Prudential Information for June 2010

	Capital ($)
Tier 1 capital
Retained earnings, including current year earnings	230,859,523
Deductions from Tier 1 capital	(18,752,235)
Total Tier 1 capital	212,107,288

Tier 2 capital (net of deductions)	97,752,787

Total capital base	309,860,075

	Risk Weighted Assets ($)
Credit risk - standardised approach
Corporate	11,697,127
Government	-
ADIs	176,196,621
Residential Mortgage	1,372,863,295
Other Retail	261,044,793
Other	73,813,284
Off Balance Sheet	33,553,489
Total capital requirement for credit risk	1,929,168,609
Capital requirement relating to securitisation exposures	16,574,623
Capital requirement for operational risk	290,790,808
Total risk weighted assets capital requirement	2,236,534,040
Tier 1 Capital Ratio	9.48%
Total Capital Ratio	13.85%

	Gross Credit Exposure ($)	Average Gross Credit Exposure for Quarter ($)
Exposure Type
Cash and investment securities	1,066,624,526	1,058,450,560
Loans and advances	4,140,874,530	4,107,687,475
Other assets	150,817,522	144,654,669
Total on balance sheet exposures	5,358,316,578	5,310,792,704

Loans approved not yet advanced	79,255,555	78,067,556
Other off balance sheet	4,161,713	4,422,672
Total off balance sheet exposures	83,417,268	82,490,288

Total exposures	5,441,733,846	5,393,282,932

Exposure by Category
Corporate	58,485,634	46,547,051
Government	129,576,230	117,018,242
ADIs	878,562,662	834,885,267
Residential Mortgage	3,957,217,960	3,925,386,515
Other Retail	262,912,125	260,368,516
Other	154,979,235	149,077,341
	5,441,733,846	5,393,282,932

	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	2,434,818	2,353,984	370,271	370,271	-
Other Retail	1,590,958	1,080,816	634,864	(178,818)	649,872
Other	-	-	-	-	-
Total	4,025,776	3,434,800	1,005,135	191,453	649,872

General Reserve for Credit Losses				3,537,102

Accounts