Home > Canton State Bank > Performance and Condition Ratios
Canton State 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 | 5.2757% | 1,973 |
| Cost of funding earning assets | 1.2506% | 2,246 |
| Net interest margin | 4.0251% | 2,713 |
| Noninterest income to average assets | 0.3929% | 4,738 |
| Noninterest expense to average assets | 3.1513% | 3,075 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9862% | 2,280 |
| Return on assets (ROA) | 0.9862% | 2,382 |
| Pretax return on assets | 0.9862% | 3,287 |
| Return on Equity (ROE) | 10.9200% | 1,825 |
| Retained earnings to average equity (ytd only) | 10.9200% | 680 |
| Net charge-offs to loans | -0.3362% | 7,357 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1639% | 2,984 |
| Assets per employee ($millions) | 3.6457% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 3,368 |
| Loan loss allowance to noncurrent loans | 344.4444% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 5,461 |
| Noncurrent loans to loans | 0.4900% | 5,926 |
| Net loans and leases to total assets | 70.7563% | 2,061 |
| Net loans and leases to deposits | 78.7621% | 2,997 |
| Net loans and leases to core deposits | 79.9832% | 3,787 |
| Total domestic deposits to total assets | 89.8354% | 1,056 |
| Equity capital to assets | 9.4749% | 4,848 |
| Core capital (leverage) ratio | 9.1655% | 4,465 |
| Tier 1 risk-based capital ratio | 11.8592% | 5,891 |
| Total risk-based capital ratio | 13.1113% | 5,865 |
| Memoranda: | ||
| Average total assets | $25,957,670 | 7,214 |
| Average earning assets | $24,148,670 | 7,171 |
| Average equity | $2,344,330 | 7,278 |
| Average total loans | $18,441,330 | 6,862 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2208% | 2,153 |
| Cost of funding earning assets | 1.3011% | 2,162 |
| Net interest margin | 3.9197% | 3,045 |
| Noninterest income to average assets | 0.3973% | 4,722 |
| Noninterest expense to average assets | 3.0715% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9627% | 2,306 |
| Return on assets (ROA) | 0.9627% | 2,372 |
| Pretax return on assets | 0.9627% | 3,274 |
| Return on Equity (ROE) | 10.9209% | 1,768 |
| Retained earnings to average equity (ytd only) | 10.9209% | 914 |
| Net charge-offs to loans | -0.6494% | 7,445 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1364% | 3,143 |
| Assets per employee ($millions) | 3.6439% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 3,442 |
| Loan loss allowance to noncurrent loans | 965.6250% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 5,988 |
| Noncurrent loans to loans | 0.1731% | 6,616 |
| Net loans and leases to total assets | 71.2785% | 1,861 |
| Net loans and leases to deposits | 79.0685% | 2,879 |
| Net loans and leases to core deposits | 80.2870% | 3,710 |
| Total domestic deposits to total assets | 90.1478% | 1,062 |
| Equity capital to assets | 9.1740% | 4,913 |
| Core capital (leverage) ratio | 8.5134% | 5,428 |
| Tier 1 risk-based capital ratio | 11.4926% | 6,114 |
| Total risk-based capital ratio | 12.7463% | 6,088 |
| Memoranda: | ||
| Average total assets | $26,176,500 | 7,256 |
| Average earning assets | $24,287,500 | 7,220 |
| Average equity | $2,307,500 | 7,336 |
| Average total loans | $18,478,500 | 6,910 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3051% | 3,111 |
| Cost of funding earning assets | 1.7569% | 1,358 |
| Net interest margin | 3.5482% | 5,045 |
| Noninterest income to average assets | 0.0891% | 6,950 |
| Noninterest expense to average assets | 2.9234% | 4,132 |
| Loan and lease loss provision to assets | 0.9020% | 1,814 |
| Net operating income to assets | -0.4242% | 6,336 |
| Return on assets (ROA) | -0.4242% | 6,361 |
| Pretax return on assets | -0.4242% | 6,261 |
| Return on Equity (ROE) | -5.0660% | 6,436 |
