Home > Bank of Shorewood > Performance and Condition Ratios
Bank of Shorewood, 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 | 4.8175% | 4,020 |
| Cost of funding earning assets | 1.2928% | 1,989 |
| Net interest margin | 3.5247% | 5,045 |
| Noninterest income to average assets | 0.4976% | 3,874 |
| Noninterest expense to average assets | 4.2239% | 810 |
| Loan and lease loss provision to assets | 2.6551% | 188 |
| Net operating income to assets | -3.3551% | 7,348 |
| Return on assets (ROA) | -3.0076% | 7,313 |
| Pretax return on assets | -3.0076% | 7,308 |
| Return on Equity (ROE) | -113.6150% | 7,447 |
| Retained earnings to average equity (ytd only) | -113.6150% | 7,447 |
| Net charge-offs to loans | 2.9144% | 361 |
| Credit loss provision to net charge-offs | 142.8312% | 2,140 |
| Earnings coverage of net charge-offs (x) | -0.3766% | 5,489 |
| Efficiency ratio | 119.8660% | 345 |
| Assets per employee ($millions) | 3.8180% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1449% | 50 |
| Loan loss allowance to noncurrent loans | 96.5994% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 12.2152% | 251 |
| Noncurrent loans to loans | 7.3965% | 657 |
| Net loans and leases to total assets | 60.6821% | 4,153 |
| Net loans and leases to deposits | 64.5918% | 5,198 |
| Net loans and leases to core deposits | 66.4665% | 5,450 |
| Total domestic deposits to total assets | 93.9471% | 83 |
| Equity capital to assets | 1.9282% | 7,477 |
| Core capital (leverage) ratio | 1.6959% | 7,484 |
| Tier 1 risk-based capital ratio | 2.4383% | 7,480 |
| Total risk-based capital ratio | 3.7504% | 7,480 |
| Memoranda: | ||
| Average total assets | $118,564,670 | 4,502 |
| Average earning assets | $101,794,670 | 4,657 |
| Average equity | $3,138,670 | 7,092 |
| Average total loans | $75,625,000 | 4,359 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 4,388 |
| Cost of funding earning assets | 1.3197% | 2,069 |
| Net interest margin | 3.4065% | 5,406 |
| Noninterest income to average assets | 0.4997% | 3,893 |
| Noninterest expense to average assets | 3.8731% | 1,215 |
| Loan and lease loss provision to assets | 1.1136% | 654 |
| Net operating income to assets | -1.5283% | 7,209 |
| Return on assets (ROA) | -1.1038% | 7,080 |
| Pretax return on assets | -1.1038% | 7,028 |
| Return on Equity (ROE) | -37.1378% | 7,366 |
| Retained earnings to average equity (ytd only) | -37.1378% | 7,343 |
| Net charge-offs to loans | 6.1508% | 106 |
| Credit loss provision to net charge-offs | 28.7037% | 4,139 |
| Earnings coverage of net charge-offs (x) | -0.1069% | 4,644 |
| Efficiency ratio | 111.9924% | 458 |
| Assets per employee ($millions) | 3.8793% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1601% | 176 |
| Loan loss allowance to noncurrent loans | 88.9993% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 9.7090% | 433 |
| Noncurrent loans to loans | 5.7979% | 1,112 |
| Net loans and leases to total assets | 58.8563% | 4,486 |
| Net loans and leases to deposits | 63.1603% | 5,366 |
| Net loans and leases to core deposits | 65.7947% | 5,532 |
| Total domestic deposits to total assets | 93.1855% | 122 |
| Equity capital to assets | 2.8771% | 7,489 |
| Core capital (leverage) ratio | 2.8152% | 7,488 |
| Tier 1 risk-based capital ratio | 3.9965% | 7,490 |
| Total risk-based capital ratio | 5.2866% | 7,490 |
| Memoranda: | ||
| Average total assets | $122,485,500 | 4,404 |
| Average earning assets | $106,385,500 | 4,583 |
| Average equity | $3,640,500 | 6,976 |
| Average total loans | $77,258,000 | 4,349 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3198% | 3,029 |
| Cost of funding earning assets | 1.7603% | 1,338 |
| Net interest margin | 3.5595% | 4,998 |
| Noninterest income to average assets | -0.3635% | 7,529 |
| Noninterest expense to average assets | 3.7888% | 1,506 |
| Loan and lease loss provision to assets | 3.4620% | 231 |
