1

Quarterly Analysis of Institutions in the Capital Purchase Program

Fourth Quarter 2010

Introduction

From 2008 through 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 better understand 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 fourth quarter 2010 data as aggregate and median levels and present median 

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

(the previous year), and third quarter 2010 (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, prior to first 

quarter 2010, 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 fourth 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 report6

 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 third quarter 2010. 

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

6

Since the 3Q 2010 report, Pierce Commercial Bank has been placed in receivership, Central Jersey Bancorp and 

LSB Corporation were acquired by institutions that do not file call report data. The Bank of Currituck and The 

Tifton Banking Company were acquired by other CPP participants. Belvedere Capital Partners closed, splitting up 

CPP institutions.
3

• 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.

Three groups of entities not receiving CPP funds have been created for this report7:

• 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 solely from 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. 

 7 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.
4

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 $7,657,191 62%

Group II CPP Participants with assets 

between $10 and $100 billion

35 3 $1,188,617 10%

Group III CPP Participants with assets 

between $1 and $10 billion

165 19 $499,054 4%

Group IV CPP Participants with assets under 

$1 billion

348 112 $168,277 1%

Group V Non-CPP Participants with assets 

between $10 and $100 billion

13 16 $730,641 6%

Group VI Non-CPP Participants with assets 

between $1 and $10 billion

229 115 $850,019 7%

Group VII Non-CPP Participants with assets 

under $1 billion

3,986 1,831 $1,170,120 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).

Summary of Findings

Note: All changes refer to the median change between third quarter 2008 and fourth 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 9.65% growth in total assets and Non-CPP institutions had 9.24% growth in total assets.

Loan Growth8

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

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

1.23% while Non-CPP institutions grew at 2.06%.

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

consumer loans and credit card loans, largely due to accounting changes implemented in the first 

quarter of 2010 (the implementation of FAS 166 and 1679

). For institutions with between $10 

and $100 billion in assets, there was growth for CPP institutions in home equity loans and 

commercial real estate loans while non-CPP institutions 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). Non-CPP institutions also saw growth in 

credit card loans. 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 NonCPP). Non- CPP institutions with under $1 billion in assets also had growth in credit card loans.

Closed-end and Open-end Mortgage Originations10

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

increased. 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

Most groups experienced growth in mortgage-backed securities (MBS) with the exception of 

Non-CPP institutions with assets under $1 billion. Asset-backed securities (ABS) had negative 

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

Other Asset Growth

Unused commitments decreased in all groups. The outstanding principal balance of assets sold 

and securitized with servicing retained decreased in all groups. Cash and balances due rose in all 

groups except institutions with assets over $100 billion.

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 Non-CPP institutions with assets between $10 and $100 

billion (18.5%) and the smallest growth was in CPP institutions with over $100 billion in assets 

(5.5%).

Total other borrowings11

 9 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 (

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

http://www2.fdic.gov/qbp/2010mar/qbp.pdf). 

10 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

institutions with over $100 billion in assets (-57.7%). The largest decrease in FHLB advances 

was also in CPP institutions with over $100 billion in assets (-70.1%).

Equity Capital

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

Performance Ratios12

Capital Ratios

In fourth 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. Groups experienced growth in these capital ratios with the exception of NonCPP institutions with assets under $1 billion in assets in median tier one leverage ratio. 

Earnings Ratios

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

all groups in fourth quarter 2010. CPP and Non-CPP institutions with less than $1 billion in 

assets had decreases in most of their earnings rations; CPP institutions did report and increase in 

net interest margin, however.

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 $10 and $100 billion in assets. In fourth quarter 2010, Non-CPP 

institutions with assets under $1 billion had the highest median coverage ratio (81.0%), while 

CPP institutions with assets between $1 billion and $10 billion in assets had the lowest median 

coverage ratio (57.9%). 

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 

the highest median ratio of loss provisions to net charge-offs in fourth quarter 2010 (107.0%), 

while CPP institutions with over $100 billion in assets had the lowest median ratio (64.7%). 

The median ratio of net charge-offs to average loans and leases was higher in all group except 

for Non-CPP institutions with assets between $10 and $100 billion. In fourth quarter 2010, CPP 

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

 11 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.

12 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

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) were 

higher in all groups and loan categories in fourth quarter 2010.

Asset Quality: Gross Charge-offs

With few exceptions, gross charge-offs as a percentage of loans (within loan category) increased 

in all groups and loan categories in fourth quarter 2010.
8

$ millions 

(aggregate)

$ millions 

(median) Q3 2008 From Previous Quarter From Previous Year

Assets $7,657,191 $199,104 -8.15% -0.41% 1.16%

Loans $3,941,692 $128,730 -9.48% 0.45% 1.05%

Construction & development $105,557 $4,924 -47.92% -10.17% -28.02%

Closed-end 1-4 family residential $1,025,462 $29,845 -5.59% 3.00% 1.93%

Home equity $423,727 $15,040 -4.34% -2.03% -5.65%

Credit card 2 $519,670 $3,474 50.46% 1.69% 33.19%

Other consumer $325,443 $15,843 2.15% 0.48% 7.34%

Commercial & Industrial $651,492 $25,070 -24.33% 1.61% -0.99%

Commercial real estate $278,447 $19,315 -3.39% -0.65% -3.72%

Unused commitments $3,779,200 $98,187 -22.71% -0.59% -5.38%

Securitization outstanding principal $901,736 $934 -60.20% -4.24% -54.23%

Mortgage-backed securities (GSE and private issue) $830,683 $33,789 29.78% -0.23% -2.87%

Asset-backed securities $93,885 $4,180 10.12% -8.90% -5.20%

Other securities $501,238 $10,561 83.59% -3.94% -5.76%

Cash & balances due $549,356 $14,527 -8.69% 4.06% -13.34%

Residential mortgage originations 

Closed-end mortgage originated for sale (quarter) $384,353 $6,259 60.85% 19.16% 37.05%

Open-end HELOC originated for sale (quarter) $6,351 $0 82.01% 10.45% 5.72%

Closed-end mortgage originations sold (quarter) $377,285 $6,077 34.63% 25.15% 33.76%

Open-end HELOC originations sold (quarter) $5,170 $0 -100.00% -37.35% -18.75%

Liabilities $6,809,283 $176,186 -8.55% -0.29% -0.17%

Deposits $5,148,356 $150,195 5.50% 2.17% 2.60%

Total other borrowings $1,050,926 $22,497 -57.72% -6.69% -8.52%

FHLB advances $137,349 $6,043 -70.10% -4.84% -39.15%

Equity

Equity capital at quarter end $827,302 $29,867 7.11% -0.17% 5.53%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ratio 8.08% 8.46% 7.14% 8.40% 8.19%

Tier 1 risk based capital ratio 11.51% 11.81% 8.89% 11.39% 10.98%

Total risk based capital ratio 14.56% 14.98% 11.70% 14.75% 14.43%

Return on equity3 8.37% 7.66% 5.56% 7.88% 4.60%

Return on assets 3 0.91% 0.93% 0.74% 0.89% 0.49%

Net interest margin3 3.78% 3.90% 3.46% 4.05% 3.74%

Coverage ratio {(ALLL+Alloc transfer risk)/Noncurrent loans)} 67.90% 67.93% 75.66% 65.30% 54.23%

Loss provision to net charge-offs (qtr) 71.11% 64.66% 146.08% 75.12% 120.82%

Net charge-offs to average loans and leases 3 2.70% 2.06% 1.60% 2.81% 2.74%

3. Quarterly, annualized. 

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 17.30% 17.14% 7.41% 16.79% 17.15%

Closed-end 1-4 family residential 13.70% 9.33% 4.97% 9.55% 10.97%

Home equity 2.23% 1.84% 1.26% 1.81% 1.59%

Credit card 2.28% 2.39% 2.28% 2.55% 3.47%

Other consumer 1.84% 1.49% 0.63% 1.44% 1.30%

Commercial & Industrial 2.68% 1.77% 0.88% 2.09% 2.90%

Commercial real estate 5.37% 3.99% 1.08% 4.23% 3.57%

Total loans 5.79% 4.50% 2.37% 4.77% 4.92%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 1.44% 1.17% 0.64% 1.19% 1.87%

Closed-end 1-4 family residential 0.56% 0.41% 0.39% 0.45% 0.46%

Home equity 0.72% 0.62% 0.49% 0.64% 0.77%

Credit card 2.22% 2.14% 1.50% 2.43% 2.83%

Other consumer 0.75% 0.41% 0.42% 0.36% 0.54%

Commercial & Industrial 0.44% 0.37% 0.20% 0.44% 0.51%

Commercial real estate 0.45% 0.39% 0.04% 0.44% 0.38%

Total loans 0.76% 0.56% 0.44% 0.76% 0.73%

Bank Holding Companies Independent Depository 

Institutions

Total Assets of Depository 

Institutions in Group

% of Total Assets of All 

Depository Institutions

13 0 7,657,191 62.9%

Source: Call and Thrift Financial Report Data

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. 

