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McDonald Trust - Secondary LOB
MARCH 1999

Performance Comparisons:
Net Income and Capital
NIACC (Net Income Adjusted for Capital Charge)
ROE

RISK CATEGORY BALANCE ($000's) FACTOR CAPITAL
Commercial Lending 0 NA 0




Consumer Lending 0 NA 0




Securities Credit Risk 98 NA 1




Non Interest Expense 2,381 3.95% 94




Goodwill 0 NA 0
Other Intangibles 9 30.00% 3




Miscellaneous Assets 1,993 0.35% 7




Fixed Assets 581 7.50% 44




Fiduciary Assets 0 NA 0




Capital Allocation

148




Net Income (YTD)

47




Annualized Return on Equity

126.32%

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