Home > Bank of the Northwest > Performance and Condition Ratios
Bank of the Northwest, 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 | 5.1855% | 2,319 |
| Cost of funding earning assets | 0.9075% | 4,603 |
| Net interest margin | 4.2780% | 1,741 |
| Noninterest income to average assets | -0.3250% | 7,388 |
| Noninterest expense to average assets | 4.3282% | 723 |
| Loan and lease loss provision to assets | 0.0027% | 6,206 |
| Net operating income to assets | -0.6458% | 6,786 |
| Return on assets (ROA) | -0.6458% | 6,794 |
| Pretax return on assets | -0.6458% | 6,733 |
| Return on Equity (ROE) | -6.3141% | 6,795 |
| Retained earnings to average equity (ytd only) | -6.3141% | 6,675 |
| Net charge-offs to loans | 0.1743% | 4,125 |
| Credit loss provision to net charge-offs | 1.9608% | 5,321 |
| Earnings coverage of net charge-offs (x) | -4.6176% | 5,791 |
| Efficiency ratio | 117.4509% | 367 |
| Assets per employee ($millions) | 4.7584% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4440% | 624 |
| Loan loss allowance to noncurrent loans | 79.9017% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 4.6329% | 1,348 |
| Noncurrent loans to loans | 4.3103% | 1,566 |
| Net loans and leases to total assets | 74.1233% | 1,394 |
| Net loans and leases to deposits | 84.8261% | 1,973 |
| Net loans and leases to core deposits | 98.1270% | 1,495 |
| Total domestic deposits to total assets | 87.3826% | 2,532 |
| Equity capital to assets | 9.9247% | 4,247 |
| Core capital (leverage) ratio | 10.0329% | 3,223 |
| Tier 1 risk-based capital ratio | 13.5348% | 4,496 |
| Total risk-based capital ratio | 14.8143% | 4,459 |
| Memoranda: | ||
| Average total assets | $146,481,670 | 3,910 |
| Average earning assets | $137,306,000 | 3,832 |
| Average equity | $14,982,330 | 3,907 |
| Average total loans | $117,032,330 | 3,292 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1964% | 2,234 |
| Cost of funding earning assets | 0.9237% | 4,757 |
| Net interest margin | 4.2727% | 1,656 |
| Noninterest income to average assets | 0.1754% | 6,474 |
| Noninterest expense to average assets | 3.9817% | 1,060 |
| Loan and lease loss provision to assets | 0.0027% | 5,823 |
| Net operating income to assets | 0.2220% | 5,713 |
| Return on assets (ROA) | 0.2220% | 5,774 |
| Pretax return on assets | 0.2220% | 5,890 |
| Return on Equity (ROE) | 2.1381% | 5,736 |
| Retained earnings to average equity (ytd only) | 2.1381% | 4,857 |
| Net charge-offs to loans | -0.0034% | 6,207 |
| Credit loss provision to net charge-offs | -100.0000% | 5,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6580% | 1,003 |
| Assets per employee ($millions) | 4.5747% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3787% | 672 |
| Loan loss allowance to noncurrent loans | 71.3369% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 5.2005% | 1,203 |
| Noncurrent loans to loans | 4.7363% | 1,458 |
| Net loans and leases to total assets | 78.1782% | 709 |
| Net loans and leases to deposits | 89.8686% | 1,246 |
| Net loans and leases to core deposits | 104.5695% | 1,023 |
| Total domestic deposits to total assets | 86.9916% | 2,943 |
| Equity capital to assets | 10.3791% | 3,311 |
| Core capital (leverage) ratio | 10.4931% | 2,620 |
| Tier 1 risk-based capital ratio | 13.4103% | 4,492 |
| Total risk-based capital ratio | 14.6883% | 4,452 |
| Memoranda: | ||
| Average total assets | $145,967,000 | 3,955 |
| Average earning assets | $137,710,500 | 3,865 |
| Average equity | $15,153,500 | 3,872 |
| Average total loans | $118,928,500 | 3,279 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9540% | 4,772 |
| Cost of funding earning assets | 1.1987% | 4,571 |
| Net interest margin | 3.7552% | 4,133 |
