Home > Berkshire Bank > Performance and Condition Ratios
Berkshire Bank, 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 | 5.0894% | 2,731 |
| Cost of funding earning assets | 1.4864% | 1,050 |
| Net interest margin | 3.6030% | 4,708 |
| Noninterest income to average assets | 0.1704% | 6,440 |
| Noninterest expense to average assets | 4.2235% | 811 |
| Loan and lease loss provision to assets | 0.0749% | 5,376 |
| Net operating income to assets | -0.9208% | 6,918 |
| Return on assets (ROA) | -0.9208% | 6,918 |
| Pretax return on assets | -0.9208% | 6,867 |
| Return on Equity (ROE) | -12.3974% | 6,993 |
| Retained earnings to average equity (ytd only) | -12.3974% | 6,951 |
| Net charge-offs to loans | 0.4816% | 2,657 |
| Credit loss provision to net charge-offs | 19.8444% | 5,136 |
| Earnings coverage of net charge-offs (x) | -2.2412% | 5,724 |
| Efficiency ratio | 125.0435% | 297 |
| Assets per employee ($millions) | 3.5152% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 4,956 |
| Loan loss allowance to noncurrent loans | 52.3989% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 4.4590% | 1,413 |
| Noncurrent loans to loans | 2.5241% | 2,864 |
| Net loans and leases to total assets | 75.4823% | 1,157 |
| Net loans and leases to deposits | 82.2257% | 2,417 |
| Net loans and leases to core deposits | 82.5688% | 3,419 |
| Total domestic deposits to total assets | 91.7990% | 278 |
| Equity capital to assets | 7.1543% | 7,070 |
| Core capital (leverage) ratio | 7.1919% | 6,924 |
| Tier 1 risk-based capital ratio | 9.3137% | 7,139 |
| Total risk-based capital ratio | 10.5650% | 7,135 |
| Memoranda: | ||
| Average total assets | $136,190,000 | 4,105 |
| Average earning assets | $121,232,330 | 4,163 |
| Average equity | $10,115,000 | 5,019 |
| Average total loans | $106,731,000 | 3,530 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2145% | 2,170 |
| Cost of funding earning assets | 1.4832% | 1,242 |
| Net interest margin | 3.7313% | 3,938 |
| Noninterest income to average assets | 0.2387% | 5,998 |
| Noninterest expense to average assets | 4.4556% | 622 |
| Loan and lease loss provision to assets | 0.0766% | 5,038 |
| Net operating income to assets | -0.9872% | 7,042 |
| Return on assets (ROA) | -0.9872% | 7,044 |
| Pretax return on assets | -0.9872% | 6,993 |
| Return on Equity (ROE) | -13.0496% | 7,102 |
| Retained earnings to average equity (ytd only) | -13.0496% | 6,977 |
| Net charge-offs to loans | 0.9214% | 1,447 |
| Credit loss provision to net charge-offs | 10.4839% | 4,374 |
| Earnings coverage of net charge-offs (x) | -1.2460% | 4,921 |
| Efficiency ratio | 125.6858% | 296 |
| Assets per employee ($millions) | 3.2449% | 5,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 5,255 |
| Loan loss allowance to noncurrent loans | 62.1487% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 4.9257% | 1,281 |
| Noncurrent loans to loans | 2.0545% | 3,501 |
| Net loans and leases to total assets | 77.7813% | 763 |
| Net loans and leases to deposits | 84.9406% | 1,889 |
| Net loans and leases to core deposits | 85.2953% | 2,990 |
| Total domestic deposits to total assets | 91.5714% | 397 |
| Equity capital to assets | 7.4072% | 6,919 |
| Core capital (leverage) ratio | 7.4270% | 6,772 |
| Tier 1 risk-based capital ratio | 9.3672% | 7,177 |
| Total risk-based capital ratio | 10.6180% | 7,178 |
| Memoranda: | ||
| Average total assets | $135,738,500 | 4,141 |
| Average earning assets | $120,280,000 | 4,215 |
| Average equity | $10,268,500 | 4,973 |
| Average total loans | $107,662,500 | 3,546 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3215% | 3,021 |
| Cost of funding earning assets | 1.6056% | 2,042 |
| Net interest margin | 3.7159% | 4,283 |
| Noninterest income to average assets | 0.5196% | 4,026 |
| Noninterest expense to average assets | 4.2773% | 835 |
