Home > Citizens Bank of Northern California > Performance and Condition Ratios
Citizens Bank of Northern California, 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 | 5.1216% | 2,581 |
| Cost of funding earning assets | 0.4835% | 6,898 |
| Net interest margin | 4.6381% | 843 |
| Noninterest income to average assets | 0.6440% | 2,886 |
| Noninterest expense to average assets | 4.5957% | 537 |
| Loan and lease loss provision to assets | 3.1393% | 138 |
| Net operating income to assets | -3.0863% | 7,314 |
| Return on assets (ROA) | -3.0863% | 7,320 |
| Pretax return on assets | -3.0863% | 7,314 |
| Return on Equity (ROE) | -68.1046% | 7,396 |
| Retained earnings to average equity (ytd only) | -68.1046% | 7,393 |
| Net charge-offs to loans | 4.5391% | 157 |
| Credit loss provision to net charge-offs | 87.2930% | 3,539 |
| Earnings coverage of net charge-offs (x) | 0.0148% | 5,271 |
| Efficiency ratio | 98.8583% | 759 |
| Assets per employee ($millions) | 3.9557% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0401% | 91 |
| Loan loss allowance to noncurrent loans | 51.6055% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 14.7019% | 156 |
| Noncurrent loans to loans | 11.7044% | 274 |
| Net loans and leases to total assets | 74.2822% | 1,362 |
| Net loans and leases to deposits | 84.7565% | 1,983 |
| Net loans and leases to core deposits | 87.5164% | 2,700 |
| Total domestic deposits to total assets | 87.6419% | 2,373 |
| Equity capital to assets | 3.9188% | 7,393 |
| Core capital (leverage) ratio | 3.7401% | 7,394 |
| Tier 1 risk-based capital ratio | 4.6983% | 7,411 |
| Total risk-based capital ratio | 6.0040% | 7,409 |
| Memoranda: | ||
| Average total assets | $308,982,670 | 2,082 |
| Average earning assets | $266,789,330 | 2,203 |
| Average equity | $14,002,000 | 4,124 |
| Average total loans | $244,803,670 | 1,742 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9840% | 3,170 |
| Cost of funding earning assets | 0.4809% | 7,037 |
| Net interest margin | 4.5032% | 1,062 |
| Noninterest income to average assets | 0.7258% | 2,413 |
| Noninterest expense to average assets | 4.1819% | 832 |
| Loan and lease loss provision to assets | 2.2564% | 237 |
| Net operating income to assets | -1.7801% | 7,251 |
| Return on assets (ROA) | -1.7801% | 7,250 |
| Pretax return on assets | -1.7801% | 7,221 |
| Return on Equity (ROE) | -37.0153% | 7,365 |
| Retained earnings to average equity (ytd only) | -37.0153% | 7,342 |
| Net charge-offs to loans | 2.3678% | 504 |
| Credit loss provision to net charge-offs | 120.1602% | 2,272 |
| Earnings coverage of net charge-offs (x) | 0.2537% | 4,420 |
| Efficiency ratio | 89.7740% | 1,354 |
| Assets per employee ($millions) | 4.1068% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0269% | 98 |
| Loan loss allowance to noncurrent loans | 45.9192% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 14.2384% | 175 |
| Noncurrent loans to loans | 13.1250% | 225 |
| Net loans and leases to total assets | 73.9219% | 1,357 |
| Net loans and leases to deposits | 85.4335% | 1,812 |
| Net loans and leases to core deposits | 88.3521% | 2,557 |
| Total domestic deposits to total assets | 86.5257% | 3,222 |
| Equity capital to assets | 4.6877% | 7,393 |
| Core capital (leverage) ratio | 4.5586% | 7,391 |
| Tier 1 risk-based capital ratio | 5.8299% | 7,429 |
| Total risk-based capital ratio | 7.1373% | 7,433 |
| Memoranda: | ||
| Average total assets | $319,091,500 | 2,042 |
| Average earning assets | $278,649,000 | 2,123 |
| Average equity | $15,345,000 | 3,838 |
| Average total loans | $253,060,500 | 1,712 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2239% | 3,491 |
| Cost of funding earning assets | 0.6209% | 7,081 |
| Net interest margin | 4.6029% | 1,004 |
| Noninterest income to average assets | 0.3107% | 5,582 |
| Noninterest expense to average assets | 3.2075% | 3,058 |
