RISK CATEGORY
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BALANCE ($000's)
![]() |
FACTOR
![]() |
CAPITAL
![]() |
| Commercial Lending |
|
|
|
| Commercial Loans |
132,356 |
1.80% |
2,382 |
| Commercial Real Estate |
32,145 |
1.80% |
579 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
5,228 |
4.14% |
216 |
| Home Equity Lending |
112 |
3.54% |
4 |
| Direct Consumer Loans and Lines |
155,749 |
6.76% |
10,533 |
|
|
|
|
| Securities Credit Risk |
243 |
NA |
1 |
|
|
|
|
| Deposits |
22,323 |
0.09% |
21 |
| Non Interest Expense |
32,360 |
4.45% |
1,441 |
|
|
|
|
| Goodwill |
0 |
NA |
0 |
|
|
|
|
| Miscellaneous Assets |
10,880 |
42.93% |
4,671 |
|
|
|
|
| Fixed Assets |
169 |
7.50% |
13 |
|
|
|
|
| Fiduciary Assets |
0 |
NA |
0 |
|
|
|
|
| Capital Allocation |
|
|
19,860 |
|
|
|
|
| Net Income (YTD) |
|
|
6,857 |
|
|
|
|
| Annualized Return on Equity |
|
|
138.10% |
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