Home > Bank of Greensburg > Performance and Condition Ratios
Bank of Greensburg, 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 | 5.6789% | 906 |
| Cost of funding earning assets | 1.0039% | 3,921 |
| Net interest margin | 4.6750% | 772 |
| Noninterest income to average assets | 0.3967% | 4,708 |
| Noninterest expense to average assets | 3.8538% | 1,273 |
| Loan and lease loss provision to assets | 0.2675% | 3,259 |
| Net operating income to assets | 0.5104% | 4,456 |
| Return on assets (ROA) | 0.5104% | 4,594 |
| Pretax return on assets | 0.5104% | 5,032 |
| Return on Equity (ROE) | 5.0539% | 4,424 |
| Retained earnings to average equity (ytd only) | 5.0539% | 2,971 |
| Net charge-offs to loans | 0.6459% | 2,230 |
| Credit loss provision to net charge-offs | 56.3380% | 4,432 |
| Earnings coverage of net charge-offs (x) | 1.6385% | 4,066 |
| Efficiency ratio | 83.2050% | 1,928 |
| Assets per employee ($millions) | 2.6491% | 6,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 5,299 |
| Loan loss allowance to noncurrent loans | 22.4564% | 6,634 |
| Noncurrent assets plus other real estate owned to assets | 7.7430% | 614 |
| Noncurrent loans to loans | 5.5701% | 1,126 |
| Net loans and leases to total assets | 72.1543% | 1,760 |
| Net loans and leases to deposits | 81.2850% | 2,556 |
| Net loans and leases to core deposits | 85.6084% | 2,974 |
| Total domestic deposits to total assets | 88.7670% | 1,686 |
| Equity capital to assets | 10.5478% | 3,447 |
| Core capital (leverage) ratio | 10.1404% | 3,096 |
| Tier 1 risk-based capital ratio | 14.5645% | 3,745 |
| Total risk-based capital ratio | 15.8143% | 3,722 |
| Memoranda: | ||
| Average total assets | $89,730,000 | 5,262 |
| Average earning assets | $81,282,670 | 5,285 |
| Average equity | $9,062,330 | 5,304 |
| Average total loans | $65,957,670 | 4,734 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7918% | 749 |
| Cost of funding earning assets | 1.0306% | 3,986 |
| Net interest margin | 4.7612% | 620 |
| Noninterest income to average assets | 0.3697% | 4,954 |
| Noninterest expense to average assets | 3.5958% | 1,779 |
| Loan and lease loss provision to assets | 0.2641% | 3,021 |
| Net operating income to assets | 0.8406% | 2,823 |
| Return on assets (ROA) | 0.8406% | 2,883 |
| Pretax return on assets | 0.8406% | 3,741 |
| Return on Equity (ROE) | 8.5050% | 2,695 |
| Retained earnings to average equity (ytd only) | 8.5050% | 1,553 |
| Net charge-offs to loans | -1.1403% | 7,494 |
| Credit loss provision to net charge-offs | -31.4136% | 5,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4981% | 3,072 |
| Assets per employee ($millions) | 2.8017% | 6,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7432% | 3,202 |
| Loan loss allowance to noncurrent loans | 48.7836% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 6.2301% | 910 |
| Noncurrent loans to loans | 3.5733% | 2,083 |
| Net loans and leases to total assets | 69.6836% | 2,188 |
| Net loans and leases to deposits | 77.7876% | 3,097 |
| Net loans and leases to core deposits | 81.6470% | 3,504 |
| Total domestic deposits to total assets | 89.5820% | 1,438 |
| Equity capital to assets | 9.8221% | 4,008 |
| Core capital (leverage) ratio | 9.7413% | 3,466 |
| Tier 1 risk-based capital ratio | 14.0507% | 4,040 |
| Total risk-based capital ratio | 15.3064% | 4,015 |
| Memoranda: | ||
| Average total assets | $90,884,500 | 5,267 |
| Average earning assets | $82,669,000 | 5,283 |
| Average equity | $8,983,000 | 5,336 |
| Average total loans | $66,998,000 | 4,731 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1180% | 679 |
| Cost of funding earning assets | 1.3443% | 3,617 |
| Net interest margin | 4.7737% | 695 |
| Noninterest income to average assets | 0.6011% | 3,469 |
| Noninterest expense to average assets | 3.6652% | 1,780 |
| Loan and lease loss provision to assets | 1.5837% | 910 |
