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 -0.22 225.0% 0 Fail 1.6% 2.8% 1.2% B CCC 593.0 91.20 0.99 2.3 $3,541 -76.98% $578 0.2:1 $14,440 30.67% 4.08:1 $48,000 $33,207 $0 $1,029 $44,724 3.07% 2.91% $47,012 $7,591 $0 $28,809 - - 16.15% 75.83% $1,477 $534 2.77:1 $622 $1,477 $996 $0 $1,110 $0 $3,026 $0 $1,122 $7,731 16.11% 16.11% $4,136 - - | 2010 F 22.4 -0.14 262.7% 0 Fail 3.5% 4.8% 2.7% B B 311.0 76.49 0.92 1.7 $2,161 -64.78% $1,423 0.7:1 $14,491 28.46% 6.71:1 $51,877 $35,557 $3,021 $503 $48,454 2.08% 2.10% $50,021 $7,873 $0 $30,817 - - 15.74% 74.58% $553 $125 4.42:1 $1,137 $553 $2,210 $0 $0 $0 $5,870 $0 $1,051 $9,684 18.67% 18.67% $5,870 - - | 2010 F 22.2 -108.15 256.6% 0 Fail 5.1% 6.4% 3.8% BB B 290.0 49.42 1.07 2.4 $1,855 -36.12% $1,998 1.1:1 $13,237 25.89% 7.14:1 $52,140 $35,454 $3,944 $271 $46,960 2.31% 2.26% $49,816 $8,865 $0 $24,976 - - 17.80% 64.90% $257 - - $1,308 $257 $4,119 $161 $0 $0 $5,745 $0 $2,286 $12,407 23.80% 23.55% $5,745 - - | 2009 F 21.3 -0.08 224.2% 0 Fail 5.7% 7.0% 4.4% BB BBB 67.6 100.00 0.99 2.0 $1,300 -224.93% $2,524 1.9:1 $15,511 27.69% 11.93:1 $57,072 $41,694 $3,884 $1,095 $48,768 2.25% 2.11% $53,985 $11,735 $0 $29,093 - - 21.74% 71.54% $282 $679 0.42:1 $1,435 $282 $1,468 $772 $0 $0 $8,522 $0 $0 $10,272 18.00% 16.92% $8,522 - - | 2009 F 21.3 -0.09 218.4% 0 Warn 7.1% 8.4% 4.9% BB BB 78.3 100.00 0.92 0.8 $1,382 -147.80% $3,195 2.3:1 $15,572 24.27% 11.27:1 $65,188 $44,643 $4,911 $855 $50,813 2.24% 2.16% $61,560 $16,790 $0 $33,573 - - 27.27% 77.26% $262 $677 0.39:1 $1,455 $262 $3,247 $0 $0 $0 $6,956 $0 $0 $10,465 16.05% 16.05% $6,956 - - | 2009 F 21.4 -0.06 235.4% 0 Warn 8.1% 9.3% 6.8% BB BB 107.7 100.00 1.02 1.4 $1,480 -99.45% $3,902 2.6:1 $15,614 27.49% 10.55:1 $57,789 $48,654 $4,720 $603 $53,857 2.24% 2.26% $53,570 $19,183 $0 $22,720 - - 35.81% 72.51% $262 $376 0.70:1 $1,161 $262 $1,985 $0 $0 $0 $2,245 $0 $0 $4,492 7.77% 7.77% $2,245 - - | 2009 F 21.2 -51.03 310.0% 0 Adequate 10.1% 11.0% 8.1% AAA AAA 0.0 0.00 2.83 5.6 $1,418 -43.03% $4,767 3.4:1 $15,606 27.03% 11.01:1 $58,596 $48,802 $5,004 $254 $56,371 1.80% 1.92% $53,235 $6,538 $0 $22,180 - - 12.28% 49.01% - - - $1,047 $0 $2,288 $176 $0 $0 $2,171 $0 $0 $4,459 7.61% 7.37% $2,171 - - | 2008 F 21.5 -0.05 213.2% 0 Adequate 11.4% 12.7% 10.5% BB BB 167.3 100.00 2.40 6.5 $1,327 -199.98% $5,586 4.2:1 $15,590 29.82% 11.75:1 $53,236 $45,125 $2,015 $1,473 $49,590 2.97% 3.02% $47,141 $0 $0 $19,860 - - 0.00% 37.31% $755 $1,245 0.61:1 $1,047 $755 $183 $0 $0 $0 $2,022 $0 $0 $2,960 5.56% 5.56% $2,022 - - | 2008 F 20.8 -0.02 195.5% 0 Adequate 15.1% 16.3% 13.7% AAA AAA 0.0 0.00 1.51 6.7 $324 -392.83% $7,423 22.9:1 $15,566 29.20% 48.07:1 $54,292 $44,341 $2,988 $1,163 $51,421 3.02% 3.20% $46,511 $0 $0 $15,629 - - 0.00% 28.79% - $81 - $638 $0 $5,133 $0 $0 $0 $0 $0 $0 $5,133 9.45% 9.45% $0 - - | 2008 F 20.8 -21.42 183.1% 0 Adequate 17.1% 18.4% 15.1% AAA AAA 0.0 0.00 2.06 3.7 $312 -250.86% $7,913 25.4:1 $15,567 30.20% 49.87:1 $52,548 $42,105 $3,030 $812 $49,298 3.29% 3.42% $43,994 $0 $0 $14,680 - - 0.00% 27.94% - $81 - $638 $0 $3,415 $0 $0 $0 $0 $0 $0 $3,415 6.50% 6.50% $0 - - | 2008 F 20.7 -15.82 152.8% 0 Adequate 20.2% 21.5% 16.5% AAA AAA 0.0 0.00 2.31 8.7 $291 -90.95% $8,369 28.7:1 $15,508 31.25% 53.22:1 $50,743 $39,305 $4,084 $411 $47,594 3.45% 3.53% $42,062 $0 $0 $15,351 - - 0.00% 30.25% - $81 - $638 $0 $1,445 $0 $0 $0 $149 $0 $0 $1,594 3.14% 3.14% $149 - - | 2007 F 20.8 -0.01 152.4% 0 Adequate 24.4% 25.7% 17.9% BBB BBB 41.2 100.00 2.57 7.4 $274 -454.10% $8,733 31.9:1 $15,221 31.85% 55.65:1 $48,896 $36,896 $4,050 $1,726 $45,988 3.75% 4.09% $39,616 $0 $0 $14,127 - - 0.00% 28.89% $152 $276 0.55:1 $557 $152 $949 $0 $0 $0 $0 $0 $0 $1,101 2.25% 2.25% $0 - - |
| 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. |
