1 

Quarterly Analysis of Institutions in the Capital Purchase Program 

First Quarter 2010 

Introduction 

Throughout 2008, 2009, and 2010, the Federal Government launched a series of financial 

initiatives aimed at stabilizing the economy. The Treasury Department (“Treasury”) launched 

one of its largest initiatives, the Capital Purchase Program (CPP), under the Emergency 

Economic Stabilization Act (EESA) in October 2008. Through the CPP, Treasury purchased 

shares of preferred stock (or comparable instruments) from qualifying financial institutions. By 

strengthening the capital bases of these financial institutions through CPP, Treasury aimed to 

enhance market confidence in the entire banking system, thereby increasing the capacity of these 

institutions to lend to U.S. businesses and consumers and to support the U.S. economy under the 

difficult financial market conditions. 

In an effort to understand better how CPP and other stabilization initiatives may have affected 

financial institutions and their activities, an interagency group convened to determine and 

conduct appropriate analyses. The interagency group consisted of representatives from Treasury, 

the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Board of Governors 

(Board), the Office of the Comptroller of the Currency (OCC), and the Office of Thrift 

Supervision (OTS). 

Identifying the effects of EESA programs on lending presents significant conceptual and 

practical challenges. Foremost among these challenges are the inherent difficulties in 

disentangling the relative importance of reduced demand for credit due to weaker economic 

activity, reduced supply of credit because borrowers appear less creditworthy, or reduced supply 

of credit because lenders face pressures that restrain them from extending credit, such as possible 

concerns about their capital. Modifying changes in the latter is the primary goal of the CPP and 

other measures taken. The close proximity in time of many actions by the U.S. and other 

governments, including the initial announcement of the CPP and other U.S. initiatives, adds to 

the challenges of identifying effects of specific programs or groups of programs. Significant 

repayments of CPP funds present further analytical challenges as the panel of CPP recipients and 

their characteristics has shifted over time. Notwithstanding these challenges, in the interest of 

providing information to the market and the U.S. public, Treasury continues to produce this 

summary of the activities of institutions receiving TARP capital through the CPP. 

By regulation, depository institutions are required each quarter to submit financial data (i.e. 

income statement, balance sheet, and supporting schedules) to their primary federal regulator in 

Call Reports and Thrift Financial Reports. Many depository institutions are owned by bank 

holding companies that may also own securities broker-dealers and other non-depository 

financial institutions. Large bank holding companies are required to submit consolidated 

financial data to the Federal Reserve Board of Governors each quarter in Consolidated Financial 

Statements for Bank Holding Companies (FR Y-9C Reports). The first section (“Section A”) of 
2 

                                                           

this report analyzes Call Reports and Thrift Financial Reports, and the second section (“Section 

B”) analyzes Y-9C data.1

The interagency group selected line items from regulatory filings that measure the status of 

financial institutions in a concise manner. Summary tables based on regulatory filing data 

include items in three broad categories: balance sheet and off-balance sheet items, performance 

ratios, and asset quality measures. The selected line items appear in the following tables. The 

tables present first quarter 2010 data as aggregate and median levels and present median changes 

from third quarter 2008 (the quarter prior to the inception of CPP), first quarter 2009 (the 

previous year), and fourth quarter 2009 (the previous quarter).2 

The group recognized that both institution size and the timing of CPP capital investments would 

likely have a bearing on this type of analysis. In previous versions of the report, CPP 

participants were broken into groups by the quarter of initial CPP funding, with all non-CPP 

participants comprising a separate group. Data were displayed as aggregate amounts for each 

group. As the final CPP fundings occurred in December 2009, Treasury has changed the 

grouping methodology. These tables now distinguish financial institutions by size and whether 

they participated in CPP. The asset size distinctions are made in two ways. For the analysis of 

Call Report data, asset size is determined by the sum of assets of depository institutions, 

consolidated by bank holding company (asset size is assigned to independent depository 

institutions by the asset size of the individual institution).3

 For the analysis of Y-9C data, asset 

size is determined by the asset size of the bank holding company. For both the Call Report and 

Y-9C sections asset size is assigned using first quarter 2010 data.4 Institutions whose highest 

parent bank holding company is flagged as more than 24.9 percent foreign owned are removed 

from both the Call Report and Y-9C sections.5

 

Four groups of entities receiving CPP funds have been created for this report: 

• CPP (I) Assets greater than $100 billion. 

• CPP (II) Assets between $10 billion and $100 billion. 

• CPP (III) Assets between $1 billion and $10 billion. 

• CPP (IV) Assets less than $1 billion. 

1

 Detailed information on reporting can be found at the Federal Financial Institutions Examinations Council website 

(http://www.ffiec.gov) and at the Board of Governors website (http://www.federalreserve.gov) under “Reporting 

Forms”. In general, only bank holding companies with consolidated assets greater than $500 million are required to 

submit Y-9C reports. 

2

 See “Appendix A: Notes to Call and Thrift Financial Report Data Users” and “Appendix B: Notes to Y-9C Data 

Users” for a more detailed description of the data. 

3

 All figures reflect depository institution data aggregated by bank holding company (when applicable). 

4

 Call Report data are merger adjusted to reflect mergers that have occurred through first quarter 2010. Y-9C data 

are only adjusted to reflect the acquisition of Wachovia Corporation (acquired by Wells Fargo & Company) and 

National City Corporation (acquired by PNC Financial Services Group) in fourth quarter 2008. 

5

 Foreign owned (24.9% or higher) institutions were not eligible to receive TARP capital under the CPP. 
3 

                                                           

Three groups of entities not receiving CPP funds have been created for this report6

: 

• Non-CPP (V) Assets between $10 billion and $100 billion. 

• Non-CPP (VI) Assets between $1 billion and $10 billion. 

• Non-CPP (VII) Assets less than $1 billion. 

While these data accurately reflect the financial results of these different groups, it is difficult to 

draw specific conclusions about the effectiveness of the CPP from solely these ratios. First, 

more quarters of data will be needed to fully understand the effects of the CPP on both individual 

institutions as well as on the financial system as a whole. Second, these data are not seasonally 

adjusted, which may drive some of the quarter-to-quarter variations. And third, for a more 

meaningful comparison between CPP and Non-CPP institutions, one should take into account 

characteristics in addition to size. Treasury is continuing to refine its analysis accordingly. 

6

 After data adjustments, there are no non-CPP depository institutions with assets greater than $100 billion (in the 

Call Report section). There was one bank holding company with assets greater than $100 billion, MetLife (in the Y9C section). MetLife was removed from the non-CPP group given that MetLife’s primary business specialization is 

insurance and not banking. 
Section A: Call and Thrift Financial Report Analysis 

The Call and Thrift Financial Report data are organized into seven tables, by group: 

Group Description1

Bank 

Holding 

Companies

Independent 

Depository 

Institutions

Total Assets of 

Depository 

Institutions in 

Group (Millions)

% of Total 

Assets of All 

Depository 

Institutions

Group I CPP Participants with assets over 

$100 billion

13 0 $7,704,359 63%

Group II CPP Participants with assets 

between $10 and $100 billion

38 3 $1,214,115 10%

Group III CPP Participants with assets 

between $1 and $10 billion

166 21 $495,387 4%

Group IV CPP Participants with assets under 

$1 billion

349 113 $167,505 1%

Group V Non-CPP Participants with assets 

between $10 and $100 billion

14 14 $688,417 6%

Group VI Non-CPP Participants with assets 

between $1 and $10 billion

241 114 $868,721 7%

Group VII Non-CPP Participants with assets 

under $1 billion

4,066 1,886 $1,186,573 10%

1. Asset size is determined by the sum of assets of depository institutions, consolidated by bank holding company (asset 

size is assigned to independent depository institutions by the asset size of the individual institution). Figures are as of 

first quarter 2010.

Summary of Findings 

Note: All changes refer to the median change between third quarter 2008 and first quarter 2010, 

unless otherwise noted. 

Selected Balance and Off-Balance Sheet Items

Overall Asset Growth 

Asset growth was higher for Non-CPP institutions in each size group except for institutions with 

less than $1 billion in assets. For institutions with less than $1 billion in assets, CPP institutions 

had 10.4% growth in total assets and Non-CPP institutions had 7.1% growth in total assets. 

Loan Growth7

All asset size groups (CPP and Non-CPP) experienced a decrease in total loans with the 

exception of institutions under $1 billion in assets, for which CPP institutions grew at 3.2% 

while Non-CPP institutions grew at 1.6%. 

                                                           

7

 All loan growth figures refer to the change in outstanding loan balances. 

4 
5 

                                                           

Despite largely negative total loan growth, all groups did experience positive growth in some 

individual loan categories. CPP institutions with over $100 billion in assets saw the most growth 

in credit card loans, which was largely due to accounting changes implemented in the first 

quarter of 2010 (the implementation of FAS 166 and 1678

), but also saw growth in other 

consumer loans. For institutions with between $10 and $100 billion in assets there was growth 

for both CPP and Non-CPP in home equity loans, while CPP institutions also had growth in 

commercial real estate loans and non-CPP institutions also had growth in credit card loans. For 

institutions between $1 and $10 billion in assets, there was growth in home equity loans and 

commercial real estate loans (both CPP and Non-CPP). Lastly, institutions under $1 billion in 

assets had growth in closed-end 1-4 family residential loans, home equity loans, and commercial 

real-estate loans (CPP and Non-CPP). 

Closed-end and Open-end Mortgage Originations9

In all asset groups, closed-end mortgage originations for sale and closed-end originations sold 

increased, with the exception of CPP institutions with over $100 billion in assets. However, in 

all cases there was a greater increase in CPP institutions than Non-CPP institutions by asset size 

group. 

Growth was mixed across groups for both open-end mortgage originations for sale and open-end 

originations sold, largely due to the small number of institutions that reported open-end 

originations. 

Securities on Balance Sheet 

All groups experienced negative growth in mortgage-backed securities (MBS). Asset-backed 

securities (ABS) had more growth in CPP institutions then in Non-CPP institutions. 

Other Asset Growth 

Unused commitments increased in all groups except CPP institutions with assets between $10 

and $100 billion. The outstanding principal balance of assets sold and securitized with servicing 

retained decreased in all groups. Cash and balances due rose in all groups. 

Liabilities 

Only CPP institutions with assets over $100 billion and CPP institutions with assets between $10 

and $100 billion had decreases in total liabilities. All groups experienced growth in deposits. 

The largest increase in deposits was by CPP institutions with under $1 billion in assets (14.3%) 

and the smallest growth was in CPP institutions with over $100 billion in assets (2.8%). 

8

 Per the FDIC’s first quarter 2010 Quarterly Banking Profile, “Implementation of FAS 166 and 167 caused a large 

amount of loans in securitized loan pools to be consolidated into the reported loan balances of a relatively small 

number of large insured institutions in the first quarter.” More information can be found in the FDIC’s first quarter 

Quarterly Banking Profile (http://www2.fdic.gov/qbp/2010mar/qbp.pdf). 

9

 Only Call Report filers with assets over $1 billion or more than $10 million in mortgage origination for two 

consecutive quarters are required to report residential loans originated for sale (see Appendix A: Notes to Call and 

Thrift Financial Report Data Users). 
6 

Total other borrowings10 and Federal Home Loan Bank (FHLB) advances decreased across all 

groups (CPP and Non-CPP). The largest decrease in total other borrowings was by CPP 

institutions with over $100 billion in assets (-46.9%). The largest decrease in FHLB advances 

was also in CPP institutions with over $100 billion in assets (-54.9%).

Equity Capital 

All groups experienced growth in equity capital since third quarter 2008. With the exception of 

institutions with assets between $10 and $100 billion, CPP institutions had higher growth in 

equity capital than Non-CPP institutions. 

Performance Ratios11

Capital Ratios 

In first quarter 2010, Non-CPP institutions with under $1 billion in assets had the highest median 

tier one leverage ratio, median tier one risk based capital ratio, and median total risk based 

capital ratio but experienced a decline in all three median ratios compared to 3Q 2008. CPP 

Institutions with over $100 billion in assets and Non-CPP institutions with between $10 and 

$100 billion in assets had the largest increases in median tier one leverage ratio. Non-CPP 

institutions with assets between $10 and $100 billion had the largest increase in the median tier 

one risk-based capital ratio. The largest increase in median total risk based capital ratio was for 

CPP institutions with assets greater than $100 billion. 

Earnings Ratios 

Median return on equity, median return on assets and median net interest margin were positive in 

all groups in first quarter 2010. CPP institutions with assets between $1 and $10 billion and 

Non-CPP institutions with assets under $1 billion had decreases in all three median ratios. 

