| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
98,831 |
6.36% |
6,286 |
| Commercial Real Estate |
6,266 |
6.36% |
399 |
| Commercial Leases |
2,443 |
7.09% |
173 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
1,153 |
4.14% |
48 |
| Direct Consumer Loans and Lines |
467 |
6.76% |
32 |
|
|
|
|
| Securities Credit Risk |
1,169 |
1.20% |
14 |
|
|
|
|
| Deposits |
141 |
0.00% |
0 |
| Non Interest Expense |
0 |
NA |
0 |
|
|
|
|
| Goodwill |
0 |
NA |
0 |
|
|
|
|
| Miscellaneous Assets |
47,945 |
0.19% |
89 |
|
|
|
|
| Fixed Assets |
1,878 |
7.50% |
141 |
|
|
|
|
| Other Intangibles |
0 |
NA |
0 |
|
|
|
|
| Capital Allocation |
|
|
7,180 |
|
|
|
|
| Net Income (YTD) |
|
|
-616 |
|
|
|
|
| Annualized Return on Equity |
|
|
-34.31% |
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