Home > CreekSide Bank > Performance and Condition Ratios
CreekSide 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 | 3.5957% | 7,101 |
| Cost of funding earning assets | 1.6398% | 591 |
| Net interest margin | 1.9559% | 7,377 |
| Noninterest income to average assets | 0.7882% | 2,079 |
| Noninterest expense to average assets | 4.3487% | 702 |
| Loan and lease loss provision to assets | 2.5174% | 208 |
| Net operating income to assets | -4.4526% | 7,419 |
| Return on assets (ROA) | -4.4526% | 7,422 |
| Pretax return on assets | -4.4526% | 7,417 |
| Return on Equity (ROE) | -231.3016% | 7,493 |
| Retained earnings to average equity (ytd only) | -231.3016% | 7,493 |
| Net charge-offs to loans | 1.6806% | 862 |
| Credit loss provision to net charge-offs | 234.7349% | 1,281 |
| Earnings coverage of net charge-offs (x) | -1.8044% | 5,703 |
| Efficiency ratio | 180.1787% | 82 |
| Assets per employee ($millions) | 7.8722% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4293% | 292 |
| Loan loss allowance to noncurrent loans | 16.2661% | 6,830 |
| Noncurrent assets plus other real estate owned to assets | 25.0503% | 23 |
| Noncurrent loans to loans | 27.2305% | 20 |
| Net loans and leases to total assets | 57.6433% | 4,699 |
| Net loans and leases to deposits | 61.0780% | 5,607 |
| Net loans and leases to core deposits | 62.5839% | 5,849 |
| Total domestic deposits to total assets | 94.3765% | 64 |
| Equity capital to assets | 0.6361% | 7,502 |
| Core capital (leverage) ratio | 0.5728% | 7,503 |
| Tier 1 risk-based capital ratio | 0.7797% | 7,502 |
| Total risk-based capital ratio | 1.5593% | 7,502 |
| Memoranda: | ||
| Average total assets | $102,008,000 | 4,900 |
| Average earning assets | $84,769,000 | 5,170 |
| Average equity | $1,963,670 | 7,352 |
| Average total loans | $65,096,670 | 4,754 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 7,195 |
| Cost of funding earning assets | 1.6554% | 663 |
| Net interest margin | 1.8718% | 7,438 |
| Noninterest income to average assets | 0.4360% | 4,405 |
| Noninterest expense to average assets | 3.9905% | 1,048 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.9913% | 7,281 |
| Return on assets (ROA) | -1.9913% | 7,279 |
| Pretax return on assets | -1.9913% | 7,252 |
| Return on Equity (ROE) | -77.4046% | 7,478 |
| Retained earnings to average equity (ytd only) | -77.4046% | 7,471 |
| Net charge-offs to loans | -0.8625% | 7,470 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 199.6071% | 67 |
| Assets per employee ($millions) | 6.9283% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2604% | 737 |
| Loan loss allowance to noncurrent loans | 11.1726% | 6,994 |
| Noncurrent assets plus other real estate owned to assets | 25.6995% | 23 |
| Noncurrent loans to loans | 29.1821% | 15 |
| Net loans and leases to total assets | 61.1274% | 4,052 |
| Net loans and leases to deposits | 65.8444% | 4,996 |
| Net loans and leases to core deposits | 66.9287% | 5,409 |
| Total domestic deposits to total assets | 92.8361% | 149 |
| Equity capital to assets | 2.2805% | 7,512 |
| Core capital (leverage) ratio | 2.2626% | 7,513 |
| Tier 1 risk-based capital ratio | 2.9411% | 7,524 |
| Total risk-based capital ratio | 4.2085% | 7,524 |
| Memoranda: | ||
| Average total assets | $101,843,000 | 4,948 |
| Average earning assets | $85,052,500 | 5,183 |
| Average equity | $2,620,000 | 7,265 |
| Average total loans | $66,782,500 | 4,742 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8234% | 7,241 |
| Cost of funding earning assets | 2.1593% | 348 |
| Net interest margin | 1.6641% | 7,527 |
| Noninterest income to average assets | -0.0378% | 7,345 |
| Noninterest expense to average assets | 3.4632% | 2,265 |
| Loan and lease loss provision to assets | 2.9015% | 344 |
| Net operating income to assets | -4.9684% | 7,532 |
