RISK CATEGORY
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BALANCE ($000's)
![]() |
FACTOR
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CAPITAL
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| Commercial Lending (Outstandings) |
|
|
|
| Commercial Loans |
139,039 |
0.05% |
65 |
| Commercial Real Estate |
-12,337 |
0.00% |
0 |
| Commercial Leases |
-851 |
0.00% |
0 |
| Other Commercial Lending |
22,545 |
0.24% |
55 |
|
|
|
|
| Consumer Lending |
57,430 |
0.10% |
57 |
| Residential Mortgages |
2,599 |
0.00% |
0 |
| Home Equity Lending |
19,042 |
0.00% |
0 |
| Direct Consumer Loans and Lines |
42,519 |
0.00% |
0 |
| Indirect Loans and Lines |
-6,730 |
-0.84% |
57 |
| Indirect Leases |
0 |
NA |
0 |
| Other Consumer Lending |
0 |
NA |
0 |
|
|
|
|
| Securities Credit Risk |
6,292,446 |
0.38% |
23,954 |
| Equity Investment Risk |
0 |
NA |
0 |
| Total Credit Risk |
6,511,459 |
|
24,131 |
|
|
|
|
| Deposits |
1,333,788 |
0.01% |
72 |
| Non Interest Expense |
15,406 |
15.62% |
2,407 |
| Total Operating Risk |
1,349,194 |
|
2,479 |
|
|
|
|
| Goodwill |
-26 |
0.00% |
0 |
| I/O- Strip Securitization (Net) |
0 |
NA |
0 |
| Deferred Software Expense |
165,535 |
11% |
18,907 |
| Core Deposit Intangibles |
1,879 |
0.00% |
0 |
| OREO |
202 |
0.00% |
0 |
| Total Intangible Risk |
167,590 |
|
18,907 |
|
|
|
|
| Fixed Assets |
760,267 |
0.03% |
212 |
|
|
|
|
|
|
|
|
| Miscellaneous Assets |
3,257,698 |
0.73% |
23,857 |
|
|
|
|
| Capital Allocation |
|
|
69,585 |
|
|
|
|
| Net Income (YTD) |
|
|
25,530 |
|
|
|
|
| Annualized Return on Equity |
|
|
146.76% |
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