Q4 2010

Q4 2010

Institutions in Group

Median % Change

Q4 2010

Q4 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 $1,188,617 $18,232 -2.00% -1.06% -1.87%

Loans $691,661 $11,500 -11.87% -0.49% -4.20%

Construction & development $40,933 $648 -53.61% -10.95% -34.86%

Closed-end 1-4 family residential $109,194 $2,099 -7.57% -0.87% -2.48%

Home equity $48,830 $553 7.45% -1.08% -2.05%

Credit card $75,698 $0 -4.66% 4.10% -3.02%

Other consumer $45,397 $276 -20.75% -2.81% -9.57%

Commercial & Industrial $157,840 $2,571 -15.61% 0.73% -6.97%

Commercial real estate $140,173 $2,667 1.49% -1.25% -3.81%

Unused commitments $671,504 $3,742 -20.89% 1.66% -2.76%

Securitization outstanding principal $54,517 $0 -45.90% -2.60% -21.72%

Mortgage-backed securities (GSE and private issue) $129,533 $2,365 13.74% 7.32% 8.08%

Asset-backed securities $5,238 $0 -59.92% -2.28% -8.93%

Other securities $76,802 $903 24.93% -3.00% 5.66%

Cash & balances due $133,649 $961 45.35% -11.53% -15.95%

Residential mortgage originations 

Closed-end mortgage originated for sale (quarter) $9,725 $153 162.78% 20.29% 36.55%

Open-end HELOC originated for sale (quarter) $11 $0 -58.60% 5.40% -20.09%

Closed-end mortgage originations sold (quarter) $9,734 $123 138.32% 30.69% 39.94%

Open-end HELOC originations sold (quarter) $12 $0 -20.19% -54.04% -20.18%

Liabilities $1,044,687 $16,398 -4.41% -1.24% -3.38%

Deposits $843,443 $13,470 9.21% -0.24% 0.15%

Total other borrowings $134,759 $2,329 -44.72% -3.62% -19.54%

FHLB advances $29,207 $554 -58.32% -0.53% -24.84%

Equity

Equity capital at quarter end $142,056 $2,057 17.84% 0.23% 8.31%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ratio 10.66% 9.08% 7.74% 8.92% 8.40%

Tier 1 risk based capital ratio 13.21% 12.54% 9.36% 12.18% 10.47%

Total risk based capital ratio 16.17% 14.94% 11.40% 14.50% 13.01%

Return on equity2 4.62% 6.44% 2.00% 6.54% -0.89%

Return on assets 2 0.55% 0.71% 0.19% 0.69% -0.09%

Net interest margin2 3.43% 3.54% 3.35% 3.51% 3.34%

Coverage ratio {(ALLL+Alloc transfer risk)/Noncurrent loans)} 75.06% 77.69% 79.47% 66.98% 60.26%

Loss provision to net charge-offs (qtr) 60.57% 90.70% 180.97% 96.79% 125.89%

Net charge-offs to average loans and leases 2 2.97% 1.47% 0.83% 1.37% 2.48%

2. Quarterly, annualized. 

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 16.76% 12.97% 5.87% 15.23% 15.15%

Closed-end 1-4 family residential 6.37% 3.77% 1.26% 3.86% 3.55%

Home equity 1.00% 1.01% 0.66% 0.97% 0.97%

Credit card 2.24% 0.62% 1.04% 1.11% 1.58%

Other consumer 1.32% 0.76% 0.49% 0.77% 0.94%

Commercial & Industrial 1.99% 1.73% 0.77% 1.91% 2.19%

Commercial real estate 3.94% 3.02% 0.97% 3.21% 2.93%

Total loans 3.95% 2.88% 1.86% 3.14% 4.26%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 3.43% 1.56% 0.60% 1.41% 1.77%

Closed-end 1-4 family residential 0.60% 0.23% 0.05% 0.21% 0.26%

Home equity 0.39% 0.27% 0.07% 0.21% 0.19%

Credit card 1.64% 1.25% 0.93% 0.97% 1.90%

Other consumer 0.48% 0.40% 0.26% 0.33% 0.48%

Commercial & Industrial 0.57% 0.34% 0.15% 0.37% 0.52%

Commercial real estate 0.57% 0.26% 0.05% 0.31% 0.28%

Total loans 0.83% 0.41% 0.23% 0.37% 0.63%

Bank Holding Companies Independent Depository 

Institutions

Total Assets of Depository 

Institutions in Group

% of Total Assets of All 

Depository Institutions

35 3 1,188,617 9.8%

Source: Call and Thrift Financial Report Data

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

Q4 2010 Median % Change

Median Levels

Ratios Q4 2010

Selected balance and off-balance sheet items

Charge-Offs (% of Total Loan Type)

Noncurrent Loans (% of Total Loan Type) Q4 2010

Q4 2010

Institutions in Group
10

$ millions 

(aggregate)

$ millions 

(median) Q3 2008 From Previous Quarter From Previous Year

Assets $499,054 $2,032 0.59% -1.23% -2.83%

Loans $339,559 $1,339 -8.91% -2.02% -6.29%

Construction & development $33,377 $122 -45.09% -7.70% -26.64%

Closed-end 1-4 family residential $67,464 $256 -7.57% -2.51% -5.39%

Home equity $20,161 $64 2.47% -1.31% -2.38%

Credit card $348 $0 -11.83% 3.40% -4.83%

Other consumer $15,962 $29 -29.70% -4.12% -17.18%

Commercial & Industrial $52,747 $159 -17.65% -2.03% -7.92%

Commercial real estate $116,906 $462 5.68% -0.81% -0.92%

Unused commitments $64,701 $208 -26.95% -1.92% -7.06%

Securitization outstanding principal $224 $0 -47.91% -1.97% -11.45%

Mortgage-backed securities (GSE and private issue) $56,981 $178 32.41% 1.26% 7.75%

Asset-backed securities $80 $0 -100.00% -0.34% -25.00%

Other securities $34,818 $142 27.08% 0.08% 1.27%

Cash & balances due $28,792 $88 83.37% -10.04% -4.91%

Residential mortgage originations 

Closed-end mortgage originated for sale (quarter) $23,031 $28 155.35% 14.06% 52.22%

Open-end HELOC originated for sale (quarter) $8 $0 -69.35% 85.86% 5.10%

Closed-end mortgage originations sold (quarter) $23,642 $28 168.11% 29.20% 59.15%

Open-end HELOC originations sold (quarter) $11 $0 0.00% 0.00% 0.00%

Liabilities $447,036 $1,823 1.09% -1.04% -2.76%

Deposits $401,238 $1,673 8.10% -0.69% -0.93%

Total other borrowings $40,339 $144 -44.48% -3.81% -18.87%

FHLB advances $18,678 $68 -53.25% -0.60% -25.06%

Equity

Equity capital at quarter end $51,693 $189 10.56% -1.35% 2.27%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ratio 8.94% 8.92% 8.21% 8.81% 8.54%

Tier 1 risk based capital ratio 12.64% 12.05% 9.87% 11.81% 11.15%

Total risk based capital ratio 14.02% 13.47% 11.06% 13.14% 12.41%

Return on equity2 -3.01% 4.88% 4.67% 4.72% 0.04%

Return on assets 2 -0.31% 0.49% 0.47% 0.53% 0.00%

Net interest margin2 3.83% 3.80% 3.65% 3.83% 3.61%

Coverage ratio {(ALLL+Alloc transfer risk)/Noncurrent loans)} 51.28% 57.89% 77.53% 54.62% 59.50%

Loss provision to net charge-offs (qtr) 100.34% 102.51% 148.68% 105.31% 123.08%

Net charge-offs to average loans and leases 2 2.25% 1.37% 0.53% 1.38% 1.61%

2. Quarterly, annualized. 

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 17.22% 11.77% 4.51% 12.72% 10.84%

Closed-end 1-4 family residential 4.00% 3.01% 1.28% 3.10% 2.90%

Home equity 1.73% 0.99% 0.36% 0.85% 0.65%

Credit card 1.09% 0.00% 0.00% 0.00% 0.00%

Other consumer 1.83% 0.56% 0.42% 0.54% 0.59%

Commercial & Industrial 2.55% 2.09% 0.93% 1.89% 2.06%

Commercial real estate 4.18% 2.87% 0.80% 3.08% 2.50%

Total loans 4.83% 3.63% 1.74% 3.66% 3.54%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 1.92% 1.06% 0.15% 0.89% 0.97%

Closed-end 1-4 family residential 0.34% 0.25% 0.05% 0.18% 0.24%

Home equity 0.33% 0.16% 0.01% 0.10% 0.15%

Credit card 1.38% 0.37% 0.30% 0.31% 0.96%

Other consumer 0.35% 0.38% 0.32% 0.33% 0.41%

Commercial & Industrial 0.58% 0.37% 0.19% 0.30% 0.57%

Commercial real estate 0.50% 0.18% 0.00% 0.14% 0.12%

Total loans 0.61% 0.40% 0.15% 0.38% 0.44%

Bank Holding Companies Independent Depository 

Institutions

Total Assets of Depository 

Institutions in Group

% of Total Assets of All 

Depository Institutions

165 19 499,054 4.1%

Source: Call and Thrift Financial Report Data

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

Q4 2010 Median % Change

Median Levels

Ratios Q4 2010

Selected balance and off-balance sheet items

Charge-Offs (% of Total Loan Type)

