Home > Citizens State Bank of Shipman > Performance and Condition Ratios
Citizens State Bank of Shipman, 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 | 5.0382% | 2,977 |
| Cost of funding earning assets | 1.3774% | 1,513 |
| Net interest margin | 3.6608% | 4,469 |
| Noninterest income to average assets | 0.3588% | 5,017 |
| Noninterest expense to average assets | 2.3220% | 6,062 |
| Loan and lease loss provision to assets | 0.1659% | 4,276 |
| Net operating income to assets | 0.6318% | 3,904 |
| Return on assets (ROA) | 0.6702% | 3,808 |
| Pretax return on assets | 0.9478% | 3,439 |
| Return on Equity (ROE) | 8.2073% | 2,856 |
| Retained earnings to average equity (ytd only) | 8.2073% | 1,381 |
| Net charge-offs to loans | 0.0640% | 4,999 |
| Credit loss provision to net charge-offs | 544.4444% | 565 |
| Earnings coverage of net charge-offs (x) | 34.7778% | 826 |
| Efficiency ratio | 68.6687% | 4,398 |
| Assets per employee ($millions) | 4.0347% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 5,510 |
| Loan loss allowance to noncurrent loans | 55.5743% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 2.6851% | 2,492 |
| Noncurrent loans to loans | 2.1731% | 3,252 |
| Net loans and leases to total assets | 44.4696% | 6,394 |
| Net loans and leases to deposits | 52.3936% | 6,434 |
| Net loans and leases to core deposits | 53.5753% | 6,588 |
| Total domestic deposits to total assets | 84.8761% | 3,932 |
| Equity capital to assets | 8.2518% | 6,468 |
| Core capital (leverage) ratio | 6.1657% | 7,173 |
| Tier 1 risk-based capital ratio | 10.3233% | 6,860 |
| Total risk-based capital ratio | 11.2450% | 6,976 |
| Memoranda: | ||
| Average total assets | $59,086,330 | 6,168 |
| Average earning assets | $48,787,000 | 6,345 |
| Average equity | $4,825,000 | 6,587 |
| Average total loans | $28,103,330 | 6,363 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0434% | 2,890 |
| Cost of funding earning assets | 1.4809% | 1,253 |
| Net interest margin | 3.5626% | 4,761 |
| Noninterest income to average assets | 0.4043% | 4,667 |
| Noninterest expense to average assets | 2.3094% | 6,164 |
| Loan and lease loss provision to assets | 0.3358% | 2,546 |
| Net operating income to assets | 0.4797% | 4,576 |
| Return on assets (ROA) | 0.4797% | 4,655 |
| Pretax return on assets | 0.6442% | 4,515 |
| Return on Equity (ROE) | 5.9065% | 3,961 |
| Retained earnings to average equity (ytd only) | 5.9065% | 2,698 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2083% | 4,217 |
| Assets per employee ($millions) | 3.7774% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 5,569 |
| Loan loss allowance to noncurrent loans | 52.8125% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 2.7681% | 2,495 |
| Noncurrent loans to loans | 2.2971% | 3,199 |
| Net loans and leases to total assets | 45.5392% | 6,329 |
| Net loans and leases to deposits | 53.5415% | 6,339 |
| Net loans and leases to core deposits | 54.7449% | 6,510 |
| Total domestic deposits to total assets | 85.0541% | 4,005 |
| Equity capital to assets | 7.8957% | 6,600 |
| Core capital (leverage) ratio | 6.0962% | 7,235 |
| Tier 1 risk-based capital ratio | 9.6466% | 7,112 |
| Total risk-based capital ratio | 10.5660% | 7,187 |
| Memoranda: | ||
| Average total assets | $58,369,500 | 6,244 |
| Average earning assets | $47,269,500 | 6,439 |
| Average equity | $4,740,500 | 6,636 |
| Average total loans | $28,534,000 | 6,392 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3926% | 2,703 |
| Cost of funding earning assets | 1.6760% | 1,704 |
| Net interest margin | 3.7165% | 4,282 |
| Noninterest income to average assets | 0.5878% | 3,551 |
| Noninterest expense to average assets | 2.8267% | 4,490 |
| Loan and lease loss provision to assets | 0.9559% | 1,704 |
| Net operating income to assets | 0.1001% | 5,589 |
| Return on assets (ROA) | 0.1001% | 5,729 |
