Home > Community FirstBank of Charleston > Performance and Condition Ratios
Community FirstBank of Charleston, Performance and Condition Ratios
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9494% | 3,399 |
| Cost of funding earning assets | 1.4079% | 1,384 |
| Net interest margin | 3.5415% | 4,964 |
| Noninterest income to average assets | 3.8180% | 177 |
| Noninterest expense to average assets | 4.8764% | 407 |
| Loan and lease loss provision to assets | 0.5662% | 1,709 |
| Net operating income to assets | 0.9975% | 2,237 |
| Return on assets (ROA) | 0.8021% | 3,189 |
| Pretax return on assets | 1.2905% | 2,164 |
| Return on Equity (ROE) | 9.9203% | 2,144 |
| Retained earnings to average equity (ytd only) | 9.9203% | 861 |
| Net charge-offs to loans | 1.4347% | 1,047 |
| Credit loss provision to net charge-offs | 54.8647% | 4,459 |
| Earnings coverage of net charge-offs (x) | 2.0951% | 3,806 |
| Efficiency ratio | 69.2819% | 4,266 |
| Assets per employee ($millions) | 3.1081% | 5,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8499% | 2,827 |
| Loan loss allowance to noncurrent loans | 34.2572% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 4.8593% | 1,269 |
| Noncurrent loans to loans | 5.4000% | 1,174 |
| Net loans and leases to total assets | 70.8070% | 2,050 |
| Net loans and leases to deposits | 95.3132% | 777 |
| Net loans and leases to core deposits | 101.9630% | 1,179 |
| Total domestic deposits to total assets | 74.2888% | 6,807 |
| Equity capital to assets | 8.6863% | 5,957 |
| Core capital (leverage) ratio | 9.0134% | 4,698 |
| Tier 1 risk-based capital ratio | 12.1500% | 5,669 |
| Total risk-based capital ratio | 14.4515% | 4,747 |
| Memoranda: | ||
| Average total assets | $529,855,670 | 1,266 |
| Average earning assets | $481,836,000 | 1,274 |
| Average equity | $42,841,330 | 1,560 |
| Average total loans | $381,129,330 | 1,146 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 3,087 |
| Cost of funding earning assets | 1.4297% | 1,471 |
| Net interest margin | 3.5762% | 4,681 |
| Noninterest income to average assets | 3.9174% | 169 |
| Noninterest expense to average assets | 4.9812% | 369 |
| Loan and lease loss provision to assets | 0.2586% | 3,072 |
| Net operating income to assets | 1.2122% | 1,496 |
| Return on assets (ROA) | 0.9795% | 2,306 |
| Pretax return on assets | 1.5683% | 1,260 |
| Return on Equity (ROE) | 12.5512% | 1,313 |
| Retained earnings to average equity (ytd only) | 12.5512% | 661 |
| Net charge-offs to loans | 1.0521% | 1,299 |
| Credit loss provision to net charge-offs | 34.2131% | 4,048 |
| Earnings coverage of net charge-offs (x) | 2.8983% | 2,927 |
| Efficiency ratio | 69.4582% | 4,388 |
| Assets per employee ($millions) | 3.1310% | 5,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0244% | 2,342 |
| Loan loss allowance to noncurrent loans | 31.3093% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 5.4086% | 1,131 |
| Noncurrent loans to loans | 6.4658% | 929 |
| Net loans and leases to total assets | 68.1800% | 2,509 |
| Net loans and leases to deposits | 90.7723% | 1,147 |
| Net loans and leases to core deposits | 100.0378% | 1,333 |
| Total domestic deposits to total assets | 75.1110% | 6,774 |
| Equity capital to assets | 8.2894% | 6,175 |
| Core capital (leverage) ratio | 8.5576% | 5,338 |
| Tier 1 risk-based capital ratio | 11.7294% | 5,913 |
| Total risk-based capital ratio | 14.0137% | 4,981 |
| Memoranda: | ||
| Average total assets | $541,476,000 | 1,244 |
| Average earning assets | $492,699,000 | 1,246 |
| Average equity | $42,259,000 | 1,572 |
| Average total loans | $388,954,000 | 1,130 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 4,515 |
| Cost of funding earning assets | 1.6816% | 1,681 |
| Net interest margin | 3.3277% | 5,881 |
| Noninterest income to average assets | 4.5066% | 150 |
| Noninterest expense to average assets | 5.1616% | 376 |
