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Re: Enterprising Investor post# 5

Thursday, 10/31/2013 1:42:12 AM

Thursday, October 31, 2013 1:42:12 AM

Post# of 55
Capital levels continue to improve.

The Tier 1 Capital ratio and Total Risk Based Capital ratio were at 7.0 percent and 11.3 percent, respectively, at 6/30/13. These ratios improved to 7.2 percent and 11.4 percent at 9/30/13.

"Someone said it takes 30 years to be an instant success" - Gabriel Barbier-Mueller, CEO of Harwood International

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