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Benjamin Franklin Bank, Performance and Condition Ratios
| 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 | 5.2899% | 5,938 |
| Cost of funding earning assets | 2.1896% | 3,216 |
| Net interest margin | 3.1003% | 6,201 |
| Noninterest income to average assets | 0.4860% | 4,451 |
| Noninterest expense to average assets | 3.3477% | 2,505 |
| Loan and lease loss provision to assets | 0.9088% | 1,442 |
| Net operating income to assets | -0.7597% | 7,105 |
| Return on assets (ROA) | -0.5554% | 6,979 |
| Pretax return on assets | -0.7441% | 6,994 |
| Return on Equity (ROE) | -5.5195% | 7,022 |
| Retained earnings to average equity (ytd only) | -7.9647% | 6,911 |
| Net charge-offs to loans | 0.2507% | 3,152 |
| Credit loss provision to net charge-offs | 521.3793% | 1,052 |
| Earnings coverage of net charge-offs (x) | -0.6184% | 5,289 |
| Efficiency ratio | 101.6696% | 1,063 |
| Assets per employee ($millions) | 6.4855% | 967 |
| Cash dividends to net income (ytd only)* | -44.3001% | 8,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 3,435 |
| Loan loss allowance to noncurrent loans | 84.1334% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.1617% | 4,348 |
| Noncurrent loans to loans | 1.6786% | 3,739 |
| Net loans and leases to total assets | 68.2291% | 4,079 |
| Net loans and leases to deposits | 97.9927% | 1,667 |
| Net loans and leases to core deposits | 112.7112% | 3,140 |
| Total domestic deposits to total assets | 69.6267% | 7,461 |
| Equity capital to assets | 9.9593% | 4,041 |
| Core capital (leverage) ratio | 6.6066% | 7,834 |
| Tier 1 risk-based capital ratio | 8.8181% | 7,873 |
| Total risk-based capital ratio | 10.0699% | 7,923 |
| Memoranda: | ||
| Average total assets | $998,287,500 | 689 |
| Average earning assets | $886,747,500 | 710 |
| Average equity | $100,443,000 | 670 |
| Average total loans | $693,985,500 | 717 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8822% | 6,126 |
| Cost of funding earning assets | 2.6606% | 3,368 |
| Net interest margin | 3.2216% | 6,298 |
| Noninterest income to average assets | 0.5285% | 4,399 |
| Noninterest expense to average assets | 2.5665% | 5,765 |
| Loan and lease loss provision to assets | 0.2390% | 4,512 |
| Net operating income to assets | 0.3605% | 5,313 |
| Return on assets (ROA) | 0.3605% | 5,112 |
| Pretax return on assets | 0.5507% | 4,849 |
| Return on Equity (ROE) | 3.4844% | 5,046 |
| Retained earnings to average equity (ytd only) | -1.3799% | 5,701 |
| Net charge-offs to loans | 0.0239% | 6,513 |
| Credit loss provision to net charge-offs | 1,454.4304% | 310 |
| Earnings coverage of net charge-offs (x) | 48.0633% | 783 |
| Efficiency ratio | 74.5283% | 3,488 |
| Assets per employee ($millions) | 6.3555% | 956 |
| Cash dividends to net income (ytd only)* | 139.6020% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 5,003 |
| Loan loss allowance to noncurrent loans | 87.8462% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 4,583 |
| Noncurrent loans to loans | 1.2954% | 3,922 |
| Net loans and leases to total assets | 69.0344% | 4,249 |
| Net loans and leases to deposits | 104.7160% | 1,269 |
| Net loans and leases to core deposits | 121.6018% | 2,546 |
| Total domestic deposits to total assets | 65.9253% | 7,666 |
| Equity capital to assets | 10.1639% | 3,848 |
| Core capital (leverage) ratio | 6.7798% | 7,826 |
| Tier 1 risk-based capital ratio | 9.3396% | 7,477 |
| Total risk-based capital ratio | 10.5055% | 7,505 |
| Memoranda: | ||
| Average total assets | $961,656,400 | 687 |
| Average earning assets | $844,094,800 | 714 |
| Average equity | $99,500,600 | 667 |
| Average total loans | $660,960,200 | 716 |