose of these additional investment securities was to increase overall liquidity and borrowing capacity while also taking advantage of the significant interest rate spread to treasuries of federal agency mortgage backed securities. Average quarterly earning assets grew $141 million or 19.2% to $880 million in the first quarter of 2008 from $739 million in the first quarter of 2007.

The first quarter of 2008 marked the first quarter of significant growth in interest bearing checking, money market and savings account balances since 2004, as first quarter average balances increased 6.4% or $18 million to $305 million from $286 million in the fourth quarter of 2007. This increase in average balances is attributed to a change in customer behavior in part due to the combined effect of the decline in the equity markets and lower overall interest rates. Average first quarter 2008 non-interest bearing balances of $143 million are approximately $6 million or 4.1% lower than fourth quarter 2007 averages due in part to better cash management practices of our commercial banking customers. The significant decline in period end non-interest bearing balances at March 31, 2008 from December 31, 2007 are primarily related to the approximately $70 million of short term customer deposit inflows on deposit at December 31, 2007.

Wholesale funding, which is defined as wholesale deposits (primarily certificates of deposit ) and borrowed funds, of $234 million at March 31, 2008 increased $59 million or 34.0% from year end 2007 balances of $175 million, primarily due to the increase in the investment portfolio discussed earlier. Wholesale funding as a percentage of total funding was 27.0% at March 31, 2008 compared to 19.5% at December 31, 2007.

The tax equivalent net interest margin was 3.97% in the first quarter of 2008 compared with 4.11% and 4.65% in the fourth and first quarters of 2007, respectively. The Corporation’s first

3

quarter funding costs of 5.03% on wholesale certificates of deposit and 3.83% on borrowed funds are expected to decline later this year as $113 million of these obligations mature and reprice at anticipated lower rates. Additional rate relief is also expected as other time deposits reprice over the next six months. These anticipated funding cost reductions may partially reduce some of the margin erosion caused by the 200 basis point decline in the prime rate that occurred in the first quarter of 2008. Despite the decline in the tax equivalent net interest margin discussed earlier, the tax equivalent net interest income increased $204 thousand or 2.5% to $8.7 million in the first quarter of 2008 from the fourth quarter of 2007.

Non-interest income for the first quarter of 2008 was $5.6 million, an increase of $817 thousand or 17.0% over the $4.8 million in the first quarter of 2007 after the exclusion of the $1.3 million (pre-tax) real estate gain. Factors contributing to this increase in non-interest income include revenue from a May 2007 BOLI investment, first quarter 2008 investment security gains and the settlement of an interest rate floor contract in the first quarter of 2008. First quarter 2008 wealth revenue of $3.3 million, which was nominally higher than first quarter 2007, was impacted by lower stock market levels, lower fees from estate settlements and the loss of a significant institutional client due to a business merger in the fourth quarter of 2007. Non-interest income from residential mortgage operations, fees from loan servicing and late fees and service charges on deposit accounts in the first quarter of 2008 were all higher than first quarter 2007 amounts.

Non-interest expense for the first quarter of 2008 was $9.1 million, an increase of $644 thousand or 7.6% over $8.4 million in the first quarter of 2007. The primary reason for this increase is the additional staffing and benefit costs relating to the Corporation’s six 2006/2007 initiatives. Also contributing to the increase is higher Federal Deposit Insurance costs, as a one time credit issued to banks in existence prior to 1997 was exhausted during the first quarter of 2008. Amortization of mortgage servicing rights for the first quarter includes $49 thousand of impairment relating to higher rate serviced mortgages. The freeze of the Corporation’s qualified defined benefit pension plan which was announced earlier this year is effective March 31, 2008 and should result in reduced pension costs over the balance of 2008.