| Net operating income to assets | -0.3560% | 6,269 |
| Return on assets (ROA) | -0.3560% | 6,298 |
| Pretax return on assets | -0.3560% | 6,207 |
| Return on Equity (ROE) | -3.5723% | 6,330 |
| Retained earnings to average equity (ytd only) | -3.5723% | 6,163 |
| Net charge-offs to loans | 1.5489% | 1,417 |
| Credit loss provision to net charge-offs | 130.0087% | 3,061 |
| Earnings coverage of net charge-offs (x) | 1.0079% | 5,105 |
| Efficiency ratio | 74.9074% | 3,223 |
| Assets per employee ($millions) | 2.4139% | 7,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 4,983 |
| Loan loss allowance to noncurrent loans | 27.1868% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 6.6820% | 844 |
| Noncurrent loans to loans | 4.7949% | 1,438 |
| Net loans and leases to total assets | 75.6152% | 1,347 |
| Net loans and leases to deposits | 84.6197% | 2,354 |
| Net loans and leases to core deposits | 87.7933% | 3,080 |
| Total domestic deposits to total assets | 89.3589% | 1,459 |
| Equity capital to assets | 9.9480% | 3,812 |
| Core capital (leverage) ratio | 9.6927% | 3,438 |
| Tier 1 risk-based capital ratio | 13.4727% | 4,229 |
| Total risk-based capital ratio | 14.7240% | 4,196 |
| Memoranda: | ||
| Average total assets | $93,828,400 | 5,164 |
| Average earning assets | $84,358,000 | 5,202 |
| Average equity | $9,349,800 | 5,314 |
| Average total loans | $73,794,600 | 4,532 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1683% | 660 |
| Cost of funding earning assets | 1.4323% | 3,378 |
| Net interest margin | 4.7360% | 770 |
| Noninterest income to average assets | 0.5673% | 3,674 |
| Noninterest expense to average assets | 3.6128% | 1,765 |
| Loan and lease loss provision to assets | 0.4718% | 3,117 |
| Net operating income to assets | 0.7217% | 3,315 |
| Return on assets (ROA) | 0.7217% | 3,472 |
| Pretax return on assets | 0.7217% | 4,169 |
| Return on Equity (ROE) | 7.2398% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.2398% | 1,734 |
| Net charge-offs to loans | -0.0319% | 7,415 |
| Credit loss provision to net charge-offs | -1,866.6667% | 7,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1680% | 3,109 |
| Assets per employee ($millions) | 2.3966% | 7,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 5,191 |
| Loan loss allowance to noncurrent loans | 23.5126% | 6,733 |
| Noncurrent assets plus other real estate owned to assets | 7.1835% | 742 |
| Noncurrent loans to loans | 5.3418% | 1,263 |
| Net loans and leases to total assets | 78.1267% | 1,023 |
| Net loans and leases to deposits | 88.3280% | 1,966 |
| Net loans and leases to core deposits | 91.8219% | 2,834 |
| Total domestic deposits to total assets | 88.4506% | 1,696 |
| Equity capital to assets | 10.7302% | 3,253 |
| Core capital (leverage) ratio | 10.3417% | 2,866 |
| Tier 1 risk-based capital ratio | 13.8494% | 3,952 |
| Total risk-based capital ratio | 15.0999% | 3,919 |
| Memoranda: | ||
| Average total assets | $94,957,000 | 5,191 |
| Average earning assets | $84,991,750 | 5,238 |
| Average equity | $9,466,000 | 5,356 |
| Average total loans | $75,136,500 | 4,556 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0881% | 775 |
| Cost of funding earning assets | 1.5151% | 3,170 |
| Net interest margin | 4.5730% | 1,055 |
| Noninterest income to average assets | 0.4010% | 4,906 |
| Noninterest expense to average assets | 3.5365% | 1,938 |
| Loan and lease loss provision to assets | 0.4696% | 2,967 |
| Net operating income to assets | 0.4841% | 4,396 |
| Return on assets (ROA) | 0.4841% | 4,555 |
| Pretax return on assets | 0.4841% | 4,950 |
| Return on Equity (ROE) | 4.9765% | 4,296 |
| Retained earnings to average equity (ytd only) | 4.9765% | 2,917 |
| Net charge-offs to loans | -0.0446% | 7,432 |
| Credit loss provision to net charge-offs | -1,329.4118% | 6,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7598% | 2,612 |
