Home > Bank of the Commonwealth > Performance and Condition Ratios
Bank of the Commonwealth, 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 | 5.0639% | 2,860 |
| Cost of funding earning assets | 2.3673% | 48 |
| Net interest margin | 2.6966% | 7,030 |
| Noninterest income to average assets | -0.1842% | 7,334 |
| Noninterest expense to average assets | 3.3041% | 2,546 |
| Loan and lease loss provision to assets | 5.3006% | 42 |
| Net operating income to assets | -6.3102% | 7,468 |
| Return on assets (ROA) | -6.3118% | 7,470 |
| Pretax return on assets | -6.3621% | 7,469 |
| Return on Equity (ROE) | -182.7016% | 7,484 |
| Retained earnings to average equity (ytd only) | -182.7016% | 7,484 |
| Net charge-offs to loans | 10.4674% | 15 |
| Credit loss provision to net charge-offs | 58.6336% | 4,376 |
| Earnings coverage of net charge-offs (x) | -0.1172% | 5,358 |
| Efficiency ratio | 145.0923% | 176 |
| Assets per employee ($millions) | 4.9010% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1021% | 52 |
| Loan loss allowance to noncurrent loans | 39.4978% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 20.0874% | 60 |
| Noncurrent loans to loans | 17.9810% | 85 |
| Net loans and leases to total assets | 79.1822% | 623 |
| Net loans and leases to deposits | 86.4917% | 1,716 |
| Net loans and leases to core deposits | 141.1818% | 182 |
| Total domestic deposits to total assets | 91.5489% | 330 |
| Equity capital to assets | 1.6708% | 7,487 |
| Core capital (leverage) ratio | 1.6058% | 7,486 |
| Tier 1 risk-based capital ratio | 2.0190% | 7,488 |
| Total risk-based capital ratio | 3.3437% | 7,488 |
| Memoranda: | ||
| Average total assets | $1,037,804,000 | 650 |
| Average earning assets | $934,574,330 | 648 |
| Average equity | $35,853,000 | 1,872 |
| Average total loans | $896,309,330 | 477 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0312% | 2,948 |
| Cost of funding earning assets | 2.3945% | 49 |
| Net interest margin | 2.6367% | 7,090 |
| Noninterest income to average assets | -0.0282% | 7,335 |
| Noninterest expense to average assets | 2.9770% | 3,740 |
| Loan and lease loss provision to assets | 1.8790% | 299 |
| Net operating income to assets | -2.4959% | 7,341 |
| Return on assets (ROA) | -2.4977% | 7,340 |
| Pretax return on assets | -2.4966% | 7,325 |
| Return on Equity (ROE) | -58.3535% | 7,432 |
| Retained earnings to average equity (ytd only) | -58.3535% | 7,420 |
| Net charge-offs to loans | 9.6535% | 42 |
| Credit loss provision to net charge-offs | 22.4020% | 4,232 |
| Earnings coverage of net charge-offs (x) | -0.0734% | 4,632 |
| Efficiency ratio | 126.0745% | 291 |
| Assets per employee ($millions) | 5.1838% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8738% | 63 |
| Loan loss allowance to noncurrent loans | 52.5003% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 15.0052% | 157 |
| Noncurrent loans to loans | 13.0928% | 228 |
| Net loans and leases to total assets | 81.0613% | 435 |
| Net loans and leases to deposits | 91.6265% | 1,052 |
| Net loans and leases to core deposits | 161.0218% | 127 |
| Total domestic deposits to total assets | 88.4692% | 2,099 |
| Equity capital to assets | 4.0949% | 7,432 |
| Core capital (leverage) ratio | 3.9676% | 7,443 |
| Tier 1 risk-based capital ratio | 4.9660% | 7,459 |
| Total risk-based capital ratio | 6.2902% | 7,457 |
| Memoranda: | ||
| Average total assets | $1,064,158,000 | 634 |
| Average earning assets | $964,381,000 | 631 |
| Average equity | $45,550,000 | 1,474 |
| Average total loans | $924,637,000 | 470 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7090% | 1,536 |
| Cost of funding earning assets | 2.5075% | 100 |
| Net interest margin | 3.2015% | 6,270 |
| Noninterest income to average assets | 0.1752% | 6,484 |
| Noninterest expense to average assets | 2.2088% | 6,592 |
