RISK CATEGORY
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BALANCE ($000's)
![]() |
FACTOR
![]() |
CAPITAL
![]() |
| Commercial Lending |
|
|
|
| Commercial Loans |
700,721 |
6.47% |
45,314 |
| Commercial Real Estate |
76,654 |
6.72% |
5,151 |
| Commercial Leases |
130 |
6.97% |
9 |
|
|
|
|
| Consumer Lending |
|
|
|
| Auto Direct |
5 |
4.73% |
0 |
| Other Direct |
2 |
6.76% |
0 |
| Marine/RV Indirect |
2,011 |
7.38% |
148 |
| Other Indirect |
811,710 |
-0.07% |
-589 |
|
|
|
|
| Securities Credit Risk |
-82 |
0.30% |
0 |
|
|
|
|
| Deposits |
-62 |
1.20% |
-1 |
| Non Interest Expense |
71,459 |
3.95% |
2,821 |
|
|
|
|
| Goodwill |
0 |
NA |
0 |
|
|
|
|
| Miscellaneous Assets |
31,915 |
8.02% |
2,558 |
|
|
|
|
| Fixed Assets |
2,502 |
7.50% |
188 |
|
|
|
|
| Securitized Assets |
3,933,000 |
5.68% |
223,237 |
|
|
|
|
| Capital Allocation |
|
|
278,837 |
|
|
|
|
| Net Income (YTD) |
|
|
4,458 |
|
|
|
|
| Annualized Return on Equity |
|
|
6.40% |
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