| Return on assets (ROA) | -4.9684% | 7,538 |
| Pretax return on assets | -4.9684% | 7,537 |
| Return on Equity (ROE) | -87.4145% | 7,571 |
| Retained earnings to average equity (ytd only) | -87.4145% | 7,571 |
| Net charge-offs to loans | 3.8028% | 350 |
| Credit loss provision to net charge-offs | 114.4125% | 3,793 |
| Earnings coverage of net charge-offs (x) | -0.8151% | 6,554 |
| Efficiency ratio | 248.0335% | 48 |
| Assets per employee ($millions) | 6.2351% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9412% | 914 |
| Loan loss allowance to noncurrent loans | 11.9581% | 7,064 |
| Noncurrent assets plus other real estate owned to assets | 24.4061% | 32 |
| Noncurrent loans to loans | 24.5957% | 47 |
| Net loans and leases to total assets | 66.0582% | 3,458 |
| Net loans and leases to deposits | 71.7774% | 4,557 |
| Net loans and leases to core deposits | 73.2201% | 5,076 |
| Total domestic deposits to total assets | 92.0320% | 276 |
| Equity capital to assets | 2.8768% | 7,570 |
| Core capital (leverage) ratio | 2.6857% | 7,576 |
| Tier 1 risk-based capital ratio | 3.6029% | 7,584 |
| Total risk-based capital ratio | 4.8555% | 7,586 |
| Memoranda: | ||
| Average total assets | $111,081,000 | 4,683 |
| Average earning assets | $95,726,200 | 4,837 |
| Average equity | $6,313,600 | 6,269 |
| Average total loans | $74,077,400 | 4,526 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8707% | 7,362 |
| Cost of funding earning assets | 2.2270% | 356 |
| Net interest margin | 1.6437% | 7,654 |
| Noninterest income to average assets | -0.1639% | 7,572 |
| Noninterest expense to average assets | 3.2293% | 2,819 |
| Loan and lease loss provision to assets | 1.5942% | 808 |
| Net operating income to assets | -3.5594% | 7,526 |
| Return on assets (ROA) | -3.5594% | 7,539 |
| Pretax return on assets | -3.5594% | 7,510 |
| Return on Equity (ROE) | -56.5136% | 7,592 |
| Retained earnings to average equity (ytd only) | -56.5136% | 7,590 |
| Net charge-offs to loans | 2.5600% | 650 |
| Credit loss provision to net charge-offs | 93.8017% | 4,623 |
| Earnings coverage of net charge-offs (x) | -1.1563% | 6,470 |
| Efficiency ratio | 255.4630% | 44 |
| Assets per employee ($millions) | 6.0620% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1740% | 1,849 |
| Loan loss allowance to noncurrent loans | 9.2724% | 7,192 |
| Noncurrent assets plus other real estate owned to assets | 21.8007% | 39 |
| Noncurrent loans to loans | 23.4456% | 40 |
| Net loans and leases to total assets | 61.8589% | 4,564 |
| Net loans and leases to deposits | 68.4300% | 5,361 |
| Net loans and leases to core deposits | 69.5232% | 5,797 |
| Total domestic deposits to total assets | 90.3974% | 680 |
| Equity capital to assets | 4.9040% | 7,589 |
| Core capital (leverage) ratio | 4.7709% | 7,568 |
| Tier 1 risk-based capital ratio | 6.6840% | 7,573 |
| Total risk-based capital ratio | 7.9422% | 7,577 |
| Memoranda: | ||
| Average total assets | $113,910,750 | 4,676 |
| Average earning assets | $98,963,500 | 4,814 |
| Average equity | $7,174,500 | 6,052 |
| Average total loans | $75,622,250 | 4,534 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1065% | 7,277 |
| Cost of funding earning assets | 2.2792% | 359 |
| Net interest margin | 1.8273% | 7,688 |
| Noninterest income to average assets | -0.0693% | 7,604 |
| Noninterest expense to average assets | 3.2378% | 2,771 |
| Loan and lease loss provision to assets | 0.3272% | 3,779 |
| Net operating income to assets | -2.0310% | 7,313 |
| Return on assets (ROA) | -2.0310% | 7,322 |
| Pretax return on assets | -2.0310% | 7,248 |
| Return on Equity (ROE) | -30.1452% | 7,436 |
| Retained earnings to average equity (ytd only) | -30.1452% | 7,420 |
| Net charge-offs to loans | 0.7581% | 2,346 |
| Credit loss provision to net charge-offs | 64.0678% | 5,117 |