| Loan and lease loss provision to assets | 3.5956% | 206 |
| Net operating income to assets | -2.2214% | 7,119 |
| Return on assets (ROA) | -2.1865% | 7,120 |
| Pretax return on assets | -2.1865% | 7,086 |
| Return on Equity (ROE) | -36.5304% | 7,306 |
| Retained earnings to average equity (ytd only) | -36.5304% | 7,297 |
| Net charge-offs to loans | 4.2726% | 270 |
| Credit loss provision to net charge-offs | 100.8822% | 4,507 |
| Earnings coverage of net charge-offs (x) | 0.3856% | 5,723 |
| Efficiency ratio | 70.0070% | 4,180 |
| Assets per employee ($millions) | 4.2904% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5621% | 138 |
| Loan loss allowance to noncurrent loans | 45.0757% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 13.0178% | 227 |
| Noncurrent loans to loans | 12.3394% | 269 |
| Net loans and leases to total assets | 75.4774% | 1,382 |
| Net loans and leases to deposits | 89.3804% | 1,603 |
| Net loans and leases to core deposits | 92.4561% | 2,442 |
| Total domestic deposits to total assets | 84.4451% | 4,150 |
| Equity capital to assets | 4.9250% | 7,438 |
| Core capital (leverage) ratio | 4.7545% | 7,435 |
| Tier 1 risk-based capital ratio | 6.0377% | 7,476 |
| Total risk-based capital ratio | 7.3398% | 7,476 |
| Memoranda: | ||
| Average total assets | $343,472,000 | 1,902 |
| Average earning assets | $318,708,800 | 1,866 |
| Average equity | $20,558,200 | 3,068 |
| Average total loans | $286,524,800 | 1,566 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1181% | 4,227 |
| Cost of funding earning assets | 0.6313% | 7,221 |
| Net interest margin | 4.4868% | 1,285 |
| Noninterest income to average assets | 0.2223% | 6,318 |
| Noninterest expense to average assets | 2.9731% | 3,843 |
| Loan and lease loss provision to assets | 3.0283% | 285 |
| Net operating income to assets | -1.5916% | 7,130 |
| Return on assets (ROA) | -1.5456% | 7,129 |
| Pretax return on assets | -1.5456% | 7,053 |
| Return on Equity (ROE) | -24.7930% | 7,314 |
| Retained earnings to average equity (ytd only) | -24.7930% | 7,302 |
| Net charge-offs to loans | 3.5498% | 375 |
| Credit loss provision to net charge-offs | 101.2691% | 4,259 |
| Earnings coverage of net charge-offs (x) | 0.4805% | 5,543 |
| Efficiency ratio | 67.4200% | 4,578 |
| Assets per employee ($millions) | 4.5747% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1483% | 157 |
| Loan loss allowance to noncurrent loans | 40.8782% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 11.8164% | 284 |
| Noncurrent loans to loans | 12.5942% | 251 |
| Net loans and leases to total assets | 74.7951% | 1,620 |
| Net loans and leases to deposits | 94.1099% | 1,191 |
| Net loans and leases to core deposits | 97.2418% | 2,128 |
| Total domestic deposits to total assets | 79.4763% | 5,873 |
| Equity capital to assets | 5.4853% | 7,533 |
| Core capital (leverage) ratio | 5.6768% | 7,474 |
| Tier 1 risk-based capital ratio | 6.9808% | 7,547 |
| Total risk-based capital ratio | 8.2797% | 7,549 |
| Memoranda: | ||
| Average total assets | $347,822,500 | 1,907 |
| Average earning assets | $324,620,000 | 1,856 |
| Average equity | $21,683,000 | 2,958 |
| Average total loans | $293,005,000 | 1,548 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2524% | 3,700 |
| Cost of funding earning assets | 0.6579% | 7,283 |
| Net interest margin | 4.5944% | 1,013 |
| Noninterest income to average assets | 0.4199% | 4,757 |
| Noninterest expense to average assets | 2.8009% | 4,474 |
| Loan and lease loss provision to assets | 4.3501% | 158 |
| Net operating income to assets | -2.4378% | 7,403 |
| Return on assets (ROA) | -2.4378% | 7,415 |
| Pretax return on assets | -2.4378% | 7,352 |
| Return on Equity (ROE) | -37.5497% | 7,512 |
| Retained earnings to average equity (ytd only) | -37.5497% | 7,502 |