4

First quarter 2008 diluted earnings per share of $0.34 were $.02 lower than the fourth quarter of 2007. First quarter 2008 net income of $2.9 million is $180 thousand lower than net income for the fourth quarter of 2007. The decline in net income is the sum of several items, most significantly being a $453 thousand increase in the provision for loan and lease losses which was offset by first quarter securities gains and the other income generated by the interest rate floor contract settlement. Despite the decline in the tax equivalent net interest margin (3.97% in the first quarter of 2008 compared to 4.11% in the fourth quarter of 2007), first quarter 2008 tax equivalent net interest income of $8.7 million was only $43 thousand or 0.5% lower than the fourth quarter of 2007, due to a 4.6% increase in average earning assets. Other items contributing to the decline in first quarter 2008 net income were lower Wealth Division revenues due to the first quarter 2008 decline in the stock market, lower estate settlement fees and the loss of an institutional client discussed earlier. Other non-interest expenses were higher, primarily due to the timing of marketing costs and increased FDIC insurance premiums.

Return on average equity (ROE) and return on average assets (ROA) for the quarter ended March 31, 2008 were 12.83 % and 1.23%, respectively. ROE was 13.73% and ROA was 1.34% for the fourth quarter of last year.

In other business, the Corporation’s Board of Directors declared a regular quarterly dividend of $0.13 per share, payable June 1, 2008, to shareholders of record as of May 6, 2008.

As previously announced, the Corporation will hold an earnings conference call at 9:00 a.m. EDT on Thursday, April 24, 2008. Interested parties may participate by calling 973-582-2734 at 8:55 a.m. EDT and referencing conference PIN # 41867299. A taped replay of the conference call will be available within two hours of the conclusion of the call and will remain available through Thursday, July 24, 2008. The number to call for the taped replay is 706-645-9291 and the conference PIN is 41867299.

The conference call will be simultaneously broadcast live over the Internet through a web cast on the investor relations portion of the Bryn Mawr Bank Corporation’s website. To access the call, please visit the website at http://www.bmtc.com/investor_01.cfm. An online archive of the web

5

cast will be available within two hours of the conclusion of the call. The Corporation has also recently expanded its Investor Relations website to include added resources and information for shareholders and interested investors. Interested parties are encouraged to utilize the expanded resources of the site for more information on Bryn Mawr Bank Corporation.

This release contains non-GAAP measures. A non-GAAP financial measure is a numerical measure of a company’s performance, financial position, or cash flows that either exclude or include amounts that are not normally excluded or included in the most directly comparable measure calculated and presented in accordance with generally accepted accounting principles (GAAP). To supplement the Corporation’s financial statements presented in accordance with GAAP, we report certain key financial measurements without the impact of a material real estate transaction.

The Corporation’s management uses these non-GAAP measures in its analysis of the Corporation’s performance. These non-GAAP measures consist of adjusting net income, non-interest income, diluted earnings per share, ROE, and ROA determined in accordance with GAAP to exclude the effects of the real estate gain in the first quarter of 2007 (i.e. year to date).

The Corporation’s Management believes that the inclusion of these non-GAAP financial measures provides useful supplemental information essential to the proper understanding of the operating results of the Corporation’s core business. These measures should be considered in addition to results prepared in accordance with GAAP, and are not substitutes for, or superior to, GAAP results. The non-GAAP measures are provided to enhance investors’ overall understanding of our current financial performance. These non-GAAP measures have been reconciled to the nearest GAAP measure in the accompanying schedule.

This release contains certain forward-looking statements. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include the words believe, expect, anticipate, intend, plan, target, estimate or words of similar meaning. Forward-looking statements, by their nature, are subject to risks and uncertainties. A number of factors, many of which are beyond the Corporation’s control, could cause actual conditions, events or results to differ significantly from those described in the forward-looking statements. Forward-looking statements speak only as of the date they are made. The Corporation does not undertake to update forward-looking statements.

# # # #

6

Bryn Mawr Bank Corporation

Reconciliation of Non-GAAP Information

(dollars in thousands, except per share data)

(unaudited)

