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Industry (USD) Annual | ||||||||
|---|---|---|---|---|---|---|---|---|
| FISCAL YEAR ENDING |
 |
31-DEC 2004 |
31-DEC 2005 |
31-DEC 2006 |
31-DEC 2007 |
31-DEC 2008 |
 |
|
| Total Revenues | |
605M | 702M | 510M | 523M | 452M | |
|
| ROA | |
2.8% | 3.2% | 2.8% | 2.7% | -1% | |
|
| Net Interest Income | |
162M | 204M | 200M | 179M | 174M |   | |
| Net Interest Margin | |
0% | 3.9% | 4% | 3.6% | 3.5% | | |
| Provision for Loan Losses | |
-5.11M | -6.62M | 8.57M | 70.8M | 160M | | |
| Commercial Real Estate Loans | |
1.14B | 1.13B | 1.16B | 1.09B | 1.45B | | |
| Commercial Loans | |
160M | 171M | 255M | 237M | 251M | | |
| Construction Loans | |
766M | 785M | 475M | 416M | 0 | | |
| Consumer Loans | |
475M | 541M | 588M | 707M | 745M | | |
| Deposits | |
3.46B | 3.75B | 3.87B | 3.95B | 3.93B | | |
| Mortgage-Backed Securities (MBS) | |
0 | 382M | 362M | 788M | 533M | | |
| Net Charge Offs to Avg Loans | |
0% | 0% | 0% | 0% | 0% | | |
| Net Loans | |
4.60B | 4.62B | 4.60B | 4.52B | 4.33B | | |
| Residential Loans | |
2.06B | 2.03B | 2.16B | 2.16B | 1.93B | | |
| Securities | |
1.07B | 1.04B | 1.06B | 1.17B | 949M | | |
| Tier 1 Capital Ratio | |
9.2% | 10% | 10.5% | 9.8% | 9.8% | | |
| Nonperforming Assets to Total Assets | |
0.2% | 0.1% | 0.4% | 3.2% | 6.6% | | |
| Nonperforming Loans to Total Loans | |
0% | 0% | 0% | 0% | 0% | | |
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