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Retail ATM - Secondary 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 0 NA 0




Consumer Lending 0 NA 0




Securities Credit Risk 0 NA 0




Non Interest Expense 4,098 3.95% 162




Goodwill 0 NA 0




Miscellaneous Assets 0 NA 0




Fixed Assets 0 NA 0




Other Intangibles 0 NA 0




Capital Allocation

162




Net Income (YTD)

-1




Annualized Return on Equity

-1.47%

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