Home > Citizens Bank of Spencer, Tenn. > Performance and Condition Ratios
Citizens Bank of Spencer, Tenn., 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 | 5.1883% | 2,304 |
| Cost of funding earning assets | 1.3332% | 1,741 |
| Net interest margin | 3.8552% | 3,512 |
| Noninterest income to average assets | 0.4148% | 4,552 |
| Noninterest expense to average assets | 3.7908% | 1,359 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1962% | 5,751 |
| Return on assets (ROA) | 0.1962% | 5,869 |
| Pretax return on assets | 0.1962% | 5,940 |
| Return on Equity (ROE) | 4.9568% | 4,474 |
| Retained earnings to average equity (ytd only) | 4.9568% | 3,035 |
| Net charge-offs to loans | 0.0971% | 4,710 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 3.3846% | 3,191 |
| Efficiency ratio | 95.0783% | 922 |
| Assets per employee ($millions) | 4.4336% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4196% | 297 |
| Loan loss allowance to noncurrent loans | 28.3827% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 10.9234% | 316 |
| Noncurrent loans to loans | 15.5713% | 126 |
| Net loans and leases to total assets | 56.5838% | 4,887 |
| Net loans and leases to deposits | 59.5707% | 5,770 |
| Net loans and leases to core deposits | 59.9594% | 6,091 |
| Total domestic deposits to total assets | 94.9860% | 51 |
| Equity capital to assets | 4.3870% | 7,362 |
| Core capital (leverage) ratio | 3.8969% | 7,381 |
| Tier 1 risk-based capital ratio | 7.3436% | 7,292 |
| Total risk-based capital ratio | 8.6347% | 7,291 |
| Memoranda: | ||
| Average total assets | $44,845,670 | 6,626 |
| Average earning assets | $41,554,670 | 6,582 |
| Average equity | $1,775,330 | 7,388 |
| Average total loans | $26,787,670 | 6,426 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1907% | 2,256 |
| Cost of funding earning assets | 1.4130% | 1,548 |
| Net interest margin | 3.7777% | 3,722 |
| Noninterest income to average assets | 0.3902% | 4,785 |
| Noninterest expense to average assets | 3.5476% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3282% | 5,276 |
| Return on assets (ROA) | 0.3282% | 5,352 |
| Pretax return on assets | 0.3282% | 5,570 |
| Return on Equity (ROE) | 8.7548% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.7548% | 1,470 |
| Net charge-offs to loans | -0.0296% | 6,708 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5332% | 1,197 |
| Assets per employee ($millions) | 4.1907% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3840% | 318 |
| Loan loss allowance to noncurrent loans | 34.9287% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 9.0329% | 477 |
| Noncurrent loans to loans | 12.5513% | 253 |
| Net loans and leases to total assets | 55.5924% | 5,060 |
| Net loans and leases to deposits | 58.0821% | 5,912 |
| Net loans and leases to core deposits | 58.4411% | 6,215 |
| Total domestic deposits to total assets | 95.7135% | 42 |
| Equity capital to assets | 3.7464% | 7,453 |
| Core capital (leverage) ratio | 3.8673% | 7,447 |
| Tier 1 risk-based capital ratio | 7.1109% | 7,355 |
| Total risk-based capital ratio | 8.4016% | 7,359 |
| Memoranda: | ||
| Average total assets | $45,100,500 | 6,664 |
| Average earning assets | $41,612,500 | 6,628 |
| Average equity | $1,690,500 | 7,451 |
| Average total loans | $27,058,000 | 6,467 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1943% | 572 |
| Cost of funding earning assets | 1.5099% | 2,581 |
| Net interest margin | 4.6844% | 846 |
| Noninterest income to average assets | 1.1492% | 1,122 |
| Noninterest expense to average assets | 3.6597% | 1,790 |
| Loan and lease loss provision to assets | 4.5103% | 106 |
| Net operating income to assets | -2.7978% | 7,245 |
| Return on assets (ROA) | -2.7978% | 7,267 |
| Pretax return on assets | -2.7408% | 7,232 |
