Home > First Chicago Bank & Trust > Performance and Condition Ratios
First Chicago 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 | 4.6117% | 4,919 |
| Cost of funding earning assets | 1.6174% | 654 |
| Net interest margin | 2.9944% | 6,621 |
| Noninterest income to average assets | 0.4846% | 3,983 |
| Noninterest expense to average assets | 4.0712% | 944 |
| Loan and lease loss provision to assets | 1.9201% | 334 |
| Net operating income to assets | -2.8178% | 7,291 |
| Return on assets (ROA) | -2.7596% | 7,293 |
| Pretax return on assets | -2.7596% | 7,280 |
| Return on Equity (ROE) | -179.5621% | 7,483 |
| Retained earnings to average equity (ytd only) | -179.5621% | 7,483 |
| Net charge-offs to loans | 7.7745% | 45 |
| Credit loss provision to net charge-offs | 31.4663% | 4,965 |
| Earnings coverage of net charge-offs (x) | -0.1471% | 5,376 |
| Efficiency ratio | 123.7871% | 307 |
| Assets per employee ($millions) | 7.4121% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4599% | 612 |
| Loan loss allowance to noncurrent loans | 16.8712% | 6,812 |
| Noncurrent assets plus other real estate owned to assets | 19.8552% | 62 |
| Noncurrent loans to loans | 20.5080% | 56 |
| Net loans and leases to total assets | 77.0338% | 914 |
| Net loans and leases to deposits | 83.1864% | 2,236 |
| Net loans and leases to core deposits | 107.3146% | 846 |
| Total domestic deposits to total assets | 92.6038% | 155 |
| Equity capital to assets | 1.0953% | 7,495 |
| Core capital (leverage) ratio | 0.5620% | 7,504 |
| Tier 1 risk-based capital ratio | 0.6940% | 7,505 |
| Total risk-based capital ratio | 1.3880% | 7,505 |
| Memoranda: | ||
| Average total assets | $950,873,330 | 706 |
| Average earning assets | $853,863,670 | 706 |
| Average equity | $14,613,330 | 3,981 |
| Average total loans | $746,336,670 | 567 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 4,708 |
| Cost of funding earning assets | 1.6544% | 669 |
| Net interest margin | 3.0042% | 6,563 |
| Noninterest income to average assets | 0.5473% | 3,531 |
| Noninterest expense to average assets | 3.6974% | 1,537 |
| Loan and lease loss provision to assets | 3.7342% | 117 |
| Net operating income to assets | -4.1932% | 7,452 |
| Return on assets (ROA) | -4.1514% | 7,455 |
| Pretax return on assets | -4.1514% | 7,442 |
| Return on Equity (ROE) | -238.6807% | 7,547 |
| Retained earnings to average equity (ytd only) | -238.6807% | 7,545 |
| Net charge-offs to loans | 5.7468% | 120 |
| Credit loss provision to net charge-offs | 83.4232% | 3,080 |
| Earnings coverage of net charge-offs (x) | -0.1025% | 4,642 |
| Efficiency ratio | 109.7764% | 512 |
| Assets per employee ($millions) | 7.6746% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6991% | 122 |
| Loan loss allowance to noncurrent loans | 43.3024% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 14.0053% | 180 |
| Noncurrent loans to loans | 13.1612% | 222 |
| Net loans and leases to total assets | 73.8733% | 1,369 |
| Net loans and leases to deposits | 79.8535% | 2,745 |
| Net loans and leases to core deposits | 109.3621% | 764 |
| Total domestic deposits to total assets | 92.5110% | 178 |
| Equity capital to assets | 1.2591% | 7,553 |
| Core capital (leverage) ratio | 0.8020% | 7,562 |
| Tier 1 risk-based capital ratio | 1.0145% | 7,562 |
| Total risk-based capital ratio | 2.0290% | 7,562 |
| Memoranda: | ||
| Average total assets | $977,878,000 | 688 |
| Average earning assets | $875,980,000 | 694 |
| Average equity | $17,008,500 | 3,563 |
| Average total loans | $761,680,500 | 563 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7329% | 5,679 |
| Cost of funding earning assets | 1.8367% | 1,041 |
| Net interest margin | 2.8962% | 6,899 |
| Noninterest income to average assets | 0.5074% | 4,112 |
| Noninterest expense to average assets | 4.1375% | 973 |
