美国银行估值模型

ASSETS
Cash and cash equivalents 28,936 36,999 32,575 34,545 31,239 36,429 36,429 31,549 35,499 34,956 42,531 42,531 40,512 40,309 40,108 38,102 38,102 32,387 Time deposits & s-t inv 12,361 12,800 11,157 14,652 13,006 13,952 13,952 12,037 13,151 8,829 11,773 11,773 8,807 8,807 8,807 8,807 8,807 8,983 Fed funds sold & rev repos 91,360 149,785 137,081 136,645 134,595 135,478 135,478 138,646 131,658 135,150 129,552 129,552 120,289 114,275 108,561 103,133 103,133 92,820 Trading account securities 93,587 131,707 117,181 134,708 141,211 153,052 153,052 174,218 182,404 179,365 162,064 162,064 165,693 149,124 134,211 120,790 120,790 102,672 Derivative-dealer assets 30,235 23,712 23,291 25,526 23,121 23,439 23,439 25,279 29,810 30,843 34,662 34,662 50,925 40,740 38,703 36,768 36,768 34,929 Additional investment - - - - - - - - - - - - - - - - - -
Securities available for sale 194,743 221,556 237,987 235,785 195,095 192,806 192,806 180,961 172,332 176,778 213,330 213,330 - - - - - -Held for investment 330 47 86 61 57 40 40 925 995 518 726 726 - - - - - -Total investment securities 195,073 221,603 238,073 235,846 195,152 192,846 192,846 181,886 173,327 177,296 214,056 214,056 223,000 225,230 222,978 225,207 225,207 240,972
Residential mortgage 178,079 182,596 188,261 222,803 218,918 241,181 241,181 254,845 269,721 271,753 274,949 274,949 266,145 260,822 255,606 253,050 253,050 265,702 Credit card - domestic 51,726 58,548 64,490 62,990 60,130 61,195 61,195 54,490 57,036 58,716 65,774 65,774 60,393 64,621 66,559 67,890 67,890 71,285 Credit card - foreign - - 7,789 8,576 9,937 10,999 10,999 11,430 12,205 12,986 14,950 14,950 15,518 16,139 16,784 17,456 17,456 19,201 Home equity lines 50,126 62,098 65,516 68,856 71,577 87,896 87,896 91,725 96,467 101,046 114,834 114,834 118,381 121,341 123,767 126,243 126,243 135,711 Direct/Indirect consumer 40,513 45,490 55,127 59,281 62,985 55,501 55,501 62,124 66,181 70,424 76,844 76,844 80,446 84,066 87,429 90,052 90,052 99,057 Other consumer 7,439 6,725 10,528 10,846 10,468 8,933 8,933 8,189 8,041 7,780 3,850 3,850 3,746 3,671 3,598 3,526 3,526 3,173 Commercial - domestic 122,095 140,533 146,737 149,871 154,578 161,982 161,982 162,938 167,233 180,880 211,793 211,793 212,080 216,322 218,485 222,855 222,855 238,454 Commercial real estate 32,319 35,766 36,337 37,262 37,121 36,258 36,258 36,201 37,148 40,598 61,602 61,602 62,979 64,239 64,881 65,530 65,530 62,253 Commercial