| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending (Outstandings) |
|
|
|
| Commercial Loans |
1,008,291 |
4.88% |
49,236 |
| Commercial Real Estate |
435,613 |
5.12% |
22,322 |
| Commercial Leases |
104,520 |
7.09% |
7,413 |
| Other Commercial Lending |
245,781 |
1.58% |
3,883 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
1,107,922 |
4.14% |
45,868 |
| Home Equity Lending |
558,854 |
3.98% |
22,259 |
| Direct Consumer Loans and Lines |
1,051,459 |
6.71% |
70,549 |
| Indirect Loans and Lines |
0 |
NA |
0 |
| Indirect Leases |
0 |
NA |
0 |
| Other Consumer Lending |
0 |
NA |
0 |
|
|
|
|
| Securities Credit Risk |
2,051,054 |
4.43% |
90,816 |
| Equity Investment Risk |
14,192 |
1.20% |
170 |
| Total Credit Risk |
6,577,686 |
|
312,515 |
|
|
|
|
| Deposits |
1,548,765 |
0.01% |
177 |
| Non Interest Expense |
804,777 |
3.80% |
30,561 |
| Total Operating Risk |
2,353,542 |
|
30,737 |
|
|
|
|
| Goodwill |
463,351 |
100.00% |
463,351 |
| I/O- Strip Securitization (Net) |
0 |
NA |
0 |
| Core Deposit Intangibles |
11 |
30.00% |
3 |
| Total Intangible Risk |
463,362 |
|
463,354 |
|
|
|
|
| Deferred Software |
49,951 |
100.00% |
49,951 |
| Fixed Assets |
35,965 |
7.50% |
2,697 |
| SEC Required Capital |
|
|
265,560 |
| Fiduciary Assets |
114,668,000 |
0.08% |
96,360 |
| Miscellaneous Assets |
1,227,334 |
0.57% |
6,999 |
|
|
|
|
| Capital Allocation |
|
|
1,228,175 |
|
|
|
|
| Net Income (YTD) |
|
|
17,800 |
|
|
|
|
| Annualized Return on Equity |
|
|
5.80% |
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