| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
1,329,838 |
5.01% |
66,569 |
|
|
|
|
| Consumer Lending |
2,110,578 |
4.66% |
98,324 |
|
|
|
|
| Non Interest Expense |
394,194 |
3.50% |
13,792 |
|
|
|
|
| Goodwill |
41,989 |
100.00% |
41,989 |
|
|
|
|
| Securities Credit Risk |
289,523 |
27.65% |
80,050 |
| Def Software Dev |
42,457 |
100.00% |
42,457 |
| Fixed Assets |
11,937 |
7.50% |
895 |
|
|
|
|
| Fiduciary Assets |
114,668,000 |
0.07% |
80,280 |
|
|
|
|
| Total Other Risk |
1,251,066 |
0.06% |
809 |
|
|
|
|
| Capital Allocation |
|
|
425,166 |
|
|
|
|
| Net Income (YTD) |
|
|
25,760 |
|
|
|
|
| Annualized Return on Equity |
|
|
24.23% |
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