| Loan and lease loss provision to assets | 4.3631% | 128 |
| Net operating income to assets | -4.1876% | 7,461 |
| Return on assets (ROA) | -4.1884% | 7,469 |
| Pretax return on assets | -3.4858% | 7,366 |
| Return on Equity (ROE) | -58.5222% | 7,475 |
| Retained earnings to average equity (ytd only) | -58.5222% | 7,472 |
| Net charge-offs to loans | 1.9567% | 1,038 |
| Credit loss provision to net charge-offs | 272.8657% | 1,003 |
| Earnings coverage of net charge-offs (x) | 0.5491% | 5,560 |
| Efficiency ratio | 71.5555% | 3,878 |
| Assets per employee ($millions) | 5.7421% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3081% | 37 |
| Loan loss allowance to noncurrent loans | 60.6320% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 14.8245% | 172 |
| Noncurrent loans to loans | 13.7025% | 207 |
| Net loans and leases to total assets | 79.5362% | 725 |
| Net loans and leases to deposits | 90.7610% | 1,428 |
| Net loans and leases to core deposits | 163.2067% | 131 |
| Total domestic deposits to total assets | 87.6326% | 2,462 |
| Equity capital to assets | 4.4549% | 7,481 |
| Core capital (leverage) ratio | 4.2053% | 7,482 |
| Tier 1 risk-based capital ratio | 5.5328% | 7,504 |
| Total risk-based capital ratio | 6.8776% | 7,504 |
| Memoranda: | ||
| Average total assets | $1,203,573,800 | 557 |
| Average earning assets | $1,094,604,800 | 551 |
| Average equity | $86,138,200 | 775 |
| Average total loans | $983,566,200 | 452 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8067% | 1,376 |
| Cost of funding earning assets | 2.5183% | 129 |
| Net interest margin | 3.2884% | 6,056 |
| Noninterest income to average assets | 0.2734% | 5,922 |
| Noninterest expense to average assets | 2.0191% | 7,014 |
| Loan and lease loss provision to assets | 3.2523% | 242 |
| Net operating income to assets | -1.3085% | 7,037 |
| Return on assets (ROA) | -1.3129% | 7,064 |
| Pretax return on assets | -2.0127% | 7,200 |
| Return on Equity (ROE) | -16.9215% | 7,155 |
| Retained earnings to average equity (ytd only) | -16.9215% | 7,133 |
| Net charge-offs to loans | 1.9498% | 978 |
| Credit loss provision to net charge-offs | 206.9512% | 1,710 |
| Earnings coverage of net charge-offs (x) | 0.7916% | 5,255 |
| Efficiency ratio | 61.8765% | 5,644 |
| Assets per employee ($millions) | 6.2066% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3056% | 98 |
| Loan loss allowance to noncurrent loans | 68.5463% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 10.3078% | 384 |
| Noncurrent loans to loans | 9.1990% | 511 |
| Net loans and leases to total assets | 77.2130% | 1,175 |
| Net loans and leases to deposits | 91.3067% | 1,536 |
| Net loans and leases to core deposits | 162.3790% | 141 |
| Total domestic deposits to total assets | 84.5644% | 3,843 |
| Equity capital to assets | 7.4031% | 7,179 |
| Core capital (leverage) ratio | 6.4050% | 7,359 |
| Tier 1 risk-based capital ratio | 8.1242% | 7,470 |
| Total risk-based capital ratio | 9.4383% | 7,470 |
| Memoranda: | ||
| Average total assets | $1,230,284,250 | 542 |
| Average earning assets | $1,118,542,000 | 539 |
| Average equity | $95,458,250 | 702 |
| Average total loans | $991,623,500 | 451 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2378% | 3,777 |
| Cost of funding earning assets | 2.5144% | 167 |
| Net interest margin | 2.7235% | 7,232 |
| Noninterest income to average assets | 0.1300% | 6,938 |
| Noninterest expense to average assets | 1.7540% | 7,447 |
| Loan and lease loss provision to assets | 1.6046% | 814 |
| Net operating income to assets | -0.4777% | 6,629 |
| Return on assets (ROA) | -0.4831% | 6,673 |
| Pretax return on assets | -0.7405% | 6,748 |
| Return on Equity (ROE) | -6.1379% | 6,778 |
| Retained earnings to average equity (ytd only) | -6.1379% | 6,666 |
| Net charge-offs to loans | 0.8044% | 2,238 |