| Loan and lease loss provision to assets | 0.4693% | 3,317 |
| Net operating income to assets | -0.9008% | 6,632 |
| Return on assets (ROA) | -0.8574% | 6,634 |
| Pretax return on assets | -0.8574% | 6,549 |
| Return on Equity (ROE) | -10.7546% | 6,759 |
| Retained earnings to average equity (ytd only) | -10.7546% | 6,699 |
| Net charge-offs to loans | 0.6654% | 3,017 |
| Credit loss provision to net charge-offs | 91.5416% | 5,062 |
| Earnings coverage of net charge-offs (x) | -0.8417% | 6,565 |
| Efficiency ratio | 103.6188% | 684 |
| Assets per employee ($millions) | 3.0042% | 6,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 4,146 |
| Loan loss allowance to noncurrent loans | 71.8215% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 5.2910% | 1,178 |
| Noncurrent loans to loans | 2.0547% | 3,478 |
| Net loans and leases to total assets | 78.6709% | 854 |
| Net loans and leases to deposits | 86.2908% | 2,044 |
| Net loans and leases to core deposits | 86.6628% | 3,233 |
| Total domestic deposits to total assets | 91.1695% | 526 |
| Equity capital to assets | 7.7239% | 6,732 |
| Core capital (leverage) ratio | 7.6380% | 6,590 |
| Tier 1 risk-based capital ratio | 9.6514% | 7,090 |
| Total risk-based capital ratio | 10.9080% | 7,095 |
| Memoranda: | ||
| Average total assets | $142,988,000 | 4,007 |
| Average earning assets | $127,990,800 | 4,065 |
| Average equity | $11,399,800 | 4,763 |
| Average total loans | $110,156,000 | 3,546 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3227% | 3,242 |
| Cost of funding earning assets | 1.6273% | 2,236 |
| Net interest margin | 3.6953% | 4,426 |
| Noninterest income to average assets | 0.4857% | 4,294 |
| Noninterest expense to average assets | 3.8590% | 1,264 |
| Loan and lease loss provision to assets | 0.2631% | 4,471 |
| Net operating income to assets | -0.3192% | 6,447 |
| Return on assets (ROA) | -0.2815% | 6,464 |
| Pretax return on assets | -0.2815% | 6,397 |
| Return on Equity (ROE) | -3.5053% | 6,538 |
| Retained earnings to average equity (ytd only) | -3.5053% | 6,409 |
| Net charge-offs to loans | 0.6238% | 2,877 |
| Credit loss provision to net charge-offs | 55.2124% | 5,798 |
| Earnings coverage of net charge-offs (x) | -0.1178% | 6,121 |
| Efficiency ratio | 101.4756% | 701 |
| Assets per employee ($millions) | 3.0409% | 6,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 5,041 |
| Loan loss allowance to noncurrent loans | 45.5798% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 5.5368% | 1,111 |
| Noncurrent loans to loans | 2.8198% | 2,831 |
| Net loans and leases to total assets | 78.1332% | 1,021 |
| Net loans and leases to deposits | 87.2218% | 2,121 |
| Net loans and leases to core deposits | 87.7695% | 3,400 |
| Total domestic deposits to total assets | 89.5799% | 1,077 |
| Equity capital to assets | 8.1418% | 6,679 |
| Core capital (leverage) ratio | 7.6293% | 6,738 |
| Tier 1 risk-based capital ratio | 9.9710% | 7,085 |
| Total risk-based capital ratio | 11.2215% | 7,070 |
| Memoranda: | ||
| Average total assets | $144,937,250 | 4,020 |
| Average earning assets | $130,106,500 | 4,062 |
| Average equity | $11,639,250 | 4,775 |
| Average total loans | $110,707,750 | 3,591 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2185% | 3,860 |
| Cost of funding earning assets | 1.6229% | 2,528 |
| Net interest margin | 3.5955% | 4,831 |
| Noninterest income to average assets | 0.4842% | 4,245 |
| Noninterest expense to average assets | 3.6079% | 1,760 |
| Loan and lease loss provision to assets | 0.0491% | 6,477 |
| Net operating income to assets | 0.0668% | 5,950 |
| Return on assets (ROA) | 0.0709% | 6,045 |
| Pretax return on assets | 0.0709% | 6,033 |
| Return on Equity (ROE) | 0.8872% | 5,985 |
| Retained earnings to average equity (ytd only) | 0.8872% | 5,416 |
| Net charge-offs to loans | 0.6847% | 2,503 |