| Noninterest income to average assets | 0.1620% | 6,557 |
| Noninterest expense to average assets | 4.1843% | 918 |
| Loan and lease loss provision to assets | 0.4351% | 3,512 |
| Net operating income to assets | -0.8974% | 6,631 |
| Return on assets (ROA) | -0.8974% | 6,658 |
| Pretax return on assets | -0.8974% | 6,576 |
| Return on Equity (ROE) | -9.2276% | 6,692 |
| Retained earnings to average equity (ytd only) | -9.2276% | 6,614 |
| Net charge-offs to loans | 1.2176% | 1,840 |
| Credit loss provision to net charge-offs | 45.8770% | 6,317 |
| Earnings coverage of net charge-offs (x) | -0.4876% | 6,449 |
| Efficiency ratio | 112.4229% | 501 |
| Assets per employee ($millions) | 4.5483% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3498% | 658 |
| Loan loss allowance to noncurrent loans | 60.5235% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 5.7323% | 1,061 |
| Noncurrent loans to loans | 5.5347% | 1,185 |
| Net loans and leases to total assets | 79.2956% | 758 |
| Net loans and leases to deposits | 91.4892% | 1,327 |
| Net loans and leases to core deposits | 110.4085% | 894 |
| Total domestic deposits to total assets | 86.6721% | 2,994 |
| Equity capital to assets | 10.3838% | 3,292 |
| Core capital (leverage) ratio | 10.0472% | 3,033 |
| Tier 1 risk-based capital ratio | 13.2469% | 4,414 |
| Total risk-based capital ratio | 14.5249% | 4,350 |
| Memoranda: | ||
| Average total assets | $161,126,400 | 3,676 |
| Average earning assets | $152,746,600 | 3,592 |
| Average equity | $15,670,400 | 3,824 |
| Average total loans | $125,489,800 | 3,208 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8925% | 5,303 |
| Cost of funding earning assets | 1.2532% | 4,551 |
| Net interest margin | 3.6393% | 4,679 |
| Noninterest income to average assets | 0.1802% | 6,591 |
| Noninterest expense to average assets | 4.1812% | 851 |
| Loan and lease loss provision to assets | 0.3410% | 3,877 |
| Net operating income to assets | -0.8928% | 6,838 |
| Return on assets (ROA) | -0.8928% | 6,881 |
| Pretax return on assets | -0.8928% | 6,801 |
| Return on Equity (ROE) | -9.3189% | 6,895 |
| Retained earnings to average equity (ytd only) | -9.3189% | 6,840 |
| Net charge-offs to loans | 1.3804% | 1,474 |
| Credit loss provision to net charge-offs | 32.0913% | 6,129 |
| Earnings coverage of net charge-offs (x) | -0.5194% | 6,330 |
| Efficiency ratio | 115.2048% | 444 |
| Assets per employee ($millions) | 4.8164% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3055% | 634 |
| Loan loss allowance to noncurrent loans | 57.7256% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 6.0802% | 976 |
| Noncurrent loans to loans | 5.7262% | 1,136 |
| Net loans and leases to total assets | 74.6678% | 1,644 |
| Net loans and leases to deposits | 85.7534% | 2,398 |
| Net loans and leases to core deposits | 110.6144% | 1,003 |
| Total domestic deposits to total assets | 87.0727% | 2,486 |
| Equity capital to assets | 10.0270% | 4,129 |
| Core capital (leverage) ratio | 9.9067% | 3,348 |
| Tier 1 risk-based capital ratio | 13.4244% | 4,248 |
| Total risk-based capital ratio | 14.7013% | 4,186 |
| Memoranda: | ||
| Average total assets | $165,022,000 | 3,666 |
| Average earning assets | $156,400,250 | 3,561 |
| Average equity | $15,809,750 | 3,842 |
| Average total loans | $127,009,750 | 3,230 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8239% | 5,706 |
| Cost of funding earning assets | 1.3057% | 4,496 |
| Net interest margin | 3.5181% | 5,176 |
| Noninterest income to average assets | 0.1660% | 6,716 |
| Noninterest expense to average assets | 4.3284% | 702 |
| Loan and lease loss provision to assets | 0.4992% | 2,803 |
| Net operating income to assets | -1.3163% | 7,074 |
