Home > Integra Bank > Performance and Condition Ratios
Integra Bank, 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 | 3.4133% | 7,208 |
| Cost of funding earning assets | 1.4729% | 1,101 |
| Net interest margin | 1.9404% | 7,382 |
| Noninterest income to average assets | 0.9253% | 1,556 |
| Noninterest expense to average assets | 4.2318% | 803 |
| Loan and lease loss provision to assets | 4.9199% | 52 |
| Net operating income to assets | -6.2109% | 7,464 |
| Return on assets (ROA) | -6.2036% | 7,466 |
| Pretax return on assets | -6.4362% | 7,471 |
| Return on Equity (ROE) | -279.7664% | 7,498 |
| Retained earnings to average equity (ytd only) | -279.7664% | 7,498 |
| Net charge-offs to loans | 8.3792% | 32 |
| Credit loss provision to net charge-offs | 101.8828% | 3,037 |
| Earnings coverage of net charge-offs (x) | -0.3156% | 5,459 |
| Efficiency ratio | 154.8412% | 134 |
| Assets per employee ($millions) | 4.1900% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3271% | 29 |
| Loan loss allowance to noncurrent loans | 55.9586% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 10.8246% | 326 |
| Noncurrent loans to loans | 14.8808% | 141 |
| Net loans and leases to total assets | 53.3005% | 5,387 |
| Net loans and leases to deposits | 62.7685% | 5,422 |
| Net loans and leases to core deposits | 74.3975% | 4,527 |
| Total domestic deposits to total assets | 84.9161% | 3,914 |
| Equity capital to assets | 1.0464% | 7,496 |
| Core capital (leverage) ratio | 0.8549% | 7,496 |
| Tier 1 risk-based capital ratio | 1.4816% | 7,494 |
| Total risk-based capital ratio | 2.8173% | 7,494 |
| Memoranda: | ||
| Average total assets | $2,195,391,000 | 323 |
| Average earning assets | $2,016,840,000 | 315 |
| Average equity | $48,681,330 | 1,388 |
| Average total loans | $1,265,203,330 | 347 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3243% | 7,304 |
| Cost of funding earning assets | 1.4387% | 1,439 |
| Net interest margin | 1.8856% | 7,433 |
| Noninterest income to average assets | 0.9332% | 1,536 |
| Noninterest expense to average assets | 4.1886% | 828 |
| Loan and lease loss provision to assets | 6.4098% | 38 |
| Net operating income to assets | -7.8447% | 7,539 |
| Return on assets (ROA) | -7.8447% | 7,538 |
| Pretax return on assets | -7.9297% | 7,535 |
| Return on Equity (ROE) | -287.7658% | 7,550 |
| Retained earnings to average equity (ytd only) | -287.7658% | 7,550 |
| Net charge-offs to loans | 6.0291% | 111 |
| Credit loss provision to net charge-offs | 185.1908% | 1,583 |
| Earnings coverage of net charge-offs (x) | -0.4391% | 4,773 |
| Efficiency ratio | 155.5592% | 138 |
| Assets per employee ($millions) | 4.2162% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7566% | 29 |
| Loan loss allowance to noncurrent loans | 59.3042% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 10.9570% | 339 |
| Noncurrent loans to loans | 14.7655% | 160 |
| Net loans and leases to total assets | 53.8760% | 5,325 |
| Net loans and leases to deposits | 63.3329% | 5,344 |
| Net loans and leases to core deposits | 77.6587% | 4,067 |
| Total domestic deposits to total assets | 85.0680% | 4,000 |
| Equity capital to assets | 1.8630% | 7,540 |
| Core capital (leverage) ratio | 1.7601% | 7,540 |
| Tier 1 risk-based capital ratio | 3.0390% | 7,519 |
| Total risk-based capital ratio | 4.3780% | 7,519 |
| Memoranda: | ||
| Average total assets | $2,295,871,500 | 313 |
| Average earning assets | $2,113,059,500 | 302 |
| Average equity | $62,587,000 | 1,075 |
| Average total loans | $1,318,003,500 | 341 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5987% | 7,352 |
| Cost of funding earning assets | 1.5348% | 2,444 |
| Net interest margin | 2.0639% | 7,442 |
| Noninterest income to average assets | 2.0415% | 380 |
| Noninterest expense to average assets | 3.4949% | 2,194 |
