| |
12/31/2006 |
12/31/2005 |
12/31/2004 |
12/31/2003 |
12/31/2002 |
PERCENT CHANGE
1 YEAR |
| INTEREST AND FEES ON LOANS |
2,581 |
2,152 |
1,410 |
1,351 |
1,217 |
19.93 |
| INCOME FROM LEASE FINANCING |
4,162 |
857 |
4 |
0 |
0 |
385.65 |
| TAX-EXEMPT |
0 |
0 |
0 |
0 |
0 |
NA |
| ESTIMATED TAX BENEFIT |
0 |
0 |
0 |
0 |
0 |
|
| INCOME ON LOANS & LEASES (TE) |
6,743 |
3,009 |
1,414 |
1,351 |
1,217 |
124.09 |
| |
|
|
|
|
|
|
| U S TREAS & AGENCY (EXCL MBS) |
337 |
447 |
474 |
397 |
335 |
-24.61 |
| MORTGAGE BACKED SECURITIES |
7 |
9 |
12 |
10 |
17 |
-22.22 |
| ESTIMATED TAX BENEFIT |
0 |
0 |
0 |
0 |
0 |
|
| ALL OTHER SECURITIES |
0 |
0 |
0 |
0 |
0 |
NA |
| TAX EXEMPT SECURITIES INCOME |
0 |
0 |
0 |
0 |
0 |
NA |
| INVESTMT INTEREST INCOME (TE) |
344 |
456 |
486 |
407 |
352 |
-24.56 |
| |
|
|
|
|
|
|
| INTEREST ON DUE FROM BANKS |
0 |
0 |
0 |
5 |
3 |
NA |
| INT ON FED FUNDS SOLD & RESALES |
249 |
281 |
38 |
17 |
66 |
-11.39 |
| TRADING ACCOUNT INCOME |
0 |
0 |
0 |
0 |
0 |
NA |
| OTHER INTEREST INCOME |
24 |
10 |
0 |
0 |
0 |
140.00 |
| |
|
|
|
|
|
|
| TOTAL INTEREST INCOME (TE) |
7,360 |
3,756 |
1,938 |
1,780 |
1,638 |
95.95 |
| |
|
|
|
|
|
|
| INT ON DEPOSITS IN FOREIGN OFF |
NA |
NA |
NA |
NA |
NA |
NA |
| INTEREST ON TIME DEP OVER $100M |
1,045 |
337 |
95 |
64 |
59 |
210.09 |
| INTEREST ON ALL OTHER DEPOSITS |
1,421 |
462 |
266 |
248 |
249 |
207.58 |
| INT ON FED FUNDS PURCH & REPOS |
1 |
0 |
0 |
2 |
0 |
NA |
| INT TRAD LIAB & OTH BORROWINGS |
0 |
0 |
1 |
0 |
0 |
NA |
| INT ON MORTGAGES & LEASES |
NA |
NA |
NA |
NA |
NA |
NA |
| INT ON SUB NOTES & DEBENTURES |
0 |
0 |
0 |
0 |
0 |
NA |
| |
|
|
|
|
|
|
| TOTAL INTEREST EXPENSE |
2,467 |
799 |
362 |
314 |
308 |
208.76 |
| |
|
|
|
|
|
|
| NET INTEREST INCOME (TE) |
4,893 |
2,957 |
1,576 |
1,466 |
1,330 |
65.47 |
| NONINTEREST INCOME |
2,091 |
1,267 |
494 |
524 |
464 |
65.04 |
| ADJUSTED OPERATING INCOME (TE) |
6,984 |
4,224 |
2,070 |
1,990 |
1,794 |
65.34 |
| |
|
|
|
|
|
|
| NON-INTEREST EXPENSE |
6,787 |
7,369 |
2,206 |
1,645 |
1,567 |
-7.90 |
| PROVISION: LOAN & LEASE LOSSES |
1,493 |
651 |
277 |
109 |
70 |
129.34 |
| PRETAX OPERATING INCOME (TE) |
-1,296 |
-3,796 |
-413 |
236 |
157 |
65.86 |
| |
|
|
|
|
|
|
| REALIZED G/L HLD-TO-MATURITY SEC |
0 |
0 |
0 |
0 |
0 |
NA |
| REALIZED G/L AVAIL-FOR SALE SEC |
0 |
0 |
0 |
0 |
0 |
NA |
| PRETAX NET OPERATING INC (TE) |
-1,296 |
-3,796 |
-413 |
236 |
157 |
65.86 |
| |
|
|
|
|
|
|
| APPLICABLE INCOME TAXES |
0 |
0 |
0 |
97 |
51 |
|
| CURRENT TAX EQUIV ADJUSTMENT |
0 |
0 |
0 |
0 |
0 |
|
| OTHER TAX EQUIV ADJUSTMENTS |
0 |
0 |
0 |
0 |
0 |
|
| APPLICABLE INCOME TAXES(TE) |
0 |
0 |
0 |
97 |
51 |
|
| |
|
|
|
|
|
|
| NET OPERATING INCOME |
-1,296 |
-3,796 |
-413 |
139 |
106 |
65.86 |
| |
|
|
|
|
|
|
| NET EXTRAORDINARY ITEMS |
0 |
0 |
0 |
0 |
0 |
|
| NET INCOME |
-1,296 |
-3,796 |
-413 |
139 |
106 |
65.86 |
| |
|
|
|
|
|
|
| CASH DIVIDENDS DECLARED |
0 |
0 |
0 |
0 |
0 |
NA |
| RETAINED EARNINGS |
-1,296 |
-3,796 |
-413 |
139 |
106 |
65.86 |
| MEMO: NET INTERNATIONAL INCOME |
NA |
NA |
NA |
NA |
NA |
NA |