Home > Colorado Capital Bank > Performance and Condition Ratios
Colorado Capital 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 | 3.2310% | 7,272 |
| Cost of funding earning assets | 1.1637% | 2,818 |
| Net interest margin | 2.0673% | 7,352 |
| Noninterest income to average assets | 0.3897% | 4,760 |
| Noninterest expense to average assets | 3.5954% | 1,751 |
| Loan and lease loss provision to assets | 2.9089% | 162 |
| Net operating income to assets | -4.1136% | 7,398 |
| Return on assets (ROA) | -4.1136% | 7,403 |
| Pretax return on assets | -4.1261% | 7,399 |
| Return on Equity (ROE) | -218.5230% | 7,490 |
| Retained earnings to average equity (ytd only) | -218.5230% | 7,490 |
| Net charge-offs to loans | 9.7214% | 21 |
| Credit loss provision to net charge-offs | 38.1134% | 4,850 |
| Earnings coverage of net charge-offs (x) | -0.1595% | 5,382 |
| Efficiency ratio | 151.1830% | 147 |
| Assets per employee ($millions) | 10.5683% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7269% | 121 |
| Loan loss allowance to noncurrent loans | 13.5868% | 6,892 |
| Noncurrent assets plus other real estate owned to assets | 36.5269% | 3 |
| Noncurrent loans to loans | 42.1509% | 4 |
| Net loans and leases to total assets | 76.9582% | 922 |
| Net loans and leases to deposits | 80.6660% | 2,670 |
| Net loans and leases to core deposits | 86.6547% | 2,801 |
| Total domestic deposits to total assets | 95.4035% | 40 |
| Equity capital to assets | 0.8786% | 7,498 |
| Core capital (leverage) ratio | 0.7535% | 7,498 |
| Tier 1 risk-based capital ratio | 1.0383% | 7,498 |
| Total risk-based capital ratio | 2.0765% | 7,498 |
| Memoranda: | ||
| Average total assets | $764,201,000 | 879 |
| Average earning assets | $735,065,670 | 822 |
| Average equity | $14,385,670 | 4,042 |
| Average total loans | $599,978,000 | 717 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4820% | 7,219 |
| Cost of funding earning assets | 1.2029% | 2,797 |
| Net interest margin | 2.2790% | 7,321 |
| Noninterest income to average assets | 0.6295% | 2,966 |
| Noninterest expense to average assets | 3.3194% | 2,498 |
| Loan and lease loss provision to assets | 2.3236% | 227 |
| Net operating income to assets | -2.7917% | 7,378 |
| Return on assets (ROA) | -2.7917% | 7,377 |
| Pretax return on assets | -2.8129% | 7,356 |
| Return on Equity (ROE) | -121.7359% | 7,509 |
| Retained earnings to average equity (ytd only) | -121.7359% | 7,504 |
| Net charge-offs to loans | 16.0730% | 10 |
| Credit loss provision to net charge-offs | 18.7181% | 4,266 |
| Earnings coverage of net charge-offs (x) | -0.0394% | 4,610 |
| Efficiency ratio | 117.2893% | 378 |
| Assets per employee ($millions) | 5.5196% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7864% | 229 |
| Loan loss allowance to noncurrent loans | 16.2459% | 6,888 |
| Noncurrent assets plus other real estate owned to assets | 25.7664% | 22 |
| Noncurrent loans to loans | 29.4623% | 14 |
| Net loans and leases to total assets | 79.4454% | 572 |
| Net loans and leases to deposits | 84.7350% | 1,924 |
| Net loans and leases to core deposits | 95.1406% | 1,754 |
| Total domestic deposits to total assets | 93.7575% | 88 |
| Equity capital to assets | 2.2043% | 7,521 |
| Core capital (leverage) ratio | 1.9019% | 7,538 |
| Tier 1 risk-based capital ratio | 2.7119% | 7,533 |
| Total risk-based capital ratio | 4.0088% | 7,534 |
| Memoranda: | ||
| Average total assets | $813,398,500 | 830 |
| Average earning assets | $785,416,500 | 769 |
| Average equity | $18,653,500 | 3,303 |
| Average total loans | $628,207,500 | 686 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 5,589 |
| Cost of funding earning assets | 1.3208% | 3,751 |
| Net interest margin | 3.4374% | 5,484 |
| Noninterest income to average assets | 0.6342% | 3,253 |
| Noninterest expense to average assets | 4.0754% | 1,057 |
