PRICE LIST
|
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 23.6 -0.05 797.8% 0 Adequate 10.8% 12.1% 8.4% B B 336.7 14.14 1.27 11.4 $8,178 -21.56% $2,653 0.3:1 $7,711 29.49% 0.94:1 $31,569 $15,961 $547 $471 $21,822 2.88% 2.56% $28,844 $0 $0 $6,514 - - 0.00% 20.63% $403 $-55 -7.33:1 $760 $403 $1,037 $0 $23 $0 $1,163 $0 $3,281 $5,907 18.71% 18.71% $1,186 - - | 2010 F 22.8 -0.06 375.0% 0 Adequate 13.0% 14.2% 10.2% B B 459.8 40.80 1.33 11.6 $9,084 -14.31% $3,487 0.4:1 $7,041 24.40% 0.78:1 $34,331 $17,487 $2,128 $326 $23,779 2.74% 2.57% $30,789 $198 $0 $7,135 - - 0.64% 21.36% $402 $-55 -7.31:1 $654 $402 $201 $0 $0 $0 $1,215 $0 $3,952 $5,770 16.81% 16.81% $1,215 - - | 2010 F 22.3 -62.38 452.9% 0 Adequate 12.2% 13.5% 10.0% BB B 245.2 -37.96 1.79 11.1 $9,227 -5.90% $3,904 0.4:1 $4,639 13.91% 0.50:1 $38,887 $17,619 $3,649 $190 $25,675 2.96% 2.90% $34,899 $198 $0 $8,782 - - 0.57% 23.09% $108 - - $913 $108 $130 $0 $0 $0 $1,170 $0 $6,354 $7,762 19.96% 19.96% $1,170 - - | 2009 F 28.2 -0.09 933.1% 0 Adequate 13.4% 14.7% 11.2% CCC D or Lower 1,646.8 38.45 1.78 14.6 $10,035 -43.80% $4,512 0.4:1 $4,253 12.23% 0.42:1 $40,349 $19,080 $4,148 $394 $26,720 1.47% 1.12% $35,616 $198 $0 $10,979 - - 0.56% 27.70% $3,142 $160 19.64:1 $872 $3,142 $34 $0 $7 $0 $2,280 $0 $6,741 $12,204 30.25% 30.25% $2,287 - - | 2009 F 28.9 -0.08 888.5% 0 Adequate 14.3% 15.6% 12.0% CCC D or Lower 1,925.7 35.49 1.81 16.1 $10,588 -32.43% $5,050 0.5:1 $4,395 12.03% 0.42:1 $42,186 $20,405 $5,183 $314 $27,968 1.50% 1.12% $37,045 $198 $0 $8,731 - - 0.53% 21.17% $2,947 $160 18.42:1 $1,035 $2,947 $840 $0 $1 $0 $2,997 $0 $6,600 $13,385 31.73% 31.73% $2,998 - - | 2009 F 35.5 -0.06 -319.4% 0 Adequate 17.2% 18.5% 13.8% CCC D or Lower 1,916.9 24.28 1.87 17.8 $11,795 -18.42% $6,594 0.6:1 $4,959 11.78% 0.42:1 $47,801 $23,549 $5,263 $234 $33,745 1.39% 1.16% $38,956 $297 $0 $9,621 $2,000 4.18% 0.76% 24.93% $2,257 $160 14.11:1 $1,532 $2,257 $587 $0 $1 $0 $4,810 $0 $6,037 $13,692 28.64% 28.64% $4,811 - - | 2009 F 38.3 -0.06 -118.6% 0 Adequate 16.5% 17.7% 12.7% CCC D or Lower 2,620.3 24.29 1.69 18.4 $14,134 -9.21% $7,148 0.5:1 $7,246 14.40% 0.51:1 $56,077 $29,920 $6,231 $87 $44,515 0.78% 0.80% $46,300 $297 $0 $10,875 $2,000 3.57% 0.64% 23.49% $1,960 $120 16.33:1 $1,564 $1,960 $0 $0 $0 $0 $6,994 $0 $3,751 $12,705 22.66% 22.66% $6,994 - - | 2008 F 25.3 -0.05 132.2% 918 Adequate 19.2% 20.5% 15.6% CCC CCC 1,466.3 74.28 1.77 16.0 $8,511 -86.64% $8,823 1.0:1 $7,101 14.05% 0.83:1 $56,379 $32,354 $6,767 $1,420 $42,737 3.32% 2.18% $44,660 $297 $0 $9,714 $2,000 3.55% 0.67% 21.30% $4,744 $2,335 2.03:1 $1,920 $4,744 $366 $0 $552 $0 $7,815 $0 $3,897 $17,374 30.82% 30.82% $8,367 - - | 2008 F 23.1 -0.01 183.0% 0 Adequate 15.6% 16.9% 13.1% B CCC 738.2 56.19 1.69 15.6 $6,403 -58.85% $10,657 1.7:1 $7,203 10.24% 1.13:1 $81,232 $48,603 $8,237 $1,314 $62,765 2.79% 2.47% $67,356 $4,257 $0 $11,393 $2,000 2.46% 6.32% 21.73% $2,691 $125 21.53:1 $1,722 $2,691 $2,546 $0 $3 $0 $9,165 $0 $3,438 $17,843 21.97% 21.97% $9,168 - - | 2008 F 21.6 -0.02 180.0% 0 Adequate 15.2% 16.5% 13.8% BB B 254.2 98.66 1.66 11.7 $3,089 -69.27% $11,331 3.7:1 $11,328 15.94% 3.67:1 $82,107 $58,938 $6,816 $1,076 $66,337 3.24% 2.93% $67,440 $4,297 $0 $11,170 $2,000 2.44% 6.37% 21.27% $749 - - $2,371 $749 $3,848 $0 $7 $0 $10,276 $0 $0 $14,880 18.12% 18.12% $10,283 $604 203,344 | 2008 F 20.9 -14.84 157.9% 0 Adequate 14.8% 16.1% 13.2% BB BBB 63.7 100.00 1.40 13.5 $3,336 -20.68% $12,035 3.6:1 $12,072 15.04% 3.62:1 $91,405 $64,679 $8,369 $617 $75,272 3.28% 3.20% $74,904 $4,297 $0 $12,328 $3,000 3.28% 5.74% 21.47% $103 - - $3,006 $103 $732 $0 $1 $0 $10,743 $0 $0 $11,579 12.67% 12.67% $10,744 $390 335,308 | 2007 F 21.1 -5.01 94.6% 0 Adequate 16.3% 17.6% 13.6% BB BB 162.8 98.81 1.18 15.6 $3,643 -55.18% $13,509 3.7:1 $11,971 13.65% 3.29:1 $98,995 $71,991 $8,311 $4,315 $79,984 5.39% 4.72% $81,209 $4,297 $0 $13,410 $3,000 3.03% 5.29% 20.92% $1,172 $1,041 1.13:1 $2,166 $1,172 $674 $0 $1 $0 $7,946 $0 $1,553 $11,346 11.46% 11.46% $7,947 $1,067 136,429 |
| 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. |