| Assets per employee ($millions) | 2.7058% | 6,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 6,019 |
| Loan loss allowance to noncurrent loans | 23.2143% | 6,780 |
| Noncurrent assets plus other real estate owned to assets | 6.3557% | 898 |
| Noncurrent loans to loans | 4.6683% | 1,537 |
| Net loans and leases to total assets | 76.4305% | 1,410 |
| Net loans and leases to deposits | 85.6075% | 2,572 |
| Net loans and leases to core deposits | 89.7038% | 3,312 |
| Total domestic deposits to total assets | 89.2802% | 1,292 |
| Equity capital to assets | 9.9849% | 4,044 |
| Core capital (leverage) ratio | 9.9366% | 3,235 |
| Tier 1 risk-based capital ratio | 13.3475% | 4,173 |
| Total risk-based capital ratio | 14.4697% | 4,229 |
| Memoranda: | ||
| Average total assets | $96,252,670 | 5,188 |
| Average earning assets | $86,069,670 | 5,232 |
| Average equity | $9,364,000 | 5,392 |
| Average total loans | $76,163,670 | 4,566 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0651% | 846 |
| Cost of funding earning assets | 1.6696% | 2,541 |
| Net interest margin | 4.3955% | 1,403 |
| Noninterest income to average assets | 0.7998% | 2,021 |
| Noninterest expense to average assets | 3.3475% | 2,383 |
| Loan and lease loss provision to assets | 0.4947% | 2,523 |
| Net operating income to assets | 0.8863% | 2,606 |
| Return on assets (ROA) | 0.8863% | 2,672 |
| Pretax return on assets | 0.8863% | 3,516 |
| Return on Equity (ROE) | 9.2294% | 2,414 |
| Retained earnings to average equity (ytd only) | 9.2294% | 1,341 |
| Net charge-offs to loans | 0.1030% | 4,387 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 16.7500% | 1,322 |
| Efficiency ratio | 70.7934% | 4,156 |
| Assets per employee ($millions) | 2.8041% | 6,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 6,983 |
| Loan loss allowance to noncurrent loans | 21.6495% | 6,930 |
| Noncurrent assets plus other real estate owned to assets | 6.1968% | 946 |
| Noncurrent loans to loans | 3.9386% | 2,009 |
| Net loans and leases to total assets | 79.3956% | 925 |
| Net loans and leases to deposits | 88.7658% | 2,085 |
| Net loans and leases to core deposits | 89.9322% | 3,369 |
| Total domestic deposits to total assets | 89.4440% | 1,271 |
| Equity capital to assets | 9.8816% | 4,019 |
| Core capital (leverage) ratio | 9.6727% | 3,557 |
| Tier 1 risk-based capital ratio | 12.6349% | 4,614 |
| Total risk-based capital ratio | 13.5090% | 4,905 |
| Memoranda: | ||
| Average total assets | $97,027,500 | 5,233 |
| Average earning assets | $86,725,500 | 5,281 |
| Average equity | $9,318,000 | 5,450 |
| Average total loans | $77,658,000 | 4,586 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3597% | 915 |
| Cost of funding earning assets | 2.3155% | 1,595 |
| Net interest margin | 4.0442% | 2,672 |
| Noninterest income to average assets | 0.3755% | 5,411 |
| Noninterest expense to average assets | 3.5795% | 2,198 |
| Loan and lease loss provision to assets | 1.2564% | 1,840 |
| Net operating income to assets | -0.7916% | 6,428 |
| Return on assets (ROA) | -0.7916% | 6,427 |
| Pretax return on assets | -0.8018% | 6,264 |
| Return on Equity (ROE) | -9.6387% | 6,594 |
| Retained earnings to average equity (ytd only) | -9.9229% | 6,514 |
| Net charge-offs to loans | 1.5809% | 1,594 |
| Credit loss provision to net charge-offs | 98.8029% | 5,636 |
| Earnings coverage of net charge-offs (x) | 0.3575% | 5,758 |
| Efficiency ratio | 88.7296% | 1,818 |
| Assets per employee ($millions) | 3.2905% | 5,512 |
| Cash dividends to net income (ytd only)* | -2.9487% | 7,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6965% | 7,385 |
| Loan loss allowance to noncurrent loans | 18.7970% | 7,113 |
| Noncurrent assets plus other real estate owned to assets | 4.3174% | 1,515 |
| Noncurrent loans to loans | 3.7052% | 2,030 |
| Net loans and leases to total assets | 79.4400% | 1,107 |
| Net loans and leases to deposits | 88.3576% | 2,496 |
