PRICE LIST
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IRA ONLINE PRICE LIST |
| Historical Performance Table |
IRA Bank Stress Benchmarks Grade Stress Index Number ROE, % Efficiency Ratio Goodwill Writedowns Capital Ratios T1/RWA RBC/RWA T1/ASSET Basel II Benchmarks Bond Equivalent Defaults, Method 1 B.E.D., Method 2 Default Rate, bp LGD: Loss Given Default, % M: Wt. Avg. Maturity, yr EAD: Exposure At Default, % Economic Capital Analysis EC RAROC, % Tier 1 RBC T1RBC to EC Leverage Bank Tangible Common Equity Percent of Tangible Assets (TCE Ratio) TCE to EC Leverage Regulatory Watch Points Total Assets Total Lending Total Securities Net Interest Income, YTD Earning Assets, Total Net Interest Margin, Current Qtr - Annualized NIMY, from FDIC 5YR METHOD Total Deposits Brokered Deposits Reciprocal Brokered Deposits Volatile Liabilities, per FDIC FHLB Advances FHLB Advances-to-Assets, percent Brokered to Total Deposits, percent FHLB+BRO+VOLIAB to Assets, percent Gross Defaults, Actual Provision for Loan Losses, Income Statement Actual-to-Provision Ratio Balance Sheet Allowances for Loan Losses Gross Defaults, Total 30-89 Day Assets, Total Guaranteed Portion of 30-89 Over 90 Assets, Total Guaranteed Portion of Over 90 Non-Accrual Assets, Total Guaranteed Portion of NA Real Estate Owned (REO) Total Troubled Assets Troubled Assets % of Total Assets % factored for less 80% GTY Offsets Non-Conforming Assets, Reported Off Balance Sheet Derivatives, Notional Loss Realization Margin to RBC, bp | 2010 F 29.8 -2.43 141.0% 0 Fail 0.3% 0.6% 0.2% B CCC 862.5 95.29 1.13 4.6 $229,324 -30.95% $3,603 0.0:1 $-50,233 -3.18% -0.22:1 $1,583,611 $1,025,505 $237,756 $18,862 $1,423,106 1.77% 1.65% $1,488,785 $266,638 $14,005 $534,320 $80,460 5.08% 17.91% 55.66% $66,340 $63,731 1.04:1 $34,385 $66,340 $10,782 $0 $0 $0 $203,697 $0 $94,757 $375,576 23.72% 23.72% $203,697 $10,654 6,764 | 2010 F 26.7 -1.21 134.2% 0 Fail 0.8% 1.6% 0.6% CCC CCC 1,163.5 96.25 0.90 5.4 $231,759 -27.62% $9,964 0.0:1 $-48,987 -2.99% -0.21:1 $1,646,373 $1,071,518 $233,660 $13,553 $1,487,142 1.82% 1.73% $1,538,345 $307,723 $21,299 $514,580 $85,541 5.20% 20.00% 55.14% $62,338 $61,205 1.02:1 $35,074 $62,338 $83,398 $0 $0 $0 $163,960 $0 $93,493 $403,189 24.49% 24.49% $163,960 $7,078 28,155 | 2010 F 22.3 -0.07 125.9% 0 Fail 4.7% 6.0% 3.6% B B 426.7 95.75 0.74 5.6 $187,443 -7.08% $61,726 0.3:1 $-12,490 -0.73% -0.07:1 $1,709,152 $1,168,681 $242,519 $6,756 $1,567,363 1.72% 1.69% $1,547,046 $355,555 $28,727 $484,066 $85,541 5.00% 22.98% 54.13% $12,467 $9,085 1.37:1 $31,018 $12,467 $109,026 $0 $0 $0 $157,734 $0 $76,040 $355,267 20.79% 20.79% $157,734 $3,120 251,189 | 2009 F 23.5 -0.11 97.8% 1,571 Fail 5.2% 6.4% 4.1% B CCC 854.8 94.99 0.82 6.6 $199,496 -49.77% $72,795 0.4:1 $7,335 0.42% 0.04:1 $1,766,482 $1,260,377 $223,168 $35,258 $1,632,607 2.16% 1.98% $1,590,997 $395,394 $32,535 $479,129 $90,622 5.13% 24.85% 54.64% $107,741 $114,620 0.94:1 $33,870 $107,741 $21,810 $0 $82 $0 $158,652 $0 $65,158 $353,443 20.01% 20.01% $158,734 $4,993 181,566 | 