Loss Coverage Ratios 

Median coverage ratios (allowance for loan and lease losses to noncurrent loans) declined across 

all groups (CPP and Non-CPP). The largest decrease in median coverage ratio was by Non-CPP 

institutions with between $1 and $10 billion in assets. In first quarter 2010, Non-CPP 

institutions with assets between $10 and $100 billion had the highest median coverage ratio 

(76.7%), while CPP institutions with assets between $1 billion and $10 billion in assets had the 

lowest median coverage ratio (60.4%). 

The median ratio of loss provisions to net charge-offs (for the quarter) decreased across all 

groups (CPP and Non-CPP). Non-CPP institutions with between $1 and $10 billion in assets had 

                                                           

10 Total other borrowings include FHLB advances and other amounts borrowed by the consolidated bank, exclusive 

of federal funds purchased and securities sold under agreements to repurchase, liabilities for short positions, and 

subordinated notes and debentures. This item includes mortgage indebtedness and obligations under capitalized 

leases. 

11 Performance ratios are displayed as weighted averages and medians for each group for the current quarter (see 

Appendix A: Notes to Call and Thrift Financial Report Data Users). Performance ratios are displayed as medians 

for past quarters. All changes in performance ratios refer to the changes between the median ratios. 
7 

the highest median ratio of loss provisions to net charge-offs in first quarter 2010 (136.3%), 

while Non-CPP institutions with under $1 billion in assets had the lowest median ratio (95.7%). 

The median ratio of net charge-offs to average loans and leases increased in all group. The 

largest increase was in CPP institutions with over $100 billion in assets. In first quarter 2010, 

CPP institutions with over $100 billion in assets had the highest median ratio of net charge-offs 

to average loans and leases and Non-CPP institutions with under $1 billion in assets had the 

lowest median ratio of net charge-offs to average loans and leases. 

Asset Quality: Noncurrent Loans 

With few exceptions, noncurrent loans as a percentage of loans (within loan category) increased 

in all groups and loan categories in first quarter 2010. 

Asset Quality: Gross Charge-offs

Gross charge-offs as a percentage of total loans (within loan type) either experienced no change 

or increased across all loan categories and groups in first quarter 2010.
8 

$ millions

(aggregate)

$ millions

(median) Q3 2008 From Previous

Quarter From Previous Year

Assets $7,704,359 $196,252 ‐5.9% ‐1.3% ‐2.8%

Loans $4,057,431 $127,159 ‐10.1% ‐0.1% ‐7.7%

Construction & development $134,999 $7,010 ‐34.4% ‐7.4% ‐22.7%

Closed‐end 1‐4 family residential $1,024,058 $31,679 ‐11.0% ‐2.4% ‐12.5%

Home equity $447,467 $15,676 ‐1.2% ‐0.9% ‐3.9%

Credit card 2 $551,051 $3,583 56.0% 32.6% 53.1%

Other consumer $383,973 $14,589 1.8% 3.6% 4.0%

Commercial & Industrial $655,687 $23,413 ‐19.1% ‐1.2% ‐20.0%

Commercial real estate $293,812 $20,178 ‐1.7% ‐0.8% ‐1.1%

Unused commi tments $490,729 $14,285 40.6% ‐1.2% 22.1%

Securi ti za ti on outs tandi ng pri ncipal $4,221,189 $106,380 ‐18.5% 0.0% ‐10.5%

Mortgage‐ba cked securi ties (GSE and priva te is s ue ) $1,340,865 $1,387 ‐48.3% ‐37.9% ‐47.2%

Asset‐backed securi ties $801,039 $33,123 12.2% ‐1.2% 12.0%

Othe r securi ties $100,582 $5,031 ‐29.7% ‐6.2% ‐21.7%

Cas h & balances due $604,486 $8,433 5.2% ‐0.9% ‐18.5%

Resi dential mortgage origi na ti ons

Closed‐end mortgage originated for sale (quarter) $266,737 $4,509 0.0% ‐17.0% ‐45.4%

Open‐end HELOC originated for sale (quarter) $6,199 $0 26.8% 19.8% ‐32.2%

Closed‐end mortgage originations sold (quarter) $298,447 $5,039 ‐1.4% ‐8.1% ‐22.9%

Open‐end HELOC originations sold (quarter) $6,830 $0 ‐100.0% 7.9% 15.0%

Liabilities $6,859,746 $167,293 ‐5.7% ‐1.7% ‐4.3%

Deposi ts $4,970,248 $137,342 2.8% ‐0.9% 1.8%

Total other borrowi ngs $1,329,560 $29,239 ‐46.9% 6.9% ‐23.2%

FHLB adva nces $189,111 $9,956 ‐54.9% ‐12.6% ‐47.8%

Equity

Equi ty capi tal a t qua rter end $831,217 $26,038 6.2% 1.3% 9.7%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ra tio 7.9% 8.1% 7.1% 8.2% 7.4%

Tier 1 ri sk based capi tal ra tio 11.1% 11.4% 8.9% 11.2% 9.7%

Total risk based ca pi tal ra ti o 14.3% 14.9% 11.7% 14.4% 12.8%

Return on equi ty3 5.9% 6.8% 5.6% 4.6% 4.5%

Return on a s sets 3 0.6% 0.6% 0.7% 0.5% 0.4%

Net i nte res t ma rgin3 4.1% 4.0% 3.5% 3.6% 3.4%

Coverage ra ti o {(ALLL+All oc trans fe r risk)/Noncurrent loa ns )} 67.2% 61.3% 75.7% 54.2% 65.9%

Los s provi sion to net cha rge‐offs (qtr) 95.5% 106.7% 146.1% 120.8% 163.2%

Net cha rge‐offs to average loans and leases 3 3.8% 2.8% 1.6% 2.7% 1.7%

3. Quarterly, annualized.

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 18.6% 18.7% 7.4% 18.4% 9.7%

Closed‐end 1‐4 family residential 15.1% 11.1% 5.0% 11.0% 7.4%

Home equity 2.0% 1.4% 1.3% 1.4% 1.5%

Credit card 3.3% 3.1% 2.3% 3.5% 3.4%

Other consumer 1.9% 1.2% 0.6% 1.3% 0.8%

Commercial & Industrial 3.6% 2.6% 0.9% 2.9% 1.6%

Commercial real estate 5.6% 4.8% 1.1% 3.6% 2.2%

Total loans 6.6% 5.2% 2.4% 4.9% 4.0%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 1.4% 1.3% 0.6% 1.9% 0.7%

Closed‐end 1‐4 family residential 0.6% 0.5% 0.4% 0.5% 0.4%

Home equity 1.0% 0.7% 0.5% 0.8% 0.6%

Credit card 4.1% 3.7% 1.5% 2.6% 2.2%

Other consumer 0.9% 0.5% 0.4% 0.5% 0.6%

Commercial & Industrial 0.6% 0.5% 0.2% 0.5% 0.3%

Commercial real estate 0.3% 0.3% 0.0% 0.4% 0.1%

Total loans 1.0% 0.7% 0.4% 0.7% 0.4%

Bank Holding Companies Independent Depository

Institutions

Total Assets of

Depository Institutions

in Group

% of Total Assets of All

Depository Institutions

13 0 $7,704,359 62.2%

Source: Call and Thri ft Fi na ncial Report Da ta

2. Increases are largely due to accounting changes implemented in the first quarter of 2010 (the implementation of FAS 166 and 167).

Ratios

I. CPP Depository Institutions with Assets Greater than $100 Billion1

1. For depository institutions owned by multi‐bank holding companies, asset size groups are assigned by the total combined assets of depository institutions owned by the same bank holding

company.  All data are consolidated by bank holding company when applicable, and changes are calculated based on the consolidated figures.  

Q1 2010

Q1 2010

Institutions in Group

Median % Change

Q1 2010

Q1 2010

Median Levels

Selected balance and off‐balance sheet items

Charge‐Offs  (% of Total Loan Type)

Noncurrent Loans (% of Total Loan Type)

  
9 

$ millions

(aggregate)

$ millions

(median) Q3 2008 From Previous

Quarter From Previous Year

Assets $1,214,115 $16,590 ‐1.5% ‐0.6% ‐3.7%

Loans $710,053 $9,961 ‐12.9% ‐3.1% ‐10.2%

Construction & development $60,350 $1,048 ‐36.8% ‐7.9% ‐29.0%

Closed‐end 1‐4 family residential $110,138 $1,968 ‐8.9% ‐1.7% ‐8.4%

Home equity $49,984 $544 6.4% ‐0.2% 1.2%

Credit card $66,776 $1 ‐4.5% ‐4.5% ‐1.0%

Other consumer $44,052 $309 ‐13.1% ‐2.4% ‐9.1%

Commercial & Industrial $159,407 $2,395 ‐19.6% ‐5.1% ‐15.4%

Commercial real estate $144,389 $2,539 5.9% ‐0.6% 2.7%

Unused commi tments $68,131 $874 ‐1.5% ‐2.3% ‐8.6%

Securi ti za tion outs tandi ng principal $653,250 $3,470 ‐18.6% ‐2.3% ‐10.1%

Mortgage‐backed securi ties (GSE and priva te i s sue ) $61,679 $0 ‐30.3% ‐4.0% ‐27.9%

As set‐backed securi ties $109,366 $1,997 19.7% ‐0.9% 0.9%

Other securi ties $4,395 $0 ‐69.5% ‐3.7% ‐72.5%

Ca sh & balances due $136,951 $1,081 154.1% 10.7% 40.6%

Res idential mortgage origina tions

Closed‐end mortgage originated for sale (quarter) $5,735 $74 37.9% ‐26.4% ‐43.7%

Open‐end HELOC originated for sale (quarter) $9 $0 ‐68.7% ‐39.6% ‐45.0%

Closed‐end mortgage originations sold (quarter) $6,140 $48 22.2% ‐23.0% ‐33.0%

Open‐end HELOC originations sold (quarter) $6 $0 ‐54.9% ‐54.9% ‐65.8%

Liabilities $1,076,988 $14,753 ‐2.8% ‐1.0% ‐3.8%

Depos i ts $850,965 $11,934 8.0% 0.2% 2.0%

Total other borrowings $151,670 $2,456 ‐40.2% ‐7.9% ‐27.9%

FHLB advances $34,345 $518 ‐41.7% ‐6.6% ‐24.4%

Equity

Equi ty capi tal a t qua rter end $135,240 $1,807 12.4% 2.3% 6.1%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ra tio 9.8% 8.3% 7.7% 8.3% 8.2%

Tier 1 ri sk based capi tal ra tio 12.1% 11.5% 9.5% 10.7% 10.1%

Total ris k based capi tal ra tio 15.2% 13.6% 11.3% 12.9% 12.0%

Re turn on equi ty2 1.8% 2.5% 1.9% ‐1.3% 0.2%

Re turn on a s se ts 2 0.2% 0.3% 0.2% ‐0.1% 0.0%

Net interes t ma rgin2 3.4% 3.4% 3.4% 3.5% 3.1%

Coverage ra tio {(ALLL+Alloc trans fer ri sk)/Noncurrent loa ns )} 74.5% 65.6% 74.6% 61.7% 64.0%

Los s provi s ion to net cha rge‐offs (qtr) 106.2% 108.9% 179.0% 115.8% 145.6%

Net cha rge‐offs to average loans and leases 2 3.0% 1.8% 0.9% 2.6% 1.4%

2. Quarterly, annualized.

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 18.7% 14.1% 6.5% 15.4% 11.1%

Closed‐end 1‐4 family residential 6.2% 3.8% 1.5% 3.5% 2.5%

Home equity 1.1% 1.0% 0.7% 1.0% 0.9%

Credit card 2.7% 0.4% 1.0% 0.5% 1.8%

Other consumer 1.3% 0.9% 0.4% 0.8% 0.7%

Commercial & Industrial 2.6% 2.2% 0.8% 2.3% 1.6%

Commercial real estate 4.5% 3.2% 0.9% 3.2% 1.5%

Total loans 4.8% 4.5% 1.9% 4.2% 3.1%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 2.3% 1.4% 0.7% 1.6% 1.2%

Closed‐end 1‐4 family residential 0.5% 0.3% 0.1% 0.3% 0.2%

Home equity 0.4% 0.2% 0.1% 0.2% 0.2%

Credit card 2.2% 1.5% 0.9% 1.8% 1.6%

Other consumer 0.6% 0.4% 0.3% 0.5% 0.5%

Commercial & Industrial 0.7% 0.4% 0.1% 0.6% 0.4%

Commercial real estate 0.4% 0.3% 0.1% 0.3% 0.1%

Total loans 0.8% 0.5% 0.2% 0.6% 0.4%

Bank Holding Companies Independent Depository

Institutions

Total Assets of

Depository Institutions

in Group

% of Total Assets of All

Depository Institutions

38 3 $1,214,115 9.8%

Source: Call and Thri ft Financia l Report Da ta

Q1 2010

Q1 2010

Institutions in Group

1. For depository institutions owned by multi‐bank holding companies, asset size groups are assigned by the total combined assets of depository institutions owned by the same bank holding

company.  All data are consolidated by bank holding company when applicable, and changes are calculated based on the consolidated figures.  

