Year Ended December 31,
		2005				2004				2003
		(Dollars in thousands)
Average net investment in direct financing leases		$	523,948			$	446,965			$	363,853
Salaries and benefits expense			18,173				14,447				10,273
General and administrative expense			11,908				10,063				7,745
Efficiency ratio			43.36	%			41.63	%			43.15	%
Percent of average net investment in leases:
Salaries and benefits			3.47	%			3.23	%			2.82	%
General and administrative			2.27	%			2.25	%			2.13	%