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At the risk of asking too many questions on this board, I will post another one:

Can anyone offer advice on using Fool methodologies for evaluating financial institutions?  I keep running into the same problems with them.  For example, how does one take a Foolish flow ratio for financial institutions?

Here is a segment of Synovus's balance sheet.  Can anyone pull a Foolish flow number out of this?

Cash and due from banks                $    557,704              558,054
Interest earning deposits with banks          3,796                3,806
Federal funds sold                           19,142              375,765
Mortgage loans held for sale                184,192              108,234
Investment securities available for sale  2,087,135            1,807,039
Investment securities held to maturity            -              270,889

Loans, net of unearned income            11,852,572           10,751,887
Allowance for loan losses                 (162,117)            (147,867)
                                                                                                                ------------        ------------
      Loans, net                         11,690,455           10,604,020
                                      --------------        ------------
Premises and equipment, net                 551,623              526,988
Other assets                                687,083              653,297
                                      --------------        ------------
      Total assets                     $ 15,781,130           14,908,092
                                      ==============        ============
   Non-interest bearing                $  1,750,644            1,726,817
   Interest bearing                       9,775,130            9,434,893
                                      --------------        ------------
      Total deposits                     11,525,774           11,161,710
Federal funds purchased and securities sold under
      agreement to repurchase             1,211,827            1,039,900
Long-term debt                              935,731              840,859
Other liabilities                           396,014              367,562
                                      --------------        ------------
      Total liabilities                  14,069,346           13,410,031
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