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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 | |
173M | 201M | 264M | 334M | 313M | |
|
| ROA | |
2.9% | 3.2% | 4.5% | 4.6% | -0.1% | |
|
| Net Interest Income | |
90.7M | 104M | 121M | 144M | 148M |   | |
| Net Interest Margin | |
3.7% | 3.8% | 4.1% | 4% | 3.5% | | |
| Provision for Loan Losses | |
5.64M | 4.90M | 5.50M | 5.90M | 62.5M | | |
| Commercial Real Estate Loans | |
655M | 700M | 744M | 1.05B | 1.01B | | |
| Commercial Loans | |
544M | 590M | 631M | 883M | 680M | | |
| Construction Loans | |
506M | 692M | 1.11B | 1.22B | 663M | | |
| Consumer Loans | |
79.8M | 92.0M | 118M | 193M | 268M | | |
| Deposits | |
1.93B | 2.32B | 2.79B | 3.62B | 3.78B | | |
| Mortgage-Backed Securities (MBS) | |
0 | 179M | 150M | 99.8M | 134M | | |
| Net Charge Offs to Avg Loans | |
0.1% | 0.2% | 0% | 0.1% | 0.8% | | |
| Net Loans | |
2.06B | 2.41B | 2.93B | 3.76B | 3.89B | | |
| Residential Loans | |
308M | 366M | 362M | 464M | 151M | | |
| Securities | |
0 | 311M | 274M | 256M | 318M | | |
| Tier 1 Capital Ratio | |
10.9% | 10.2% | 9.5% | 10.6% | 11.9% | | |
| Nonperforming Assets to Total Assets | |
1.2% | 0.4% | 0.4% | 1% | 4.6% | | |
| Nonperforming Loans to Total Loans | |
0.8% | 0.4% | 0.5% | 1.1% | 4.7% | | |
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