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Commercial Real Estate

Leasing Non-Relationship

Specialty Finance & Corp.

Total Corp Banking Other/Admin



Key
CORPORATE CAPITAL - Major 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 (Outstandings)


Commercial Loans 3,581,536 9.91% 354,859
Commercial Real Estate 6,517,019 7.41% 483,028
Commercial Leases 2,952,077 7.09% 209,361
Leveraged Leases 1,244,331 3.50% 43,601
Other Commercial Lending 24,666 1.20% 296




Consumer Lending 74,501
3,440
Residential Mortgages 60,517 4.14% 2,505
Home Equity Lending 311 3.75% 12
Direct Consumer Loans and Lines 13,634 6.75% 920
Indirect Loans and Lines 39 7.37% 3
Indirect Leases 0 NA 0
Other Consumer Lending 0 NA 0




Securities Credit Risk 484,299 0.48% 2,310
Equity Investment Risk 0 NA 0
Total Credit Risk 13,634,097
1,100,336




Deposits 85,227 0.02% 18
Non Interest Expense 173,144 4.61% 7,986
Fiduciary Assets NA NA 0
Total Operating Risk 258,371
8,003




Goodwill 153,778 100.00% 150,872
I/O- Strip Securitization (Net) 0 NA 0
Core Deposit Intangibles 814 21.00% 171
OREO 7,996 36.00% 2,878
Total Intangible Risk 162,587
153,921




Fixed Assets 10,108 37.48% 512
Miscellaneous Assets 417,005 2.43% 10,017




Capital Allocation

1,272,790




Net Income (YTD)

66,734




Annualized Return on Equity

20.97%

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