With Interest BY THE NUMBERS UNIVERSAL BENEFITS? How the universal banker model stacks up against the traditional branch model* New personal home equity loans per FTE .73 .67 Teller transactions per FTE 5,989 9,064 Personal checking accounts per FTE 226 164 New business checking accounts per FTE 3.5 4.5 *Median values from bank branches, divided by each branch's median FTE. Data as of June 30, 2016, covering the previous 12 months. 14 ICBA IndependentBanker May 2017 Source: ICBA/Crowe Horwath LLP 2017 Branch Benchmarking Report