Contents

Section I Banks and Thrifts
performance rankings 3
Summary ratios  4
Return on average equity  8
Return on average assets  10
Net interest margin 12
Efficiency ratio  14
Non-interest income to operating revenue 16
Loans to deposits  18
Deposits to assets 20
Non-performing assets to equity & reserves 22
Non-performing assets to loans & OREO 24
Non-performing assets to total assets  26
Loan loss reserves to NPAs  28
Loan loss reserves to loans 30
Net charge-offs to average loans 32
Loan loss provisions to NCOs  34
Loan loss provisions to average loans  36
Equity & reserves to gross loans  38
Equity to assets  40
Tangible equity to tangible assets 42
Tier 1 capital ratio  44
Total risk adjusted capital ratio 46
Double leverage ratio 48
Assets (USDm) 50
Net loans (USDm) 52
Deposits (USDm) 54
Equity (USDm) 56
Market capitalization (USDm) 58
Price to LTM EPS (multiple) 60
Price to book value 62
Section II Banks and Thrifts
financial snapshots 65
Associated Banc-Corp 66
Astoria Financial Corp 67
Bank of America 68
Bank of Hawaii Corp 69
Bank of New York Mellon Corp. 70
BB&T Corporation 71
BOK Financial Group 72
Capital One 73
Citigroup, Inc. 74
City National Corp. 75
Colonial BancGroup, Inc. 76
Comerica, Inc. 77
Commerce Bancshares, Inc. 78
Cullen/Frost Bankers, Inc. 79
Fifth Third Bancorp 80
First Horizon National Corp 81
FirstMerit Corp 82
Huntington Bancshares, Inc. 83
J.P. Morgan Chase & Co. 84
KeyCorp 85
M&T Bank Corp 86
Marshall & Ilsley Corporation 87
Northern Trust Corp 88
Old National Bancorp 89
People's United Financial 90
PNC Financial Services Group, Inc. 91
Popular, Inc. 92
Regions Financial Corp 93
State Street Corporation 94
SunTrust Banks, Inc. 95
Synovus Financial Corp 96
TCF Financial Corp 97
U.S. Bancorp 98
Webster Financial Corp 99
Wells Fargo & Co, Inc. 100
Zions Bancorporation 101
Disclosure Appendix 105
Disclaimer 107