| Net operating income to assets | -4.4800% | 7,488 |
| Return on assets (ROA) | -4.3216% | 7,487 |
| Pretax return on assets | -4.3216% | 7,479 |
| Return on Equity (ROE) | -92.2135% | 7,581 |
| Retained earnings to average equity (ytd only) | -92.2135% | 7,581 |
| Net charge-offs to loans | 2.4748% | 760 |
| Credit loss provision to net charge-offs | 194.3082% | 1,637 |
| Earnings coverage of net charge-offs (x) | -0.5714% | 6,483 |
| Efficiency ratio | 136.7399% | 273 |
| Assets per employee ($millions) | 3.7792% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8810% | 114 |
| Loan loss allowance to noncurrent loans | 65.7615% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 10.2003% | 396 |
| Noncurrent loans to loans | 8.9429% | 529 |
| Net loans and leases to total assets | 60.2885% | 4,631 |
| Net loans and leases to deposits | 65.1991% | 5,494 |
| Net loans and leases to core deposits | 69.0163% | 5,552 |
| Total domestic deposits to total assets | 92.4682% | 189 |
| Equity capital to assets | 3.0639% | 7,560 |
| Core capital (leverage) ratio | 2.9977% | 7,556 |
| Tier 1 risk-based capital ratio | 4.2471% | 7,556 |
| Total risk-based capital ratio | 5.5477% | 7,557 |
| Memoranda: | ||
| Average total assets | $128,192,400 | 4,312 |
| Average earning assets | $112,881,000 | 4,401 |
| Average equity | $6,007,800 | 6,364 |
| Average total loans | $92,291,000 | 4,001 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4854% | 2,490 |
| Cost of funding earning assets | 1.8613% | 1,160 |
| Net interest margin | 3.6241% | 4,756 |
| Noninterest income to average assets | -0.2386% | 7,614 |
| Noninterest expense to average assets | 3.7810% | 1,407 |
| Loan and lease loss provision to assets | 3.5207% | 203 |
| Net operating income to assets | -4.3482% | 7,597 |
| Return on assets (ROA) | -4.1385% | 7,593 |
| Pretax return on assets | -4.1385% | 7,576 |
| Return on Equity (ROE) | -81.4891% | 7,660 |
| Retained earnings to average equity (ytd only) | -81.4891% | 7,660 |
| Net charge-offs to loans | 3.1937% | 459 |
| Credit loss provision to net charge-offs | 149.1466% | 2,610 |
| Earnings coverage of net charge-offs (x) | -0.3505% | 6,265 |
| Efficiency ratio | 128.0168% | 312 |
| Assets per employee ($millions) | 3.5223% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1908% | 317 |
| Loan loss allowance to noncurrent loans | 63.0349% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 8.3276% | 586 |
| Noncurrent loans to loans | 6.6484% | 880 |
| Net loans and leases to total assets | 70.0220% | 2,726 |
| Net loans and leases to deposits | 76.3788% | 4,112 |
| Net loans and leases to core deposits | 78.9837% | 4,667 |
| Total domestic deposits to total assets | 91.6774% | 260 |
| Equity capital to assets | 4.6009% | 7,608 |
| Core capital (leverage) ratio | 4.1888% | 7,612 |
| Tier 1 risk-based capital ratio | 5.5344% | 7,618 |
| Total risk-based capital ratio | 6.8160% | 7,621 |
| Memoranda: | ||
| Average total assets | $129,062,500 | 4,350 |
| Average earning assets | $113,681,250 | 4,438 |
| Average equity | $6,554,500 | 6,256 |
| Average total loans | $95,392,500 | 3,985 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5355% | 2,385 |
| Cost of funding earning assets | 1.9282% | 1,115 |
| Net interest margin | 3.6074% | 4,779 |
| Noninterest income to average assets | 0.6674% | 2,914 |
| Noninterest expense to average assets | 4.5504% | 543 |
| Loan and lease loss provision to assets | 5.3691% | 90 |
| Net operating income to assets | -6.0728% | 7,738 |
| Return on assets (ROA) | -5.9290% | 7,739 |
| Pretax return on assets | -5.9290% | 7,726 |
| Return on Equity (ROE) | -113.5213% | 7,750 |
| Retained earnings to average equity (ytd only) | -113.5213% | 7,750 |
| Net charge-offs to loans | 3.5688% | 406 |
| Credit loss provision to net charge-offs | 202.8588% | 1,927 |
| Earnings coverage of net charge-offs (x) | -0.2659% | 5,910 |