II. CPP Depository Institutions with Assets Between $10 Billion and $100 Billion1

Q1 2010 Median % Change

Median Levels

Ratios Q1 2010

Selected balance and off‐balance sheet items

Charge‐Offs  (% of Total Loan Type)

Noncurrent Loans (% of Total Loan Type)
$ millions

(aggregate)

$ millions

(median) Q3 2008 From Previous

Quarter From Previous Year

Assets $495,387 $1,909 4.4% ‐0.2% ‐0.6%

Loa ns $342,606 $1,361 ‐4.4% ‐1.8% ‐4.5%

Construction & development $41,726 $156 ‐28.9% ‐6.1% ‐25.3%

Closed‐end 1‐4 family residential $63,620 $246 ‐4.1% ‐1.6% ‐5.0%

Home equity $20,000 $63 7.7% ‐0.4% 1.6%

Credit card $294 $0 ‐11.2% ‐5.0% 0.0%

Other consumer $16,468 $29 ‐19.4% ‐5.7% ‐14.1%

Commercial & Industrial $53,238 $166 ‐11.5% ‐3.1% ‐8.0%

Commercial real estate $115,059 $438 8.4% 0.1% 4.4%

Unused commi tments $33,427 $125 16.7% 0.7% 10.9%

Securi ti za ti on outs ta nding pri nci pal $64,742 $213 ‐21.6% ‐2.0% ‐12.1%

Mortgage‐backed securi ties (GSE and priva te is s ue ) $241 $0 ‐40.2% ‐1.3% ‐26.5%

As set‐backed securi ties $49,655 $161 25.2% ‐3.9% ‐5.5%

Othe r securi ties $187 $0 ‐79.9% 0.0% ‐87.1%

Ca s h & bala nces due $32,193 $104 88.3% 7.0% 35.0%

Residential mortgage origina ti ons

Closed‐end mortgage originated for sale (quarter) $9,253 $12 21.0% ‐29.4% ‐49.1%

Open‐end HELOC originated for sale (quarter) $3 $0 ‐89.7% ‐64.7% ‐94.4%

Closed‐end mortgage originations sold (quarter) $9,784 $13 22.1% ‐20.4% ‐41.7%

Open‐end HELOC originations sold (quarter) $0 $0 0.0% 0.0% ‐100.0%

Liabilities $445,084 $1,739 3.9% ‐0.2% ‐0.6%

Deposi ts $393,160 $1,551 10.1% 0.7% 2.8%

Total othe r borrowi ngs $46,037 $163 ‐33.7% ‐5.9% ‐21.5%

FHLB adva nces $21,824 $84 ‐39.2% ‐4.3% ‐23.6%

Equity

Equi ty capi tal a t qua rte r end $49,948 $181 12.2% 1.1% 2.9%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leve rage ra ti o 8.7% 8.7% 8.2% 8.6% 8.7%

Tier 1 ri sk based ca pi tal ra ti o 11.8% 11.5% 9.8% 11.1% 10.7%

Total risk based capi tal ra ti o 13.3% 12.8% 11.0% 12.4% 12.1%

Return on equi ty2 ‐0.9% 3.9% 4.7% 1.2% 3.8%

Return on as sets 2 ‐0.1% 0.4% 0.5% 0.1% 0.3%

Net i nte res t ma rgi n2 3.7% 3.6% 3.7% 3.6% 3.4%

Cove rage ra ti o {(ALLL+All oc tra ns fer risk)/Noncurrent l oa ns )} 52.0% 60.4% 80.7% 63.6% 62.4%

Los s provisi on to net cha rge‐offs (qtr) 115.7% 118.5% 156.9% 123.5% 167.7%

Net cha rge‐offs to ave rage loans and leases 2 1.8% 1.1% 0.5% 1.5% 0.7%

2. Quarterly, annualized.

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 15.5% 10.2% 4.1% 9.6% 6.9%

Closed‐end 1‐4 family residential 3.6% 2.6% 1.2% 2.6% 1.7%

Home equity 1.3% 0.7% 0.3% 0.6% 0.5%

Credit card 0.9% 0.0% 0.0% 0.0% 0.0%

Other consumer 2.2% 0.5% 0.4% 0.5% 0.5%

Commercial & Industrial 2.6% 1.9% 0.9% 2.0% 1.6%

Commercial real estate 3.4% 2.6% 0.8% 2.4% 1.4%

Total loans 4.5% 3.5% 1.6% 3.2% 2.6%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 1.5% 0.6% 0.1% 0.9% 0.1%

Closed‐end 1‐4 family residential 0.3% 0.2% 0.0% 0.2% 0.1%

Home equity 0.3% 0.1% 0.0% 0.1% 0.0%

Credit card 1.5% 0.8% 0.3% 0.8% 0.6%

Other consumer 0.4% 0.4% 0.3% 0.4% 0.4%

Commercial & Industrial 0.5% 0.3% 0.2% 0.5% 0.2%

Commercial real estate 0.3% 0.1% 0.0% 0.1% 0.0%

Total loans 0.5% 0.3% 0.1% 0.4% 0.2%

Bank Holding Companies Independent Depository

Institutions

Total Assets of

Depository Institutions

in Group

% of Total Assets of All

Depository Institutions

166 21 $495,387 4.0%

Source: Call and Thri ft Fi nancial Report Da ta

Q1 2010

Q1 2010

Institutions in Group

1. For depository institutions owned by multi‐bank holding companies, asset size groups are assigned by the total combined assets of depository institutions owned by the same bank holding

company.  All data are consolidated by bank holding company when applicable, and changes are calculated based on the consolidated figures.  

III. CPP Depository Institutions with Assets Between $1 Billion and $10 Billion1

Q1 2010 Median % Change

Median Levels

Ratios Q1 2010

Selected balance and off‐balance sheet items

Charge‐Offs  (% of Total Loan Type)

Noncurrent Loans (% of Total Loan Type)

10 
11 

9.2%

3.7%

$ millions

(aggregate)

$ millions

(median) Q3 2008 From Previous

Quarter From Previous Year

Assets $167,505 $296 10.4% 0.7% 5.0%

Loans $119,447 $211 3.2% ‐0.9% 0.7%

Construction & development $14,422 $19 ‐25.9% ‐4.2% ‐19.8%

Closed‐end 1‐4 family residential $24,299 $34 8.3% ‐0.7% 2.6%

Home equity $6,684 $8 16.4% ‐0.2% 5.6%

Credit card $87 $0 ‐7.3% ‐3.0% 2.9%

Other consumer $3,614 $3 ‐15.1% ‐4.0% ‐8.7%

Commercial & Industrial $17,735 $26 ‐2.5% ‐1.0% ‐2.5%

Commercial real estate $41,774 $67 13.0% 0.5% 7.5%

Unused commi tments $12,998 $17 12.3% 0.6% 14.6%

Securi ti za ti on outs ta nding principal $17,862 $29 ‐17.6% ‐0.6% ‐9.1%

Mortgage‐ba cked securi ties (GSE and priva te i s sue ) $24 $0 ‐8.3% ‐0.6% 13.8%

Asset‐ba cked securi ties $12,358 $12 0.0% ‐5.1% ‐10.8%

Other securi ties $16 $0 ‐100.0% ‐9.8% ‐100.0%

Ca s h & bala nces due $10,520 $14 97.8% 6.2% 26.1%

Residential mortgage origina tions

Closed‐end mortgage originated for sale (quarter) $2,296 $13 39.4% ‐30.1% ‐44.4%

Open‐end HELOC originated for sale (quarter) $0 $0 ‐100.0% 0.0% 0.0%

Closed‐end mortgage originations sold (quarter) $2,404 $14 43.2% ‐24.4% ‐38.8%

Open‐end HELOC originations sold (quarter) $0 $0 ‐100.0% 0.0% 0.0%

Liabilities $150,964 $268 9.6% 0.5% 5.0%

Deposi ts $135,711 $243 14.3% 1.7% 7.3%

Total othe r borrowings $14,071 $16 ‐21.9% ‐3.2% ‐13.5%

FHLB advances $9,656 $12 ‐20.0% ‐0.1% ‐14.3%

Equity

Equi ty ca pi tal a t qua rte r end $16,532 $28 19.3% 1.3% 5.4%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leve rage ratio 9.2% 9.2% 8.8% 9.0%

Tier 1 ri sk based ca pi tal ra tio 12.2% 12.1% 10.8% 11.8% 11.6%

Total ri sk based capi tal ra tio 13.5% 13.3% 12.0% 13.1% 12.9%

Return on equi ty2 3.3% 4.0% 3.4% 0.2% 2.9%

Return on a s se ts 2 0.3% 0.4% 0.3% 0.0% 0.3%

Net interes t ma rgin2 3.8% 3.8% 3.7% 3.8% 3.4%

Cove rage ra tio {(ALLL+All oc tra ns fer ri sk)/Noncurrent loans )} 53.9% 63.5% 93.5% 64.0% 67.8%

Los s provi sion to net cha rge‐offs (qtr) 109.7% 106.3% 141.6% 136.1% 142.4%

Net cha rge‐offs to average loans and leases 2 0.9% 0.4% 0.2% 1.0% 0.2%

2. Quarterly, annualized.

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 10.9% 6.5% 1.6% 5.8%

Closed‐end 1‐4 family residential 3.2% 2.0% 0.5% 1.8% 0.9%

Home equity 1.1% 0.0% 0.0% 0.0% 0.0%

Credit card 1.2% 0.0% 0.0% 0.0% 0.0%

Other consumer 0.9% 0.2% 0.1% 0.2% 0.1%

Commercial & Industrial 2.5% 1.3% 0.4% 1.0% 0.7%

Commercial real estate 2.9% 1.6% 0.2% 1.3% 0.7%

Total loans 3.7% 2.7% 1.1% 2.6% 1.9%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 0.6% 0.0% 0.0% 0.1% 0.0%

Closed‐end 1‐4 family residential 0.2% 0.0% 0.0% 0.0% 0.0%

Home equity 0.2% 0.0% 0.0% 0.0% 0.0%

Credit card 1.1% 0.6% 0.1% 0.6% 0.4%

Other consumer 0.5% 0.1% 0.1% 0.1% 0.1%

Commercial & Industrial 0.4% 0.1% 0.0% 0.2% 0.0%

Commercial real estate 0.1% 0.0% 0.0% 0.0% 0.0%

Total loans 0.2% 0.1% 0.0% 0.3% 0.1%

Bank Holding Companies Independent Depository

Institutions

Total Assets of

Depository Institutions

in Group

% of Total Assets of All

Depository Institutions

349 113 $167,505 1.4%

Source: Call and Thri ft Fi nancial Report Da ta

Q1 2010

Q1 2010

Institutions in Group

1. For depository institutions owned by multi‐bank holding companies, asset size groups are assigned by the total combined assets of depository institutions owned by the same bank holding

company.  All data are consolidated by bank holding company when applicable, and changes are calculated based on the consolidated figures.  

