Home > First Choice Bank > Performance and Condition Ratios
First Choice 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 | 4.5173% | 5,302 |
| Cost of funding earning assets | 1.3259% | 1,791 |
| Net interest margin | 3.1914% | 6,185 |
| Noninterest income to average assets | 0.5227% | 3,679 |
| Noninterest expense to average assets | 4.2869% | 755 |
| Loan and lease loss provision to assets | 2.9930% | 155 |
| Net operating income to assets | -3.9434% | 7,388 |
| Return on assets (ROA) | -3.9434% | 7,390 |
| Pretax return on assets | -3.9434% | 7,385 |
| Return on Equity (ROE) | -132.7556% | 7,460 |
| Retained earnings to average equity (ytd only) | -132.7556% | 7,460 |
| Net charge-offs to loans | 2.1342% | 605 |
| Credit loss provision to net charge-offs | 186.0215% | 1,619 |
| Earnings coverage of net charge-offs (x) | -0.5906% | 5,551 |
| Efficiency ratio | 128.4815% | 267 |
| Assets per employee ($millions) | 5.0363% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8036% | 108 |
| Loan loss allowance to noncurrent loans | 56.7204% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 15.6642% | 131 |
| Noncurrent loans to loans | 10.2319% | 372 |
| Net loans and leases to total assets | 70.8664% | 2,039 |
| Net loans and leases to deposits | 72.8295% | 3,978 |
| Net loans and leases to core deposits | 84.1151% | 3,195 |
| Total domestic deposits to total assets | 97.3046% | 13 |
| Equity capital to assets | 2.2288% | 7,467 |
| Core capital (leverage) ratio | 2.1530% | 7,468 |
| Tier 1 risk-based capital ratio | 3.0357% | 7,466 |
| Total risk-based capital ratio | 4.3526% | 7,466 |
| Memoranda: | ||
| Average total assets | $161,841,670 | 3,655 |
| Average earning assets | $142,695,330 | 3,750 |
| Average equity | $4,807,330 | 6,597 |
| Average total loans | $122,013,000 | 3,190 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 5,564 |
| Cost of funding earning assets | 1.3465% | 1,910 |
| Net interest margin | 3.0912% | 6,370 |
| Noninterest income to average assets | 1.0101% | 1,298 |
| Noninterest expense to average assets | 4.6164% | 526 |
| Loan and lease loss provision to assets | 2.3338% | 224 |
| Net operating income to assets | -3.1999% | 7,407 |
| Return on assets (ROA) | -3.1999% | 7,411 |
| Pretax return on assets | -3.1999% | 7,393 |
| Return on Equity (ROE) | -97.7392% | 7,495 |
| Retained earnings to average equity (ytd only) | -97.7392% | 7,490 |
| Net charge-offs to loans | 3.1298% | 338 |
| Credit loss provision to net charge-offs | 98.8201% | 2,766 |
| Earnings coverage of net charge-offs (x) | -0.3668% | 4,753 |
| Efficiency ratio | 123.0960% | 316 |
| Assets per employee ($millions) | 4.9876% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4660% | 292 |
| Loan loss allowance to noncurrent loans | 44.3395% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 14.8148% | 163 |
| Noncurrent loans to loans | 10.0723% | 402 |
| Net loans and leases to total assets | 71.8400% | 1,753 |
| Net loans and leases to deposits | 74.6612% | 3,658 |
| Net loans and leases to core deposits | 86.0039% | 2,871 |
| Total domestic deposits to total assets | 96.2213% | 26 |
| Equity capital to assets | 3.3136% | 7,473 |
| Core capital (leverage) ratio | 2.8679% | 7,487 |
| Tier 1 risk-based capital ratio | 4.4859% | 7,475 |
| Total risk-based capital ratio | 5.7853% | 7,475 |
| Memoranda: | ||
| Average total assets | $172,254,500 | 3,515 |
| Average earning assets | $152,691,000 | 3,597 |
| Average equity | $5,639,500 | 6,353 |
| Average total loans | $129,974,500 | 3,065 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0800% | 4,186 |
| Cost of funding earning assets | 1.5381% | 2,415 |
| Net interest margin | 3.5419% | 5,068 |
| Noninterest income to average assets | 0.8807% | 1,919 |