| Net loans and leases to core deposits | 124.5652% | 1,601 |
| Total domestic deposits to total assets | 89.9074% | 1,010 |
| Equity capital to assets | 9.3349% | 4,659 |
| Core capital (leverage) ratio | 9.0500% | 4,345 |
| Tier 1 risk-based capital ratio | 12.2022% | 4,770 |
| Total risk-based capital ratio | 12.9317% | 5,176 |
| Memoranda: | ||
| Average total assets | $98,533,800 | 5,127 |
| Average earning assets | $89,139,200 | 5,151 |
| Average equity | $8,092,400 | 5,893 |
| Average total loans | $79,256,200 | 4,542 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3838% | 953 |
| Cost of funding earning assets | 2.3503% | 1,807 |
| Net interest margin | 4.0334% | 2,667 |
| Noninterest income to average assets | 0.5957% | 3,746 |
| Noninterest expense to average assets | 3.5712% | 2,090 |
| Loan and lease loss provision to assets | 1.3199% | 1,466 |
| Net operating income to assets | -0.6322% | 6,550 |
| Return on assets (ROA) | -0.6322% | 6,560 |
| Pretax return on assets | -0.6457% | 6,442 |
| Return on Equity (ROE) | -7.9707% | 6,727 |
| Retained earnings to average equity (ytd only) | -8.3633% | 6,643 |
| Net charge-offs to loans | 1.0958% | 1,820 |
| Credit loss provision to net charge-offs | 149.5399% | 3,220 |
| Earnings coverage of net charge-offs (x) | 0.7638% | 5,282 |
| Efficiency ratio | 84.1199% | 2,281 |
| Assets per employee ($millions) | 3.0892% | 5,937 |
| Cash dividends to net income (ytd only)* | -4.9257% | 7,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 5,770 |
| Loan loss allowance to noncurrent loans | 28.8968% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 3.7462% | 1,737 |
| Noncurrent loans to loans | 3.7838% | 1,966 |
| Net loans and leases to total assets | 78.7958% | 1,425 |
| Net loans and leases to deposits | 85.9718% | 3,321 |
| Net loans and leases to core deposits | 144.1084% | 760 |
| Total domestic deposits to total assets | 91.6531% | 235 |
| Equity capital to assets | 7.5131% | 7,286 |
| Core capital (leverage) ratio | 7.5496% | 6,918 |
| Tier 1 risk-based capital ratio | 9.8732% | 7,074 |
| Total risk-based capital ratio | 11.0201% | 7,131 |
| Memoranda: | ||
| Average total assets | $98,488,250 | 5,166 |
| Average earning assets | $89,119,750 | 5,191 |
| Average equity | $7,811,750 | 6,043 |
| Average total loans | $79,327,750 | 4,569 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4061% | 999 |
| Cost of funding earning assets | 2.3889% | 2,008 |
| Net interest margin | 4.0172% | 2,628 |
| Noninterest income to average assets | 0.6452% | 3,379 |
| Noninterest expense to average assets | 3.7149% | 1,806 |
| Loan and lease loss provision to assets | 1.2739% | 1,345 |
| Net operating income to assets | -0.6986% | 6,750 |
| Return on assets (ROA) | -0.6986% | 6,750 |
| Pretax return on assets | -0.7192% | 6,615 |
| Return on Equity (ROE) | -8.6485% | 6,940 |
| Retained earnings to average equity (ytd only) | -9.2335% | 6,791 |
| Net charge-offs to loans | 1.2275% | 1,496 |
| Credit loss provision to net charge-offs | 128.3644% | 3,623 |
| Earnings coverage of net charge-offs (x) | 0.5590% | 5,153 |
| Efficiency ratio | 87.0067% | 2,121 |
| Assets per employee ($millions) | 2.7977% | 6,629 |
| Cash dividends to net income (ytd only)* | -6.7647% | 7,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 6,938 |
| Loan loss allowance to noncurrent loans | 16.9770% | 7,284 |
| Noncurrent assets plus other real estate owned to assets | 5.4096% | 937 |
| Noncurrent loans to loans | 5.0688% | 1,201 |
| Net loans and leases to total assets | 82.5948% | 848 |
| Net loans and leases to deposits | 90.4724% | 2,753 |
| Net loans and leases to core deposits | 151.5326% | 611 |
| Total domestic deposits to total assets | 91.2928% | 377 |
| Equity capital to assets | 7.9372% | 6,822 |
| Core capital (leverage) ratio | 7.8755% | 6,525 |
| Tier 1 risk-based capital ratio | 10.0098% | 6,905 |
