| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
210,061 |
11.73% |
24,649 |
| Commercial Real Estate |
169,175 |
12.81% |
21,667 |
| Commercial Leases |
4,957 |
7.09% |
352 |
| Other Commercial (Muni & IRB) |
8,625 |
1.20% |
104 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
3,420,653 |
4.14% |
141,615 |
| Home Equity Lending |
4,170,773 |
3.31% |
137,896 |
| Direct Consumer Loans and Lines |
1,831,312 |
6.35% |
116,334 |
| Other |
261,211 |
6.85% |
17,882 |
|
|
|
|
| Deposits |
25,373,893 |
0.10% |
24,571 |
| Non Interest Expense |
1,086,379 |
5.10% |
55,430 |
|
|
|
|
| Goodwill |
0 |
100.00% |
0 |
|
|
|
|
| Fixed Assets |
34,663 |
7.50% |
2,600 |
|
|
|
|
| Other Intangibles |
0 |
|
0 |
|
|
|
|
| Total Other Risk |
788,628 |
7.88% |
62,153 |
|
|
|
|
| Capital Allocation |
|
|
605,251 |
|
|
|
|
| Net Income (YTD) |
|
|
63,551 |
|
|
|
|
| Annualized Return on Equity |
|
|
42.00% |
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