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  appname.gif (2269 bytes) Back to Capital Allocations Home Page

the capital data
The Data
(ie. inputs/outputs)

The data is organized into sections with most of it having multiple access points. From this page, you can access the capital allocation figures:

bottom-up

 Line of Business Capital Allocation is a LOB breakdown which includes capital figures, net income YTD, and ROE calculations.

  You can also access tables of content which will take you into more detail for the following product lines:

commercial loans (cl)

 Commercial Loans   is a breakdown by grade/tenor of the cl balances, weighted avg. loss in event of default (LIED), and capital, assigned by type (outstandings, unused, performance, commercial, financial) to LOB's. This also leads to the Capital Factors applied to Commercial Loans.

consumer loans

 Consumer Loans is a breakdown of capital by consumer products (NCF ie. Auto Specialty Finance, Champion Mortgage, Key Home Equity Service; Direct Community Bank ie. Auto, RV and Mobile Homes)

  The last piece of the data puzzle is   specific risk categories which required calculations outlined through the following:

misc risk category details.gif (44811 bytes)

 Miscellaneous Risk Categories provides detail to various calculations such as noninterest expense