Home > Bank of Whitman > Performance and Condition Ratios
Bank of Whitman, 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 | 5.0047% | 3,132 |
| Cost of funding earning assets | 1.4272% | 1,299 |
| Net interest margin | 3.5775% | 4,799 |
| Noninterest income to average assets | -0.6648% | 7,440 |
| Noninterest expense to average assets | 4.1191% | 896 |
| Loan and lease loss provision to assets | 6.7553% | 17 |
| Net operating income to assets | -8.2844% | 7,490 |
| Return on assets (ROA) | -8.2844% | 7,492 |
| Pretax return on assets | -8.2844% | 7,493 |
| Return on Equity (ROE) | -394.1630% | 7,507 |
| Retained earnings to average equity (ytd only) | -394.1630% | 7,507 |
| Net charge-offs to loans | 5.3479% | 106 |
| Credit loss provision to net charge-offs | 157.0386% | 1,941 |
| Earnings coverage of net charge-offs (x) | -0.3555% | 5,476 |
| Efficiency ratio | 159.0375% | 124 |
| Assets per employee ($millions) | 3.6090% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6980% | 65 |
| Loan loss allowance to noncurrent loans | 58.6407% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 13.7501% | 181 |
| Noncurrent loans to loans | 11.4220% | 289 |
| Net loans and leases to total assets | 76.1793% | 1,052 |
| Net loans and leases to deposits | 81.0299% | 2,611 |
| Net loans and leases to core deposits | 103.8839% | 1,050 |
| Total domestic deposits to total assets | 94.0139% | 81 |
| Equity capital to assets | -0.0582% | 7,507 |
| Core capital (leverage) ratio | -0.0718% | 7,508 |
| Tier 1 risk-based capital ratio | -0.0971% | 7,508 |
| Total risk-based capital ratio | -0.0971% | 7,508 |
| Memoranda: | ||
| Average total assets | $611,344,670 | 1,081 |
| Average earning assets | $556,193,330 | 1,086 |
| Average equity | $12,849,000 | 4,376 |
| Average total loans | $491,747,330 | 880 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8644% | 3,753 |
| Cost of funding earning assets | 1.4653% | 1,314 |
| Net interest margin | 3.3991% | 5,431 |
| Noninterest income to average assets | -0.5377% | 7,501 |
| Noninterest expense to average assets | 4.0297% | 1,003 |
| Loan and lease loss provision to assets | 5.4125% | 54 |
| Net operating income to assets | -6.8732% | 7,523 |
| Return on assets (ROA) | -6.8732% | 7,523 |
| Pretax return on assets | -6.8732% | 7,523 |
| Return on Equity (ROE) | -227.3247% | 7,545 |
| Retained earnings to average equity (ytd only) | -227.3247% | 7,543 |
| Net charge-offs to loans | 4.8256% | 158 |
| Credit loss provision to net charge-offs | 140.3421% | 1,999 |
| Earnings coverage of net charge-offs (x) | -0.3787% | 4,755 |
| Efficiency ratio | 156.8556% | 132 |
| Assets per employee ($millions) | 3.8205% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9723% | 197 |
| Loan loss allowance to noncurrent loans | 63.4905% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 10.3183% | 386 |
| Noncurrent loans to loans | 7.8316% | 652 |
| Net loans and leases to total assets | 79.1515% | 606 |
| Net loans and leases to deposits | 86.0642% | 1,720 |
| Net loans and leases to core deposits | 111.1014% | 680 |
| Total domestic deposits to total assets | 91.9680% | 299 |
| Equity capital to assets | 2.3057% | 7,511 |
| Core capital (leverage) ratio | 2.1287% | 7,524 |
| Tier 1 risk-based capital ratio | 2.8248% | 7,528 |
| Total risk-based capital ratio | 4.1227% | 7,528 |
| Memoranda: | ||
| Average total assets | $642,732,000 | 1,032 |
| Average earning assets | $587,451,000 | 1,024 |
| Average equity | $19,433,000 | 3,197 |
| Average total loans | $513,672,500 | 850 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9829% | 4,640 |
| Cost of funding earning assets | 1.7601% | 1,341 |
| Net interest margin | 3.2228% | 6,215 |
| Noninterest income to average assets | 0.1647% | 6,545 |
| Noninterest expense to average assets | 3.1493% | 3,276 |
| Loan and lease loss provision to assets | 2.2859% | 535 |
