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Upper Middle Market

Community Middle Market

Commercial Banking Other

Large Corporate

Wealth Transfer


COMMERCIAL BANKING - Primary LOB MARCH 1999

Performance Comparisons:
Net Income and Capital
NIACC (Net Income Adjusted for Capital Charge)
ROE

RISK CATEGORY
BALANCE ($000's)
FACTOR
CAPITAL
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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