Noncurrent Loans (% of Total Loan Type) Q4 2010

Q4 2010

Institutions in Group
11

$ millions 

(aggregate)

$ millions 

(median) Q3 2008 From Previous Quarter From Previous Year

Assets $168,277 $294 9.65% -0.74% 0.27%

Loans $118,379 $206 1.23% -1.65% -3.12%

Construction & development $12,095 $16 -36.61% -5.54% -21.14%

Closed-end 1-4 family residential $24,443 $35 10.21% -1.41% -0.78%

Home equity $6,761 $8 13.30% -1.15% -1.48%

Credit card $85 $0 -1.13% 2.94% 0.23%

Other consumer $3,351 $3 -21.98% -3.14% -11.70%

Commercial & Industrial $17,747 $26 -8.15% -1.50% -6.77%

Commercial real estate $42,818 $71 14.74% -0.53% 1.52%

Unused commitments $17,249 $27 -22.21% -3.68% -6.92%

Securitization outstanding principal $27 $0 -60.52% -3.82% -7.27%

Mortgage-backed securities (GSE and private issue) $14,091 $14 7.51% -3.34% -4.74%

Asset-backed securities $26 $0 -100.00% -3.48% -28.60%

Other securities $12,691 $17 15.00% 0.00% 2.07%

Cash & balances due $11,153 $15 100.32% -8.29% 8.61%

Residential mortgage originations 

Closed-end mortgage originated for sale (quarter) $5,651 $0 142.77% 8.21% 56.19%

Open-end HELOC originated for sale (quarter) $2 $0 -100.00% 0.00% 75.14%

Closed-end mortgage originations sold (quarter) $5,818 $0 153.36% 19.40% 69.79%

Open-end HELOC originations sold (quarter) $0 $0 -100.00% 0.00% 0.00%

Liabilities $152,074 $266 9.12% -0.63% 0.31%

Deposits $138,235 $243 15.08% -0.26% 2.25%

Total other borrowings $12,631 $15 -32.44% -0.78% -16.67%

FHLB advances $8,460 $10 -33.33% 0.00% -15.63%

Equity

Equity capital at quarter end $16,165 $27 18.35% -1.68% 1.99%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ratio 9.03% 9.00% 8.84% 9.02% 9.03%

Tier 1 risk based capital ratio 12.35% 12.23% 10.78% 12.20% 11.79%

Total risk based capital ratio 13.65% 13.56% 12.00% 13.51% 13.04%

Return on equity2 -6.96% 1.81% 3.26% 3.65% -0.22%

Return on assets 2 -0.68% 0.19% 0.33% 0.35% -0.02%

Net interest margin2 3.83% 3.85% 3.70% 3.85% 3.73%

Coverage ratio {(ALLL+Alloc transfer risk)/Noncurrent loans)} 54.45% 64.07% 92.68% 61.60% 64.42%

Loss provision to net charge-offs (qtr) 115.95% 107.19% 147.54% 115.21% 134.23%

Net charge-offs to average loans and leases 2 1.83% 1.01% 0.16% 0.64% 1.08%

2. Quarterly, annualized. 

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 12.54% 6.41% 1.55% 6.24% 5.66%

Closed-end 1-4 family residential 3.63% 2.18% 0.50% 2.04% 1.72%

Home equity 1.36% 0.14% 0.00% 0.14% 0.00%

Credit card 0.90% 0.00% 0.00% 0.00% 0.00%

Other consumer 1.00% 0.14% 0.09% 0.14% 0.16%

Commercial & Industrial 2.83% 1.38% 0.39% 1.26% 1.09%

Commercial real estate 3.47% 1.92% 0.22% 1.97% 1.29%

Total loans 4.06% 3.01% 1.14% 3.05% 2.52%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 1.43% 0.12% 0.00% 0.00% 0.11%

Closed-end 1-4 family residential 0.30% 0.08% 0.00% 0.06% 0.04%

Home equity 0.38% 0.00% 0.00% 0.00% 0.00%

Credit card 1.11% 0.48% 0.15% 0.17% 0.60%

Other consumer 0.70% 0.10% 0.07% 0.07% 0.15%

Commercial & Industrial 0.65% 0.14% 0.00% 0.09% 0.24%

Commercial real estate 0.29% 0.01% 0.00% 0.00% 0.00%

Total loans 0.48% 0.27% 0.05% 0.19% 0.29%

Bank Holding Companies Independent Depository 

Institutions

Total Assets of Depository 

Institutions in Group

% of Total Assets of All 

Depository Institutions

348 112 168,277 1.4%

Source: Call and Thrift Financial Report Data

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

Q4 2010 Median % Change

Median Levels

Ratios Q4 2010

Selected balance and off-balance sheet items

Charge-Offs (% of Total Loan Type)

Noncurrent Loans (% of Total Loan Type) Q4 2010

Q4 2010

Institutions in Group
12

$ millions 

(aggregate)

$ millions 

(median) Q3 2008 From Previous Quarter From Previous Year

Assets $730,641 $18,048 9.57% 0.08% 2.39%

Loans $420,081 $11,294 -5.99% 0.07% 1.42%

Construction & development $10,204 $129 -47.86% -4.65% -30.31%

Closed-end 1-4 family residential $170,695 $2,679 -4.74% -2.32% -3.65%

Home equity $32,673 $408 -2.04% -1.79% -5.73%

Credit card $53,463 $0 23.92% 3.84% 8.79%

Other consumer $40,153 $176 -35.82% -3.85% -25.33%

Commercial & Industrial $32,251 $600 -18.93% -0.86% -8.01%

Commercial real estate $43,081 $1,105 -0.83% 0.44% 1.03%

Unused commitments $391,806 $2,313 -24.07% -1.70% -3.71%

Securitization outstanding principal $1,473 $0 -100.00% -1.98% -100.00%

Mortgage-backed securities (GSE and private issue) $145,212 $2,286 39.29% -1.01% 6.44%

Asset-backed securities $3,303 $0 -49.27% -12.39% -49.88%

Other securities $31,990 $1,456 62.93% 7.75% 12.89%

Cash & balances due $31,858 $643 40.47% -6.64% 3.02%

Residential mortgage originations 

Closed-end mortgage originated for sale (quarter) $13,583 $262 141.19% 15.93% 44.38%

Open-end HELOC originated for sale (quarter) $514 $0 0.00% 82.20% 0.00%

Closed-end mortgage originations sold (quarter) $13,576 $261 155.01% 31.54% 54.11%

Open-end HELOC originations sold (quarter) $159 $0 0.00% 39.67% 0.00%

Liabilities $651,426 $16,487 7.76% 0.17% 1.68%

Deposits $531,124 $13,751 18.53% 1.48% 3.27%

Total other borrowings $108,563 $1,512 -38.61% -0.51% -8.52%

FHLB advances $14,517 $105 -55.12% -8.92% -33.44%

Equity

Equity capital at quarter end $79,119 $1,860 19.31% 0.59% 11.24%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ratio 9.61% 8.82% 7.66% 8.58% 8.38%

Tier 1 risk based capital ratio 16.62% 14.21% 10.91% 13.76% 12.23%

Total risk based capital ratio 17.82% 15.02% 11.98% 15.19% 13.70%

Return on equity2 9.21% 9.60% 5.50% 9.58% 7.03%

Return on assets 2 1.00% 0.92% 0.49% 1.01% 0.75%

Net interest margin2 3.57% 3.72% 3.35% 3.70% 3.41%

Coverage ratio {(ALLL+Alloc transfer risk)/Noncurrent loans)} 43.72% 58.62% 109.42% 56.77% 68.36%

Loss provision to net charge-offs (qtr) 95.30% 100.00% 206.42% 100.00% 125.63%

Net charge-offs to average loans and leases 2 1.35% 0.55% 0.65% 0.87% 1.33%

2. Quarterly, annualized. 

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 15.18% 10.58% 3.99% 12.81% 9.58%

Closed-end 1-4 family residential 6.69% 2.85% 1.05% 2.80% 2.40%

Home equity 1.06% 0.46% 0.30% 0.58% 0.80%

Credit card 1.52% 1.61% 1.15% 1.46% 1.76%

Other consumer 0.19% 0.40% 0.28% 0.48% 0.67%

Commercial & Industrial 1.48% 0.97% 0.31% 1.00% 0.98%

Commercial real estate 3.60% 2.54% 0.11% 2.25% 1.54%

Total loans 4.01% 2.52% 1.06% 2.64% 2.36%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 0.64% 0.06% 0.03% 0.23% 0.41%

