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Asset Management

McDonald Investments

KCP Admin



Key
CAPITAL PARTNERS - 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 1,008,291 4.88% 49,236
Commercial Real Estate 435,613 5.12% 22,322
Commercial Leases 104,520 7.09% 7,413
Other Commercial Lending 245,781 1.58% 3,883




Consumer Lending


Residential Mortgages 1,107,922 4.14% 45,868
Home Equity Lending 558,854 3.98% 22,259
Direct Consumer Loans and Lines 1,051,459 6.71% 70,549
Indirect Loans and Lines 0 NA 0
Indirect Leases 0 NA 0
Other Consumer Lending 0 NA 0




Securities Credit Risk 2,051,054 4.43% 90,816
Equity Investment Risk 14,192 1.20% 170
Total Credit Risk 6,577,686
312,515




Deposits 1,548,765 0.01% 177
Non Interest Expense 804,777 3.80% 30,561
Total Operating Risk 2,353,542
30,737




Goodwill 463,351 100.00% 463,351
I/O- Strip Securitization (Net) 0 NA 0
Core Deposit Intangibles 11 30.00% 3
Total Intangible Risk 463,362
463,354




Deferred Software 49,951 100.00% 49,951
Fixed Assets 35,965 7.50% 2,697
SEC Required Capital     265,560
Fiduciary Assets 114,668,000 0.08% 96,360
Miscellaneous Assets 1,227,334 0.57% 6,999




Capital Allocation

1,228,175




Net Income (YTD)

17,800




Annualized Return on Equity

5.80%

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