| Retained earnings to average equity (ytd only) | -5.0660% | 6,304 |
| Net charge-offs to loans | 1.5447% | 1,420 |
| Credit loss provision to net charge-offs | 88.1533% | 5,203 |
| Earnings coverage of net charge-offs (x) | 0.4669% | 5,648 |
| Efficiency ratio | 85.9539% | 1,704 |
| Assets per employee ($millions) | 3.8351% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 3,951 |
| Loan loss allowance to noncurrent loans | 1,992.8571% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 6,263 |
| Noncurrent loans to loans | 0.0758% | 6,939 |
| Net loans and leases to total assets | 67.7494% | 3,043 |
| Net loans and leases to deposits | 74.6113% | 4,094 |
| Net loans and leases to core deposits | 76.9732% | 4,593 |
| Total domestic deposits to total assets | 90.8031% | 691 |
| Equity capital to assets | 8.4743% | 5,889 |
| Core capital (leverage) ratio | 7.9811% | 6,228 |
| Tier 1 risk-based capital ratio | 10.9765% | 6,340 |
| Total risk-based capital ratio | 12.2285% | 6,314 |
| Memoranda: | ||
| Average total assets | $28,050,000 | 7,265 |
| Average earning assets | $26,182,400 | 7,221 |
| Average equity | $2,349,000 | 7,438 |
| Average total loans | $18,579,600 | 6,998 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3297% | 3,213 |
| Cost of funding earning assets | 1.8200% | 1,341 |
| Net interest margin | 3.5097% | 5,256 |
| Noninterest income to average assets | -0.0376% | 7,486 |
| Noninterest expense to average assets | 2.8969% | 4,099 |
| Loan and lease loss provision to assets | 1.1898% | 1,207 |
| Net operating income to assets | -0.8324% | 6,807 |
| Return on assets (ROA) | -0.8324% | 6,846 |
| Pretax return on assets | -0.8324% | 6,761 |
| Return on Equity (ROE) | -9.9679% | 6,929 |
| Retained earnings to average equity (ytd only) | -9.9679% | 6,879 |
| Net charge-offs to loans | 2.0708% | 896 |
| Credit loss provision to net charge-offs | 87.5433% | 4,872 |
| Earnings coverage of net charge-offs (x) | 0.2630% | 5,759 |
| Efficiency ratio | 89.0173% | 1,367 |
| Assets per employee ($millions) | 3.7954% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 3,960 |
| Loan loss allowance to noncurrent loans | 1,731.2500% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 6,387 |
| Noncurrent loans to loans | 0.0867% | 7,016 |
| Net loans and leases to total assets | 68.4470% | 3,115 |
| Net loans and leases to deposits | 75.6039% | 4,246 |
| Net loans and leases to core deposits | 78.0271% | 4,802 |
| Total domestic deposits to total assets | 90.5337% | 627 |
| Equity capital to assets | 8.6759% | 6,063 |
| Core capital (leverage) ratio | 7.7606% | 6,615 |
| Tier 1 risk-based capital ratio | 10.6698% | 6,656 |
| Total risk-based capital ratio | 11.9201% | 6,647 |
| Memoranda: | ||
| Average total assets | $28,351,000 | 7,350 |
| Average earning assets | $26,592,500 | 7,294 |
| Average equity | $2,367,500 | 7,527 |
| Average total loans | $18,607,750 | 7,089 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2411% | 3,754 |
| Cost of funding earning assets | 1.9065% | 1,219 |
| Net interest margin | 3.3346% | 5,886 |
| Noninterest income to average assets | -0.1244% | 7,642 |
| Noninterest expense to average assets | 2.7984% | 4,487 |
| Loan and lease loss provision to assets | 1.7274% | 724 |
| Net operating income to assets | -1.5201% | 7,156 |
| Return on assets (ROA) | -1.5201% | 7,168 |
| Pretax return on assets | -1.5201% | 7,082 |
| Return on Equity (ROE) | -18.4229% | 7,240 |
| Retained earnings to average equity (ytd only) | -18.4229% | 7,213 |
| Net charge-offs to loans | 3.1089% | 503 |
| Credit loss provision to net charge-offs | 86.2069% | 4,541 |
| Earnings coverage of net charge-offs (x) | 0.1034% | 5,622 |
| Efficiency ratio | 93.1034% | 1,115 |