| Efficiency ratio | 118.2927% | 434 |
| Assets per employee ($millions) | 3.6273% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6992% | 220 |
| Loan loss allowance to noncurrent loans | 65.1177% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 8.6882% | 523 |
| Noncurrent loans to loans | 7.2164% | 760 |
| Net loans and leases to total assets | 69.3936% | 3,040 |
| Net loans and leases to deposits | 75.3915% | 4,442 |
| Net loans and leases to core deposits | 82.1603% | 4,393 |
| Total domestic deposits to total assets | 92.0444% | 212 |
| Equity capital to assets | 4.4095% | 7,669 |
| Core capital (leverage) ratio | 3.9447% | 7,684 |
| Tier 1 risk-based capital ratio | 5.3953% | 7,679 |
| Total risk-based capital ratio | 6.6835% | 7,678 |
| Memoranda: | ||
| Average total assets | $132,164,000 | 4,293 |
| Average earning assets | $116,484,000 | 4,405 |
| Average equity | $6,902,670 | 6,171 |
| Average total loans | $98,015,000 | 3,961 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5968% | 2,165 |
| Cost of funding earning assets | 2.0878% | 846 |
| Net interest margin | 3.5089% | 5,117 |
| Noninterest income to average assets | 0.5817% | 3,404 |
| Noninterest expense to average assets | 5.5740% | 265 |
| Loan and lease loss provision to assets | 9.2069% | 40 |
| Net operating income to assets | -11.1064% | 7,906 |
| Return on assets (ROA) | -10.8927% | 7,906 |
| Pretax return on assets | -10.8927% | 7,902 |
| Return on Equity (ROE) | -194.3084% | 7,885 |
| Retained earnings to average equity (ytd only) | -194.3084% | 7,884 |
| Net charge-offs to loans | 2.4008% | 698 |
| Credit loss provision to net charge-offs | 512.7273% | 819 |
| Earnings coverage of net charge-offs (x) | -1.0579% | 5,389 |
| Efficiency ratio | 151.6963% | 204 |
| Assets per employee ($millions) | 3.7563% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0520% | 166 |
| Loan loss allowance to noncurrent loans | 97.7132% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 7.0038% | 770 |
| Noncurrent loans to loans | 5.1702% | 1,391 |
| Net loans and leases to total assets | 70.0748% | 2,918 |
| Net loans and leases to deposits | 75.9033% | 4,435 |
| Net loans and leases to core deposits | 81.7693% | 4,527 |
| Total domestic deposits to total assets | 92.3211% | 189 |
| Equity capital to assets | 4.2040% | 7,782 |
| Core capital (leverage) ratio | 4.0886% | 7,773 |
| Tier 1 risk-based capital ratio | 5.1432% | 7,789 |
| Total risk-based capital ratio | 6.4349% | 7,789 |
| Memoranda: | ||
| Average total assets | $134,769,000 | 4,307 |
| Average earning assets | $118,782,500 | 4,408 |
| Average equity | $7,555,000 | 5,993 |
| Average total loans | $100,801,500 | 3,934 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6540% | 3,334 |
| Cost of funding earning assets | 2.4072% | 1,278 |
| Net interest margin | 3.2469% | 5,939 |
| Noninterest income to average assets | 0.6522% | 3,271 |
| Noninterest expense to average assets | 3.5485% | 2,276 |
| Loan and lease loss provision to assets | 2.3146% | 878 |
| Net operating income to assets | -2.2724% | 7,186 |
| Return on assets (ROA) | -1.9652% | 7,080 |
| Pretax return on assets | -1.9975% | 6,942 |
| Return on Equity (ROE) | -24.8085% | 7,282 |
| Retained earnings to average equity (ytd only) | -25.2623% | 7,271 |
| Net charge-offs to loans | 2.0694% | 1,186 |
| Credit loss provision to net charge-offs | 147.1879% | 3,199 |
| Earnings coverage of net charge-offs (x) | 0.0023% | 6,191 |
| Efficiency ratio | 99.8988% | 1,106 |
| Assets per employee ($millions) | 3.9503% | 3,916 |
| Cash dividends to net income (ytd only)* | -1.8295% | 7,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5000% | 1,228 |
| Loan loss allowance to noncurrent loans | 69.3272% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 6.5051% | 838 |
| Noncurrent loans to loans | 3.6061% | 2,092 |
