| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
716,002 |
8.04% |
57,567 |
| Commercial Real Estate |
84,713 |
8.04% |
6,811 |
| Direct Commercial Leases |
82,895 |
7.09% |
5,879 |
|
|
|
|
| Consumer Lending |
0 |
NA |
0 |
|
|
|
|
| Securities Credit Risk |
3,363 |
1.20% |
40 |
|
|
|
|
| Deposits |
375 |
0.02% |
0 |
| Non Interest Expense |
3,262 |
4.63% |
151 |
|
|
|
|
| Goodwill |
0 |
NA |
0 |
|
|
|
|
| Miscellaneous Assets |
6,444 |
2.96% |
190 |
|
|
|
|
| Fixed Assets |
13 |
7.50% |
1 |
|
|
|
|
| Other Intangibles |
0 |
NA |
0 |
|
|
|
|
| Capital Allocation |
|
|
70,639 |
|
|
|
|
| Net Income (YTD) |
|
|
5,606 |
|
|
|
|
| Annualized Return on Equity |
|
|
31.75% |
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