RISK CATEGORY
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BALANCE ($000's)
![]() |
CAPITAL
![]() |
FACTOR
![]() |
| Commercial Lending |
|
|
|
| Commercial Loans |
1,346,358 |
6.96% |
93,707 |
| Commercial Real Estate |
1,003,186 |
6.96% |
69,822 |
| Commercial Leases |
1,212 |
7.09% |
86 |
| Other Commercial (Muni & IRB) |
39 |
1.20% |
0 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
89,368 |
4.14% |
3,700 |
| Home Equity Lending |
39 |
7.50% |
3 |
| Direct Consumer Loans and Lines |
256 |
7.42% |
19 |
| Indirect Loans and Lines |
177 |
6.29% |
11 |
| Indirect Leases |
0 |
NA |
0 |
| Other Consumer Loans |
0 |
NA |
0 |
|
|
|
|
| Securities Credit Risk |
0 |
NA |
0 |
|
|
|
|
| Deposits |
1,888,377 |
0.00% |
0 |
| Non Interest Expense |
26,035 |
5.52% |
17,246 |
|
|
|
|
| Goodwill |
0 |
NA |
0 |
|
|
|
|
| Miscellaneous Assets |
331,217 |
0.22% |
733 |
|
|
|
|
| Fixed Assets |
146 |
7.50% |
11 |
|
|
|
|
| Other Intangibles |
0 |
NA |
0 |
|
|
|
|
| Capital Allocation |
|
|
185,338 |
|
|
|
|
| Net Income (YTD) - 3/99 |
|
|
17,511 |
|
|
|
|
| Return on Equity |
|
|
37.79% |
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