| Return on assets (ROA) | -1.3163% | 7,092 |
| Pretax return on assets | -1.3163% | 7,015 |
| Return on Equity (ROE) | -13.9374% | 7,109 |
| Retained earnings to average equity (ytd only) | -13.9374% | 7,070 |
| Net charge-offs to loans | 0.5707% | 2,830 |
| Credit loss provision to net charge-offs | 113.7838% | 3,577 |
| Earnings coverage of net charge-offs (x) | -1.8622% | 6,199 |
| Efficiency ratio | 123.2692% | 375 |
| Assets per employee ($millions) | 5.3721% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0420% | 361 |
| Loan loss allowance to noncurrent loans | 72.1491% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 6.1435% | 938 |
| Noncurrent loans to loans | 5.6023% | 1,174 |
| Net loans and leases to total assets | 71.8558% | 2,440 |
| Net loans and leases to deposits | 82.0468% | 3,266 |
| Net loans and leases to core deposits | 104.5039% | 1,591 |
| Total domestic deposits to total assets | 87.5790% | 2,215 |
| Equity capital to assets | 9.5859% | 4,575 |
| Core capital (leverage) ratio | 9.5177% | 3,796 |
| Tier 1 risk-based capital ratio | 13.1612% | 4,316 |
| Total risk-based capital ratio | 14.4467% | 4,247 |
| Memoranda: | ||
| Average total assets | $168,654,670 | 3,623 |
| Average earning assets | $160,368,670 | 3,509 |
| Average equity | $15,928,330 | 3,812 |
| Average total loans | $129,674,670 | 3,207 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8489% | 5,692 |
| Cost of funding earning assets | 1.3321% | 4,611 |
| Net interest margin | 3.5168% | 5,097 |
| Noninterest income to average assets | 0.1531% | 6,874 |
| Noninterest expense to average assets | 4.3805% | 650 |
| Loan and lease loss provision to assets | 0.9745% | 1,283 |
| Net operating income to assets | -1.8144% | 7,416 |
| Return on assets (ROA) | -1.8144% | 7,417 |
| Pretax return on assets | -1.8144% | 7,356 |
| Return on Equity (ROE) | -19.3469% | 7,427 |
| Retained earnings to average equity (ytd only) | -19.3469% | 7,357 |
| Net charge-offs to loans | 0.8586% | 1,824 |
| Credit loss provision to net charge-offs | 145.8333% | 2,436 |
| Earnings coverage of net charge-offs (x) | -1.2569% | 5,409 |
| Efficiency ratio | 123.7221% | 403 |
| Assets per employee ($millions) | 5.5092% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7538% | 450 |
| Loan loss allowance to noncurrent loans | 50.6848% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 5.7288% | 1,064 |
| Noncurrent loans to loans | 7.4062% | 777 |
| Net loans and leases to total assets | 74.4476% | 1,877 |
| Net loans and leases to deposits | 84.7487% | 2,808 |
| Net loans and leases to core deposits | 107.7034% | 1,442 |
| Total domestic deposits to total assets | 87.8450% | 2,142 |
| Equity capital to assets | 9.2379% | 4,934 |
| Core capital (leverage) ratio | 9.1299% | 4,326 |
| Tier 1 risk-based capital ratio | 12.6999% | 4,562 |
| Total risk-based capital ratio | 13.9839% | 4,493 |
| Memoranda: | ||
| Average total assets | $172,400,500 | 3,622 |
| Average earning assets | $166,059,500 | 3,465 |
| Average equity | $16,168,000 | 3,805 |
| Average total loans | $134,170,500 | 3,185 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4031% | 4,684 |
| Cost of funding earning assets | 1.6505% | 4,788 |
| Net interest margin | 3.7526% | 3,901 |
| Noninterest income to average assets | 0.5529% | 3,999 |
| Noninterest expense to average assets | 4.8259% | 596 |
| Loan and lease loss provision to assets | 1.9663% | 1,112 |
| Net operating income to assets | -4.3030% | 7,652 |
| Return on assets (ROA) | -4.3030% | 7,648 |
| Pretax return on assets | -2.6417% | 7,189 |
| Return on Equity (ROE) | -24.9345% | 7,286 |
| Retained earnings to average equity (ytd only) | -24.9345% | 7,259 |
| Net charge-offs to loans | 1.8816% | 1,321 |
