| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
10,713 |
11.28% |
1,209 |
| Commercial Real Estate |
23,243 |
11.28% |
2,622 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
3,042,976 |
4.14% |
125,979 |
| Home Equity Lending |
157 |
3.54% |
6 |
|
|
|
|
| Securities Credit Risk |
2,169 |
0.42% |
9 |
|
|
|
|
| Deposits |
331 |
0.00% |
0 |
| Non Interest Expense |
25,498 |
3.95% |
1,007 |
|
|
|
|
| Goodwill |
0 |
NA |
0 |
|
|
|
|
| OREO |
17,712 |
36.00% |
6,376 |
| Miscellaneous Assets |
31,754 |
4.54% |
1,441 |
|
|
|
|
| Fixed Assets |
245 |
7.50% |
18 |
|
|
|
|
| Other Intangibles |
0 |
NA |
0 |
|
|
|
|
| Capital Allocation |
|
|
138,667 |
|
|
|
|
| Net Income (YTD) - 3/99 |
|
|
4,378 |
|
|
|
|
| Annualized Return on Equity |
|
|
12.63% |
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