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 24.1 4.47 217.6% 0 Fail 2.3% 3.6% 1.8% B CCC 802.1 96.39 4.01 3.6 $69,092 -39.48% $8,149 0.1:1 $40,374 9.08% 0.58:1 $448,150 $326,440 $38,601 $7,970 $423,963 2.51% 2.31% $374,218 $88,622 $0 $260,227 $71,000 15.84% 23.68% 93.68% $19,638 $18,307 1.07:1 $17,726 $19,638 $2,393 $0 $3,431 $0 $68,218 $0 $6,454 $100,134 22.34% 22.34% $71,649 $4 31,797,500 | 2010 F 23.2 -0.16 192.8% 0 Fail 5.1% 6.4% 3.9% B CCC 662.9 96.91 4.14 3.1 $74,025 -22.28% $19,111 0.3:1 $41,050 8.44% 0.55:1 $489,853 $353,410 $50,080 $5,367 $446,671 2.40% 2.27% $386,147 $99,309 $0 $284,638 $81,000 16.54% 25.72% 94.92% $11,714 $11,345 1.03:1 $18,341 $11,714 $9,194 $0 $1,298 $0 $75,898 $0 $5,798 $103,902 21.21% 21.21% $77,196 $114 2,099,123 | 2010 F 23.4 -0.07 206.6% 0 Warn 7.1% 8.4% 5.6% B CCC 754.2 95.56 4.05 5.1 $74,305 -11.82% $27,681 0.4:1 $36,821 7.52% 0.50:1 $493,381 $364,147 $71,595 $3,011 $465,767 2.59% 2.48% $381,181 $87,687 $0 $255,349 $81,000 16.42% 23.00% 85.94% $6,866 $3,355 2.05:1 $15,142 $6,866 $7,228 $0 $0 $0 $80,169 $0 $8,682 $102,945 20.87% 20.87% $80,169 $114 2,868,333 | 2009 F 23.0 -0.08 177.3% 0 Adequate 10.8% 12.1% 8.2% B CCC 663.0 93.63 3.71 4.6 $70,475 -42.47% $45,591 0.6:1 $38,519 6.95% 0.55:1 $557,998 $387,347 $87,314 $13,248 $512,937 2.58% 2.40% $421,834 $88,032 $0 $268,284 $84,000 15.05% 20.87% 78.91% $25,681 $15,556 1.65:1 $12,641 $25,681 $15,899 $0 $1,583 $0 $75,134 $0 $9,485 $127,782 22.90% 22.90% $76,717 $114 4,469,035 | 2009 F 22.6 -0.10 157.9% 0 Adequate 9.7% 11.0% 7.7% B CCC 558.8 91.27 3.67 5.1 $68,060 -28.29% $46,600 0.7:1 $40,683 6.74% 0.60:1 $608,276 $417,297 $95,473 $10,406 $562,762 2.47% 2.47% $460,144 $86,596 $0 $288,728 $94,500 15.54% 18.82% 77.24% $17,489 $10,373 1.69:1 $15,540 $17,489 $20,848 $0 $3,811 $0 $85,699 $0 $6,464 $134,311 22.08% 22.08% $89,510 $150 3,515,067 | 2009 F 22.4 -0.01 128.0% 0 Adequate 9.2% 10.4% 8.4% B CCC 528.6 88.66 3.38 5.8 $82,982 -15.20% $57,582 0.7:1 $56,822 8.33% 0.68:1 $687,174 $452,307 $106,780 $7,035 $545,167 2.58% 2.50% $482,956 $89,898 $0 $336,593 $130,000 18.92% 18.61% 80.98% $11,954 $3,890 3.07:1 $14,420 $11,954 $11,306 $0 $2,777 $0 $90,178 $0 $10,316 $126,531 18.41% 18.41% $92,955 $350 1,872,457 | 2009 F 21.7 -0.01 102.9% 0 Adequate 9.4% 10.7% 8.9% B B 348.2 79.69 3.26 5.4 $72,073 -5.48% $62,390 0.9:1 $60,998 8.78% 0.85:1 $700,301 $482,420 $96,578 $3,715 $560,284 2.65% 2.61% $471,254 $88,054 $0 $355,901 $144,000 20.56% 18.69% 83.96% $4,200 $2,330 1.80:1 $20,112 $4,200 $25,769 $0 $40 $0 $86,827 $0 $10,519 $127,355 18.19% 18.19% $86,867 $352 2,011,761 | 2008 F 21.6 -0.01 98.3% 0 Adequate 18.2% 19.5% 12.7% B B 318.5 99.14 3.34 5.3 $65,626 -20.59% $91,478 1.4:1 $85,585 12.02% 1.30:1 $717,831 $513,223 $100,273 $20,602 $599,890 3.43% 2.95% $455,273 $63,182 $0 $388,882 $159,000 22.15% 13.88% 85.13% $16,348 $22,868 0.71:1 $15,400 $16,348 $20,503 $0 $2,844 $0 $29,142 $0 $6,618 $75,455 10.51% 10.51% $31,986 $448 2,184,643 | 2008 F 21.6 -0.01 99.5% 0 Adequate 17.5% 18.8% 14.0% B B 313.1 99.63 3.19 16.7 $58,444 -18.69% $97,614 1.7:1 $91,606 13.25% 1.57:1 $697,609 $534,543 $99,186 $15,549 $625,640 3.31% 2.87% $380,030 $43,880 $0 $365,217 $190,000 27.24% 11.55% 85.88% $12,552 $12,266 1.02:1 $8,500 $12,552 $21,149 $0 $2,906 $0 $30,297 $0 $6,875 $73,779 10.58% 10.58% $33,203 $488 2,143,525 | 2008 F 20.6 -0.01 97.6% 0 Adequate 16.5% 17.8% 12.7% AA AAA 1.5 100.00 3.01 18.6 $36,620 2.28% $101,201 2.8:1 $94,299 11.88% 2.58:1 $799,968 $586,997 $105,748 $10,275 $732,088 2.81% 2.72% $461,141 $80,637 $0 $439,804 $194,700 24.34% 17.49% 89.40% $44 $6,200 0.01:1 $14,896 $44 $12,427 $0 $1,112 $0 $21,046 $0 $6,478 $41,107 5.14% 5.14% $22,158 $488 2,232,705 | 2008 F 10.6 0.22 91.5% 0 Adequate 16.1% 17.3% 12.5% AAA AAA 0.7 100.00 3.03 17.9 $36,890 2.57% $104,937 2.8:1 $100,280 12.09% 2.72:1 $836,461 $600,348 $117,340 $5,739 $752,260 3.05% 2.99% $503,430 $127,107 $0 $486,800 $205,300 24.54% 25.25% 97.94% $11 $400 0.03:1 $9,129 $11 $19,120 $0 $0 $0 $12,665 $0 $6,478 $38,274 4.58% 4.58% $12,665 $688 1,644,084 | 2007 F 19.2 0.13 93.9% 0 Adequate 15.4% 16.6% 12.1% BB BBB 53.3 89.18 3.68 18.6 $41,738 -3.46% $105,665 2.5:1 $100,322 11.60% 2.40:1 $871,543 $620,592 $137,784 $25,467 $782,936 3.25% 3.41% $520,436 $131,843 $0 $519,433 $205,300 23.56% 25.33% 98.28% $3,309 $2,400 1.38:1 $7,440 $3,309 $5,086 $0 $361 $0 $4,689 $0 $6,478 $19,923 2.29% 2.29% $5,050 $942 1,205,478 |
| 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. |
