| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending (Outstandings) |
|
|
|
| Commercial Loans |
3,581,536 |
9.91% |
354,859 |
| Commercial Real Estate |
6,517,019 |
7.41% |
483,028 |
| Commercial Leases |
2,952,077 |
7.09% |
209,361 |
| Leveraged Leases |
1,244,331 |
3.50% |
43,601 |
| Other Commercial Lending |
24,666 |
1.20% |
296 |
|
|
|
|
| Consumer Lending |
74,501 |
|
3,440 |
| Residential Mortgages |
60,517 |
4.14% |
2,505 |
| Home Equity Lending |
311 |
3.75% |
12 |
| Direct Consumer Loans and Lines |
13,634 |
6.75% |
920 |
| Indirect Loans and Lines |
39 |
7.37% |
3 |
| Indirect Leases |
0 |
NA |
0 |
| Other Consumer Lending |
0 |
NA |
0 |
|
|
|
|
| Securities Credit Risk |
484,299 |
0.48% |
2,310 |
| Equity Investment Risk |
0 |
NA |
0 |
| Total Credit Risk |
13,634,097 |
|
1,100,336 |
|
|
|
|
| Deposits |
85,227 |
0.02% |
18 |
| Non Interest Expense |
173,144 |
4.61% |
7,986 |
| Fiduciary Assets |
NA |
NA |
0 |
| Total Operating Risk |
258,371 |
|
8,003 |
|
|
|
|
| Goodwill |
153,778 |
100.00% |
150,872 |
| I/O- Strip Securitization (Net) |
0 |
NA |
0 |
| Core Deposit Intangibles |
814 |
21.00% |
171 |
| OREO |
7,996 |
36.00% |
2,878 |
| Total Intangible Risk |
162,587 |
|
153,921 |
|
|
|
|
| Fixed Assets |
10,108 |
37.48% |
512 |
| Miscellaneous Assets |
417,005 |
2.43% |
10,017 |
|
|
|
|
| Capital Allocation |
|
|
1,272,790 |
|
|
|
|
| Net Income (YTD) |
|
|
66,734 |
|
|
|
|
| Annualized Return on Equity |
|
|
20.97% |
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