| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
205,322 |
8.76% |
17,986 |
| Direct Commercial Leases |
4 |
7.09% |
0 |
|
|
|
|
| Consumer Lending |
|
|
|
|
|
|
|
| Securities Credit Risk |
-226 |
0.60% |
-1 |
|
|
|
|
| Deposits |
2,588 |
0.05% |
1 |
| Non Interest Expense |
6,810 |
3.92% |
267 |
|
|
|
|
| Goodwill |
0 |
NA |
0 |
|
|
|
|
| Miscellaneous Assets |
118,673 |
0.64% |
758 |
|
|
|
|
| Fixed Assets |
157 |
7.50% |
12 |
|
|
|
|
| Other Intangibles |
0 |
NA |
0 |
|
|
|
|
| Capital Allocation |
|
|
19,023 |
|
|
|
|
| Net Income (YTD) thru 3/99 |
|
|
455 |
|
|
|
|
| Annualized Return on Equity |
|
|
9.56% |
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