| Loan and lease loss provision to assets | 5.3526% | 62 |
| Net operating income to assets | -5.4121% | 7,564 |
| Return on assets (ROA) | -5.4121% | 7,568 |
| Pretax return on assets | -5.4915% | 7,561 |
| Return on Equity (ROE) | -83.8869% | 7,561 |
| Retained earnings to average equity (ytd only) | -83.8869% | 7,559 |
| Net charge-offs to loans | 2.4089% | 785 |
| Credit loss provision to net charge-offs | 278.6720% | 972 |
| Earnings coverage of net charge-offs (x) | -0.0723% | 6,193 |
| Efficiency ratio | 103.5290% | 686 |
| Assets per employee ($millions) | 5.5106% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4766% | 50 |
| Loan loss allowance to noncurrent loans | 47.6349% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 12.3085% | 261 |
| Noncurrent loans to loans | 15.6957% | 139 |
| Net loans and leases to total assets | 66.9262% | 3,240 |
| Net loans and leases to deposits | 71.0375% | 4,677 |
| Net loans and leases to core deposits | 110.7716% | 879 |
| Total domestic deposits to total assets | 94.2125% | 78 |
| Equity capital to assets | 2.3635% | 7,597 |
| Core capital (leverage) ratio | 2.2910% | 7,591 |
| Tier 1 risk-based capital ratio | 3.5036% | 7,586 |
| Total risk-based capital ratio | 4.8391% | 7,587 |
| Memoranda: | ||
| Average total assets | $887,566,000 | 760 |
| Average earning assets | $852,684,400 | 711 |
| Average equity | $57,262,800 | 1,159 |
| Average total loans | $707,715,800 | 615 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0455% | 4,605 |
| Cost of funding earning assets | 1.3478% | 3,912 |
| Net interest margin | 3.6977% | 4,406 |
| Noninterest income to average assets | 0.5718% | 3,638 |
| Noninterest expense to average assets | 3.5497% | 1,908 |
| Loan and lease loss provision to assets | 2.7417% | 352 |
| Net operating income to assets | -2.0241% | 7,247 |
| Return on assets (ROA) | -2.0241% | 7,263 |
| Pretax return on assets | -2.1751% | 7,241 |
| Return on Equity (ROE) | -26.9697% | 7,341 |
| Retained earnings to average equity (ytd only) | -26.9697% | 7,333 |
| Net charge-offs to loans | 1.2537% | 1,623 |
| Credit loss provision to net charge-offs | 267.8677% | 1,229 |
| Earnings coverage of net charge-offs (x) | 0.5536% | 5,471 |
| Efficiency ratio | 86.2346% | 1,608 |
| Assets per employee ($millions) | 5.5708% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3437% | 273 |
| Loan loss allowance to noncurrent loans | 66.4062% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 5.8736% | 1,027 |
| Noncurrent loans to loans | 6.5411% | 912 |
| Net loans and leases to total assets | 72.0712% | 2,236 |
| Net loans and leases to deposits | 79.2794% | 3,583 |
| Net loans and leases to core deposits | 146.1085% | 211 |
| Total domestic deposits to total assets | 90.9078% | 482 |
| Equity capital to assets | 6.1747% | 7,468 |
| Core capital (leverage) ratio | 6.1706% | 7,411 |
| Tier 1 risk-based capital ratio | 8.3539% | 7,446 |
| Total risk-based capital ratio | 9.6439% | 7,450 |
| Memoranda: | ||
| Average total assets | $882,144,750 | 766 |
| Average earning assets | $845,617,250 | 717 |
| Average equity | $66,206,000 | 1,013 |
| Average total loans | $720,219,500 | 606 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2474% | 3,726 |
| Cost of funding earning assets | 1.3773% | 4,019 |
| Net interest margin | 3.8701% | 3,588 |
| Noninterest income to average assets | 0.5675% | 3,568 |
| Noninterest expense to average assets | 3.7839% | 1,389 |
| Loan and lease loss provision to assets | 0.5748% | 2,472 |
| Net operating income to assets | -0.0522% | 6,155 |
| Return on assets (ROA) | -0.0522% | 6,248 |
| Pretax return on assets | -0.0846% | 6,231 |
| Return on Equity (ROE) | -0.6546% | 6,282 |
| Retained earnings to average equity (ytd only) | -0.6546% | 5,891 |
| Net charge-offs to loans | 0.5782% | 2,805 |
| Credit loss provision to net charge-offs | 118.5396% | 3,426 |