| Net charge-offs to loans | 4.0184% | 322 |
| Credit loss provision to net charge-offs | 125.7334% | 3,209 |
| Earnings coverage of net charge-offs (x) | 0.5527% | 5,179 |
| Efficiency ratio | 59.4265% | 6,158 |
| Assets per employee ($millions) | 3.9703% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5040% | 132 |
| Loan loss allowance to noncurrent loans | 53.2348% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 10.8674% | 336 |
| Noncurrent loans to loans | 10.3390% | 421 |
| Net loans and leases to total assets | 83.9659% | 357 |
| Net loans and leases to deposits | 99.7053% | 747 |
| Net loans and leases to core deposits | 102.4480% | 1,786 |
| Total domestic deposits to total assets | 84.2141% | 4,008 |
| Equity capital to assets | 5.9660% | 7,547 |
| Core capital (leverage) ratio | 5.7204% | 7,523 |
| Tier 1 risk-based capital ratio | 6.8025% | 7,619 |
| Total risk-based capital ratio | 8.1064% | 7,618 |
| Memoranda: | ||
| Average total assets | $344,821,000 | 1,937 |
| Average earning assets | $322,217,670 | 1,880 |
| Average equity | $22,386,330 | 2,876 |
| Average total loans | $296,881,670 | 1,538 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1177% | 4,447 |
| Cost of funding earning assets | 0.6911% | 7,350 |
| Net interest margin | 4.4265% | 1,309 |
| Noninterest income to average assets | 0.6489% | 2,939 |
| Noninterest expense to average assets | 3.5593% | 1,821 |
| Loan and lease loss provision to assets | 0.6771% | 1,880 |
| Net operating income to assets | 0.5541% | 4,118 |
| Return on assets (ROA) | 0.5541% | 4,257 |
| Pretax return on assets | 0.5541% | 4,773 |
| Return on Equity (ROE) | 8.2286% | 2,766 |
| Retained earnings to average equity (ytd only) | 8.2286% | 1,611 |
| Net charge-offs to loans | 1.8970% | 913 |
| Credit loss provision to net charge-offs | 42.0757% | 4,607 |
| Earnings coverage of net charge-offs (x) | 0.7651% | 4,347 |
| Efficiency ratio | 74.2992% | 3,530 |
| Assets per employee ($millions) | 4.1239% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5718% | 246 |
| Loan loss allowance to noncurrent loans | 40.7568% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 11.1859% | 320 |
| Noncurrent loans to loans | 11.2173% | 342 |
| Net loans and leases to total assets | 83.7068% | 401 |
| Net loans and leases to deposits | 99.4145% | 798 |
| Net loans and leases to core deposits | 105.0132% | 1,656 |
| Total domestic deposits to total assets | 84.1997% | 4,051 |
| Equity capital to assets | 7.1321% | 7,315 |
| Core capital (leverage) ratio | 6.7867% | 7,358 |
| Tier 1 risk-based capital ratio | 8.0191% | 7,610 |
| Total risk-based capital ratio | 9.3098% | 7,613 |
| Memoranda: | ||
| Average total assets | $354,450,500 | 1,935 |
| Average earning assets | $331,635,500 | 1,893 |
| Average equity | $23,868,000 | 2,730 |
| Average total loans | $300,681,000 | 1,565 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8349% | 2,508 |
| Cost of funding earning assets | 1.1194% | 6,917 |
| Net interest margin | 4.7155% | 811 |
| Noninterest income to average assets | 0.4386% | 4,895 |
| Noninterest expense to average assets | 3.2190% | 3,314 |
| Loan and lease loss provision to assets | 2.9690% | 587 |
| Net operating income to assets | -3.3395% | 7,473 |
| Return on assets (ROA) | -3.3395% | 7,470 |
| Pretax return on assets | -1.5851% | 6,746 |
| Return on Equity (ROE) | -39.4619% | 7,562 |
| Retained earnings to average equity (ytd only) | -39.4619% | 7,546 |
| Net charge-offs to loans | 2.9472% | 727 |
| Credit loss provision to net charge-offs | 121.6882% | 4,365 |
| Earnings coverage of net charge-offs (x) | 0.5672% | 5,541 |
| Efficiency ratio | 69.9338% | 4,644 |
| Assets per employee ($millions) | 4.4136% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7211% | 208 |
| Loan loss allowance to noncurrent loans | 52.7441% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 8.6116% | 479 |