lease financing 21,115 20,705 20,813 20,974 21,289 21,864 21,864 19,988 20,053 20,357 22,582 22,582 22,132 22,353 22,577 22,803 22,803 23,031 Commercial - foreign 18,401 21,330 23,927 26,494 22,146 20,681 20,681 21,703 24,550 28,997 29,166 29,166 32,050 32,691 33,345 34,012 34,012 39,113 Total gross loans 521,813 573,791 619,525 667,953 669,149 706,490 706,490 723,633 758,635 793,537 876,344 876,344 873,870 886,264 893,030 903,414 903,414 956,981 Allowance for loan losses 8,626 8,045 9,067 9,080 8,872 9,016 9,016 8,732 9,060 9,535 11,588 11,588 14,891 16,803 17,762 18,189 18,189 19,165 Net loans 513,187 565,746 610,458 658,873 660,277 697,474 697,474 714,901 749,575 784,002 864,756 864,756 858,979 869,461 875,268 885,225 885,225 937,815
Mortgage servicing rights 2,481 2,806 3,070 3,231 3,091 3,045 3,045 3,141 3,508 3,417 3,347 3,347 3,470 3,894 4,121 4,252 4,252 4,984 Other real estate owned 102 92 96 74 76 69 69 89 108 192 351 351 494 650 800 1,000 1,000 1,300 Goodwill 45,262 45,354 66,271 66,095 65,818 65,662 65,662 65,696 65,845 67,433 77,530 77,530 77,872 77,872 77,872 77,872 77,872 77,872 Core deposit & other intang 3,887 3,194 10,681 10,338 9,758 9,422 9,422 9,217 8,720 9,635 10,296 10,296 9,821 9,384 8,956 8,536 8,536 6,934 Other assets (excl. OREO) 93,961 98,005 125,146 124,660 171,867 128,869 128,869 145,498 140,754 147,645 164,828 164,828 176,640 165,085 166,592 168,066 168,066 176,219 Total assets 1,110,432 1,291,803 1,375,080 1,445,193 1,449,211 1,459,737 1,459,737 1,502,157 1,534,359 1,578,763 1,715,746 1,715,746 1,736,502 1,704,830 1,686,977 1,677,758 1,677,758 1,717,888
Total intangible assets 49,149 48,548 76,952 76,433 75,576 75,084 75,084 74,913 74,565 77,068 87,826 87,826 87,693 87,256 86,828 86,408 86,408 84,806 Tangible assets 1,061,283 1,243,255 1,298,128 1,368,760 1,373,635 1,384,653 1,384,653 1,427,244 1,459,794 1,501,695 1,627,920 1,627,920 1,648,809 1,617,574 1,600,149 1,591,350 1,591,350 1,633,082
LIABILITIES
Nonint bearing deps - dom 163,833 179,571 179,358 177,209 169,540 180,231 180,231 174,082 172,573 165,343 188,466 188,466 193,789 193,789 197,665 207,548 207,548 228,303 Int bearing deps - dom 396,645 384,155 415,769 410,940 409,718 418,100 418,100 425,197 422,201 434,728 501,882 501,882 506,062 516,183 521,345 531,772 531,772 571,655 Nonint bearing deps - for 6,066 7,165 6,874 6,765 4,371 4,577 4,577 3,346 3,006 3,950 3,761 3,761 3,333 3,500 3,500 3,500 3,500 3,675 Int bearing deps - for 52,026 63,779 80,448 81,951 82,276 90,589 90,589 90,176 101,629 95,201 111,068 111,068 93,885 98,579 101,537 104,583 104,583 115,041 Total deposits 618,570 634,670 682,449 676,865 665,905 693,497 693,497 692,801 699,409 699,222 805,177 805,177 797,069 812,051 824,046 847,402 847,402 918,673