	Three Month Period Ended March 31,
	Net Income					Change				Non-interest income						Change
	2008		2007			$		%		2008			2007			$			%
As reported (GAAP)	$	2,898	$	3,976		($1,078	)	(27.1	)%	$	5,630		$	6,146			($516	)	(8.4	%)
Non-GAAP adjustment 1		—		(866	)	866		20.3	%		—			(1,333	)		1,333		25.4	%
Adjusted (Non-GAAP)	$	2,898	$	3,110		($212	)	(6.8	%)	$	5,630		$	4,813		$	817		17.0	%
	Diluted Earnings Per Share					Change				ROE						ROA
	2008		2007			$		%		2008			2007			2008			2007
As reported (GAAP)	$	0.34	$	0.46		($0.12	)	(26.1	%)		12.83	%		19.43	%		1.23	%	2.03	%
Non-GAAP adjustment 1		—		(0.10	)	0.10		20.5	%		0.00	%		(4.21	%)		0.00	%	(0.44	%)
Adjusted (Non-GAAP)	$	0.34	$	0.36		($0.02	)	(5.6	)%		12.83	%		15.22	%		1.23	%	1.59	%

1) The Corporation uses this non-GAAP (Generally Accepted Accounting Principals) financial information in its analysis of the Corporation’s performance. This non-GAAP data should be considered in addition to results prepared in accordance with GAAP, and are not a substitute for, or superior to, GAAP results. The non-GAAP adjustment in the first quarter of 2007 represents the reduction of the effect of the after tax gain on sale of real estate of $866,000. The gain was calculated as the excess of the net sale proceeds over net book value, less income taxes.

Bryn Mawr Bank Corporation

Consolidated Selected Financial Data (GAAP)

(Dollars in thousands, except per share data)

March 31, 2008

(unaudited)

	For The Three Months Ended
	Mar 31, 2008			Dec 31, 2007			Sep 30, 2007			Jun 30, 2007			Mar 31, 2007
Interest income	$	14,062		$	14,300		$	14,147		$	13,250		$	12,521
Interest expense		5,454			5,647			5,448			4,736			4,145
Net interest income		8,608			8,653			8,699			8,514			8,376
Provision for loan and lease losses		854			401			—			240			250
Net interest income after provision for loan and lease losses		7,754			8,252			8,699			8,274			8,126
Fees for wealth management services		3,312			3,482			3,310			3,423			3,287
Loan servicing and late fees		310			282			276			277			280
Service charges on deposits		392			385			363			356			360
Net gain on sale of real estate		—			—			—			—			1,333
Net gain on sale of OREO		—			—			—			110			—
Net gain on sale of loans		332			353			358			259			280
Net gain on sale of investments		222			—			—			—			—
BOLI income		143			165			175			84			—
Interest rate floor income		268			109			46			—			—
Other operating income		651			624			643			555			606
Noninterest income		5,630			5,400			5,171			5,064			6,146
Salaries and wages		4,479			4,551			4,536			3,981			4,048
Employee benefits		1,332			1,214			1,056			1,057			1,221
Occupancy and bank premises		750			725			739			712			686
Furniture fixtures and equipment		549			536			522			513			507
Advertising		272			118			237			355			316
Amortization of mortgage servicing rights		125			91			88			77			92
Professional fees		319			372			342			470			401
Other expenses		1,253			1,384			1,260			1,588			1,164
Noninterest expense		9,079			8,991			8,780			8,753			8,435
Income before income taxes		4,305			4,661			5,090			4,585			5,837
Income tax expense		1,407			1,583			1,635			1,494			1,861
Net income	$	2,898		$	3,078		$	3,455		$	3,091		$	3,976
Per share data:
Weighted average shares outstanding		8,534,467			8,522,325			8,520,843			8,542,066			8,575,172
Dilutive potential common shares		28,413			64,609			76,385			112,040			121,519
Adjusted weighted average dilutive shares		8,562,880			8,586,934			8,597,228			8,654,106			8,696,691
Basic earnings per common share	$	0.34		$	0.36		$	0.41		$	0.36		$	0.46
Diluted earnings per common share	$	0.34		$	0.36		$	0.40		$	0.36		$	0.46
Dividend declared per share	$	0.13		$	0.13		$	0.13		$	0.12		$	0.12
Effective tax rate		32.7	%		34.0	%		32.1	%		32.6	%		31.9	%

Note: Certain prior period amounts have been reclassified to conform to current period presentation.