| Pretax return on assets | -0.0608% | 5,964 |
| Return on Equity (ROE) | 1.1154% | 5,663 |
| Retained earnings to average equity (ytd only) | -6.8515% | 6,450 |
| Net charge-offs to loans | 1.8217% | 1,156 |
| Credit loss provision to net charge-offs | 99.0741% | 4,670 |
| Earnings coverage of net charge-offs (x) | 0.9278% | 5,181 |
| Efficiency ratio | 75.9482% | 3,063 |
| Assets per employee ($millions) | 3.5188% | 4,893 |
| Cash dividends to net income (ytd only)* | 714.2857% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 6,428 |
| Loan loss allowance to noncurrent loans | 45.1563% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 2.9715% | 2,370 |
| Noncurrent loans to loans | 2.1913% | 3,326 |
| Net loans and leases to total assets | 51.3632% | 6,007 |
| Net loans and leases to deposits | 61.5277% | 5,894 |
| Net loans and leases to core deposits | 63.0379% | 6,148 |
| Total domestic deposits to total assets | 83.4799% | 4,616 |
| Equity capital to assets | 8.3640% | 6,053 |
| Core capital (leverage) ratio | 6.3188% | 7,240 |
| Tier 1 risk-based capital ratio | 9.3824% | 7,167 |
| Total risk-based capital ratio | 10.1598% | 7,266 |
| Memoranda: | ||
| Average total assets | $55,966,800 | 6,343 |
| Average earning assets | $47,194,400 | 6,469 |
| Average equity | $5,020,800 | 6,660 |
| Average total loans | $29,643,400 | 6,412 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3723% | 3,015 |
| Cost of funding earning assets | 1.7050% | 1,853 |
| Net interest margin | 3.6672% | 4,559 |
| Noninterest income to average assets | 0.5559% | 3,746 |
| Noninterest expense to average assets | 2.9036% | 4,077 |
| Loan and lease loss provision to assets | 0.5440% | 2,774 |
| Net operating income to assets | 0.2386% | 5,397 |
| Return on assets (ROA) | 0.2386% | 5,559 |
| Pretax return on assets | 0.2386% | 5,645 |
| Return on Equity (ROE) | 2.6150% | 5,383 |
| Retained earnings to average equity (ytd only) | -7.8449% | 6,762 |
| Net charge-offs to loans | 0.0448% | 6,091 |
| Credit loss provision to net charge-offs | 2,280.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 32.8072% | 818 |
| Efficiency ratio | 78.7702% | 2,520 |
| Assets per employee ($millions) | 3.4706% | 5,057 |
| Cash dividends to net income (ytd only)* | 400.0000% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6950% | 3,167 |
| Loan loss allowance to noncurrent loans | 45.3901% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 3.8916% | 1,816 |
| Noncurrent loans to loans | 3.7342% | 2,076 |
| Net loans and leases to total assets | 53.4756% | 5,923 |
| Net loans and leases to deposits | 63.5581% | 5,965 |
| Net loans and leases to core deposits | 64.7712% | 6,234 |
| Total domestic deposits to total assets | 84.1365% | 4,043 |
| Equity capital to assets | 8.8061% | 5,855 |
| Core capital (leverage) ratio | 6.3857% | 7,362 |
| Tier 1 risk-based capital ratio | 9.2157% | 7,323 |
| Total risk-based capital ratio | 10.4319% | 7,343 |
| Memoranda: | ||
| Average total assets | $55,883,250 | 6,418 |
| Average earning assets | $47,700,500 | 6,522 |
| Average equity | $5,098,750 | 6,718 |
| Average total loans | $29,752,500 | 6,492 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4823% | 2,606 |
| Cost of funding earning assets | 1.7381% | 1,928 |
| Net interest margin | 3.7442% | 4,165 |
| Noninterest income to average assets | 0.4607% | 4,429 |
| Noninterest expense to average assets | 2.8178% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6143% | 3,816 |
| Return on assets (ROA) | 0.6143% | 3,953 |
| Pretax return on assets | 0.8357% | 3,757 |
| Return on Equity (ROE) | 6.6559% | 3,463 |
| Retained earnings to average equity (ytd only) | 2.7862% | 4,363 |
| Net charge-offs to loans | -0.0473% | 7,440 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1261% | 2,877 |