| Net loans and leases to total assets | 73.9001% | 2,297 |
| Net loans and leases to deposits | 85.2737% | 3,035 |
| Net loans and leases to core deposits | 115.0341% | 2,411 |
| Total domestic deposits to total assets | 86.6623% | 2,674 |
| Equity capital to assets | 7.0173% | 7,361 |
| Core capital (leverage) ratio | 6.7631% | 7,386 |
| Tier 1 risk-based capital ratio | 8.0632% | 7,643 |
| Total risk-based capital ratio | 9.3321% | 7,651 |
| Memoranda: | ||
| Average total assets | $139,073,200 | 4,141 |
| Average earning assets | $124,212,400 | 4,212 |
| Average equity | $11,016,400 | 5,018 |
| Average total loans | $105,683,600 | 3,788 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6395% | 3,636 |
| Cost of funding earning assets | 2.5004% | 1,301 |
| Net interest margin | 3.1390% | 6,208 |
| Noninterest income to average assets | 0.6625% | 3,274 |
| Noninterest expense to average assets | 3.0874% | 3,690 |
| Loan and lease loss provision to assets | 2.1093% | 832 |
| Net operating income to assets | -0.9762% | 6,813 |
| Return on assets (ROA) | -0.7091% | 6,629 |
| Pretax return on assets | -1.2994% | 6,861 |
| Return on Equity (ROE) | -8.7140% | 6,788 |
| Retained earnings to average equity (ytd only) | -9.2981% | 6,738 |
| Net charge-offs to loans | 2.4090% | 766 |
| Credit loss provision to net charge-offs | 115.1531% | 4,408 |
| Earnings coverage of net charge-offs (x) | 0.2143% | 5,806 |
| Efficiency ratio | 88.7189% | 1,804 |
| Assets per employee ($millions) | 4.4017% | 3,030 |
| Cash dividends to net income (ytd only)* | -6.7029% | 7,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 2,647 |
| Loan loss allowance to noncurrent loans | 42.7017% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 5.4560% | 1,053 |
| Noncurrent loans to loans | 3.9715% | 1,850 |
| Net loans and leases to total assets | 74.2812% | 2,449 |
| Net loans and leases to deposits | 86.1845% | 3,277 |
| Net loans and leases to core deposits | 120.1557% | 2,228 |
| Total domestic deposits to total assets | 86.1885% | 2,596 |
| Equity capital to assets | 8.0843% | 6,764 |
| Core capital (leverage) ratio | 7.4963% | 6,976 |
| Tier 1 risk-based capital ratio | 8.9024% | 7,654 |
| Total risk-based capital ratio | 10.1579% | 7,675 |
| Memoranda: | ||
| Average total assets | $140,263,750 | 4,129 |
| Average earning assets | $125,895,250 | 4,211 |
| Average equity | $11,414,250 | 4,943 |
| Average total loans | $106,654,250 | 3,804 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6314% | 3,906 |
| Cost of funding earning assets | 2.5665% | 1,383 |
| Net interest margin | 3.0649% | 6,350 |
| Noninterest income to average assets | 0.6740% | 3,169 |
| Noninterest expense to average assets | 3.0885% | 3,746 |
| Loan and lease loss provision to assets | 2.1561% | 741 |
| Net operating income to assets | -1.0167% | 6,999 |
| Return on assets (ROA) | -0.9938% | 6,982 |
| Pretax return on assets | -1.7692% | 7,203 |
| Return on Equity (ROE) | -12.1856% | 7,183 |
| Retained earnings to average equity (ytd only) | -13.0610% | 7,116 |
| Net charge-offs to loans | 3.0151% | 543 |
| Credit loss provision to net charge-offs | 93.8471% | 4,803 |
| Earnings coverage of net charge-offs (x) | 0.1529% | 5,518 |
| Efficiency ratio | 89.7883% | 1,833 |
| Assets per employee ($millions) | 3.7849% | 4,135 |
| Cash dividends to net income (ytd only)* | -7.1839% | 7,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 4,163 |
| Loan loss allowance to noncurrent loans | 35.2443% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 4.3929% | 1,296 |
| Noncurrent loans to loans | 3.7443% | 1,850 |
| Net loans and leases to total assets | 75.5025% | 2,313 |
| Net loans and leases to deposits | 90.2492% | 2,796 |
| Net loans and leases to core deposits | 126.4906% | 1,822 |
| Total domestic deposits to total assets | 83.6600% | 3,940 |
| Equity capital to assets | 8.2110% | 6,472 |