| Loan and lease loss provision to assets | 4.8653% | 83 |
| Net operating income to assets | -4.3597% | 7,475 |
| Return on assets (ROA) | -4.1914% | 7,470 |
| Pretax return on assets | -4.2439% | 7,473 |
| Return on Equity (ROE) | -82.1997% | 7,558 |
| Retained earnings to average equity (ytd only) | -82.1997% | 7,556 |
| Net charge-offs to loans | 6.5278% | 77 |
| Credit loss provision to net charge-offs | 117.6628% | 3,625 |
| Earnings coverage of net charge-offs (x) | 0.1092% | 6,011 |
| Efficiency ratio | 87.3398% | 1,537 |
| Assets per employee ($millions) | 4.6734% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0890% | 55 |
| Loan loss allowance to noncurrent loans | 48.6262% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 10.1919% | 397 |
| Noncurrent loans to loans | 14.5786% | 178 |
| Net loans and leases to total assets | 51.9669% | 5,912 |
| Net loans and leases to deposits | 63.0412% | 5,738 |
| Net loans and leases to core deposits | 80.0025% | 4,221 |
| Total domestic deposits to total assets | 82.4332% | 5,048 |
| Equity capital to assets | 3.5032% | 7,536 |
| Core capital (leverage) ratio | 3.3446% | 7,537 |
| Tier 1 risk-based capital ratio | 6.0012% | 7,479 |
| Total risk-based capital ratio | 7.3198% | 7,478 |
| Memoranda: | ||
| Average total assets | $2,765,929,000 | 258 |
| Average earning assets | $2,552,786,400 | 251 |
| Average equity | $141,035,800 | 489 |
| Average total loans | $1,752,046,800 | 273 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6963% | 7,447 |
| Cost of funding earning assets | 1.5405% | 2,721 |
| Net interest margin | 2.1558% | 7,530 |
| Noninterest income to average assets | 2.3677% | 300 |
| Noninterest expense to average assets | 3.4187% | 2,239 |
| Loan and lease loss provision to assets | 4.5895% | 116 |
| Net operating income to assets | -3.6473% | 7,536 |
| Return on assets (ROA) | -3.5279% | 7,534 |
| Pretax return on assets | -3.5324% | 7,501 |
| Return on Equity (ROE) | -64.8884% | 7,618 |
| Retained earnings to average equity (ytd only) | -64.8884% | 7,617 |
| Net charge-offs to loans | 5.6497% | 126 |
| Credit loss provision to net charge-offs | 125.1449% | 3,273 |
| Earnings coverage of net charge-offs (x) | 0.2557% | 5,762 |
| Efficiency ratio | 77.2850% | 2,725 |
| Assets per employee ($millions) | 4.4575% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5388% | 83 |
| Loan loss allowance to noncurrent loans | 44.9244% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 9.4421% | 450 |
| Noncurrent loans to loans | 14.5550% | 175 |
| Net loans and leases to total assets | 52.1010% | 6,087 |
| Net loans and leases to deposits | 63.3801% | 5,985 |
| Net loans and leases to core deposits | 85.1612% | 3,773 |
| Total domestic deposits to total assets | 82.2040% | 4,911 |
| Equity capital to assets | 5.0132% | 7,576 |
| Core capital (leverage) ratio | 4.3115% | 7,605 |
| Tier 1 risk-based capital ratio | 8.0198% | 7,479 |
| Total risk-based capital ratio | 9.3373% | 7,479 |
| Memoranda: | ||
| Average total assets | $2,853,371,500 | 249 |
| Average earning assets | $2,632,193,500 | 242 |
| Average equity | $155,134,250 | 438 |
| Average total loans | $1,852,207,750 | 258 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7581% | 7,507 |
| Cost of funding earning assets | 1.5193% | 3,137 |
| Net interest margin | 2.2388% | 7,559 |
| Noninterest income to average assets | 1.3947% | 651 |
| Noninterest expense to average assets | 3.0433% | 3,543 |
| Loan and lease loss provision to assets | 4.7521% | 126 |
| Net operating income to assets | -4.3284% | 7,651 |
| Return on assets (ROA) | -4.1141% | 7,639 |
| Pretax return on assets | -4.1207% | 7,619 |
| Return on Equity (ROE) | -73.9518% | 7,691 |
| Retained earnings to average equity (ytd only) | -73.9518% | 7,689 |
| Net charge-offs to loans | 5.2016% | 187 |
| Credit loss provision to net charge-offs | 135.0542% | 2,971 |