Closed-end 1-4 family residential 0.21% 0.10% 0.04% 0.10% 0.09%

Home equity 0.56% 0.16% 0.05% 0.15% 0.15%

Credit card 1.39% 1.31% 0.96% 1.56% 1.51%

Other consumer 0.30% 0.38% 0.23% 0.36% 0.45%

Commercial & Industrial 0.24% 0.14% 0.12% 0.12% 0.23%

Commercial real estate 0.14% 0.05% 0.00% 0.04% 0.04%

Total loans 0.39% 0.19% 0.18% 0.26% 0.35%

Bank Holding Companies Independent Depository 

Institutions

Total Assets of Depository 

Institutions in Group

% of Total Assets of All 

Depository Institutions

13 16 730,641 6.0%

Source: Call and Thrift Financial Report Data

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

Q4 2010 Median % Change

Median Levels

Ratios Q4 2010

Selected balance and off-balance sheet items

Charge-Offs (% of Total Loan Type)

Noncurrent Loans (% of Total Loan Type) Q4 2010

Q4 2010

Institutions in Group
13

$ millions 

(aggregate)

$ millions 

(median) Q3 2008 From Previous Quarter From Previous Year

Assets $850,019 $1,664 6.97% -0.07% 1.54%

Loans $521,945 $1,073 -1.16% -0.92% -1.54%

Construction & development $38,102 $69 -40.02% -5.56% -22.96%

Closed-end 1-4 family residential $143,595 $229 -4.93% -1.83% -3.06%

Home equity $24,346 $41 13.03% -0.87% 0.00%

Credit card $12,191 $0 1.67% 2.80% -0.80%

Other consumer $33,025 $15 -22.74% -3.30% -12.56%

Commercial & Industrial $67,621 $109 -7.92% -0.35% -4.68%

Commercial real estate $146,446 $315 11.02% -0.31% 1.02%

Unused commitments $180,724 $187 -14.94% -1.30% -1.87%

Securitization outstanding principal $2,218 $0 -74.90% -1.68% -34.55%

Mortgage-backed securities (GSE and private issue) $112,802 $165 9.69% 0.06% -0.33%

Asset-backed securities $1,498 $0 -100.00% -1.66% -33.42%

Other securities $74,180 $170 25.76% 0.87% 11.65%

Cash & balances due $66,546 $97 108.62% -2.30% 4.61%

Residential mortgage originations 

Closed-end mortgage originated for sale (quarter) $13,727 $13 144.23% 15.44% 55.22%

Open-end HELOC originated for sale (quarter) $30 $0 42.64% -45.85% -64.58%

Closed-end mortgage originations sold (quarter) $14,064 $13 147.81% 28.99% 61.92%

Open-end HELOC originations sold (quarter) $1 $0 140.76% -48.87% -82.29%

Liabilities $755,938 $1,497 6.60% -0.08% 1.31%

Deposits $654,163 $1,317 13.98% 0.29% 2.69%

Total other borrowings $91,454 $123 -29.08% -1.47% -14.75%

FHLB advances $35,395 $62 -38.29% -0.84% -17.68%

Equity

Equity capital at quarter end $93,796 $172 12.00% -0.51% 5.04%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ratio 10.02% 9.04% 8.89% 9.06% 8.71%

Tier 1 risk based capital ratio 15.19% 13.12% 11.56% 12.93% 12.09%

Total risk based capital ratio 16.41% 14.37% 12.69% 14.20% 13.24%

Return on equity2 3.26% 6.57% 5.89% 7.19% 5.18%

Return on assets 2 0.36% 0.71% 0.62% 0.77% 0.53%

Net interest margin2 3.71% 3.55% 3.57% 3.57% 3.52%

Coverage ratio {(ALLL+Alloc transfer risk)/Noncurrent loans)} 49.46% 71.40% 100.10% 66.43% 68.64%

Loss provision to net charge-offs (qtr) 110.97% 107.00% 150.84% 112.46% 126.49%

Net charge-offs to average loans and leases 2 1.47% 0.75% 0.28% 0.57% 0.86%

2. Quarterly, annualized. 

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 15.42% 7.54% 2.72% 7.57% 7.34%

Closed-end 1-4 family residential 3.66% 1.78% 0.81% 1.77% 1.58%

Home equity 1.24% 0.49% 0.24% 0.50% 0.39%

Credit card 2.07% 0.28% 0.17% 0.26% 0.47%

Other consumer 0.54% 0.33% 0.22% 0.29% 0.31%

Commercial & Industrial 2.47% 1.38% 0.57% 1.41% 1.21%

Commercial real estate 4.07% 2.08% 0.72% 2.16% 1.90%

Total loans 3.99% 2.31% 1.03% 2.40% 2.29%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 1.41% 0.21% 0.00% 0.10% 0.35%

Closed-end 1-4 family residential 0.20% 0.09% 0.01% 0.07% 0.08%

Home equity 0.30% 0.00% 0.00% 0.00% 0.02%

Credit card 1.82% 0.54% 0.55% 0.52% 0.88%

Other consumer 0.43% 0.21% 0.19% 0.18% 0.27%

Commercial & Industrial 0.42% 0.19% 0.05% 0.12% 0.29%

Commercial real estate 0.28% 0.04% 0.00% 0.02% 0.03%

Total loans 0.40% 0.20% 0.08% 0.17% 0.23%

Bank Holding Companies Independent Depository 

Institutions

Total Assets of Depository 

Institutions in Group

% of Total Assets of All 

Depository Institutions

229 115 850,019 7.0%

Source: Call and Thrift Financial Report Data

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

Q4 2010 Median % Change

Median Levels

Ratios Q4 2010

Selected balance and off-balance sheet items

Charge-Offs (% of Total Loan Type)

Noncurrent Loans (% of Total Loan Type) Q4 2010

Q4 2010

Institutions in Group
14

$ millions 

(aggregate)

$ millions 

(median) Q3 2008 From Previous Quarter From Previous Year

Assets $1,170,120 $134 9.24% 0.33% 2.44%

Loans $758,010 $83 2.06% -0.86% -0.81%

Construction & development $58,312 $3 -30.50% -2.79% -16.14%

Closed-end 1-4 family residential $220,296 $20 4.15% -1.19% -0.95%

Home equity $28,886 $1 9.25% -0.95% -0.81%

Credit card $2,183 $0 1.79% 3.41% 0.00%

Other consumer $35,105 $3 -11.25% -2.85% -6.86%

Commercial & Industrial $92,362 $8 -4.40% -0.99% -2.57%

Commercial real estate $216,024 $18 10.25% -0.59% 0.27%

Unused commitments $164,803 $8 -11.18% -1.90% -2.11%

Securitization outstanding principal $1,869 $0 -14.16% 0.00% -0.06%

Mortgage-backed securities (GSE and private issue) $93,318 $4 -13.88% -3.88% -10.69%

Asset-backed securities $508 $0 -99.97% -4.73% -24.04%

Other securities $139,770 $14 13.65% 1.43% 7.48%

Cash & balances due $92,078 $8 84.27% -0.94% 9.70%

Residential mortgage originations 

Closed-end mortgage originated for sale (quarter) $23,659 $0 147.30% 16.06% 62.23%

Open-end HELOC originated for sale (quarter) $6 $0 -99.76% -60.94% -99.97%

Closed-end mortgage originations sold (quarter) $24,437 $0 139.35% 25.14% 68.16%

Open-end HELOC originations sold (quarter) $2 $0 -100.00% -59.41% -93.85%

Liabilities $1,049,758 $120 9.55% 0.70% 2.38%

Deposits $974,801 $113 12.73% 0.97% 3.56%

Total other borrowings $66,605 $3 -35.74% -0.50% -15.59%

FHLB advances $39,981 $1 -35.90% -0.04% -16.78%

Equity

Equity capital at quarter end $120,297 $14 7.48% -1.75% 2.75%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ratio 9.88% 9.56% 10.09% 9.68% 9.57%

Tier 1 risk based capital ratio 14.69% 14.48% 14.35% 14.38% 13.90%

Total risk based capital ratio 15.88% 15.64% 15.38% 15.53% 15.04%

Return on equity2 0.07% 5.16% 6.98% 6.63% 3.90%

Return on assets 2 0.01% 0.56% 0.76% 0.73% 0.42%

Net interest margin2 3.82% 3.85% 3.90% 3.88% 3.85%

Coverage ratio {(ALLL+Alloc transfer risk)/Noncurrent loans)} 54.41% 80.99% 100.44% 76.00% 74.89%

Loss provision to net charge-offs (qtr) 115.62% 95.63% 96.09% 94.39% 109.13%

Net charge-offs to average loans and leases 2 1.30% 0.31% 0.07% 0.21% 0.37%

2. Quarterly, annualized. 

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 12.91% 0.00% 0.00% 0.00% 0.00%

Closed-end 1-4 family residential 2.65% 1.17% 0.50% 1.17% 1.01%

Home equity 1.27% 0.00% 0.00% 0.00% 0.00%

Credit card 1.62% 0.00% 0.00% 0.00% 0.00%

Other consumer 0.84% 0.21% 0.23% 0.25% 0.26%

Commercial & Industrial 2.34% 0.49% 0.23% 0.56% 0.55%

Commercial real estate 3.39% 0.90% 0.00% 0.89% 0.64%

Total loans 3.35% 1.65% 0.96% 1.69% 1.60%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 1.28% 0.00% 0.00% 0.00% 0.00%

Closed-end 1-4 family residential 0.19% 0.00% 0.00% 0.00% 0.00%

Home equity 0.23% 0.00% 0.00% 0.00% 0.00%

Credit card 1.95% 0.00% 0.00% 0.00% 0.13%

Other consumer 0.41% 0.08% 0.07% 0.05% 0.11%

Commercial & Industrial 0.57% 0.00% 0.00% 0.00% 0.00%

Commercial real estate 0.24% 0.00% 0.00% 0.00% 0.00%

Total loans 0.35% 0.10% 0.03% 0.07% 0.11%

Bank Holding Companies Independent Depository 

Institutions

Total Assets of Depository 

Institutions in Group

% of Total Assets of All 

Depository Institutions

3,986 1,831 1,170,120 9.6%

Source: Call and Thrift Financial Report Data

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

Q4 2010 Median % Change

Median Levels

Ratios Q4 2010

Selected balance and off-balance sheet items

Charge-Offs (% of Total Loan Type)

Noncurrent Loans (% of Total Loan Type) Q4 2010

Q4 2010

Institutions in Group
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.13

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.

