| RISK CATEGORY |
BALANCE ($000's) |
FACTOR |
CAPITAL |
| Commercial Lending |
|
|
|
| Commercial Loans |
123,342 |
4.60% |
5,669 |
| Other |
341,026 |
2.84% |
9,682 |
|
|
|
|
| Consumer Lending |
654,241 |
6.76% |
44,197 |
|
|
|
|
| Securities Credit Risk |
1,775,722 |
0.62% |
10,937 |
|
|
|
|
| Non Interest Expense |
346,536 |
4.11% |
14,240 |
|
|
|
|
| Goodwill |
27,527 |
100.00% |
27,527 |
|
|
|
|
| Capital for Fixed Assets |
24,172 |
7.50% |
1,813 |
| Deferred Softward Development |
7,494 |
100.00% |
7,494 |
| SEC
Required Capital |
|
|
265,560 |
| Fiduciary Assets |
2,548,000 |
0.63% |
16,080 |
|
|
|
|
| Total Other Risk |
1,530,646 |
0.23% |
3,533 |
|
|
|
|
| Capital Allocation |
|
|
406,731 |
|
|
|
|
| Net Income (YTD) |
|
|
8,731 |
|
|
|
|
| Annualized Return on Equity |
|
|
8.59% |
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