| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
1,100,179 |
12.84% |
141,263 |
| Commercial Real Estate |
308,820 |
12.84% |
39,652 |
| Direct Commercial Leases |
52,821 |
7.09% |
3,746 |
| Other Commercial (Muni & IRB) |
43 |
1.20% |
1 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
30 |
4.14% |
1 |
| Direct Consumer Loans and Lines |
11,080 |
6.76% |
749 |
|
|
|
|
| Securities Credit Risk |
8,270 |
1.20% |
99 |
|
|
|
|
| Deposits |
674 |
0.89% |
6 |
| Non Interest Expense |
11,297 |
5.88% |
664 |
|
|
|
|
| Goodwill |
2,017 |
100.00% |
2,017 |
|
|
|
|
| Miscellaneous Assets |
23,413 |
3.05% |
713 |
|
|
|
|
| Fixed Assets |
231 |
7.50% |
17 |
|
|
|
|
| Other Intangibles |
0 |
NA |
0 |
|
|
|
|
| Capital Allocation |
|
|
188,929 |
|
|
|
|
| Net Income (YTD) thru 3/99 |
|
|
8,917 |
|
|
|
|
| Annualized Return on Equity |
|
|
18.88% |
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