Home > Cornerstone Bank & Trust > Performance and Condition Ratios
Cornerstone Bank & Trust, 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 | 5.2321% | 2,133 |
| Cost of funding earning assets | 1.2262% | 2,404 |
| Net interest margin | 4.0059% | 2,807 |
| Noninterest income to average assets | 0.5882% | 3,206 |
| Noninterest expense to average assets | 3.0236% | 3,550 |
| Loan and lease loss provision to assets | 0.5082% | 1,926 |
| Net operating income to assets | 0.3439% | 5,199 |
| Return on assets (ROA) | 0.3481% | 5,313 |
| Pretax return on assets | 0.4646% | 5,181 |
| Return on Equity (ROE) | 3.0620% | 5,369 |
| Retained earnings to average equity (ytd only) | -1.2594% | 6,107 |
| Net charge-offs to loans | 0.2643% | 3,569 |
| Credit loss provision to net charge-offs | 278.4615% | 1,093 |
| Earnings coverage of net charge-offs (x) | 5.3000% | 2,644 |
| Efficiency ratio | 73.4787% | 3,469 |
| Assets per employee ($millions) | 2.6231% | 6,752 |
| Cash dividends to net income (ytd only)* | 141.1290% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 4,151 |
| Loan loss allowance to noncurrent loans | 58.8141% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 2.3096% | 2,850 |
| Noncurrent loans to loans | 2.5440% | 2,840 |
| Net loans and leases to total assets | 66.9894% | 2,821 |
| Net loans and leases to deposits | 77.9489% | 3,126 |
| Net loans and leases to core deposits | 80.2406% | 3,752 |
| Total domestic deposits to total assets | 85.9402% | 3,360 |
| Equity capital to assets | 11.2699% | 2,705 |
| Core capital (leverage) ratio | 8.6784% | 5,258 |
| Tier 1 risk-based capital ratio | 11.7105% | 5,999 |
| Total risk-based capital ratio | 12.9712% | 5,999 |
| Memoranda: | ||
| Average total assets | $142,477,000 | 3,985 |
| Average earning assets | $121,021,670 | 4,168 |
| Average equity | $16,198,330 | 3,696 |
| Average total loans | $98,368,330 | 3,734 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3161% | 1,816 |
| Cost of funding earning assets | 1.2575% | 2,456 |
| Net interest margin | 4.0586% | 2,441 |
| Noninterest income to average assets | 0.7233% | 2,428 |
| Noninterest expense to average assets | 3.1304% | 3,141 |
| Loan and lease loss provision to assets | 1.0227% | 740 |
| Net operating income to assets | 0.0141% | 6,321 |
| Return on assets (ROA) | 0.0141% | 6,357 |
| Pretax return on assets | -0.0650% | 6,417 |
| Return on Equity (ROE) | 0.1237% | 6,358 |
| Retained earnings to average equity (ytd only) | 0.1237% | 5,750 |
| Net charge-offs to loans | 0.4833% | 2,263 |
| Credit loss provision to net charge-offs | 304.2017% | 1,056 |
| Earnings coverage of net charge-offs (x) | 2.8487% | 2,944 |
| Efficiency ratio | 74.3607% | 3,455 |
| Assets per employee ($millions) | 2.6138% | 6,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 4,151 |
| Loan loss allowance to noncurrent loans | 62.2475% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 2.6788% | 2,562 |
| Noncurrent loans to loans | 2.4287% | 3,065 |
| Net loans and leases to total assets | 67.0230% | 2,751 |
| Net loans and leases to deposits | 77.8503% | 3,081 |
| Net loans and leases to core deposits | 81.0977% | 3,592 |
| Total domestic deposits to total assets | 86.0922% | 3,472 |
| Equity capital to assets | 11.2645% | 2,441 |
| Core capital (leverage) ratio | 8.9654% | 4,667 |
| Tier 1 risk-based capital ratio | 11.3209% | 6,234 |
| Total risk-based capital ratio | 12.5785% | 6,214 |
| Memoranda: | ||
| Average total assets | $141,581,000 | 4,032 |
| Average earning assets | $117,380,000 | 4,267 |
| Average equity | $16,168,000 | 3,697 |
| Average total loans | $98,496,000 | 3,758 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5386% | 2,129 |
| Cost of funding earning assets | 1.4587% | 2,898 |
| Net interest margin | 4.0799% | 2,658 |
| Noninterest income to average assets | 0.8359% | 2,117 |
