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Title: Overall Basis

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Subject: Business
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Date: April 22, 2004
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Length: 4 / 1137
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Subsequent purchases are slated in April, June, September, and December at $10,000 for each quarter. Monthly depreciation is estimated at approximately $15,000 per month. ORE ? Other Real Estate is calculated at 2% of net loans. Interest Earned not Collected ? The monthly balance is a percentage of gross loans...

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In the first quarter, IENC is 1.25% of gross loans. The factor increases by 25 bps each quarter. Prepaids & Other Assets ? Growth parallels the growth rate in total assets (39.13%). Total Deposits Each account category within the Total Deposits section reflects a growth rate that parallels the growth rate in total assets (39...

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