IV. CPP Depository Institutions with Assets Less Than $1 Billion1

Q1 2010 Median % Change

Median Levels

Ratios Q1 2010

Selected balance and off‐balance sheet items

Charge‐Offs  (% of Total Loan Type)

Noncurrent Loans (% of Total Loan Type)
12 

$ millions

(aggregate)

$ millions

(median) Q3 2008 From Previous

Quarter From Previous Year

Assets $688,417 $17,872 7.5% 0.1% 0.1%

Loa ns $393,441 $11,416 ‐1.3% ‐1.0% ‐4.4%

Construction & development $12,843 $127 ‐29.8% ‐10.0% ‐23.9%

Closed‐end 1‐4 family residential $156,329 $2,389 ‐3.7% ‐1.4% ‐2.9%

Home equity $32,077 $445 2.5% ‐1.4% ‐1.6%

Credit card $45,413 $0 4.4% ‐3.0% 4.7%

Other consumer $33,914 $231 ‐23.7% ‐4.2% ‐15.3%

Commercial & Industrial $36,287 $656 ‐7.4% ‐3.7% ‐10.3%

Commercial real estate $42,571 $936 ‐2.5% ‐0.4% ‐4.6%

Unused commi tments $30,005 $1,410 26.4% 4.2% 9.3%

Securi tiza ti on outs tandi ng princi pal $388,182 $2,890 ‐13.2% ‐2.5% ‐9.0%

Mortgage‐backed securi ties (GSE and priva te is s ue ) $1,029 $0 ‐100.0% ‐51.4% ‐100.0%

As set‐backed securi ties $121,647 $2,478 5.9% ‐1.4% 1.2%

Other securi ties $2,609 $0 1.9% ‐51.5% ‐98.9%

Ca s h & balances due $40,710 $606 52.5% 8.1% 13.2%

Resi dential mortgage origina ti ons

Closed‐end mortgage originated for sale (quarter) $7,087 $109 11.6% ‐33.6% ‐56.4%

Open‐end HELOC originated for sale (quarter) $0 $0 0.0% 0.0% 0.0%

Closed‐end mortgage originations sold (quarter) $7,595 $108 4.0% ‐30.3% ‐46.1%

Open‐end HELOC originations sold (quarter) $0 $0 0.0% 0.0% 0.0%

Liabilities $617,468 $15,438 6.1% ‐0.1% ‐1.5%

Depos i ts $490,920 $12,713 12.1% 0.1% 2.7%

Total other borrowi ngs $114,317 $1,819 ‐36.5% ‐4.5% ‐18.0%

FHLB a dvances $14,859 $115 ‐4.7% ‐2.2% ‐17.2%

Equity

Equi ty capi tal a t qua rter end $70,890 $1,771 13.9% 1.8% 10.5%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ra tio 9.1% 8.5% 7.5% 8.4% 7.5%

Tier 1 risk based capi tal ra tio 15.7% 13.4% 10.8% 12.5% 10.9%

Total ris k based capi tal ra ti o 17.0% 14.8% 11.8% 14.0% 12.4%

Return on equi ty2 10.8% 10.6% 5.8% 7.2% 9.2%

Return on a s sets 2 1.1% 1.0% 0.5% 0.7% 0.8%

Net i nteres t ma rgi n2 3.4% 3.5% 3.3% 3.4% 2.9%

Coverage ra ti o {(ALLL+All oc trans fe r ri sk)/Noncurrent l oans )} 46.0% 76.7% 109.4% 77.9% 93.0%

Los s provi sion to net cha rge‐offs (qtr) 93.2% 115.1% 206.4% 119.8% 158.6%

Net cha rge‐offs to average loans and leases 2 2.0% 1.0% 0.6% 1.1% 0.9%

2. Quarterly, annualized.

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 14.2% 9.9% 4.0% 9.6% 6.8%

Closed‐end 1‐4 family residential 6.8% 2.9% 1.1% 2.3% 1.6%

Home equity 1.3% 0.5% 0.3% 0.8% 0.7%

Credit card 2.0% 2.1% 1.3% 2.0% 2.0%

Other consumer 0.4% 0.6% 0.3% 0.7% 0.4%

Commercial & Industrial 1.7% 0.9% 0.3% 1.0% 0.5%

Commercial real estate 3.7% 1.7% 0.1% 1.1% 0.6%

Total loans 4.3% 2.4% 1.1% 2.4% 1.8%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 1.9% 0.3% 0.0% 0.3% 0.1%

Closed‐end 1‐4 family residential 0.2% 0.1% 0.0% 0.1% 0.1%

Home equity 0.7% 0.1% 0.0% 0.1% 0.1%

Credit card 2.0% 1.5% 1.1% 1.6% 1.4%

Other consumer 0.5% 0.3% 0.3% 0.4% 0.5%

Commercial & Industrial 0.3% 0.2% 0.1% 0.2% 0.2%

Commercial real estate 0.3% 0.0% 0.0% 0.0% 0.0%

Total loans 0.5% 0.3% 0.2% 0.3% 0.2%

Bank Holding Companies Independent Depository

Institutions

Total Assets of

Depository Institutions

in Group

% of Total Assets of All

Depository Institutions

14 14 $688,417 5.6%

Source: Call and Thri ft Fi nancial Report Da ta

Q1 2010

Q1 2010

Institutions in Group

1. For depository institutions owned by multi‐bank holding companies, asset size groups are assigned by the total combined assets of depository institutions owned by the same bank holding

company.  All data are consolidated by bank holding company when applicable, and changes are calculated based on the consolidated figures.  

V. Non‐CPP Depository Institutions with Assets Between $10 Billion and $100 Billion1

Q1 2010 Median % Change

Median Levels

Ratios Q1 2010

Selected balance and off‐balance sheet items

Charge‐Offs  (% of Total Loan Type)

Noncurrent Loans (% of Total Loan Type)
13 

.3%

$ millions

(aggregate)

$ millions

(median) Q3 2008 From Previous

Quarter From Previous Year

Assets $868,721 $1,650 6.2% 0.4% 2.6%

Loa ns $542,639 $1,116 ‐1.8% ‐1.3% ‐3.1%

Construction & development $51,178 $91 ‐24.7% ‐4.8% ‐21.1%

Closed‐end 1‐4 family residential $149,473 $235 ‐3.7% ‐1.4% ‐5.5%

Home equity $24,888 $38 11.2% ‐0.2% 3.6%

Credit card $11,517 $0 0.0% ‐4.6% 7.0%

Other consumer $32,714 $17 ‐15.8% ‐4.3% ‐11.0%

Commercial & Industrial $67,789 $114 ‐7.4% ‐2.7% ‐8.3%

Commercial real estate $149,702 $315 8.7% 0.0% 4.3%

Unused commi tments $67,127 $149 10.6% 1.6% 12.7%

Securi ti za tion outs tanding principal $185,598 $186 ‐13.2% ‐0.9% ‐9.6%

Mortgage‐backed securi ties (GSE and priva te i s s ue ) $1,814 $0 ‐33.0% ‐2.8% ‐21.3%

Asset‐backed securi ties $112,950 $162 0.9% ‐3.6% ‐6.0%

Other securi ties $1,434 $0 ‐100.0% ‐2.6% ‐100.0%

Ca s h & bala nces due $71,214 $105 135.9% 11.0% 35.4%

Residential mortgage origina tions

Closed‐end mortgage originated for sale (quarter) $7,193 $7 12.4% ‐31.2% ‐53.0%

Open‐end HELOC originated for sale (quarter) $22 $0 26.0% ‐62.1% 201.0%

Closed‐end mortgage originations sold (quarter) $7,928 $8 9.9% ‐23.0% ‐49.2%

Open‐end HELOC originations sold (quarter) $53 $0 157.7% 15.1% 698.7%

Liabilities $777,022 $1,500 6.1% 0.3% 2.1%

Deposi ts $665,843 $1,316 11.6% 1.1% 5.1%

Total other borrowings $100,717 $143 ‐21.3% ‐2.7% ‐13.9%

FHLB a dvances $42,753 $78 ‐26.1% ‐1.6% ‐14.8%

Equity

Equi ty capi tal a t qua rter end $91,396 $163 6.9% 1.6% 5

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ra tio 9.6% 8.7% 8.9% 8.6% 8.5%

Tier 1 ri sk based capi tal ra tio 14.2% 12.3% 11.5% 11.9% 11.2%

Total ri sk based ca pi tal ra tio 15.5% 13.5% 12.6% 13.0% 12.4%

Return on equi ty2 3.9% 5.9% 5.6% 5.1% 5.9%

Return on a s se ts 2 0.4% 0.6% 0.6% 0.5% 0.6%

Net inte res t ma rgin2 3.6% 3.5% 3.6% 3.5% 3.4%

Coverage ra tio {(ALLL+Alloc tra ns fer ri sk)/Noncurrent loans )} 46.0% 64.3% 99.3% 66.2% 76.4%

Los s provi sion to net cha rge‐offs (qtr) 117.1% 136.3% 150.5% 122.7% 164.8%

Net cha rge‐offs to average loans and leases 2 1.5% 0.5% 0.3% 0.9% 0.4%

2. Quarterly, annualized.

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 17.3% 8.5% 3.0% 7.5% 4.7%

Closed‐end 1‐4 family residential 4.2% 1.8% 0.8% 1.7% 1.2%

Home equity 1.4% 0.5% 0.2% 0.4% 0.4%

Credit card 2.0% 0.5% 0.3% 0.5% 0.6%

Other consumer 0.5% 0.3% 0.2% 0.3% 0.3%

Commercial & Industrial 2.5% 1.5% 0.6% 1.2% 1.0%

Commercial real estate 3.7% 2.2% 0.8% 2.1% 1.1%

Total loans 4.5% 2.5% 1.1% 2.5% 1.8%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 1.5% 0.1% 0.0% 0.4% 0.0%

Closed‐end 1‐4 family residential 0.2% 0.1% 0.0% 0.1% 0.0%

Home equity 0.3% 0.0% 0.0% 0.0% 0.0%

Credit card 3.2% 0.7% 0.7% 1.0% 0.7%

Other consumer 0.3% 0.2% 0.2% 0.3% 0.2%

Commercial & Industrial 0.3% 0.1% 0.1% 0.3% 0.1%

Commercial real estate 0.3% 0.0% 0.0% 0.0% 0.0%

Total loans 0.4% 0.1% 0.1% 0.3% 0.1%

Bank Holding Companies Independent Depository

Institutions

Total Assets of

Depository Institutions

in Group

% of Total Assets of All

Depository Institutions

241 114 $868,721 7.0%

Source: Call and Thri ft Financial Report Da ta

Q1 2010

Q1 2010

Institutions in Group

1. For depository institutions owned by multi‐bank holding companies, asset size groups are assigned by the total combined assets of depository institutions owned by the same bank holding

company.  All data are consolidated by bank holding company when applicable, and changes are calculated based on the consolidated figures.  

VI. Non‐CPP Depository Institutions with Assets Between $1 Billion and $10 Billion1

Q1 2010 Median % Change

Median Levels

Ratios Q1 2010

Selected balance and off‐balance sheet items

Charge‐Offs  (% of Total Loan Type)

Noncurrent Loans (% of Total Loan Type)
$ millions

(aggregate)

$ millions

(median) Q3 2008 From Previous

Quarter From Previous Year

Assets $1,186,573 $132 7.1% 0.7% 3.6%

Loa ns $783,331 $84 1.6% ‐0.8% 0.9%

Construction & development $71,886 $4 ‐22.0% ‐3.1% ‐17.5%

Closed‐end 1‐4 family residential $225,651 $20 4.2% ‐0.5% 1.3%

Home equity $29,566 $1 10.1% 0.0% 3.5%

Credit card $2,157 $0 ‐2.5% ‐4.6% 5.2%

Other consumer $36,921 $3 ‐8.8% ‐3.4% ‐4.4%

Commercial & Industrial $94,845 $8 ‐2.9% ‐1.1% ‐2.1%

Commercial real estate $219,688 $18 8.4% ‐0.3% 4.2%

Unused commi tments $133,175 $13 6.0% 0.7% 6.5%

Securi ti za ti on outs ta ndi ng princi pal $175,343 $9 ‐8.4% 1.1% ‐7.3%

Mortgage‐ba cked securi ties (GSE and priva te issue) $2,047 $0 ‐2.6% ‐0.4% ‐0.7%

As set‐ba cked securi ties $91,077 $4 ‐13.0% ‐5.6% ‐15.6%

Other securi ties $447 $0 ‐70.1% ‐4.4% ‐66.3%

Ca s h & bala nces due $87,314 $8 69.0% 2.4% 22.3%

Res idential mortgage origi na ti ons

Closed‐end mortgage originated for sale (quarter) $8,012 $9 9.7% ‐31.2% ‐54.7%

Open‐end HELOC originated for sale (quarter) $35 $0 ‐75.7% ‐56.8% ‐68.0%

Closed‐end mortgage originations sold (quarter) $8,629 $10 6.1% ‐24.7% ‐47.0%

Open‐end HELOC originations sold (quarter) $27 $0 ‐100.0% ‐28.2% 1120.9%

Liabilities $1,065,127 $118 7.3% 0.6% 3.6%

Depos i ts $980,331 $111 9.7% 1.1% 4.8%

Total other borrowi ngs $76,058 $3 ‐25.3% ‐2.6% ‐13.8%

FHLB a dva nces $47,914 $2 ‐21.3% ‐0.4% ‐11.8%

Equity

Equi ty ca pi tal a t qua rte r end $121,389 $14 5.7% 1.3% 3.4%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leve rage ra ti o 9.8% 9.6% 10.0% 9.5% 9.7%

Tier 1 ri sk based ca pi tal ra ti o 14.2% 14.1% 14.3% 13.8% 14.1%

Total ris k based ca pi tal ra ti o 15.4% 15.2% 15.3% 15.0% 15.2%

Re turn on equi ty2 4.8% 6.1% 6.9% 3.9% 6.3%

Re turn on a s se ts 2 0.5% 0.6% 0.8% 0.4% 0.7%

Net i nte res t ma rgi n2 3.7% 3.8% 3.9% 3.8% 3.7%

Cove rage ra ti o {(ALLL+All oc tra ns fe r ri sk)/Noncurrent loa ns )} 49.4% 74.2% 99.4% 74.3% 80.0%