Additional borrowed funds - - - - - - - - - - - - - - - - - -Fed funds purchased & repos 119,741 240,655 236,919 259,108 258,090 217,527 217,527 234,413 221,064 199,293 221,435 221,435 219,738 183,302 158,251 129,283 129,283 93,221 Trading account liabilities 36,654 50,890 51,100 57,486 64,936 67,670 67,670 77,289 75,070 87,155 77,342 77,342 76,032 68,429 61,586 55,427 55,427 47,113 Derivative-dealer liabilities 17,928 15,000 15,541 18,633 15,394 16,339 16,339 17,946 25,141 19,012 22,423 22,423 29,170 23,336 22,169 21,061 21,061 20,008 Comm paper & oth s/t borrow 78,598 116,269 99,389 136,886 135,056 141,300 141,300 156,844 159,542 201,155 191,089 191,089 190,856 187,039 183,298 179,632 179,632 170,651 Accr exp and other liabilities 41,590 31,938 37,078 39,318 38,494 42,132 42,132 35,446 49,065 48,932 53,969 53,969 64,528 61,702 62,319 62,942 62,942 66,089 Long-term debt 97,116 100,848 123,178 129,056 137,739 146,000 146,000 152,562 169,317 185,484 197,508 197,508 202,800 204,828 208,925 215,192 215,192 231,332 Trust preferred securities - - - - - - - - - - - - - - - - - -Total liabilities 1,010,197 1,190,270 1,245,654 1,317,352 1,315,614 1,324,465 1,324,465 1,367,301 1,398,608 1,440,253 1,568,943 1,568,943 1,580,193 1,540,686 1,520,593 1,510,939 1,510,939 1,547,086
EQUITY
Preferred stock 271 271 271 271 826 2,851 2,851 2,851 2,851 3,401 4,409 4,409 17,306 24,006 24,006 24,006 24,006 24,006 Common stock 44,236 41,693 68,705 65,822 63,929 61,574 61,574 60,536 60,349 60,276 60,328 60,328 61,080 61,080 61,080 61,080 61,080 61,080 Retained earnings 58,773 67,552 70,204 73,393 76,271 79,024 79,024 79,996 83,223 84,027 81,393 81,393 79,554 79,364 80,079 80,989 80,989 85,872 Treasury stock - - - - - - - - - - - - - - - - - -Accumulated OCI (2,764) (7,556) (8,981) (10,973) (6,867) (7,711) (7,711) (7,660) (9,957) (8,615) 1,129 1,129 (884) 416 1,916 1,416 1,416 416 Other (281) (427) (773) (672) (562) (466) (466) (867) (715) (579) (456) (456) (747) (722) (697) (672) (672) (572) Total common equity 99,964 101,262 129,155 127,570 132,771 132,421 132,421 132,005 132,900 135,109 142,394 142,394 139,003 