| Earnings coverage of net charge-offs (x) | 1.0109% | 4,777 |
| Efficiency ratio | 88.5302% | 1,457 |
| Assets per employee ($millions) | 5.2884% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6377% | 1,152 |
| Loan loss allowance to noncurrent loans | 80.7754% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 3.5856% | 1,959 |
| Noncurrent loans to loans | 3.2655% | 2,459 |
| Net loans and leases to total assets | 80.3310% | 751 |
| Net loans and leases to deposits | 90.1298% | 1,835 |
| Net loans and leases to core deposits | 211.9986% | 82 |
| Total domestic deposits to total assets | 89.1282% | 1,364 |
| Equity capital to assets | 7.9249% | 6,832 |
| Core capital (leverage) ratio | 7.8881% | 6,396 |
| Tier 1 risk-based capital ratio | 9.7834% | 7,146 |
| Total risk-based capital ratio | 11.0514% | 7,116 |
| Memoranda: | ||
| Average total assets | $869,798,670 | 774 |
| Average earning assets | $833,056,330 | 721 |
| Average equity | $69,355,670 | 960 |
| Average total loans | $729,443,330 | 598 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3626% | 3,233 |
| Cost of funding earning assets | 1.4104% | 4,112 |
| Net interest margin | 3.9523% | 3,089 |
| Noninterest income to average assets | 0.5188% | 3,901 |
| Noninterest expense to average assets | 3.9008% | 1,165 |
| Loan and lease loss provision to assets | 0.2310% | 4,196 |
| Net operating income to assets | 0.2975% | 5,311 |
| Return on assets (ROA) | 0.2975% | 5,441 |
| Pretax return on assets | 0.1649% | 5,983 |
| Return on Equity (ROE) | 3.7200% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.7200% | 3,922 |
| Net charge-offs to loans | 0.7628% | 1,983 |
| Credit loss provision to net charge-offs | 35.8166% | 4,722 |
| Earnings coverage of net charge-offs (x) | 0.6139% | 4,478 |
| Efficiency ratio | 90.7849% | 1,372 |
| Assets per employee ($millions) | 5.1644% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4369% | 1,380 |
| Loan loss allowance to noncurrent loans | 144.8147% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 2.1328% | 3,344 |
| Noncurrent loans to loans | 1.6828% | 4,225 |
| Net loans and leases to total assets | 80.7765% | 741 |
| Net loans and leases to deposits | 90.5053% | 1,829 |
| Net loans and leases to core deposits | 306.9519% | 55 |
| Total domestic deposits to total assets | 89.2506% | 1,397 |
| Equity capital to assets | 7.9572% | 6,702 |
| Core capital (leverage) ratio | 8.0616% | 6,144 |
| Tier 1 risk-based capital ratio | 9.7742% | 7,164 |
| Total risk-based capital ratio | 11.0396% | 7,158 |
| Memoranda: | ||
| Average total assets | $865,761,000 | 794 |
| Average earning assets | $827,579,000 | 747 |
| Average equity | $69,248,000 | 966 |
| Average total loans | $732,010,000 | 615 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0517% | 1,668 |
| Cost of funding earning assets | 1.6817% | 4,605 |
| Net interest margin | 4.3700% | 1,517 |
| Noninterest income to average assets | 0.7054% | 2,932 |
| Noninterest expense to average assets | 3.6583% | 2,009 |
| Loan and lease loss provision to assets | 2.7944% | 657 |
| Net operating income to assets | -1.8074% | 7,014 |
| Return on assets (ROA) | -1.8074% | 7,009 |
| Pretax return on assets | -1.5771% | 6,741 |
| Return on Equity (ROE) | -19.2412% | 7,119 |
| Retained earnings to average equity (ytd only) | -20.8975% | 7,136 |
| Net charge-offs to loans | 1.5172% | 1,653 |
| Credit loss provision to net charge-offs | 204.5375% | 1,891 |
| Earnings coverage of net charge-offs (x) | 0.8910% | 5,219 |
| Efficiency ratio | 69.5336% | 4,726 |
| Assets per employee ($millions) | 5.0202% | 2,190 |
| Cash dividends to net income (ytd only)* | -8.6081% | 7,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5536% | 1,166 |
| Loan loss allowance to noncurrent loans | 171.6094% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 2.0998% | 3,277 |