Los s provi s i on to net cha rge‐offs (qtr) 121.9% 95.7% 97.3% 108.3% 100.3%

Net cha rge‐offs to ave rage loans and leases 2 0.8% 0.1% 0.1% 0.4% 0.1%

2. Quarterly, annualized.

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 13.3% 0.2% 0.0% 0.0% 0.0%

Closed‐end 1‐4 family residential 2.6% 1.1% 0.5% 1.0% 0.7%

Home equity 1.3% 0.0% 0.0% 0.0% 0.0%

Credit card 1.5% 0.0% 0.0% 0.0% 0.0%

Other consumer 0.9% 0.2% 0.2% 0.3% 0.2%

Commercial & Industrial 2.4% 0.6% 0.2% 0.6% 0.4%

Commercial real estate 3.2% 0.8% 0.0% 0.7% 0.3%

Total loans 3.5% 1.7% 1.0% 1.6% 1.3%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 0.6% 0.0% 0.0% 0.0% 0.0%

Closed‐end 1‐4 family residential 0.1% 0.0% 0.0% 0.0% 0.0%

Home equity 0.2% 0.0% 0.0% 0.0% 0.0%

Credit card 2.4% 0.0% 0.0% 0.1% 0.0%

Other consumer 0.4% 0.0% 0.1% 0.1% 0.1%

Commercial & Industrial 0.3% 0.0% 0.0% 0.0% 0.0%

Commercial real estate 0.1% 0.0% 0.0% 0.0% 0.0%

Total loans 0.2% 0.0% 0.0% 0.1% 0.0%

Bank Holding Companies Independent Depository

Institutions

Total Assets of

Depository Institutions

in Group

% of Total Assets of All

Depository Institutions

4,066 1,886 $1,186,573 9.6%

Source: Call and Thri ft Fi na ncia l Report Da ta

Q1 2010

Q1 2010

Institutions in Group

1. For depository institutions owned by multi‐bank holding companies, asset size groups are assigned by the total combined assets of depository institutions owned by the same bank holding

company.  All data are consolidated by bank holding company when applicable, and changes are calculated based on the consolidated figures.  

VII. Non‐CPP Depository Institutions with Assets Less Than $1 Billion1

Q1 2010 Median % Change

Median Levels

Ratios Q1 2010

Selected balance and off‐balance sheet items

Charge‐Offs  (% of Total Loan Type)

Noncurrent Loans (% of Total Loan Type)

14 
15 

                                                           

Appendix A: Notes to Call and Thrift Financial Report Data Users

The Treasury Department invested $205 billion in banking organizations participating in the 

Troubled Asset Relief Program’s Capital Purchase Program between October 28, 2008, and 

December 31, 2009. These investments went to 707 independent banks and bank and thrift 

holding companies. The summary tables above present analysis of Call and Thrift Financial 

Report data for the FDIC-insured institutions. 

Templates summarizing selected balance sheet items and performance and condition ratios were 

developed after consultation with members of an interagency working group. Changes in loan 

balances, commitments, securities, and residential real estate loan originations for sale address 

banks’ credit intermediation activities.12 Weighted average performance ratios and median 

performance ratios were calculated for each group, as were weighted average and median 

noncurrent rates and gross charge-off rates (not net of recoveries) for major loan types. Data 

were collected for each quarter from Q3 2008 through Q1 2010, and percent changes were 

calculated for Q1 2010 as compared to Q4 2009, Q1 2009, and Q3 2008. Data items were 

“merger-adjusted” to include institutions that were acquired during the period from October 1, 

2008, to March 31, 2010. 

Ally Bank, the subsidiary depository institution of Ally Financial Inc. (previously GMAC), was 

excluded from all groups as GMAC received TARP funds under the Automotive Industry 

Financing Program. 

Source: Treasury Analysis of Call and Thrift Financial Report Data

12 Call Report filers with assets over $1 billion or more than $10 million in mortgage origination for two consecutive 

quarters report residential loans originated for sale. 
16 

                                                           

Section B: Consolidated Financial Statements for Bank Holding Companies (FR Y-9C 

Data) Analysis 

Many of Treasury’s investments through CPP have been made in bank holding companies, 

which own subsidiary depository institutions and may also own other permitted types of 

subsidiaries.13 Many institutions in CPP indicated their intention to “downstream” funds to their 

subsidiary depository institutions, which are the primary vehicles for financial intermediation 

and traditional lending activity. The activity of these depository subsidiaries is thus included in 

Call and Thrift Financial Report data, which are filed by individual depository institutions. 

The Y-9C Report captures consolidated financial information from bank holding companies. 

That is, the Y-9C Report captures not only the financial information of the subsidiary depository 

institution(s) owned by a bank holding company, but also the financial information of any other 

subsidiary owned by that bank holding company. Examples of other subsidiaries that may be 

owned by bank holding companies include broker dealers, insurance companies, finance 

companies, and asset management firms. This type of information is not captured in Call and 

Thrift Financial Report data. As a result, Y-9C data typically present a fuller picture of bankingrelated activity for the banking organizations required to file them than Call and Thrift Financial 

Report data. 

In order to examine the possible effects of CPP and other stabilization initiatives on a range of 

financial institutions, the interagency group chose to present Y-9C data in addition to Call and 

Thrift Financial Report data. However, the aggregated Y-9C data can be somewhat more 

volatile, particularly in this period of financial crisis, for multiple reasons. In some cases, those 

bank holding companies with large non-depository subsidiaries were subject to greater or 

different market pressures. In addition, the population of reporting holding companies shifted 

significantly during this period as a noteworthy set of large financial firms chose to convert to 

bank holding company status between fourth quarter 2008 and first quarter 2009. Those 

institutions filed their first Y-9C reports in first quarter 2009.14

Because the content of the Y-9C report closely follows that of the Call Report and Thrift 

Financial Report, the same line items that appear in the Call and Thrift Financial Report tables 

appear in the Y-9C data tables. For more detailed information on the data tables, see Appendix 

B: Note to Y-9C Data Users. 

The data tables are split into seven groups that mirror the seven reporting groups presented in the 

Call and Thrift Financial Report tables (except that asset size is assigned using the consolidate 

13 Investments were made at the bank holding company level for all depository institutions owned by a bank holding 

company. Similarly, investments were made at the thrift holding company level for all depository institutions 

owned by a thrift holding company. Thrift holding companies are not required to file detailed consolidated financial 

reports. 

14 Because data are not available prior to first quarter 2009 for those new bank holding companies, changes from 

third quarter 2008 were not calculated for those bank holding companies in the data analysis. 
bank holding company asset size, not the asset size of the subsidiary depository institutions). 

The groups, which consist solely of top tier bank holding companies, are: 

Group Description Number of Institutions 

in Q1 2010

Group I CPP Participants with assets over $100 billion 16

Group II CPP Participants with assets between $10 and $100 billion 35

Group III CPP Participants with assets between $1 and $10 billion 155

Group IV CPP Participants with assets under $1 billion 115

Group V Non-CPP Participants with assets between $10 and $100 billion 14

Group VI Non-CPP Participants with assets between $1 and $10 billion 239

Group VII Non-CPP Participants with assets under $1 billion 445

While median percentage changes from third quarter 2008, first quarter 2009 and fourth quarter 

2009 to first quarter 2010 are presented for balance sheet items, these numbers should be used 

with caution for reasons discussed above. 

17 
18 

Summary of Findings 

Note: All changes refer to the median change between third quarter 2008 and first quarter 2010, 

unless otherwise noted. 

Selected Balance and Off-Balance Sheet Items

Overall Asset Growth 

Asset growth was positive in all groups except CPP institutions with assets over $100 billion. 

Non-CPP institutions with assets between $10 and $100 billion had the largest increase in total 

assets (11.8%). CPP institutions with assets over $100 billion saw a decrease in assets of -3.1%. 

 

Loan Growth15

Growth in total loans decreased in all groups except Non-CPP institutions with assets between 

$10 and $100 billion. 

Changes in outstanding loan balances by specific loan category varied both by loan category and 

by group. Construction and development loans, other consumer loans, and commercial and 

industrial loans decreased across all groups. Conversely, home equity loans and commercial real 

estate loans increased across all groups (with the exception of CPP institutions with over $100 

billion in assets, which experienced a decrease in commercial real estate loans). As with Section 

A of this report, CPP institutions with assets greater than $100 billion experienced the most 

growth in credit card loans. The growth was largely due to accounting changes implemented in 

the first quarter of 2010 (the implementation of FAS 166 and 167). 

Closed-end and Open-end Mortgage Originations16

Closed-end mortgage originations (mortgages originated for sale and originations sold) increased 

in most groups. Only CPP institutions with assets over $100 billion experienced negative growth 

in closed-end mortgage originations sold. 

Growth was mixed across groups for both open-end mortgage originations for sale and open-end 

originations sold, largely due to the small number of institutions that reported open-end 

originations. 

Securities on Balance Sheet 

Mortgage-backed securities (GSE and private issue) experienced growth in all groups except for 

Non-CPP institutions with assets less than $1 billion. Asset-backed securities (ABS) decreased 

in all groups. 

Other Asset Growth 

Unused commitments and securitization outstanding principal decreased in all groups (CPP and 

Non-CPP). Growth in cash & balances due increased in all groups with the largest increase in 

                                                           

15 All loan growth figures refer to the change in outstanding loan balances. 

16 Only Y-9C filers with assets over $1 billion or more than $10 million in mortgage origination for two consecutive 

quarters are required to report residential loans originated for sale (see Appendix B: Notes Y-9C Data Users). 
19 

CPP institutions with assets between $10 and $100 billion (207.0%). Other securities also 

increased in all groups with the largest increase in CPP institutions with assets over $100 billion 

(48.4%). 

Liabilities 

Total liabilities increased in all groups except for CPP institutions with assets over $10 billion. 

Non-CPP institutions with assets between $10 and $100 billion had the largest increase in total 

liabilities (11.2%). Deposits grew in all groups (CPP and Non-CPP). The largest growth in 

deposits was in Non-CPP institutions with assets between $10 and $100 billion (14.4%), and the 

smallest growth was in CPP institutions with assets over $100 billion (4.3%). Total other 

borrowings decreased in all groups. 

Equity 

All groups experienced growth in equity capital since third quarter 2008. CPP institutions had 

higher growth in equity capital than Non-CPP institutions in each comparable size group. 

Performance Ratios17

Capital Ratios 

With the exception of Non-CPP institutions with assets between $1 and $10 billion and Non-CPP 

institutions with under $1 billion in assets, all groups had increases in all three median capital 

ratios. 

In first quarter 2010, CPP institutions with assets between $10 and $100 billion had the highest 

median tier one leverage ratio (10.0%) and median tier one risk based capital ratio (12.8%). CPP 

institutions with assets greater than $100 billion had the highest median total risk based capital 

ratio (15.8%). 

Earnings Ratios 

Median return on equity, median return on assets and median net interest margins decreased 

across all groups (CPP and Non-CPP). 

Loss Coverage Ratios 

The median coverage ratio (allowance for loan and lease losses to noncurrent loans) and the 

median ratio of loss provisions to net charge-offs (for the quarter) decreased in all groups (CPP 

and Non-CPP). 

The median ratio of net charge-offs to average loans and leases either decreased or had no 

change in all groups. 

                                                           

17 Performance ratios are displayed as weighted averages and medians for each group for the current quarter (see 

Appendix B: Notes to Y-9C Data Users). Performance ratios are displayed as medians for past quarters. 
20 

Asset Quality: Noncurrent Loans 

The median ratio of total noncurrent loans as a percentage of total loans increased across all 

groups (CPP and Non-CPP). The largest increase in the median ratio of total noncurrent loans to 

total loans was in CPP institutions with assets between $10 and $100 billion. All groups (CPP 

and Non-CPP) experienced increases in the median ratio of noncurrent loans to loans within 

specific loan categories. The largest increases in median ratios were in construction and 

development loans and commercial real estate loans. 

