| |
TOPIC |
TAB
|
PAGE |
| |
|
|
|
| Introduction |
1 |
|
 |
Introduction |
|
|
| |
Resources
Utilized |
|
|
| |
|
|
|
| Executive
Summary and Recommendations |
2 |
|
| |
Analyses |
|
|
| |
Summary
of Findings: |
|
|
| |
Consumer Demographics |
|
|
| |
Most Attractive Markets |
|
|
| |
Our State Trust Industry |
|
|
| |
Bank Competition |
|
|
| |
Comparable Statewide Our State Statistics |
|
|
| |
Conclusions of Demographic and Competitive Analyses |
|
|
| |
Compatibility with Present Product Offerings |
|
|
| |
Financial Implications |
|
|
| |
Recommendations |
|
|
| |
Summary
of Strengths and Weaknesses |
|
|
| |
Recommended
Product Offerings |
|
|
| Demographic
Analysis |
3 |
|
| |
Introduction |
|
|
| |
Summary
of Pertinent Findings - All Zip Codes |
|
|
| |
Demographic
/ Consumer Characteristics Conclusions |
|
|
| |
Zip
Codes Included in Study (Chart and Map) (*) |
|
|
| |
Demographics
- All Zip Codes Included in Study |
|
|
| |
Demographic
Screening Process |
|
|
| |
Most
Attractive Zip Codes (Chart and Map) (*) |
|
|
| |
Summary
of Demographic Information |
|
|
| |
List
of Most Attractive Zip Code Markets |
|
|
| |
Branch
Distribution Weightings |
|
|
| |
Graphs |
|
|
| |
% of Population Over Age 45 (Graph) |
|
|
| |
% of Population Over Age 65 (Graph) |
|
|
| |
% Households with $50,000+ Income (Graph) |
|
|
| |
% Households with $100,000+ Income (Graph) |
|
|
| |
% Households with $150,000+ Income (Graph) |
|
|
| |
Median
Household Income (Graph) |
|
|
| |
Investment
Spending Index (Graph) |
|
|
| |
U.S.
Trust Industry - Managed/Non-Managed (Graph) |
|
|
| |
Our
State Trust Industry - Managed/Non-Managed (Graph) |
|
|
| Competitive
Analysis: |
4 |
|
| |
Summary
of Competitive Findings |
|
|
| |
Institutions
Offering Trust Services |
|
|
| |
Statewide
Comparable Screening Process |
|
|
| |
Introduction
to XXXX Potential Competitors |
|
|
| |
Comments
Specific to Institutions Eliminated |
|
|
| |
Comments
Specific to Comparable Competitors |
|
|
| |
Concluding
Competitive Comments |
|
|
| |
Identification
of All Potential Competitors: |
|
|
| |
Detail of Account Types (Chart) |
|
|
| |
Detail of Average Account Size (Chart) |
|
|
| |
Identification
of Most Comparable Competitors: |
|
|
| |
Detail of Account Types (Chart) |
|
|
| |
Detail of Average Account Size (Chart) |
|
|
| |
Presence
of Potential Competitors |
|
|
| |
Identification
of Statewide Comparables: |
|
|
| |
Detail of Account Types (Chart) |
|
|
| |
Detail of Average Account Size (Chart) |
|
|
| |
Summary
of Select Competitive Findings (Chart) |
|
|
| |
Total
Discretionary Assets by State (Chart) |
|
|
| |
Graphic
Presentations: |
|
|
| |
Competitors and Comparables - Average Account Size |
|
|
| |
Competitors and Comparables - % of Assets Managed |
|
|
| |
|
|
|
| |
|
|
|
| Financial
Projections: |
5 |
|
| |
Introduction |
|
|
| |
Projection
Comparisons |
|
|
| |
Market
Value Projections |
|
|
| |
Market
Size/Account Projections |
|
|
| |
Notation
Re Projections of Numbers of Accounts |
|
|
| |
Net
Income / Capital Repayment Schedule (Chart) |
|
|
| |
Derivation
and Explanation of Financial Assumptions |
|
|
| |
FRB
Functional Cost Analysis - Expense Distribution |
|
|
| |
FRB
Functional Cost Analysis - Staff Compensation |
|
|
| |
Revenue
/ Expense / Net Income Projections: |
|
|
| |
Revenue / Expense / Net Income Line Items |
|
|
| |
Variable Assumptions |
|
|
| |
Explanation of "Other" Operating Expenses |
|
|
| |
Industry
Comparisons |
|
|
| |
Projected
Market Size / Market share |
|
|
| |
Capital
Expense Projections |
|
|
| |
Summary
of Net Income / Capital Repayment Projections |
|
|
| |
Ten-Year
Financial Projections - Graph |
|
|
| |
Ten-Year
Market Value Projections - Graph |
|
|
| |
|
|
|
| Requirements
For Success |
6 |
|
| |
|
|
|
| Questions
/ Answers |
7 |
|
| |
|
|
|
| Reference
Sections: |
|
|
| |
Introduction |
|
|
| |
Section
(A) |
8 |
|
| |
All Our State Banks: |
|
|
| |
Sort by Location of Headquarters |
|
|
| |
Sort by Name of Institution |
|
|
| |
Sort by Institution Asset Size |
|
|
| |
Section
(B): |
9 |
|
| |
Our State Banks With Trust Assets > $10 Million: |
|
|
| |
Sort by Location of Headquarters |
|
|
| |
Sort by Average Account Size |
|
|
| |
Section
(C): |
10 |
|
| |
Detail Trust Department Information re Statewide Comparables |
|
|
| |
Sort by Location of Headquarters |
|
|
| |
Sort by Name of Institution |
|
|
| |
Sort by Asset Size of Institution |
|
|
| |
Sort by Trust Market Value |
|
|
| |
Sort by Average Trust Account Size |
|
|
| |
|
|
|
| |
(*)
mapping is optional dependent upon capabilities and desires of user |
|
|