| Noninterest expense to average assets | 3.0071% | 3,829 |
| Loan and lease loss provision to assets | 1.1569% | 1,366 |
| Net operating income to assets | 0.1587% | 5,410 |
| Return on assets (ROA) | 0.1616% | 5,560 |
| Pretax return on assets | 0.1397% | 5,622 |
| Return on Equity (ROE) | 1.4116% | 5,580 |
| Retained earnings to average equity (ytd only) | 1.4116% | 4,825 |
| Net charge-offs to loans | 1.2778% | 1,758 |
| Credit loss provision to net charge-offs | 122.5407% | 3,413 |
| Earnings coverage of net charge-offs (x) | 1.3703% | 4,739 |
| Efficiency ratio | 67.7096% | 4,624 |
| Assets per employee ($millions) | 2.5346% | 6,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 5,293 |
| Loan loss allowance to noncurrent loans | 61.2488% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 2.5265% | 2,740 |
| Noncurrent loans to loans | 2.0351% | 3,509 |
| Net loans and leases to total assets | 70.2463% | 2,483 |
| Net loans and leases to deposits | 83.0688% | 2,614 |
| Net loans and leases to core deposits | 86.7037% | 3,228 |
| Total domestic deposits to total assets | 84.5640% | 4,070 |
| Equity capital to assets | 11.5795% | 2,198 |
| Core capital (leverage) ratio | 8.4982% | 5,370 |
| Tier 1 risk-based capital ratio | 10.4206% | 6,748 |
| Total risk-based capital ratio | 11.5410% | 6,804 |
| Memoranda: | ||
| Average total assets | $136,745,200 | 4,124 |
| Average earning assets | $116,130,000 | 4,317 |
| Average equity | $15,656,400 | 3,829 |
| Average total loans | $101,034,800 | 3,763 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5561% | 2,230 |
| Cost of funding earning assets | 1.4858% | 3,062 |
| Net interest margin | 4.0703% | 2,759 |
| Noninterest income to average assets | 0.7828% | 2,315 |
| Noninterest expense to average assets | 3.0265% | 3,655 |
| Loan and lease loss provision to assets | 1.1610% | 1,246 |
| Net operating income to assets | 0.0696% | 5,838 |
| Return on assets (ROA) | 0.0735% | 5,976 |
| Pretax return on assets | 0.0725% | 5,965 |
| Return on Equity (ROE) | 0.6437% | 5,980 |
| Retained earnings to average equity (ytd only) | 0.6437% | 5,545 |
| Net charge-offs to loans | 0.7211% | 2,621 |
| Credit loss provision to net charge-offs | 215.8470% | 1,611 |
| Earnings coverage of net charge-offs (x) | 2.2860% | 4,023 |
| Efficiency ratio | 68.8766% | 4,291 |
| Assets per employee ($millions) | 2.7677% | 6,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5362% | 3,796 |
| Loan loss allowance to noncurrent loans | 42.7413% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 2.8504% | 2,545 |
| Noncurrent loans to loans | 3.5941% | 2,181 |
| Net loans and leases to total assets | 66.5701% | 3,553 |
| Net loans and leases to deposits | 77.5513% | 3,912 |
| Net loans and leases to core deposits | 80.1552% | 4,497 |
| Total domestic deposits to total assets | 85.8401% | 3,164 |
| Equity capital to assets | 10.6263% | 3,377 |
| Core capital (leverage) ratio | 8.7417% | 5,120 |
| Tier 1 risk-based capital ratio | 9.9935% | 7,075 |
| Total risk-based capital ratio | 11.2457% | 7,059 |
| Memoranda: | ||
| Average total assets | $136,081,250 | 4,189 |
| Average earning assets | $116,121,500 | 4,381 |
| Average equity | $15,535,000 | 3,895 |
| Average total loans | $101,503,500 | 3,815 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6487% | 1,947 |
| Cost of funding earning assets | 1.5498% | 2,961 |
| Net interest margin | 4.0989% | 2,561 |
| Noninterest income to average assets | 0.8477% | 1,894 |
| Noninterest expense to average assets | 3.1813% | 2,972 |
| Loan and lease loss provision to assets | 0.8845% | 1,647 |
| Net operating income to assets | 0.2219% | 5,490 |
| Return on assets (ROA) | 0.2219% | 5,622 |
| Pretax return on assets | 0.2907% | 5,524 |
| Return on Equity (ROE) | 1.8928% | 5,665 |
| Retained earnings to average equity (ytd only) | 1.8928% | 4,922 |