| Assets per employee ($millions) | 3.5190% | 4,873 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 6,575 |
| Loan loss allowance to noncurrent loans | 196.5517% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 2.0922% | 3,387 |
| Noncurrent loans to loans | 0.4867% | 6,272 |
| Net loans and leases to total assets | 52.4119% | 6,169 |
| Net loans and leases to deposits | 62.8447% | 6,151 |
| Net loans and leases to core deposits | 64.7376% | 6,338 |
| Total domestic deposits to total assets | 83.3990% | 4,390 |
| Equity capital to assets | 9.2871% | 5,021 |
| Core capital (leverage) ratio | 7.1000% | 7,130 |
| Tier 1 risk-based capital ratio | 10.2427% | 6,886 |
| Total risk-based capital ratio | 10.9957% | 7,151 |
| Memoranda: | ||
| Average total assets | $56,001,000 | 6,454 |
| Average earning assets | $47,754,000 | 6,557 |
| Average equity | $5,168,330 | 6,719 |
| Average total loans | $29,601,000 | 6,549 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4673% | 2,746 |
| Cost of funding earning assets | 1.7634% | 2,049 |
| Net interest margin | 3.7039% | 4,223 |
| Noninterest income to average assets | 0.3151% | 5,632 |
| Noninterest expense to average assets | 2.8290% | 4,373 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4584% | 4,581 |
| Return on assets (ROA) | 0.4584% | 4,704 |
| Pretax return on assets | 0.6303% | 4,491 |
| Return on Equity (ROE) | 4.9825% | 4,376 |
| Retained earnings to average equity (ytd only) | 3.0362% | 4,317 |
| Net charge-offs to loans | -0.0813% | 7,477 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7805% | 2,297 |
| Assets per employee ($millions) | 3.2801% | 5,584 |
| Cash dividends to net income (ytd only)* | 39.0625% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 6,405 |
| Loan loss allowance to noncurrent loans | 256.4103% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 2.0624% | 3,430 |
| Noncurrent loans to loans | 0.3943% | 6,492 |
| Net loans and leases to total assets | 52.6748% | 6,200 |
| Net loans and leases to deposits | 63.1778% | 6,151 |
| Net loans and leases to core deposits | 65.0961% | 6,362 |
| Total domestic deposits to total assets | 83.3755% | 4,439 |
| Equity capital to assets | 9.2269% | 4,954 |
| Core capital (leverage) ratio | 7.0521% | 7,216 |
| Tier 1 risk-based capital ratio | 10.1719% | 6,906 |
| Total risk-based capital ratio | 10.9604% | 7,197 |
| Memoranda: | ||
| Average total assets | $55,849,500 | 6,539 |
| Average earning assets | $47,409,500 | 6,651 |
| Average equity | $5,138,000 | 6,808 |
| Average total loans | $29,504,000 | 6,631 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8177% | 2,587 |
| Cost of funding earning assets | 2.2590% | 1,807 |
| Net interest margin | 3.5586% | 4,701 |
| Noninterest income to average assets | 0.8087% | 2,364 |
| Noninterest expense to average assets | 2.6708% | 5,515 |
| Loan and lease loss provision to assets | 0.0747% | 6,840 |
| Net operating income to assets | 0.9357% | 2,068 |
| Return on assets (ROA) | 0.8965% | 2,256 |
| Pretax return on assets | 1.0646% | 2,359 |
| Return on Equity (ROE) | 9.3498% | 1,905 |
| Retained earnings to average equity (ytd only) | -19.4787% | 7,091 |
| Net charge-offs to loans | 0.0777% | 6,334 |
| Credit loss provision to net charge-offs | 181.8182% | 2,269 |
| Earnings coverage of net charge-offs (x) | 28.8636% | 793 |
| Efficiency ratio | 69.2494% | 4,777 |
| Assets per employee ($millions) | 3.2905% | 5,513 |
| Cash dividends to net income (ytd only)* | 308.3333% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 6,369 |
| Loan loss allowance to noncurrent loans | 277.3585% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 2.0362% | 3,354 |
| Noncurrent loans to loans | 0.3613% | 6,553 |
| Net loans and leases to total assets | 51.9182% | 6,431 |
| Net loans and leases to deposits | 61.8968% | 6,481 |
