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Industry (USD) Annual | ||||||||
|---|---|---|---|---|---|---|---|---|
| FISCAL YEAR ENDING |
 |
31-DEC 2003 |
31-DEC 2004 |
31-DEC 2005 |
31-DEC 2006 |
31-DEC 2007 |
 |
|
| Net Interest Income | |
11.1M | 12.7M | 14.9M | 18.7M | 17.9M |   | |
| Net Interest Margin | |
4.2% | 4.1% | 4.5% | 5% | 4.4% | | |
| Provision for Loan Losses | |
540K | 905K | 540K | 725K | 740K | | |
| Commercial Real Estate Loans | |
60.8M | 62.1M | 81.4M | 118M | 129M | | |
| Commercial Loans | |
44.9M | 40.1M | 41.1M | 38.2M | 32.3M | | |
| Construction Loans | |
50.0M | 73.8M | 81.7M | 89.7M | 88.9M | | |
| Consumer Loans | |
14.1M | 11.3M | 9.41M | 7.76M | 6.37M | | |
| Deposits | |
250M | 289M | 312M | 366M | 346M | | |
| Mortgage-Backed Securities (MBS) | |
0 | 0 | 7.06M | 5.80M | 18.0M | | |
| Net Charge Offs to Avg Loans | |
0.3% | 0.2% | 0.1% | 0% | 0.3% | | |
| Net Loans | |
228M | 257M | 280M | 333M | 317M | | |
| Residential Loans | |
61.8M | 73.1M | 70.2M | 84.1M | 64.4M | | |
| Securities | |
36.5M | 41.6M | 48.4M | 46.2M | 71.9M | | |
| Tier 1 Capital Ratio | |
0% | 0% | 9.8% | 9.7% | 11.2% | | |
| Nonperforming Loans to Total Loans | |
0.7% | 0.3% | 0% | 0.3% | 5.5% | | |
| Total Revenues | |
17.8M | 20.6M | 24.9M | 33.3M | 35.1M | |
|
| ROA | |
2.6% | 2.6% | 3.1% | 4.3% | 4.4% | |
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