| Net charge-offs to loans | 1.0393% | 1,800 |
| Credit loss provision to net charge-offs | 110.0952% | 3,694 |
| Earnings coverage of net charge-offs (x) | 1.4629% | 4,390 |
| Efficiency ratio | 70.7411% | 4,027 |
| Assets per employee ($millions) | 2.4294% | 7,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 6,466 |
| Loan loss allowance to noncurrent loans | 30.1875% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 2.9876% | 2,387 |
| Noncurrent loans to loans | 3.2615% | 2,460 |
| Net loans and leases to total assets | 75.1147% | 1,670 |
| Net loans and leases to deposits | 91.2883% | 1,653 |
| Net loans and leases to core deposits | 93.9475% | 2,720 |
| Total domestic deposits to total assets | 82.2829% | 4,872 |
| Equity capital to assets | 11.5382% | 2,409 |
| Core capital (leverage) ratio | 8.2817% | 5,802 |
| Tier 1 risk-based capital ratio | 9.3916% | 7,307 |
| Total risk-based capital ratio | 10.2694% | 7,421 |
| Memoranda: | ||
| Average total assets | $130,699,670 | 4,334 |
| Average earning assets | $111,883,330 | 4,512 |
| Average equity | $15,321,330 | 3,933 |
| Average total loans | $101,032,000 | 3,859 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6279% | 2,042 |
| Cost of funding earning assets | 1.5987% | 2,968 |
| Net interest margin | 4.0292% | 2,748 |
| Noninterest income to average assets | 0.6654% | 2,848 |
| Noninterest expense to average assets | 3.2157% | 2,801 |
| Loan and lease loss provision to assets | 1.0090% | 1,234 |
| Net operating income to assets | -0.0340% | 6,353 |
| Return on assets (ROA) | -0.0340% | 6,438 |
| Pretax return on assets | -0.1114% | 6,474 |
| Return on Equity (ROE) | -0.2881% | 6,443 |
| Retained earnings to average equity (ytd only) | -0.2881% | 5,895 |
| Net charge-offs to loans | 1.0707% | 1,559 |
| Credit loss provision to net charge-offs | 120.7407% | 2,892 |
| Earnings coverage of net charge-offs (x) | 1.0741% | 4,119 |
| Efficiency ratio | 75.7713% | 3,258 |
| Assets per employee ($millions) | 2.4165% | 7,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 6,543 |
| Loan loss allowance to noncurrent loans | 27.9219% | 6,535 |
| Noncurrent assets plus other real estate owned to assets | 3.3594% | 2,117 |
| Noncurrent loans to loans | 3.5282% | 2,261 |
| Net loans and leases to total assets | 75.6969% | 1,608 |
| Net loans and leases to deposits | 92.0771% | 1,603 |
| Net loans and leases to core deposits | 94.1820% | 2,822 |
| Total domestic deposits to total assets | 82.2104% | 4,972 |
| Equity capital to assets | 11.5026% | 2,358 |
| Core capital (leverage) ratio | 8.4111% | 5,540 |
| Tier 1 risk-based capital ratio | 9.2817% | 7,398 |
| Total risk-based capital ratio | 10.1649% | 7,508 |
| Memoranda: | ||
| Average total assets | $129,241,000 | 4,430 |
| Average earning assets | $110,592,500 | 4,594 |
| Average equity | $15,273,500 | 3,967 |
| Average total loans | $100,866,000 | 3,930 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8263% | 2,544 |
| Cost of funding earning assets | 1.9997% | 2,969 |
| Net interest margin | 3.8265% | 3,591 |
| Noninterest income to average assets | 1.0186% | 1,510 |
| Noninterest expense to average assets | 3.2554% | 3,175 |
| Loan and lease loss provision to assets | 0.3510% | 4,699 |
| Net operating income to assets | 0.5748% | 3,428 |
| Return on assets (ROA) | 0.5754% | 3,500 |
| Pretax return on assets | 0.7469% | 3,419 |
| Return on Equity (ROE) | 4.7290% | 3,786 |
| Retained earnings to average equity (ytd only) | 1.4687% | 4,038 |
| Net charge-offs to loans | 0.1615% | 5,662 |
| Credit loss provision to net charge-offs | 280.7692% | 1,210 |
| Earnings coverage of net charge-offs (x) | 8.7756% | 1,896 |
| Efficiency ratio | 72.3992% | 4,198 |
| Assets per employee ($millions) | 2.2831% | 7,489 |
| Cash dividends to net income (ytd only)* | 68.9415% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 6,660 |