| Return on Equity (ROE) | -57.2135% | 7,469 |
| Retained earnings to average equity (ytd only) | -57.2135% | 7,467 |
| Net charge-offs to loans | 6.2149% | 86 |
| Credit loss provision to net charge-offs | 114.0058% | 3,811 |
| Earnings coverage of net charge-offs (x) | 0.4473% | 5,664 |
| Efficiency ratio | 67.4087% | 4,686 |
| Assets per employee ($millions) | 4.0094% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2945% | 312 |
| Loan loss allowance to noncurrent loans | 40.9567% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 8.0471% | 613 |
| Noncurrent loans to loans | 10.4855% | 386 |
| Net loans and leases to total assets | 59.2726% | 4,795 |
| Net loans and leases to deposits | 61.9279% | 5,852 |
| Net loans and leases to core deposits | 62.3265% | 6,212 |
| Total domestic deposits to total assets | 95.7123% | 46 |
| Equity capital to assets | 3.7503% | 7,519 |
| Core capital (leverage) ratio | 3.8001% | 7,513 |
| Tier 1 risk-based capital ratio | 6.9829% | 7,426 |
| Total risk-based capital ratio | 8.2731% | 7,425 |
| Memoranda: | ||
| Average total assets | $43,855,600 | 6,740 |
| Average earning assets | $40,069,000 | 6,715 |
| Average equity | $2,144,600 | 7,483 |
| Average total loans | $27,916,800 | 6,498 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5789% | 300 |
| Cost of funding earning assets | 1.5174% | 2,865 |
| Net interest margin | 5.0615% | 384 |
| Noninterest income to average assets | 1.1021% | 1,165 |
| Noninterest expense to average assets | 3.4707% | 2,113 |
| Loan and lease loss provision to assets | 5.0112% | 86 |
| Net operating income to assets | -2.8740% | 7,425 |
| Return on assets (ROA) | -2.6487% | 7,399 |
| Pretax return on assets | -2.5543% | 7,333 |
| Return on Equity (ROE) | -51.1620% | 7,565 |
| Retained earnings to average equity (ytd only) | -51.1620% | 7,563 |
| Net charge-offs to loans | 7.7098% | 48 |
| Credit loss provision to net charge-offs | 101.4171% | 4,251 |
| Earnings coverage of net charge-offs (x) | 0.4516% | 5,572 |
| Efficiency ratio | 60.8649% | 5,814 |
| Assets per employee ($millions) | 3.4178% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4149% | 573 |
| Loan loss allowance to noncurrent loans | 50.1315% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 5.9711% | 1,003 |
| Noncurrent loans to loans | 6.8119% | 847 |
| Net loans and leases to total assets | 60.6649% | 4,786 |
| Net loans and leases to deposits | 64.4725% | 5,856 |
| Net loans and leases to core deposits | 66.7542% | 6,064 |
| Total domestic deposits to total assets | 94.0942% | 69 |
| Equity capital to assets | 5.2058% | 7,557 |
| Core capital (leverage) ratio | 4.6258% | 7,585 |
| Tier 1 risk-based capital ratio | 8.0563% | 7,476 |
| Total risk-based capital ratio | 9.3356% | 7,480 |
| Memoranda: | ||
| Average total assets | $43,793,750 | 6,825 |
| Average earning assets | $39,803,000 | 6,804 |
| Average equity | $2,267,250 | 7,552 |
| Average total loans | $28,067,500 | 6,587 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9278% | 172 |
| Cost of funding earning assets | 1.5373% | 3,026 |
| Net interest margin | 5.3905% | 202 |
| Noninterest income to average assets | 1.4364% | 614 |
| Noninterest expense to average assets | 3.2766% | 2,638 |
| Loan and lease loss provision to assets | 7.5537% | 31 |
| Net operating income to assets | -4.6442% | 7,677 |
| Return on assets (ROA) | -4.3275% | 7,654 |
| Pretax return on assets | -4.1853% | 7,627 |
| Return on Equity (ROE) | -83.7478% | 7,708 |
| Retained earnings to average equity (ytd only) | -83.7478% | 7,706 |
| Net charge-offs to loans | 11.7421% | 23 |
| Credit loss provision to net charge-offs | 99.6972% | 4,123 |
| Earnings coverage of net charge-offs (x) | 0.4028% | 5,326 |
| Efficiency ratio | 51.7766% | 7,092 |