| Earnings coverage of net charge-offs (x) | 0.1185% | 5,603 |
| Efficiency ratio | 86.3220% | 1,672 |
| Assets per employee ($millions) | 4.3778% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8708% | 111 |
| Loan loss allowance to noncurrent loans | 46.1466% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 8.9422% | 500 |
| Noncurrent loans to loans | 12.7220% | 245 |
| Net loans and leases to total assets | 57.7478% | 5,454 |
| Net loans and leases to deposits | 69.1658% | 5,396 |
| Net loans and leases to core deposits | 91.1803% | 3,097 |
| Total domestic deposits to total assets | 83.4919% | 4,344 |
| Equity capital to assets | 4.8566% | 7,647 |
| Core capital (leverage) ratio | 4.5279% | 7,652 |
| Tier 1 risk-based capital ratio | 7.1602% | 7,589 |
| Total risk-based capital ratio | 8.4913% | 7,587 |
| Memoranda: | ||
| Average total assets | $2,930,822,330 | 246 |
| Average earning assets | $2,704,215,670 | 238 |
| Average equity | $163,046,670 | 418 |
| Average total loans | $1,982,572,000 | 247 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8164% | 7,581 |
| Cost of funding earning assets | 1.4881% | 3,631 |
| Net interest margin | 2.3283% | 7,578 |
| Noninterest income to average assets | 1.0583% | 1,137 |
| Noninterest expense to average assets | 3.0600% | 3,437 |
| Loan and lease loss provision to assets | 7.2331% | 81 |
| Net operating income to assets | -7.0908% | 7,844 |
| Return on assets (ROA) | -7.1196% | 7,847 |
| Pretax return on assets | -7.1196% | 7,836 |
| Return on Equity (ROE) | -120.2148% | 7,850 |
| Retained earnings to average equity (ytd only) | -120.2148% | 7,847 |
| Net charge-offs to loans | 7.6308% | 104 |
| Credit loss provision to net charge-offs | 133.7937% | 2,639 |
| Earnings coverage of net charge-offs (x) | 0.0263% | 5,008 |
| Efficiency ratio | 93.7896% | 1,146 |
| Assets per employee ($millions) | 4.1566% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0582% | 165 |
| Loan loss allowance to noncurrent loans | 45.9157% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 8.8766% | 511 |
| Noncurrent loans to loans | 11.0162% | 358 |
| Net loans and leases to total assets | 65.7878% | 3,911 |
| Net loans and leases to deposits | 79.0101% | 3,835 |
| Net loans and leases to core deposits | 100.6059% | 2,072 |
| Total domestic deposits to total assets | 83.2651% | 4,493 |
| Equity capital to assets | 5.1080% | 7,714 |
| Core capital (leverage) ratio | 4.9061% | 7,710 |
| Tier 1 risk-based capital ratio | 6.8384% | 7,712 |
| Total risk-based capital ratio | 8.1572% | 7,711 |
| Memoranda: | ||
| Average total assets | $2,914,361,500 | 256 |
| Average earning assets | $2,683,670,500 | 248 |
| Average equity | $172,601,000 | 405 |
| Average total loans | $2,064,736,500 | 244 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 7,502 |
| Cost of funding earning assets | 1.8678% | 3,632 |
| Net interest margin | 2.5097% | 7,419 |
| Noninterest income to average assets | 1.2955% | 893 |
| Noninterest expense to average assets | 3.1886% | 3,410 |
| Loan and lease loss provision to assets | 3.4562% | 454 |
| Net operating income to assets | -4.9500% | 7,743 |
| Return on assets (ROA) | -5.3594% | 7,778 |
| Pretax return on assets | -3.6378% | 7,451 |
| Return on Equity (ROE) | -62.0884% | 7,765 |
| Retained earnings to average equity (ytd only) | -62.0884% | 7,762 |
| Net charge-offs to loans | 3.8255% | 450 |
| Credit loss provision to net charge-offs | 127.1869% | 4,074 |
| Earnings coverage of net charge-offs (x) | 0.0838% | 6,075 |
| Efficiency ratio | 91.8285% | 1,575 |
| Assets per employee ($millions) | 3.9608% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1958% | 316 |
| Loan loss allowance to noncurrent loans | 41.2651% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 8.4654% | 502 |