Asset Quality: Gross Charge-offs 

The median ratio of total charge-offs to total loans either decreased or had no change in all size 

groups. The changes in the median ratio of charge-offs to loans within specific loan categories 

was mixed. There was growth in the median ratio of construction and development charge-offs 

to construction and development loans (with the exception of Non-CPP institutions with assets 

under $10 billion) and the median ratio of commercial real estate charge-offs to commercial real 

estate loans which had either growth or no change. All other categories had either a decrease or 

no change.
$ millions

($Aggregate)

$ millions

(median) Q3 2008 From Previous Quarter From Previous Year

Assets $11,252,848 $243,199 ‐3.1% 2.1% 4.1%

Loans $4,403,276 $111,038 ‐8.6% 3.1% 2.7%

Construction & development $135,430 $6,739 ‐36.5% ‐8.4% ‐19.1%

Closed‐end 1‐4 family residential $1,073,406 $20,486 ‐8.5% ‐2.3% ‐8.3%

Home equity $449,359 $11,921 0.3% ‐0.9% ‐2.2%

Credit card 1 $611,720 $2,718 35.3% 67.4% 56.7%

Other consumer $488,145 $11,566 ‐7.5% 2.2% 8.6%

Commercial & Industrial $700,808 $19,481 ‐17.5% ‐1.0% ‐13.5%

Commercial real estate $299,602 $13,315 ‐3.6% ‐0.8% ‐1.8%

Unused commi tments $414,660 $12,670 ‐83.5% ‐91.1% ‐92.0%

Securi tiza tion outs ta nding principal $1,965,905 $3,775 ‐45.7% ‐19.8% ‐31.9%

Mortgage‐backed securi ties (GSE and priva te issue) $826,020 $28,514 13.8% ‐1.2% 14.2%

As set‐ba cked securi ties $106,298 $941 ‐35.4% ‐6.2% ‐21.9%

Other securi ties $2,086,233 $48,939 48.4% ‐0.3% 21.9%

Ca sh & balances due $761,725 $22,649 15.9% ‐1.4% ‐4.4%

Residential mortgage origina tions

Closed‐end mortgage originated for sale (quarter) $194,565 $2,637 0.0% ‐19.7% ‐37.1%

Open‐end HELOC originated for sale (quarter) $2,494 $0 33.8% 5.8% ‐13.3%

Closed‐end mortgage originations sold (quarter) $295,035 $4,078 ‐0.2% ‐17.8% ‐29.7%

Open‐end HELOC originations sold (quarter) $4,257 $0 ‐23.9% 48.2% 27.2%

Liabilities $10,245,455 $213,255 ‐4.8% 2.0% 4.1%

Deposi ts $4,794,298 $118,268 4.3% ‐1.0% 3.6%

Total other borrowi ngs $2,251,063 $43,438 ‐27.5% 2.0% ‐3.2%

Equity

Equi ty ca pi tal a t qua rter end $989,764 $26,763 18.0% 0.0% 3.3%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ra tio 7.1% 8.2% 8.0% 8.5% 8.7%

Tier 1 ri sk based capi tal ra ti o 11.4% 11.5% 8.6% 11.6% 11.2%

Total ri s k based ca pi tal ra tio 15.0% 15.8% 12.3% 15.8% 14.8%

Return on equi ty2 3.0% 3.1% 4.8% 5.7% 2.1%

Return on a s sets 2 0.3% 0.3% 0.6% 0.7% 0.2%

Net interes t ma rgin2 0.9% 1.0% 2.7% 3.6% 0.9%

Coverage ra tio {(ALLL+Alloc trans fer ri sk)/Noncurrent loans )} 68.7% 54.0% 81.5% 51.8% 62.7%

Los s provi sion to net cha rge‐offs (qtr) 93.5% 100.5% 169.7% 137.7% 165.1%

Net cha rge‐offs to average loans and leases 2 1.2% 0.9% 1.5% 3.1% 0.5%

2. Quarterly, annualized.

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 17.9% 17.9% 6.6% 17.3% 8.5%

Closed‐end 1‐4 family residential 14.8% 10.4% 4.4% 10.3% 7.2%

Home equity 2.0% 1.6% 1.3% 1.6% 1.4%

Credit card 4.3% 3.5% 2.4% 3.5% 3.3%

Other consumer 1.8% 1.0% 0.7% 0.9% 0.7%

Commercial & Industrial 3.8% 2.8% 0.9% 2.8% 1.6%

Commercial real estate 6.4% 6.5% 1.3% 5.7% 2.6%

Total loans 6.8% 4.9% 2.7% 4.9% 4.1%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 1.4% 1.2% 1.0% 4.8% 0.7%

Closed‐end 1‐4 family residential 0.7% 0.5% 0.8% 1.6% 0.2%

Home equity 1.1% 0.7% 1.3% 2.9% 0.6%

Credit card 4.0% 3.2% 4.3% 11.3% 2.3%

Other consumer 1.0% 0.5% 1.5% 2.2% 0.6%

Commercial & Industrial 0.6% 0.4% 0.6% 2.3% 0.3%

Commercial real estate 0.3% 0.3% 0.1% 1.4% 0.1%

Total loans 1.0% 0.7% 1.1% 2.5% 0.4%

Bank Holding Companies Total Assets of Depository Institutions in

Group

% of Total Assets of All Depository

Institutions

16 $11,252,848 77.9%

Source: Federal Reserve Y‐9C Da ta

Data are merger adjusted to reflect Wells Fargo & Company's acquisition  of Wachovia Corporation and PNC Financial Services Group's acquisition of National City Corporation in fourth quarter 2008.

1. Increases are largely due to accounting changes implemented in the first quarter of 2010 (the implementation of FAS 166 and 167).

Q1 2010

Q1 2010

Institutions in Group

Cha rge‐Offs  (% of Tota l Loan Type )

Noncurrent Loans (% of Total Loan Type )

Selected balance and off‐balance sheet items

I. CPP Bank Holding Companies with Assets Greater than $100 Billion

Q1 2010 Median % Change

Median Levels

Ra tios Q1 2010

21 
$ millions

($Aggregate)

$ millions

(median) Q3 2008 From Previous Quarter From Previous Year

Assets $943,435 $16,412 1.1% ‐1.1% ‐2.9%

Loans $618,015 $10,926 ‐6.4% ‐2.6% ‐7.6%

Construction & development $53,949 $1,084 ‐27.4% ‐7.2% ‐21.3%

Closed‐end 1‐4 family residential $87,575 $1,697 ‐3.8% ‐1.7% ‐8.7%

Home equity $43,138 $642 8.7% ‐0.1% 2.1%

Credit card $47,225 $1 ‐2.1% ‐4.8% ‐0.1%

Other consumer $49,171 $507 ‐9.0% ‐2.4% ‐9.1%

Commercial & Industrial $139,143 $2,467 ‐13.8% ‐4.5% ‐15.1%

Commercial real estate $128,632 $2,696 13.4% ‐0.4% 4.6%

Unused commi tments $52,511 $992 ‐73.8% ‐69.3% ‐73.3%

Securi tiza tion outs ta nding principal $28,249 $0 ‐32.6% ‐5.5% ‐26.6%

Mortgage‐backed securi ties (GSE and priva te issue) $94,558 $2,012 23.1% ‐1.9% 4.6%

As set‐ba cked securi ties $3,383 $0 ‐62.4% ‐3.7% ‐61.4%

Other securi ties $196,193 $3,857 9.8% ‐0.6% ‐1.0%

Ca sh & balances due $91,606 $1,080 207.0% 26.0% 39.5%

Residential mortgage origina tions

Closed‐end mortgage originated for sale (quarter) $5,181 $82 46.4% ‐26.4% ‐41.6%

Open‐end HELOC originated for sale (quarter) $6 $0 ‐69.7% ‐37.3% ‐50.1%

Closed‐end mortgage originations sold (quarter) $7,292 $95 40.6% ‐18.0% ‐26.7%

Open‐end HELOC originations sold (quarter) $4 $0 ‐79.2% ‐53.7% ‐69.1%

Liabilities $841,888 $14,442 ‐2.8% ‐1.0% ‐2.4%

Deposi ts $649,872 $11,517 9.4% 0.7% 6.3%

Total other borrowi ngs $115,047 $1,055 ‐39.0% ‐6.2% ‐28.0%

Equity

Equi ty ca pi tal a t qua rter end $100,416 $1,676 24.4% 0.6% 6.9%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ra tio 10.1% 10.0% 8.0% 9.5% 9.5%

Tier 1 ri sk based capi tal ra ti o 12.6% 12.8% 9.2% 12.3% 11.6%

Total ri s k based ca pi tal ra tio 15.3% 15.0% 11.9% 14.4% 13.9%

Return on equi ty2 ‐0.7% 0.1% 5.2% ‐3.2% ‐0.9%

Return on a s sets 2 ‐0.1% 0.0% 0.6% ‐0.3% ‐0.1%

Net interes t ma rgin2 1.1% 1.0% 2.9% 3.8% 0.9%

Coverage ra tio {(ALLL+Alloc trans fer ri sk)/Noncurrent loans )} 66.2% 66.7% 81.0% 63.7% 66.2%

Los s provi sion to net cha rge‐offs (qtr) 110.4% 108.6% 170.0% 135.8% 144.4%

Net cha rge‐offs to average loans and leases 2 1.0% 0.6% 0.7% 3.8% 0.5%

2. Quarterly, annualized.

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 18.9% 15.2% 6.3% 14.0% 10.1%

Closed‐end 1‐4 family residential 5.8% 3.9% 1.5% 3.8% 2.5%

Home equity 1.1% 1.1% 0.8% 1.1% 1.0%

Credit card 3.2% 0.6% 0.6% 0.8% 1.0%

Other consumer 2.2% 0.7% 0.4% 0.6% 0.6%

Commercial & Industrial 3.5% 2.5% 0.7% 2.4% 1.8%

Commercial real estate 4.9% 4.5% 0.8% 4.1% 1.6%

Total loans 5.2% 4.7% 1.9% 4.7% 3.0%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 2.4% 1.5% 1.4% 8.3% 0.9%

Closed‐end 1‐4 family residential 0.5% 0.3% 0.2% 1.3% 0.2%

Home equity 0.4% 0.3% 0.3% 1.0% 0.2%

Credit card 2.4% 1.8% 3.3% 6.7% 1.1%

Other consumer 0.5% 0.4% 0.9% 2.1% 0.5%

Commercial & Industrial 0.5% 0.4% 0.5% 2.5% 0.4%

Commercial real estate 0.4% 0.4% 0.1% 1.0% 0.0%

Total loans 0.8% 0.5% 0.6% 3.1% 0.4%

Bank Holding Companies Total Assets of Depository Institutions in

Group

% of Total Assets of All Depository

Institutions

35 $943,435 6.5%

Source: Federal Reserve Y‐9C Da ta

Q1 2010

Q1 2010

Institutions in Group

II. CPP Bank Holding Companies with Assets Between $10 Billion and $100 Billion

Q1 2010 Median % Change

Median Levels

Ra tios Q1 2010

Cha rge‐Offs  (% of Tota l Loan Type )

Noncurrent Loans (% of Total Loan Type )

Selected balance and off‐balance sheet items

22 
  

$ millions

($Aggregate)

$ millions

(median) Q3 2008 From Previous Quarter From Previous Year

Assets $412,977 $1,903 7.0% ‐0.2% 1.1%

Loans $283,888 $1,361 ‐1.2% ‐1.6% ‐3.0%

Construction & development $36,132 $164 ‐22.1% ‐5.7% ‐22.9%

Closed‐end 1‐4 family residential $50,050 $241 1.0% ‐1.5% ‐3.8%

Home equity $16,884 $60 10.9% ‐0.3% 3.3%

Credit card $258 $0 ‐5.0% ‐4.9% 1.1%

Other consumer $11,236 $35 ‐16.8% ‐4.9% ‐11.9%

Commercial & Industrial $44,843 $174 ‐7.8% ‐2.3% ‐6.7%

Commercial real estate $99,788 $455 11.4% 0.2% 5.5%

Unused commi tments $21,889 $86 ‐67.3% ‐59.1% ‐65.2%

Securi tiza tion outs ta nding principal $982 $0 ‐10.8% 0.0% ‐2.9%

Mortgage‐backed securi ties (GSE and priva te issue) $39,261 $160 35.2% ‐2.7% 1.0%

As set‐ba cked securi ties $94 $0 ‐80.4% 0.0% ‐99.5%

Other securi ties $101,595 $450 27.0% 2.1% 11.3%

Ca sh & balances due $26,590 $98 105.2% 7.6% 40.2%

Residential mortgage origina tions

Closed‐end mortgage originated for sale (quarter) $7,913 $12 22.8% ‐29.6% ‐49.1%

Open‐end HELOC originated for sale (quarter) $2 $0 ‐89.8% ‐59.3% ‐94.2%

Closed‐end mortgage originations sold (quarter) $10,447 $15 26.7% ‐22.5% ‐39.0%

Open‐end HELOC originations sold (quarter) $0 $0 0.0% 0.0% 0.0%

Liabilities $374,294 $1,765 6.5% ‐0.1% 1.2%

Deposi ts $326,771 $1,545 12.9% 0.8% 5.1%

Total other borrowi ngs $21,320 $95 ‐36.8% ‐5.6% ‐26.6%

Equity

Equi ty ca pi tal a t qua rter end $38,464 $155 25.0% 0.9% 0.4%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ra tio 9.0% 9.2% 8.3% 9.0% 9.7%

