(in thousands, except ratio data)                                                                     As of December 31
Assets
12/31/07
12/31/06
12/31/05
Cash and Due from Banks
$7,046
$6,109
$5,493
Investment Securities
81,365
86,274
90,528
Loans, Gross
173,288
172,370
175,621
Allowance for Loan Losses
(2,869)
(2,911)
(2,771)
Other Assets
7,981
8,372
8,508
Total Assets
$266,811
$270,214
$277,379
Liabilities
Demand Deposit
$44,962
$45,405
$46,735
Savings
11,212
12,828
14,546
Money Market
53,941
52,681
55,839
Certificates of Deposit
77,770
79,811
74,418
Brokered Deposits
8,191
19,307
25,675
Total Deposits
$196,076
$210,032
$217,213
Repurchase Agreements
11,593
12,104
14,399
Borrowings
31,848
21,650
21,160
Other Liabilities
2,510
2,503
2,420
Total Liabilites
$242,027
$246,289
$255,192
Equity Capital:
Capital Base
$23,448
$22,539
$21,338
Mark-to-Market Adjustment
1,336
1,386
849
Total Equity Captial
$24,784
$23,925
$22,187
Total Liabilities & Captial
$266,811
$270,214
$277,379
Return on Average Assets
1.41%
1.52%
1.61%
Return on Average Equity
15.16%
17.40%
17.16%
Loans to Deposits Ratio
88.4%
82.1%
80.9%
Capital to Assets Ratio
9.3%
8.9%
8.0%

 


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