| Net operating income to assets | -2.2756% | 7,133 |
| Return on assets (ROA) | -2.2391% | 7,137 |
| Pretax return on assets | -2.2391% | 7,098 |
| Return on Equity (ROE) | -47.0281% | 7,404 |
| Retained earnings to average equity (ytd only) | -47.0281% | 7,400 |
| Net charge-offs to loans | 3.4011% | 433 |
| Credit loss provision to net charge-offs | 87.3686% | 5,232 |
| Earnings coverage of net charge-offs (x) | 0.0039% | 6,125 |
| Efficiency ratio | 99.6653% | 783 |
| Assets per employee ($millions) | 4.2088% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2893% | 313 |
| Loan loss allowance to noncurrent loans | 61.7504% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 9.1912% | 483 |
| Noncurrent loans to loans | 6.9462% | 816 |
| Net loans and leases to total assets | 73.6342% | 1,740 |
| Net loans and leases to deposits | 80.9722% | 3,000 |
| Net loans and leases to core deposits | 108.5495% | 1,011 |
| Total domestic deposits to total assets | 90.9376% | 630 |
| Equity capital to assets | 3.6590% | 7,523 |
| Core capital (leverage) ratio | 3.5663% | 7,524 |
| Tier 1 risk-based capital ratio | 4.8769% | 7,529 |
| Total risk-based capital ratio | 6.1664% | 7,531 |
| Memoranda: | ||
| Average total assets | $756,475,800 | 893 |
| Average earning assets | $702,980,600 | 876 |
| Average equity | $36,016,800 | 1,836 |
| Average total loans | $581,933,000 | 770 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8784% | 5,369 |
| Cost of funding earning assets | 1.8046% | 1,397 |
| Net interest margin | 3.0737% | 6,675 |
| Noninterest income to average assets | 0.0731% | 7,169 |
| Noninterest expense to average assets | 3.1582% | 3,077 |
| Loan and lease loss provision to assets | 1.6788% | 761 |
| Net operating income to assets | -1.8990% | 7,210 |
| Return on assets (ROA) | -1.8515% | 7,210 |
| Pretax return on assets | -1.8515% | 7,152 |
| Return on Equity (ROE) | -37.0040% | 7,466 |
| Retained earnings to average equity (ytd only) | -37.0040% | 7,463 |
| Net charge-offs to loans | 2.1824% | 833 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | -0.1311% | 6,132 |
| Efficiency ratio | 107.4820% | 567 |
| Assets per employee ($millions) | 4.5138% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4362% | 261 |
| Loan loss allowance to noncurrent loans | 63.5825% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 8.6880% | 539 |
| Noncurrent loans to loans | 6.9771% | 813 |
| Net loans and leases to total assets | 74.5699% | 1,673 |
| Net loans and leases to deposits | 88.8524% | 1,884 |
| Net loans and leases to core deposits | 124.4860% | 486 |
| Total domestic deposits to total assets | 83.9256% | 4,170 |
| Equity capital to assets | 4.3140% | 7,622 |
| Core capital (leverage) ratio | 4.1785% | 7,613 |
| Tier 1 risk-based capital ratio | 5.7237% | 7,614 |
| Total risk-based capital ratio | 7.0155% | 7,614 |
| Memoranda: | ||
| Average total assets | $775,137,500 | 876 |
| Average earning assets | $722,491,500 | 850 |
| Average equity | $38,784,000 | 1,719 |
| Average total loans | $596,276,500 | 748 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8774% | 5,492 |
| Cost of funding earning assets | 1.8039% | 1,627 |
| Net interest margin | 3.0735% | 6,669 |
| Noninterest income to average assets | 0.0030% | 7,517 |
| Noninterest expense to average assets | 2.9832% | 3,763 |
| Loan and lease loss provision to assets | 0.1347% | 5,543 |
| Net operating income to assets | -0.2293% | 6,390 |
| Return on assets (ROA) | -0.1597% | 6,365 |
| Pretax return on assets | -0.1597% | 6,299 |
| Return on Equity (ROE) | -3.0634% | 6,522 |
| Retained earnings to average equity (ytd only) | -3.0634% | 6,308 |
| Net charge-offs to loans | 2.2487% | 795 |
| Credit loss provision to net charge-offs | 7.8219% | 5,964 |
| Earnings coverage of net charge-offs (x) | -0.0549% | 5,764 |
