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CONSUMER BANK - 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 792,101 6.46% 51,191
Commercial Real Estate 82,894 6.72% 5,571
Commercial Leases 1,332 7.01% 93
Other Commercial Lending 0 NA 0




Consumer Lending


Residential Mortgages 0 NA 0
Home Equity Lending 2,057,027 5.12% 105,226
Direct Consumer Loans and Lines 24,223 4.45% 1,079
Indirect Loans and Lines 6,687,911 3.04% 203,312
Credit Card 1,349,294 9.29% 125,322
Indirect Leases 2,758,871 6.16% 169,836
Other Consumer Lending 93,649 6.31% 5,908




Securities Credit Risk 63,575 0.69% 436
Equity Investment Risk 0 NA 0
Securitized Assets 10,957,300 4.14% 520,329
Total Credit Risk 11,853,965
1,188,304




Deposits 25,347 1.20% 304
Non Interest Expense 343,018 4.23% 14,517
Total Operating Risk 368,366
14,821




Goodwill 425,463 100.00% 425,463
OREO 1,754 36.00% 631
Core Deposit Intangibles 176 30.00% 53
Total Intangible Risk 427,394
426,148




Fixed Assets 18,328 7.50% 1,375
Miscellaneous Assets 205,309 6.21% 12,754




Capital Allocation

1,643,401




Net Income (YTD)

50,249




Annualized Return on Equity

12.23%

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