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Chevy Chase Bank, F.S.B., 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 | 3.4664% | 8,033 |
| Cost of funding earning assets | 1.2056% | 7,088 |
| Net interest margin | 2.2608% | 7,707 |
| Noninterest income to average assets | 1.2336% | 1,014 |
| Noninterest expense to average assets | 3.6097% | 2,043 |
| Loan and lease loss provision to assets | 1.2199% | 1,410 |
| Net operating income to assets | -1.1380% | 7,079 |
| Return on assets (ROA) | -1.1759% | 7,107 |
| Pretax return on assets | -1.8990% | 7,248 |
| Return on Equity (ROE) | -8.4740% | 6,930 |
| Retained earnings to average equity (ytd only) | -8.6763% | 6,737 |
| Net charge-offs to loans | 1.5903% | 1,189 |
| Credit loss provision to net charge-offs | 113.0837% | 4,101 |
| Earnings coverage of net charge-offs (x) | -0.5905% | 6,119 |
| Efficiency ratio | 111.0413% | 826 |
| Assets per employee ($millions) | 5.3142% | 1,755 |
| Cash dividends to net income (ytd only)* | -2.3866% | 7,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0248% | 8,111 |
| Loan loss allowance to noncurrent loans | 0.2694% | 7,562 |
| Noncurrent assets plus other real estate owned to assets | 6.9157% | 626 |
| Noncurrent loans to loans | 9.2047% | 420 |
| Net loans and leases to total assets | 65.6175% | 4,643 |
| Net loans and leases to deposits | 87.3840% | 3,283 |
| Net loans and leases to core deposits | 98.6572% | 4,633 |
| Total domestic deposits to total assets | 75.0909% | 6,746 |
| Equity capital to assets | 18.9139% | 464 |
| Core capital (leverage) ratio | 6.5450% | 7,775 |
| Tier 1 risk-based capital ratio | 11.3545% | 5,549 |
| Total risk-based capital ratio | 11.3871% | 6,712 |
| Memoranda: | ||
| Average total assets | $17,616,574,670 | 70 |
| Average earning assets | $13,551,278,330 | 77 |
| Average equity | $2,444,601,330 | 59 |
| Average total loans | $11,949,749,000 | 70 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7521% | 8,047 |
| Cost of funding earning assets | 1.8124% | 5,058 |
| Net interest margin | 1.9398% | 7,919 |
| Noninterest income to average assets | 0.7254% | 2,733 |
| Noninterest expense to average assets | 3.4858% | 2,138 |
| Loan and lease loss provision to assets | 2.4477% | 475 |
| Net operating income to assets | -2.2497% | 7,716 |
| Return on assets (ROA) | -2.2882% | 7,722 |
| Pretax return on assets | -3.7089% | 7,871 |
| Return on Equity (ROE) | -20.4941% | 7,765 |
| Retained earnings to average equity (ytd only) | -21.0096% | 7,677 |
| Net charge-offs to loans | 3.2287% | 390 |
| Credit loss provision to net charge-offs | 109.8458% | 3,509 |
| Earnings coverage of net charge-offs (x) | -0.5547% | 5,275 |
| Efficiency ratio | 152.6456% | 340 |
| Assets per employee ($millions) | 5.1055% | 1,952 |
| Cash dividends to net income (ytd only)* | -2.5156% | 8,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,168 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,576 |
| Noncurrent assets plus other real estate owned to assets | 6.2126% | 621 |
| Noncurrent loans to loans | 7.8990% | 457 |
| Net loans and leases to total assets | 65.8601% | 4,615 |
| Net loans and leases to deposits | 85.9705% | 3,636 |
| Net loans and leases to core deposits | 98.7606% | 4,667 |
| Total domestic deposits to total assets | 76.6078% | 6,379 |
| Equity capital to assets | 16.4885% | 797 |
| Core capital (leverage) ratio | 6.0589% | 7,992 |
| Tier 1 risk-based capital ratio | 10.5119% | 6,385 |
| Total risk-based capital ratio | 10.5119% | 7,598 |
| Memoranda: | ||
| Average total assets | $17,178,068,500 | 74 |
| Average earning assets | $13,499,183,000 | 77 |
| Average equity | $1,917,976,000 | 68 |
| Average total loans | $11,855,608,000 | 71 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4033% | 7,453 |
| Cost of funding earning assets | 2.1979% | 5,611 |
| Net interest margin | 3.2054% | 6,349 |
| Noninterest income to average assets | 3.0466% | 196 |
| Noninterest expense to average assets | 4.0064% | 1,412 |
| Loan and lease loss provision to assets | 2.5975% | 393 |
| Net operating income to assets | -0.4571% | 6,889 |
| Return on assets (ROA) | -0.4143% | 6,715 |
| Pretax return on assets | -0.7026% | 6,813 |
| Return on Equity (ROE) | -7.6019% | 7,105 |
| Retained earnings to average equity (ytd only) | -8.7957% | 6,951 |
| Net charge-offs to loans | 1.6737% | 666 |
| Credit loss provision to net charge-offs | 201.0070% | 2,421 |
| Earnings coverage of net charge-offs (x) | 1.4146% | 5,414 |
| Efficiency ratio | 67.8446% | 4,750 |
| Assets per employee ($millions) | 4.2109% | 3,095 |
| Cash dividends to net income (ytd only)* | -15.7043% | 7,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0665% | 1,125 |
| Loan loss allowance to noncurrent loans | 33.5381% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 5.2755% | 633 |
| Noncurrent loans to loans | 6.1617% | 563 |
| Net loans and leases to total assets | 71.1262% | 3,765 |
| Net loans and leases to deposits | 83.7241% | 4,464 |
| Net loans and leases to core deposits | 95.2599% | 5,319 |
| Total domestic deposits to total assets | 84.9531% | 2,865 |
| Equity capital to assets | 5.0742% | 8,182 |
| Core capital (leverage) ratio | 5.5525% | 8,153 |
| Tier 1 risk-based capital ratio | 8.4580% | 8,003 |
| Total risk-based capital ratio | 11.3579% | 6,485 |
| Memoranda: | ||
| Average total assets | $15,369,720,000 | 82 |
| Average earning assets | $13,367,781,400 | 82 |
| Average equity | $837,645,000 | 134 |
| Average total loans | $11,866,805,600 | 72 |