| Efficiency ratio | 103.2576% | 703 |
| Assets per employee ($millions) | 4.7140% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1844% | 714 |
| Loan loss allowance to noncurrent loans | 34.4360% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 9.2333% | 469 |
| Noncurrent loans to loans | 9.2474% | 507 |
| Net loans and leases to total assets | 76.3616% | 1,426 |
| Net loans and leases to deposits | 91.6032% | 1,598 |
| Net loans and leases to core deposits | 137.4823% | 312 |
| Total domestic deposits to total assets | 83.3613% | 4,405 |
| Equity capital to assets | 5.5449% | 7,587 |
| Core capital (leverage) ratio | 5.3170% | 7,571 |
| Tier 1 risk-based capital ratio | 7.3506% | 7,571 |
| Total risk-based capital ratio | 8.6268% | 7,577 |
| Memoranda: | ||
| Average total assets | $792,783,330 | 861 |
| Average earning assets | $744,293,670 | 830 |
| Average equity | $41,326,670 | 1,595 |
| Average total loans | $607,187,330 | 740 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9853% | 5,085 |
| Cost of funding earning assets | 1.8186% | 1,804 |
| Net interest margin | 3.1667% | 6,394 |
| Noninterest income to average assets | 0.4442% | 4,523 |
| Noninterest expense to average assets | 2.1313% | 6,859 |
| Loan and lease loss provision to assets | 0.0152% | 6,473 |
| Net operating income to assets | 1.2831% | 1,331 |
| Return on assets (ROA) | 1.4770% | 1,002 |
| Pretax return on assets | 1.4770% | 1,579 |
| Return on Equity (ROE) | 29.1820% | 97 |
| Retained earnings to average equity (ytd only) | 29.1820% | 74 |
| Net charge-offs to loans | 0.0201% | 5,305 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 85.5161% | 374 |
| Efficiency ratio | 62.1305% | 5,807 |
| Assets per employee ($millions) | 4.8249% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1661% | 323 |
| Loan loss allowance to noncurrent loans | 44.3955% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 9.2246% | 468 |
| Noncurrent loans to loans | 9.3840% | 484 |
| Net loans and leases to total assets | 73.1231% | 2,171 |
| Net loans and leases to deposits | 87.1281% | 2,389 |
| Net loans and leases to core deposits | 134.5698% | 398 |
| Total domestic deposits to total assets | 83.9259% | 4,173 |
| Equity capital to assets | 5.4683% | 7,678 |
| Core capital (leverage) ratio | 5.4373% | 7,663 |
| Tier 1 risk-based capital ratio | 7.8076% | 7,635 |
| Total risk-based capital ratio | 9.0962% | 7,640 |
| Memoranda: | ||
| Average total assets | $816,772,500 | 845 |
| Average earning assets | $770,022,500 | 814 |
| Average equity | $41,340,500 | 1,618 |
| Average total loans | $617,055,000 | 746 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8946% | 2,260 |
| Cost of funding earning assets | 2.0489% | 2,733 |
| Net interest margin | 3.8457% | 3,505 |
| Noninterest income to average assets | 0.3571% | 5,541 |
| Noninterest expense to average assets | 3.2767% | 3,093 |
| Loan and lease loss provision to assets | 2.9194% | 610 |
| Net operating income to assets | -2.1979% | 7,164 |
| Return on assets (ROA) | -2.1935% | 7,161 |
| Pretax return on assets | -2.1935% | 7,014 |
| Return on Equity (ROE) | -31.4468% | 7,429 |
| Retained earnings to average equity (ytd only) | -36.1443% | 7,493 |
| Net charge-offs to loans | 0.5506% | 3,583 |
| Credit loss provision to net charge-offs | 628.5118% | 464 |
| Earnings coverage of net charge-offs (x) | 1.5533% | 4,582 |
| Efficiency ratio | 81.8866% | 2,613 |
| Assets per employee ($millions) | 5.1029% | 2,081 |
| Cash dividends to net income (ytd only)* | -14.9379% | 7,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9431% | 375 |
| Loan loss allowance to noncurrent loans | 51.5251% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 6.5445% | 829 |
| Noncurrent loans to loans | 7.6527% | 677 |
| Net loans and leases to total assets | 71.8967% | 2,771 |
| Net loans and leases to deposits | 85.1836% | 3,051 |
