RISK CATEGORY
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BALANCE ($000's)
![]() |
FACTOR
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CAPITAL
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| Commercial Lending (Outstandings) |
|
|
|
| Commercial Loans |
792,101 |
6.46% |
51,191 |
| Commercial Real Estate |
82,894 |
6.72% |
5,571 |
| Commercial Leases |
1,332 |
7.01% |
93 |
| Other Commercial Lending |
0 |
NA |
0 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
0 |
NA |
0 |
| Home Equity Lending |
2,057,027 |
5.12% |
105,226 |
| Direct Consumer Loans and Lines |
24,223 |
4.45% |
1,079 |
| Indirect Loans and Lines |
6,687,911 |
3.04% |
203,312 |
| Credit Card |
1,349,294 |
9.29% |
125,322 |
| Indirect Leases |
2,758,871 |
6.16% |
169,836 |
| Other Consumer Lending |
93,649 |
6.31% |
5,908 |
|
|
|
|
| Securities Credit Risk |
63,575 |
0.69% |
436 |
| Equity Investment Risk |
0 |
NA |
0 |
| Securitized
Assets |
10,957,300 |
4.14% |
520,329 |
| Total Credit Risk |
11,853,965 |
|
1,188,304 |
|
|
|
|
| Deposits |
25,347 |
1.20% |
304 |
| Non Interest Expense |
343,018 |
4.23% |
14,517 |
| Total Operating Risk |
368,366 |
|
14,821 |
|
|
|
|
| Goodwill |
425,463 |
100.00% |
425,463 |
| OREO |
1,754 |
36.00% |
631 |
| Core Deposit Intangibles |
176 |
30.00% |
53 |
| Total Intangible Risk |
427,394 |
|
426,148 |
|
|
|
|
| Fixed Assets |
18,328 |
7.50% |
1,375 |
| Miscellaneous Assets |
205,309 |
6.21% |
12,754 |
|
|
|
|
| Capital Allocation |
|
|
1,643,401 |
|
|
|
|
| Net Income (YTD) |
|
|
50,249 |
|
|
|
|
| Annualized Return on Equity |
|
|
12.23% |
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