| Noncurrent loans to loans | 1.4880% | 4,435 |
| Net loans and leases to total assets | 84.1741% | 411 |
| Net loans and leases to deposits | 93.7375% | 1,633 |
| Net loans and leases to core deposits | 141.2934% | 761 |
| Total domestic deposits to total assets | 89.7977% | 1,059 |
| Equity capital to assets | 8.0416% | 6,535 |
| Core capital (leverage) ratio | 8.0182% | 6,153 |
| Tier 1 risk-based capital ratio | 9.4627% | 7,252 |
| Total risk-based capital ratio | 10.7295% | 7,212 |
| Memoranda: | ||
| Average total assets | $835,585,400 | 811 |
| Average earning assets | $797,395,200 | 763 |
| Average equity | $78,488,000 | 822 |
| Average total loans | $752,437,200 | 610 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1416% | 1,516 |
| Cost of funding earning assets | 1.7478% | 4,648 |
| Net interest margin | 4.3938% | 1,458 |
| Noninterest income to average assets | 0.6953% | 3,046 |
| Noninterest expense to average assets | 3.5616% | 2,116 |
| Loan and lease loss provision to assets | 0.9050% | 2,125 |
| Net operating income to assets | 0.3522% | 4,590 |
| Return on assets (ROA) | 0.3522% | 4,687 |
| Pretax return on assets | 0.4259% | 4,726 |
| Return on Equity (ROE) | 3.6173% | 4,530 |
| Retained earnings to average equity (ytd only) | 1.4788% | 4,485 |
| Net charge-offs to loans | 0.6310% | 2,791 |
| Credit loss provision to net charge-offs | 157.6451% | 3,023 |
| Earnings coverage of net charge-offs (x) | 2.3184% | 4,089 |
| Efficiency ratio | 72.7770% | 4,086 |
| Assets per employee ($millions) | 4.7863% | 2,417 |
| Cash dividends to net income (ytd only)* | 59.1177% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 5,231 |
| Loan loss allowance to noncurrent loans | 51.5531% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 2.9034% | 2,387 |
| Noncurrent loans to loans | 2.2873% | 3,280 |
| Net loans and leases to total assets | 89.5321% | 134 |
| Net loans and leases to deposits | 113.8832% | 332 |
| Net loans and leases to core deposits | 241.4961% | 54 |
| Total domestic deposits to total assets | 78.6175% | 5,925 |
| Equity capital to assets | 9.8732% | 4,241 |
| Core capital (leverage) ratio | 9.2933% | 4,199 |
| Tier 1 risk-based capital ratio | 10.3346% | 6,641 |
| Total risk-based capital ratio | 11.5291% | 6,650 |
| Memoranda: | ||
| Average total assets | $832,380,250 | 821 |
| Average earning assets | $795,128,750 | 777 |
| Average equity | $81,053,750 | 806 |
| Average total loans | $757,333,500 | 618 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1637% | 1,581 |
| Cost of funding earning assets | 1.8240% | 4,642 |
| Net interest margin | 4.3396% | 1,549 |
| Noninterest income to average assets | 0.6951% | 3,018 |
| Noninterest expense to average assets | 3.5561% | 2,173 |
| Loan and lease loss provision to assets | 0.9472% | 1,784 |
| Net operating income to assets | 0.2826% | 4,976 |
| Return on assets (ROA) | 0.2826% | 5,075 |
| Pretax return on assets | 0.3473% | 5,076 |
| Return on Equity (ROE) | 2.9151% | 4,936 |
| Retained earnings to average equity (ytd only) | 1.1829% | 4,685 |
| Net charge-offs to loans | 0.4947% | 2,850 |
| Credit loss provision to net charge-offs | 210.1650% | 2,181 |
| Earnings coverage of net charge-offs (x) | 2.8723% | 3,664 |
| Efficiency ratio | 73.2928% | 4,140 |
| Assets per employee ($millions) | 4.9378% | 2,156 |
| Cash dividends to net income (ytd only)* | 59.4228% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 5,183 |
| Loan loss allowance to noncurrent loans | 57.1595% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 2.4080% | 2,691 |
| Noncurrent loans to loans | 2.0322% | 3,473 |
| Net loans and leases to total assets | 89.7103% | 151 |
| Net loans and leases to deposits | 116.3131% | 319 |
| Net loans and leases to core deposits | 258.1792% | 54 |
| Total domestic deposits to total assets | 77.1283% | 6,290 |
| Equity capital to assets | 9.6299% | 4,458 |
