Benchmarks: Banks

	Industry Exceeds S&P	Industry	Sector	S&P 500
Profitability
Gross Margin, TTM		0.00%	2.69%	27.38%
Gross Margin, 5 Year		0.00%	5.52%	27.04%
EBITD Margin, TTM		0.00%	-1.31%	13.35%
EBITD, 5 Year		0.00%	3.01%	15.64%
Operating Margin, TTM		12.87%	10.15%	8.56%
Operating Margin, 5 Year		25.35%	21.03%	19.99%
Pre-Tax Margin, TTM		12.86%	6.15%	7.75%
Pre-Tax Margin, 5 Year		24.99%	20.76%	19.68%
Net Margin, TTM		10.27%	4.84%	6.23%
Net Margin, 5 Year		18.97%	15.91%	13.94%

Growth
	Industry Exceeds S&P	Industry	Sector	S&P 500
Sales, TTM over previous TTM		4.51%	2.41%	-5.14%
Sales, 5 Year		18.98%	12.02%	15.59%
Net Margin, 5 Year		-5.71%	-4.11%	-5.27%
Capital Spending, 5 Year		9.67%	11.80%	19.44%

Operational Efficiency
	Industry Exceeds S&P	Industry	Sector	S&P 500
Revenue/Employee		$0.00	$1,858,814.28	$476,510.24
Net Income/Employee		$0.00	$-266,860.70	$31,211.19
SGA/Sales		0.00	1.75	10.99
Receivable Turnover		0.00	3.52	6.98
Inventory Turnover		0.00	8.21	6.76
Asset Turnover		0.00	0.03	0.52

Financial
	Industry Exceeds S&P	Industry	Sector	S&P 500
Returns
Return of Average Assets, TTM		0.73%	0.14%	3.70%
Return of Average Assets, 5 Year Average		1.40%	1.13%	5.33%
Return of Average Equity, TTM		8.11%	3.50%	8.85%
Return of Average Equity, 5 Year Average		16.58%	11.36%	15.33%
Return on Investment, TTM		0.00%	-0.36%	5.06%
Return on Investment, 5 Year Average		0.00%	0.45%	6.87%
Liquidity
Quick Ratio -qtr		0.00	1.59	0.86
Current Ratio -qtr		0.00	1.93	1.02
Solvency
LT Debt/Equity		84.40	82.48	128.97
Total Debt/Equity		215.95	228.01	198.46
Interest Coverage		0.00	0.37	26.82
Tax
Effective Tax Rate, TTM		54.08%	48.13%	15.07%
Effective Tax Rate, 5 Year		24.89%	28.83%	28.34%