| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
2,454,800 |
10.70% |
262,572 |
| Commercial Real Estate |
1,169,873 |
10.98% |
128,445 |
| Direct Commercial Leases |
189,093 |
7.09% |
13,410 |
| Other |
14,598 |
1.20% |
175 |
|
|
|
|
| Consumer Lending |
11,487 |
6.75% |
775 |
|
|
|
|
| Non Interest Expense |
51,886 |
5.19% |
2,690 |
|
|
|
|
| Goodwill |
2,017 |
100.00% |
2,017 |
|
|
|
|
| Capital for Fixed Assets |
699 |
7.50% |
52 |
|
|
|
|
| Other Intangibles |
0 |
|
0 |
|
|
|
|
| Total Other Risk |
232,971 |
2.94% |
6,839 |
|
|
|
|
| Capital Allocation |
|
|
416,977 |
|
|
|
|
| Net Income (YTD) |
|
|
21,870 |
|
|
|
|
| Annualized Return on Equity |
|
|
20.98% |
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