| Core capital (leverage) ratio | 9.1608% | 4,363 |
| Tier 1 risk-based capital ratio | 10.1847% | 6,731 |
| Total risk-based capital ratio | 11.3716% | 6,728 |
| Memoranda: | ||
| Average total assets | $833,830,670 | 844 |
| Average earning assets | $798,453,000 | 798 |
| Average equity | $80,820,670 | 813 |
| Average total loans | $759,712,000 | 636 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2049% | 1,587 |
| Cost of funding earning assets | 1.9298% | 4,490 |
| Net interest margin | 4.2751% | 1,661 |
| Noninterest income to average assets | 0.6354% | 3,309 |
| Noninterest expense to average assets | 3.2904% | 2,685 |
| Loan and lease loss provision to assets | 0.6739% | 1,875 |
| Net operating income to assets | 0.5882% | 4,065 |
| Return on assets (ROA) | 0.5882% | 4,258 |
| Pretax return on assets | 0.7807% | 4,149 |
| Return on Equity (ROE) | 6.0485% | 4,016 |
| Retained earnings to average equity (ytd only) | 4.8111% | 3,227 |
| Net charge-offs to loans | 0.5874% | 2,001 |
| Credit loss provision to net charge-offs | 125.6732% | 3,163 |
| Earnings coverage of net charge-offs (x) | 2.7127% | 3,403 |
| Efficiency ratio | 69.3244% | 4,715 |
| Assets per employee ($millions) | 4.9501% | 2,118 |
| Cash dividends to net income (ytd only)* | 20.4583% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 6,613 |
| Loan loss allowance to noncurrent loans | 56.5551% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 1.6385% | 3,450 |
| Noncurrent loans to loans | 1.6420% | 3,809 |
| Net loans and leases to total assets | 90.1113% | 131 |
| Net loans and leases to deposits | 117.2445% | 352 |
| Net loans and leases to core deposits | 248.8688% | 65 |
| Total domestic deposits to total assets | 76.8576% | 6,314 |
| Equity capital to assets | 9.7346% | 4,326 |
| Core capital (leverage) ratio | 9.3267% | 4,203 |
| Tier 1 risk-based capital ratio | 10.2850% | 6,605 |
| Total risk-based capital ratio | 11.2276% | 6,853 |
| Memoranda: | ||
| Average total assets | $831,033,000 | 848 |
| Average earning assets | $798,851,000 | 799 |
| Average equity | $80,813,000 | 815 |
| Average total loans | $758,617,000 | 646 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9943% | 1,148 |
| Cost of funding earning assets | 2.8394% | 2,531 |
| Net interest margin | 4.1549% | 2,482 |
| Noninterest income to average assets | 0.6165% | 3,731 |
| Noninterest expense to average assets | 3.6450% | 2,053 |
| Loan and lease loss provision to assets | 0.3222% | 3,798 |
| Net operating income to assets | 0.4535% | 4,937 |
| Return on assets (ROA) | 0.4535% | 4,766 |
| Pretax return on assets | 0.6301% | 4,601 |
| Return on Equity (ROE) | 4.9131% | 4,424 |
| Retained earnings to average equity (ytd only) | 4.9131% | 2,077 |
| Net charge-offs to loans | 0.0620% | 5,889 |
| Credit loss provision to net charge-offs | 573.9953% | 760 |
| Earnings coverage of net charge-offs (x) | 16.9645% | 1,805 |
| Efficiency ratio | 79.2610% | 2,714 |
| Assets per employee ($millions) | 5.1593% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8963% | 6,696 |
| Loan loss allowance to noncurrent loans | 106.9749% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.7800% | 4,895 |
| Noncurrent loans to loans | 0.8379% | 4,958 |
| Net loans and leases to total assets | 90.7993% | 142 |
| Net loans and leases to deposits | 115.4927% | 546 |
| Net loans and leases to core deposits | 233.5898% | 84 |
| Total domestic deposits to total assets | 78.6191% | 5,510 |
| Equity capital to assets | 9.7141% | 4,404 |
| Core capital (leverage) ratio | 9.3734% | 4,203 |
| Tier 1 risk-based capital ratio | 10.2250% | 6,496 |
| Total risk-based capital ratio | 11.1347% | 6,749 |
| Memoranda: | ||
| Average total assets | $753,479,200 | 892 |
| Average earning assets | $721,912,400 | 846 |
| Average equity | $69,549,000 | 961 |
| Average total loans | $681,952,600 | 699 |