140,138 142,378 142,813 142,813 146,796 Total equity 100,235 101,533 129,426 127,841 133,597 135,272 135,272 134,856 135,751 138,510 146,803 146,803 156,309 164,144 166,384 166,819 166,819 170,802 Total liabilities and equity 1,110,432 1,291,803 1,375,080 1,445,193 1,449,211 1,459,737 1,459,737 1,502,157 1,534,359 1,578,763 1,715,746 1,715,746 1,736,502 1,704,830 1,686,977 1,677,758 1,677,758 1,717,888
Tangible common equity 50,815 52,714 52,203 51,137 57,195 57,337 57,337 57,092 58,335 58,041 54,568 54,568 51,310 52,882 55,550 56,405 56,405 61,989 Tangible common equity (ex. OCI) 53,579 60,270 61,184 62,110 64,062 65,048 65,048 64,752 68,292 66,656 53,439 53,439 52,194 52,466 53,634 54,989 54,989 61,573 Tangible total equity 51,086 52,985 52,474 51,408 58,021 60,188 60,188 59,943 61,186 61,442 58,977 58,977 68,616 76,888 79,556 80,411 80,411 85,995 Tangible total equity (ex. OCI) 53,850 60,541 61,455 62,381 64,888 67,899 67,899 67,603 71,143 70,057 57,848 57,848 69,500 76,472 77,640 78,995 78,995 85,579
ASSETS
Cash and cash equivalents Time deposits & s-t inv Fed funds sold & rev repos Trading account securities Derivative-dealer assets Additional investment
Securities available for sale Held for investment
Total investment securities
Residential mortgage Credit card - domestic Credit card - foreign Home equity lines
Direct/Indirect consumer Other consumer Commercial - domestic Commercial real estate Commercial lease financing Commercial - foreign Total gross loans Allowance for loan losses Net loans
Mortgage servicing rights Other real estate owned Goodwill
Core deposit & other intang Other assets (excl. OREO) Total assets
Total intangible assets Tangible assets
6.8%2
7.9%-12.0% 6.0%-9.6%16.6%-1.5%-13.4%12.5%-1.5%21.7%16.8%-4.7%-0.5%-0.5%-5.0%-10.4%-15.0% 53.5% 3.6%-12.8%31.3%-11.2%7.3%9.0%-13.7%9.3%-32.9%33.3%-15.6%-25.2%0.0%0.0%0.0%-25.2% 2.0% 19.4%64.0%-
8.5%-0.3%-1.5%0.7%-
9.6% 2.3%-5.0% 2.7%-4.1%-4.4%-7.2%-5.0%-5.0%-5.0%-20.4%-10.0% 36.5%40.7%-11.0%15.0% 4.8%8.4%16.2%13.8% 4.7%-1.7%-9.6% 5.9% 2.2%-10.0%-10.0%-10.0%-25.5%-15.0% -17.2%-21.6%-1.8%9.6%-9.4% 1.4%-1.2%7.9%17.9% 3.5%12.4%47.9%46.9%-20.0%-5.0%-5.0% 6.1%-5.0% NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA
193.4%13.8%7.4%-0.9%-17.3%-1.2%-13.0%-6.1%-4.8% 2.6%20.7%10.6%NA NA NA NA NA NA 33.6%-85.8%83.0%-29.1%-6.6%-29.8%-14.9%2212.5%7.6%-47.9%40.2%1715.0%NA NA NA NA NA NA 192.8%13.6%7.4%-0.9%-17.3%-1.2%-13.0%-5.7%-4.7% 2.3%20.7%11.0% 4.2% 1.0%-1.0% 1.0% 5.2%7.0%