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 Q4 2010, and percent changes were 

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

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

2008 to December 31, 2010. 

Source: Treasury Analysis of Call and Thrift Financial Report Data

 13 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.14 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.

15

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 

 14 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.

15 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. 
17

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 Q4 2010

Group I CPP Participants with assets over $100 billion 16

Group II CPP Participants with assets between $10 and $100 billion 32

Group III CPP Participants with assets between $1 and $10 billion 153

Group IV CPP Participants with assets under $1 billion 113

Group V Non-CPP Participants with assets between $10 and $100 billion 15

Group VI Non-CPP Participants with assets between $1 and $10 billion 230

Group VII Non-CPP Participants with assets under $1 billion 424

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

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

with caution for reasons discussed above.

Summary of Findings

Note: All changes refer to the median change between third quarter 2008 and fourth quarter 

2010, unless otherwise noted.

Selected Balance and Off-Balance Sheet Items

Overall Asset Growth

Asset growth was positive in all groups except CPP holding companies with assets over $100 

billion. Non-CPP holding companies with assets between $10 and $100 billion had the largest 

increase in total assets (17.5%). CPP holding companies with assets over $100 billion saw a 

decrease in assets of -5.9%. 

Loan Growth16

Growth in total loans decreased across all size groups except Non-CPP holding companies with 

assets between $1 and $10 billion in assets, which experienced growth. 

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

by group. Construction and development 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 holding companies with over $100 billion in assets, 

which experienced a decrease in both home equity and commercial real estate loans). As with 

Section A of this report, CPP holding companies 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).

 16 All loan growth figures refer to the change in outstanding loan balances.
18

Closed-end and Open-end Mortgage Originations17

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

in all groups.

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 holding companies 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 holding companies 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 and balances due increased in all groups except CPP holding 

companies with assets over $100 billion. Other securities also increased in all groups with the 

largest increase in Non-CPP holding companies with assets between $10 and $100 billion 

(49.4%).

Liabilities

Total liabilities increased in all groups except for CPP holding companies with assets over $10 

billion. Non-CPP holding companies with assets between $10 and $100 billion had the largest 

increase in total liabilities (18.1%). Deposits grew in all groups (CPP and Non-CPP). The

largest growth in deposits was in Non-CPP holding companies with assets between $10 and $100

billion (20.3%), and the smallest growth was in CPP holding companies with assets over $100

billion (6.0%). Total other borrowings decreased in all groups.

Equity

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

companies had higher growth in equity capital than Non-CPP holding companies in each 

comparable size group.

Performance Ratios18

Capital Ratios

With the exception of Non-CPP holding companies with under $1 billion in assets, all groups

had increases in all three median capital ratios. 

 17 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).

18 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.
19

In fourth quarter 2010, CPP holding companies with assets between $10 and $100 billion had the 

highest median tier one leverage ratio (9.6%). Non-CPP holding companies with assets between 

$10 and $100 billion had the highest median tier one risk based capital ratio (13.5%). CPP 

holding companies with assets greater than $100 billion had the highest median total risk based 

capital ratio (16.3%).

Earnings Ratios

Growth in median return on equity, and median return on assets was mixed across all groups 

(CPP and Non-CPP). Median net interest margins increased for all groups.

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 increased in all groups.

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 holding companies with assets between $1 and $10 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 increased in all size groups. The changes in 

the median ratio of charge-offs to loans within specific loan categories was mixed.
20

$ millions 

($Aggregate)

$ millions 

(median) Q3 2008 From Previous Quarter From Previous Year

Assets $11,172,195 $255,818 -5.9% -1.0% 2.4%

Loans $4,318,973 $113,369 -9.1% 1.1% 2.4%

Construction & development $105,916 $4,663 -54.4% -10.7% -30.2%

Closed-end 1-4 family residential $1,074,582 $23,336 0.6% 3.5% 3.1%

Home equity $424,964 $11,387 -4.2% -1.9% -5.7%

Credit card 1 $588,947 $2,680 42.0% 1.7% 62.3%

Other consumer $420,043 $13,652 2.1% 0.1% 3.5%

Commercial & Industrial $685,059 $19,715 -15.0% -0.3% -1.8%

Commercial real estate $281,180 $11,692 -9.0% -0.7% -3.7%

Unused commitments $379,678 $11,984 -83.1% -1.9% -92.4%

Securitization outstanding principal $1,489,131 $1,862 -59.2% -4.1% -30.3%

Mortgage-backed securities (GSE and private issue) $856,789 $30,331 30.9% 1.1% -2.9%

Asset-backed securities $94,120 $827 -43.5% -4.7% -5.2%

Other securities $2,161,431 $56,922 36.0% -1.1% -0.9%

Cash & balances due $725,594 $20,613 5.5% 9.2% -6.8%

Residential mortgage originations 

Closed-end mortgage originated for sale (quarter) $287,407 $4,630 27.6% 16.2% 37.1%

Open-end HELOC originated for sale (quarter) $2,633 $0 15.4% 17.4% 6.2%

Closed-end mortgage originations sold (quarter) $379,080 $6,696 25.9% 17.1% 31.4%

Open-end HELOC originations sold (quarter) $2,570 $0 -57.3% -30.4% 51.1%

Liabilities $10,093,386 $222,821 -7.8% -0.8% 2.2%

Deposits $4,934,509 $122,627 6.0% 2.3% 1.5%

Total other borrowings $2,012,411 $37,956 -32.9% -4.1% 0.9%

Equity

Equity capital at quarter end $1,051,692 $29,880 27.1% 0.9% 6.8%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ratio 7.6% 8.6% 8.0% 8.6% 8.5%

Tier 1 risk based capital ratio 12.4% 12.3% 8.6% 12.0% 11.6%

Total risk based capital ratio 16.0% 16.3% 12.3% 15.9% 15.8%

Return on equity2 8.9% 11.3% 4.8% 9.3% 5.7%

Return on assets 2 0.8% 1.2% 0.6% 0.8% 0.7%

Net interest margin2 3.3% 3.9% 2.7% 2.9% 3.6%

Coverage ratio {(ALLL+Alloc transfer risk)/Noncurrent loans)} 68.0% 60.9% 81.5% 56.6% 51.8%

Loss provision to net charge-offs (qtr) 78.8% 85.5% 169.7% 88.1% 137.7%

Net charge-offs to average loans and leases 2 4.3% 3.2% 1.5% 2.5% 3.1%

2. Quarterly, annualized. 

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 16.4% 16.4% 6.6% 16.9% 16.7%

Closed-end 1-4 family residential 14.2% 8.7% 4.4% 8.8% 10.3%

Home equity 2.2% 1.9% 1.3% 2.0% 1.8%

Credit card 2.5% 2.5% 2.4% 2.6% 3.5%

Other consumer 1.6% 1.1% 0.7% 1.1% 0.9%

Commercial & Industrial 3.0% 2.2% 0.9% 2.5% 2.8%

Commercial real estate 5.7% 6.1% 1.3% 5.9% 5.7%

Total loans 5.8% 4.6% 2.7% 4.6% 4.9%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 6.6% 4.7% 1.0% 3.6% 4.8%

Closed-end 1-4 family residential 2.4% 1.8% 0.8% 1.5% 1.6%

Home equity 3.6% 2.5% 1.3% 2.1% 2.8%

Credit card 10.6% 10.7% 4.3% 8.5% 11.4%

Other consumer 3.9% 1.8% 1.5% 1.4% 2.2%

Commercial & Industrial 2.2% 1.6% 0.6% 1.3% 2.3%

Commercial real estate 1.9% 1.7% 0.1% 1.2% 1.5%

Total loans 3.6% 2.5% 1.1% 2.0% 2.5%

Bank Holding Companies Total Assets of Depository Institutions in 

Group

% of Total Assets of All Depository 

Institutions

16 $11,172,195 77.1%

Source: Federal Reserve Y-9C Data

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).

