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minimum Tier 1 and Total risk-based capital ratios (as defined in the regulations). Based on the Company’scalculations as of September 30, 2009 and 2008, it exceeded the applicable capital adequacy requirementsas listed below.(dollar amounts in thousands)as of September 30, 2009 2008Capital AdequacyMinimumTier 1 capital ......................................... $5,495,995 $5,108,763 N/ATotal risk-based capital ................................. 5,503,022 5,115,055 N/ATier 1 leverage ratio .................................... 75% 71% 4%Tier 1 risk-based capital ratio ............................ 97% 101% 4%Total risk-based capital ratio ............................. 97% 101% 8%110
Item 9.Item 9A.Changes in and Disagreements with Accountants on Accounting and FinancialDisclosure.Not applicable.Controls and Procedures.The Company’s management evaluated, with the participation of the Company’s principal executiveand principal financial officers, the effectiveness of the Company’s disclosure controls and procedures (asdefined in Rules 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934, as amended (the“Exchange Act”)) as of September 30, 2009. Based on their evaluation, the Company’s principal executiveand principal financial officers concluded that the Company’s disclosure controls and procedures as ofSeptember 30, 2009 were designed and are functioning effectively to provide reasonable assurance that theinformation required to be disclosed by the Company in reports filed under the Exchange Act is(i) recorded, processed, summarized, and reported within the time periods specified in the SEC’s rules andforms, and (ii) accumulated and communicated to management, including the principal executive andprincipal financial officers, as appropriate, to allow timely decisions regarding disclosure.There has been no change in the Company’s internal control over financial reporting (as defined inRules 13a-15(f) and 15d-15(f) under the Exchange Act) that occurred during the Company’s fiscal quarterended September 30, 2009, that has materially affected, or is reasonably likely to materially affect, theCompany’s internal control over financial reporting.Management’s Report on Internal Control over Financial Reporting and the Report of IndependentRegistered Public Accounting Firm are set forth in Item 8 of Part II of this Form 10-K, which isincorporated herein by reference.Item 9B.None.Other Information.111
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G A I N F R O M O U R P E R S P E C
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Letter to StockholdersGregory E. Jo
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LETTER TO STOCKHOLDERSHaving announ
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Directors and OfficersDirectorsChar
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Performance GraphThe following perf
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(MARK ONE)UNITED STATESSECURITIES A
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operational and other services requ
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A. Assets Under Management (“AUM
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60 days. If agreements representing
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Similar arrangements exist with the
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We generally operate our institutio
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Franklin Templeton Variable Insuran
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CATEGORY(and approximate amount of
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The following table sets forth the
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Korea; the Commission de Surveillan
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COMPETITIONThe financial services i
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or other efforts successfully stabi
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and, consequently, we are incurring
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such as information, systems and te
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like our business, is based in part
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orrowing costs and limit our access
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director of various subsidiaries of
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PART IIItem 5. Market for Registran
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OverviewWe are a global investment
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Net income decreased in fiscal year
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Investment Management Fee RateThe f
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accounts closed in a calendar year
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Information Systems, Technology and
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Our investments in sponsored invest
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At September 30, 2009, we had $355.
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Off-Balance Sheet ArrangementsAs of
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The fair value of retained subordin
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Indefinite-lived intangible assets
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the position will be sustained upon
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Page 72 and 73: The following is a summary of the e
Page 74 and 75: Item 8.Financial Statements and Sup
Page 76 and 77: REPORT OF INDEPENDENT REGISTERED PU
Page 78 and 79: CONSOLIDATED BALANCE SHEETS(dollars
Page 80 and 81: CONSOLIDATED STATEMENTS OF STOCKHOL
Page 82 and 83: CONSOLIDATED STATEMENTS OF CASH FLO
Page 84 and 85: Fair Value Measurements. The Compan
Page 86 and 87: Company held interest-rate swap agr
Page 88 and 89: not performed. If the carrying valu
Page 90 and 91: Accumulated Other Comprehensive Inc
Page 92 and 93: acquisition cost was allocated to t
Page 94 and 95: FHLB borrowings and amounts availab
Page 96 and 97: The Company recognized other-than-t
Page 98 and 99: The changes in Level 3 assets measu
Page 100 and 101: Changes in the allowance for loan l
Page 102 and 103: Company sold retained subordinated
Page 104 and 105: Certain of the goodwill and intangi
Page 106 and 107: At September 30, 2009, maturities o
Page 108 and 109: The components of the net deferred
Page 110 and 111: At September 30, 2009, the banking/
Page 112 and 113: Total assets under management of in
Page 114 and 115: Stock OptionsThe following table su
Page 116 and 117: The following tables summarize info
Page 118 and 119: Operating revenues of the banking/f
Page 122 and 123: PART IIIItem 10. Directors, Executi
Page 124 and 125: Item 15.(a)(1)(a)(2)(a)(3)PART IVEx
Page 126 and 127: Exhibit No.Description10.17 Represe
Page 128 and 129: Exhibit No.Description12 Computatio
Page 130 and 131: Exhibit No.DescriptionEXHIBIT INDEX
Page 132 and 133: Exhibit No.Description10.22 Amendme
Page 134 and 135: (dollars in thousands)COMPUTATION O
Page 136 and 137: NameState or Nation ofIncorporation
Page 138 and 139: CONSENT OF INDEPENDENT REGISTERED P
Page 140 and 141: EXHIBIT 31.2CERTIFICATIONI, Kenneth
Page 142 and 143: CERTIFICATION PURSUANT TO 18 U.S.C.
Page 144: One Franklin ParkwaySan Mateo, CA 9
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