 |
|
For the year ending
December 31, |
|
|
|
|
|
2007 |
|
2006 |
|
|
|
|
|
|
| Per Share Performance |
|
| Net income (Annualized) |
$6.25 |
|
$5.58 |
|
|
|
|
|
|
| Dividends |
2.05 |
|
1.90 |
|
|
|
|
|
|
| Book value |
66.64 |
|
62.71 |
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|
|
|
| Balance Sheet (000's) |
|
| Total assets |
$351,389 |
|
$365,894 |
|
|
|
|
|
|
| Total loans held for sale |
1,094 |
|
956 |
|
|
|
|
|
|
| Total loans |
279,337 |
|
289,533 |
|
|
|
|
|
|
| Total deposits |
275,002 |
|
301,664 |
|
|
|
|
|
|
| Total equity |
33,890 |
|
32,580 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Profitability |
|
| Net interest margin (FTE) |
3.60 |
% |
3.46 |
% |
|
|
|
|
|
| Return on average assets |
0.89 |
|
0.83 |
|
|
|
|
|
|
| Return on average equity |
9.60 |
|
9.16 |
|
|
|
|
|
|
| Net interest income (000's) |
$12,086 |
|
$11,710 |
|
|
|
|
|
|
| Net income (000's) |
3,206 |
|
2,930 |
|
|
|
|
|
|
|
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|
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|
| Asset Quality |
|
| Net charge-offs/average loans |
0.23 |
% |
0.09 |
% |
|
|
|
|
|
| Provision/average loans |
0.21 |
|
0.09 |
|
|
|
|
|
|
| Allowance/non-performing
loans at period end |
101.81 |
|
58.07 |
|
|
|
|
|
|
| Non-performing assets/assets at period
end |
0.77 |
|
1.20 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Capital Strength
- Bank |
|
| Tangible equity/assets
at period end |
9.61 |
% |
8.89 |
% |
|
|
|
|
|
| Total risk-based capital ratio at period
end |
13.63 |
|
12.93 |
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Equal
Housing Lender, All Rights Reserved.