| Core capital (leverage) ratio | 7.6674% | 6,805 |
| Tier 1 risk-based capital ratio | 8.9226% | 7,735 |
| Total risk-based capital ratio | 10.0895% | 7,811 |
| Memoranda: | ||
| Average total assets | $140,067,000 | 4,172 |
| Average earning assets | $126,397,330 | 4,219 |
| Average equity | $11,423,330 | 4,969 |
| Average total loans | $106,728,000 | 3,839 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6572% | 4,012 |
| Cost of funding earning assets | 2.6327% | 1,476 |
| Net interest margin | 3.0246% | 6,415 |
| Noninterest income to average assets | 0.5568% | 3,863 |
| Noninterest expense to average assets | 2.9383% | 4,020 |
| Loan and lease loss provision to assets | 1.0708% | 1,224 |
| Net operating income to assets | -0.3541% | 6,743 |
| Return on assets (ROA) | -0.3084% | 6,768 |
| Pretax return on assets | -0.6482% | 6,933 |
| Return on Equity (ROE) | -3.7943% | 6,870 |
| Retained earnings to average equity (ytd only) | -3.7943% | 6,400 |
| Net charge-offs to loans | 3.9167% | 311 |
| Credit loss provision to net charge-offs | 35.9540% | 4,876 |
| Earnings coverage of net charge-offs (x) | 0.1179% | 4,884 |
| Efficiency ratio | 89.3229% | 1,775 |
| Assets per employee ($millions) | 3.8763% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7994% | 7,160 |
| Loan loss allowance to noncurrent loans | 13.2134% | 7,455 |
| Noncurrent assets plus other real estate owned to assets | 6.1226% | 641 |
| Noncurrent loans to loans | 6.0496% | 787 |
| Net loans and leases to total assets | 75.1462% | 2,467 |
| Net loans and leases to deposits | 92.1752% | 2,562 |
| Net loans and leases to core deposits | 138.9695% | 1,152 |
| Total domestic deposits to total assets | 81.5254% | 4,736 |
| Equity capital to assets | 8.3219% | 6,357 |
| Core capital (leverage) ratio | 8.1265% | 6,236 |
| Tier 1 risk-based capital ratio | 9.4040% | 7,508 |
| Total risk-based capital ratio | 10.1063% | 7,908 |
| Memoranda: | ||
| Average total assets | $140,079,000 | 4,183 |
| Average earning assets | $126,564,000 | 4,232 |
| Average equity | $11,385,500 | 5,007 |
| Average total loans | $106,517,000 | 3,871 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3478% | 3,703 |
| Cost of funding earning assets | 2.8940% | 2,291 |
| Net interest margin | 3.4538% | 5,453 |
| Noninterest income to average assets | 0.6073% | 3,792 |
| Noninterest expense to average assets | 2.9853% | 4,135 |
| Loan and lease loss provision to assets | 0.7469% | 1,992 |
| Net operating income to assets | 0.0759% | 6,165 |
| Return on assets (ROA) | 0.1728% | 5,763 |
| Pretax return on assets | 0.1164% | 5,911 |
| Return on Equity (ROE) | 2.1381% | 5,566 |
| Retained earnings to average equity (ytd only) | 0.2594% | 5,085 |
| Net charge-offs to loans | 0.2732% | 3,580 |
| Credit loss provision to net charge-offs | 354.9828% | 1,262 |
| Earnings coverage of net charge-offs (x) | 3.6426% | 4,272 |
| Efficiency ratio | 79.5722% | 2,656 |
| Assets per employee ($millions) | 3.7003% | 4,178 |
| Cash dividends to net income (ytd only)* | 87.8661% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 3,142 |
| Loan loss allowance to noncurrent loans | 61.1313% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 3.2942% | 1,372 |
| Noncurrent loans to loans | 2.3061% | 2,400 |
| Net loans and leases to total assets | 75.2514% | 2,820 |
| Net loans and leases to deposits | 91.5772% | 3,204 |
| Net loans and leases to core deposits | 140.5921% | 1,235 |
| Total domestic deposits to total assets | 82.1727% | 4,133 |
| Equity capital to assets | 7.9354% | 6,918 |
| Core capital (leverage) ratio | 7.8620% | 6,711 |
| Tier 1 risk-based capital ratio | 9.2520% | 7,571 |
| Total risk-based capital ratio | 10.5081% | 7,501 |
| Memoranda: | ||
| Average total assets | $138,309,400 | 4,114 |
| Average earning assets | $125,917,600 | 4,131 |
| Average equity | $11,178,000 | 5,073 |
| Average total loans | $106,514,800 | 3,779 |