| Loan and lease loss provision to assets | 1.7490% | 803 |
| Net operating income to assets | 0.6261% | 3,554 |
| Return on assets (ROA) | -0.1356% | 6,088 |
| Pretax return on assets | -0.1069% | 6,004 |
| Return on Equity (ROE) | -1.9111% | 6,162 |
| Retained earnings to average equity (ytd only) | -1.9111% | 5,957 |
| Net charge-offs to loans | 2.1192% | 928 |
| Credit loss provision to net charge-offs | 119.6211% | 3,536 |
| Earnings coverage of net charge-offs (x) | 1.6441% | 4,504 |
| Efficiency ratio | 68.2260% | 4,518 |
| Assets per employee ($millions) | 3.4552% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 2,499 |
| Loan loss allowance to noncurrent loans | 22.0722% | 6,731 |
| Noncurrent assets plus other real estate owned to assets | 7.4421% | 706 |
| Noncurrent loans to loans | 8.7026% | 550 |
| Net loans and leases to total assets | 72.4830% | 1,986 |
| Net loans and leases to deposits | 102.6067% | 462 |
| Net loans and leases to core deposits | 112.0217% | 812 |
| Total domestic deposits to total assets | 70.6416% | 7,196 |
| Equity capital to assets | 7.3569% | 6,968 |
| Core capital (leverage) ratio | 7.6303% | 6,596 |
| Tier 1 risk-based capital ratio | 10.5596% | 6,659 |
| Total risk-based capital ratio | 13.0076% | 5,688 |
| Memoranda: | ||
| Average total assets | $584,897,800 | 1,149 |
| Average earning assets | $537,645,600 | 1,129 |
| Average equity | $41,494,600 | 1,597 |
| Average total loans | $403,546,200 | 1,122 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0798% | 4,429 |
| Cost of funding earning assets | 1.7269% | 1,735 |
| Net interest margin | 3.3529% | 5,836 |
| Noninterest income to average assets | 3.9887% | 172 |
| Noninterest expense to average assets | 4.4628% | 624 |
| Loan and lease loss provision to assets | 1.6476% | 780 |
| Net operating income to assets | 0.5962% | 3,891 |
| Return on assets (ROA) | 0.4960% | 4,529 |
| Pretax return on assets | 0.8120% | 3,860 |
| Return on Equity (ROE) | 7.0536% | 3,321 |
| Retained earnings to average equity (ytd only) | 7.0536% | 1,812 |
| Net charge-offs to loans | 2.4566% | 690 |
| Credit loss provision to net charge-offs | 98.8884% | 4,412 |
| Earnings coverage of net charge-offs (x) | 1.5702% | 4,548 |
| Efficiency ratio | 63.0432% | 5,425 |
| Assets per employee ($millions) | 3.6684% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 3,649 |
| Loan loss allowance to noncurrent loans | 22.7621% | 6,772 |
| Noncurrent assets plus other real estate owned to assets | 5.4636% | 1,132 |
| Noncurrent loans to loans | 6.9067% | 827 |
| Net loans and leases to total assets | 66.9257% | 3,479 |
| Net loans and leases to deposits | 95.3044% | 1,068 |
| Net loans and leases to core deposits | 106.7767% | 1,255 |
| Total domestic deposits to total assets | 70.2230% | 7,261 |
| Equity capital to assets | 7.3128% | 7,222 |
| Core capital (leverage) ratio | 8.0075% | 6,333 |
| Tier 1 risk-based capital ratio | 11.1512% | 6,240 |
| Total risk-based capital ratio | 13.5812% | 5,117 |
| Memoranda: | ||
| Average total assets | $590,322,000 | 1,143 |
| Average earning assets | $544,076,250 | 1,123 |
| Average equity | $41,509,750 | 1,598 |
| Average total loans | $400,377,750 | 1,139 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0677% | 4,624 |
| Cost of funding earning assets | 1.7513% | 1,858 |
| Net interest margin | 3.3164% | 5,958 |
| Noninterest income to average assets | 3.2504% | 205 |
| Noninterest expense to average assets | 4.0896% | 935 |
| Loan and lease loss provision to assets | 1.2300% | 1,141 |
| Net operating income to assets | 0.6160% | 3,805 |
| Return on assets (ROA) | 0.5514% | 4,226 |
| Pretax return on assets | 0.8895% | 3,540 |
| Return on Equity (ROE) | 7.9459% | 2,904 |
| Retained earnings to average equity (ytd only) | 7.9459% | 1,458 |
| Net charge-offs to loans | 1.5756% | 1,205 |
| Credit loss provision to net charge-offs | 115.2023% | 3,527 |
