| Capital ($) | |
|---|---|
| Tier 1 capital | |
| Retained earnings, including current year earnings | 263,439,962 |
| Deductions from Tier 1 capital | (20,708,126) |
| Total Tier 1 capital | 242,731,836 |
| Tier 2 capital (net of deductions) | 97,038,458 |
| Total capital base | 339,770,294 |
| Risk Weighted Assets ($) | |
|---|---|
| Credit risk - standardised approach | |
| Corporate | - |
| Government | - |
| ADIs | 187,536,176 |
| Residential Mortgage | 1,473,174,442 |
| Other Retail | 258,629,381 |
| Other | 95,793,549 |
| Off Balance Sheet | 35,880,949 |
| Total capital requirement for credit risk | 2,050,834,497 |
| Capital requirement relating to securitisation exposures | 30,456,859 |
| Capital requirement for operational risk | 322,376,052 |
| Total risk weighted assets capital requirement | 2,403,667,408 |
| Tier 1 Capital Ratio | 10.10% |
| Total Capital Ratio | 14.14% |
| Gross Credit Exposure ($) | Average Gross Credit Exposure for Quarter ($) | |
|---|---|---|
| Exposure Type | ||
| Cash and investment securities | 1,192,677,902 | 1,149,916,514 |
| Loans and advances | 4,421,451,036 | 4,389,185,217 |
| Other assets | 249,463,231 | 231,367,976 |
| Total on balance sheet exposures | 5,863,592,169 | 5,770,469,707 |
| Loans approved not yet advanced | 81,582,975 | 79,698,003 |
| Other off balance sheet | 4,767,948 | 4,865,695 |
| Total off balance sheet exposures | 86,350,923 | 84,563,698 |
| Total exposures | 5,949,943,092 | 5,855,033,405 |
| Exposure by Category | ||
| Corporate | - | - |
| Government | 351,118,545 | 345,603,112 |
| ADIs | 841,559,357 | 804,313,402 |
| Residential Mortgage | 4,241,022,070 | 4,207,425,269 |
| Other Retail | 262,011,941 | 261,457,951 |
| Other | 254,231,179 | 236,233,671 |
| 5,949,943,092 | 5,855,033,405 | |
| Impaired loans ($) | Past due loans ($) | Specific provision balance ($) | Charges for specific provision for quarter ($) | Write-offs for quarter ($) | |
|---|---|---|---|---|---|
| Exposure by category | |||||
| Corporate | - | - | - | - | - |
| Government | - | - | - | - | - |
| ADIs | - | - | - | - | - |
| Residential Mortgage | 2,658,847 | 5,468,123 | 402,672 | 143,777 | 220 |
| Other Retail | 2,941,805 | 1,956,032 | 1,136,736 | 25,720 | 697,907 |
| Other | - | - | - | - | - |
| Total | 5,600,652 | 7,424,155 | 1,539,408 | 169,497 | 698,127 |
| General Reserve for Credit Losses | 2,475,765 | ||||