| Capital ($) | |
|---|---|
| Tier 1 capital | |
| Retained earnings, including current year earnings | 292,760,319 |
| Deductions from Tier 1 capital | (22,923,494) |
| Total Tier 1 capital | 269,836,825 |
| Tier 2 capital (net of deductions) | 63,078,347 |
| Total capital base | 332,915,172 |
| Risk Weighted Assets ($) | |
|---|---|
| Credit risk - standardised approach | |
| Corporate | - |
| Government | - |
| ADIs | 229,713,889 |
| Residential Mortgage | 1,666,062,420 |
| Other Retail | 255,165,331 |
| Other | 65,605,104 |
| Off Balance Sheet | 50,952,736 |
| Total capital requirement for credit risk | 2,267,499,480 |
| Capital requirement relating to securitisation exposures | 32,834,343 |
| Capital requirement for operational risk | 360,237,179 |
| Total risk weighted assets capital requirement | 2,660,571,002 |
| Tier 1 Capital Ratio | 10.14% |
| Total Capital Ratio | 12.51% |
| Gross Credit Exposure ($) |
Average Gross Credit Exposure for Quarter ($) |
|
|---|---|---|
| Exposure Type | ||
| Cash and investment securities | 1,222,798,181 | 1,050,565,907 |
| Loans and advances | 4,928,471,737 | 4,851,810,816 |
| Other assets | 216,108,841 | 199,735,997 |
| Total on balance sheet exposures | 6,367,378,759 | 6,102,112,720 |
| Loans approved not yet advanced | 123,636,369 | 125,426,373 |
| Other off balance sheet | 5,231,692 | 4,980,386 |
| Total off balance sheet exposures | 128,868,061 | 130,406,759 |
| Total exposures | 6,496,246,820 | 6,232,519,479 |
| Exposure by Category | ||
| Corporate | - | - |
| Government | 258,093,885 | 112,465,830 |
| ADIs | 964,704,296 | 938,100,077 |
| Residential Mortgage | 4,793,225,880 | 4,719,484,457 |
| Other Retail | 258,882,226 | 257,752,732 |
| Other | 221,340,533 | 204,716,383 |
| 6,496,246,820 | 6,232,519,479 | |
| Impaired loans ($) | Past due loans ($) | Specific provision balance ($) | Charges for specific provision ($) | Write-offs ($) | |
|---|---|---|---|---|---|
| Exposure by category | |||||
| Corporate | - | - | - | - | - |
| Government | - | - | - | - | - |
| ADIs | - | - | - | - | - |
| Residential Mortgage | 1,880,893 | 9,008,044 | 319,913 | (247,551) | 164,482 |
| Other Retail | 2,753,184 | 1,250,522 | 1,155,105 | (387,136) | 404,558 |
| Other | - | - | - | - | - |
| Total | 4,634,077 | 10,258,566 | 1,475,018 | (634,687) | 569,040 |
| General Reserve for Credit Losses | 3,167,943 | ||||
| Total Exposures Securitised ($) | Recognised Gain or Loss on Sale ($) | ||
|---|---|---|---|
| Underlying Asset Type | |||
| Residential Mortgage | - | - | |
| - | - | ||
| On Balance Sheet($) | Off Balance Sheet($) | Total Exposures($) | |
|---|---|---|---|
| Securitisation Facility Type | |||
| Liquidity Facilities | - | 11,004,704 | 11,004,704 |
| Funding Facilities | - | 418,350 | 418,350 |
| Swaps | - | 36,709,690 | 36,709,690 |
| Holdings of Securities | 60,035,077 | - | 60,035,077 |
| 60,035,077 | 48,132,744 | 108,167,821 | |
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