| Noncurrent loans to loans | 8.9509% | 509 |
| Net loans and leases to total assets | 78.3165% | 1,315 |
| Net loans and leases to deposits | 95.5838% | 1,377 |
| Net loans and leases to core deposits | 111.7934% | 2,718 |
| Total domestic deposits to total assets | 81.9349% | 4,978 |
| Equity capital to assets | 6.3705% | 7,593 |
| Core capital (leverage) ratio | 6.0880% | 7,614 |
| Tier 1 risk-based capital ratio | 7.6477% | 7,684 |
| Total risk-based capital ratio | 8.9404% | 7,688 |
| Memoranda: | ||
| Average total assets | $374,366,000 | 1,824 |
| Average earning assets | $330,612,000 | 1,878 |
| Average equity | $31,681,200 | 2,113 |
| Average total loans | $309,916,600 | 1,544 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8241% | 2,784 |
| Cost of funding earning assets | 1.2009% | 6,883 |
| Net interest margin | 4.6232% | 951 |
| Noninterest income to average assets | -0.0775% | 7,912 |
| Noninterest expense to average assets | 3.2083% | 3,276 |
| Loan and lease loss provision to assets | 1.3856% | 1,388 |
| Net operating income to assets | -0.3876% | 6,300 |
| Return on assets (ROA) | -0.3876% | 6,299 |
| Pretax return on assets | -0.6502% | 6,443 |
| Return on Equity (ROE) | -4.3168% | 6,373 |
| Retained earnings to average equity (ytd only) | -4.3168% | 6,155 |
| Net charge-offs to loans | 0.7883% | 2,391 |
| Credit loss provision to net charge-offs | 211.9565% | 2,072 |
| Earnings coverage of net charge-offs (x) | 1.1250% | 4,936 |
| Efficiency ratio | 81.3514% | 2,667 |
| Assets per employee ($millions) | 4.5638% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7816% | 161 |
| Loan loss allowance to noncurrent loans | 40.9326% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 10.7828% | 292 |
| Noncurrent loans to loans | 11.6817% | 293 |
| Net loans and leases to total assets | 74.2586% | 2,453 |
| Net loans and leases to deposits | 89.8594% | 2,608 |
| Net loans and leases to core deposits | 109.4804% | 3,297 |
| Total domestic deposits to total assets | 82.6386% | 4,379 |
| Equity capital to assets | 8.6692% | 6,006 |
| Core capital (leverage) ratio | 7.2645% | 7,213 |
| Tier 1 risk-based capital ratio | 8.6494% | 7,717 |
| Total risk-based capital ratio | 9.9419% | 7,742 |
| Memoranda: | ||
| Average total assets | $375,272,000 | 1,831 |
| Average earning assets | $326,406,250 | 1,921 |
| Average equity | $33,697,000 | 2,012 |
| Average total loans | $311,211,000 | 1,562 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0399% | 2,020 |
| Cost of funding earning assets | 1.3071% | 6,780 |
| Net interest margin | 4.7328% | 761 |
| Noninterest income to average assets | -0.4069% | 8,111 |
| Noninterest expense to average assets | 3.1812% | 3,388 |
| Loan and lease loss provision to assets | 1.8865% | 869 |
| Net operating income to assets | -0.8446% | 6,861 |
| Return on assets (ROA) | -0.8446% | 6,868 |
| Pretax return on assets | -1.4170% | 7,045 |
| Return on Equity (ROE) | -9.2944% | 6,984 |
| Retained earnings to average equity (ytd only) | -9.2944% | 6,798 |
| Net charge-offs to loans | 1.0347% | 1,724 |
| Credit loss provision to net charge-offs | 215.3846% | 2,134 |
| Earnings coverage of net charge-offs (x) | 0.5360% | 5,173 |
| Efficiency ratio | 87.1401% | 2,111 |
| Assets per employee ($millions) | 4.6427% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5382% | 169 |
| Loan loss allowance to noncurrent loans | 56.3442% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 8.3278% | 442 |
| Noncurrent loans to loans | 8.0544% | 553 |
| Net loans and leases to total assets | 78.9083% | 1,544 |
| Net loans and leases to deposits | 96.9123% | 1,668 |
| Net loans and leases to core deposits | 122.7918% | 2,132 |
| Total domestic deposits to total assets | 81.4224% | 4,919 |
| Equity capital to assets | 8.7058% | 5,745 |