| Assets per employee ($millions) | 3.3342% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2824% | 652 |
| Loan loss allowance to noncurrent loans | 47.8036% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 5.7724% | 1,042 |
| Noncurrent loans to loans | 6.8663% | 843 |
| Net loans and leases to total assets | 62.8830% | 4,492 |
| Net loans and leases to deposits | 66.6227% | 5,729 |
| Net loans and leases to core deposits | 69.0340% | 5,970 |
| Total domestic deposits to total assets | 94.3868% | 65 |
| Equity capital to assets | 4.9303% | 7,641 |
| Core capital (leverage) ratio | 4.6173% | 7,645 |
| Tier 1 risk-based capital ratio | 7.7419% | 7,544 |
| Total risk-based capital ratio | 9.0189% | 7,550 |
| Memoranda: | ||
| Average total assets | $43,581,330 | 6,875 |
| Average earning assets | $39,551,000 | 6,865 |
| Average equity | $2,252,000 | 7,617 |
| Average total loans | $28,121,000 | 6,625 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2166% | 622 |
| Cost of funding earning assets | 1.5089% | 3,498 |
| Net interest margin | 4.7077% | 771 |
| Noninterest income to average assets | 0.5767% | 3,444 |
| Noninterest expense to average assets | 3.2494% | 2,705 |
| Loan and lease loss provision to assets | 14.6270% | 7 |
| Net operating income to assets | -13.2082% | 7,917 |
| Return on assets (ROA) | -13.2082% | 7,917 |
| Pretax return on assets | -13.0160% | 7,915 |
| Return on Equity (ROE) | -249.9242% | 7,896 |
| Retained earnings to average equity (ytd only) | -249.9242% | 7,896 |
| Net charge-offs to loans | 22.6834% | 6 |
| Credit loss provision to net charge-offs | 100.3139% | 3,377 |
| Earnings coverage of net charge-offs (x) | 0.1105% | 4,935 |
| Efficiency ratio | 66.8550% | 4,946 |
| Assets per employee ($millions) | 3.4368% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3298% | 621 |
| Loan loss allowance to noncurrent loans | 34.7842% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 7.2273% | 733 |
| Noncurrent loans to loans | 9.5726% | 456 |
| Net loans and leases to total assets | 60.7570% | 4,988 |
| Net loans and leases to deposits | 63.4244% | 6,123 |
| Net loans and leases to core deposits | 69.2157% | 5,979 |
| Total domestic deposits to total assets | 95.7944% | 34 |
| Equity capital to assets | 3.5185% | 7,827 |
| Core capital (leverage) ratio | 3.4289% | 7,821 |
| Tier 1 risk-based capital ratio | 5.7043% | 7,760 |
| Total risk-based capital ratio | 6.9814% | 7,763 |
| Memoranda: | ||
| Average total assets | $43,700,000 | 6,966 |
| Average earning assets | $39,764,500 | 6,938 |
| Average equity | $2,309,500 | 7,686 |
| Average total loans | $28,091,000 | 6,711 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4122% | 809 |
| Cost of funding earning assets | 1.7290% | 4,360 |
| Net interest margin | 4.6832% | 863 |
| Noninterest income to average assets | 0.6888% | 3,044 |
| Noninterest expense to average assets | 3.6034% | 2,133 |
| Loan and lease loss provision to assets | 8.2970% | 37 |
| Net operating income to assets | -5.7586% | 7,820 |
| Return on assets (ROA) | -5.7586% | 7,813 |
| Pretax return on assets | -6.9491% | 7,869 |
| Return on Equity (ROE) | -48.2958% | 7,670 |
| Retained earnings to average equity (ytd only) | -48.2958% | 7,663 |
| Net charge-offs to loans | 10.7297% | 29 |
| Credit loss provision to net charge-offs | 114.5827% | 4,779 |
| Earnings coverage of net charge-offs (x) | 0.1861% | 5,963 |
| Efficiency ratio | 72.7775% | 4,136 |
| Assets per employee ($millions) | 3.5602% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3094% | 601 |
| Loan loss allowance to noncurrent loans | 48.7421% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 5.6388% | 1,032 |
| Noncurrent loans to loans | 6.7896% | 858 |
| Net loans and leases to total assets | 63.6019% | 4,679 |
