| |||||||||

Industry (USD) Annual | ||||||||
|---|---|---|---|---|---|---|---|---|
| FISCAL YEAR ENDING |
|
31-DEC 2004 |
31-DEC 2005 |
31-DEC 2006 |
31-DEC 2007 |
31-DEC 2008 |
||
| Net Interest Income | 43.3M | 51.4M | 56.6M | 53.6M | 52.3M | |||
| Net Interest Margin | 3.1% | 3.4% | 3.7% | 3.8% | 3.9% | |||
| Provision for Loan Losses | -22K | 518K | -136K | 697K | 5.09M | |||
| Commercial Real Estate Loans | 519M | 556M | 618M | 617M | 342M | |||
| Commercial Loans | 156M | 196M | 233M | 233M | 253M | |||
| Construction Loans | 59.4M | 80.7M | 85.2M | 64.5M | 49.5M | |||
| Consumer Loans | 2.75M | 2.02M | 4.04M | 3.51M | 2.65M | |||
| Deposits | 1.12B | 1.07B | 1.13B | 1.07B | 1.07B | |||
| Mortgage-Backed Securities (MBS) | 0 | 156M | 25.7M | 43.0M | 42.0M | |||
| Net Charge Offs to Avg Loans | 0.1% | 0% | 0.1% | 0% | 0.1% | |||
| Net Loans | 1.09B | 1.23B | 1.33B | 1.25B | 1.27B | |||
| Residential Loans | 363M | 404M | 398M | 345M | 629M | |||
| Securities | 268M | 248M | 118M | 77.0M | 125M | |||
| Tier 1 Capital Ratio | 0% | 18.2% | 19.3% | 15.7% | 13.8% | |||
| Nonperforming Assets to Total Assets | 0.4% | 0.4% | 0.6% | 0.9% | 0.9% | |||
| Nonperforming Loans to Total Loans | 0.6% | 0.5% | 0.7% | 1% | 1.1% | |||
| Revenue - US | 0 | 0 | 0 | 0 | 62.3M | |||
| Total Revenues | 75.4M | 88.9M | 105M | 102M | 88.5M | |||
| ROA | 0% | 2.6% | 2.9% | 2.9% | 0.4% | |||
| ||||||