| Core capital (leverage) ratio | 7.1988% | 7,358 |
| Tier 1 risk-based capital ratio | 7.9799% | 7,915 |
| Total risk-based capital ratio | 9.2680% | 7,930 |
| Memoranda: | ||
| Average total assets | $371,055,000 | 1,875 |
| Average earning assets | $318,120,330 | 1,999 |
| Average equity | $33,719,330 | 2,013 |
| Average total loans | $314,104,000 | 1,579 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0279% | 2,245 |
| Cost of funding earning assets | 1.4452% | 6,595 |
| Net interest margin | 4.5827% | 969 |
| Noninterest income to average assets | -1.0944% | 8,216 |
| Noninterest expense to average assets | 3.2733% | 2,730 |
| Loan and lease loss provision to assets | 2.1844% | 539 |
| Net operating income to assets | -1.5258% | 7,507 |
| Return on assets (ROA) | -1.5258% | 7,507 |
| Pretax return on assets | -2.5590% | 7,673 |
| Return on Equity (ROE) | -16.4317% | 7,656 |
| Retained earnings to average equity (ytd only) | -16.4317% | 7,511 |
| Net charge-offs to loans | 0.7597% | 1,683 |
| Credit loss provision to net charge-offs | 335.5705% | 1,479 |
| Earnings coverage of net charge-offs (x) | -0.5755% | 5,282 |
| Efficiency ratio | 112.9239% | 750 |
| Assets per employee ($millions) | 4.3511% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3806% | 157 |
| Loan loss allowance to noncurrent loans | 57.2317% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 8.6683% | 306 |
| Noncurrent loans to loans | 7.6542% | 489 |
| Net loans and leases to total assets | 81.5063% | 1,103 |
| Net loans and leases to deposits | 98.8766% | 1,549 |
| Net loans and leases to core deposits | 127.5755% | 1,816 |
| Total domestic deposits to total assets | 82.4324% | 4,395 |
| Equity capital to assets | 9.0063% | 5,341 |
| Core capital (leverage) ratio | 7.4284% | 7,239 |
| Tier 1 risk-based capital ratio | 7.9534% | 8,016 |
| Total risk-based capital ratio | 9.2395% | 8,036 |
| Memoranda: | ||
| Average total assets | $366,232,500 | 1,902 |
| Average earning assets | $319,115,500 | 1,997 |
| Average equity | $34,007,500 | 2,004 |
| Average total loans | $313,813,500 | 1,596 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8540% | 1,526 |
| Cost of funding earning assets | 1.8461% | 6,876 |
| Net interest margin | 5.0079% | 496 |
| Noninterest income to average assets | 0.5878% | 3,943 |
| Noninterest expense to average assets | 3.2961% | 2,976 |
| Loan and lease loss provision to assets | 6.8294% | 43 |
| Net operating income to assets | -2.8698% | 7,793 |
| Return on assets (ROA) | -2.8698% | 7,763 |
| Pretax return on assets | -4.9380% | 8,017 |
| Return on Equity (ROE) | -27.8221% | 7,916 |
| Retained earnings to average equity (ytd only) | -27.8221% | 7,866 |
| Net charge-offs to loans | 4.8938% | 108 |
| Credit loss provision to net charge-offs | 155.0639% | 3,367 |
| Earnings coverage of net charge-offs (x) | 0.4294% | 5,975 |
| Efficiency ratio | 63.5397% | 5,660 |
| Assets per employee ($millions) | 4.2662% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9715% | 191 |
| Loan loss allowance to noncurrent loans | 44.5458% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 9.3885% | 197 |
| Noncurrent loans to loans | 8.9156% | 274 |
| Net loans and leases to total assets | 82.7213% | 1,097 |
| Net loans and leases to deposits | 99.5080% | 1,903 |
| Net loans and leases to core deposits | 119.8266% | 2,705 |
| Total domestic deposits to total assets | 83.1302% | 3,712 |
| Equity capital to assets | 9.5708% | 4,586 |
| Core capital (leverage) ratio | 7.7977% | 6,804 |
| Tier 1 risk-based capital ratio | 8.4356% | 8,007 |
| Total risk-based capital ratio | 9.7165% | 8,050 |
| Memoranda: | ||
| Average total assets | $349,956,400 | 1,903 |
| Average earning assets | $321,430,800 | 1,895 |
| Average equity | $36,097,200 | 1,868 |
| Average total loans | $314,951,000 | 1,538 |