| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
74,569 |
9.57% |
7,133 |
| Commercial Real Estate |
1,278 |
9.72% |
124 |
| Commercial Leases |
4,748 |
7.09% |
337 |
| Other Commercial (Muni & IRB) |
5,888 |
1.20% |
71 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
98,402 |
4.14% |
4,074 |
| Home Equity Lending |
4,169,249 |
3.31% |
137,842 |
| Direct Consumer Loans and Lines |
1,830,932 |
6.35% |
116,308 |
| Indirect Loans and Lines |
261,211 |
6.82% |
17,882 |
|
|
|
|
| Securities Credit Risk |
0 |
NA |
0 |
|
|
|
|
| Branch Based Deposits |
25,373,893 |
0.10% |
24,571 |
| Non Interest Expense |
1,021,721 |
5.17% |
52,843 |
|
|
|
|
| Goodwill |
0 |
100.00% |
0 |
| Other Intangibles |
359 |
30.00% |
108 |
|
|
|
|
| OREO |
7,252 |
36.00% |
2,611 |
| Miscellaneous Assets |
508,017 |
9.92% |
50,387 |
|
|
|
|
| Fixed Assets |
34,663 |
7.50% |
2,600 |
|
|
|
|
| Other Intangibles |
0 |
NA |
0 |
|
|
|
|
| Capital Allocation |
|
|
416,895 |
|
|
|
|
| Net Income (YTD) |
|
|
51,918 |
|
|
|
|
| Annualized Return on Equity |
|
|
49.81% |
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