| Credit loss provision to net charge-offs | 139.3822% | 3,511 |
| Earnings coverage of net charge-offs (x) | -0.4788% | 6,676 |
| Efficiency ratio | 116.2730% | 666 |
| Assets per employee ($millions) | 4.1810% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0173% | 1,980 |
| Loan loss allowance to noncurrent loans | 44.7909% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 3.4946% | 1,925 |
| Noncurrent loans to loans | 4.5039% | 1,581 |
| Net loans and leases to total assets | 76.0265% | 1,790 |
| Net loans and leases to deposits | 88.9801% | 2,391 |
| Net loans and leases to core deposits | 113.6140% | 2,541 |
| Total domestic deposits to total assets | 85.4421% | 3,324 |
| Equity capital to assets | 14.4011% | 1,052 |
| Core capital (leverage) ratio | 15.1551% | 750 |
| Tier 1 risk-based capital ratio | 20.7466% | 1,334 |
| Total risk-based capital ratio | 22.0100% | 1,303 |
| Memoranda: | ||
| Average total assets | $36,718,800 | 7,222 |
| Average earning assets | $35,202,000 | 7,128 |
| Average equity | $6,336,600 | 6,485 |
| Average total loans | $27,529,800 | 6,771 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3662% | 5,109 |
| Cost of funding earning assets | 1.7455% | 4,664 |
| Net interest margin | 3.6208% | 4,403 |
| Noninterest income to average assets | 0.5481% | 4,097 |
| Noninterest expense to average assets | 4.9435% | 509 |
| Loan and lease loss provision to assets | 1.5309% | 1,244 |
| Net operating income to assets | -4.6914% | 7,814 |
| Return on assets (ROA) | -4.6914% | 7,813 |
| Pretax return on assets | -2.4626% | 7,333 |
| Return on Equity (ROE) | -26.0731% | 7,530 |
| Retained earnings to average equity (ytd only) | -26.0731% | 7,511 |
| Net charge-offs to loans | 0.5114% | 3,170 |
| Credit loss provision to net charge-offs | 402.8846% | 983 |
| Earnings coverage of net charge-offs (x) | -2.4520% | 6,774 |
| Efficiency ratio | 123.2240% | 547 |
| Assets per employee ($millions) | 3.1849% | 5,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4116% | 1,159 |
| Loan loss allowance to noncurrent loans | 95.3678% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 2.0951% | 3,217 |
| Noncurrent loans to loans | 2.5288% | 2,982 |
| Net loans and leases to total assets | 80.8529% | 1,009 |
| Net loans and leases to deposits | 96.7947% | 1,479 |
| Net loans and leases to core deposits | 137.6920% | 1,025 |
| Total domestic deposits to total assets | 83.5303% | 3,941 |
| Equity capital to assets | 16.3127% | 742 |
| Core capital (leverage) ratio | 15.7677% | 715 |
| Tier 1 risk-based capital ratio | 21.6937% | 1,261 |
| Total risk-based capital ratio | 22.9616% | 1,242 |
| Memoranda: | ||
| Average total assets | $36,491,250 | 7,292 |
| Average earning assets | $34,908,750 | 7,211 |
| Average equity | $6,566,000 | 6,459 |
| Average total loans | $27,113,000 | 6,854 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2848% | 5,724 |
| Cost of funding earning assets | 1.8525% | 4,498 |
| Net interest margin | 3.4323% | 5,058 |
| Noninterest income to average assets | 0.4976% | 4,464 |
| Noninterest expense to average assets | 4.8625% | 572 |
| Loan and lease loss provision to assets | 1.7092% | 981 |
| Net operating income to assets | -1.8606% | 7,388 |
| Return on assets (ROA) | -1.8606% | 7,384 |
| Pretax return on assets | -2.8072% | 7,505 |
| Return on Equity (ROE) | -10.0443% | 7,040 |
| Retained earnings to average equity (ytd only) | -10.0443% | 6,882 |
| Net charge-offs to loans | 0.8007% | 2,080 |
| Credit loss provision to net charge-offs | 298.1132% | 1,571 |
| Earnings coverage of net charge-offs (x) | -1.9151% | 6,343 |
| Efficiency ratio | 129.1667% | 533 |
| Assets per employee ($millions) | 3.4415% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1355% | 1,339 |