Q4 2010

Q4 2010

Institutions in Group

Charge-Offs (% of Total 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

Q4 2010 Median % Change

Median Levels

Ratios Q4 2010
21

$ millions 

($Aggregate)

$ millions 

(median) Q3 2008 From Previous Quarter From Previous Year

Assets $901,817 $17,789 1.6% -1.2% -0.5%

Loans $577,444 $11,976 -5.8% -0.7% -1.6%

Construction & development $35,916 $666 -41.7% -11.0% -33.2%

Closed-end 1-4 family residential $84,203 $2,036 -2.5% -0.9% -2.8%

Home equity $41,869 $664 16.5% -1.1% -0.1%

Credit card $48,523 $0 -2.1% 3.3% -2.9%

Other consumer $47,741 $474 -18.8% -2.7% -7.3%

Commercial & Industrial $133,832 $2,630 -12.9% 0.8% -5.2%

Commercial real estate $121,945 $2,742 11.6% -1.8% -2.1%

Unused commitments $47,414 $1,058 -76.2% -3.8% -72.0%

Securitization outstanding principal $24,271 $0 -70.5% -4.5% -63.6%

Mortgage-backed securities (GSE and private issue) $100,524 $2,180 36.8% 5.4% 7.6%

Asset-backed securities $4,236 $0 -60.3% -1.5% -6.3%

Other securities $220,248 $5,007 30.0% 3.1% 10.3%

Cash & balances due $73,980 $882 83.8% -11.7% 1.1%

Residential mortgage originations 

Closed-end mortgage originated for sale (quarter) $8,687 $153 201.2% 21.7% 36.6%

Open-end HELOC originated for sale (quarter) $8 $0 -59.1% 7.1% -15.3%

Closed-end mortgage originations sold (quarter) $11,678 $202 158.9% 22.2% 45.8%

Open-end HELOC originations sold (quarter) $8 $0 -61.7% -33.7% -16.6%

Liabilities $801,641 $16,023 -0.2% -1.1% -0.1%

Deposits $625,477 $12,224 9.5% 0.0% 2.5%

Total other borrowings $103,386 $1,043 -42.9% -0.9% -9.8%

Equity

Equity capital at quarter end $99,002 $1,827 28.7% -0.7% 4.1%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ratio 10.4% 9.6% 8.0% 10.0% 9.6%

Tier 1 risk based capital ratio 13.3% 12.7% 9.2% 13.1% 12.4%

Total risk based capital ratio 16.1% 15.3% 11.9% 15.6% 14.6%

Return on equity2 2.5% 5.7% 5.6% 3.9% -1.6%

Return on assets 2 0.3% 0.6% 0.6% 0.4% -0.2%

Net interest margin2 4.3% 4.2% 2.9% 3.1% 3.9%

Coverage ratio {(ALLL+Alloc transfer risk)/Noncurrent loans)} 68.4% 68.6% 82.2% 70.1% 65.8%

Loss provision to net charge-offs (qtr) 85.7% 100.7% 172.4% 102.7% 136.3%

Net charge-offs to average loans and leases 2 4.1% 2.4% 0.6% 1.8% 3.2%

2. Quarterly, annualized. 

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 17.2% 12.7% 5.9% 14.5% 13.9%

Closed-end 1-4 family residential 5.9% 3.9% 1.4% 4.4% 3.5%

Home equity 1.2% 1.1% 0.7% 1.0% 1.1%

Credit card 2.4% 1.0% 0.8% 0.8% 1.1%

Other consumer 2.1% 0.6% 0.4% 0.6% 0.8%

Commercial & Industrial 2.8% 2.1% 0.7% 2.6% 2.1%

Commercial real estate 4.6% 3.8% 0.9% 4.1% 4.1%

Total loans 4.5% 3.8% 1.8% 4.1% 4.5%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 12.2% 6.9% 1.1% 4.5% 7.6%

Closed-end 1-4 family residential 2.2% 1.0% 0.2% 0.8% 1.0%

Home equity 1.7% 1.2% 0.2% 0.8% 0.9%

Credit card 8.7% 6.8% 3.3% 4.6% 6.9%

Other consumer 1.8% 1.9% 0.8% 1.2% 2.0%

Commercial & Industrial 2.3% 1.6% 0.5% 1.3% 2.4%

Commercial real estate 2.3% 1.4% 0.1% 1.1% 1.0%

Total loans 3.3% 1.9% 0.6% 1.4% 2.5%

Bank Holding Companies Total Assets of Depository Institutions in 

Group

% of Total Assets of All Depository 

Institutions

32 $901,817 6.2%

Source: Federal Reserve Y-9C Data

Q4 2010

Q4 2010

Institutions in Group

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

Q4 2010 Median % Change

Median Levels

Ratios Q4 2010

Charge-Offs (% of Total 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 $417,541 $2,063 6.6% -0.9% -0.7%

Loans $280,705 $1,341 -3.4% -1.9% -4.4%

Construction & development $28,340 $124 -37.9% -7.6% -23.7%

Closed-end 1-4 family residential $52,475 $244 -3.3% -2.1% -3.3%

Home equity $16,865 $63 10.6% -1.3% -1.4%

Credit card $270 $0 -1.3% 3.5% -4.8%

Other consumer $11,542 $33 -24.1% -3.2% -13.2%

Commercial & Industrial $44,156 $164 -13.3% -2.0% -6.6%

Commercial real estate $101,122 $450 12.3% -0.3% 0.6%

Unused commitments $20,500 $85 -70.8% -3.1% -64.7%

Securitization outstanding principal $1,143 $0 -20.3% 0.0% -6.3%

Mortgage-backed securities (GSE and private issue) $48,314 $174 39.7% 3.8% 8.7%

Asset-backed securities $67 $0 -97.4% 0.0% -27.4%

Other securities $112,711 $478 33.9% 4.1% 10.4%

Cash & balances due $23,641 $87 95.9% -9.1% -0.6%

Residential mortgage originations 

Closed-end mortgage originated for sale (quarter) $20,231 $31 179.0% 15.2% 56.4%

Open-end HELOC originated for sale (quarter) $4 $0 -76.7% 42.0% -7.0%

Closed-end mortgage originations sold (quarter) $24,656 $36 182.5% 21.8% 59.7%

Open-end HELOC originations sold (quarter) $7 $0 0.0% 0.0% 0.0%

Liabilities $377,563 $1,885 4.6% -0.6% -1.6%

Deposits $333,362 $1,667 11.6% -0.3% 0.8%

Total other borrowings $18,188 $75 -49.7% -0.4% -18.9%

Equity

Equity capital at quarter end $39,818 $159 27.5% -1.6% 2.6%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ratio 9.2% 9.4% 8.3% 9.4% 9.1%

Tier 1 risk based capital ratio 12.9% 13.0% 10.0% 12.8% 11.9%

Total risk based capital ratio 14.6% 14.6% 11.5% 14.2% 13.7%

Return on equity2 -4.7% 4.0% 6.7% 2.9% -0.4%

Return on assets 2 -0.4% 0.4% 0.5% 0.3% 0.0%

Net interest margin2 4.6% 4.5% 3.3% 3.4% 4.2%

Coverage ratio {(ALLL+Alloc transfer risk)/Noncurrent loans)} 51.5% 58.1% 86.3% 58.4% 64.6%

Loss provision to net charge-offs (qtr) 102.0% 108.4% 159.5% 112.3% 136.0%

Net charge-offs to average loans and leases 2 2.9% 2.1% 0.3% 1.3% 1.7%

2. Quarterly, annualized. 

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 16.1% 11.8% 3.4% 12.1% 10.3%

Closed-end 1-4 family residential 3.9% 3.0% 1.2% 3.0% 2.6%

Home equity 3.0% 0.9% 0.3% 0.8% 0.6%

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

Other consumer 0.9% 0.5% 0.3% 0.4% 0.5%

Commercial & Industrial 3.0% 2.1% 1.0% 1.9% 2.0%

Commercial real estate 4.2% 3.0% 0.7% 3.1% 2.4%

Total loans 5.0% 3.7% 1.5% 3.7% 3.4%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 8.3% 5.0% 0.2% 3.0% 2.9%

Closed-end 1-4 family residential 1.5% 1.1% 0.1% 0.7% 0.7%

Home equity 1.2% 0.7% 0.1% 0.4% 0.5%

Credit card 5.7% 3.7% 1.5% 2.8% 3.7%

Other consumer 1.8% 1.7% 1.0% 1.3% 2.0%

Commercial & Industrial 2.2% 1.9% 0.5% 1.4% 1.9%

Commercial real estate 1.6% 0.8% 0.0% 0.5% 0.4%

Total loans 2.4% 1.7% 0.3% 1.1% 1.4%

Bank Holding Companies Total Assets of Depository Institutions in 

Group

% of Total Assets of All Depository 

Institutions

153 $417,541 2.9%

Source: Federal Reserve Y-9C Data

Q4 2010

Q4 2010

Institutions in Group

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

Q4 2010 Median % Change

Median Levels

Ratios Q4 2010

Charge-Offs (% of Total 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 $78,462 $683 5.6% -1.0% -0.9%