2009 F 22.4 -0.05 92.7% 0 Warn 7.0% 8.2% 5.6% B CCC 529.6 99.59 0.88 9.5 $140,477 -35.63% $105,098 0.7:1 $66,901 3.55% 0.48:1 $1,890,367 $1,374,317 $204,145 $27,950 $1,781,100 2.09% 2.05% $1,666,779 $479,502 $71,705 $489,639 $95,622 5.06% 28.77% 56.33% $54,587 $62,320 0.88:1 $29,547 $54,587 $36,276 $0 $1,465 $0 $164,050 $0 $46,199 $302,577 16.01% 16.01% $165,515 $10,018 123,889 | 2009 F 22.2 -0.04 83.1% 0 Warn 7.6% 8.9% 6.4% B B 487.7 99.58 0.88 11.7 $135,525 -22.24% $119,566 0.9:1 $121,150 6.53% 0.89:1 $1,864,352 $1,441,453 $177,245 $19,598 $1,789,674 2.19% 2.15% $1,612,923 $513,492 $85,422 $381,024 $100,704 5.40% 31.84% 53.38% $35,152 $43,267 0.81:1 $29,851 $35,152 $29,670 $0 $73 $0 $207,044 $0 $10,423 $282,362 15.15% 15.15% $207,117 $10,344 134,726 | 2009 D 8.5 0.28 63.3% 0 Adequate 9.4% 10.7% 8.3% BBB BBB 30.7 98.36 0.98 13.4 $58,535 7.05% $154,671 2.6:1 $152,298 8.16% 2.60:1 $1,874,094 $1,509,348 $170,879 $11,400 $1,815,162 2.51% 2.47% $1,580,996 $564,184 $0 $378,588 $115,704 6.17% 35.69% 56.48% $1,160 $4,520 0.26:1 $24,967 $1,160 $22,944 $0 $7,518 $0 $125,304 $0 $5,071 $161,997 8.64% 8.64% $132,822 $13,660 128,284 | 2008 C 2.8 1.33 41.0% 0 Adequate 9.4% 10.7% 8.4% BB BB 196.5 99.53 0.90 15.0 $62,163 18.26% $162,692 2.6:1 $164,146 8.52% 2.64:1 $1,934,302 $1,604,584 $166,838 $62,573 $1,881,062 3.33% 3.45% $1,619,522 $636,136 $0 $352,606 $120,785 6.24% 39.28% 57.36% $31,524 $36,370 0.87:1 $28,730 $31,524 $53,631 $0 $0 $0 $104,109 $0 $0 $189,264 9.78% 9.78% $104,109 $17,608 104,702 | 2008 A 1.1 7.23 38.6% 0 Adequate 9.6% 10.9% 9.0% BB BB 112.1 99.23 0.86 22.0 $47,382 45.07% $169,717 3.6:1 $169,543 9.04% 3.58:1 $1,882,355 $1,602,753 $164,179 $49,223 $1,830,833 3.58% 3.65% $1,561,633 $626,244 $0 $253,558 $120,785 6.42% 40.10% 53.16% $13,481 $17,500 0.77:1 $27,860 $13,481 $2,928 $0 $24 $0 $68,846 $0 $0 $85,279 4.53% 4.53% $68,870 $6,463 296,779 | 2008 A 1.1 7.16 37.1% 0 Adequate 9.4% 10.7% 8.9% BB BB 85.3 98.77 0.87 24.0 $45,712 37.50% $167,443 3.7:1 $167,338 8.90% 3.66:1 $1,887,844 $1,603,868 $161,564 $33,043 $1,830,376 3.61% 3.69% $1,559,380 $545,151 $0 $337,943 $125,866 6.67% 34.96% 53.45% $6,843 $12,470 0.55:1 $29,448 $6,843 $179 $0 $0 $0 $73,391 $0 $0 $80,413 4.26% 4.26% $73,391 $5,373 353,210 | 2008 A+ 0.8 10.22 36.2% 0 Adequate 9.1% 10.3% 8.8% BBB BBB 36.7 95.72 0.89 25.2 $46,929 22.71% $165,656 3.5:1 $166,269 8.86% 3.54:1 $1,882,968 $1,654,275 $165,003 $16,451 $1,820,566 3.61% 3.72% $1,552,377 $529,234 $0 $297,835 $132,700 7.05% 34.09% 50.97% $1,519 $4,239 0.36:1 $26,522 $1,519 $13,089 $0 $0 $0 $80,051 $0 $798 $95,457 5.07% 5.07% $80,051 $6,445 292,559 | 2007 A 1.1 11.37 28.0% 0 Adequate 9.4% 10.6% 9.1% BB BB 143.9 99.09 0.81 30.4 $43,768 86.11% $162,317 3.7:1 $161,768 9.13% 3.70:1 $1,779,588 $1,545,125 $170,603 $73,735 $1,715,118 4.30% 4.57% $1,442,004 $436,346 $0 $260,886 $133,446 7.50% 30.26% 46.68% $22,238 $26,603 0.84:1 $23,737 $22,238 $7,502 $0 $0 $0 $66,398 $0 $798 $96,936 5.45% 5.45% $66,398 $7,246 253,853 |
| All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings. |