| Noncurrent loans to loans | 10.1679% | 399 |
| Net loans and leases to total assets | 69.3585% | 3,404 |
| Net loans and leases to deposits | 85.4058% | 3,008 |
| Net loans and leases to core deposits | 115.8963% | 2,330 |
| Total domestic deposits to total assets | 81.2106% | 5,264 |
| Equity capital to assets | 6.7343% | 7,486 |
| Core capital (leverage) ratio | 6.2968% | 7,554 |
| Tier 1 risk-based capital ratio | 8.7642% | 7,546 |
| Total risk-based capital ratio | 10.0519% | 7,564 |
| Memoranda: | ||
| Average total assets | $3,280,109,000 | 234 |
| Average earning assets | $2,771,867,200 | 241 |
| Average equity | $283,133,200 | 264 |
| Average total loans | $2,330,039,800 | 228 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4879% | 7,521 |
| Cost of funding earning assets | 1.9551% | 3,593 |
| Net interest margin | 2.5329% | 7,422 |
| Noninterest income to average assets | 1.1350% | 1,221 |
| Noninterest expense to average assets | 3.2331% | 3,180 |
| Loan and lease loss provision to assets | 3.2772% | 418 |
| Net operating income to assets | -2.7984% | 7,542 |
| Return on assets (ROA) | -3.2499% | 7,644 |
| Pretax return on assets | -3.8069% | 7,657 |
| Return on Equity (ROE) | -35.9399% | 7,714 |
| Retained earnings to average equity (ytd only) | -35.9399% | 7,705 |
| Net charge-offs to loans | 3.7980% | 382 |
| Credit loss provision to net charge-offs | 121.9786% | 4,158 |
| Earnings coverage of net charge-offs (x) | 0.0006% | 6,062 |
| Efficiency ratio | 98.4064% | 1,146 |
| Assets per employee ($millions) | 4.3067% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5321% | 405 |
| Loan loss allowance to noncurrent loans | 41.7932% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 6.6532% | 746 |
| Noncurrent loans to loans | 8.4515% | 550 |
| Net loans and leases to total assets | 66.6625% | 4,272 |
| Net loans and leases to deposits | 87.3587% | 3,082 |
| Net loans and leases to core deposits | 116.9453% | 2,528 |
| Total domestic deposits to total assets | 76.3089% | 6,526 |
| Equity capital to assets | 8.8598% | 5,691 |
| Core capital (leverage) ratio | 6.6111% | 7,625 |
| Tier 1 risk-based capital ratio | 8.9216% | 7,648 |
| Total risk-based capital ratio | 10.2013% | 7,660 |
| Memoranda: | ||
| Average total assets | $3,370,365,000 | 239 |
| Average earning assets | $2,793,932,000 | 248 |
| Average equity | $304,771,750 | 254 |
| Average total loans | $2,384,223,750 | 234 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5226% | 7,607 |
| Cost of funding earning assets | 1.9984% | 3,784 |
| Net interest margin | 2.5242% | 7,456 |
| Noninterest income to average assets | 1.2022% | 1,081 |
| Noninterest expense to average assets | 3.3825% | 2,679 |
| Loan and lease loss provision to assets | 3.7496% | 356 |
| Net operating income to assets | -3.0749% | 7,694 |
| Return on assets (ROA) | -4.0252% | 7,828 |
| Pretax return on assets | -4.9795% | 7,853 |
| Return on Equity (ROE) | -44.2295% | 7,876 |
| Retained earnings to average equity (ytd only) | -44.2295% | 7,862 |
| Net charge-offs to loans | 3.7908% | 388 |
| Credit loss provision to net charge-offs | 138.8032% | 3,365 |
| Earnings coverage of net charge-offs (x) | -0.0210% | 5,714 |
| Efficiency ratio | 100.2169% | 1,165 |
| Assets per employee ($millions) | 4.1064% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4877% | 384 |
| Loan loss allowance to noncurrent loans | 45.1226% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 6.3489% | 733 |
| Noncurrent loans to loans | 7.7293% | 588 |
| Net loans and leases to total assets | 68.3094% | 4,104 |
| Net loans and leases to deposits | 91.2921% | 2,605 |
| Net loans and leases to core deposits | 122.4562% | 2,163 |
| Total domestic deposits to total assets | 74.8250% | 6,794 |
| Equity capital to assets | 8.7604% | 5,662 |
| Core capital (leverage) ratio | 6.4661% | 7,813 |