| Credit loss provision to net charge-offs | 9.4987% | 5,946 |
| Earnings coverage of net charge-offs (x) | 0.2243% | 5,500 |
| Efficiency ratio | 96.8864% | 921 |
| Assets per employee ($millions) | 3.1975% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 5,417 |
| Loan loss allowance to noncurrent loans | 27.4305% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 5.7906% | 1,037 |
| Noncurrent loans to loans | 4.3987% | 1,666 |
| Net loans and leases to total assets | 73.0370% | 2,160 |
| Net loans and leases to deposits | 81.4505% | 3,350 |
| Net loans and leases to core deposits | 81.7766% | 4,446 |
| Total domestic deposits to total assets | 89.6705% | 1,087 |
| Equity capital to assets | 8.0417% | 6,710 |
| Core capital (leverage) ratio | 7.6933% | 6,619 |
| Tier 1 risk-based capital ratio | 10.3614% | 6,789 |
| Total risk-based capital ratio | 11.5701% | 6,804 |
| Memoranda: | ||
| Average total assets | $146,622,000 | 4,020 |
| Average earning assets | $132,108,000 | 4,055 |
| Average equity | $11,722,670 | 4,754 |
| Average total loans | $110,704,330 | 3,614 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2789% | 3,652 |
| Cost of funding earning assets | 1.6326% | 2,755 |
| Net interest margin | 3.6462% | 4,511 |
| Noninterest income to average assets | 0.3989% | 4,926 |
| Noninterest expense to average assets | 3.5330% | 1,905 |
| Loan and lease loss provision to assets | 0.0301% | 6,376 |
| Net operating income to assets | 0.1312% | 5,924 |
| Return on assets (ROA) | 0.1339% | 6,035 |
| Pretax return on assets | 0.1339% | 6,051 |
| Return on Equity (ROE) | 1.6795% | 5,893 |
| Retained earnings to average equity (ytd only) | 1.6795% | 5,098 |
| Net charge-offs to loans | 0.5157% | 2,519 |
| Credit loss provision to net charge-offs | 7.6389% | 5,076 |
| Earnings coverage of net charge-offs (x) | 0.4097% | 4,666 |
| Efficiency ratio | 95.6361% | 1,046 |
| Assets per employee ($millions) | 3.2203% | 5,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 4,643 |
| Loan loss allowance to noncurrent loans | 29.0458% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 5.3236% | 1,173 |
| Noncurrent loans to loans | 4.6709% | 1,588 |
| Net loans and leases to total assets | 74.7043% | 1,806 |
| Net loans and leases to deposits | 85.0473% | 2,752 |
| Net loans and leases to core deposits | 85.3892% | 3,983 |
| Total domestic deposits to total assets | 87.8385% | 2,149 |
| Equity capital to assets | 7.9159% | 6,741 |
| Core capital (leverage) ratio | 7.7832% | 6,525 |
| Tier 1 risk-based capital ratio | 10.1764% | 6,903 |
| Total risk-based capital ratio | 11.4145% | 6,907 |
| Memoranda: | ||
| Average total assets | $146,391,500 | 4,083 |
| Average earning assets | $132,301,000 | 4,114 |
| Average equity | $11,670,000 | 4,799 |
| Average total loans | $111,688,000 | 3,649 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5654% | 3,785 |
| Cost of funding earning assets | 2.3600% | 1,425 |
| Net interest margin | 3.2053% | 6,071 |
| Noninterest income to average assets | 0.4790% | 4,578 |
| Noninterest expense to average assets | 3.5881% | 2,179 |
| Loan and lease loss provision to assets | 0.5853% | 3,450 |
| Net operating income to assets | -0.7916% | 6,427 |
| Return on assets (ROA) | -0.7988% | 6,433 |
| Pretax return on assets | -0.7988% | 6,262 |
| Return on Equity (ROE) | -9.7845% | 6,608 |
| Retained earnings to average equity (ytd only) | -9.7845% | 6,503 |
| Net charge-offs to loans | 0.3793% | 4,312 |
| Credit loss provision to net charge-offs | 192.1615% | 2,071 |
| Earnings coverage of net charge-offs (x) | -0.6770% | 6,793 |
| Efficiency ratio | 106.0976% | 907 |
| Assets per employee ($millions) | 3.0777% | 6,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 3,787 |
| Loan loss allowance to noncurrent loans | 30.1019% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 5.0211% | 1,223 |
