|
 |
|
at year-end
|
2007
|
2006
|
2005
|
2004
|
2003
|
|
Assets
|
160,391,025
|
155,492,051
|
173,754,934
|
147,311,713
|
137,288,625
|
|
Deposits
|
137,064,612
|
133,922,520
|
151,539,659
|
127,162,135
|
122,572,790
|
|
Loans,
Net
|
128,037,418
|
109,629,362
|
105,354,354
|
93,080,393
|
80,707,187
|
|
Stockholders
Equity
|
19,084,137
|
16,867,963
|
14,661,655
|
13,274,138
|
12,142,248
|
|
AVERAGE BALANCES
|
|
|
|
|
|
|
Assets
|
160,020,434
|
164,705,727
|
157,500,921
|
142,179,326
|
128,668,696
|
|
Deposits
|
136,856,126
|
142,808,495
|
135,345,978
|
123,412,049
|
114,710,523
|
|
Loans,
Net
|
116,472,738
|
105,611,285
|
99,371,638
|
85,172,766
|
77,467,938
|
|
Stockholders
Equity
|
17,842,240
|
15,809,465
|
13,888,818
|
12,663,110
|
11,553,772
|
|
FOR THE YEAR
|
|
|
|
|
|
|
Net
Interest Income
|
7,330,271
|
7,047,720
|
6,151,824
|
5,290,513
|
4,761,205
|
|
Income
before extraordinary item
|
|
|
|
|
1,091,381
|
|
Net
Income
|
1,844,544
|
2,106,777
|
1,718,653
|
1,397,744
|
1,131,016
|
|
Cash
dividends declared
|
781,414
|
687,344
|
527,078
|
413,988
|
325,693
|
|
PER SHARE DATA
|
|
|
|
|
|
|
Income
before extraordinary item (basic)
|
|
|
|
|
1.59
|
|
Net
Income (basic)
|
2.46
|
2.89
|
2.43
|
2.01
|
1.65
|
|
Cash
Dividends declared
|
1.05
|
0.95
|
0.75
|
.60
|
0.48
|
|
Book
value before accumulated other comprehensive income
|
24.94
|
23.10
|
20.82
|
19.03
|
17.58
|
|
RATIOS
|
|
|
|
|
|
|
Return on
Average Assets before extraordinary item
|
1.15%
|
1.28%
|
1.09%
|
0.98%
|
0.85%
|
|
Return on
Average Assets after extraordinary item
|
|
|
|
|
0.88%
|
|
Return on
Average Equity before extraordinary item
|
10.34%
|
13.33%
|
12.37%
|
11.04%
|
9.45%
|
|
Return on
Average Equity after extraordinary item
|
|
|
|
|
9.79%
|
|
Average
Equity to Average Assets
|
11.15%
|
9.60%
|
8.82%
|
8.91%
|
8.98%
|
for
more financial information
|
