RISK CATEGORY
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BALANCE ($000's)
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FACTOR
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CAPITAL
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| Commercial Lending (Outstandings) |
|
|
|
| Commercial Loans |
11,143,314 |
7.88% |
877,792 |
| Commercial Real Estate |
3,734,706 |
8.08% |
301,741 |
| Commercial Leases |
1,473,240 |
7.09% |
104,482 |
| Other Commercial Lending |
135,140 |
1.20% |
1,622 |
|
|
|
|
| Consumer Lending |
|
|
|
| Residential Mortgages |
3,583,452 |
4.14% |
148,355 |
| Home Equity Lending |
4,174,954 |
3.31% |
138,081 |
| Direct Consumer Loans and Lines |
1,860,713 |
6.36% |
118,343 |
| Indirect Loans and Lines |
261,160 |
6.85% |
17,889 |
| Other Consumer Lending |
85,733 |
4.14% |
3,549 |
|
|
|
|
| Securities Credit Risk |
12,515 |
0.85% |
107 |
| Total Credit Risk |
26,464,927 |
|
1,711,961 |
|
|
|
|
| Deposits |
27,615,347 |
0.09% |
24,946 |
| Non Interest Expense |
1,789,579 |
5.14% |
91,901 |
| Total Operating Risk |
29,404,927 |
|
116,847 |
|
|
|
|
| Goodwill |
382,365 |
100.00% |
382,365 |
| Core Deposit Intangibles |
68,979 |
0.00% |
0 |
| Other Intangibles |
69,327 |
30.00% |
20,798 |
| OREO |
25,344 |
36.00% |
9,124 |
| Total Intangible Risk |
546,015 |
|
412,287 |
|
|
|
|
| Fixed Assets |
53,105 |
20.44% |
10,857 |
|
|
|
|
| Miscellaneous Assets |
2,034,863 |
3.20% |
65,044 |
|
|
|
|
| Capital Allocation |
|
|
2,316,997 |
|
|
|
|
| Net Income (YTD) |
|
|
128,929 |
|
|
|
|
| Annualized Return on Equity |
|
|
22.26% |
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