|
FY2012
12 months to Dec 31, 2012
|
FY2011
12 months to Dec 31, 2011
|
|
|---|---|---|
| INTEREST INCOME: | ||
| Interest and fees on loans | ||
| Interest on mortgage-backed securities | ||
| Interest and dividends on investments | ||
| Total interest income | ||
| INTEREST EXPENSE: | ||
| Interest on deposits | ||
| Interest on other borrowings | ||
| Total interest expense | ||
| NET INTEREST INCOME | ||
| Provision for loan losses | ||
| NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES | ||
| NON-INTEREST INCOME: | ||
| Loan-related fees | ||
| Gain on sale of loans | ||
| Gain on sale of mortgage-backed securities - available-for-sale | ||
| Gain on sale of investment securities - available-for-sale | ||
| Loss on disposal of premises and equipment | ||
| Rental income | ||
| Gain on sale of real estate acquired in settlement of loans | ||
| Service charges on deposits | ||
| Bank owned life insurance | ||
| Other income | ||
| Total non-interest income | ||
| NON-INTEREST EXPENSES: | ||
| Salaries and benefits | ||
| Occupancy expense | ||
| Deposit insurance premiums and assessments | ||
| Depreciation | ||
| Advertising | ||
| Service bureau charges | ||
| Service charges from banks | ||
| Service contracts | ||
| Stationery, printing and supplies | ||
| Foreclosure costs | ||
| Professional services | ||
| Other taxes | ||
| Provisions for losses on real estate acquired in settlement of loans | ||
| Other expenses | ||
| Total non-interest expenses | ||
| EARNINGS BEFORE INCOME TAXES | ||
| INCOME TAX EXPENSE | ||
| NET EARNINGS | ||
| OTHER COMPREHENSIVE INCOME (NET OF TAX) | ||
| Unrealized gains on securities | ||
| Reclassification adjustment for gain on sale of securities realized in net income (net of taxes of $250,440 and $221,846) | ||
| TOTAL COMPREHENSIVE INCOME | ||
| BASIC EARNINGS PER COMMON SHARE (in dollars per share) | ||
| DILUTED EARNINGS PER COMMON SHARE (in dollars per share) | ||
| AVERAGE COMMON SHARES OUTSTANDING (in shares) | ||
| AVERAGE DILUTED COMMON SHARES (in shares) |
Loading...