| Assets per employee ($millions) | 3.5459% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 4,173 |
| Loan loss allowance to noncurrent loans | 1,365.0000% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.5605% | 6,073 |
| Noncurrent loans to loans | 0.1063% | 7,056 |
| Net loans and leases to total assets | 65.3576% | 3,971 |
| Net loans and leases to deposits | 71.7048% | 5,040 |
| Net loans and leases to core deposits | 72.8316% | 5,580 |
| Total domestic deposits to total assets | 91.1482% | 432 |
| Equity capital to assets | 8.0798% | 6,673 |
| Core capital (leverage) ratio | 7.2457% | 7,037 |
| Tier 1 risk-based capital ratio | 10.1724% | 6,927 |
| Total risk-based capital ratio | 11.4226% | 6,896 |
| Memoranda: | ||
| Average total assets | $28,945,330 | 7,389 |
| Average earning assets | $27,170,000 | 7,328 |
| Average equity | $2,388,330 | 7,577 |
| Average total loans | $18,656,330 | 7,140 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2654% | 3,706 |
| Cost of funding earning assets | 1.9160% | 1,386 |
| Net interest margin | 3.3494% | 5,789 |
| Noninterest income to average assets | 0.3831% | 5,066 |
| Noninterest expense to average assets | 2.7775% | 4,575 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7389% | 3,265 |
| Return on assets (ROA) | 0.7389% | 3,366 |
| Pretax return on assets | 0.7389% | 4,092 |
| Return on Equity (ROE) | 8.8652% | 2,540 |
| Retained earnings to average equity (ytd only) | 8.8652% | 1,436 |
| Net charge-offs to loans | -0.0215% | 7,092 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9883% | 2,728 |
| Assets per employee ($millions) | 3.6549% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6935% | 3,087 |
| Loan loss allowance to noncurrent loans | 100.3195% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 1.8126% | 3,766 |
| Noncurrent loans to loans | 1.6882% | 4,216 |
| Net loans and leases to total assets | 62.3380% | 4,690 |
| Net loans and leases to deposits | 68.6438% | 5,515 |
| Net loans and leases to core deposits | 70.6199% | 5,864 |
| Total domestic deposits to total assets | 90.8136% | 610 |
| Equity capital to assets | 8.4203% | 6,126 |
| Core capital (leverage) ratio | 8.1701% | 5,962 |
| Tier 1 risk-based capital ratio | 11.5054% | 5,668 |
| Total risk-based capital ratio | 12.7599% | 5,640 |
| Memoranda: | ||
| Average total assets | $29,234,500 | 7,468 |
| Average earning assets | $27,348,500 | 7,411 |
| Average equity | $2,436,500 | 7,654 |
| Average total loans | $18,578,000 | 7,235 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6318% | 3,431 |
| Cost of funding earning assets | 2.2565% | 1,815 |
| Net interest margin | 3.3753% | 5,466 |
| Noninterest income to average assets | 0.3295% | 5,727 |
| Noninterest expense to average assets | 3.1412% | 3,580 |
| Loan and lease loss provision to assets | 0.3940% | 4,433 |
| Net operating income to assets | -0.0287% | 5,545 |
| Return on assets (ROA) | -0.0322% | 5,583 |
| Pretax return on assets | -0.0322% | 5,499 |
| Return on Equity (ROE) | -0.3809% | 5,599 |
| Retained earnings to average equity (ytd only) | -0.3809% | 5,054 |
| Net charge-offs to loans | 0.9440% | 2,507 |
| Credit loss provision to net charge-offs | 62.5000% | 6,605 |
| Earnings coverage of net charge-offs (x) | 0.5795% | 5,523 |
| Efficiency ratio | 89.5812% | 1,741 |
| Assets per employee ($millions) | 3.6538% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6814% | 2,955 |
| Loan loss allowance to noncurrent loans | 71.6247% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 2.2374% | 3,084 |
| Noncurrent loans to loans | 2.3476% | 3,235 |
| Net loans and leases to total assets | 62.6138% | 4,887 |
| Net loans and leases to deposits | 68.8796% | 5,738 |
| Net loans and leases to core deposits | 79.3600% | 6,159 |
