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 23.9 -0.47 308.6% 0 Fail 1.3% 2.6% 1.1% B B 474.1 85.69 3.06 13.4 $14,135 -25.71% $998 0.1:1 $5,553 6.15% 0.39:1 $92,980 $65,640 $7,097 $2,152 $76,887 3.73% 3.10% $90,644 $4,241 $0 $17,283 $1,000 1.08% 4.68% 24.22% $2,334 $1,396 1.67:1 $4,170 $2,334 $2,628 $0 $0 $0 $11,169 $0 $11,333 $27,464 29.54% 29.54% $11,169 - - | 2010 F 23.9 -0.33 422.1% 0 Fail 2.1% 3.4% 1.7% B CCC 520.4 99.05 3.10 12.1 $15,734 -18.04% $1,720 0.1:1 $8,532 8.41% 0.54:1 $104,208 $73,131 $9,182 $1,466 $90,227 3.25% 2.99% $100,192 $6,297 $0 $23,043 $1,973 1.89% 6.28% 30.05% $1,903 $1,396 1.36:1 $4,285 $1,903 $2 $0 $0 $0 $16,108 $0 $8,334 $26,347 25.28% 25.28% $16,108 - - | 2010 F 25.5 -0.10 850.3% 0 Fail 4.5% 5.8% 3.6% B CCC 778.9 99.86 2.63 13.3 $16,273 -11.84% $3,935 0.2:1 $8,361 7.82% 0.51:1 $109,733 $75,851 $9,903 $767 $96,272 3.19% 3.01% $103,540 $8,094 $0 $24,562 - - 7.82% 29.76% $1,477 - - $3,299 $1,477 $1,720 $0 $0 $0 $6,981 $0 $8,508 $18,686 17.03% 17.03% $6,981 - - | 2009 F 24.1 -0.18 148.3% 0 Fail 5.7% 7.0% 4.3% B CCC 994.8 97.40 2.52 13.7 $17,098 -55.97% $5,084 0.3:1 $10,217 8.79% 0.60:1 $119,130 $83,004 $10,387 $3,656 $107,353 3.41% 3.06% $111,834 $9,074 $0 $28,543 $1,973 1.66% 8.11% 33.23% $8,257 $8,257 1.00:1 $4,774 $8,257 $960 $0 $0 $0 $12,541 $0 $6,654 $28,412 23.85% 23.85% $12,541 - - | 2009 F 22.9 -0.09 134.3% 0 Warn 8.4% 9.7% 6.7% B CCC 651.6 99.62 2.15 12.2 $15,863 -35.40% $8,539 0.5:1 $14,395 11.57% 0.91:1 $127,404 $96,418 $9,973 $2,899 $118,296 3.27% 3.15% $113,575 $11,064 $0 $28,276 $5,000 3.92% 9.74% 34.80% $4,712 $5,588 0.84:1 $5,453 $4,712 $1,714 $0 $0 $0 $18,156 $0 $2,511 $27,093 21.27% 21.27% $18,156 - - | 2009 F 23.4 -0.10 127.3% 0 Adequate 9.2% 10.5% 7.5% B CCC 825.0 99.72 1.68 11.5 $15,567 -30.30% $9,974 0.6:1 $14,736 11.37% 0.95:1 $132,667 $102,689 $10,071 $2,029 $123,657 3.28% 3.27% $114,799 $12,114 $0 $37,214 $7,500 5.65% 10.55% 42.84% $4,236 $4,438 0.95:1 $4,773 $4,236 $938 $0 $4 $0 $15,393 $0 $2,160 $22,731 17.13% 17.13% $15,397 - - | 2009 F 20.8 -24.65 119.6% 0 Adequate 11.7% 13.0% 10.2% BB BBB 53.9 92.67 1.53 12.4 $4,611 -6.53% $13,662 3.0:1 $16,395 12.54% 3.56:1 $133,850 $111,287 $6,210 $991 $115,845 3.42% 3.32% $112,447 $12,511 $0 $51,812 $7,500 5.60% 11.13% 53.66% $150 $638 0.24:1 $5,058 $150 $4,702 $0 $0 $0 $14,812 $0 $0 $19,664 14.69% 14.69% $14,812 - - | 2008 F 21.1 -0.03 98.1% 0 Adequate 9.4% 10.6% 8.7% BB BB 137.7 100.00 1.38 13.5 $4,752 -30.95% $11,362 2.4:1 $13,255 10.46% 2.79:1 $129,909 $112,527 $8,457 $4,955 $123,030 4.03% 4.03% $110,818 $12,514 $0 $51,057 $7,500 5.77% 11.29% 54.71% $1,549 $4,470 0.35:1 $4,559 $1,549 $8,109 $0 $0 $0 $11,143 $0 $0 $20,801 16.01% 16.01% $11,143 - - | 2008 F 20.7 -6.75 92.7% 0 Adequate 11.3% 12.5% 10.7% BBB A 29.5 100.00 1.15 19.9 $1,302 0.15% $14,309 11.0:1 $14,276 10.98% 10.96:1 $133,378 $113,996 $5,636 $3,861 $126,255 4.08% 4.19% $111,369 $14,057 $0 $45,958 $7,500 5.62% 12.62% 50.62% $252 $1,420 0.18:1 $2,806 $252 $3,718 $0 $12 $0 $4,141 $0 $0 $8,123 6.09% 6.09% $4,153 - - | 2008 F 20.7 -6.04 89.4% 0 Adequate 11.5% 12.8% 11.2% BBB BBB 45.0 100.00 1.12 22.9 $1,281 0.16% $14,639 11.4:1 $14,598 11.50% 11.40:1 $130,286 $112,021 $5,191 $2,636 $123,341 4.27% 4.33% $107,953 $11,114 $0 $43,754 $7,500 5.76% 10.30% 47.87% $252 $990 0.25:1 $2,376 $252 $212 $0 $3 $0 $808 $0 $0 $1,275 0.98% 0.98% $811 - - | 2008 F 20.6 -2.80 87.6% 0 Adequate 12.1% 13.4% 11.7% AAA AAA 0.0 0.00 1.18 19.6 $1,271 11.72% $15,016 11.8:1 $15,023 12.07% 11.82:1 $127,909 $111,073 $3,487 $1,319 $121,617 4.34% 4.36% $103,653 $9,084 $0 $42,701 $9,000 7.04% 8.76% 47.52% - $360 - $1,998 $0 $13 $0 $10 $0 $499 $0 $0 $522 0.41% 0.41% $509 - - | 2007 A+ 0.8 6.98 69.4% 0 Adequate 12.2% 13.4% 12.0% AAA AAA 0.0 0.00 1.20 23.4 $1,265 124.39% $15,202 12.0:1 $7,989 6.46% 6.32:1 $126,616 $110,616 $3,656 $5,821 $120,611 4.83% 5.00% $97,956 $8,938 $0 $44,990 $11,000 8.69% 9.12% 51.28% - $420 - $1,520 $0 $0 $0 $0 $0 $499 $0 $0 $499 0.39% 0.39% $499 - - |
| 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. |