| Earnings coverage of net charge-offs (x) | -3.3356% | 6,268 |
| Efficiency ratio | 211.0609% | 85 |
| Assets per employee ($millions) | 6.6021% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9951% | 2,197 |
| Loan loss allowance to noncurrent loans | 9.9378% | 7,265 |
| Noncurrent assets plus other real estate owned to assets | 17.3857% | 87 |
| Noncurrent loans to loans | 20.0763% | 86 |
| Net loans and leases to total assets | 64.9934% | 4,043 |
| Net loans and leases to deposits | 73.0022% | 4,831 |
| Net loans and leases to core deposits | 74.5404% | 5,385 |
| Total domestic deposits to total assets | 89.0294% | 1,425 |
| Equity capital to assets | 6.4106% | 7,478 |
| Core capital (leverage) ratio | 6.2445% | 7,442 |
| Tier 1 risk-based capital ratio | 8.6434% | 7,464 |
| Total risk-based capital ratio | 9.9111% | 7,479 |
| Memoranda: | ||
| Average total assets | $115,509,000 | 4,667 |
| Average earning assets | $101,351,670 | 4,768 |
| Average equity | $7,782,330 | 5,876 |
| Average total loans | $77,830,330 | 4,512 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1338% | 7,340 |
| Cost of funding earning assets | 2.3522% | 359 |
| Net interest margin | 1.7816% | 7,780 |
| Noninterest income to average assets | 0.1229% | 7,070 |
| Noninterest expense to average assets | 3.2472% | 2,711 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.5570% | 7,350 |
| Return on assets (ROA) | -1.5570% | 7,354 |
| Pretax return on assets | -1.5570% | 7,275 |
| Return on Equity (ROE) | -22.5854% | 7,476 |
| Retained earnings to average equity (ytd only) | -22.5854% | 7,429 |
| Net charge-offs to loans | 0.1308% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -17.5385% | 5,576 |
| Efficiency ratio | 192.1212% | 107 |
| Assets per employee ($millions) | 6.9188% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9856% | 2,224 |
| Loan loss allowance to noncurrent loans | 11.6870% | 7,295 |
| Noncurrent assets plus other real estate owned to assets | 15.2228% | 132 |
| Noncurrent loans to loans | 16.9898% | 133 |
| Net loans and leases to total assets | 65.6802% | 3,935 |
| Net loans and leases to deposits | 73.8105% | 4,770 |
| Net loans and leases to core deposits | 75.8401% | 5,277 |
| Total domestic deposits to total assets | 88.9849% | 1,525 |
| Equity capital to assets | 6.6774% | 7,486 |
| Core capital (leverage) ratio | 6.8219% | 7,344 |
| Tier 1 risk-based capital ratio | 8.8740% | 7,500 |
| Total risk-based capital ratio | 10.1246% | 7,521 |
| Memoranda: | ||
| Average total assets | $117,145,500 | 4,691 |
| Average earning assets | $103,052,000 | 4,782 |
| Average equity | $8,076,000 | 5,821 |
| Average total loans | $79,530,000 | 4,529 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4004% | 7,479 |
| Cost of funding earning assets | 3.1289% | 153 |
| Net interest margin | 1.2715% | 7,899 |
| Noninterest income to average assets | -0.1321% | 7,821 |
| Noninterest expense to average assets | 3.2254% | 3,293 |
| Loan and lease loss provision to assets | 2.9844% | 583 |
| Net operating income to assets | -5.2250% | 7,770 |
| Return on assets (ROA) | -5.1298% | 7,752 |
| Pretax return on assets | -5.1298% | 7,721 |
| Return on Equity (ROE) | -52.8623% | 7,705 |
| Retained earnings to average equity (ytd only) | -52.8623% | 7,699 |
| Net charge-offs to loans | 4.4557% | 333 |
| Credit loss provision to net charge-offs | 93.3459% | 5,881 |
| Earnings coverage of net charge-offs (x) | -0.7008% | 6,807 |
| Efficiency ratio | 327.5261% | 58 |
| Assets per employee ($millions) | 6.8630% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9828% | 2,072 |
| Loan loss allowance to noncurrent loans | 15.5023% | 7,234 |
| Noncurrent assets plus other real estate owned to assets | 12.2944% | 239 |
| Noncurrent loans to loans | 12.7901% | 248 |