| Credit loss provision to net charge-offs | 249.2403% | 1,546 |
| Earnings coverage of net charge-offs (x) | 1.3507% | 4,474 |
| Efficiency ratio | 66.8561% | 4,803 |
| Assets per employee ($millions) | 6.6380% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3836% | 137 |
| Loan loss allowance to noncurrent loans | 54.5667% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 8.9026% | 506 |
| Noncurrent loans to loans | 9.8660% | 453 |
| Net loans and leases to total assets | 74.4824% | 1,813 |
| Net loans and leases to deposits | 88.1214% | 2,154 |
| Net loans and leases to core deposits | 156.6732% | 184 |
| Total domestic deposits to total assets | 84.5224% | 3,857 |
| Equity capital to assets | 7.8935% | 6,855 |
| Core capital (leverage) ratio | 6.8589% | 7,257 |
| Tier 1 risk-based capital ratio | 9.1273% | 7,390 |
| Total risk-based capital ratio | 10.4314% | 7,374 |
| Memoranda: | ||
| Average total assets | $1,247,293,000 | 536 |
| Average earning assets | $1,141,998,670 | 527 |
| Average equity | $98,177,000 | 670 |
| Average total loans | $998,225,000 | 455 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1684% | 4,206 |
| Cost of funding earning assets | 2.5356% | 207 |
| Net interest margin | 2.6328% | 7,359 |
| Noninterest income to average assets | 0.1942% | 6,574 |
| Noninterest expense to average assets | 1.3578% | 7,776 |
| Loan and lease loss provision to assets | 1.5864% | 729 |
| Net operating income to assets | -0.2177% | 6,565 |
| Return on assets (ROA) | -0.2193% | 6,635 |
| Pretax return on assets | -0.3368% | 6,674 |
| Return on Equity (ROE) | -2.7902% | 6,723 |
| Retained earnings to average equity (ytd only) | -2.7902% | 6,332 |
| Net charge-offs to loans | 0.6398% | 2,220 |
| Credit loss provision to net charge-offs | 307.3801% | 1,283 |
| Earnings coverage of net charge-offs (x) | 2.4244% | 3,330 |
| Efficiency ratio | 52.0438% | 7,147 |
| Assets per employee ($millions) | 6.5511% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9036% | 186 |
| Loan loss allowance to noncurrent loans | 52.5898% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 8.7125% | 526 |
| Noncurrent loans to loans | 9.3243% | 495 |
| Net loans and leases to total assets | 76.5652% | 1,421 |
| Net loans and leases to deposits | 90.4377% | 1,841 |
| Net loans and leases to core deposits | 165.6489% | 167 |
| Total domestic deposits to total assets | 84.6607% | 3,823 |
| Equity capital to assets | 7.9302% | 6,727 |
| Core capital (leverage) ratio | 6.8974% | 7,306 |
| Tier 1 risk-based capital ratio | 8.9711% | 7,481 |
| Total risk-based capital ratio | 10.2683% | 7,481 |
| Memoranda: | ||
| Average total assets | $1,260,244,500 | 546 |
| Average earning assets | $1,155,864,500 | 535 |
| Average equity | $99,060,000 | 672 |
| Average total loans | $1,016,596,500 | 466 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2697% | 1,081 |
| Cost of funding earning assets | 2.7110% | 565 |
| Net interest margin | 3.5587% | 4,700 |
| Noninterest income to average assets | 0.3074% | 5,886 |
| Noninterest expense to average assets | 2.1642% | 7,058 |
| Loan and lease loss provision to assets | 4.7031% | 233 |
| Net operating income to assets | -2.1595% | 7,151 |
| Return on assets (ROA) | -2.1624% | 7,151 |
| Pretax return on assets | -3.3010% | 7,369 |
| Return on Equity (ROE) | -22.6946% | 7,225 |
| Retained earnings to average equity (ytd only) | -22.6946% | 7,197 |
| Net charge-offs to loans | 3.7667% | 480 |
| Credit loss provision to net charge-offs | 137.3011% | 3,587 |
| Earnings coverage of net charge-offs (x) | 0.4101% | 5,703 |
| Efficiency ratio | 60.6373% | 6,381 |
| Assets per employee ($millions) | 6.5091% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4392% | 264 |
| Loan loss allowance to noncurrent loans | 58.9766% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 6.9751% | 722 |
