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Merrill Lynch Bank & Trust Co., FSB, Performance and Condition Ratios
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3352% | 1,061 |
| Cost of funding earning assets | 1.0593% | 7,267 |
| Net interest margin | 5.2758% | 268 |
| Noninterest income to average assets | 1.3431% | 848 |
| Noninterest expense to average assets | 2.1211% | 7,151 |
| Loan and lease loss provision to assets | 0.2121% | 5,289 |
| Net operating income to assets | 2.1528% | 206 |
| Return on assets (ROA) | 2.0178% | 304 |
| Pretax return on assets | 3.3838% | 76 |
| Return on Equity (ROE) | 17.3443% | 512 |
| Retained earnings to average equity (ytd only) | 17.3443% | 98 |
| Net charge-offs to loans | -0.0117% | 7,706 |
| Credit loss provision to net charge-offs | -2,354.9210% | 7,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6171% | 7,978 |
| Assets per employee ($millions) | 15.3530% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2053% | 7,975 |
| Loan loss allowance to noncurrent loans | 16.6458% | 7,260 |
| Noncurrent assets plus other real estate owned to assets | 0.9992% | 5,075 |
| Noncurrent loans to loans | 1.2331% | 4,885 |
| Net loans and leases to total assets | 76.4906% | 1,895 |
| Net loans and leases to deposits | 90.3292% | 2,511 |
| Net loans and leases to core deposits | 102.2354% | 4,132 |
| Total domestic deposits to total assets | 84.6798% | 3,388 |
| Equity capital to assets | 11.3420% | 2,720 |
| Core capital (leverage) ratio | 9.7365% | 3,591 |
| Tier 1 risk-based capital ratio | 14.5675% | 3,242 |
| Total risk-based capital ratio | 15.1404% | 3,555 |
| Memoranda: | ||
| Average total assets | $36,557,803,250 | 43 |
| Average earning assets | $31,102,895,500 | 45 |
| Average equity | $4,253,109,250 | 43 |
| Average total loans | $28,213,790,000 | 34 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4840% | 851 |
| Cost of funding earning assets | 1.1898% | 7,134 |
| Net interest margin | 5.2942% | 245 |
| Noninterest income to average assets | 1.1407% | 1,206 |
| Noninterest expense to average assets | 2.2559% | 6,904 |
| Loan and lease loss provision to assets | 0.2815% | 4,322 |
| Net operating income to assets | 1.9101% | 366 |
| Return on assets (ROA) | 1.7781% | 530 |
| Pretax return on assets | 2.9017% | 116 |
| Return on Equity (ROE) | 15.1484% | 807 |
| Retained earnings to average equity (ytd only) | 15.1484% | 201 |
| Net charge-offs to loans | -0.0067% | 7,563 |
| Credit loss provision to net charge-offs | -5,445.9634% | 7,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8154% | 8,022 |
| Assets per employee ($millions) | 13.9611% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1811% | 8,076 |
| Loan loss allowance to noncurrent loans | 14.8771% | 7,365 |
| Noncurrent assets plus other real estate owned to assets | 1.0445% | 4,881 |
| Noncurrent loans to loans | 1.2173% | 4,776 |
| Net loans and leases to total assets | 80.6213% | 1,207 |
| Net loans and leases to deposits | 97.8849% | 1,537 |
| Net loans and leases to core deposits | 113.8148% | 2,929 |
| Total domestic deposits to total assets | 82.3633% | 4,534 |
| Equity capital to assets | 11.8138% | 2,318 |
| Core capital (leverage) ratio | 9.8317% | 3,477 |
| Tier 1 risk-based capital ratio | 13.7309% | 3,672 |
| Total risk-based capital ratio | 14.4999% | 3,885 |
| Memoranda: | ||
| Average total assets | $35,939,326,000 | 45 |
| Average earning assets | $29,954,653,670 | 48 |
| Average equity | $4,218,539,330 | 45 |
