Question-->Analyze its financial ratios for year 2006 : ROE, ROA, Equity multiplier, Profit margin, Asset utilization, Net interest margin, Spread and Overhead efficiency. Compare these ratios with an appropriate benchmark.

Fourth Quarter Summary The following table presents operating results for the three months ended December 31, 2006 and 2005. Table 12 Fourth Quarter Summary Successer Three Months Ended December 31, 2006 2005 Change Amount Percent S S $ 295,134 15,200 279,934 128,831 287,821 120,944 35,997 84,947 243,440 6,000 237,440 60,097 215,657 81,880 26,315 55,565 51,694 9,200 42,494 68,734 72,164 39,064 9,682 29,382 21% 153% 18% 114% 33% 48% 37% 53% (3,650) 2,141 (1,509) 83,438 (3,650) 2,141 (1,509) 27,873 NM NM NM 50% $ $ 55,565 $ Condensed Income Statement Net interest income Provision for loan and lease losses Net interest income after loan and lease losses provision Noninterest income(1) Noninterest expense Income before income taxes Provision for income taxes Income from continuing operations Discontinued operations: Loss from discontinued operations Income tax benefit Loss from discontinued operations, net of tax Net income Per Common Share Basic carnings per share: Income from continuing operations Loss from discontinued operations Net income Diluted earnings per share: Income from continuing operations Loss from discontinued operations Net income Financial Ratios Return on average assets(2) Return on average equity (2) Net interest rate spread (2) Net interest margin (fully-taxable equivalent)(2) Noninterest income as a percent of total income Efficiency ratio(3) S 0.32 19% $ $ S 0.38 (0.01) 0.37 $ $ $ 0.06 (0.01) 0.05 $ 0.32 16% $ 0.32 16% $ $ $ 0.37 (0.01) 0.36 $ $ S 0.05 (0.01) 0.04 $ 0.32 13% 0.83% 3.99% 3.40% 3.95% 30.39% 67.89% 0.69% 3.42% 3.57% 3.96% 19.80% 71.05% 14bp 57bp (17)bp (1)bp 1059bp (316)bp CONSOLIDATED BALANCE SHEETS Successor Successor December 31. December 31, 2006 2005 (In thousands, except share data) $ S 758,751 10,507 906,553 471,028 1,789,766 2,505,888 48,457 19,112 4,419,877 64,126 31,398 Assets Cash and due from banks Federal funds sold and other short-term investments Securities purchased under agreements to resell Securities available for sale, at market value Securities held to maturity (fair value of $49,491 in 2006 and $64,487 in 2005 Loans held for sale (fair value $19,135 in 2006 and $31,540 in 2005) Loans and leases: Residential real estate mortgages Commercial real estate mortgages Commercial business loans and leases Consumer loans and leases Credit card receivables Total loans and leases Less: Allowance for loan and lease losses Net loans and leases Premises and equipment, net Goodwill Identifiable intangible assets Bank-owned life insurance Other assets Total assets 2.878,323 6,776,837 4,278,048 6,186,519 2,667,448 8.749,887 6,534,792 7,046,638 462,736 25,461,501 279,638 25,181,863 486,143 6,022,534 727,596 791,489 1,208,656 40,159,085 20,119,727 223,030 19,896,697 331,912 4,547,604 668,365 572,847 793,269 32,095,353 $ $ 2,653,233 7,819,812 5,132,117 63,953 Liabilities and Shareholders' Equity Deposits: Savings accounts Money market and NOW accounts Certificates of deposit Brokered deposits Deposits in foreign office - interest bearing Noninterest-bearing deposits Total deposits Short-term borrowings Long-term debt Deferred tax liability on identifiable intangible assets Other liabilities Total liabilities Commitments and contingencies Shareholders' Equity: Preferred stock (par value $0.01 per share, 5,000,000 shares authorized, none issued) Common stock (par value $0.01 per share, 400,000,000 shares authorized, Issued - 250,910,577 in 2006 and 188,426,630 in 2005) Common stock, Class B (par value $0.01 per share, authorized and issued 1 share in 2006 and 2005) Paid-in capital Retained earnings Uncarned compensation Treasury stock, at cost (22,030,878 shares in 2006 and 14,761,415 shares in 2005) Accumulated other comprehensive loss Total shareholders' equity Total liabilities and shareholders' equity 3,685,872 9,654,755 7,393,218 227,545 153,237 5,890,139 27,004,766 2,223,512 1,423,581 286,069 899,112 31,837,040 4,603,533 20,272,648 3,685,540 1,238,430 261,932 152,930 25,611,480 2,509 1,884 8,743,938 