| Earnings coverage of net charge-offs (x) | 2.0796% | 3,990 |
| Efficiency ratio | 64.8110% | 5,185 |
| Assets per employee ($millions) | 3.7915% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6211% | 3,366 |
| Loan loss allowance to noncurrent loans | 56.0845% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 2.6561% | 2,716 |
| Noncurrent loans to loans | 2.8904% | 2,763 |
| Net loans and leases to total assets | 68.0064% | 3,359 |
| Net loans and leases to deposits | 99.3759% | 774 |
| Net loans and leases to core deposits | 113.6976% | 929 |
| Total domestic deposits to total assets | 68.4335% | 7,409 |
| Equity capital to assets | 6.8624% | 7,395 |
| Core capital (leverage) ratio | 7.9250% | 6,357 |
| Tier 1 risk-based capital ratio | 10.7592% | 6,478 |
| Total risk-based capital ratio | 13.1626% | 5,363 |
| Memoranda: | ||
| Average total assets | $592,669,330 | 1,145 |
| Average earning assets | $546,793,330 | 1,115 |
| Average equity | $41,128,330 | 1,606 |
| Average total loans | $401,637,330 | 1,148 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9828% | 5,097 |
| Cost of funding earning assets | 1.7585% | 2,085 |
| Net interest margin | 3.2244% | 6,215 |
| Noninterest income to average assets | 3.5159% | 183 |
| Noninterest expense to average assets | 3.9229% | 1,141 |
| Loan and lease loss provision to assets | 1.0142% | 1,229 |
| Net operating income to assets | 0.9721% | 2,297 |
| Return on assets (ROA) | 0.7711% | 3,220 |
| Pretax return on assets | 1.2450% | 2,219 |
| Return on Equity (ROE) | 11.0476% | 1,779 |
| Retained earnings to average equity (ytd only) | 11.0476% | 912 |
| Net charge-offs to loans | 1.2618% | 1,350 |
| Credit loss provision to net charge-offs | 119.8547% | 2,913 |
| Earnings coverage of net charge-offs (x) | 3.0412% | 3,035 |
| Efficiency ratio | 60.3869% | 6,099 |
| Assets per employee ($millions) | 3.6374% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 3,049 |
| Loan loss allowance to noncurrent loans | 62.6779% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 2.6613% | 2,734 |
| Noncurrent loans to loans | 2.7192% | 2,938 |
| Net loans and leases to total assets | 65.8612% | 3,892 |
| Net loans and leases to deposits | 96.0893% | 1,093 |
| Net loans and leases to core deposits | 112.5061% | 1,128 |
| Total domestic deposits to total assets | 68.5417% | 7,499 |
| Equity capital to assets | 7.2774% | 7,225 |
| Core capital (leverage) ratio | 8.0963% | 6,081 |
| Tier 1 risk-based capital ratio | 10.6564% | 6,485 |
| Total risk-based capital ratio | 13.0605% | 5,328 |
| Memoranda: | ||
| Average total assets | $585,684,000 | 1,184 |
| Average earning assets | $541,379,500 | 1,165 |
| Average equity | $40,877,500 | 1,636 |
| Average total loans | $392,780,000 | 1,200 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4621% | 4,372 |
| Cost of funding earning assets | 2.3245% | 1,564 |
| Net interest margin | 3.1376% | 6,263 |
| Noninterest income to average assets | 2.0793% | 353 |
| Noninterest expense to average assets | 3.4796% | 2,423 |
| Loan and lease loss provision to assets | 0.9826% | 2,304 |
| Net operating income to assets | 0.3128% | 4,489 |
| Return on assets (ROA) | 0.3786% | 4,314 |
| Pretax return on assets | 0.6100% | 3,876 |
| Return on Equity (ROE) | 6.4029% | 3,032 |
| Retained earnings to average equity (ytd only) | 5.5274% | 1,564 |
| Net charge-offs to loans | 1.2178% | 2,022 |
| Credit loss provision to net charge-offs | 121.7968% | 4,354 |
| Earnings coverage of net charge-offs (x) | 1.8466% | 4,338 |
| Efficiency ratio | 69.7712% | 4,673 |
| Assets per employee ($millions) | 3.8004% | 4,286 |
| Cash dividends to net income (ytd only)* | 13.6737% | 3,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 3,365 |
| Loan loss allowance to noncurrent loans | 60.3343% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 2.4247% | 2,869 |
| Noncurrent loans to loans | 2.6143% | 2,943 |