| Net loans and leases to core deposits | 107.6914% | 3,134 |
| Total domestic deposits to total assets | 84.4020% | 3,841 |
| Equity capital to assets | 4.6837% | 7,810 |
| Core capital (leverage) ratio | 4.9812% | 7,772 |
| Tier 1 risk-based capital ratio | 6.9338% | 7,757 |
| Total risk-based capital ratio | 8.2197% | 7,758 |
| Memoranda: | ||
| Average total assets | $773,955,600 | 882 |
| Average earning assets | $732,772,200 | 849 |
| Average equity | $53,986,400 | 1,223 |
| Average total loans | $652,921,200 | 717 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0565% | 1,809 |
| Cost of funding earning assets | 2.0794% | 2,988 |
| Net interest margin | 3.9771% | 2,905 |
| Noninterest income to average assets | 0.3591% | 5,623 |
| Noninterest expense to average assets | 3.1228% | 3,571 |
| Loan and lease loss provision to assets | 1.7291% | 1,069 |
| Net operating income to assets | -0.7312% | 6,629 |
| Return on assets (ROA) | -0.7252% | 6,641 |
| Pretax return on assets | -0.7252% | 6,500 |
| Return on Equity (ROE) | -9.5196% | 6,861 |
| Retained earnings to average equity (ytd only) | -15.3934% | 7,159 |
| Net charge-offs to loans | 0.1622% | 5,093 |
| Credit loss provision to net charge-offs | 1,225.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 7.0700% | 2,483 |
| Efficiency ratio | 75.7140% | 3,562 |
| Assets per employee ($millions) | 4.5773% | 2,731 |
| Cash dividends to net income (ytd only)* | -61.7032% | 7,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2202% | 1,386 |
| Loan loss allowance to noncurrent loans | 41.1511% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 5.6617% | 988 |
| Noncurrent loans to loans | 5.3951% | 1,170 |
| Net loans and leases to total assets | 85.4006% | 395 |
| Net loans and leases to deposits | 101.8394% | 937 |
| Net loans and leases to core deposits | 120.3259% | 2,218 |
| Total domestic deposits to total assets | 83.8581% | 3,790 |
| Equity capital to assets | 6.9097% | 7,636 |
| Core capital (leverage) ratio | 6.9073% | 7,485 |
| Tier 1 risk-based capital ratio | 8.2826% | 7,756 |
| Total risk-based capital ratio | 9.5454% | 7,777 |
| Memoranda: | ||
| Average total assets | $755,674,750 | 916 |
| Average earning assets | $714,742,750 | 885 |
| Average equity | $57,564,250 | 1,168 |
| Average total loans | $657,646,000 | 730 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9014% | 2,574 |
| Cost of funding earning assets | 2.0609% | 3,471 |
| Net interest margin | 3.8405% | 3,369 |
| Noninterest income to average assets | 0.3673% | 5,573 |
| Noninterest expense to average assets | 2.9956% | 4,099 |
| Loan and lease loss provision to assets | 2.0448% | 791 |
| Net operating income to assets | -1.0385% | 7,016 |
| Return on assets (ROA) | -1.0385% | 7,011 |
| Pretax return on assets | -1.0385% | 6,844 |
| Return on Equity (ROE) | -13.2111% | 7,236 |
| Retained earnings to average equity (ytd only) | -20.2968% | 7,461 |
| Net charge-offs to loans | 0.2041% | 4,252 |
| Credit loss provision to net charge-offs | 1,152.6316% | 434 |
| Earnings coverage of net charge-offs (x) | 5.6722% | 2,785 |
| Efficiency ratio | 74.7817% | 3,910 |
| Assets per employee ($millions) | 4.3372% | 3,041 |
| Cash dividends to net income (ytd only)* | -53.6347% | 8,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9287% | 1,724 |
| Loan loss allowance to noncurrent loans | 43.5394% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 4.3675% | 1,308 |
| Noncurrent loans to loans | 4.4297% | 1,464 |
| Net loans and leases to total assets | 83.7430% | 675 |
| Net loans and leases to deposits | 99.6551% | 1,321 |
| Net loans and leases to core deposits | 123.2278% | 2,094 |
| Total domestic deposits to total assets | 84.0328% | 3,749 |
| Equity capital to assets | 6.8114% | 7,702 |
| Core capital (leverage) ratio | 7.1364% | 7,420 |