| Loan and lease loss provision to assets | 5.2054% | 67 |
| Net operating income to assets | -8.4524% | 7,623 |
| Return on assets (ROA) | -8.4046% | 7,624 |
| Pretax return on assets | -6.2278% | 7,588 |
| Return on Equity (ROE) | -132.4229% | 7,628 |
| Retained earnings to average equity (ytd only) | -132.4229% | 7,628 |
| Net charge-offs to loans | 7.8553% | 38 |
| Credit loss provision to net charge-offs | 86.2601% | 5,270 |
| Earnings coverage of net charge-offs (x) | -0.1773% | 6,275 |
| Efficiency ratio | 130.2968% | 314 |
| Assets per employee ($millions) | 7.8459% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7841% | 118 |
| Loan loss allowance to noncurrent loans | 39.9946% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 14.8445% | 170 |
| Noncurrent loans to loans | 14.4621% | 181 |
| Net loans and leases to total assets | 72.9807% | 1,876 |
| Net loans and leases to deposits | 79.5384% | 3,251 |
| Net loans and leases to core deposits | 113.3623% | 753 |
| Total domestic deposits to total assets | 91.7552% | 337 |
| Equity capital to assets | 2.2017% | 7,609 |
| Core capital (leverage) ratio | 1.6641% | 7,618 |
| Tier 1 risk-based capital ratio | 2.2086% | 7,619 |
| Total risk-based capital ratio | 3.5141% | 7,618 |
| Memoranda: | ||
| Average total assets | $1,097,291,400 | 609 |
| Average earning assets | $969,850,200 | 617 |
| Average equity | $69,642,800 | 963 |
| Average total loans | $842,950,600 | 528 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 6,029 |
| Cost of funding earning assets | 1.8753% | 1,112 |
| Net interest margin | 2.8225% | 7,103 |
| Noninterest income to average assets | 0.5387% | 3,875 |
| Noninterest expense to average assets | 3.7693% | 1,432 |
| Loan and lease loss provision to assets | 2.9932% | 290 |
| Net operating income to assets | -3.7332% | 7,546 |
| Return on assets (ROA) | -3.7332% | 7,558 |
| Pretax return on assets | -3.7332% | 7,534 |
| Return on Equity (ROE) | -51.3744% | 7,566 |
| Retained earnings to average equity (ytd only) | -51.3744% | 7,564 |
| Net charge-offs to loans | 5.8696% | 111 |
| Credit loss provision to net charge-offs | 66.5048% | 5,525 |
| Earnings coverage of net charge-offs (x) | -0.1644% | 6,154 |
| Efficiency ratio | 119.7891% | 398 |
| Assets per employee ($millions) | 7.9667% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9899% | 173 |
| Loan loss allowance to noncurrent loans | 34.0947% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 14.3993% | 175 |
| Noncurrent loans to loans | 14.6355% | 171 |
| Net loans and leases to total assets | 72.6731% | 2,085 |
| Net loans and leases to deposits | 83.6559% | 2,762 |
| Net loans and leases to core deposits | 130.1259% | 372 |
| Total domestic deposits to total assets | 86.8714% | 2,599 |
| Equity capital to assets | 7.8607% | 6,895 |
| Core capital (leverage) ratio | 5.9131% | 7,445 |
| Tier 1 risk-based capital ratio | 7.5198% | 7,514 |
| Total risk-based capital ratio | 8.8145% | 7,513 |
| Memoranda: | ||
| Average total assets | $1,122,507,500 | 586 |
| Average earning assets | $990,527,750 | 602 |
| Average equity | $81,569,000 | 809 |
| Average total loans | $860,727,500 | 516 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7341% | 6,032 |
| Cost of funding earning assets | 1.8957% | 1,259 |
| Net interest margin | 2.8384% | 7,090 |
| Noninterest income to average assets | 0.5948% | 3,376 |
| Noninterest expense to average assets | 3.6070% | 1,763 |
| Loan and lease loss provision to assets | 3.2684% | 285 |
| Net operating income to assets | -3.7748% | 7,600 |
| Return on assets (ROA) | -3.7748% | 7,607 |
| Pretax return on assets | -3.7748% | 7,576 |
| Return on Equity (ROE) | -53.3198% | 7,625 |
| Retained earnings to average equity (ytd only) | -53.3198% | 7,621 |
| Net charge-offs to loans | 7.1876% | 82 |