| Net loans and leases to total assets | 66.0628% | 4,133 |
| Net loans and leases to deposits | 98.9166% | 1,006 |
| Net loans and leases to core deposits | 113.5564% | 2,542 |
| Total domestic deposits to total assets | 66.7863% | 7,613 |
| Equity capital to assets | 6.6924% | 7,505 |
| Core capital (leverage) ratio | 7.6595% | 6,601 |
| Tier 1 risk-based capital ratio | 10.3471% | 6,543 |
| Total risk-based capital ratio | 12.7450% | 5,362 |
| Memoranda: | ||
| Average total assets | $579,484,400 | 1,197 |
| Average earning assets | $533,789,000 | 1,193 |
| Average equity | $34,265,800 | 1,963 |
| Average total loans | $383,885,400 | 1,256 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5003% | 4,416 |
| Cost of funding earning assets | 2.4217% | 1,555 |
| Net interest margin | 3.0786% | 6,370 |
| Noninterest income to average assets | 1.0153% | 1,542 |
| Noninterest expense to average assets | 2.8004% | 4,900 |
| Loan and lease loss provision to assets | 0.8994% | 2,137 |
| Net operating income to assets | 0.0880% | 5,505 |
| Return on assets (ROA) | 0.1762% | 5,301 |
| Pretax return on assets | 0.2842% | 5,109 |
| Return on Equity (ROE) | 3.0847% | 4,757 |
| Retained earnings to average equity (ytd only) | 1.8671% | 4,275 |
| Net charge-offs to loans | 1.3462% | 1,527 |
| Credit loss provision to net charge-offs | 101.1998% | 5,025 |
| Earnings coverage of net charge-offs (x) | 1.1768% | 4,884 |
| Efficiency ratio | 72.4161% | 4,169 |
| Assets per employee ($millions) | 3.8554% | 4,064 |
| Cash dividends to net income (ytd only)* | 39.4736% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 4,044 |
| Loan loss allowance to noncurrent loans | 45.5662% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 2.8996% | 2,393 |
| Noncurrent loans to loans | 3.0325% | 2,499 |
| Net loans and leases to total assets | 64.6575% | 4,722 |
| Net loans and leases to deposits | 93.4739% | 1,970 |
| Net loans and leases to core deposits | 112.9092% | 2,940 |
| Total domestic deposits to total assets | 69.1717% | 7,486 |
| Equity capital to assets | 6.5691% | 7,747 |
| Core capital (leverage) ratio | 7.3245% | 7,165 |
| Tier 1 risk-based capital ratio | 10.0874% | 6,891 |
| Total risk-based capital ratio | 12.4734% | 5,675 |
| Memoranda: | ||
| Average total assets | $575,191,000 | 1,216 |
| Average earning assets | $528,929,000 | 1,214 |
| Average equity | $32,849,500 | 2,060 |
| Average total loans | $379,735,250 | 1,282 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5514% | 4,332 |
| Cost of funding earning assets | 2.5145% | 1,561 |
| Net interest margin | 3.0369% | 6,445 |
| Noninterest income to average assets | 0.2276% | 6,654 |
| Noninterest expense to average assets | 2.2651% | 6,864 |
| Loan and lease loss provision to assets | 0.8347% | 2,004 |
| Net operating income to assets | -0.0612% | 5,941 |
| Return on assets (ROA) | -0.0224% | 5,950 |
| Pretax return on assets | -0.0337% | 5,910 |
| Return on Equity (ROE) | -0.4145% | 5,985 |
| Retained earnings to average equity (ytd only) | -2.3573% | 5,827 |
| Net charge-offs to loans | 0.9671% | 1,808 |
| Credit loss provision to net charge-offs | 130.4110% | 3,571 |
| Earnings coverage of net charge-offs (x) | 1.1611% | 4,653 |
| Efficiency ratio | 75.2973% | 3,828 |
| Assets per employee ($millions) | 10.2599% | 244 |
| Cash dividends to net income (ytd only)* | -468.7500% | 8,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 3,038 |
| Loan loss allowance to noncurrent loans | 37.1525% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 3.7062% | 1,657 |
| Noncurrent loans to loans | 4.1165% | 1,617 |
| Net loans and leases to total assets | 66.7819% | 4,404 |
| Net loans and leases to deposits | 96.5834% | 1,714 |
| Net loans and leases to core deposits | 120.6343% | 2,308 |
| Total domestic deposits to total assets | 69.1443% | 7,542 |
| Equity capital to assets | 5.5436% | 7,997 |