26.7% 2.5% 3.1%18.3%-1.7%10.2%32.1% 5.7% 5.8%0.8% 1.2%14.0%-3.2%-2.0%-2.0%-1.0%-8.0% 5.0% 48.6%13.2%10.1%-2.3%-4.5% 1.8% 4.5%-11.0% 4.7% 2.9%12.0%7.5%-8.2%7.0% 3.0% 2.0% 3.2% 5.0%
NA NA NA10.1%15.9%10.7%NA 3.9% 6.8% 6.4%15.1%35.9% 3.8% 4.0% 4.0% 4.0%16.8%10.0% 110.1%23.9% 5.5% 5.1% 4.0%22.8%41.5% 4.4% 5.2% 4.7%13.6%30.6% 3.1% 2.5% 2.0% 2.0%9.9%7.5% 21.2%12.3%21.2%7.5% 6.2%-11.9%22.0%11.9% 6.5% 6.4%9.1%38.5% 4.7% 4.5% 4.0% 3.0%17.2%10.0% -1.6%-9.6%56.6% 3.0%-3.5%-14.7%32.8%-8.3%-1.8%-3.2%-50.5%-56.9%-2.7%-2.0%-2.0%-2.0%-8.4%-10.0% 40.4%15.1% 4.4% 2.1% 3.1% 4.8%15.3%0.6% 2.6%8.2%17.1%30.8%0.1% 2.0% 1.0% 2.0% 5.2%7.0% 66.9%10.7% 1.6% 2.5%-0.4%-2.3% 1.4%-0.2% 2.6%9.3%51.7%69.9% 2.2% 2.0% 1.0% 1.0% 6.4%-5.0% 117.9%-1.9%0.5%0.8% 1.5% 2.7% 5.6%-8.6%0.3% 1.5%10.9% 3.3%-2.0% 1.0% 1.0% 1.0% 1.0% 1.0% 20.3%15.9%12.2%10.7%-16.4%-6.6%-3.0% 4.9%13.1%18.1%0.6%41.0%9.9% 2.0% 2.0% 2.0%16.6%15.0% 40.5%10.0%8.0%7.8%0.2% 5.6%23.1% 2.4% 4.8% 4.6%10.4%24.0%-0.3% 1.4%0.8% 1.2% 3.1% 5.9% 40.0%-6.7%12.7%0.1%-2.3% 1.6%12.1%-3.1% 3.8% 5.2%21.5%28.5%28.5%12.8% 5.7% 2.4%57.0% 5.4% 40.5%10.2%7.9%7.9%0.2% 5.6%23.3% 2.5% 4.9% 4.6%10.3%24.0%-0.7% 1.2%0.7% 1.1% 2.4% 5.9%
-10.2%13.1%9.4% 5.2%-4.3%-1.5%8.5% 3.2%11.7%-2.6%-2.0%9.9% 3.7%12.2% 5.8% 3.2%27.0%17.2% -31.1%-9.8% 4.3%-22.9% 2.7%-9.2%-25.0%29.0%21.3%77.8%82.8%408.7%40.7%31.6%23.1%25.0%184.9%30.0% 295.1%0.2%46.1%-0.3%-0.4%-0.2%44.8%0.1%0.2% 2.4%15.0%18.1%0.4%0.0%0.0%0.0%0.4%0.0% 328.1%-17.8%234.4%-3.2%-5.6%-3.4%195.0%-2.2%-5.4%10.5% 6.9%9.3%-4.6%-4.5%-4.6%-4.7%-17.1%-18.8% 29.5% 4.3%27.7%-0.4%37.9%-25.0%31.5%12.9%-3.3% 4.9%11.6%27.9%7.2%-6.5%0.9%0.9% 2.0% 4.9% 50.8%16.3% 6.4% 5.1%0.3%0.7%13.0% 2.9% 2.1% 2.9%8.7%17.5% 1.2%-1.8%-1.0%-0.5%-2.2% 2.4%
297.5%-1.2%58.5%-0.7%-1.1%-0.7%54.7%-0.2%-0.5% 3.4%14.0%17.0%-0.2%-0.5%-0.5%-0.5%-1.6%-1.9% 46.6%17.1% 4.4% 5.4%0.4%0.8%11.4% 3.1% 2.3% 2.9%8.4%17.6% 1.3%-1.9%-1.1%-0.5%-2.2% 2.6%
LIABILITIES
Nonint bearing deps - dom
Int bearing deps - dom
Nonint bearing deps - for
Int bearing deps - for
Total deposits
Additional borrowed funds
Fed funds purchased & repos Trading account liabilities Derivative-dealer liabilities Comm paper & oth s/t borrow Accr exp and other liabilities Long-term debt
Trust preferred securities
Total liabilities
EQUITY
Preferred stock
Common stock
Retained earnings
Treasury stock
Accumulated OCI
Other
Total common equity
Total equity
Total liabilities and equity