| Average total loans | $27,804,074,330 | 37 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7421% | 540 |
| Cost of funding earning assets | 1.4060% | 6,711 |
| Net interest margin | 5.3361% | 222 |
| Noninterest income to average assets | 1.1574% | 1,096 |
| Noninterest expense to average assets | 2.1000% | 7,115 |
| Loan and lease loss provision to assets | 0.0499% | 6,346 |
| Net operating income to assets | 2.0329% | 332 |
| Return on assets (ROA) | 1.9093% | 469 |
| Pretax return on assets | 3.2240% | 101 |
| Return on Equity (ROE) | 16.3170% | 773 |
| Retained earnings to average equity (ytd only) | 16.3170% | 312 |
| Net charge-offs to loans | -0.0007% | 7,097 |
| Credit loss provision to net charge-offs | -9,240.8163% | 6,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6252% | 8,088 |
| Assets per employee ($millions) | 13.5351% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0170% | 8,165 |
| Loan loss allowance to noncurrent loans | 1.4097% | 7,570 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 4,674 |
| Noncurrent loans to loans | 1.2037% | 4,563 |
| Net loans and leases to total assets | 77.7512% | 1,882 |
| Net loans and leases to deposits | 95.3741% | 2,059 |
| Net loans and leases to core deposits | 108.7756% | 3,589 |
| Total domestic deposits to total assets | 81.5223% | 4,739 |
| Equity capital to assets | 11.8452% | 2,352 |
| Core capital (leverage) ratio | 9.2561% | 4,311 |
| Tier 1 risk-based capital ratio | 12.8133% | 4,315 |
| Total risk-based capital ratio | 12.8409% | 5,219 |
| Memoranda: | ||
| Average total assets | $36,324,951,500 | 46 |
| Average earning assets | $29,309,104,000 | 50 |
| Average equity | $4,250,458,000 | 43 |
| Average total loans | $27,503,918,500 | 38 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3665% | 7,509 |
| Cost of funding earning assets | 2.5157% | 4,113 |
| Net interest margin | 2.8508% | 7,253 |
| Noninterest income to average assets | 1.3153% | 844 |
| Noninterest expense to average assets | 2.5716% | 5,746 |
| Loan and lease loss provision to assets | 1.0895% | 1,328 |
| Net operating income to assets | 0.0117% | 6,337 |
| Return on assets (ROA) | -0.3679% | 6,664 |
| Pretax return on assets | -0.4234% | 6,567 |
| Return on Equity (ROE) | -3.0073% | 6,624 |
| Retained earnings to average equity (ytd only) | -3.0073% | 6,112 |
| Net charge-offs to loans | 0.1809% | 4,379 |
| Credit loss provision to net charge-offs | 856.6232% | 515 |
| Earnings coverage of net charge-offs (x) | 8.6796% | 2,835 |
| Efficiency ratio | 66.4538% | 5,029 |
| Assets per employee ($millions) | 14.2218% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8574% | 6,865 |
| Loan loss allowance to noncurrent loans | 114.9995% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 5,387 |
| Noncurrent loans to loans | 0.7456% | 5,165 |
| Net loans and leases to total assets | 73.2143% | 3,309 |
| Net loans and leases to deposits | 97.4507% | 2,207 |
| Net loans and leases to core deposits | 108.5419% | 3,904 |
| Total domestic deposits to total assets | 75.1296% | 6,421 |
| Equity capital to assets | 11.5698% | 2,590 |
| Core capital (leverage) ratio | 7.3126% | 7,400 |
| Tier 1 risk-based capital ratio | 10.4084% | 6,306 |
| Total risk-based capital ratio | 11.3983% | 6,439 |
| Memoranda: | ||
| Average total assets | $34,753,776,400 | 45 |
| Average earning assets | $28,773,735,200 | 49 |
| Average equity | $4,252,223,000 | 41 |
| Average total loans | $24,428,745,800 | 41 |