| Net loans and leases to core deposits | 70.3230% | 6,748 |
| Total domestic deposits to total assets | 83.8786% | 4,082 |
| Equity capital to assets | 9.1727% | 4,884 |
| Core capital (leverage) ratio | 7.1479% | 7,114 |
| Tier 1 risk-based capital ratio | 10.1261% | 6,768 |
| Total risk-based capital ratio | 10.9032% | 7,100 |
| Memoranda: | ||
| Average total assets | $53,542,200 | 6,576 |
| Average earning assets | $45,860,200 | 6,685 |
| Average equity | $5,133,800 | 6,896 |
| Average total loans | $28,296,800 | 6,725 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8823% | 2,523 |
| Cost of funding earning assets | 2.3448% | 1,827 |
| Net interest margin | 3.5376% | 4,710 |
| Noninterest income to average assets | 0.8890% | 2,032 |
| Noninterest expense to average assets | 2.7098% | 5,278 |
| Loan and lease loss provision to assets | 0.1007% | 6,359 |
| Net operating income to assets | 0.9630% | 2,185 |
| Return on assets (ROA) | 0.9847% | 2,172 |
| Pretax return on assets | 1.1509% | 2,411 |
| Return on Equity (ROE) | 10.1533% | 1,863 |
| Retained earnings to average equity (ytd only) | -28.2785% | 7,557 |
| Net charge-offs to loans | 0.1665% | 5,053 |
| Credit loss provision to net charge-offs | 114.2857% | 4,440 |
| Earnings coverage of net charge-offs (x) | 13.9130% | 1,639 |
| Efficiency ratio | 68.8420% | 4,820 |
| Assets per employee ($millions) | 3.1555% | 5,768 |
| Cash dividends to net income (ytd only)* | 378.5161% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 6,388 |
| Loan loss allowance to noncurrent loans | 181.2903% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 2.0506% | 3,282 |
| Noncurrent loans to loans | 0.5425% | 6,224 |
| Net loans and leases to total assets | 52.7347% | 6,530 |
| Net loans and leases to deposits | 63.2750% | 6,564 |
| Net loans and leases to core deposits | 71.1422% | 6,903 |
| Total domestic deposits to total assets | 83.3420% | 4,044 |
| Equity capital to assets | 9.2480% | 5,095 |
| Core capital (leverage) ratio | 7.0778% | 7,375 |
| Tier 1 risk-based capital ratio | 10.2660% | 6,718 |
| Total risk-based capital ratio | 11.0395% | 7,109 |
| Memoranda: | ||
| Average total assets | $52,943,250 | 6,642 |
| Average earning assets | $45,604,250 | 6,754 |
| Average equity | $5,134,500 | 6,958 |
| Average total loans | $28,037,000 | 6,792 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8327% | 2,886 |
| Cost of funding earning assets | 2.3875% | 2,015 |
| Net interest margin | 3.4452% | 5,002 |
| Noninterest income to average assets | 1.0283% | 1,506 |
| Noninterest expense to average assets | 2.6257% | 5,635 |
| Loan and lease loss provision to assets | 0.1518% | 5,554 |
| Net operating income to assets | 1.0982% | 1,779 |
| Return on assets (ROA) | 1.1118% | 1,810 |
| Pretax return on assets | 1.2446% | 2,178 |
| Return on Equity (ROE) | 11.2859% | 1,616 |
| Retained earnings to average equity (ytd only) | -44.5657% | 7,868 |
| Net charge-offs to loans | 0.2728% | 3,831 |
| Credit loss provision to net charge-offs | 105.2632% | 4,367 |
| Earnings coverage of net charge-offs (x) | 9.5789% | 2,103 |
| Efficiency ratio | 65.5303% | 5,625 |
| Assets per employee ($millions) | 3.2095% | 5,565 |
| Cash dividends to net income (ytd only)* | 494.8805% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 6,547 |
| Loan loss allowance to noncurrent loans | 156.1798% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 2.0582% | 3,117 |
| Noncurrent loans to loans | 0.6092% | 6,044 |
| Net loans and leases to total assets | 53.0397% | 6,564 |
| Net loans and leases to deposits | 62.6575% | 6,692 |
| Net loans and leases to core deposits | 73.4586% | 6,819 |
| Total domestic deposits to total assets | 84.6502% | 3,422 |
| Equity capital to assets | 8.8396% | 5,537 |
| Core capital (leverage) ratio | 6.9635% | 7,567 |
| Tier 1 risk-based capital ratio | 9.9099% | 7,029 |