| Net loans and leases to deposits | 69.0679% | 5,716 |
| Net loans and leases to core deposits | 83.5727% | 5,758 |
| Total domestic deposits to total assets | 92.0860% | 248 |
| Equity capital to assets | 7.1322% | 7,306 |
| Core capital (leverage) ratio | 6.4809% | 7,502 |
| Tier 1 risk-based capital ratio | 11.3794% | 5,536 |
| Total risk-based capital ratio | 12.6574% | 5,465 |
| Memoranda: | ||
| Average total assets | $43,847,400 | 6,948 |
| Average earning assets | $39,908,400 | 6,942 |
| Average equity | $5,228,200 | 6,863 |
| Average total loans | $29,590,800 | 6,650 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7347% | 477 |
| Cost of funding earning assets | 1.7293% | 4,745 |
| Net interest margin | 5.0054% | 433 |
| Noninterest income to average assets | 0.7825% | 2,529 |
| Noninterest expense to average assets | 3.2450% | 3,139 |
| Loan and lease loss provision to assets | 0.4532% | 3,647 |
| Net operating income to assets | 1.0937% | 1,752 |
| Return on assets (ROA) | 1.0937% | 1,813 |
| Pretax return on assets | 1.6406% | 1,092 |
| Return on Equity (ROE) | 8.3597% | 2,498 |
| Retained earnings to average equity (ytd only) | 8.3597% | 1,022 |
| Net charge-offs to loans | 0.9968% | 1,977 |
| Credit loss provision to net charge-offs | 66.9643% | 6,046 |
| Earnings coverage of net charge-offs (x) | 3.0938% | 3,689 |
| Efficiency ratio | 60.7810% | 6,312 |
| Assets per employee ($millions) | 3.7598% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 4,592 |
| Loan loss allowance to noncurrent loans | 17.6550% | 7,210 |
| Noncurrent assets plus other real estate owned to assets | 6.2414% | 837 |
| Noncurrent loans to loans | 7.2807% | 720 |
| Net loans and leases to total assets | 66.8935% | 4,213 |
| Net loans and leases to deposits | 78.1264% | 4,724 |
| Net loans and leases to core deposits | 93.2289% | 5,102 |
| Total domestic deposits to total assets | 85.6221% | 2,899 |
| Equity capital to assets | 13.3051% | 1,575 |
| Core capital (leverage) ratio | 12.9003% | 1,408 |
| Tier 1 risk-based capital ratio | 20.7975% | 1,396 |
| Total risk-based capital ratio | 22.0510% | 1,367 |
| Memoranda: | ||
| Average total assets | $44,128,750 | 6,995 |
| Average earning assets | $40,169,000 | 6,993 |
| Average equity | $5,773,500 | 6,746 |
| Average total loans | $29,963,000 | 6,684 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8955% | 383 |
| Cost of funding earning assets | 1.8130% | 4,696 |
| Net interest margin | 5.0824% | 370 |
| Noninterest income to average assets | 0.8311% | 2,264 |
| Noninterest expense to average assets | 3.2649% | 3,100 |
| Loan and lease loss provision to assets | 0.6849% | 2,376 |
| Net operating income to assets | 1.0000% | 2,103 |
| Return on assets (ROA) | 1.0000% | 2,198 |
| Pretax return on assets | 1.5023% | 1,433 |
| Return on Equity (ROE) | 7.6883% | 2,895 |
| Retained earnings to average equity (ytd only) | 7.6883% | 1,322 |
| Net charge-offs to loans | 1.3172% | 1,404 |
| Credit loss provision to net charge-offs | 76.5306% | 5,291 |
| Earnings coverage of net charge-offs (x) | 2.4439% | 3,845 |
| Efficiency ratio | 59.8827% | 6,572 |
| Assets per employee ($millions) | 3.7286% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 3,734 |
| Loan loss allowance to noncurrent loans | 40.4419% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 3.6542% | 1,687 |
| Noncurrent loans to loans | 3.4557% | 2,033 |
| Net loans and leases to total assets | 66.3858% | 4,484 |
| Net loans and leases to deposits | 77.0386% | 5,022 |
| Net loans and leases to core deposits | 89.7453% | 5,556 |
| Total domestic deposits to total assets | 86.1721% | 2,692 |
| Equity capital to assets | 12.8780% | 1,752 |
| Core capital (leverage) ratio | 12.2879% | 1,702 |
