| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
2,756,939 |
8.26% |
227,645 |
| Commercial Real Estate |
1,519,424 |
8.28% |
125,808 |
| Commercial Leases |
488,607 |
7.09% |
34,652 |
| Other Commercial (Muni & IRB) |
68,719 |
1.20% |
825 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
29,763 |
4.14% |
1,232 |
| Home Equity Lending |
2,587 |
6.65% |
172 |
| Direct Consumer Loans and Lines |
14,920 |
6.77% |
1,010 |
|
|
|
|
| Securities Credit Risk |
0 |
NA |
0 |
|
|
|
|
| Deposits |
213,161 |
0.02% |
35 |
| Non Interest Expense |
134,172 |
5.35% |
7,181 |
|
|
|
|
| Goodwill |
0 |
NA |
0 |
|
|
|
|
| Miscellaneous Assets |
222,278 |
2.01% |
4,477 |
|
|
|
|
| Fixed Assets |
1,116 |
7.50% |
84 |
|
|
|
|
| Other Intangibles |
0 |
NA |
0 |
|
|
|
|
| Capital Allocation |
|
|
403,121 |
|
|
|
|
| Net Income (YTD) |
|
|
17,720 |
|
|
|
|
| Annualized Return on Equity |
|
|
17.58% |
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