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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 | |
165M | 182M | 191M | 203M | 195M | |
|
| ROA | |
2.7% | 3.1% | 3.5% | 3.8% | 3.5% | |
|
| Net Interest Income | |
90.4M | 87.0M | 74.8M | 68.7M | 73.4M |   | |
| Net Interest Margin | |
3% | 2.6% | 2.3% | 2.1% | 2.2% | | |
| Provision for Loan Losses | |
1.33M | 541K | 632K | -272K | 1.45M | | |
| Commercial Real Estate Loans | |
357M | 331M | 325M | 409M | 276M | | |
| Commercial Loans | |
70.2M | 57.2M | 52.1M | 53.8M | 49.6M | | |
| Construction Loans | |
141M | 155M | 187M | 170M | 159M | | |
| Consumer Loans | |
477M | 467M | 431M | 380M | 338M | | |
| Deposits | |
1.98B | 2.09B | 2.16B | 2.11B | 2.13B | | |
| Mortgage-Backed Securities (MBS) | |
1.27B | 1.09B | 1.06B | 1.10B | 851M | | |
| Net Charge Offs to Avg Loans | |
0.1% | 0.1% | 0% | 0% | 0.1% | | |
| Net Loans | |
1.88B | 1.99B | 2.02B | 1.99B | 1.83B | | |
| Residential Loans | |
903M | 1.05B | 1.12B | 1.06B | 1.07B | | |
| Securities | |
1.33B | 1.15B | 1.11B | 1.20B | 419M | | |
| Tier 1 Capital Ratio | |
0% | 24.3% | 23.5% | 19.2% | 19.9% | | |
| Nonperforming Assets to Total Assets | |
0.2% | 0.2% | 0.5% | 0.5% | 1.1% | | |
| Nonperforming Loans to Total Loans | |
0.3% | 0.3% | 0.7% | 0.7% | 1.8% | | |
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