| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
ALLOCATION |
| Commercial Lending |
647 |
7.5% |
49 |
|
|
|
|
| Consumer Lending |
0 |
NA |
0 |
|
|
|
|
| Non Interest Expense |
40,729 |
4.26% |
1,736 |
|
|
|
|
| Goodwill |
0 |
NA |
0 |
|
|
|
|
| Miscellaneous Assets |
196,113 |
0.14% |
280 |
|
|
|
|
| Deferred Software Expense |
125,596 |
15.05% |
18,907 |
|
|
|
|
| Fixed Assets |
132,484 |
0.14% |
188 |
|
|
|
|
| Total Other Risk |
6,064 |
1.14% |
69 |
|
|
|
|
| Capital Allocation |
|
|
21,229 |
|
|
|
|
| Net Income |
|
|
-9,487 |
|
|
|
|
| Annualized Return on Equity |
|
|
-178.75% |
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