| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
433,294 |
10.56% |
45,756 |
| Commercial Real Estate |
776,340 |
10.56% |
81,981 |
| Direct Commercial Leases |
53,373 |
7.09% |
3,785 |
| Other Commercial (Muni & IRB) |
14,555 |
1.20% |
175 |
|
|
|
|
| Consumer Lending |
|
|
|
| Direct Consumer Loans and Lines |
377 |
6.81% |
26 |
|
|
|
|
| Securities Credit Risk |
0 |
NA |
0 |
|
|
|
|
| Deposits |
12,745 |
0.01% |
2 |
| Non Interest Expense |
28,702 |
5.35% |
1,536 |
|
|
|
|
| Goodwill |
0 |
NA |
0 |
|
|
|
|
| Miscellaneous Assets |
33,397 |
2.60% |
867 |
|
|
|
|
| Fixed Assets |
31 |
7.50% |
2 |
|
|
|
|
| Other Intangibles |
0 |
NA |
0 |
|
|
|
|
| Capital Allocation |
|
|
134,130 |
|
|
|
|
| Net Income (YTD) |
|
|
7,505 |
|
|
|
|
| Annualized Return on Equity |
|
|
22.38% |
Back to Top |