| Total domestic deposits to total assets | 90.9032% | 570 |
| Equity capital to assets | 8.2484% | 6,277 |
| Core capital (leverage) ratio | 8.0549% | 6,077 |
| Tier 1 risk-based capital ratio | 11.1218% | 5,806 |
| Total risk-based capital ratio | 12.3732% | 5,754 |
| Memoranda: | ||
| Average total assets | $27,919,600 | 7,552 |
| Average earning assets | $26,279,400 | 7,495 |
| Average equity | $2,363,000 | 7,759 |
| Average total loans | $18,644,400 | 7,279 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6948% | 3,365 |
| Cost of funding earning assets | 2.3076% | 1,954 |
| Net interest margin | 3.3872% | 5,324 |
| Noninterest income to average assets | 0.3189% | 5,929 |
| Noninterest expense to average assets | 3.2424% | 3,148 |
| Loan and lease loss provision to assets | 0.5315% | 3,257 |
| Net operating income to assets | -0.2561% | 6,149 |
| Return on assets (ROA) | -0.2609% | 6,162 |
| Pretax return on assets | -0.2609% | 6,054 |
| Return on Equity (ROE) | -3.0625% | 6,252 |
| Retained earnings to average equity (ytd only) | -3.0625% | 5,946 |
| Net charge-offs to loans | 1.3010% | 1,572 |
| Credit loss provision to net charge-offs | 60.4396% | 6,163 |
| Earnings coverage of net charge-offs (x) | 0.3132% | 5,706 |
| Efficiency ratio | 92.1703% | 1,528 |
| Assets per employee ($millions) | 3.9919% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6308% | 2,873 |
| Loan loss allowance to noncurrent loans | 69.4570% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 2.3584% | 2,921 |
| Noncurrent loans to loans | 2.3479% | 3,208 |
| Net loans and leases to total assets | 66.2706% | 4,365 |
| Net loans and leases to deposits | 73.2603% | 5,474 |
| Net loans and leases to core deposits | 86.0662% | 5,861 |
| Total domestic deposits to total assets | 90.4591% | 607 |
| Equity capital to assets | 8.5925% | 6,124 |
| Core capital (leverage) ratio | 8.1002% | 6,183 |
| Tier 1 risk-based capital ratio | 10.9288% | 6,012 |
| Total risk-based capital ratio | 12.1824% | 5,973 |
| Memoranda: | ||
| Average total assets | $27,592,000 | 7,632 |
| Average earning assets | $26,058,250 | 7,572 |
| Average equity | $2,351,000 | 7,836 |
| Average total loans | $18,651,750 | 7,343 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6928% | 3,584 |
| Cost of funding earning assets | 2.3142% | 2,300 |
| Net interest margin | 3.3787% | 5,256 |
| Noninterest income to average assets | 0.3130% | 6,003 |
| Noninterest expense to average assets | 3.2539% | 3,142 |
| Loan and lease loss provision to assets | 0.8007% | 2,089 |
| Net operating income to assets | -0.5532% | 6,602 |
| Return on assets (ROA) | -0.5532% | 6,607 |
| Pretax return on assets | -0.5532% | 6,478 |
| Return on Equity (ROE) | -6.5115% | 6,761 |
| Retained earnings to average equity (ytd only) | -6.5115% | 6,511 |
| Net charge-offs to loans | 1.9684% | 942 |
| Credit loss provision to net charge-offs | 60.1093% | 5,586 |
| Earnings coverage of net charge-offs (x) | 0.1858% | 5,484 |
| Efficiency ratio | 92.9314% | 1,572 |
| Assets per employee ($millions) | 3.9611% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 2,833 |
| Loan loss allowance to noncurrent loans | 67.5497% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 2.4163% | 2,683 |
| Noncurrent loans to loans | 2.3354% | 3,097 |
| Net loans and leases to total assets | 68.8510% | 3,983 |
| Net loans and leases to deposits | 76.0053% | 5,175 |
| Net loans and leases to core deposits | 87.5774% | 5,757 |
| Total domestic deposits to total assets | 90.5871% | 597 |
| Equity capital to assets | 8.3814% | 6,227 |
| Core capital (leverage) ratio | 8.1763% | 6,017 |
| Tier 1 risk-based capital ratio | 10.6383% | 6,246 |
| Total risk-based capital ratio | 11.8901% | 6,178 |
