RISK CATEGORY
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BALANCE ($000's)
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FACTOR
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CAPITAL
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| Commercial Lending |
|
|
|
| Commercial Loans |
9,585,506 |
7.92% |
759,332 |
| Commercial Real Estate |
2,563,796 |
8.21% |
210,361 |
| Commercial Leases |
1,455,911 |
7.09% |
103,253 |
| Other Commercial (Muni & IRB) |
126,476 |
1.20% |
1,518 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
39,479 |
4.14% |
1,634 |
| Home Equity Lending |
2,735 |
6.53% |
179 |
| Direct Consumer Loans and Lines |
29,402 |
6.77% |
1,990 |
|
|
|
|
| Deposits |
337,173 |
0.09% |
308 |
| Non Interest Expense |
391,807 |
4.92% |
19,266 |
|
|
|
|
| Goodwill |
0 |
NA |
0 |
|
|
|
|
| Miscellaneous Assets |
933,827 |
1.20% |
11,184 |
|
|
|
|
| Fixed Assets |
3,525 |
7.50% |
264 |
|
|
|
|
| Other Intangibles |
1,169 |
1.20% |
14 |
|
|
|
|
| Capital Allocation |
|
|
1,109,303 |
|
|
|
|
| Net Income (YTD) |
|
|
45,677 |
|
|
|
|
| Annualized Return on Equity |
|
|
16.47% |
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