| Total risk-based capital ratio | 10.6598% | 7,433 |
| Memoranda: | ||
| Average total assets | $52,709,670 | 6,714 |
| Average earning assets | $45,570,330 | 6,814 |
| Average equity | $5,192,330 | 6,998 |
| Average total loans | $27,859,330 | 6,854 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8702% | 2,937 |
| Cost of funding earning assets | 2.4198% | 2,209 |
| Net interest margin | 3.4504% | 4,935 |
| Noninterest income to average assets | 1.1200% | 1,184 |
| Noninterest expense to average assets | 2.5182% | 5,771 |
| Loan and lease loss provision to assets | 0.1159% | 5,487 |
| Net operating income to assets | 1.2405% | 1,534 |
| Return on assets (ROA) | 1.2668% | 1,563 |
| Pretax return on assets | 1.4908% | 1,693 |
| Return on Equity (ROE) | 12.2001% | 1,599 |
| Retained earnings to average equity (ytd only) | -95.6667% | 8,146 |
| Net charge-offs to loans | 0.1913% | 3,489 |
| Credit loss provision to net charge-offs | 115.3846% | 3,375 |
| Earnings coverage of net charge-offs (x) | 15.6923% | 1,595 |
| Efficiency ratio | 61.5094% | 6,152 |
| Assets per employee ($millions) | 3.2810% | 5,373 |
| Cash dividends to net income (ytd only)* | 884.1463% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 6,015 |
| Loan loss allowance to noncurrent loans | 93.2886% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 2.4249% | 2,366 |
| Noncurrent loans to loans | 1.0959% | 4,795 |
| Net loans and leases to total assets | 51.2687% | 6,750 |
| Net loans and leases to deposits | 61.0627% | 6,808 |
| Net loans and leases to core deposits | 72.3164% | 6,900 |
| Total domestic deposits to total assets | 83.9607% | 3,729 |
| Equity capital to assets | 9.0674% | 5,273 |
| Core capital (leverage) ratio | 6.9516% | 7,664 |
| Tier 1 risk-based capital ratio | 9.8851% | 7,055 |
| Total risk-based capital ratio | 10.6605% | 7,457 |
| Memoranda: | ||
| Average total assets | $51,784,000 | 6,793 |
| Average earning assets | $44,632,000 | 6,892 |
| Average equity | $5,377,000 | 6,980 |
| Average total loans | $27,180,500 | 6,929 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3869% | 3,482 |
| Cost of funding earning assets | 2.6338% | 3,514 |
| Net interest margin | 3.7531% | 4,216 |
| Noninterest income to average assets | 0.8429% | 2,278 |
| Noninterest expense to average assets | 2.7182% | 5,186 |
| Loan and lease loss provision to assets | 0.4961% | 2,831 |
| Net operating income to assets | 0.6419% | 4,135 |
| Return on assets (ROA) | 0.6533% | 3,947 |
| Pretax return on assets | 0.9175% | 3,669 |
| Return on Equity (ROE) | 5.6260% | 4,107 |
| Retained earnings to average equity (ytd only) | 2.9345% | 3,349 |
| Net charge-offs to loans | 1.1834% | 1,023 |
| Credit loss provision to net charge-offs | 77.1160% | 5,957 |
| Earnings coverage of net charge-offs (x) | 2.1724% | 4,987 |
| Efficiency ratio | 66.0461% | 5,119 |
| Assets per employee ($millions) | 3.1920% | 5,504 |
| Cash dividends to net income (ytd only)* | 47.8395% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 5,881 |
| Loan loss allowance to noncurrent loans | 317.2414% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 2.0794% | 2,368 |
| Noncurrent loans to loans | 0.3202% | 6,413 |
| Net loans and leases to total assets | 52.6570% | 6,782 |
| Net loans and leases to deposits | 64.6420% | 6,740 |
| Net loans and leases to core deposits | 75.2673% | 6,901 |
| Total domestic deposits to total assets | 81.4595% | 4,427 |
| Equity capital to assets | 11.7364% | 2,478 |
| Core capital (leverage) ratio | 10.1703% | 3,301 |
| Tier 1 risk-based capital ratio | 13.7910% | 3,648 |
| Total risk-based capital ratio | 14.5789% | 3,815 |
| Memoranda: | ||
| Average total assets | $49,591,600 | 6,793 |
| Average earning assets | $43,244,800 | 6,887 |
| Average equity | $5,759,000 | 6,895 |
| Average total loans | $26,955,800 | 6,901 |