The following table shows changes in bad loans and in provisions for bad loans, from 2005 to 2006, for 19 lending institutions. Verify the reported averages, and find the medians. Which measure is more meaningful, in your opinion? Also find the standard deviation and identify outliers for change in bad loans and change in provision for bad loans.

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Menacing Loans Change in Bad Loans 12/06 vs. 12/05 Change in Provisions for Bad Loans Bank/Assets Billions Bank of America (1,459.0) Wachovia (707.1) Wells Fargo (481.9) Suntrust Banks (182.2) Bank of Nw York (103.4) Fifth Third Bancorp (100.7) Northern Trust (60.7) Comerica (58.0) M&T Bank (57.0) Marshall & Isley (56.2) Commerce Bancorp ($45.3) TD Banknorth (40.2) First Horizon National (37.9) Huntington Bancshares (35.3) Compass Bancshares (34.2) Synovus Financial (31.9) Associated Banc-Corp (21.0) Mercantile Bankshares (17.72) W Holding (17.2) 12.1% 23.3 -2.8 16.8% 91.7 24.5 123.5 42.3 19.7 15.2 55.1 44.9 96.5 45.5 116.9 79.2 22.9 17.3 17.6 43.4 37.2 159.1 11.00 12.0 12.0 15.6 13.8 25.4 14.0 8.9 8.6 0.0 -8.7 37.3 Average (149.30)