Tangible common equity Tangible common equity (ex. OCI) Tangible total equity
Tangible total equity (ex. OCI)
38.3%9.6%-0.1%-1.2%-4.3% 6.3%0.4%-3.4%-0.9%-4.2%14.0% 4.6% 2.8%0.0% 2.0% 5.0%10.1%10.0%
51.4%-3.1%8.2%-1.2%-0.3% 2.0%8.8% 1.7%-0.7% 3.0%15.4%20.0%0.8% 2.0% 1.0% 2.0% 6.0%7.5%
99.9%18.1%-4.1%-1.6%-35.4% 4.7%-36.1%-26.9%-10.2%31.4%-4.8%-17.8%-11.4% 5.0%0.0%0.0%-6.9% 5.0%
70.3%22.6%26.1% 1.9%0.4%10.1%42.0%-0.5%12.7%-6.3%16.7%22.6%-15.5% 5.0% 3.0% 3.0%-5.8%10.0%
49.4% 2.6%7.5%-0.8%-1.6% 4.1%9.3%-0.1% 1.0%0.0%15.2%16.1%-1.0% 1.9% 1.5% 2.8% 5.2%8.4%
NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA
53.4%101.0%-1.6%9.4%-0.4%-15.7%-9.6%7.8%-5.7%-9.8%11.1% 1.8%-0.8%-16.6%-13.7%-18.3%-41.6%-27.9%
36.5%38.8%0.4%12.5%13.0% 4.2%33.0%14.2%-2.9%16.1%-11.3%14.3%-1.7%-10.0%-10.0%-10.0%-28.3%-15.0%
-26.9%-16.3% 3.6%19.9%-17.4% 6.1%8.9%9.8%40.1%-24.4%17.9%37.2%30.1%-20.0%-5.0%-5.0%-6.1%-5.0%
85.0%47.9%-14.5%37.7%-1.3% 4.6%21.5%11.0% 1.7%26.1%-5.0%35.2%-0.1%-2.0%-2.0%-2.0%-6.0%-5.0%
53.4%-23.2%16.1% 6.0%-2.1%9.5%31.9%-15.9%38.4%-0.3%10.3%28.1%19.6%-4.4% 1.0% 1.0%16.6% 5.0%
28.9% 3.8%22.1% 4.8% 6.7% 6.0%44.8% 4.5%11.0%9.5% 6.5%35.3% 2.7% 1.0% 2.0% 3.0%9.0%7.5%
NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA
46.7%17.8% 4.7% 5.8%-0.1%0.7%11.3% 3.2% 2.3% 3.0%8.9%18.5%0.7%-2.5%-1.3%-0.6%-3.7% 2.4%
401.9%0.0%0.0%0.0%204.8%245.2%952.0%0.0%0.0%19.3%29.6%54.6%292.5%38.7%0.0%0.0%444.5%0.0% 315871.4%-5.7%64.8%-4.2%-2.9%-3.7%47.7%-1.7%-0.3%-0.1%0.1%-2.0% 1.2%0.0%0.0%0.0% 1.2%0.0%
17.0%14.9% 3.9% 4.5% 3.9% 3.6%17.0% 1.2% 4.0% 1.0%-3.1% 3.0%-2.3%-0.2%0.9% 1.1%-0.5% 6.0%
NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA
28.7%173.4%18.9%22.2%-37.4%12.3% 2.1%-0.7%30.0%-13.5%-113.1%-114.6%-178.3%-147.1%360.6%-26.1%25.4%-70.6%
83.7%52.0%81.0%-13.1%-16.4%-17.1%9.1%86.1%-17.5%-19.0%-21.2%-2.1%63.8%-3.3%-3.5%-3.6%47.4%-14.9%
108.6% 1.3%27.5%-1.2% 4.1%-0.3%30.8%-0.3%0.7% 1.7% 5.4%7.5%-2.4%0.8% 1.6%0.3%0.3% 2.8% 108.9% 1.3%27.5%-1.2% 4.5% 1.3%33.2%-0.3%0.7% 2.0% 6.0%8.5% 6.5% 5.0% 1.4%0.3%13.6% 2.4%
50.8%16.3% 6.4% 5.1%0.3%0.7%13.0% 2.9% 2.1% 2.9%8.7%17.5% 1.2%-1.8%-1.0%-0.5%-2.2% 2.4%
42.9% 3.7%-1.0%-2.0%11.8%0.2%8.8%-0.4% 2.2%-0.5%-6.0%-4.8%-6.0% 3.1% 5.0% 1.5% 3.4%9.9%
42.1%12.5% 1.5% 1.5% 3.1% 1.5%7.9%-0.5% 5.5%-2.4%-19.8%-17.8%-2.3%0.5% 2.2% 2.5% 2.9%12.0%
43.4% 3.7%-1.0%-2.0%12.9% 3.7%13.6%-0.4% 2.1%0.4%-4.0%-2.0%16.3%12.1% 3.5% 1.1%36.3% 6.9%
42.6%12.4% 1.5% 1.5% 4.0% 4.6%12.2%-0.4% 5.2%-1.5%-17.4%-14.8%20.1%10.0% 1.5% 1.7%36.6%8.3%。