Loans $54,967 $472 -3.3% -1.7% -3.9%

Construction & development $6,253 $48 -39.2% -5.7% -21.9%

Closed-end 1-4 family residential $10,456 $87 1.2% -2.0% -0.8%

Home equity $3,069 $22 19.3% -1.0% 0.6%

Credit card $44 $0 6.9% 4.5% 1.0%

Other consumer $1,644 $7 -21.5% -2.9% -12.4%

Commercial & Industrial $7,911 $58 -12.9% -1.4% -9.6%

Commercial real estate $20,738 $172 12.1% -0.6% 1.4%

Unused commitments $3,684 $28 -65.4% -4.8% -57.8%

Securitization outstanding principal $17 $0 -100.0% -8.3% 16.3%

Mortgage-backed securities (GSE and private issue) $6,506 $41 8.5% -1.5% -7.9%

Asset-backed securities $23 $0 -87.8% -5.1% -16.4%

Other securities $19,076 $145 18.4% 1.1% -0.9%

Cash & balances due $5,357 $28 69.4% -2.0% 3.9%

Residential mortgage originations 

Closed-end mortgage originated for sale (quarter) $3,333 $0 160.8% 4.5% 48.0%

Open-end HELOC originated for sale (quarter) $1 $0 -100.0% 0.0% 57.0%

Closed-end mortgage originations sold (quarter) $4,064 $0 186.4% 13.5% 54.0%

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

Liabilities $71,586 $632 4.6% -0.8% -1.1%

Deposits $63,431 $553 10.0% -0.4% 0.7%

Total other borrowings $4,610 $30 -40.0% -0.7% -18.9%

Equity

Equity capital at quarter end $6,812 $54 20.7% -2.1% 0.1%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ratio 9.4% 9.2% 8.4% 9.1% 9.2%

Tier 1 risk based capital ratio 12.8% 12.2% 10.1% 12.2% 11.9%

Total risk based capital ratio 14.5% 13.8% 11.4% 13.9% 13.4%

Return on equity2 -3.6% 3.3% 6.4% 2.9% -1.3%

Return on assets 2 -0.3% 0.3% 0.5% 0.3% -0.2%

Net interest margin2 4.6% 4.5% 3.2% 3.3% 4.2%

Coverage ratio {(ALLL+Alloc transfer risk)/Noncurrent loans)} 53.0% 57.0% 80.2% 57.0% 58.8%

Loss provision to net charge-offs (qtr) 107.5% 111.7% 181.6% 117.0% 150.6%

Net charge-offs to average loans and leases 2 2.1% 1.6% 0.2% 1.1% 1.3%

2. Quarterly, annualized. 

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 12.4% 9.7% 4.1% 9.7% 7.8%

Closed-end 1-4 family residential 3.6% 3.2% 1.2% 3.3% 2.6%

Home equity 1.3% 0.5% 0.1% 0.5% 0.1%

Credit card 0.9% 0.0% 0.4% 0.3% 0.2%

Other consumer 0.7% 0.3% 0.3% 0.3% 0.2%

Commercial & Industrial 2.7% 1.9% 0.7% 1.8% 1.8%

Commercial real estate 3.6% 2.7% 0.5% 2.8% 1.9%

Total loans 4.2% 3.7% 1.7% 3.8% 3.6%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 5.2% 3.6% 0.1% 2.0% 2.1%

Closed-end 1-4 family residential 1.2% 0.8% 0.1% 0.6% 0.6%

Home equity 0.9% 0.4% 0.0% 0.2% 0.3%

Credit card 3.7% 3.2% 1.8% 1.7% 2.5%

Other consumer 1.8% 1.1% 0.6% 0.9% 1.4%

Commercial & Industrial 2.4% 1.4% 0.4% 1.0% 1.4%

Commercial real estate 0.9% 0.6% 0.0% 0.4% 0.2%

Total loans 1.7% 1.3% 0.2% 0.9% 1.0%

Bank Holding Companies Total Assets of Depository Institutions in 

Group

% of Total Assets of All Depository 

Institutions

113 $78,462 0.5%

Source: Federal Reserve Y-9C Data

Q4 2010

Q4 2010

Institutions in Group

IV. CPP Bank Holding Companies with Assets Less Than $1 Billion

Q4 2010 Median % Change

Median Levels

Ratios Q4 2010

Charge-Offs (% of Total 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 $372,521 $17,667 17.5% 0.0% 2.8%

Loans $228,045 $9,476 -1.2% -0.2% -1.0%

Construction & development $13,918 $653 -31.3% -7.8% -20.4%

Closed-end 1-4 family residential $40,033 $1,935 8.4% -2.2% -3.6%

Home equity $15,848 $476 25.6% -1.0% -0.4%

Credit card $5,681 $77 13.5% 3.2% 4.0%

Other consumer $20,552 $366 -42.0% -3.5% -18.8%

Commercial & Industrial $38,384 $1,800 -9.4% 0.9% -4.3%

Commercial real estate $54,135 $2,208 18.4% 1.5% 4.0%

Unused commitments $22,220 $719 -78.9% 0.9% -75.4%

Securitization outstanding principal $11,574 $0 -67.9% 0.0% -44.2%

Mortgage-backed securities (GSE and private issue) $50,344 $2,947 34.4% -2.3% 2.5%

Asset-backed securities $2,637 $0 -91.4% -2.4% -58.7%

Other securities $116,695 $7,586 49.4% 5.1% 12.4%

Cash & balances due $15,887 $1,056 7.1% -8.7% -4.1%

Residential mortgage originations 

Closed-end mortgage originated for sale (quarter) $8,775 $279 134.9% 14.9% 45.3%

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

Closed-end mortgage originations sold (quarter) $11,528 $326 103.4% 16.7% 51.2%

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

Liabilities $325,178 $15,605 18.1% 0.0% 2.6%

Deposits $259,909 $13,239 20.3% 1.9% 5.0%

Total other borrowings $32,651 $826 -22.4% -7.0% -14.4%

Equity

Equity capital at quarter end $47,170 $2,022 26.5% 0.3% 7.6%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ratio 9.2% 8.7% 8.2% 8.4% 8.5%

Tier 1 risk based capital ratio 12.2% 13.5% 10.7% 13.4% 12.5%

Total risk based capital ratio 14.2% 14.4% 12.4% 15.1% 14.3%

Return on equity2 13.7% 13.1% 11.1% 9.8% 10.8%

Return on assets 2 1.7% 1.4% 1.0% 1.0% 1.1%

Net interest margin2 4.3% 4.3% 3.4% 3.3% 4.0%

Coverage ratio {(ALLL+Alloc transfer risk)/Noncurrent loans)} 67.2% 76.9% 207.4% 72.1% 90.7%

Loss provision to net charge-offs (qtr) 97.8% 107.2% 158.5% 108.0% 139.6%

Net charge-offs to average loans and leases 2 1.4% 1.2% 0.3% 1.0% 1.2%

2. Quarterly, annualized. 

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 13.4% 10.8% 2.6% 10.1% 7.8%

Closed-end 1-4 family residential 3.5% 2.1% 0.9% 2.0% 1.3%

Home equity 0.5% 0.5% 0.1% 0.4% 0.5%

Credit card 1.8% 1.2% 1.4% 1.3% 1.6%

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

Commercial & Industrial 1.7% 1.5% 0.5% 1.6% 1.7%

Commercial real estate 2.7% 1.8% 0.5% 1.9% 1.3%

Total loans 2.9% 2.7% 0.6% 2.5% 1.9%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 3.5% 2.3% 0.2% 1.7% 2.2%

Closed-end 1-4 family residential 0.7% 0.3% 0.2% 0.2% 0.4%

Home equity 0.6% 0.4% 0.1% 0.3% 0.5%

Credit card 9.2% 5.0% 3.1% 4.0% 6.0%

Other consumer 2.0% 2.0% 1.0% 1.5% 2.2%

Commercial & Industrial 1.1% 0.8% 0.3% 0.6% 1.0%

Commercial real estate 0.5% 0.3% 0.0% 0.2% 0.2%

Total loans 1.2% 1.1% 0.3% 0.9% 1.0%

Bank Holding Companies Total Assets of Depository Institutions in 

Group

% of Total Assets of All Depository 

Institutions

15 $372,521 2.6%

Source: Federal Reserve Y-9C Data

Q4 2010

Q4 2010

Institutions in Group

V. Non-CPP Bank Holding Companies with Assets Between $10 Billion and $100 Billion

Q4 2010 Median % Change

Median Levels

Ratios Q4 2010

Charge-Offs (% of Total 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 $550,372 $1,658 10.8% 0.1% 2.5%