| Loan loss allowance to noncurrent loans | 39.5563% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 2.6072% | 2,695 |
| Noncurrent loans to loans | 2.3861% | 3,181 |
| Net loans and leases to total assets | 78.9804% | 1,188 |
| Net loans and leases to deposits | 95.1430% | 1,441 |
| Net loans and leases to core deposits | 107.8596% | 3,116 |
| Total domestic deposits to total assets | 83.0123% | 4,516 |
| Equity capital to assets | 12.1515% | 1,936 |
| Core capital (leverage) ratio | 9.5309% | 3,682 |
| Tier 1 risk-based capital ratio | 10.5591% | 6,333 |
| Total risk-based capital ratio | 11.4154% | 6,687 |
| Memoranda: | ||
| Average total assets | $124,778,200 | 4,453 |
| Average earning assets | $108,714,600 | 4,604 |
| Average equity | $15,183,000 | 4,028 |
| Average total loans | $96,610,200 | 4,047 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8323% | 2,743 |
| Cost of funding earning assets | 2.0708% | 3,030 |
| Net interest margin | 3.7616% | 3,809 |
| Noninterest income to average assets | 1.1066% | 1,289 |
| Noninterest expense to average assets | 3.4162% | 2,526 |
| Loan and lease loss provision to assets | 0.3885% | 3,985 |
| Net operating income to assets | 0.4914% | 4,018 |
| Return on assets (ROA) | 0.4923% | 4,113 |
| Pretax return on assets | 0.5769% | 4,273 |
| Return on Equity (ROE) | 4.0446% | 4,358 |
| Retained earnings to average equity (ytd only) | 2.9894% | 3,657 |
| Net charge-offs to loans | 0.2019% | 4,787 |
| Credit loss provision to net charge-offs | 250.3448% | 1,715 |
| Earnings coverage of net charge-offs (x) | 6.2137% | 2,644 |
| Efficiency ratio | 75.6169% | 3,571 |
| Assets per employee ($millions) | 2.2590% | 7,546 |
| Cash dividends to net income (ytd only)* | 26.0875% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 6,919 |
| Loan loss allowance to noncurrent loans | 37.0321% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 2.5691% | 2,701 |
| Noncurrent loans to loans | 2.3265% | 3,231 |
| Net loans and leases to total assets | 77.8887% | 1,594 |
| Net loans and leases to deposits | 95.6604% | 1,624 |
| Net loans and leases to core deposits | 108.4256% | 3,418 |
| Total domestic deposits to total assets | 81.4220% | 4,908 |
| Equity capital to assets | 12.3877% | 2,008 |
| Core capital (leverage) ratio | 9.5763% | 3,813 |
| Tier 1 risk-based capital ratio | 10.8515% | 6,104 |
| Total risk-based capital ratio | 11.6358% | 6,526 |
| Memoranda: | ||
| Average total assets | $124,579,500 | 4,482 |
| Average earning assets | $108,427,500 | 4,638 |
| Average equity | $15,164,000 | 4,066 |
| Average total loans | $95,732,000 | 4,090 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8596% | 2,764 |
| Cost of funding earning assets | 2.1794% | 2,890 |
| Net interest margin | 3.6802% | 4,039 |
| Noninterest income to average assets | 1.1885% | 1,108 |
| Noninterest expense to average assets | 3.4902% | 2,364 |
| Loan and lease loss provision to assets | 0.5357% | 2,889 |
| Net operating income to assets | 0.3930% | 4,540 |
| Return on assets (ROA) | 0.3930% | 4,646 |
| Pretax return on assets | 0.3641% | 5,032 |
| Return on Equity (ROE) | 3.2475% | 4,803 |
| Retained earnings to average equity (ytd only) | 3.2475% | 3,511 |
| Net charge-offs to loans | 0.2923% | 3,729 |
| Credit loss provision to net charge-offs | 240.2878% | 1,938 |
| Earnings coverage of net charge-offs (x) | 4.0360% | 3,237 |
| Efficiency ratio | 77.1282% | 3,488 |
| Assets per employee ($millions) | 2.2251% | 7,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 6,472 |
| Loan loss allowance to noncurrent loans | 29.8137% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 2.9449% | 2,167 |
| Noncurrent loans to loans | 3.2381% | 2,195 |
| Net loans and leases to total assets | 76.4469% | 2,067 |
| Net loans and leases to deposits | 92.1001% | 2,456 |
| Net loans and leases to core deposits | 104.6065% | 3,999 |