| Credit loss provision to net charge-offs | 59.2564% | 5,226 |
| Earnings coverage of net charge-offs (x) | -0.0918% | 5,796 |
| Efficiency ratio | 111.7710% | 516 |
| Assets per employee ($millions) | 8.0715% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8401% | 193 |
| Loan loss allowance to noncurrent loans | 46.6069% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 11.1659% | 313 |
| Noncurrent loans to loans | 10.3849% | 416 |
| Net loans and leases to total assets | 73.3489% | 2,073 |
| Net loans and leases to deposits | 83.0386% | 3,069 |
| Net loans and leases to core deposits | 138.4436% | 302 |
| Total domestic deposits to total assets | 88.3311% | 1,813 |
| Equity capital to assets | 6.3252% | 7,494 |
| Core capital (leverage) ratio | 4.3837% | 7,659 |
| Tier 1 risk-based capital ratio | 5.4444% | 7,677 |
| Total risk-based capital ratio | 6.7362% | 7,677 |
| Memoranda: | ||
| Average total assets | $1,138,174,000 | 581 |
| Average earning assets | $1,004,801,330 | 592 |
| Average equity | $80,578,000 | 813 |
| Average total loans | $873,418,330 | 514 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 6,410 |
| Cost of funding earning assets | 1.9080% | 1,417 |
| Net interest margin | 2.7422% | 7,252 |
| Noninterest income to average assets | 0.3823% | 5,073 |
| Noninterest expense to average assets | 3.2742% | 2,618 |
| Loan and lease loss provision to assets | 2.1754% | 494 |
| Net operating income to assets | -2.6440% | 7,582 |
| Return on assets (ROA) | -2.6440% | 7,581 |
| Pretax return on assets | -2.6440% | 7,537 |
| Return on Equity (ROE) | -35.5517% | 7,621 |
| Retained earnings to average equity (ytd only) | -35.5517% | 7,603 |
| Net charge-offs to loans | 5.5549% | 204 |
| Credit loss provision to net charge-offs | 51.1405% | 4,463 |
| Earnings coverage of net charge-offs (x) | -0.1102% | 5,109 |
| Efficiency ratio | 111.6554% | 567 |
| Assets per employee ($millions) | 8.5074% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4798% | 131 |
| Loan loss allowance to noncurrent loans | 41.5246% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 12.8097% | 219 |
| Noncurrent loans to loans | 13.1966% | 239 |
| Net loans and leases to total assets | 72.2077% | 2,406 |
| Net loans and leases to deposits | 82.3663% | 3,220 |
| Net loans and leases to core deposits | 156.4456% | 203 |
| Total domestic deposits to total assets | 87.6666% | 2,253 |
| Equity capital to assets | 7.2365% | 7,262 |
| Core capital (leverage) ratio | 5.3575% | 7,672 |
| Tier 1 risk-based capital ratio | 6.8685% | 7,708 |
| Total risk-based capital ratio | 8.1690% | 7,708 |
| Memoranda: | ||
| Average total assets | $1,158,400,500 | 587 |
| Average earning assets | $1,023,690,000 | 597 |
| Average equity | $86,150,500 | 770 |
| Average total loans | $887,068,000 | 526 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9865% | 6,480 |
| Cost of funding earning assets | 2.1543% | 2,216 |
| Net interest margin | 2.8322% | 7,005 |
| Noninterest income to average assets | 0.1779% | 6,813 |
| Noninterest expense to average assets | 6.1686% | 291 |
| Loan and lease loss provision to assets | 7.1821% | 62 |
| Net operating income to assets | -8.7743% | 7,954 |
| Return on assets (ROA) | -8.6179% | 7,949 |
| Pretax return on assets | -10.4715% | 7,972 |
| Return on Equity (ROE) | -79.0907% | 7,859 |
| Retained earnings to average equity (ytd only) | -79.0907% | 7,855 |
| Net charge-offs to loans | 6.3113% | 156 |
| Credit loss provision to net charge-offs | 142.4241% | 3,394 |
| Earnings coverage of net charge-offs (x) | -0.6901% | 6,802 |
| Efficiency ratio | 92.8629% | 1,495 |
| Assets per employee ($millions) | 8.2874% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9498% | 102 |
| Loan loss allowance to noncurrent loans | 43.0587% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 13.1176% | 195 |
