RISK CATEGORY
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BALANCE ($000's)
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FACTOR
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CAPITAL
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| Commercial Lending (Outstandings) |
|
|
|
| Commercial Loans |
16,664,282 |
8.00% |
1,333,143 |
| Commercial Real Estate |
10,770,232 |
7.55% |
812,661 |
| Commercial Leases |
4,530,318 |
7.09% |
321,349 |
| Leveraged Leases |
1,244,331 |
3.50% |
43,601 |
| Other Commercial Lending |
428,132 |
1.37% |
5,856 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
4,754,491 |
4.14% |
196,728 |
| Home Equity Lending |
4,753,275 |
5.59% |
265,578 |
| Credit Card |
1,349,294 |
9.29% |
125,322 |
| Direct Consumer Loans and Lines |
2,992,548 |
6.38% |
190,891 |
| Indirect Loans and Lines |
6,942,380 |
3.19% |
221,261 |
| Indirect Leases |
2,758,871 |
6.16% |
169,836 |
| Other Consumer Lending |
153,514 |
6.16% |
9,458 |
|
|
|
|
| Securities Credit Risk |
8,903,888 |
1.32% |
117,623 |
| Equity Investment Risk |
14,192 |
1.20% |
170 |
| Securitized Assets |
10,957,300 |
4.75% |
520,329 |
| Total Credit Risk |
79,273,960 |
|
4,333,807 |
|
|
|
|
| Deposits |
30,608,474 |
0.08% |
25,517 |
| Non Interest Expense |
3,125,925 |
4.71% |
147,370 |
| Total Operating Risk |
33,734,399 |
|
172,887 |
|
|
|
|
| Goodwill |
1,422,025 |
100.00% |
1,442,052 |
| Deferred Software Expense |
215,848 |
32.07% |
69,220 |
| Core Deposit Intangibles |
71,860 |
0.32% |
227 |
| Other Intangibles |
69,327 |
30.00% |
20,798 |
| OREO |
35,295 |
35.79% |
12,634 |
| Total Intangible Risk |
1,814,355 |
|
1,524,930 |
|
|
|
|
| Fixed Assets |
874,496 |
1.79% |
15,653 |
| SEC Required Capital |
|
|
265,560 |
| Fiduciary Assets |
114,668,000 |
0.08% |
96,360 |
| Miscellaneous Assets |
7,145,102 |
1.70% |
121,749 |
|
|
|
|
| Capital Allocation |
|
|
6,530,947 |
|
|
|
|
| Net Income (YTD) |
|
|
293,348 |
|
|
|
|
| Annualized Return on Equity |
|
|
17.97% |
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