| Total domestic deposits to total assets | 83.0042% | 4,234 |
| Equity capital to assets | 12.3824% | 1,985 |
| Core capital (leverage) ratio | 9.5976% | 3,763 |
| Tier 1 risk-based capital ratio | 11.1504% | 5,731 |
| Total risk-based capital ratio | 11.9658% | 6,113 |
| Memoranda: | ||
| Average total assets | $124,691,330 | 4,517 |
| Average earning assets | $108,472,000 | 4,670 |
| Average equity | $15,088,330 | 4,101 |
| Average total loans | $95,105,000 | 4,141 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9274% | 2,660 |
| Cost of funding earning assets | 2.3381% | 2,548 |
| Net interest margin | 3.5893% | 4,362 |
| Noninterest income to average assets | 1.0712% | 1,296 |
| Noninterest expense to average assets | 3.2643% | 2,755 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7374% | 3,402 |
| Return on assets (ROA) | 0.7374% | 3,587 |
| Pretax return on assets | 0.9345% | 3,585 |
| Return on Equity (ROE) | 6.1639% | 3,975 |
| Retained earnings to average equity (ytd only) | 6.1639% | 2,560 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3217% | 3,599 |
| Assets per employee ($millions) | 2.4359% | 7,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5925% | 7,670 |
| Loan loss allowance to noncurrent loans | 25.3147% | 6,878 |
| Noncurrent assets plus other real estate owned to assets | 1.7913% | 3,237 |
| Noncurrent loans to loans | 2.3406% | 2,811 |
| Net loans and leases to total assets | 74.5707% | 2,608 |
| Net loans and leases to deposits | 89.5622% | 3,001 |
| Net loans and leases to core deposits | 103.6589% | 4,176 |
| Total domestic deposits to total assets | 83.2614% | 4,013 |
| Equity capital to assets | 12.0238% | 2,244 |
| Core capital (leverage) ratio | 9.3813% | 4,128 |
| Tier 1 risk-based capital ratio | 11.0596% | 5,848 |
| Total risk-based capital ratio | 11.5992% | 6,460 |
| Memoranda: | ||
| Average total assets | $125,845,500 | 4,500 |
| Average earning assets | $109,660,000 | 4,652 |
| Average equity | $15,055,500 | 4,132 |
| Average total loans | $95,422,500 | 4,168 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3814% | 3,517 |
| Cost of funding earning assets | 2.8095% | 2,667 |
| Net interest margin | 3.5718% | 5,001 |
| Noninterest income to average assets | 1.0639% | 1,389 |
| Noninterest expense to average assets | 3.3202% | 2,900 |
| Loan and lease loss provision to assets | 0.1080% | 5,990 |
| Net operating income to assets | 0.5428% | 4,563 |
| Return on assets (ROA) | 0.0181% | 6,177 |
| Pretax return on assets | -0.0734% | 6,239 |
| Return on Equity (ROE) | 0.1498% | 6,179 |
| Retained earnings to average equity (ytd only) | -1.7566% | 5,803 |
| Net charge-offs to loans | 0.2270% | 3,969 |
| Credit loss provision to net charge-offs | 65.8291% | 6,145 |
| Earnings coverage of net charge-offs (x) | 5.2060% | 3,723 |
| Efficiency ratio | 76.9656% | 3,085 |
| Assets per employee ($millions) | 2.4043% | 7,392 |
| Cash dividends to net income (ytd only)* | 1,272.7273% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5875% | 7,701 |
| Loan loss allowance to noncurrent loans | 25.2580% | 6,999 |
| Noncurrent assets plus other real estate owned to assets | 1.8188% | 2,707 |
| Noncurrent loans to loans | 2.3261% | 2,376 |
| Net loans and leases to total assets | 76.1954% | 2,567 |
| Net loans and leases to deposits | 90.1055% | 3,438 |
| Net loans and leases to core deposits | 107.3361% | 4,039 |
| Total domestic deposits to total assets | 84.5624% | 3,041 |
| Equity capital to assets | 11.9023% | 2,355 |
| Core capital (leverage) ratio | 9.4366% | 4,106 |
| Tier 1 risk-based capital ratio | 10.5649% | 6,140 |
| Total risk-based capital ratio | 11.0927% | 6,794 |
| Memoranda: | ||
| Average total assets | $121,256,800 | 4,491 |
| Average earning assets | $105,604,200 | 4,624 |
| Average equity | $14,687,200 | 4,196 |
| Average total loans | $87,665,600 | 4,297 |