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Fifth Third Bank, 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 | 6.9521% | 349 |
| Cost of funding earning assets | 1.9949% | 3,804 |
| Net interest margin | 4.9572% | 477 |
| Noninterest income to average assets | 0.4877% | 4,555 |
| Noninterest expense to average assets | 2.8726% | 4,617 |
| Loan and lease loss provision to assets | 4.6169% | 240 |
| Net operating income to assets | -2.0429% | 7,440 |
| Return on assets (ROA) | -2.0429% | 7,432 |
| Pretax return on assets | -3.3387% | 7,642 |
| Return on Equity (ROE) | -7.5383% | 6,856 |
| Retained earnings to average equity (ytd only) | -7.5383% | 6,623 |
| Net charge-offs to loans | 3.3460% | 476 |
| Credit loss provision to net charge-offs | 222.5520% | 2,061 |
| Earnings coverage of net charge-offs (x) | 0.6162% | 5,093 |
| Efficiency ratio | 61.5540% | 6,308 |
| Assets per employee ($millions) | 7.7004% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5350% | 170 |
| Loan loss allowance to noncurrent loans | 54.1012% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 5.8927% | 827 |
| Noncurrent loans to loans | 8.3824% | 500 |
| Net loans and leases to total assets | 59.9992% | 5,679 |
| Net loans and leases to deposits | 84.4473% | 3,803 |
| Net loans and leases to core deposits | 119.4537% | 2,416 |
| Total domestic deposits to total assets | 71.0493% | 7,359 |
| Equity capital to assets | 27.6379% | 162 |
| Core capital (leverage) ratio | 11.0429% | 2,369 |
| Tier 1 risk-based capital ratio | 13.3237% | 3,919 |
| Total risk-based capital ratio | 14.6084% | 3,833 |
| Memoranda: | ||
| Average total assets | $7,136,938,670 | 144 |
| Average earning assets | $5,273,809,670 | 168 |
| Average equity | $1,934,187,000 | 66 |
| Average total loans | $4,424,868,330 | 147 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2137% | 247 |
| Cost of funding earning assets | 1.9837% | 4,214 |
| Net interest margin | 5.2300% | 269 |
| Noninterest income to average assets | 0.7968% | 2,346 |
| Noninterest expense to average assets | 2.8225% | 4,461 |
| Loan and lease loss provision to assets | 4.5389% | 199 |
| Net operating income to assets | -1.7369% | 7,583 |
| Return on assets (ROA) | -1.7369% | 7,586 |
| Pretax return on assets | -2.6837% | 7,698 |
| Return on Equity (ROE) | -6.4693% | 7,104 |
| Retained earnings to average equity (ytd only) | -6.4693% | 6,738 |
| Net charge-offs to loans | 2.5549% | 540 |
| Credit loss provision to net charge-offs | 288.4079% | 1,677 |
| Earnings coverage of net charge-offs (x) | 1.1788% | 4,162 |
| Efficiency ratio | 53.3694% | 7,282 |
| Assets per employee ($millions) | 8.5573% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5703% | 308 |
| Loan loss allowance to noncurrent loans | 51.9175% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 4.4915% | 1,076 |
| Noncurrent loans to loans | 6.8768% | 597 |
| Net loans and leases to total assets | 57.5288% | 6,016 |
| Net loans and leases to deposits | 85.4372% | 3,727 |
| Net loans and leases to core deposits | 120.4669% | 2,380 |
| Total domestic deposits to total assets | 67.3346% | 7,648 |
| Equity capital to assets | 25.9932% | 201 |
| Core capital (leverage) ratio | 11.5187% | 2,134 |
| Tier 1 risk-based capital ratio | 13.0957% | 4,127 |
| Total risk-based capital ratio | 14.3694% | 4,013 |
| Memoranda: | ||
| Average total assets | $7,274,901,500 | 144 |
| Average earning assets | $5,398,313,000 | 164 |
| Average equity | $1,953,159,500 | 65 |
| Average total loans | $4,481,248,000 | 148 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.0240% | 21 |
| Cost of funding earning assets | 1.9334% | 6,633 |
| Net interest margin | 12.0906% | 18 |
| Noninterest income to average assets | 1.1988% | 1,043 |
| Noninterest expense to average assets | 8.9980% | 176 |
| Loan and lease loss provision to assets | 2.5912% | 396 |
| Net operating income to assets | -3.6899% | 7,940 |
| Return on assets (ROA) | -3.6899% | 7,918 |
| Pretax return on assets | -2.0459% | 7,448 |
| Return on Equity (ROE) | -12.8456% | 7,488 |
| Retained earnings to average equity (ytd only) | -12.8456% | 7,319 |
| Net charge-offs to loans | 1.5917% | 717 |
| Credit loss provision to net charge-offs | 260.2545% | 1,780 |
| Earnings coverage of net charge-offs (x) | 0.5477% | 5,904 |
| Efficiency ratio | 27.5289% | 8,240 |
| Assets per employee ($millions) | 7.6387% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3213% | 831 |
| Loan loss allowance to noncurrent loans | 44.0826% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 3.6423% | 1,205 |
| Noncurrent loans to loans | 5.2659% | 804 |
| Net loans and leases to total assets | 62.1591% | 5,602 |
| Net loans and leases to deposits | 95.4156% | 2,544 |
| Net loans and leases to core deposits | 124.3798% | 2,295 |
| Total domestic deposits to total assets | 65.1456% | 7,712 |
| Equity capital to assets | 27.7456% | 202 |
| Core capital (leverage) ratio | 11.8859% | 2,033 |
| Tier 1 risk-based capital ratio | 13.8199% | 3,638 |
| Total risk-based capital ratio | 15.0810% | 3,555 |
| Memoranda: | ||
| Average total assets | $5,588,170,600 | 172 |
| Average earning assets | $3,856,749,600 | 196 |
| Average equity | $1,605,214,600 | 72 |
| Average total loans | $3,495,582,000 | 180 |