| Noncurrent loans to loans | 7.5271% | 700 |
| Net loans and leases to total assets | 77.2286% | 1,539 |
| Net loans and leases to deposits | 91.1189% | 2,028 |
| Net loans and leases to core deposits | 109.1647% | 2,984 |
| Total domestic deposits to total assets | 84.7559% | 3,682 |
| Equity capital to assets | 7.7923% | 6,775 |
| Core capital (leverage) ratio | 8.3734% | 5,493 |
| Tier 1 risk-based capital ratio | 9.7980% | 7,022 |
| Total risk-based capital ratio | 11.0881% | 6,975 |
| Memoranda: | ||
| Average total assets | $1,146,579,000 | 581 |
| Average earning assets | $1,050,863,400 | 577 |
| Average equity | $109,250,800 | 598 |
| Average total loans | $1,042,696,400 | 463 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4697% | 801 |
| Cost of funding earning assets | 2.7627% | 660 |
| Net interest margin | 3.7070% | 4,038 |
| Noninterest income to average assets | 0.3827% | 5,458 |
| Noninterest expense to average assets | 2.1703% | 7,051 |
| Loan and lease loss provision to assets | 6.2712% | 92 |
| Net operating income to assets | -3.0501% | 7,597 |
| Return on assets (ROA) | -3.0540% | 7,609 |
| Pretax return on assets | -4.6673% | 7,772 |
| Return on Equity (ROE) | -30.4626% | 7,618 |
| Retained earnings to average equity (ytd only) | -30.4626% | 7,603 |
| Net charge-offs to loans | 2.4851% | 734 |
| Credit loss provision to net charge-offs | 268.9209% | 1,577 |
| Earnings coverage of net charge-offs (x) | 0.6894% | 5,343 |
| Efficiency ratio | 57.4460% | 6,798 |
| Assets per employee ($millions) | 5.5096% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0819% | 82 |
| Loan loss allowance to noncurrent loans | 77.0455% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 8.6058% | 471 |
| Noncurrent loans to loans | 7.8939% | 623 |
| Net loans and leases to total assets | 87.5583% | 230 |
| Net loans and leases to deposits | 102.8705% | 856 |
| Net loans and leases to core deposits | 124.3987% | 1,865 |
| Total domestic deposits to total assets | 85.1151% | 3,168 |
| Equity capital to assets | 8.7376% | 5,898 |
| Core capital (leverage) ratio | 7.9792% | 6,396 |
| Tier 1 risk-based capital ratio | 8.9143% | 7,650 |
| Total risk-based capital ratio | 10.2268% | 7,647 |
| Memoranda: | ||
| Average total assets | $1,114,277,750 | 608 |
| Average earning assets | $1,020,610,750 | 601 |
| Average equity | $111,710,250 | 597 |
| Average total loans | $1,045,610,500 | 479 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5375% | 757 |
| Cost of funding earning assets | 2.7432% | 920 |
| Net interest margin | 3.7942% | 3,576 |
| Noninterest income to average assets | 0.4290% | 5,044 |
| Noninterest expense to average assets | 2.1159% | 7,241 |
| Loan and lease loss provision to assets | 1.3523% | 1,280 |
| Net operating income to assets | 0.2937% | 4,922 |
| Return on assets (ROA) | 0.2988% | 5,019 |
| Pretax return on assets | 0.4582% | 4,755 |
| Return on Equity (ROE) | 2.8556% | 4,956 |
| Retained earnings to average equity (ytd only) | 2.8556% | 3,737 |
| Net charge-offs to loans | 3.1366% | 519 |
| Credit loss provision to net charge-offs | 45.8435% | 5,817 |
| Earnings coverage of net charge-offs (x) | 0.6120% | 5,099 |
| Efficiency ratio | 53.9615% | 7,335 |
| Assets per employee ($millions) | 5.5331% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1087% | 1,376 |
| Loan loss allowance to noncurrent loans | 35.9508% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 6.6553% | 671 |
| Noncurrent loans to loans | 5.8655% | 945 |
| Net loans and leases to total assets | 91.1021% | 87 |
| Net loans and leases to deposits | 116.8027% | 307 |
| Net loans and leases to core deposits | 138.2495% | 1,093 |
| Total domestic deposits to total assets | 77.9966% | 6,078 |
| Equity capital to assets | 10.7442% | 3,166 |