Bryn Mawr Bank Corporation

Consolidated Selected Financial Data (GAAP)

(Dollars in thousands, except per share data )

March 31, 2008

(unaudited)

For the period end:	2008 1Q			2007 4Q			2007 3Q			2007 2Q			2007 1Q
Asset Quality Data
Nonaccrual loans and leases	$	1,065		$	747		$	852		$	654		$	389
90 + days past due loans and leases		15			1,263			4			41			28
Nonperforming loans and leases		1,080			2,010			856			695			417
Other non-performing assets		64			—			—			—			—
OREO		—			—			—			—			561
Nonperforming assets	$	1,144		$	2,010		$	856		$	695		$	978
Allowance for loan and lease losses	$	8,358		$	8,124		$	8,292		$	8,605		$	8,366
Allowance for loan and lease losses / loans and lease		1.02	%		1.01	%		1.07	%		1.16	%		1.21	%
Allowance for loan and lease losses / nonperforming loans and leases		774	%		404	%		969	%		1,238	%		2,006	%
Nonperforming loans and leases / portfolio loans		0.13	%		0.25	%		0.11	%		0.09	%		0.06	%
Nonperforming assets / assets		0.11	%		0.20	%		0.10	%		0.08	%		0.12	%
Net loan and lease charge-offs (recoveries)		620			569			313			1			6
Net loan and lease charge-offs (annualized) / average loans		0.31	%		0.31	%		0.17	%		0.00	%		0.00	%
For the period and period end:	2008 1Q			2007 4Q			2007 3Q			2007 2Q			2007 1Q
Selected ratios (annualized):
Return on average assets		1.23	%		1.34	%		1.56	%		1.49	%		2.03	%(2)
Return on average shareholders’ equity		12.83	%		13.73	%		15.90	%		14.66	%		19.43	%(2)
Yield on interest earning assets*		6.46	%		6.77	%		6.95	%		6.97	%		6.93	%
Cost of interest bearing funds		3.11	%		3.43	%		3.44	%		3.27	%		3.08	%
Net interest margin*		3.97	%		4.11	%		4.29	%		4.49	%		4.65	%
Tier 1 leverage ratio		10.23	%		10.42	%		10.55	%		10.95	%		11.34	%
Book value per share	$	10.89		$	10.60		$	10.43		$	10.11		$	9.97
Tangible book value per share	$	10.89		$	10.60		$	10.43		$	10.11		$	9.97
Period end shares outstanding		8,563,402			8,526,084			8,518,634			8,532,580			8,582,172
Selected data:
Mortgage loans originated	$	28,780		$	34,565		$	37,285		$	27,490		$	28,271
Mortgage loans sold - servicing retained	$	14,294		$	8,583		$	7,588		$	3,298		$	4,831
Mortgage loans sold - servicing released	$	11,058		$	12,852		$	17,249		$	19,521		$	14,844
Mortgage loans serviced for others	$	357,734		$	357,363		$	364,684		$	367,087		$	377,512
Brokerage assets (1)	$	87,759		$	85,338		$	95,357		$	85,003		$	77,624
Assets under management - other Institutions		—			—			423,301			419,819			416,819
Wealth assets under management / administration	$	2,053,207		$	2,191,753		$	2,251,951		$	2,212,514		$	2,105,552
Total Wealth assets under management / administration / brokerage	$	2,140,966		$	2,277,091		$	2,770,609		$	2,717,336		$	2,599,995

* Yield on Interest earning assets and net interest margin are calculated on a tax equivalent basis.

(1) Brokerage Assets represent assets held at a registered broker dealer under a networking agreement.

(2) ROA and ROE excluding the $866 thousand real estate gain were 1.59% and 15.22%, respectively.

Bryn Mawr Bank Corporation

Consolidated Selected Financial Data (GAAP)

(Dollars in thousands)

March 31, 2008

(unaudited)

