|
2005
|
2006
|
2007
|
2008
|
2009
|
Average
|
|
|
FIFG Charge Off%
|
0.00% | 0.00% | 0.00% | 0.98% | 0.59% | 0.32% |
|
SBA Charge Off%
|
0.23% | 1.52% | 0.80% | 1.66% | 1.46% | 1.13% |
|
Return On Assets*
|
NM | 15.00% | 16.84% | 7.43% | 17.91% | 14.30% |
*Assumptions:
- 3.00% cost of funds. In many cases, our community bank lending partners have obtained depository relationships with the small business borrowers, which have reduced their cost of funds.
- 10.50% capital reserve requirement on the unguaranteed portion of the outstanding loan balance.
- Our variable cost service allows our community bank lending partners to increase their return on assets by utilizing existing bank resources