| Loan loss allowance to noncurrent loans | 147.2772% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 1.0672% | 4,833 |
| Noncurrent loans to loans | 1.4500% | 4,320 |
| Net loans and leases to total assets | 72.0263% | 3,221 |
| Net loans and leases to deposits | 87.6245% | 3,234 |
| Net loans and leases to core deposits | 121.4728% | 2,246 |
| Total domestic deposits to total assets | 82.1988% | 4,606 |
| Equity capital to assets | 17.5820% | 596 |
| Core capital (leverage) ratio | 16.9296% | 622 |
| Tier 1 risk-based capital ratio | 22.1376% | 1,229 |
| Total risk-based capital ratio | 23.4010% | 1,202 |
| Memoranda: | ||
| Average total assets | $36,977,000 | 7,337 |
| Average earning assets | $35,195,000 | 7,252 |
| Average equity | $6,849,670 | 6,424 |
| Average total loans | $26,475,330 | 6,941 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2148% | 6,234 |
| Cost of funding earning assets | 2.0721% | 3,784 |
| Net interest margin | 3.1427% | 6,053 |
| Noninterest income to average assets | 0.4817% | 4,489 |
| Noninterest expense to average assets | 5.0798% | 456 |
| Loan and lease loss provision to assets | 0.2190% | 4,265 |
| Net operating income to assets | -1.2152% | 7,366 |
| Return on assets (ROA) | -1.2152% | 7,385 |
| Pretax return on assets | -1.8283% | 7,482 |
| Return on Equity (ROE) | -6.3917% | 7,098 |
| Retained earnings to average equity (ytd only) | -6.3917% | 6,733 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.3722% | 375 |
| Assets per employee ($millions) | 3.0112% | 6,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 2,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 73.3492% | 2,927 |
| Net loans and leases to deposits | 90.8044% | 2,809 |
| Net loans and leases to core deposits | 127.8102% | 1,799 |
| Total domestic deposits to total assets | 80.7771% | 5,054 |
| Equity capital to assets | 19.0679% | 487 |
| Core capital (leverage) ratio | 17.1882% | 634 |
| Tier 1 risk-based capital ratio | 23.2783% | 1,160 |
| Total risk-based capital ratio | 24.5315% | 1,132 |
| Memoranda: | ||
| Average total assets | $36,537,000 | 7,395 |
| Average earning assets | $34,747,500 | 7,317 |
| Average equity | $6,946,500 | 6,432 |
| Average total loans | $25,782,000 | 7,009 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8883% | 6,096 |
| Cost of funding earning assets | 1.5292% | 7,561 |
| Net interest margin | 4.3591% | 1,797 |
| Noninterest income to average assets | 0.5088% | 4,550 |
| Noninterest expense to average assets | 7.5953% | 246 |
| Loan and lease loss provision to assets | 1.3507% | 1,044 |
| Net operating income to assets | -2.9003% | 7,805 |
| Return on assets (ROA) | -2.9003% | 7,773 |
| Pretax return on assets | -4.3759% | 7,952 |
| Return on Equity (ROE) | -8.5857% | 7,166 |
| Retained earnings to average equity (ytd only) | -8.5857% | 6,932 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.1943% | 288 |
| Assets per employee ($millions) | 2.6386% | 6,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 2,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 65.7011% | 4,911 |
| Net loans and leases to deposits | 81.3093% | 4,826 |
| Net loans and leases to core deposits | 129.5575% | 1,883 |
| Total domestic deposits to total assets | 80.8040% | 4,734 |
| Equity capital to assets | 18.9578% | 549 |
| Core capital (leverage) ratio | 23.2739% | 298 |
| Tier 1 risk-based capital ratio | 26.0793% | 895 |
| Total risk-based capital ratio | 27.3321% | 872 |
| Memoranda: | ||
| Average total assets | $21,618,600 | 7,969 |
| Average earning assets | $20,141,800 | 7,931 |
| Average equity | $7,302,800 | 6,349 |
| Average total loans | $16,020,800 | 7,588 |