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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 | 4.1201% | 7,866 |
| Cost of funding earning assets | 1.2554% | 6,942 |
| Net interest margin | 2.8647% | 6,874 |
| Noninterest income to average assets | 1.3256% | 874 |
| Noninterest expense to average assets | 2.8565% | 4,699 |
| Loan and lease loss provision to assets | 3.5897% | 388 |
| Net operating income to assets | -1.4451% | 7,218 |
| Return on assets (ROA) | -1.4803% | 7,236 |
| Pretax return on assets | -2.6205% | 7,454 |
| Return on Equity (ROE) | -12.6103% | 7,207 |
| Retained earnings to average equity (ytd only) | -12.6103% | 7,093 |
| Net charge-offs to loans | 3.3471% | 475 |
| Credit loss provision to net charge-offs | 152.1674% | 3,022 |
| Earnings coverage of net charge-offs (x) | 0.4257% | 5,268 |
| Efficiency ratio | 73.3289% | 4,136 |
| Assets per employee ($millions) | 7.8942% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7930% | 145 |
| Loan loss allowance to noncurrent loans | 81.0188% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 4.4370% | 1,271 |
| Noncurrent loans to loans | 5.9159% | 932 |
| Net loans and leases to total assets | 68.6063% | 4,045 |
| Net loans and leases to deposits | 84.2276% | 3,837 |
| Net loans and leases to core deposits | 95.5833% | 4,950 |
| Total domestic deposits to total assets | 81.4534% | 4,913 |
| Equity capital to assets | 11.8402% | 2,299 |
| Core capital (leverage) ratio | 9.4534% | 3,956 |
| Tier 1 risk-based capital ratio | 10.1346% | 6,792 |
| Total risk-based capital ratio | 12.0709% | 5,995 |
| Memoranda: | ||
| Average total assets | $53,066,555,330 | 37 |
| Average earning assets | $46,960,510,000 | 38 |
| Average equity | $6,229,429,000 | 31 |
| Average total loans | $37,401,920,670 | 30 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0768% | 7,955 |
| Cost of funding earning assets | 1.2559% | 7,157 |
| Net interest margin | 2.8208% | 6,951 |
| Noninterest income to average assets | 1.2086% | 985 |
| Noninterest expense to average assets | 2.8061% | 4,537 |
| Loan and lease loss provision to assets | 2.8464% | 391 |
| Net operating income to assets | -0.8356% | 7,147 |
| Return on assets (ROA) | -0.9077% | 7,224 |
| Pretax return on assets | -2.0199% | 7,540 |
| Return on Equity (ROE) | -7.7640% | 7,221 |
| Retained earnings to average equity (ytd only) | -7.7640% | 6,890 |
| Net charge-offs to loans | 3.0336% | 419 |
| Credit loss provision to net charge-offs | 134.5415% | 3,012 |
| Earnings coverage of net charge-offs (x) | 0.4253% | 4,648 |
| Efficiency ratio | 75.0445% | 3,654 |
| Assets per employee ($millions) | 8.0735% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0830% | 206 |
| Loan loss allowance to noncurrent loans | 74.3502% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 3.9561% | 1,303 |
| Noncurrent loans to loans | 5.4916% | 934 |
| Net loans and leases to total assets | 66.3347% | 4,507 |
| Net loans and leases to deposits | 86.8202% | 3,507 |
| Net loans and leases to core deposits | 98.1270% | 4,727 |
| Total domestic deposits to total assets | 76.4046% | 6,430 |
| Equity capital to assets | 11.5860% | 2,536 |
| Core capital (leverage) ratio | 10.5560% | 2,863 |
| Tier 1 risk-based capital ratio | 11.1006% | 5,809 |
| Total risk-based capital ratio | 13.0023% | 5,090 |
| Memoranda: | ||
| Average total assets | $54,153,022,000 | 39 |
| Average earning assets | $47,942,015,000 | 38 |
| Average equity | $6,331,200,500 | 31 |
| Average total loans | $37,765,885,000 | 31 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5604% | 7,177 |
| Cost of funding earning assets | 1.7251% | 7,201 |
| Net interest margin | 3.8353% | 3,871 |
| Noninterest income to average assets | 1.1933% | 1,062 |
| Noninterest expense to average assets | 3.7027% | 1,953 |
| Loan and lease loss provision to assets | 5.2977% | 90 |
| Net operating income to assets | -3.1091% | 7,850 |
| Return on assets (ROA) | -3.1323% | 7,829 |
| Pretax return on assets | -4.4350% | 7,958 |
| Return on Equity (ROE) | -26.6351% | 7,895 |
| Retained earnings to average equity (ytd only) | -26.6351% | 7,843 |
| Net charge-offs to loans | 4.7644% | 111 |
| Credit loss provision to net charge-offs | 146.6232% | 3,598 |
| Earnings coverage of net charge-offs (x) | 0.2478% | 6,080 |
| Efficiency ratio | 61.9114% | 5,970 |
| Assets per employee ($millions) | 7.3488% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7610% | 227 |
| Loan loss allowance to noncurrent loans | 71.9654% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 3.8247% | 1,112 |
| Noncurrent loans to loans | 5.2261% | 811 |
| Net loans and leases to total assets | 67.6760% | 4,519 |
| Net loans and leases to deposits | 91.6400% | 3,194 |
| Net loans and leases to core deposits | 101.9424% | 4,620 |
| Total domestic deposits to total assets | 73.8498% | 6,677 |
| Equity capital to assets | 11.7968% | 2,434 |
| Core capital (leverage) ratio | 10.1971% | 3,274 |
| Tier 1 risk-based capital ratio | 10.7994% | 5,919 |
| Total risk-based capital ratio | 12.6905% | 5,197 |
| Memoranda: | ||
| Average total assets | $53,945,394,800 | 37 |
| Average earning assets | $47,888,286,800 | 35 |
| Average equity | $6,344,009,000 | 29 |
| Average total loans | $40,909,570,800 | 30 |