| Tier 1 risk-based capital ratio | 8.3615% | 7,867 |
| Total risk-based capital ratio | 9.6206% | 7,897 |
| Memoranda: | ||
| Average total assets | $749,711,330 | 937 |
| Average earning assets | $709,489,000 | 905 |
| Average equity | $58,935,330 | 1,150 |
| Average total loans | $651,651,670 | 756 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9018% | 2,785 |
| Cost of funding earning assets | 1.9688% | 4,292 |
| Net interest margin | 3.9330% | 2,916 |
| Noninterest income to average assets | 0.3524% | 5,623 |
| Noninterest expense to average assets | 3.0251% | 3,655 |
| Loan and lease loss provision to assets | 0.8193% | 1,579 |
| Net operating income to assets | 0.2258% | 5,578 |
| Return on assets (ROA) | 0.2258% | 5,736 |
| Pretax return on assets | 0.2258% | 5,882 |
| Return on Equity (ROE) | 2.6788% | 5,498 |
| Retained earnings to average equity (ytd only) | -0.7607% | 5,828 |
| Net charge-offs to loans | 0.3092% | 2,871 |
| Credit loss provision to net charge-offs | 302.0202% | 1,599 |
| Earnings coverage of net charge-offs (x) | 3.8525% | 3,043 |
| Efficiency ratio | 74.2561% | 3,782 |
| Assets per employee ($millions) | 4.1153% | 3,427 |
| Cash dividends to net income (ytd only)* | 128.3981% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 5,564 |
| Loan loss allowance to noncurrent loans | 30.6440% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 3.0177% | 1,872 |
| Noncurrent loans to loans | 3.5457% | 1,787 |
| Net loans and leases to total assets | 82.8074% | 884 |
| Net loans and leases to deposits | 100.2804% | 1,376 |
| Net loans and leases to core deposits | 119.5671% | 2,457 |
| Total domestic deposits to total assets | 82.5759% | 4,342 |
| Equity capital to assets | 7.9846% | 6,835 |
| Core capital (leverage) ratio | 8.6742% | 5,199 |
| Tier 1 risk-based capital ratio | 9.4869% | 7,434 |
| Total risk-based capital ratio | 10.6069% | 7,503 |
| Memoranda: | ||
| Average total assets | $729,882,500 | 955 |
| Average earning assets | $689,953,500 | 927 |
| Average equity | $61,519,500 | 1,111 |
| Average total loans | $640,457,000 | 772 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6420% | 315 |
| Cost of funding earning assets | 2.8316% | 2,578 |
| Net interest margin | 4.8104% | 769 |
| Noninterest income to average assets | 0.4087% | 5,401 |
| Noninterest expense to average assets | 3.7574% | 1,839 |
| Loan and lease loss provision to assets | 0.2453% | 4,458 |
| Net operating income to assets | 0.8916% | 3,036 |
| Return on assets (ROA) | 0.9034% | 2,829 |
| Pretax return on assets | 0.9034% | 3,709 |
| Return on Equity (ROE) | 10.2404% | 2,172 |
| Retained earnings to average equity (ytd only) | -0.3764% | 5,398 |
| Net charge-offs to loans | 0.0139% | 6,703 |
| Credit loss provision to net charge-offs | 1,951.8519% | 231 |
| Earnings coverage of net charge-offs (x) | 90.4568% | 466 |
| Efficiency ratio | 76.7033% | 3,117 |
| Assets per employee ($millions) | 3.6519% | 4,281 |
| Cash dividends to net income (ytd only)* | 103.6757% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 6,435 |
| Loan loss allowance to noncurrent loans | 51.9211% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 1.7163% | 2,834 |
| Noncurrent loans to loans | 1.8151% | 3,038 |
| Net loans and leases to total assets | 91.3729% | 112 |
| Net loans and leases to deposits | 124.9417% | 285 |
| Net loans and leases to core deposits | 150.1860% | 847 |
| Total domestic deposits to total assets | 73.1325% | 6,806 |
| Equity capital to assets | 8.9238% | 5,465 |
| Core capital (leverage) ratio | 8.8155% | 5,017 |
| Tier 1 risk-based capital ratio | 9.7125% | 7,064 |
| Total risk-based capital ratio | 10.6850% | 7,293 |
| Memoranda: | ||
| Average total assets | $644,431,400 | 1,040 |
| Average earning assets | $600,928,600 | 1,016 |
| Average equity | $56,853,400 | 1,181 |
| Average total loans | $582,958,400 | 822 |