| Memoranda: | ||
| Average total assets | $27,475,000 | 7,705 |
| Average earning assets | $25,927,330 | 7,644 |
| Average equity | $2,334,330 | 7,919 |
| Average total loans | $18,594,000 | 7,419 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7123% | 3,741 |
| Cost of funding earning assets | 2.3594% | 2,467 |
| Net interest margin | 3.3529% | 5,314 |
| Noninterest income to average assets | 0.3071% | 5,986 |
| Noninterest expense to average assets | 3.1592% | 3,154 |
| Loan and lease loss provision to assets | 1.6089% | 776 |
| Net operating income to assets | -1.3017% | 7,415 |
| Return on assets (ROA) | -1.3017% | 7,430 |
| Pretax return on assets | -1.3017% | 7,301 |
| Return on Equity (ROE) | -15.2169% | 7,609 |
| Retained earnings to average equity (ytd only) | -15.2169% | 7,448 |
| Net charge-offs to loans | 4.0236% | 301 |
| Credit loss provision to net charge-offs | 60.1093% | 4,513 |
| Earnings coverage of net charge-offs (x) | 0.1148% | 4,890 |
| Efficiency ratio | 91.1392% | 1,640 |
| Assets per employee ($millions) | 3.8214% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 2,203 |
| Loan loss allowance to noncurrent loans | 48.9600% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 2.7477% | 2,066 |
| Noncurrent loans to loans | 3.4356% | 1,860 |
| Net loans and leases to total assets | 66.8636% | 4,373 |
| Net loans and leases to deposits | 73.8603% | 5,495 |
| Net loans and leases to core deposits | 84.3281% | 6,036 |
| Total domestic deposits to total assets | 90.5271% | 580 |
| Equity capital to assets | 8.4897% | 6,086 |
| Core capital (leverage) ratio | 8.2446% | 6,011 |
| Tier 1 risk-based capital ratio | 11.2655% | 5,631 |
| Total risk-based capital ratio | 12.5177% | 5,540 |
| Memoranda: | ||
| Average total assets | $27,348,500 | 7,754 |
| Average earning assets | $25,769,000 | 7,694 |
| Average equity | $2,339,500 | 7,970 |
| Average total loans | $18,192,500 | 7,478 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4326% | 3,267 |
| Cost of funding earning assets | 2.9422% | 2,084 |
| Net interest margin | 3.4904% | 5,330 |
| Noninterest income to average assets | 0.3756% | 5,687 |
| Noninterest expense to average assets | 2.9873% | 4,121 |
| Loan and lease loss provision to assets | 2.0430% | 581 |
| Net operating income to assets | -1.3725% | 7,417 |
| Return on assets (ROA) | -1.3725% | 7,360 |
| Pretax return on assets | -1.3690% | 7,195 |
| Return on Equity (ROE) | -14.0597% | 7,545 |
| Retained earnings to average equity (ytd only) | -24.8472% | 7,804 |
| Net charge-offs to loans | 2.7233% | 343 |
| Credit loss provision to net charge-offs | 106.3985% | 5,040 |
| Earnings coverage of net charge-offs (x) | 0.3510% | 6,021 |
| Efficiency ratio | 81.5916% | 2,363 |
| Assets per employee ($millions) | 3.9924% | 3,534 |
| Cash dividends to net income (ytd only)* | -76.7263% | 8,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0777% | 1,105 |
| Loan loss allowance to noncurrent loans | 42.5676% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 3.1774% | 1,438 |
| Noncurrent loans to loans | 4.8810% | 922 |
| Net loans and leases to total assets | 63.7457% | 5,324 |
| Net loans and leases to deposits | 70.7085% | 6,199 |
| Net loans and leases to core deposits | 80.5343% | 6,575 |
| Total domestic deposits to total assets | 90.1528% | 592 |
| Equity capital to assets | 8.6163% | 5,908 |
| Core capital (leverage) ratio | 8.3741% | 5,811 |
| Tier 1 risk-based capital ratio | 11.6312% | 5,119 |
| Total risk-based capital ratio | 12.8894% | 5,003 |
| Memoranda: | ||
| Average total assets | $28,487,200 | 7,705 |
| Average earning assets | $26,816,600 | 7,667 |
| Average equity | $2,781,000 | 7,901 |
| Average total loans | $20,086,000 | 7,332 |