| Core capital (leverage) ratio | 6.4883% | 7,798 |
| Tier 1 risk-based capital ratio | 8.3456% | 7,872 |
| Total risk-based capital ratio | 10.7266% | 7,366 |
| Memoranda: | ||
| Average total assets | $570,297,670 | 1,242 |
| Average earning assets | $522,171,330 | 1,243 |
| Average equity | $30,883,000 | 2,194 |
| Average total loans | $377,400,330 | 1,315 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6021% | 4,339 |
| Cost of funding earning assets | 2.6090% | 1,537 |
| Net interest margin | 2.9931% | 6,495 |
| Noninterest income to average assets | 0.1982% | 6,878 |
| Noninterest expense to average assets | 1.9515% | 7,443 |
| Loan and lease loss provision to assets | 0.6279% | 2,013 |
| Net operating income to assets | 0.2157% | 5,610 |
| Return on assets (ROA) | 0.2568% | 5,622 |
| Pretax return on assets | 0.4068% | 5,377 |
| Return on Equity (ROE) | 4.7974% | 4,554 |
| Retained earnings to average equity (ytd only) | 0.8865% | 5,301 |
| Net charge-offs to loans | 0.5742% | 2,028 |
| Credit loss provision to net charge-offs | 167.2862% | 2,550 |
| Earnings coverage of net charge-offs (x) | 2.5855% | 3,464 |
| Efficiency ratio | 66.7861% | 5,181 |
| Assets per employee ($millions) | 10.3428% | 242 |
| Cash dividends to net income (ytd only)* | 81.5217% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 2,866 |
| Loan loss allowance to noncurrent loans | 76.1674% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 2.4896% | 2,308 |
| Noncurrent loans to loans | 1.9956% | 3,265 |
| Net loans and leases to total assets | 64.4637% | 4,907 |
| Net loans and leases to deposits | 92.7315% | 2,479 |
| Net loans and leases to core deposits | 118.0828% | 2,589 |
| Total domestic deposits to total assets | 69.5165% | 7,471 |
| Equity capital to assets | 5.4585% | 8,073 |
| Core capital (leverage) ratio | 6.4894% | 7,884 |
| Tier 1 risk-based capital ratio | 8.0873% | 7,999 |
| Total risk-based capital ratio | 10.4390% | 7,668 |
| Memoranda: | ||
| Average total assets | $573,299,000 | 1,239 |
| Average earning assets | $521,737,500 | 1,244 |
| Average equity | $30,683,500 | 2,210 |
| Average total loans | $374,750,500 | 1,335 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1696% | 4,669 |
| Cost of funding earning assets | 3.1136% | 1,466 |
| Net interest margin | 3.0559% | 6,771 |
| Noninterest income to average assets | 0.2244% | 6,838 |
| Noninterest expense to average assets | 1.6188% | 7,947 |
| Loan and lease loss provision to assets | 0.6574% | 2,213 |
| Net operating income to assets | 0.5118% | 4,678 |
| Return on assets (ROA) | 0.5611% | 4,330 |
| Pretax return on assets | 0.8838% | 3,777 |
| Return on Equity (ROE) | 9.9252% | 2,287 |
| Retained earnings to average equity (ytd only) | 9.9252% | 461 |
| Net charge-offs to loans | 0.9854% | 1,258 |
| Credit loss provision to net charge-offs | 97.0416% | 5,478 |
| Earnings coverage of net charge-offs (x) | 2.1612% | 4,994 |
| Efficiency ratio | 52.5095% | 7,432 |
| Assets per employee ($millions) | 10.5044% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 3,169 |
| Loan loss allowance to noncurrent loans | 88.5953% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 2.0429% | 2,409 |
| Noncurrent loans to loans | 1.5856% | 3,398 |
| Net loans and leases to total assets | 64.3605% | 5,198 |
| Net loans and leases to deposits | 97.8305% | 2,151 |
| Net loans and leases to core deposits | 119.5551% | 2,736 |
| Total domestic deposits to total assets | 65.7877% | 7,672 |
| Equity capital to assets | 5.2473% | 8,158 |
| Core capital (leverage) ratio | 6.6175% | 7,891 |
| Tier 1 risk-based capital ratio | 8.8605% | 7,870 |
| Total risk-based capital ratio | 11.3218% | 6,536 |
| Memoranda: | ||
| Average total assets | $553,883,200 | 1,227 |
| Average earning assets | $518,076,400 | 1,195 |
| Average equity | $31,314,200 | 2,156 |
| Average total loans | $380,748,200 | 1,272 |