290,185 6,833,677 152,494 (1,131) (686,073) (28,514) 8,322,045 40,159,085 (469,010) (34,041) 6,483,873 32,095,353 Fourth Quarter Summary The following table presents operating results for the three months ended December 31, 2006 and 2005. Table 12 Fourth Quarter Summary Successer Three Months Ended December 31, 2006 2005 Change Amount Percent S S $ 295,134 15,200 279,934 128,831 287,821 120,944 35,997 84,947 243,440 6,000 237,440 60,097 215,657 81,880 26,315 55,565 51,694 9,200 42,494 68,734 72,164 39,064 9,682 29,382 21% 153% 18% 114% 33% 48% 37% 53% (3,650) 2,141 (1,509) 83,438 (3,650) 2,141 (1,509) 27,873 NM NM NM 50% $ $ 55,565 $ Condensed Income Statement Net interest income Provision for loan and lease losses Net interest income after loan and lease losses provision Noninterest income(1) Noninterest expense Income before income taxes Provision for income taxes Income from continuing operations Discontinued operations: Loss from discontinued operations Income tax benefit Loss from discontinued operations, net of tax Net income Per Common Share Basic carnings per share: Income from continuing operations Loss from discontinued operations Net income Diluted earnings per share: Income from continuing operations Loss from discontinued operations Net income Financial Ratios Return on average assets(2) Return on average equity (2) Net interest rate spread (2) Net interest margin (fully-taxable equivalent)(2) Noninterest income as a percent of total income Efficiency ratio(3) S 0.32 19% $ $ S 0.38 (0.01) 0.37 $ $ $ 0.06 (0.01) 0.05 $ 0.32 16% $ 0.32 16% $ $ $ 0.37 (0.01) 0.36 $ $ S 0.05 (0.01) 0.04 $ 0.32 13% 0.83% 3.99% 3.40% 3.95% 30.39% 67.89% 0.69% 3.42% 3.57% 3.96% 19.80% 71.05% 14bp 57bp (17)bp (1)bp 1059bp (316)bp CONSOLIDATED BALANCE SHEETS Successor Successor December 31. December 31, 2006 2005 (In thousands, except share data) $ S 758,751 10,507 906,553 471,028 1,789,766 2,505,888 48,457 19,112 4,419,877 64,126 31,398 Assets Cash and due from banks Federal funds sold and other short-term investments Securities purchased under agreements to resell Securities available for sale, at market value Securities held to maturity (fair value of $49,491 in 2006 and $64,487 in 2005 Loans held for sale (fair value $19,135 in 2006 and $31,540 in 2005) Loans and leases: Residential real estate mortgages Commercial real estate mortgages Commercial business loans and leases Consumer loans and leases Credit card receivables Total loans and leases Less: Allowance for loan and lease losses Net loans and leases Premises and equipment, net Goodwill Identifiable intangible assets Bank-owned life insurance Other assets Total assets 2.878,323 6,776,837 4,278,048 6,186,519 2,667,448 8.749,887 6,534,792 7,046,638 462,736 25,461,501 279,638 25,181,863 486,143 6,022,534 727,596 791,489 1,208,656 40,159,085 20,119,727 223,030 19,896,697 331,912 4,547,604 668,365 572,847 793,269 32,095,353 $ $ 2,653,233 7,819,812 5,132,117 63,953 Liabilities and Shareholders' Equity Deposits: Savings accounts Money market and NOW accounts Certificates of deposit Brokered deposits Deposits in foreign office - interest bearing Noninterest-bearing deposits Total deposits Short-term borrowings Long-term debt Deferred tax liability on identifiable intangible assets Other liabilities Total liabilities Commitments and contingencies Shareholders' Equity: Preferred stock (par value $0.01 per share, 5,000,000 shares authorized, none issued) Common stock (par value $0.01 per share, 400,000,000 shares authorized, Issued - 250,910,577 in 2006 and 188,426,630 in 2005) Common stock, Class B (par value $0.01 per share, authorized and issued 1 share in 2006 and 2005) Paid-in capital Retained earnings Uncarned compensation Treasury stock, at cost (22,030,878 shares in 2006 and 14,761,415 shares in 2005) Accumulated other comprehensive loss Total shareholders' equity Total liabilities and shareholders' equity 3,685,872 9,654,755 7,393,218 227,545 153,237 5,890,139 27,004,766 2,223,512 1,423,581 286,069 899,112 31,837,040 4,603,533 20,272,648 3,685,540 1,238,430 261,932 152,930 25,611,480 2,509 1,884 8,743,938 290,185 6,833,677 152,494 (1,131) (686,073) (28,514) 8,322,045 40,159,085 (469,010) (34,041) 6,483,873 32,095,353