Tier 1 ri sk based capi tal ra ti o 12.2% 12.1% 9.9% 11.8% 12.0%

Total ri s k based ca pi tal ra tio 14.0% 14.1% 11.4% 13.6% 13.7%

Return on equi ty2 ‐0.9% 0.9% 6.5% ‐1.0% 1.0%

Return on a s sets 2 ‐0.1% 0.1% 0.5% ‐0.2% 0.1%

Net interes t ma rgin2 1.1% 1.1% 3.2% 4.2% 1.0%

Coverage ra tio {(ALLL+Alloc trans fer ri sk)/Noncurrent loans )} 52.5% 60.6% 86.3% 65.2% 66.0%

Los s provi sion to net cha rge‐offs (qtr) 116.7% 113.4% 170.0% 135.7% 177.9%

Net cha rge‐offs to average loans and leases 2 0.6% 0.4% 0.3% 1.8% 0.2%

2. Quarterly, annualized.

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 16.0% 10.7% 3.4% 10.3% 6.4%

Closed‐end 1‐4 family residential 3.7% 2.7% 1.2% 2.6% 1.6%

Home equity 1.2% 0.7% 0.3% 0.6% 0.5%

Credit card 0.9% 0.0% 0.0% 0.0% 0.0%

Other consumer 0.7% 0.5% 0.3% 0.5% 0.4%

Commercial & Industrial 2.7% 2.0% 0.9% 2.0% 1.6%

Commercial real estate 3.5% 2.6% 0.7% 2.4% 1.2%

Total loans 4.8% 3.7% 1.4% 3.4% 2.4%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 1.5% 0.7% 0.2% 2.9% 0.2%

Closed‐end 1‐4 family residential 0.3% 0.2% 0.1% 0.8% 0.1%

Home equity 0.3% 0.1% 0.1% 0.5% 0.0%

Credit card 1.5% 0.9% 1.6% 3.7% 0.8%

Other consumer 0.5% 0.4% 1.0% 2.0% 0.4%

Commercial & Industrial 0.5% 0.3% 0.5% 2.0% 0.2%

Commercial real estate 0.3% 0.1% 0.0% 0.4% 0.0%

Total loans 0.5% 0.3% 0.3% 1.4% 0.2%

Bank Holding Companies Total Assets of Depository Institutions in

Group

% of Total Assets of All Depository

Institutions

155 $412,977 2.9%

Source: Federal Reserve Y‐9C Da ta

Q1 2010

Q1 2010

Institutions in Group

III. CPP Bank Holding Companies with Assets Between $1 Billion and $10 Billion

Q1 2010 Median % Change

Median Levels

Ra tios Q1 2010

Cha rge‐Offs  (% of Tota l Loan Type )

Noncurrent Loans (% of Total Loan Type )

Selected balance and off‐balance sheet items

23 
$ millions

($Aggregate)

$ millions

(median) Q3 2008 From Previous Quarter From Previous Year

Assets $79,126 $680 6.9% ‐0.1% 2.9%

Loans $56,357 $482 ‐0.6% ‐1.2% ‐0.9%

Construction & development $7,363 $54 ‐23.1% ‐4.5% ‐18.5%

Closed‐end 1‐4 family residential $10,633 $85 0.1% ‐0.7% 0.9%

Home equity $3,016 $22 21.8% 0.2% 7.9%

Credit card $42 $0 ‐0.3% ‐2.6% 8.0%

Other consumer $1,787 $9 ‐14.7% ‐5.4% ‐10.8%

Commercial & Industrial $8,242 $62 ‐7.7% ‐2.3% ‐6.8%

Commercial real estate $20,580 $167 12.0% 0.9% 6.4%

Unused commi tments $3,954 $29 ‐66.0% ‐55.2% ‐60.0%

Securi tiza tion outs ta nding principal $17 $0 ‐20.6% 27.2% 29.7%

Mortgage‐backed securi ties (GSE and priva te issue) $5,624 $36 6.7% ‐4.9% ‐10.9%

As set‐ba cked securi ties $8 $0 ‐70.5% ‐4.9% ‐100.0%

Other securi ties $18,915 $146 14.8% ‐0.3% 7.5%

Ca sh & balances due $4,948 $25 46.0% 1.2% 21.5%

Residential mortgage origina tions

Closed‐end mortgage originated for sale (quarter) $1,460 $0 35.3% ‐32.1% ‐56.6%

Open‐end HELOC originated for sale (quarter) $0 $0 ‐100.0% ‐100.0% 0.0%

Closed‐end mortgage originations sold (quarter) $1,848 $0 37.9% ‐29.7% ‐49.4%

Open‐end HELOC originations sold (quarter) $0 $0 ‐100.0% 0.0% 0.0%

Liabilities $71,894 $631 6.0% ‐0.4% 3.4%

Deposi ts $63,224 $537 10.7% 1.0% 5.9%

Total other borrowi ngs $5,203 $36 ‐30.9% ‐4.1% ‐21.4%

Equity

Equi ty ca pi tal a t qua rter end $7,171 $59 21.6% 1.2% 0.8%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ra tio 9.7% 9.3% 8.4% 9.3% 9.7%

Tier 1 ri sk based capi tal ra ti o 12.8% 12.1% 10.3% 11.9% 11.9%

Total ri s k based ca pi tal ra tio 14.4% 13.7% 11.6% 13.4% 13.1%

Return on equi ty2 0.9% 1.3% 6.5% ‐1.2% 1.1%

Return on a s sets 2 0.1% 0.1% 0.5% ‐0.1% 0.1%

Net interes t ma rgin2 1.1% 1.1% 3.2% 4.2% 1.0%

Coverage ra tio {(ALLL+Alloc trans fer ri sk)/Noncurrent loans )} 52.6% 54.2% 80.2% 58.8% 64.8%

Los s provi sion to net cha rge‐offs (qtr) 114.0% 122.5% 168.2% 152.5% 193.6%

Net cha rge‐offs to average loans and leases 2 0.3% 0.2% 0.2% 1.2% 0.1%

2. Quarterly, annualized.

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 10.7% 8.1% 3.3% 8.0% 5.9%

Closed‐end 1‐4 family residential 3.2% 2.3% 1.2% 2.6% 1.6%

Home equity 1.0% 0.3% 0.1% 0.1% 0.3%

Credit card 0.9% 0.2% 0.7% 0.3% 0.2%

Other consumer 0.8% 0.4% 0.3% 0.2% 0.3%

Commercial & Industrial 2.7% 1.9% 0.7% 1.7% 1.0%

Commercial real estate 3.2% 2.5% 0.5% 1.8% 1.0%

Total loans 3.9% 3.7% 1.6% 3.5% 2.3%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 0.6% 0.2% 0.1% 2.0% 0.0%

Closed‐end 1‐4 family residential 0.2% 0.1% 0.1% 0.5% 0.0%

Home equity 0.2% 0.0% 0.0% 0.3% 0.0%

Credit card 1.3% 0.6% 1.5% 2.9% 0.6%

Other consumer 0.4% 0.2% 0.6% 1.4% 0.2%

Commercial & Industrial 0.4% 0.2% 0.3% 1.3% 0.1%

Commercial real estate 0.1% 0.0% 0.0% 0.2% 0.0%

Total loans 0.3% 0.2% 0.2% 0.9% 0.1%

Bank Holding Companies Total Assets of Depository Institutions in

Group

% of Total Assets of All Depository

Institutions

115 $79,126 0.5%

Source: Federal Reserve Y‐9C Da ta

Q1 2010

Q1 2010

Institutions in Group

IV. CPP Bank Holding Companies with Assets Less Than $1 Billion

Q1 2010 Median % Change

Median Levels

Ra tios Q1 2010

Cha rge‐Offs  (% of Tota l Loan Type )

Noncurrent Loans (% of Total Loan Type )

Selected balance and off‐balance sheet items

24 
$ millions

($Aggregate)

$ millions

(median) Q3 2008 From Previous Quarter From Previous Year

Assets $351,207 $16,687 11.8% 0.3% 5.3%

Loans $227,966 $10,087 0.1% ‐0.8% ‐0.5%

Construction & development $17,495 $1,012 ‐19.6% ‐6.1% ‐19.4%

Closed‐end 1‐4 family residential $39,598 $1,721 3.9% ‐1.8% ‐0.6%

Home equity $14,923 $447 19.9% 0.0% 7.4%

Credit card $5,550 $80 10.5% ‐2.1% 11.6%

Other consumer $21,666 $400 ‐30.0% ‐3.5% ‐22.2%

Commercial & Industrial $36,750 $1,815 ‐7.7% ‐3.8% ‐9.5%

Commercial real estate $53,987 $2,441 15.2% 0.1% 11.2%

Unused commi tments $21,048 $677 ‐77.7% ‐73.6% ‐73.7%

Securi tiza tion outs ta nding principal $10,406 $0 ‐12.5% ‐2.8% ‐7.1%

Mortgage‐backed securi ties (GSE and priva te issue) $40,941 $2,563 2.6% ‐4.2% 5.0%

As set‐ba cked securi ties $2,297 $0 ‐90.3% ‐11.6% ‐99.0%

Other securi ties $91,761 $6,512 6.7% 1.2% 8.2%

Ca sh & balances due $19,098 $1,099 59.6% ‐2.5% 1.4%

Residential mortgage origina tions

Closed‐end mortgage originated for sale (quarter) $4,009 $162 11.6% ‐32.9% ‐52.9%

Open‐end HELOC originated for sale (quarter) $0 $0 0.0% 0.0% 0.0%

Closed‐end mortgage originations sold (quarter) $5,548 $230 12.5% ‐20.7% ‐43.9%

Open‐end HELOC originations sold (quarter) $0 $0 0.0% 0.0% 0.0%

Liabilities $315,852 $15,098 11.2% 0.3% 4.7%

Depos i ts $249,413 $12,792 14.4% 0.2% 7.1%

Total other borrowi ngs $35,659 $767 ‐0.3% 0.2% ‐12.2%

Equity

Equi ty ca pi tal a t qua rter end $35,253 $1,467 18.9% 2.2% 12.6%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ra tio 7.2% 8.1% 7.9% 8.2% 7.9%

Tier 1 ri sk based capi tal ra ti o 9.5% 12.1% 10.6% 11.5% 11.0%

Total ri s k based ca pi tal ra tio 11.8% 14.8% 12.4% 14.2% 12.7%

Return on equi ty2 3.0% 3.2% 10.2% 9.9% 2.8%

Return on a s sets 2 0.3% 0.3% 0.9% 0.9% 0.3%

Net interes t ma rgin2 1.1% 1.1% 3.4% 4.0% 1.0%

Coverage ra tio {(ALLL+Alloc trans fer ri sk)/Noncurrent loans )} 57.1% 81.4% 197.5% 84.2% 105.4%

Los s provi sion to net cha rge‐offs (qtr) 84.1% 118.5% 158.5% 141.4% 155.7%

Net cha rge‐offs to average loans and leases 2 0.5% 0.4% 0.3% 1.2% 0.2%

2. Quarterly, annualized.

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 14.4% 11.0% 3.0% 8.6% 5.6%

Closed‐end 1‐4 family residential 3.3% 2.4% 1.0% 1.8% 0.9%

Home equity 0.4% 0.5% 0.2% 0.6% 0.3%

Credit card 3.7% 1.7% 1.3% 1.8% 2.1%

Other consumer 0.7% 0.7% 0.3% 0.7% 0.6%

Commercial & Industrial 2.3% 1.6% 0.7% 1.8% 1.3%

Commercial real estate 3.7% 1.9% 0.5% 1.5% 0.7%

Total loans 3.6% 3.1% 0.6% 2.2% 1.4%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 1.5% 0.5% 0.2% 2.3% 0.4%

Closed‐end 1‐4 family residential 0.2% 0.1% 0.2% 0.4% 0.1%

Home equity 0.2% 0.1% 0.1% 0.6% 0.1%

Credit card 3.5% 1.5% 3.1% 6.0% 1.4%

Other consumer 0.6% 0.5% 1.0% 2.3% 0.5%

Commercial & Industrial 0.3% 0.3% 0.3% 1.0% 0.2%

Commercial real estate 0.3% 0.0% 0.0% 0.3% 0.0%

Total loans 0.4% 0.3% 0.3% 1.0% 0.1%

Bank Holding Companies Total Assets of Depository Institutions in

Group

% of Total Assets of All Depository

Institutions

14 $351,207 2.4%

Source: Federal Reserve Y‐9C Da ta

Q1 2010

Q1 2010

Institutions in Group

V. Non‐CPP Bank Holding Companies with Assets Between $10 Billion and $100 Billion

Q1 2010 Median % Change

Median Levels

Ra tios Q1 2010

Cha rge‐Offs  (% of Tota l Loan Type )