| Noncurrent loans to loans | 4.9446% | 1,371 |
| Net loans and leases to total assets | 75.7257% | 1,873 |
| Net loans and leases to deposits | 85.4631% | 3,004 |
| Net loans and leases to core deposits | 96.5348% | 4,396 |
| Total domestic deposits to total assets | 88.6064% | 1,672 |
| Equity capital to assets | 8.0290% | 6,550 |
| Core capital (leverage) ratio | 7.6831% | 6,571 |
| Tier 1 risk-based capital ratio | 10.3691% | 6,523 |
| Total risk-based capital ratio | 11.6190% | 6,492 |
| Memoranda: | ||
| Average total assets | $138,208,000 | 4,161 |
| Average earning assets | $125,167,200 | 4,188 |
| Average equity | $11,283,200 | 4,949 |
| Average total loans | $111,001,200 | 3,668 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6147% | 3,777 |
| Cost of funding earning assets | 2.4645% | 1,398 |
| Net interest margin | 3.1502% | 6,175 |
| Noninterest income to average assets | 0.4939% | 4,537 |
| Noninterest expense to average assets | 3.6300% | 1,962 |
| Loan and lease loss provision to assets | 0.1815% | 5,550 |
| Net operating income to assets | -0.4656% | 6,393 |
| Return on assets (ROA) | -0.4754% | 6,407 |
| Pretax return on assets | -0.4754% | 6,269 |
| Return on Equity (ROE) | -5.7972% | 6,533 |
| Retained earnings to average equity (ytd only) | -5.7972% | 6,365 |
| Net charge-offs to loans | 0.2079% | 4,737 |
| Credit loss provision to net charge-offs | 107.5145% | 4,727 |
| Earnings coverage of net charge-offs (x) | -1.6821% | 6,715 |
| Efficiency ratio | 108.4889% | 795 |
| Assets per employee ($millions) | 3.1611% | 5,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 5,769 |
| Loan loss allowance to noncurrent loans | 29.4659% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 4.0668% | 1,561 |
| Noncurrent loans to loans | 3.7113% | 2,006 |
| Net loans and leases to total assets | 81.3839% | 920 |
| Net loans and leases to deposits | 99.7897% | 1,124 |
| Net loans and leases to core deposits | 120.4626% | 2,206 |
| Total domestic deposits to total assets | 81.5555% | 4,852 |
| Equity capital to assets | 8.7193% | 5,927 |
| Core capital (leverage) ratio | 8.7165% | 5,105 |
| Tier 1 risk-based capital ratio | 10.4880% | 6,484 |
| Total risk-based capital ratio | 11.6136% | 6,547 |
| Memoranda: | ||
| Average total assets | $136,597,250 | 4,219 |
| Average earning assets | $123,672,000 | 4,255 |
| Average equity | $11,200,500 | 5,016 |
| Average total loans | $110,953,250 | 3,718 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6392% | 3,867 |
| Cost of funding earning assets | 2.5887% | 1,318 |
| Net interest margin | 3.0505% | 6,397 |
| Noninterest income to average assets | 0.7037% | 2,969 |
| Noninterest expense to average assets | 3.7472% | 1,746 |
| Loan and lease loss provision to assets | 0.2197% | 4,844 |
| Net operating income to assets | -0.5077% | 6,553 |
| Return on assets (ROA) | -0.5226% | 6,579 |
| Pretax return on assets | -0.5226% | 6,451 |
| Return on Equity (ROE) | -6.5187% | 6,762 |
| Retained earnings to average equity (ytd only) | -6.5187% | 6,512 |
| Net charge-offs to loans | 0.3268% | 3,544 |
| Credit loss provision to net charge-offs | 83.1461% | 5,117 |
| Earnings coverage of net charge-offs (x) | -1.0899% | 6,248 |
| Efficiency ratio | 108.3262% | 899 |
| Assets per employee ($millions) | 2.7669% | 6,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 5,483 |
| Loan loss allowance to noncurrent loans | 29.6856% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 4.1216% | 1,415 |
| Noncurrent loans to loans | 3.7605% | 1,837 |
| Net loans and leases to total assets | 80.8205% | 1,167 |
| Net loans and leases to deposits | 101.3111% | 1,139 |
| Net loans and leases to core deposits | 119.0711% | 2,448 |
| Total domestic deposits to total assets | 79.7746% | 5,543 |
| Equity capital to assets | 9.1992% | 5,012 |
