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Merrill Lynch Bank USA, 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 | 2.7373% | 8,094 |
| Cost of funding earning assets | 0.2906% | 8,103 |
| Net interest margin | 2.4467% | 7,528 |
| Noninterest income to average assets | 1.5566% | 619 |
| Noninterest expense to average assets | 0.8906% | 8,142 |
| Loan and lease loss provision to assets | 0.3079% | 4,107 |
| Net operating income to assets | 1.6443% | 625 |
| Return on assets (ROA) | 1.7588% | 547 |
| Pretax return on assets | 2.7164% | 149 |
| Return on Equity (ROE) | 16.4679% | 648 |
| Retained earnings to average equity (ytd only) | 16.4679% | 147 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.6026% | 8,137 |
| Assets per employee ($millions) | 101.6369% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4817% | 7,810 |
| Loan loss allowance to noncurrent loans | 14.5461% | 7,374 |
| Noncurrent assets plus other real estate owned to assets | 1.0447% | 4,880 |
| Noncurrent loans to loans | 3.3112% | 2,127 |
| Net loans and leases to total assets | 30.4173% | 7,875 |
| Net loans and leases to deposits | 35.7879% | 7,903 |
| Net loans and leases to core deposits | 35.9104% | 7,980 |
| Total domestic deposits to total assets | 84.9931% | 3,261 |
| Equity capital to assets | 13.1181% | 1,651 |
| Core capital (leverage) ratio | 9.1393% | 4,402 |
| Tier 1 risk-based capital ratio | 17.2161% | 2,228 |
| Total risk-based capital ratio | 17.5149% | 2,472 |
| Memoranda: | ||
| Average total assets | $65,014,999,330 | 31 |
| Average earning assets | $57,982,908,000 | 29 |
| Average equity | $6,943,831,670 | 29 |
| Average total loans | $22,582,913,330 | 43 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8169% | 8,149 |
| Cost of funding earning assets | 0.3841% | 8,139 |
| Net interest margin | 2.4328% | 7,583 |
| Noninterest income to average assets | 2.1043% | 332 |
| Noninterest expense to average assets | 0.8227% | 8,192 |
| Loan and lease loss provision to assets | 0.0218% | 6,624 |
| Net operating income to assets | 2.1555% | 253 |
| Return on assets (ROA) | 2.1572% | 293 |
| Pretax return on assets | 3.4161% | 86 |
| Return on Equity (ROE) | 23.0085% | 267 |
| Retained earnings to average equity (ytd only) | 23.0085% | 112 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.3281% | 8,195 |
| Assets per employee ($millions) | 93.2006% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0155% | 8,166 |
| Loan loss allowance to noncurrent loans | 0.5228% | 7,574 |
| Noncurrent assets plus other real estate owned to assets | 1.0473% | 4,596 |
| Noncurrent loans to loans | 2.9670% | 2,201 |
| Net loans and leases to total assets | 34.2859% | 7,796 |
| Net loans and leases to deposits | 40.2633% | 7,833 |
| Net loans and leases to core deposits | 40.4066% | 7,972 |
| Total domestic deposits to total assets | 85.1541% | 3,132 |
| Equity capital to assets | 13.1440% | 1,682 |
| Core capital (leverage) ratio | 8.7169% | 5,123 |
| Tier 1 risk-based capital ratio | 14.5792% | 3,271 |
| Total risk-based capital ratio | 14.5897% | 3,883 |
| Memoranda: | ||
| Average total assets | $63,524,972,000 | 33 |
| Average earning assets | $56,238,640,000 | 33 |
| Average equity | $5,955,921,000 | 32 |
| Average total loans | $23,483,191,500 | 44 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6135% | 8,006 |
| Cost of funding earning assets | 1.6122% | 7,422 |
| Net interest margin | 3.0013% | 6,915 |
| Noninterest income to average assets | 2.2262% | 294 |
| Noninterest expense to average assets | 1.3638% | 8,091 |
| Loan and lease loss provision to assets | 1.3376% | 1,060 |
| Net operating income to assets | 1.7610% | 592 |
| Return on assets (ROA) | -6.0072% | 8,147 |
| Pretax return on assets | -9.8842% | 8,242 |
| Return on Equity (ROE) | -102.9815% | 8,278 |
| Retained earnings to average equity (ytd only) | -102.9815% | 8,275 |
| Net charge-offs to loans | 0.7190% | 1,717 |
| Credit loss provision to net charge-offs | 447.7991% | 979 |
| Earnings coverage of net charge-offs (x) | 11.8842% | 2,317 |
| Efficiency ratio | 27.7561% | 8,239 |
| Assets per employee ($millions) | 72.1231% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4157% | 303 |
| Loan loss allowance to noncurrent loans | 285.3646% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 5,674 |
| Noncurrent loans to loans | 1.1970% | 4,117 |
| Net loans and leases to total assets | 38.4319% | 7,748 |
| Net loans and leases to deposits | 44.3014% | 7,838 |
| Net loans and leases to core deposits | 44.4648% | 7,992 |
| Total domestic deposits to total assets | 86.7509% | 2,065 |
| Equity capital to assets | 5.3983% | 8,144 |
| Core capital (leverage) ratio | 6.9796% | 7,711 |
| Tier 1 risk-based capital ratio | 11.1474% | 5,601 |
| Total risk-based capital ratio | 12.4249% | 5,450 |
| Memoranda: | ||
| Average total assets | $64,526,291,200 | 31 |
| Average earning assets | $57,777,683,800 | 28 |
| Average equity | $3,764,022,600 | 48 |
| Average total loans | $26,804,821,600 | 39 |