| Net loans and leases to total assets | 67.4126% | 3,831 |
| Net loans and leases to deposits | 76.1635% | 4,718 |
| Net loans and leases to core deposits | 95.8843% | 4,478 |
| Total domestic deposits to total assets | 88.5104% | 1,720 |
| Equity capital to assets | 7.1123% | 7,319 |
| Core capital (leverage) ratio | 7.2618% | 7,020 |
| Tier 1 risk-based capital ratio | 8.9160% | 7,506 |
| Total risk-based capital ratio | 10.0821% | 7,553 |
| Memoranda: | ||
| Average total assets | $116,574,400 | 4,670 |
| Average earning assets | $102,400,400 | 4,782 |
| Average equity | $11,312,400 | 4,934 |
| Average total loans | $83,645,600 | 4,396 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4141% | 7,595 |
| Cost of funding earning assets | 3.3315% | 118 |
| Net interest margin | 1.0827% | 8,010 |
| Noninterest income to average assets | 0.0698% | 7,565 |
| Noninterest expense to average assets | 3.2706% | 3,027 |
| Loan and lease loss provision to assets | 3.3987% | 400 |
| Net operating income to assets | -5.6489% | 7,900 |
| Return on assets (ROA) | -5.5219% | 7,887 |
| Pretax return on assets | -5.5219% | 7,870 |
| Return on Equity (ROE) | -53.3386% | 7,858 |
| Retained earnings to average equity (ytd only) | -53.3386% | 7,851 |
| Net charge-offs to loans | 5.8620% | 156 |
| Credit loss provision to net charge-offs | 79.9731% | 5,768 |
| Earnings coverage of net charge-offs (x) | -0.5295% | 6,485 |
| Efficiency ratio | 320.5157% | 62 |
| Assets per employee ($millions) | 6.3284% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 4,275 |
| Loan loss allowance to noncurrent loans | 10.9575% | 7,434 |
| Noncurrent assets plus other real estate owned to assets | 11.5554% | 252 |
| Noncurrent loans to loans | 12.2042% | 258 |
| Net loans and leases to total assets | 70.8565% | 3,304 |
| Net loans and leases to deposits | 81.2846% | 4,152 |
| Net loans and leases to core deposits | 99.6777% | 4,409 |
| Total domestic deposits to total assets | 87.1708% | 2,093 |
| Equity capital to assets | 8.2836% | 6,526 |
| Core capital (leverage) ratio | 8.0075% | 6,341 |
| Tier 1 risk-based capital ratio | 10.8581% | 6,099 |
| Total risk-based capital ratio | 12.1183% | 6,047 |
| Memoranda: | ||
| Average total assets | $116,550,250 | 4,684 |
| Average earning assets | $102,335,250 | 4,811 |
| Average equity | $12,066,000 | 4,775 |
| Average total loans | $84,496,500 | 4,406 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4840% | 7,632 |
| Cost of funding earning assets | 3.4359% | 135 |
| Net interest margin | 1.0481% | 8,095 |
| Noninterest income to average assets | 0.0749% | 7,610 |
| Noninterest expense to average assets | 3.3160% | 2,892 |
| Loan and lease loss provision to assets | 2.8630% | 530 |
| Net operating income to assets | -5.1861% | 7,948 |
| Return on assets (ROA) | -5.0158% | 7,927 |
| Pretax return on assets | -5.0158% | 7,860 |
| Return on Equity (ROE) | -45.5084% | 7,890 |
| Retained earnings to average equity (ytd only) | -45.5084% | 7,881 |
| Net charge-offs to loans | 2.2227% | 818 |
| Credit loss provision to net charge-offs | 177.1338% | 2,587 |
| Earnings coverage of net charge-offs (x) | -1.4373% | 6,306 |
| Efficiency ratio | 333.9623% | 68 |
| Assets per employee ($millions) | 6.5084% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9883% | 570 |
| Loan loss allowance to noncurrent loans | 25.9592% | 6,774 |
| Noncurrent assets plus other real estate owned to assets | 11.2401% | 223 |
| Noncurrent loans to loans | 11.5115% | 250 |
| Net loans and leases to total assets | 71.2450% | 3,411 |
| Net loans and leases to deposits | 82.8239% | 4,081 |
| Net loans and leases to core deposits | 101.0313% | 4,399 |
| Total domestic deposits to total assets | 86.0199% | 2,783 |
| Equity capital to assets | 9.5261% | 4,578 |
| Core capital (leverage) ratio | 9.0745% | 4,504 |