| Noninterest expense to average assets | 5.1808% | 370 |
| Loan and lease loss provision to assets | 3.1002% | 295 |
| Net operating income to assets | -4.8516% | 7,525 |
| Return on assets (ROA) | -4.7264% | 7,521 |
| Pretax return on assets | -4.0850% | 7,449 |
| Return on Equity (ROE) | -85.4637% | 7,567 |
| Retained earnings to average equity (ytd only) | -85.4637% | 7,565 |
| Net charge-offs to loans | 2.3343% | 825 |
| Credit loss provision to net charge-offs | 162.1891% | 2,143 |
| Earnings coverage of net charge-offs (x) | -0.5807% | 6,493 |
| Efficiency ratio | 127.2680% | 340 |
| Assets per employee ($millions) | 4.3307% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4165% | 626 |
| Loan loss allowance to noncurrent loans | 37.7558% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 13.0238% | 226 |
| Noncurrent loans to loans | 9.0489% | 512 |
| Net loans and leases to total assets | 73.0673% | 1,856 |
| Net loans and leases to deposits | 75.8970% | 3,856 |
| Net loans and leases to core deposits | 85.7977% | 3,347 |
| Total domestic deposits to total assets | 96.2716% | 31 |
| Equity capital to assets | 3.2435% | 7,547 |
| Core capital (leverage) ratio | 3.1892% | 7,544 |
| Tier 1 risk-based capital ratio | 4.4555% | 7,546 |
| Total risk-based capital ratio | 5.7404% | 7,548 |
| Memoranda: | ||
| Average total assets | $189,277,200 | 3,239 |
| Average earning assets | $170,471,200 | 3,270 |
| Average equity | $10,467,600 | 4,991 |
| Average total loans | $154,995,400 | 2,682 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3207% | 3,249 |
| Cost of funding earning assets | 1.5593% | 2,610 |
| Net interest margin | 3.7614% | 4,129 |
| Noninterest income to average assets | 0.5699% | 3,650 |
| Noninterest expense to average assets | 5.1742% | 328 |
| Loan and lease loss provision to assets | 3.2822% | 239 |
| Net operating income to assets | -5.2835% | 7,666 |
| Return on assets (ROA) | -5.1153% | 7,665 |
| Pretax return on assets | -4.3254% | 7,594 |
| Return on Equity (ROE) | -83.5381% | 7,665 |
| Retained earnings to average equity (ytd only) | -83.5381% | 7,665 |
| Net charge-offs to loans | 1.0768% | 1,881 |
| Credit loss provision to net charge-offs | 365.0355% | 850 |
| Earnings coverage of net charge-offs (x) | -1.3473% | 6,489 |
| Efficiency ratio | 130.5695% | 293 |
| Assets per employee ($millions) | 4.1135% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9234% | 393 |
| Loan loss allowance to noncurrent loans | 41.3093% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 13.1760% | 220 |
| Noncurrent loans to loans | 9.4975% | 471 |
| Net loans and leases to total assets | 77.8463% | 1,065 |
| Net loans and leases to deposits | 83.9979% | 2,705 |
| Net loans and leases to core deposits | 96.9024% | 2,159 |
| Total domestic deposits to total assets | 92.6765% | 122 |
| Equity capital to assets | 4.1761% | 7,631 |
| Core capital (leverage) ratio | 4.2899% | 7,606 |
| Tier 1 risk-based capital ratio | 5.3790% | 7,626 |
| Total risk-based capital ratio | 6.6192% | 7,628 |
| Memoranda: | ||
| Average total assets | $187,876,000 | 3,304 |
| Average earning assets | $169,472,250 | 3,331 |
| Average equity | $11,504,250 | 4,808 |
| Average total loans | $156,886,250 | 2,702 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4225% | 2,878 |
| Cost of funding earning assets | 1.6233% | 2,525 |
| Net interest margin | 3.7992% | 3,893 |
| Noninterest income to average assets | 0.4010% | 4,909 |
| Noninterest expense to average assets | 5.7327% | 241 |
| Loan and lease loss provision to assets | 3.8483% | 206 |
| Net operating income to assets | -6.9323% | 7,771 |
| Return on assets (ROA) | -6.9323% | 7,774 |
| Pretax return on assets | -5.7359% | 7,715 |
