target and maximum levels, assumed, for Mr. Hoyt's Wholesale Banking
Group, continued double -
digit loan growth and favorable credit quality; for Mr. Oman's Home and Consumer Finance
Group, improvement in the home mortgage business due to cost control and expected improvements in the yield curve favorably affecting earnings from hedging activities; and for Ms. Tolstedt's Community Banking
Group, growth in deposits, especially low or no - cost core deposits, continued
loan growth, and stable credit loss rates.