| Noncurrent loans to loans | 13.8180% | 213 |
| Net loans and leases to total assets | 72.1875% | 2,708 |
| Net loans and leases to deposits | 82.5952% | 3,523 |
| Net loans and leases to core deposits | 96.2973% | 4,430 |
| Total domestic deposits to total assets | 87.3991% | 2,267 |
| Equity capital to assets | 7.6313% | 6,918 |
| Core capital (leverage) ratio | 5.5876% | 7,696 |
| Tier 1 risk-based capital ratio | 7.4303% | 7,705 |
| Total risk-based capital ratio | 8.7369% | 7,707 |
| Memoranda: | ||
| Average total assets | $1,247,667,200 | 538 |
| Average earning assets | $1,106,003,600 | 547 |
| Average equity | $135,949,000 | 493 |
| Average total loans | $996,901,600 | 477 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9479% | 6,771 |
| Cost of funding earning assets | 2.2017% | 2,412 |
| Net interest margin | 2.7462% | 7,139 |
| Noninterest income to average assets | 0.1705% | 6,991 |
| Noninterest expense to average assets | 2.4687% | 6,183 |
| Loan and lease loss provision to assets | 7.2387% | 62 |
| Net operating income to assets | -4.3351% | 7,782 |
| Return on assets (ROA) | -4.2406% | 7,776 |
| Pretax return on assets | -6.9509% | 7,957 |
| Return on Equity (ROE) | -36.3834% | 7,717 |
| Retained earnings to average equity (ytd only) | -36.3834% | 7,708 |
| Net charge-offs to loans | 6.6873% | 119 |
| Credit loss provision to net charge-offs | 134.2452% | 3,713 |
| Earnings coverage of net charge-offs (x) | 0.0260% | 6,026 |
| Efficiency ratio | 89.0872% | 1,776 |
| Assets per employee ($millions) | 9.0140% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6901% | 175 |
| Loan loss allowance to noncurrent loans | 36.3934% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 10.5615% | 307 |
| Noncurrent loans to loans | 12.8871% | 231 |
| Net loans and leases to total assets | 70.2748% | 3,445 |
| Net loans and leases to deposits | 84.0625% | 3,630 |
| Net loans and leases to core deposits | 95.6654% | 4,846 |
| Total domestic deposits to total assets | 83.5982% | 3,907 |
| Equity capital to assets | 11.8805% | 2,304 |
| Core capital (leverage) ratio | 7.6799% | 6,756 |
| Tier 1 risk-based capital ratio | 9.2289% | 7,525 |
| Total risk-based capital ratio | 10.5205% | 7,495 |
| Memoranda: | ||
| Average total assets | $1,265,381,750 | 546 |
| Average earning assets | $1,123,570,250 | 553 |
| Average equity | $147,484,750 | 466 |
| Average total loans | $1,020,314,250 | 487 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0341% | 6,664 |
| Cost of funding earning assets | 2.2613% | 2,521 |
| Net interest margin | 2.7728% | 7,066 |
| Noninterest income to average assets | 0.1794% | 7,013 |
| Noninterest expense to average assets | 2.2382% | 6,956 |
| Loan and lease loss provision to assets | 8.5407% | 57 |
| Net operating income to assets | -4.9618% | 7,928 |
| Return on assets (ROA) | -4.8380% | 7,915 |
| Pretax return on assets | -7.9317% | 8,051 |
| Return on Equity (ROE) | -41.7843% | 7,858 |
| Retained earnings to average equity (ytd only) | -41.7843% | 7,845 |
| Net charge-offs to loans | 6.7316% | 141 |
| Credit loss provision to net charge-offs | 152.8782% | 3,009 |
| Earnings coverage of net charge-offs (x) | 0.0744% | 5,605 |
| Efficiency ratio | 78.7726% | 3,220 |
| Assets per employee ($millions) | 8.2702% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5864% | 162 |
| Loan loss allowance to noncurrent loans | 42.2687% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 9.3932% | 342 |
| Noncurrent loans to loans | 10.8507% | 289 |
| Net loans and leases to total assets | 78.0721% | 1,727 |
| Net loans and leases to deposits | 97.6000% | 1,582 |
| Net loans and leases to core deposits | 114.6443% | 2,838 |
| Total domestic deposits to total assets | 79.9918% | 5,483 |
| Equity capital to assets | 11.1752% | 2,770 |
