| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
20,195 |
7.50% |
1,515 |
| Other Commercial Lending |
18,982 |
7.50% |
1,424 |
|
|
|
|
| Consumer Lending |
|
|
|
| Direct Consumer Loans and Lines |
654,108 |
6.76% |
44,192 |
|
|
|
|
| Securities Credit Risk |
1,073,524 |
0.62% |
6,608 |
|
|
|
|
| Non Interest Expense |
61,195 |
3.95% |
2,416 |
|
|
|
|
| Goodwill |
27,597 |
100.00% |
27,597 |
| Other Intangibles |
285 |
30.00% |
86 |
|
|
|
|
| Miscellaneous Assets |
249,029 |
0.97% |
2,418 |
|
|
|
|
| Fixed Assets |
21,372 |
7.50% |
1,603 |
|
|
|
|
| SEC
Required Capital |
0 |
NA |
260,400 |
|
|
|
|
| Capital Allocation |
|
|
348,257 |
|
|
|
|
| Net Income (YTD) |
|
|
-7,848 |
|
|
|
|
| Annualized Return on Equity |
|
|
-9.01% |
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