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Bankers Trust Company, Performance and Condition Ratios
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2825% | 1,252 |
| Cost of funding earning assets | 1.9312% | 4,104 |
| Net interest margin | 4.3513% | 1,517 |
| Noninterest income to average assets | 0.2191% | 6,736 |
| Noninterest expense to average assets | 4.9571% | 526 |
| Loan and lease loss provision to assets | 5.9708% | 137 |
| Net operating income to assets | -4.3326% | 7,874 |
| Return on assets (ROA) | -4.3326% | 7,867 |
| Pretax return on assets | -6.6640% | 8,002 |
| Return on Equity (ROE) | -21.2249% | 7,538 |
| Retained earnings to average equity (ytd only) | -21.2249% | 7,492 |
| Net charge-offs to loans | 6.6852% | 142 |
| Credit loss provision to net charge-offs | 104.2833% | 4,407 |
| Earnings coverage of net charge-offs (x) | -0.1211% | 5,815 |
| Efficiency ratio | 116.2577% | 735 |
| Assets per employee ($millions) | 6.5853% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 3,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 6.0908% | 790 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 74.9563% | 2,446 |
| Net loans and leases to deposits | 97.9929% | 1,517 |
| Net loans and leases to core deposits | 176.2452% | 257 |
| Total domestic deposits to total assets | 76.4916% | 6,439 |
| Equity capital to assets | 17.9065% | 560 |
| Core capital (leverage) ratio | 18.4763% | 458 |
| Tier 1 risk-based capital ratio | 21.0353% | 1,387 |
| Total risk-based capital ratio | 22.2841% | 1,361 |
| Memoranda: | ||
| Average total assets | $61,164,670 | 6,404 |
| Average earning assets | $56,856,330 | 6,353 |
| Average equity | $12,485,330 | 4,684 |
| Average total loans | $52,384,670 | 5,662 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2197% | 1,539 |
| Cost of funding earning assets | 1.8159% | 5,043 |
| Net interest margin | 4.4038% | 1,332 |
| Noninterest income to average assets | 0.2652% | 6,327 |
| Noninterest expense to average assets | 5.3587% | 389 |
| Loan and lease loss provision to assets | 4.7670% | 180 |
| Net operating income to assets | -3.6858% | 7,944 |
| Return on assets (ROA) | -3.6858% | 7,937 |
| Pretax return on assets | -5.6715% | 8,030 |
| Return on Equity (ROE) | -16.8953% | 7,670 |
| Retained earnings to average equity (ytd only) | -16.8953% | 7,527 |
| Net charge-offs to loans | 4.0283% | 300 |
| Credit loss provision to net charge-offs | 130.0557% | 3,084 |
| Earnings coverage of net charge-offs (x) | -0.2468% | 5,162 |
| Efficiency ratio | 120.3053% | 622 |
| Assets per employee ($millions) | 4.6780% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 2,928 |
| Loan loss allowance to noncurrent loans | 16.0591% | 7,355 |
| Noncurrent assets plus other real estate owned to assets | 8.5704% | 318 |
| Noncurrent loans to loans | 9.4020% | 331 |
| Net loans and leases to total assets | 89.7787% | 153 |
| Net loans and leases to deposits | 123.0461% | 234 |
| Net loans and leases to core deposits | 248.9195% | 64 |
| Total domestic deposits to total assets | 72.9635% | 7,060 |
| Equity capital to assets | 20.6762% | 378 |
| Core capital (leverage) ratio | 20.9838% | 353 |
| Tier 1 risk-based capital ratio | 21.8008% | 1,323 |
| Total risk-based capital ratio | 23.0488% | 1,293 |
| Memoranda: | ||
| Average total assets | $58,820,500 | 6,513 |
| Average earning assets | $55,951,500 | 6,420 |
| Average equity | $12,832,000 | 4,619 |
| Average total loans | $53,521,500 | 5,658 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8776% | 6,150 |
| Cost of funding earning assets | 1.3335% | 7,808 |
| Net interest margin | 4.5441% | 1,323 |
| Noninterest income to average assets | 0.0534% | 7,875 |
| Noninterest expense to average assets | 9.0861% | 171 |
| Loan and lease loss provision to assets | 2.7981% | 337 |
| Net operating income to assets | -4.9399% | 8,085 |
| Return on assets (ROA) | -4.9399% | 8,074 |
| Pretax return on assets | -7.6006% | 8,183 |
| Return on Equity (ROE) | -14.3456% | 7,556 |
| Retained earnings to average equity (ytd only) | -14.3456% | 7,417 |
| Net charge-offs to loans | 1.2182% | 990 |
| Credit loss provision to net charge-offs | 258.8235% | 1,789 |
| Earnings coverage of net charge-offs (x) | -4.4424% | 6,818 |
| Efficiency ratio | 212.1140% | 187 |
| Assets per employee ($millions) | 4.3713% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 3,722 |
| Loan loss allowance to noncurrent loans | 19.2034% | 7,271 |
| Noncurrent assets plus other real estate owned to assets | 6.1854% | 464 |
| Noncurrent loans to loans | 6.8110% | 461 |
| Net loans and leases to total assets | 89.6282% | 224 |
| Net loans and leases to deposits | 209.5577% | 38 |
| Net loans and leases to core deposits | 439.5323% | 27 |
| Total domestic deposits to total assets | 42.7702% | 8,174 |
| Equity capital to assets | 23.0348% | 313 |
| Core capital (leverage) ratio | 26.1214% | 241 |
| Tier 1 risk-based capital ratio | 24.4289% | 1,040 |
| Total risk-based capital ratio | 25.6795% | 1,022 |
| Memoranda: | ||
| Average total assets | $39,312,750 | 7,245 |
| Average earning assets | $36,596,750 | 7,206 |
| Average equity | $13,537,250 | 4,442 |
| Average total loans | $34,887,500 | 6,436 |