| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
84,087 |
3.24% |
2,724 |
| Commercial Real Estate |
2,054 |
3.24% |
67 |
| Commercial Leases |
94,152 |
7.09% |
6,677 |
| Other Commercial Lending |
244,820 |
1.20% |
2,938 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
133 |
4.14% |
6 |
|
|
|
|
| Securities Credit Risk |
0 |
NA |
0 |
|
|
|
|
| Deposits |
438,801 |
0.00% |
1 |
| Non Interest Expense |
60,473 |
3.92% |
2,373 |
|
|
|
|
| Goodwill |
0 |
NA |
0 |
|
|
|
|
| Miscellaneous Assets |
440,077 |
0.40% |
1,756 |
|
|
|
|
| Fixed Assets |
90 |
7.50% |
7 |
|
|
|
|
| Fiduciary Assets |
0 |
NA |
0 |
|
|
|
|
| Capital Allocation |
|
|
16,548 |
|
|
|
|
| Net Income (YTD) |
|
|
2,786 |
|
|
|
|
| Annualized Return on Equity |
|
|
67.35% |
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