| Core capital (leverage) ratio | 9.1664% | 4,355 |
| Tier 1 risk-based capital ratio | 11.5461% | 5,337 |
| Total risk-based capital ratio | 12.7275% | 5,326 |
| Memoranda: | ||
| Average total assets | $134,713,670 | 4,287 |
| Average earning assets | $121,683,000 | 4,325 |
| Average equity | $10,799,670 | 5,139 |
| Average total loans | $108,922,000 | 3,788 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7540% | 3,509 |
| Cost of funding earning assets | 2.6738% | 1,335 |
| Net interest margin | 3.0803% | 6,255 |
| Noninterest income to average assets | 0.4498% | 4,771 |
| Noninterest expense to average assets | 3.6639% | 1,722 |
| Loan and lease loss provision to assets | 0.0983% | 5,701 |
| Net operating income to assets | -0.5362% | 6,909 |
| Return on assets (ROA) | -0.5332% | 6,956 |
| Pretax return on assets | -0.5332% | 6,847 |
| Return on Equity (ROE) | -7.1862% | 7,164 |
| Retained earnings to average equity (ytd only) | -7.1862% | 6,815 |
| Net charge-offs to loans | 0.2075% | 3,398 |
| Credit loss provision to net charge-offs | 58.9286% | 4,536 |
| Earnings coverage of net charge-offs (x) | -2.6250% | 5,502 |
| Efficiency ratio | 113.5734% | 739 |
| Assets per employee ($millions) | 2.6818% | 6,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 5,305 |
| Loan loss allowance to noncurrent loans | 53.9462% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 3.0701% | 1,841 |
| Noncurrent loans to loans | 2.0818% | 3,145 |
| Net loans and leases to total assets | 80.0784% | 1,371 |
| Net loans and leases to deposits | 101.1125% | 1,271 |
| Net loans and leases to core deposits | 119.0401% | 2,504 |
| Total domestic deposits to total assets | 79.1973% | 5,645 |
| Equity capital to assets | 7.2472% | 7,528 |
| Core capital (leverage) ratio | 7.0165% | 7,623 |
| Tier 1 risk-based capital ratio | 8.9945% | 7,794 |
| Total risk-based capital ratio | 10.1803% | 7,868 |
| Memoranda: | ||
| Average total assets | $134,282,000 | 4,321 |
| Average earning assets | $121,028,000 | 4,358 |
| Average equity | $9,963,500 | 5,397 |
| Average total loans | $107,977,500 | 3,840 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2691% | 4,133 |
| Cost of funding earning assets | 3.2318% | 1,095 |
| Net interest margin | 3.0373% | 6,817 |
| Noninterest income to average assets | 0.3630% | 5,812 |
| Noninterest expense to average assets | 3.6813% | 1,989 |
| Loan and lease loss provision to assets | 0.3145% | 3,860 |
| Net operating income to assets | -0.8861% | 7,176 |
| Return on assets (ROA) | -0.8845% | 7,094 |
| Pretax return on assets | -0.8845% | 6,930 |
| Return on Equity (ROE) | -11.3042% | 7,372 |
| Retained earnings to average equity (ytd only) | -11.3042% | 7,186 |
| Net charge-offs to loans | 0.2185% | 4,039 |
| Credit loss provision to net charge-offs | 183.7209% | 2,709 |
| Earnings coverage of net charge-offs (x) | -3.3395% | 6,784 |
| Efficiency ratio | 118.3820% | 592 |
| Assets per employee ($millions) | 2.3122% | 7,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 4,494 |
| Loan loss allowance to noncurrent loans | 73.7915% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 2.2740% | 2,140 |
| Noncurrent loans to loans | 1.6323% | 3,323 |
| Net loans and leases to total assets | 78.8509% | 1,924 |
| Net loans and leases to deposits | 100.5817% | 1,774 |
| Net loans and leases to core deposits | 116.7431% | 3,036 |
| Total domestic deposits to total assets | 78.3949% | 5,585 |
| Equity capital to assets | 7.5990% | 7,302 |
| Core capital (leverage) ratio | 7.3549% | 7,355 |
| Tier 1 risk-based capital ratio | 9.6092% | 7,197 |
| Total risk-based capital ratio | 10.8593% | 7,090 |
| Memoranda: | ||
| Average total assets | $125,608,800 | 4,382 |
| Average earning assets | $113,588,200 | 4,434 |
| Average equity | $9,828,200 | 5,460 |
| Average total loans | $98,413,200 | 3,994 |