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Chittenden Trust Company, Performance and Condition Ratios
| 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 | 5.3800% | 7,488 |
| Cost of funding earning assets | 1.4876% | 7,628 |
| Net interest margin | 3.8924% | 3,594 |
| Noninterest income to average assets | 1.8507% | 394 |
| Noninterest expense to average assets | 3.6728% | 2,002 |
| Loan and lease loss provision to assets | 0.0871% | 6,294 |
| Net operating income to assets | 0.9679% | 2,705 |
| Return on assets (ROA) | 1.1694% | 1,805 |
| Pretax return on assets | 1.6675% | 1,220 |
| Return on Equity (ROE) | 7.7690% | 3,166 |
| Retained earnings to average equity (ytd only) | 7.7690% | 910 |
| Net charge-offs to loans | 0.1552% | 4,644 |
| Credit loss provision to net charge-offs | 80.3748% | 5,895 |
| Earnings coverage of net charge-offs (x) | 13.5354% | 2,123 |
| Efficiency ratio | 64.7509% | 5,384 |
| Assets per employee ($millions) | 3.5284% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 4,888 |
| Loan loss allowance to noncurrent loans | 121.5605% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.6531% | 5,264 |
| Noncurrent loans to loans | 0.9493% | 4,706 |
| Net loans and leases to total assets | 64.0702% | 5,259 |
| Net loans and leases to deposits | 94.0961% | 2,744 |
| Net loans and leases to core deposits | 104.6433% | 4,340 |
| Total domestic deposits to total assets | 68.0902% | 7,460 |
| Equity capital to assets | 16.1685% | 898 |
| Core capital (leverage) ratio | 7.3764% | 7,329 |
| Tier 1 risk-based capital ratio | 9.1166% | 7,699 |
| Total risk-based capital ratio | 10.1382% | 7,885 |
| Memoranda: | ||
| Average total assets | $3,545,566,200 | 229 |
| Average earning assets | $2,995,701,600 | 240 |
| Average equity | $533,701,000 | 179 |
| Average total loans | $2,475,163,800 | 232 |