| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
124,535 |
13.08% |
16,289 |
| Commercial Real Estate |
144,654 |
13.08% |
18,921 |
| Commercial Leases |
209 |
7.09% |
15 |
| Other Commercial (Muni & IRB) |
2,738 |
1.20% |
33 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
279,276 |
4.14% |
11,562 |
| Home Equity Lending |
12 |
7.50% |
1 |
| Direct Consumer Loans and Lines |
380 |
6.77% |
26 |
|
|
|
|
| Securities Credit Risk |
8,975 |
0.93% |
84 |
|
|
|
|
| Deposits |
7,313 |
0.02% |
1 |
| Non Interest Expense |
21,717 |
4.10% |
891 |
|
|
|
|
| Goodwill |
0 |
NA |
0 |
|
|
|
|
| Miscellaneous Assets |
206,848 |
0.59% |
1,220 |
|
|
|
|
| Fixed Assets |
203 |
7.50% |
15 |
|
|
|
|
| Other Intangibles |
0 |
NA |
0 |
|
|
|
|
| Capital Allocation |
|
|
49,058 |
|
|
|
|
| Net Income (YTD) |
|
|
5,842 |
|
|
|
|
| Annualized Return on Equity |
|
|
47.63% |
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