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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 |
 |
|
| Net Interest Income | |
71.9M | 90.9M | 97.8M | 109M | 120M |   | |
| Net Interest Margin | |
4.2% | 4.4% | 4.5% | 4.4% | 4.4% | | |
| Provision for Loan Losses | |
995K | 1.52M | 2.06M | 3.60M | 41.2M | | |
| Commercial Real Estate Loans | |
666M | 741M | 803M | 1.02B | 863M | | |
| Commercial Loans | |
488M | 571M | 618M | 762M | 811M | | |
| Construction Loans | |
0 | 0 | 0 | 0 | 291M | | |
| Consumer Loans | |
132M | 140M | 148M | 177M | 215M | | |
| Deposits | |
1.86B | 2.01B | 2.02B | 2.50B | 2.38B | | |
| Mortgage-Backed Securities (MBS) | |
0 | 0 | 0 | 0 | 342M | | |
| Net Charge Offs to Avg Loans | |
0.2% | 0% | 0.2% | 0% | 1.1% | | |
| Net Loans | |
1.36B | 1.56B | 1.71B | 2.28B | 2.19B | | |
| Residential Loans | |
76.4M | 116M | 143M | 330M | 57.2M | | |
| Securities | |
643M | 585M | 605M | 573M | 565M | | |
| Tier 1 Capital Ratio | |
11.8% | 11.8% | 12.2% | 9.9% | 13% | | |
| Nonperforming Assets to Total Assets | |
0.4% | 0.2% | 0.1% | 0.5% | 3.5% | | |
| Nonperforming Loans to Total Loans | |
0.6% | 0.3% | 0.2% | 0.6% | 4.8% | | |
| Revenue - US | |
0 | 0 | 0 | 0 | 134M | | |
| Total Revenues | |
112M | 147M | 176M | 212M | 210M | |
|
| ROA | |
2.1% | 2.7% | 3.5% | 3.8% | 1.9% | |
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