Noncurrent Loans (% of Total Loan Type )

Selected balance and off‐balance sheet items

25 
$ millions

($Aggregate)

$ millions

(median) Q3 2008 From Previous Quarter From Previous Year

Assets $560,646 $1,588 7.7% 0.3% 3.9%

Loans $349,392 $1,107 ‐0.2% ‐1.4% ‐2.1%

Construction & development $39,281 $117 ‐23.4% ‐4.6% ‐20.2%

Closed‐end 1‐4 family residential $78,164 $179 0.6% ‐1.4% ‐3.8%

Home equity $16,545 $41 12.7% ‐0.4% 4.7%

Credit card $1,428 $0 ‐0.6% ‐4.8% 7.7%

Other consumer $19,908 $28 ‐12.3% ‐4.1% ‐7.9%

Commercial & Industrial $50,257 $150 ‐8.6% ‐2.7% ‐7.3%

Commercial real estate $107,619 $342 11.0% 0.3% 6.7%

Unused commi tments $25,360 $63 ‐71.4% ‐63.1% ‐68.3%

Securi tiza tion outs ta nding principal $9,826 $0 ‐33.1% ‐2.8% ‐16.1%

Mortgage‐backed securi ties (GSE and priva te issue) $67,364 $137 3.9% ‐3.4% ‐3.2%

As set‐ba cked securi ties $462 $0 ‐97.2% ‐2.4% ‐91.4%

Other securi ties $173,945 $466 16.4% 2.3% 10.2%

Ca sh & balances due $45,146 $108 135.8% 9.4% 40.7%

Residential mortgage origina tions

Closed‐end mortgage originated for sale (quarter) $7,312 $8 6.0% ‐31.7% ‐54.9%

Open‐end HELOC originated for sale (quarter) $14 $0 22.3% ‐31.9% 47.9%

Closed‐end mortgage originations sold (quarter) $10,042 $10 7.8% ‐23.9% ‐50.0%

Open‐end HELOC originations sold (quarter) $29 $0 ‐100.0% ‐12.6% ‐100.0%

Liabilities $503,061 $1,482 7.8% 0.1% 3.3%

Deposi ts $425,542 $1,302 13.7% 0.9% 5.7%

Total other borrowi ngs $36,854 $85 ‐23.6% ‐2.2% ‐15.4%

Equity

Equi ty ca pi tal a t qua rter end $56,099 $134 9.3% 1.7% 7.0%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ra tio 9.4% 8.5% 8.7% 8.4% 8.4%

Tier 1 ri sk based capi tal ra ti o 13.5% 11.8% 11.0% 11.2% 11.0%

Total ri s k based ca pi tal ra tio 15.1% 13.6% 12.3% 13.0% 12.3%

Return on equi ty2 2.0% 2.1% 8.7% 7.5% 2.4%

Return on a s sets 2 0.2% 0.2% 0.8% 0.7% 0.2%

Net interes t ma rgin2 1.1% 1.1% 3.4% 4.3% 1.1%

Coverage ra tio {(ALLL+Alloc trans fer ri sk)/Noncurrent loans )} 52.2% 66.6% 112.9% 72.0% 85.4%

Los s provi sion to net cha rge‐offs (qtr) 116.8% 138.7% 160.5% 139.8% 174.8%

Net cha rge‐offs to average loans and leases 2 0.5% 0.2% 0.3% 1.0% 0.1%

2. Quarterly, annualized.

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 14.1% 8.1% 2.3% 7.2% 4.3%

Closed‐end 1‐4 family residential 3.3% 1.6% 0.8% 1.5% 1.1%

Home equity 1.3% 0.5% 0.2% 0.3% 0.3%

Credit card 1.0% 0.3% 0.1% 0.6% 0.4%

Other consumer 0.8% 0.3% 0.2% 0.3% 0.2%

Commercial & Industrial 2.4% 1.4% 0.6% 1.3% 1.0%

Commercial real estate 3.1% 2.1% 0.7% 2.0% 1.0%

Total loans 4.1% 2.4% 1.0% 2.4% 1.7%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 1.1% 0.1% 0.1% 1.7% 0.0%

Closed‐end 1‐4 family residential 0.2% 0.1% 0.1% 0.3% 0.0%

Home equity 0.2% 0.0% 0.0% 0.2% 0.0%

Credit card 5.3% 0.7% 1.8% 3.7% 0.6%

Other consumer 0.4% 0.2% 0.6% 1.1% 0.2%

Commercial & Industrial 0.4% 0.1% 0.2% 1.2% 0.1%

Commercial real estate 0.2% 0.0% 0.0% 0.2% 0.0%

Total loans 0.4% 0.1% 0.2% 0.8% 0.1%

Bank Holding Companies Total Assets of Depository Institutions in

Group

% of Total Assets of All Depository

Institutions

239 $560,646 3.9%

Source: Federal Reserve Y‐9C Da ta

Q1 2010

Q1 2010

Institutions in Group

VI. Non‐CPP Bank Holding Companies with Assets Between $1 Billion and $10 Billion

Q1 2010 Median % Change

Median Levels

Ra tios Q1 2010

Cha rge‐Offs  (% of Tota l Loan Type )

Noncurrent Loans (% of Total Loan Type )

Selected balance and off‐balance sheet items

26 
$ millions

($Aggregate)

$ millions

(median) Q3 2008 From Previous Quarter From Previous Year

Assets $285,636 $625 4.1% 0.3% 1.4%

Loans $192,543 $423 ‐1.6% ‐1.3% ‐2.8%

Construction & development $22,067 $38 ‐26.0% ‐4.6% ‐20.9%

Closed‐end 1‐4 family residential $42,935 $81 0.4% ‐1.1% ‐1.9%

Home equity $8,407 $15 9.2% ‐0.6% 3.3%

Credit card $434 $0 ‐0.9% ‐4.0% 6.2%

Other consumer $7,814 $10 ‐16.3% ‐3.9% ‐9.8%

Commercial & Industrial $24,485 $47 ‐8.0% ‐2.1% ‐7.3%

Commercial real estate $63,141 $137 8.3% 0.0% 3.7%

Unused commi tments $11,565 $21 ‐70.1% ‐60.0% ‐67.5%

Securi tiza tion outs ta nding principal $796 $0 ‐9.9% ‐2.0% ‐7.2%

Mortgage‐backed securi ties (GSE and priva te issue) $21,999 $34 ‐10.2% ‐5.1% ‐13.7%

As set‐ba cked securi ties $100 $0 ‐84.9% ‐4.2% ‐58.0%

Other securi ties $86,927 $167 10.1% 1.2% 7.9%

Ca sh & balances due $18,123 $31 91.9% 8.7% 34.2%

Residential mortgage origina tions

Closed‐end mortgage originated for sale (quarter) $7,544 $0 5.2% ‐35.6% ‐58.2%

Open‐end HELOC originated for sale (quarter) $19 $0 ‐72.5% ‐54.3% 1349.4%

Closed‐end mortgage originations sold (quarter) $3,474 $0 5.5% ‐31.1% ‐53.3%

Open‐end HELOC originations sold (quarter) $13 $0 29.8% ‐28.2% 2341.8%

Liabilities $262,185 $570 4.0% 0.2% 1.1%

Depos i ts $232,872 $514 7.3% 0.6% 3.0%

Total other borrowi ngs $17,583 $30 ‐23.5% ‐1.4% ‐14.5%

Equity

Equi ty ca pi tal a t qua rter end $23,207 $51 4.5% 1.6% 2.9%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ra tio 8.4% 8.5% 8.9% 8.4% 8.4%

Tier 1 ri sk based capi tal ra ti o 11.6% 11.5% 11.3% 11.2% 11.0%

Total ri s k based ca pi tal ra tio 13.1% 12.9% 12.6% 12.6% 12.4%

Return on equi ty2 1.2% 2.1% 7.8% 5.4% 2.2%

Return on a s sets 2 0.1% 0.2% 0.7% 0.3% 0.2%

Net interes t ma rgin2 1.1% 1.1% 3.3% 4.5% 1.1%

Coverage ra tio {(ALLL+Alloc trans fer ri sk)/Noncurrent loans )} 47.2% 64.8% 86.1% 63.0% 67.2%

Los s provi sion to net cha rge‐offs (qtr) 119.7% 133.3% 145.1% 137.7% 134.7%

Net cha rge‐offs to average loans and leases 2 0.3% 0.1% 0.2% 1.2% 0.1%

2. Quarterly, annualized.

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 13.3% 6.2% 1.9% 6.8% 5.2%

Closed‐end 1‐4 family residential 2.8% 1.8% 0.9% 1.9% 1.3%

Home equity 1.1% 0.2% 0.0% 0.2% 0.1%

Credit card 1.3% 0.0% 0.1% 0.1% 0.1%

Other consumer 0.7% 0.3% 0.3% 0.4% 0.3%

Commercial & Industrial 2.4% 1.4% 0.7% 1.2% 0.9%

Commercial real estate 3.1% 2.0% 0.8% 1.9% 1.1%

Total loans 3.9% 2.6% 1.3% 2.5% 1.9%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 0.6% 0.0% 0.1% 1.7% 0.0%

Closed‐end 1‐4 family residential 0.1% 0.0% 0.1% 0.4% 0.0%

Home equity 0.2% 0.0% 0.0% 0.1% 0.0%

Credit card 3.8% 0.4% 1.4% 2.7% 0.4%

Other consumer 0.4% 0.2% 0.6% 1.1% 0.2%

Commercial & Industrial 0.3% 0.1% 0.2% 1.1% 0.1%

Commercial real estate 0.1% 0.0% 0.0% 0.2% 0.0%

Total loans 0.2% 0.1% 0.2% 0.9% 0.1%

Bank Holding Companies Total Assets of Depository Institutions in

Group

% of Total Assets of All Depository

Institutions

445 $285,636 2.0%

Source: Federal Reserve Y‐9C Da ta

Q1 2010

Q1 2010

Institutions in Group

VII. Non‐CPP Bank Holding Companies with Assets Less Than $1 Billion

Q1 2010 Median % Change

Median Levels

Ra tios Q1 2010

Cha rge‐Offs  (% of Tota l Loan Type )

Noncurrent Loans (% of Total Loan Type )

Selected balance and off‐balance sheet items

27 
28 

                                                           

Appendix B: Notes to Y-9C Data Users 

• Data are from the Consolidated Financial Statements for Bank Holding Companies Y-9C 

Report Form. Only top tier holding companies with $500 million or more in consolidated 

assets are required to file Y-9C Reports.18

• Ally Financial Inc. (previously GMAC) is excluded from all groups as GMAC received 

TARP funds under the Automotive Industry Financing Program. 

• Generally, data are not adjusted to reflect subsequent mergers between bank holding 

companies, which can contribute to shifts in reporting populations after the date of the 

merger. The data are only adjusted to reflect the acquisition of Wachovia Corporation 

(acquired by Wells Fargo & Company) and National City Corporation (acquired by PNC 

Financial Services Group) in fourth quarter 2008. 

• Unused commitments include home equity lines, credit card lines, securities 

underwriting, other unused commitments, and unused commitments (unsecured and 

secured by real estate) to fund commercial real estate, construction, and land 

development. 

• Securitization outstanding principal includes the principal balance of assets sold and 

securitized with servicing retained or with recourse or other seller-provided credit 

enhancements. 

• Residential Mortgage Origination data comes from schedule HC-P of the Y-9C, which is 

completed only by bank holding companies with $1,000,000,000 or more in total assets; 

and by bank holding companies with less than $1,000,000,000 in total assets with 1-4 

family mortgage originations and purchases for resale exceeding $10,000,000 two 

quarters in a row. 

• Stock sales and related transactions equals the sale of perpetual preferred and common 

stock net of conversion or retirement of like stock plus sale of treasury stock net of 

purchase adjusted to provide quarterly figures. 

• Weighted average performance ratios and median performance ratios were calculated for 

each group. 

• The ratios ROE, ROA, net interest margin, net charge-offs to average loans are 

annualized. 

18 In some cases, “BHCs meeting certain criteria may be required to file this report, regardless of size. However, 

when such BHCs own or control, or are owned or controlled by, other BHCs, only top-tier holding companies must 

file this report for the consolidated holding company organization.” See The Federal Reserve Board’s “Reporting 

Forms” page for more detailed information (http://federalreserve.gov/reportforms/default.cfm). 
29 

• Coverage ratio equals the allowance for loan and lease losses as a percentage of 

nonaccrual loans or loans past due 90 or more days and still accruing. 

• Gross charge-off rates use average of period end assets for denominator and are adjusted 

to provide quarterly figures. 

Source: Treasury Analysis of Y-9C Data