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Subprime Home Equity - 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


Home Equity Lending 14,687 7.50% 1,102




Securities Credit Risk 0 NA 0




Non Interest Expense 1,082 3.95% 43




Goodwill 0 NA 0




Miscellaneous Assets 0 NA 0




Fixed Assets 0 NA 0




Securitized Assets 0 NA 0




Capital Allocation

1,144




 Net Income (YTD)

-88




Annualized Return on Equity

-30.86%

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