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Selected Financial Data

 
  Year Ended December 31
  2011 2010 2009 2008 2007
  (Dollars In Thousand Except Per Share Data)
Operations Data:
Net Interest Income $ 13,449 $ 12,880 $ 12,102 $ 11,922 $ 11,866
Provision for Credit Losses 663 1,050 2,443 1,146 50
Other Income 2,090 1,899 2,365 2,051 2,157
Other Expense 11,115 11,179 10,995 13,102 10,433
Net Income 2,993 2,065 1,262 404 2,782
Share Data:
Basic Net Income Per Share $1.10 $0.76 $0.46 $0.14 $0.93
Diluted Net Income Per Share 1.10 0.76 0.46 0.14 0.93
Cash Dividends Declared Per Common Share 0.40 0.40 0.40 0.45 0.45
Weighted Average Common Shares Outstanding:
Basic 2,710,455 2,690,218 2,734,524 2,981,124 2,988,796
Diluted 2,710,455 2,690.218 2,734,524 2,981,124 2,988,796
Financial Condition Data:
Total Assets $365,260 $347,067 $353,397 $332,502 $307,274
Loans Receivable, Net 232,734 229,851 235,853 235,133 199,753
Total Deposits 311,945 294,445 294,358 269,768 252,917
Long Term Borrowings 20,000 20,000 27,034 27,072 17,107
Junior Subordinated Debentures - - 5,155 5,155 5,155
Total Stockholders’ Equity 31,211 26,333 25,149 27,908 29,736
Performance Ratios:
Return on Average Assets 0.84% 0.58% 0.36% 0.13% 0.89%
Return on Average Equity 10.11 .75 4.87 1.49 9.60
Net Interest Margin (1) 4.39 4.05 4.29 4.31 4.39
Dividend Payout Ratio 36.22 52.11 85.59 332.98 48.33
Capital Ratios:
Average Equity to Average Assets 8.26% 7.45% 7.37% 8.99% 9.28%
Leverage Ratio 8.20 7.64 8.86 10.50 11.34
Total Risk-Based Capital Ratio 14.35 12.58 14.40 14.93 17.50
Asset Quality Ratios:
Allowance for Credit Losses to Gross Loans 1.66% 1.45% 1.18% 0.85% 0.80%
Non-accrual and Past Due Loans to Gross Loans 2.15% 2.99% 1.26% 0.38% 0.43%
Allowance for Credit Losses to Non-Accrual and Past Due Loans 77.38% 48.69% 117.61% 224.42% 188.27%
Net Loan Charge-offs (Recoveries) to Average Loans 0.06% 0.53% 0.37% 0.33% 0.14%
(1) Presented on a tax-equivalent basis