| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
726,636 |
5.40% |
39,238 |
| Commercial Real Estate |
401,414 |
5.40% |
21,676 |
| Commercial Leases |
10,368 |
7.09% |
735 |
| Other Commercial Lending |
961 |
1.20% |
12 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
1,102,561 |
4.14% |
45,646 |
| Home Equity Lending |
558,742 |
3.98% |
22,255 |
| Direct Consumer Loans and Lines |
287,967 |
6.82% |
19,649 |
|
|
|
|
| Securities Credit Risk |
0 |
NA |
0 |
|
|
|
|
| Deposits |
1,093,243 |
0.03% |
340 |
| Non Interest Expense |
130,296 |
3.95% |
5,144 |
|
|
|
|
| Goodwill |
116 |
100.00% |
116 |
|
|
|
|
| Miscellaneous Assets |
94,194 |
2.41% |
2,271 |
|
|
|
|
| Fixed Assets |
3,951 |
7.50% |
296 |
|
|
|
|
| Fiduciary Assets |
47,145,000 |
NA |
37,680 |
|
|
|
|
| Capital Allocation |
|
|
195,059 |
|
|
|
|
| Net Income (YTD) |
|
|
8,370 |
|
|
|
|
| Annualized Return on Equity |
|
|
17.16% |
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