| Tier 1 risk-based capital ratio | 20.8776% | 1,420 |
| Total risk-based capital ratio | 22.1309% | 1,383 |
| Memoranda: | ||
| Average total assets | $43,799,000 | 7,061 |
| Average earning assets | $39,823,330 | 7,061 |
| Average equity | $5,697,000 | 6,834 |
| Average total loans | $29,759,330 | 6,746 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8697% | 428 |
| Cost of funding earning assets | 1.7859% | 5,180 |
| Net interest margin | 5.0838% | 337 |
| Noninterest income to average assets | 1.1909% | 1,024 |
| Noninterest expense to average assets | 3.3143% | 2,615 |
| Loan and lease loss provision to assets | 0.9232% | 1,403 |
| Net operating income to assets | 1.0802% | 2,030 |
| Return on assets (ROA) | 1.0802% | 2,161 |
| Pretax return on assets | 1.5787% | 1,462 |
| Return on Equity (ROE) | 8.2620% | 3,032 |
| Retained earnings to average equity (ytd only) | 8.2620% | 1,719 |
| Net charge-offs to loans | 1.2983% | 1,085 |
| Credit loss provision to net charge-offs | 104.1667% | 3,624 |
| Earnings coverage of net charge-offs (x) | 2.8229% | 3,367 |
| Efficiency ratio | 56.9841% | 6,836 |
| Assets per employee ($millions) | 3.7520% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 2,603 |
| Loan loss allowance to noncurrent loans | 34.4298% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 4.1134% | 1,232 |
| Noncurrent loans to loans | 4.5881% | 1,239 |
| Net loans and leases to total assets | 65.1764% | 4,777 |
| Net loans and leases to deposits | 75.5360% | 5,288 |
| Net loans and leases to core deposits | 84.9029% | 5,987 |
| Total domestic deposits to total assets | 86.2851% | 2,562 |
| Equity capital to assets | 12.7843% | 1,844 |
| Core capital (leverage) ratio | 12.6788% | 1,614 |
| Tier 1 risk-based capital ratio | 20.7136% | 1,491 |
| Total risk-based capital ratio | 21.9707% | 1,462 |
| Memoranda: | ||
| Average total assets | $43,327,000 | 7,121 |
| Average earning assets | $39,419,500 | 7,113 |
| Average equity | $5,664,500 | 6,892 |
| Average total loans | $29,577,000 | 6,793 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2159% | 712 |
| Cost of funding earning assets | 2.1929% | 5,632 |
| Net interest margin | 5.0230% | 482 |
| Noninterest income to average assets | 0.6933% | 3,162 |
| Noninterest expense to average assets | 3.5995% | 2,147 |
| Loan and lease loss provision to assets | 0.2640% | 4,283 |
| Net operating income to assets | 1.0066% | 2,531 |
| Return on assets (ROA) | 1.0066% | 2,413 |
| Pretax return on assets | 1.4975% | 1,694 |
| Return on Equity (ROE) | 7.6046% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.6046% | 961 |
| Net charge-offs to loans | 0.5263% | 2,260 |
| Credit loss provision to net charge-offs | 73.7931% | 6,014 |
| Earnings coverage of net charge-offs (x) | 4.9241% | 3,811 |
| Efficiency ratio | 67.1422% | 4,885 |
| Assets per employee ($millions) | 3.4692% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5918% | 2,285 |
| Loan loss allowance to noncurrent loans | 29.1875% | 6,750 |
| Noncurrent assets plus other real estate owned to assets | 4.3863% | 878 |
| Noncurrent loans to loans | 5.4537% | 756 |
| Net loans and leases to total assets | 69.3514% | 4,179 |
| Net loans and leases to deposits | 80.9823% | 4,874 |
| Net loans and leases to core deposits | 90.3094% | 5,779 |
| Total domestic deposits to total assets | 85.6378% | 2,572 |
| Equity capital to assets | 13.3870% | 1,636 |
| Core capital (leverage) ratio | 12.7085% | 1,663 |
| Tier 1 risk-based capital ratio | 20.8367% | 1,474 |
| Total risk-based capital ratio | 22.0920% | 1,449 |
| Memoranda: | ||
| Average total assets | $40,533,600 | 7,188 |
| Average earning assets | $37,666,600 | 7,165 |
| Average equity | $5,365,200 | 7,026 |
| Average total loans | $27,550,000 | 6,872 |