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A n n u a l R e p o r t 2 0 0 7
Key Figures
EUR ’000 2007 2006 Change
Balance Sheet Data
Total Assets 243,214 221,170 10.0%
Gross Loan Portfolio 117,494 94,186 24.7%
Business Loan Portfolio 87,081 73,761 18.1%
EUR < 10,000 33,954 27,838 22.0%
EUR > 10,000 < 50,000 28,088 24,577 14.3%
EUR > 50,000 < 150,000 12,666 12,280 3.1%
EUR > 150,000 12,374 9,065 36.5%
Agricultural Loan Portfolio 8,535 5,747 48.5%
Housing Improvement Loan Portfolio 9,038 5,467 65.3%
Other 12,841 9,211 39.4%
Allowance for Impairment on Loans (5,500) (5,211) 5.6%
Net Loan Portfolio 111,994 88,975 25.9%
Liabilities to Customers 213,817 191,947 11.4%
Liabilities to Banks and Financial Institutions 8,047 10,203 -21.1%
Shareholders’ Equity 18,843 17,312 8.8%
Income Statement
Operating Income 17,865 15,147 17.9%
Operating Expenses 13,014 10,862 19.8%
Operating Profit Before Tax 4,851 4,285 13.2%
Net Profit 3,511 3,058 14.8%
Key Ratios
Cost/Income Ratio 68.0% 63.4%
ROE* 19.5% 17.3%
Capital Ratio 12.1% 15.4%
Operational Statistics
Number of Loans Outstanding 32,581 28,237 15.4%
Number of Loans Disbursed within the Year 23,784 21,996 8.1%
Number of Business and Agricultural Loans Outstanding 21,423 18,265 17.3%
Number of Deposit Accounts 198,668 143,679 38.3%
Number of Staff 717 577 24.3%
Number of Branches and Outlets 26 22 18.2%
* The ROE figure for 2006 differs from that shown in last
year’s annual report because the method of calculating
this indicator has been modified.