| Return on Equity (ROE) | -101.9793% | 7,737 |
| Retained earnings to average equity (ytd only) | -101.9793% | 7,736 |
| Net charge-offs to loans | 1.3251% | 1,432 |
| Credit loss provision to net charge-offs | 344.2308% | 1,061 |
| Earnings coverage of net charge-offs (x) | -1.6885% | 6,191 |
| Efficiency ratio | 149.0914% | 213 |
| Assets per employee ($millions) | 4.1321% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4697% | 555 |
| Loan loss allowance to noncurrent loans | 47.5031% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 11.7153% | 284 |
| Noncurrent loans to loans | 7.3041% | 745 |
| Net loans and leases to total assets | 81.5140% | 594 |
| Net loans and leases to deposits | 88.6175% | 2,073 |
| Net loans and leases to core deposits | 99.1026% | 2,111 |
| Total domestic deposits to total assets | 91.9841% | 222 |
| Equity capital to assets | 4.9468% | 7,639 |
| Core capital (leverage) ratio | 4.8008% | 7,622 |
| Tier 1 risk-based capital ratio | 5.9704% | 7,662 |
| Total risk-based capital ratio | 7.2535% | 7,664 |
| Memoranda: | ||
| Average total assets | $186,056,000 | 3,361 |
| Average earning assets | $168,669,000 | 3,367 |
| Average equity | $12,647,670 | 4,512 |
| Average total loans | $156,964,670 | 2,736 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3181% | 3,456 |
| Cost of funding earning assets | 1.7649% | 2,038 |
| Net interest margin | 3.5532% | 4,934 |
| Noninterest income to average assets | 0.3337% | 5,474 |
| Noninterest expense to average assets | 4.8018% | 434 |
| Loan and lease loss provision to assets | 4.8295% | 167 |
| Net operating income to assets | -3.7582% | 7,699 |
| Return on assets (ROA) | -3.7582% | 7,702 |
| Pretax return on assets | -6.0581% | 7,803 |
| Return on Equity (ROE) | -48.8583% | 7,706 |
| Retained earnings to average equity (ytd only) | -48.8583% | 7,696 |
| Net charge-offs to loans | 2.1653% | 786 |
| Credit loss provision to net charge-offs | 264.4936% | 1,487 |
| Earnings coverage of net charge-offs (x) | -0.6729% | 5,336 |
| Efficiency ratio | 134.3843% | 294 |
| Assets per employee ($millions) | 4.1246% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7009% | 1,085 |
| Loan loss allowance to noncurrent loans | 32.7946% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 11.0296% | 330 |
| Noncurrent loans to loans | 8.2358% | 644 |
| Net loans and leases to total assets | 81.5176% | 642 |
| Net loans and leases to deposits | 91.0039% | 1,761 |
| Net loans and leases to core deposits | 101.2080% | 2,005 |
| Total domestic deposits to total assets | 89.5759% | 1,190 |
| Equity capital to assets | 7.3423% | 7,185 |
| Core capital (leverage) ratio | 6.5072% | 7,466 |
| Tier 1 risk-based capital ratio | 7.8413% | 7,632 |
| Total risk-based capital ratio | 9.1158% | 7,637 |
| Memoranda: | ||
| Average total assets | $188,177,500 | 3,386 |
| Average earning assets | $171,564,500 | 3,376 |
| Average equity | $14,474,500 | 4,130 |
| Average total loans | $158,682,000 | 2,770 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6213% | 3,493 |
| Cost of funding earning assets | 2.5346% | 936 |
| Net interest margin | 3.0866% | 6,413 |
| Noninterest income to average assets | 0.4235% | 5,020 |
| Noninterest expense to average assets | 3.1690% | 3,479 |
| Loan and lease loss provision to assets | 0.7371% | 2,903 |
| Net operating income to assets | -0.3799% | 6,056 |
| Return on assets (ROA) | -0.2454% | 5,893 |
| Pretax return on assets | -0.3884% | 5,905 |
| Return on Equity (ROE) | -3.1862% | 6,013 |
| Retained earnings to average equity (ytd only) | -3.1862% | 5,733 |
| Net charge-offs to loans | 1.1864% | 2,066 |
| Credit loss provision to net charge-offs | 73.5972% | 6,423 |
| Earnings coverage of net charge-offs (x) | 0.1383% | 6,022 |
