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COMMUNITY 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 11,143,314 7.88% 877,792
Commercial Real Estate 3,734,706 8.08% 301,741
Commercial Leases 1,473,240 7.09% 104,482
Other Commercial Lending 135,140 1.20% 1,622




Consumer Lending


Residential Mortgages 3,583,452 4.14% 148,355
Home Equity Lending 4,174,954 3.31% 138,081
Direct Consumer Loans and Lines 1,860,713 6.36% 118,343
Indirect Loans and Lines 261,160 6.85% 17,889
Other Consumer Lending 85,733 4.14% 3,549




Securities Credit Risk 12,515 0.85% 107
Total Credit Risk 26,464,927
1,711,961




Deposits 27,615,347 0.09% 24,946
Non Interest Expense 1,789,579 5.14% 91,901
Total Operating Risk 29,404,927
116,847




Goodwill 382,365 100.00% 382,365
Core Deposit Intangibles 68,979 0.00% 0
Other Intangibles 69,327 30.00% 20,798
OREO 25,344 36.00% 9,124
Total Intangible Risk 546,015
412,287




Fixed Assets 53,105 20.44% 10,857




Miscellaneous Assets 2,034,863 3.20% 65,044




Capital Allocation

2,316,997




Net Income (YTD)

128,929




Annualized Return on Equity

22.26%

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