| Total risk-based capital ratio | 10.9140% | 7,205 |
| Memoranda: | ||
| Average total assets | $97,337,000 | 5,238 |
| Average earning assets | $87,822,330 | 5,273 |
| Average equity | $7,862,670 | 6,069 |
| Average total loans | $78,699,000 | 4,627 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1886% | 1,635 |
| Cost of funding earning assets | 2.3567% | 2,488 |
| Net interest margin | 3.8319% | 3,328 |
| Noninterest income to average assets | 0.5894% | 3,633 |
| Noninterest expense to average assets | 3.5942% | 1,879 |
| Loan and lease loss provision to assets | 2.4112% | 483 |
| Net operating income to assets | -1.9166% | 7,635 |
| Return on assets (ROA) | -1.9166% | 7,637 |
| Pretax return on assets | -1.9578% | 7,522 |
| Return on Equity (ROE) | -23.5205% | 7,819 |
| Retained earnings to average equity (ytd only) | -24.0263% | 7,746 |
| Net charge-offs to loans | 0.2485% | 3,162 |
| Credit loss provision to net charge-offs | 1,218.7500% | 519 |
| Earnings coverage of net charge-offs (x) | 2.2917% | 3,588 |
| Efficiency ratio | 88.7984% | 1,824 |
| Assets per employee ($millions) | 2.5198% | 7,242 |
| Cash dividends to net income (ytd only)* | -2.1505% | 8,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 3,478 |
| Loan loss allowance to noncurrent loans | 27.3857% | 6,736 |
| Noncurrent assets plus other real estate owned to assets | 5.2741% | 827 |
| Noncurrent loans to loans | 5.1258% | 1,058 |
| Net loans and leases to total assets | 78.7632% | 1,634 |
| Net loans and leases to deposits | 85.9747% | 3,634 |
| Net loans and leases to core deposits | 134.3009% | 1,402 |
| Total domestic deposits to total assets | 91.6121% | 250 |
| Equity capital to assets | 7.8099% | 7,052 |
| Core capital (leverage) ratio | 7.9208% | 6,584 |
| Tier 1 risk-based capital ratio | 10.0418% | 6,868 |
| Total risk-based capital ratio | 11.2941% | 6,783 |
| Memoranda: | ||
| Average total assets | $97,046,000 | 5,272 |
| Average earning assets | $87,580,000 | 5,304 |
| Average equity | $7,908,000 | 6,093 |
| Average total loans | $77,259,500 | 4,713 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9782% | 1,192 |
| Cost of funding earning assets | 2.7345% | 3,000 |
| Net interest margin | 4.2437% | 2,140 |
| Noninterest income to average assets | 0.5946% | 3,873 |
| Noninterest expense to average assets | 3.4658% | 2,483 |
| Loan and lease loss provision to assets | 0.3961% | 3,317 |
| Net operating income to assets | 0.4347% | 5,011 |
| Return on assets (ROA) | 0.4347% | 4,835 |
| Pretax return on assets | 0.5689% | 4,783 |
| Return on Equity (ROE) | 4.6146% | 4,551 |
| Retained earnings to average equity (ytd only) | -16.9773% | 7,567 |
| Net charge-offs to loans | 0.2513% | 3,764 |
| Credit loss provision to net charge-offs | 223.6364% | 2,128 |
| Earnings coverage of net charge-offs (x) | 5.4485% | 3,646 |
| Efficiency ratio | 78.2219% | 2,883 |
| Assets per employee ($millions) | 2.4569% | 7,285 |
| Cash dividends to net income (ytd only)* | 467.9012% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7433% | 7,319 |
| Loan loss allowance to noncurrent loans | 18.2966% | 7,304 |
| Noncurrent assets plus other real estate owned to assets | 4.2747% | 917 |
| Noncurrent loans to loans | 4.0624% | 1,208 |
| Net loans and leases to total assets | 78.7412% | 1,951 |
| Net loans and leases to deposits | 91.2189% | 3,254 |
| Net loans and leases to core deposits | 136.9459% | 1,435 |
| Total domestic deposits to total assets | 86.3211% | 2,255 |
| Equity capital to assets | 8.4962% | 6,089 |
| Core capital (leverage) ratio | 8.6084% | 5,366 |
| Tier 1 risk-based capital ratio | 10.8787% | 5,834 |
| Total risk-based capital ratio | 11.6344% | 6,207 |
| Memoranda: | ||
| Average total assets | $93,168,000 | 5,253 |
| Average earning assets | $84,219,600 | 5,297 |
| Average equity | $8,776,400 | 5,818 |
| Average total loans | $65,664,200 | 5,035 |