| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
3,415,025 |
8.28% |
282,764 |
| Commercial Real Estate |
850,539 |
8.28% |
70,425 |
| Commercial Leases |
614,976 |
7.09% |
43,614 |
| Other Commercial (Muni & IRB) |
45,469 |
1.20% |
546 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
8,563 |
4.14% |
355 |
| Home Equity Lending |
148 |
4.44% |
7 |
| Direct Consumer Loans and Lines |
12,202 |
6.77% |
826 |
|
|
|
|
| Securities Credit Risk |
0 |
NA |
0 |
|
|
|
|
| Deposits |
102,892 |
0.07% |
75 |
| Non Interest Expense |
117,899 |
3.95% |
4,655 |
|
|
|
|
| Goodwill |
0 |
NA |
0 |
|
|
|
|
| Miscellaneous Assets |
285,151 |
1.29% |
3,676 |
|
|
|
|
| Fixed Assets |
456 |
7.50% |
34 |
|
|
|
|
| Other Intangibles |
0 |
NA |
0 |
|
|
|
|
| Capital Allocation |
|
|
406,976 |
|
|
|
|
| Net Income (YTD) |
|
|
21,372 |
|
|
|
|
| Annualized Return on Equity |
|
|
21.01% |
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