| Core capital (leverage) ratio | 10.9936% | 2,401 |
| Tier 1 risk-based capital ratio | 11.4386% | 5,458 |
| Total risk-based capital ratio | 12.6989% | 5,361 |
| Memoranda: | ||
| Average total assets | $1,109,215,000 | 626 |
| Average earning assets | $1,020,914,670 | 610 |
| Average equity | $116,051,000 | 585 |
| Average total loans | $1,043,153,330 | 490 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5291% | 818 |
| Cost of funding earning assets | 2.7763% | 1,042 |
| Net interest margin | 3.7528% | 3,646 |
| Noninterest income to average assets | 0.4796% | 4,512 |
| Noninterest expense to average assets | 2.0203% | 7,308 |
| Loan and lease loss provision to assets | 1.4604% | 863 |
| Net operating income to assets | 0.3048% | 5,279 |
| Return on assets (ROA) | 0.2991% | 5,476 |
| Pretax return on assets | 0.4556% | 5,227 |
| Return on Equity (ROE) | 2.8990% | 5,407 |
| Retained earnings to average equity (ytd only) | 2.8990% | 4,254 |
| Net charge-offs to loans | 0.6114% | 1,950 |
| Credit loss provision to net charge-offs | 252.6183% | 1,859 |
| Earnings coverage of net charge-offs (x) | 3.3237% | 3,212 |
| Efficiency ratio | 51.2538% | 7,486 |
| Assets per employee ($millions) | 5.3306% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1901% | 407 |
| Loan loss allowance to noncurrent loans | 53.1395% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 6.4145% | 586 |
| Noncurrent loans to loans | 6.0032% | 801 |
| Net loans and leases to total assets | 91.7972% | 67 |
| Net loans and leases to deposits | 125.2660% | 197 |
| Net loans and leases to core deposits | 147.4787% | 796 |
| Total domestic deposits to total assets | 73.2818% | 7,011 |
| Equity capital to assets | 10.9172% | 3,046 |
| Core capital (leverage) ratio | 11.0816% | 2,443 |
| Tier 1 risk-based capital ratio | 11.6327% | 5,265 |
| Total risk-based capital ratio | 12.9070% | 5,162 |
| Memoranda: | ||
| Average total assets | $1,096,676,500 | 630 |
| Average earning assets | $1,011,720,000 | 617 |
| Average equity | $113,141,000 | 592 |
| Average total loans | $1,036,918,000 | 500 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1356% | 844 |
| Cost of funding earning assets | 3.1903% | 1,220 |
| Net interest margin | 3.9454% | 3,386 |
| Noninterest income to average assets | 0.4871% | 4,726 |
| Noninterest expense to average assets | 2.0823% | 7,272 |
| Loan and lease loss provision to assets | 2.5031% | 415 |
| Net operating income to assets | -0.2927% | 6,725 |
| Return on assets (ROA) | -0.2927% | 6,582 |
| Pretax return on assets | -0.4409% | 6,594 |
| Return on Equity (ROE) | -2.5886% | 6,573 |
| Retained earnings to average equity (ytd only) | -2.5886% | 6,014 |
| Net charge-offs to loans | 0.2535% | 3,742 |
| Credit loss provision to net charge-offs | 1,053.2513% | 421 |
| Earnings coverage of net charge-offs (x) | 8.6775% | 2,837 |
| Efficiency ratio | 50.2419% | 7,648 |
| Assets per employee ($millions) | 5.1894% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0436% | 415 |
| Loan loss allowance to noncurrent loans | 65.3191% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 4.7905% | 752 |
| Noncurrent loans to loans | 4.6596% | 1,010 |
| Net loans and leases to total assets | 91.4044% | 109 |
| Net loans and leases to deposits | 126.5073% | 265 |
| Net loans and leases to core deposits | 147.9836% | 938 |
| Total domestic deposits to total assets | 72.2523% | 6,954 |
| Equity capital to assets | 9.7028% | 4,420 |
| Core capital (leverage) ratio | 9.9572% | 3,484 |
| Tier 1 risk-based capital ratio | 10.4331% | 6,283 |
| Total risk-based capital ratio | 11.7058% | 6,132 |
| Memoranda: | ||
| Average total assets | $957,683,400 | 694 |
| Average earning assets | $887,797,600 | 677 |
| Average equity | $108,280,400 | 626 |
| Average total loans | $897,683,000 | 545 |