| Core capital (leverage) ratio | 6.6645% | 7,717 |
| Tier 1 risk-based capital ratio | 7.9092% | 7,923 |
| Total risk-based capital ratio | 9.1997% | 7,937 |
| Memoranda: | ||
| Average total assets | $1,257,509,330 | 559 |
| Average earning assets | $1,122,187,000 | 566 |
| Average equity | $145,600,000 | 479 |
| Average total loans | $1,043,613,670 | 488 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0540% | 6,779 |
| Cost of funding earning assets | 2.2932% | 2,732 |
| Net interest margin | 2.7609% | 7,072 |
| Noninterest income to average assets | 0.1946% | 6,904 |
| Noninterest expense to average assets | 2.0119% | 7,325 |
| Loan and lease loss provision to assets | 2.4092% | 484 |
| Net operating income to assets | -1.0581% | 7,289 |
| Return on assets (ROA) | -0.8755% | 7,202 |
| Pretax return on assets | -1.4568% | 7,349 |
| Return on Equity (ROE) | -7.4380% | 7,186 |
| Retained earnings to average equity (ytd only) | -7.4380% | 6,847 |
| Net charge-offs to loans | 2.6767% | 500 |
| Credit loss provision to net charge-offs | 107.7375% | 3,555 |
| Earnings coverage of net charge-offs (x) | 0.2983% | 4,738 |
| Efficiency ratio | 69.5749% | 4,661 |
| Assets per employee ($millions) | 9.2645% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6201% | 672 |
| Loan loss allowance to noncurrent loans | 40.0985% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 6.0148% | 657 |
| Noncurrent loans to loans | 6.5341% | 673 |
| Net loans and leases to total assets | 80.8302% | 1,230 |
| Net loans and leases to deposits | 103.9111% | 1,012 |
| Net loans and leases to core deposits | 124.7754% | 2,010 |
| Total domestic deposits to total assets | 77.7878% | 6,081 |
| Equity capital to assets | 11.7420% | 2,413 |
| Core capital (leverage) ratio | 8.1009% | 6,287 |
| Tier 1 risk-based capital ratio | 9.2599% | 7,618 |
| Total risk-based capital ratio | 10.5263% | 7,582 |
| Memoranda: | ||
| Average total assets | $1,278,407,000 | 554 |
| Average earning assets | $1,150,368,500 | 563 |
| Average equity | $150,470,500 | 465 |
| Average total loans | $1,068,042,000 | 493 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3452% | 3,713 |
| Cost of funding earning assets | 2.9775% | 1,954 |
| Net interest margin | 3.3677% | 5,794 |
| Noninterest income to average assets | 0.1587% | 7,286 |
| Noninterest expense to average assets | 4.9519% | 638 |
| Loan and lease loss provision to assets | 1.6742% | 778 |
| Net operating income to assets | -3.4303% | 7,900 |
| Return on assets (ROA) | -3.3786% | 7,874 |
| Pretax return on assets | -3.4780% | 7,807 |
| Return on Equity (ROE) | -23.2171% | 7,833 |
| Retained earnings to average equity (ytd only) | -23.2171% | 7,768 |
| Net charge-offs to loans | 0.3306% | 3,191 |
| Credit loss provision to net charge-offs | 637.4769% | 670 |
| Earnings coverage of net charge-offs (x) | -7.0716% | 6,868 |
| Efficiency ratio | 49.2474% | 7,713 |
| Assets per employee ($millions) | 9.8289% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4987% | 683 |
| Loan loss allowance to noncurrent loans | 40.0308% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 5.5026% | 588 |
| Noncurrent loans to loans | 6.2420% | 536 |
| Net loans and leases to total assets | 81.9760% | 1,236 |
| Net loans and leases to deposits | 110.8578% | 776 |
| Net loans and leases to core deposits | 133.5494% | 1,624 |
| Total domestic deposits to total assets | 73.9470% | 6,665 |
| Equity capital to assets | 11.7979% | 2,432 |
| Core capital (leverage) ratio | 7.9206% | 6,618 |
| Tier 1 risk-based capital ratio | 9.2098% | 7,604 |
| Total risk-based capital ratio | 10.4745% | 7,540 |
| Memoranda: | ||
| Average total assets | $1,234,462,600 | 547 |
| Average earning assets | $1,076,215,800 | 566 |
| Average equity | $179,639,400 | 403 |
| Average total loans | $980,596,000 | 503 |