| Tier 1 risk-based capital ratio | 8.5583% | 7,836 |
| Total risk-based capital ratio | 9.8351% | 7,867 |
| Memoranda: | ||
| Average total assets | $3,409,976,670 | 245 |
| Average earning assets | $2,868,830,330 | 250 |
| Average equity | $310,336,000 | 255 |
| Average total loans | $2,429,993,670 | 240 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 7,716 |
| Cost of funding earning assets | 1.9843% | 4,207 |
| Net interest margin | 2.5171% | 7,478 |
| Noninterest income to average assets | 1.3122% | 828 |
| Noninterest expense to average assets | 3.3876% | 2,393 |
| Loan and lease loss provision to assets | 3.6422% | 280 |
| Net operating income to assets | -2.5208% | 7,767 |
| Return on assets (ROA) | -2.6171% | 7,786 |
| Pretax return on assets | -3.7053% | 7,869 |
| Return on Equity (ROE) | -28.2460% | 7,890 |
| Retained earnings to average equity (ytd only) | -28.2460% | 7,833 |
| Net charge-offs to loans | 2.8083% | 465 |
| Credit loss provision to net charge-offs | 181.4053% | 2,400 |
| Earnings coverage of net charge-offs (x) | 0.0361% | 4,946 |
| Efficiency ratio | 96.4928% | 1,294 |
| Assets per employee ($millions) | 4.2123% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2262% | 397 |
| Loan loss allowance to noncurrent loans | 41.5006% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 5.8944% | 690 |
| Noncurrent loans to loans | 7.7739% | 473 |
| Net loans and leases to total assets | 66.4106% | 4,486 |
| Net loans and leases to deposits | 90.2360% | 2,888 |
| Net loans and leases to core deposits | 126.5614% | 1,885 |
| Total domestic deposits to total assets | 73.5966% | 6,946 |
| Equity capital to assets | 9.2979% | 4,940 |
| Core capital (leverage) ratio | 7.6142% | 7,007 |
| Tier 1 risk-based capital ratio | 9.5090% | 7,419 |
| Total risk-based capital ratio | 10.7918% | 7,332 |
| Memoranda: | ||
| Average total assets | $3,447,772,000 | 249 |
| Average earning assets | $2,942,070,500 | 250 |
| Average equity | $319,451,000 | 252 |
| Average total loans | $2,464,987,000 | 239 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8442% | 6,281 |
| Cost of funding earning assets | 2.4395% | 4,531 |
| Net interest margin | 3.4046% | 5,645 |
| Noninterest income to average assets | 1.1881% | 1,078 |
| Noninterest expense to average assets | 6.5062% | 333 |
| Loan and lease loss provision to assets | 1.9558% | 625 |
| Net operating income to assets | -2.9449% | 7,815 |
| Return on assets (ROA) | -3.1619% | 7,832 |
| Pretax return on assets | -4.5976% | 7,976 |
| Return on Equity (ROE) | -26.8417% | 7,900 |
| Retained earnings to average equity (ytd only) | -29.7063% | 7,904 |
| Net charge-offs to loans | 1.1876% | 1,018 |
| Credit loss provision to net charge-offs | 229.9497% | 2,068 |
| Earnings coverage of net charge-offs (x) | -2.7365% | 6,751 |
| Efficiency ratio | 67.0860% | 4,893 |
| Assets per employee ($millions) | 3.8492% | 3,857 |
| Cash dividends to net income (ytd only)* | -10.6722% | 7,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5816% | 627 |
| Loan loss allowance to noncurrent loans | 42.7021% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 5.0853% | 674 |
| Noncurrent loans to loans | 6.0456% | 585 |
| Net loans and leases to total assets | 72.6111% | 3,457 |
| Net loans and leases to deposits | 103.6099% | 1,381 |
| Net loans and leases to core deposits | 139.4780% | 1,293 |
| Total domestic deposits to total assets | 70.0812% | 7,267 |
| Equity capital to assets | 9.2311% | 5,031 |
| Core capital (leverage) ratio | 7.3653% | 7,343 |
| Tier 1 risk-based capital ratio | 8.8098% | 7,901 |
| Total risk-based capital ratio | 10.0741% | 7,940 |
| Memoranda: | ||
| Average total assets | $3,363,563,400 | 238 |
| Average earning assets | $2,954,526,000 | 242 |
| Average equity | $396,215,000 | 223 |
| Average total loans | $2,408,817,200 | 236 |