Balance Sheet For the period ended:	Mar 31, 2008			Dec 31, 2007			Sep 30, 2007			Jun 30, 2007			Mar 31, 2007
Assets
Interest bearing deposits with banks	$	513		$	1,209		$	1,002		$	520		$	407
Fed funds sold		10,500			17,000			—			2,500			7,885
Investment securities		96,852			48,402			43,720			44,817			45,772
Loans held for sale		4,496			5,125			5,757			6,535			7,448
Portfolio loans:
Consumer		8,236			7,990			8,354			7,827			8,073
Commercial & industrial		221,125			213,834			209,516			191,484			179,483
Commercial mortgages		224,604			224,510			221,296			224,696			200,121
Construction		67,283			66,901			70,509			70,209			74,355
Residential mortgages		118,117			121,313			113,705			105,441			105,065
Home equity lines & loans		126,159			123,293			114,298			111,079			107,554
Leases		51,241			45,084			37,545			28,924			16,898
Total portfolio loans and leases		816,765			802,925			775,223			739,660			691,549
Earning assets		929,126			874,661			825,702			794,032			753,061
Cash and due from		23,043			76,965			21,330			22,533			25,114
Allowance for loan and lease losses		(8,358	)		(8,124	)		(8,292	)		(8,605	)		(8,366	)
Other assets		60,303			58,594			56,125			56,767			41,270
Total assets	$	1,004,114		$	1,002,096		$	894,865		$	864,727		$	811,079
Liabilities and shareholders’ equity
Interest-bearing checking	$	140,467		$	137,486		$	123,913		$	126,988		$	130,447
Money market		137,420			114,310			114,572			101,613			107,919
Savings		37,691			36,181			36,121			38,009			40,751
Wholesale deposits		123,775			129,820			114,565			121,750			65,270
Time deposits		179,136			203,462			194,199			186,045			166,967
Interest-bearing deposits		618,489			621,259			583,370			574,405			511,354
Non-interest bearing deposits		138,465			228,269			138,254			154,238			152,926
Total deposits		756,954			849,528			721,624			728,643			664,280
Borrowed funds		110,500			45,000			68,500			35,100			45,000
Other liabilities		43,423			17,217			16,176			15,018			16,509
Shareholders’ equity		93,237			90,351			88,565			85,966			85,290
Total liabilities and shareholders’ equity	$	1,004,114		$	1,002,096		$	894,865		$	864,727		$	811,079
Balance Sheet (average)	2008 1Q			2007 4Q			2007 3Q			2007 2Q			2007 1Q
Assets
Interest bearing deposits with banks	$	5,507		$	1,764		$	3,172		$	568		$	486
Fed funds sold		7,318			5,438			4,884			1,019			2,597
Investment securities		56,951			42,450			44,074			45,394			47,029
Loans held for sale		4,175			4,820			5,465			4,489			3,746
Portfolio loans and leases		806,410			787,059			754,249			716,734			684,870
Earning assets		880,361			841,531			811,844			768,204			738,728
Cash and due from		22,306			21,231			22,306			22,299			24,766
Allowance for loan and lease losses		(8,179	)		(8,347	)		(8,712	)		(8,537	)		(8,254	)
Other assets		54,908			54,450			54,231			47,617			38,454
Total assets	$	949,396		$	908,865		$	879,669		$	829,583		$	793,694
Liabilities and shareholders’ equity
Interest-bearing checking	$	143,027		$	130,161		$	132,180		$	131,893		$	133,252
Money market		124,799			120,298			108,437			104,812			107,978
Savings		36,862			35,952			37,278			39,072			40,143
Wholesale deposits		131,505			132,439			120,222			83,664			31,573
Time deposits		195,413			190,016			192,999			173,279			191,838
Interest-bearing deposits		631,606			608,866			591,116			532,720			504,784
Non-interest bearing deposits		142,532			148,717			148,858			148,105			149,420
Total deposits		774,138			757,583			739,974			680,825			654,204
Borrowed funds		66,071			44,592			37,319			47,720			40,363
Other liabilities		18,361			17,714			16,205			16,489			16,152
Shareholders’ equity		90,826			88,976			86,171			84,549			82,975
Total liabilities and shareholders’ equity	$	949,396		$	908,865		$	879,669		$	829,583		$	793,694

Quarterly Average Balances and Tax Equivalent Income and Expense and Tax Equivalent Yields

