| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
3,314,711 |
7.32% |
242,637 |
| Commercial Real Estate |
187,567 |
7.32% |
13,730 |
| Commercial Leases |
349,885 |
7.09% |
24,814 |
| Other Commercial (Muni & IRB) |
12,288 |
1.20% |
147 |
|
|
|
|
| Consumer Lending |
|
|
|
| Direct Consumer Loans and Lines |
1,812 |
6.76% |
122 |
|
|
|
|
| Securities Credit Risk |
0 |
NA |
0 |
|
|
|
|
| Deposits |
20,979 |
0.95% |
199 |
| Non-Interest Expense |
136,278 |
5.35% |
7,294 |
|
|
|
|
| Goodwill |
0 |
NA |
0 |
|
|
|
|
| Miscellaneous Assets |
378,453 |
0.78% |
2,941 |
|
|
|
|
| Fixed Assets |
41 |
7.50% |
3 |
|
|
|
|
| Other Intangibles |
0 |
NA |
0 |
|
|
|
|
| Capital Allocation |
|
|
291,887 |
|
|
|
|
| Net Income (YTD) |
|
|
7,500 |
|
|
|
|
| Annualized Return on Equity |
|
|
10.28% |
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