Loans $338,106 $1,080 0.7% -0.9% -1.2%

Construction & development $30,130 $90 -30.5% -5.5% -19.4%

Closed-end 1-4 family residential $78,021 $193 0.8% -1.7% -1.2%

Home equity $16,235 $43 16.7% -0.7% 1.6%

Credit card $1,486 $0 5.3% 2.9% 1.4%

Other consumer $18,033 $28 -19.3% -2.9% -10.1%

Commercial & Industrial $49,573 $143 -6.8% -0.4% -2.2%

Commercial real estate $106,262 $351 14.6% 0.0% 1.7%

Unused commitments $24,188 $64 -71.3% -2.0% -65.1%

Securitization outstanding principal $9,152 $0 -60.3% -3.2% -24.2%

Mortgage-backed securities (GSE and private issue) $71,028 $156 20.4% 2.2% 4.9%

Asset-backed securities $395 $0 -100.0% -5.4% -31.3%

Other securities $185,424 $523 28.5% 3.6% 14.5%

Cash & balances due $42,315 $97 129.8% -1.7% 7.3%

Residential mortgage originations 

Closed-end mortgage originated for sale (quarter) $14,599 $21 166.5% 13.6% 58.4%

Open-end HELOC originated for sale (quarter) $20 $0 38.2% -45.5% -5.4%

Closed-end mortgage originations sold (quarter) $18,392 $24 149.9% 18.7% 67.8%

Open-end HELOC originations sold (quarter) $1 $0 112.4% -48.9% -64.6%

Liabilities $495,451 $1,501 10.8% 0.3% 2.5%

Deposits $427,811 $1,373 18.1% 0.6% 4.1%

Total other borrowings $30,183 $65 -35.9% -0.7% -16.1%

Equity

Equity capital at quarter end $54,301 $145 15.6% -0.5% 6.2%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ratio 9.4% 8.8% 8.7% 9.0% 8.5%

Tier 1 risk based capital ratio 14.0% 12.7% 11.2% 12.6% 11.8%

Total risk based capital ratio 15.5% 14.3% 12.4% 14.1% 13.4%

Return on equity2 5.6% 9.0% 9.3% 6.9% 8.3%

Return on assets 2 0.6% 0.8% 0.9% 0.7% 0.7%

Net interest margin2 4.3% 4.4% 3.4% 3.3% 4.3%

Coverage ratio {(ALLL+Alloc transfer risk)/Noncurrent loans)} 56.4% 81.0% 120.6% 72.4% 75.0%

Loss provision to net charge-offs (qtr) 110.5% 124.7% 159.8% 127.7% 141.5%

Net charge-offs to average loans and leases 2 1.6% 0.8% 0.2% 0.6% 0.9%

2. Quarterly, annualized. 

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 13.2% 6.9% 1.9% 7.1% 6.4%

Closed-end 1-4 family residential 3.2% 1.7% 0.8% 1.7% 1.4%

Home equity 1.3% 0.5% 0.2% 0.5% 0.3%

Credit card 1.6% 0.2% 0.1% 0.1% 0.4%

Other consumer 1.0% 0.3% 0.2% 0.3% 0.3%

Commercial & Industrial 2.3% 1.4% 0.6% 1.3% 1.2%

Commercial real estate 3.1% 1.9% 0.7% 1.8% 1.7%

Total loans 3.6% 2.2% 0.9% 2.3% 2.0%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 4.7% 1.5% 0.1% 0.9% 1.3%

Closed-end 1-4 family residential 0.6% 0.3% 0.1% 0.2% 0.3%

Home equity 0.9% 0.2% 0.0% 0.1% 0.2%

Credit card 18.0% 2.3% 1.8% 1.7% 3.4%

Other consumer 1.4% 0.9% 0.5% 0.7% 1.0%

Commercial & Industrial 1.6% 1.1% 0.2% 0.7% 1.0%

Commercial real estate 0.8% 0.3% 0.0% 0.2% 0.2%

Total loans 1.3% 0.7% 0.2% 0.5% 0.7%

Bank Holding Companies Total Assets of Depository Institutions in 

Group

% of Total Assets of All Depository 

Institutions

230 $550,372 3.8%

Source: Federal Reserve Y-9C Data

Q4 2010

Q4 2010

Institutions in Group

VI. Non-CPP Bank Holding Companies with Assets Between $1 Billion and $10 Billion

Q4 2010 Median % Change

Median Levels

Ratios Q4 2010

Charge-Offs (% of Total 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 $273,374 $632 4.6% -0.3% 0.0%

Loans $178,851 $414 -3.5% -1.5% -3.9%

Construction & development $17,575 $31 -35.3% -4.5% -19.2%

Closed-end 1-4 family residential $40,773 $82 -0.4% -1.9% -2.6%

Home equity $7,788 $15 10.8% -1.4% -1.9%

Credit card $362 $0 4.3% 3.4% 0.4%

Other consumer $7,247 $9 -19.9% -3.6% -10.3%

Commercial & Industrial $22,802 $46 -11.6% -1.1% -6.6%

Commercial real estate $59,754 $135 8.9% -0.5% -0.3%

Unused commitments $10,313 $20 -72.4% -3.2% -65.8%

Securitization outstanding principal $238 $0 -54.2% -0.1% -0.1%

Mortgage-backed securities (GSE and private issue) $22,934 $38 -9.1% -1.4% -3.7%

Asset-backed securities $165 $0 -92.5% -1.4% -17.1%

Other securities $90,079 $173 17.1% 2.8% 7.5%

Cash & balances due $18,594 $32 92.6% -4.1% 8.1%

Residential mortgage originations 

Closed-end mortgage originated for sale (quarter) $8,402 $0 115.6% 17.0% 63.0%

Open-end HELOC originated for sale (quarter) $3 $0 -99.8% -60.9% -99.9%

Closed-end mortgage originations sold (quarter) $10,212 $0 96.2% 18.9% 64.9%

Open-end HELOC originations sold (quarter) $1 $0 -88.9% -59.4% -93.9%

Liabilities $250,098 $577 4.4% 0.0% 0.0%

Deposits $223,837 $520 8.8% 0.3% 1.7%

Total other borrowings $14,382 $26 -34.2% -0.1% -17.4%

Equity

Equity capital at quarter end $22,959 $53 7.3% -1.6% 3.6%

Performance Ratios

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Tier 1 leverage ratio 8.7% 8.8% 8.9% 8.8% 8.5%

Tier 1 risk based capital ratio 12.4% 12.5% 11.4% 12.0% 11.3%

Total risk based capital ratio 13.9% 13.9% 12.7% 13.5% 12.7%

Return on equity2 3.0% 8.0% 7.9% 5.8% 5.3%

Return on assets 2 0.3% 0.7% 0.7% 0.5% 0.4%

Net interest margin2 4.6% 4.6% 3.3% 3.4% 4.5%

Coverage ratio {(ALLL+Alloc transfer risk)/Noncurrent loans)} 48.2% 63.5% 87.6% 62.7% 63.0%

Loss provision to net charge-offs (qtr) 107.3% 116.6% 143.5% 119.9% 139.6%

Net charge-offs to average loans and leases 2 1.7% 1.1% 0.2% 0.7% 1.1%

2. Quarterly, annualized. 

Asset Quality

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 15.6% 7.1% 1.8% 6.3% 6.6%

Closed-end 1-4 family residential 3.1% 2.0% 0.9% 1.9% 1.8%

Home equity 1.3% 0.3% 0.0% 0.3% 0.2%

Credit card 0.9% 0.0% 0.2% 0.0% 0.2%

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

Commercial & Industrial 2.5% 1.4% 0.7% 1.5% 1.2%

Commercial real estate 3.6% 2.3% 0.8% 2.2% 1.9%

Total loans 4.1% 2.8% 1.3% 2.6% 2.5%

Q3 2008 Previous Quarter Previous Year

Weighted Average Median Median Median Median

Construction & development 4.4% 1.6% 0.0% 0.8% 1.6%

Closed-end 1-4 family residential 0.8% 0.4% 0.1% 0.3% 0.3%

Home equity 0.7% 0.2% 0.0% 0.0% 0.1%

Credit card 13.4% 3.2% 1.4% 2.3% 2.8%

Other consumer 1.4% 1.0% 0.6% 0.7% 1.0%

Commercial & Industrial 1.9% 1.0% 0.2% 0.6% 1.1%

Commercial real estate 0.8% 0.4% 0.0% 0.2% 0.2%

Total loans 1.3% 0.9% 0.2% 0.6% 0.9%

Bank Holding Companies Total Assets of Depository Institutions in 

Group

% of Total Assets of All Depository 

Institutions

424 $273,374 1.9%

Source: Federal Reserve Y-9C Data

Q4 2010

Q4 2010

Institutions in Group

VII. Non-CPP Bank Holding Companies with Assets Less Than $1 Billion

Q4 2010 Median % Change

Median Levels

Ratios Q4 2010

Charge-Offs (% of Total Loan Type)

Noncurrent Loans (% of Total Loan Type)

Selected balance and off-balance sheet items
27

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.19

• Ally Financial Inc. (previously GMAC) is excluded from all groups as GMAC received 

TARP funds under the Automotive Industry Financing Program.

• 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 equal 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.

• 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

 19 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).