| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
20,286 |
57.89% |
11,744 |
| Commercial Real Estate |
12,995 |
-6.71% |
-872 |
| Direct Commercial Leases |
171,834 |
7.09% |
12,186 |
| Other |
841 |
1.20% |
10 |
|
|
|
|
| Consumer Lending |
32,134 |
4.17% |
1,340 |
|
|
|
|
| Non Interest Expense |
23,169 |
3.95% |
915 |
|
|
|
|
| Goodwill |
2,116 |
100.00% |
2,116 |
|
|
|
|
| OREO |
7,860 |
36.00% |
2,830 |
|
|
|
|
| Fixed Assets |
2,776 |
7.50% |
208 |
|
|
|
|
| Total Other Risk |
137,076 |
3.65% |
5,007 |
|
|
|
|
| Capital Allocation |
|
|
35,484 |
|
|
|
|
| Net Income (YTD) |
|
|
-1,176 |
|
|
|
|
| Annualized Return on Equity |
|
|
-13.3% |
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