Key Figures and Ratios
|
Consolidated Balance Sheet data (€ 000) |
31.12.2005 |
31.12.2006 |
31.12.2007 |
31.12.2008 |
31.12.2009 |
|
Total assets |
194,903 |
248,520 |
357,756 |
418,580 |
412,761 |
|
Loans and advances to clients, net |
146,697 |
193,263 |
301,733 |
345,763 |
331,462 |
|
Shareholder's equity |
39,780 |
57,114 |
79,576 |
96,097 |
106,931 |
|
|
|
|
|
|
|
|
Consolidated Income Statement data (€ 000) |
2005 |
2006 |
2007 |
2008 |
2009 |
|
Net Interest Income |
18,471 |
24,379 |
35,220 |
40,740 |
38,999 |
|
Operating Income |
21,650 |
26,938 |
39,102 |
42,980 |
39,892 |
|
Operating Expenses |
-4,828 |
-5,259 |
-6,111 |
-6,005 |
-6,928 |
|
Operating Profit |
16,822 |
21,679 |
32,991 |
36,975 |
32,964 |
|
Income before taxes |
13,724 |
19,527 |
30,186 |
29,385 |
11,930 |
|
Net Income |
12,341 |
17,455 |
27,157 |
26,462 |
10,745 |
|
|
|
|
|
|
|
|
Staff (full-time equivalent) |
139 |
137 |
137 |
146 |
141 |
|
Offices |
5 |
5 |
5 |
5 |
5 |
|
|
|
|
|
|
|
|
Key Ratios |
31.12.2005 |
31.12.2006 |
31.12.2007 |
31.12.2008 |
31.12.2009 |
|
ROAA |
7.1% |
7.9% |
9.0% |
6.8% |
2.6% |
|
ROAE |
36.7% |
36.0% |
39.7% |
30.1% |
9.9% |
|
Cost/income ratio |
22.9% |
19.3% |
15.5% |
14.0% |
17.4% |
|
Shareholders' equity/Total assets |
20.4% |
23.00% |
22.2% |
23.0% |
25.9% |
|
Tier 1 capital ratio |
25.6% |
18.5% |
15.5% |
16.9% |
22.6% |
|
Earnings per share (€ per share) |
0.98 |
1.38 |
2.15 |
2.10 |
0.85 |