	1st Quarter 2008							4th Quarter 2007							3rd Quarter 2007							2nd Quarter 2007							1st Quarter 2007
(dollars in thousands)	Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid		Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid		Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid		Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid		Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid
Assets:
Interest-bearing deposits with other banks	$	5,507		$	42	3.07	%	$	1,764		$	21	4.72	%	$	3,172		$	42	5.25	%	$	568		$	7	4.94	%	$	486		$	6	5.01	%
Federal funds sold		7,318			60	3.30	%		5,438			61	4.45	%		4,884			65	5.28	%		1,019			14	5.51	%		2,597			34	5.31	%
Investment securities available for sale:
Taxable		49,251			617	5.04	%		37,325			474	5.04	%		39,090			500	5.07	%		40,393			514	5.10	%		42,023			529	5.11	%
Tax-exempt		7,700			93	4.86	%		5,125			58	4.49	%		4,984			57	4.54	%		5,001			59	4.73	%		5,006			58	4.70	%
Investment securities available for sale		56,951			710	5.01	%		42,450			532	4.97	%		44,074			557	5.01	%		45,394			573	5.06	%		47,029			587	5.06	%
Loans and leases *		810,585			13,321	6.61	%		791,879			13,755	6.89	%		759,714			13,558	7.08	%		721,223			12,747	7.09	%		688,616			11,993	7.06	%
Total interest earning assets		880,361			14,133	6.46	%		841,531			14,369	6.77	%		811,844			14,222	6.95	%		768,204			13,341	6.97	%		738,728			12,620	6.93	%
Cash and due from banks		22,306							21,231							22,306							22,299							24,766
Less allowance for loan and lease losses		(8,179	)						(8,347	)						(8,712	)						(8,537	)						(8,254	)
Other assets		54,908							54,450							54,231							47,617							38,454
Total assets	$	949,396						$	908,865						$	879,669						$	829,583						$	793,694
Liabilities:
Savings, NOW and market rate deposits	$	304,688		$	1,057	1.40	%	$	286,411		$	1,154	1.60	%	$	277,895		$	1,041	1.49	%	$	275,777		$	977	1.42	%	$	281,373		$	998	1.44	%
Wholesale deposits		131,505			1,646	5.03	%		132,439			1,741	5.22	%		120,222			1,630	5.38	%		83,664			1,132	5.43	%		31,573			422	5.42	%
Time deposits		195,413			2,115	4.35	%		190,016			2,213	4.62	%		192,999			2,282	4.69	%		173,279			1,982	4.59	%		191,838			2,184	4.62	%
Total interest-bearing deposits		631,606			4,818	3.07	%		608,866			5,108	3.33	%		591,116			4,953	3.32	%		532,720			4,091	3.08	%		504,784			3,604	2.90	%
Borrowed funds		66,071			636	3.83	%		44,592			539	4.80	%		37,319			495	5.26	%		47,720			645	5.42	%		40,363			541	5.44	%
Total interest-bearing liabilities		697,677			5,454	3.11	%		653,458			5,647	3.43	%		628,435			5,448	3.44	%		580,440			4,736	3.27	%		545,147			4,145	3.08	%
Noninterest-bearing deposits		142,532							148,717							148,858							148,105							149,420
Other liabilities		18,361							17,714							16,205							16,489							16,152
Total noninterest-bearing liabilities		160,893							166,431							165,063							164,594							165,572
Total liabilities		858,570							819,889							793,498							745,034							710,719
Shareholders’ equity		90,826							88,976							86,171							84,549							82,975
Total liabilities and shareholders’ equity	$	949,396						$	908,865						$	879,669						$	829,583						$	793,694
Interest income to earning assets		—			—	6.46	%		—			—	6.77	%		—			—	6.95	%		—			—	6.97	%		—			—	6.93	%
Net interest spread						3.35							3.34							3.51							3.70							3.85
Effect of noninterest-bearing sources						0.62							0.77							0.78							0.79							0.80
Net interest income / margin on earning assets		—		$	8,679	3.97	%		—		$	8,722	4.11	%		—		$	8,774	4.29	%		—		$	8,605	4.49	%		—		$	8,475	4.65	%
Tax equivalent adjustment				$	71	0.03	%				$	69	0.03	%				$	74	0.04	%				$	91	0.05	%				$	99	0.05	%

* Average loans and leases include portfolio loans and leases, and loans held for sale. Non-accrual loans are also included in the average loan and leases balances.