| Tier 1 risk-based capital ratio | 12.2709% | 4,703 |
| Total risk-based capital ratio | 13.5403% | 4,599 |
| Memoranda: | ||
| Average total assets | $117,429,670 | 4,702 |
| Average earning assets | $102,854,330 | 4,818 |
| Average equity | $12,942,670 | 4,559 |
| Average total loans | $85,392,670 | 4,417 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5840% | 7,632 |
| Cost of funding earning assets | 3.4303% | 180 |
| Net interest margin | 1.1538% | 8,138 |
| Noninterest income to average assets | 0.0783% | 7,663 |
| Noninterest expense to average assets | 2.9940% | 3,794 |
| Loan and lease loss provision to assets | 0.0612% | 6,192 |
| Net operating income to assets | -1.9665% | 7,649 |
| Return on assets (ROA) | -1.6263% | 7,549 |
| Pretax return on assets | -1.6263% | 7,411 |
| Return on Equity (ROE) | -13.8210% | 7,557 |
| Retained earnings to average equity (ytd only) | -13.8210% | 7,371 |
| Net charge-offs to loans | 0.6207% | 1,937 |
| Credit loss provision to net charge-offs | 13.6364% | 5,158 |
| Earnings coverage of net charge-offs (x) | -4.2424% | 5,547 |
| Efficiency ratio | 275.0000% | 105 |
| Assets per employee ($millions) | 6.9744% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0254% | 1,362 |
| Loan loss allowance to noncurrent loans | 18.1876% | 7,252 |
| Noncurrent assets plus other real estate owned to assets | 9.4807% | 251 |
| Noncurrent loans to loans | 11.1360% | 215 |
| Net loans and leases to total assets | 66.5076% | 4,461 |
| Net loans and leases to deposits | 78.1777% | 4,897 |
| Net loans and leases to core deposits | 92.7267% | 5,285 |
| Total domestic deposits to total assets | 85.0724% | 3,162 |
| Equity capital to assets | 10.7935% | 3,192 |
| Core capital (leverage) ratio | 11.4030% | 2,207 |
| Tier 1 risk-based capital ratio | 14.5228% | 3,298 |
| Total risk-based capital ratio | 15.7792% | 3,222 |
| Memoranda: | ||
| Average total assets | $117,568,500 | 4,714 |
| Average earning assets | $102,966,000 | 4,834 |
| Average equity | $13,834,000 | 4,378 |
| Average total loans | $85,071,000 | 4,456 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1178% | 4,949 |
| Cost of funding earning assets | 3.9670% | 108 |
| Net interest margin | 2.1508% | 7,987 |
| Noninterest income to average assets | 0.0696% | 7,796 |
| Noninterest expense to average assets | 3.9343% | 1,510 |
| Loan and lease loss provision to assets | 1.1794% | 1,227 |
| Net operating income to assets | -3.1521% | 7,859 |
| Return on assets (ROA) | -3.1249% | 7,827 |
| Pretax return on assets | -3.1249% | 7,739 |
| Return on Equity (ROE) | -20.0668% | 7,758 |
| Retained earnings to average equity (ytd only) | -20.0668% | 7,680 |
| Net charge-offs to loans | 0.0712% | 5,747 |
| Credit loss provision to net charge-offs | 2,127.2727% | 215 |
| Earnings coverage of net charge-offs (x) | -35.5818% | 6,969 |
| Efficiency ratio | 200.5653% | 199 |
| Assets per employee ($millions) | 5.4799% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1655% | 983 |
| Loan loss allowance to noncurrent loans | 37.7386% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 6.6078% | 416 |
| Noncurrent loans to loans | 5.7381% | 661 |
| Net loans and leases to total assets | 75.8080% | 2,678 |
| Net loans and leases to deposits | 91.9773% | 3,136 |
| Net loans and leases to core deposits | 113.1380% | 3,429 |
| Total domestic deposits to total assets | 82.4203% | 4,037 |
| Equity capital to assets | 12.8816% | 1,838 |
| Core capital (leverage) ratio | 12.9021% | 1,578 |
| Tier 1 risk-based capital ratio | 15.5082% | 2,845 |
| Total risk-based capital ratio | 16.7676% | 2,776 |
| Memoranda: | ||
| Average total assets | $99,203,200 | 5,077 |
| Average earning assets | $87,269,800 | 5,173 |
| Average equity | $15,448,400 | 4,038 |
| Average total loans | $77,254,800 | 4,609 |