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First Quarter 2008 Financial Highlights
(Unedited) / (Dollar amounts in thousands)
Earnings Summary
| For the Three Months Ending on March 31 |
2008 |
2007 |
| Net interest income |
$7,681 |
$5,947 |
| Provision for loan losses |
3,609 |
623 |
| Non-Interest income |
33,940 |
19,264 |
| Non-Interest expense |
24,780 |
21,319 |
| Income taxes |
3,980 |
703 |
| Net income |
9,252 |
2,566 |
Performance Ratios (annualized)
| For the Three Months Ending on March 31 |
2008 |
2007 |
| Net income to average shareholder's equity |
28.76% |
8.95% |
| Net income to average total assets |
2.10 |
0.58 |
| Net Interest margin |
2.08 |
1.63 |
Average Balance Sheet Summary
| For the Three Months Ending on March 31 |
2008 |
2007 |
| Total assets |
$1,775,877 |
$1,792,179 |
| Loans - net |
713,637 |
672,330 |
| Securities |
234,949 |
356,845 |
| Total earnings assets |
1,654,008 |
1,669,358 |
| Total deposits and short-term funding |
1,618,193 |
1,658,271 |
Period End Data
| March 31 |
2008 |
2007 |
| Total assets |
$1,822,466 |
$1,644,840 |
| Tier I capital to average assets |
7.37% |
6.35% |
| Tier I capital to risk weighted assets |
12.10 |
11.94 |
| Total capital to risk weighted assets |
13.29 |
12.87 |
| Allowance for loan losses as a percentage of loans |
1.74 |
1.31 |
| Loans to total deposits and short-term funding |
45.30 |
44.52 |
| Non performing assets to total loans + foreclosed assets |
0.61 |
0.60 |
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