| Efficiency ratio | 95.8131% | 1,320 |
| Assets per employee ($millions) | 5.1553% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7219% | 2,824 |
| Loan loss allowance to noncurrent loans | 20.7939% | 7,023 |
| Noncurrent assets plus other real estate owned to assets | 8.4353% | 505 |
| Noncurrent loans to loans | 8.2806% | 584 |
| Net loans and leases to total assets | 83.3952% | 501 |
| Net loans and leases to deposits | 93.7102% | 1,639 |
| Net loans and leases to core deposits | 123.0958% | 1,706 |
| Total domestic deposits to total assets | 88.9927% | 1,487 |
| Equity capital to assets | 8.0321% | 6,544 |
| Core capital (leverage) ratio | 7.3967% | 6,891 |
| Tier 1 risk-based capital ratio | 9.4169% | 7,272 |
| Total risk-based capital ratio | 10.6795% | 7,248 |
| Memoranda: | ||
| Average total assets | $199,304,600 | 3,190 |
| Average earning assets | $186,221,600 | 3,143 |
| Average equity | $15,347,400 | 4,005 |
| Average total loans | $168,233,800 | 2,648 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5709% | 4,028 |
| Cost of funding earning assets | 2.6111% | 1,005 |
| Net interest margin | 2.9598% | 6,705 |
| Noninterest income to average assets | 0.4176% | 5,151 |
| Noninterest expense to average assets | 3.1320% | 3,531 |
| Loan and lease loss provision to assets | 0.9723% | 1,976 |
| Net operating income to assets | -0.5765% | 6,505 |
| Return on assets (ROA) | -0.4613% | 6,390 |
| Pretax return on assets | -0.7367% | 6,508 |
| Return on Equity (ROE) | -6.0526% | 6,560 |
| Retained earnings to average equity (ytd only) | -6.0526% | 6,393 |
| Net charge-offs to loans | 1.4571% | 1,413 |
| Credit loss provision to net charge-offs | 79.1487% | 5,789 |
| Earnings coverage of net charge-offs (x) | 0.0453% | 6,005 |
| Efficiency ratio | 98.2558% | 1,151 |
| Assets per employee ($millions) | 5.5071% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6917% | 2,659 |
| Loan loss allowance to noncurrent loans | 18.2011% | 7,188 |
| Noncurrent assets plus other real estate owned to assets | 8.7289% | 454 |
| Noncurrent loans to loans | 9.2944% | 461 |
| Net loans and leases to total assets | 78.5589% | 1,473 |
| Net loans and leases to deposits | 88.6809% | 2,838 |
| Net loans and leases to core deposits | 120.1648% | 2,226 |
| Total domestic deposits to total assets | 88.5861% | 1,396 |
| Equity capital to assets | 7.1610% | 7,516 |
| Core capital (leverage) ratio | 6.9101% | 7,484 |
| Tier 1 risk-based capital ratio | 8.8648% | 7,664 |
| Total risk-based capital ratio | 10.1256% | 7,683 |
| Memoranda: | ||
| Average total assets | $201,444,250 | 3,190 |
| Average earning assets | $188,523,250 | 3,131 |
| Average equity | $15,354,000 | 4,037 |
| Average total loans | $169,827,250 | 2,649 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6702% | 3,714 |
| Cost of funding earning assets | 2.6746% | 1,093 |
| Net interest margin | 2.9956% | 6,564 |
| Noninterest income to average assets | 0.4386% | 4,944 |
| Noninterest expense to average assets | 3.2238% | 3,257 |
| Loan and lease loss provision to assets | 1.4776% | 1,164 |
| Net operating income to assets | -0.9101% | 6,903 |
| Return on assets (ROA) | -0.8007% | 6,833 |
| Pretax return on assets | -1.2855% | 6,981 |
| Return on Equity (ROE) | -10.2865% | 7,055 |
| Retained earnings to average equity (ytd only) | -10.2865% | 6,898 |
| Net charge-offs to loans | 1.9321% | 969 |
| Credit loss provision to net charge-offs | 89.0843% | 4,952 |
| Earnings coverage of net charge-offs (x) | 0.0127% | 5,672 |
| Efficiency ratio | 99.3490% | 1,206 |
| Assets per employee ($millions) | 5.4367% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 2,046 |
| Loan loss allowance to noncurrent loans | 26.9190% | 6,700 |
| Noncurrent assets plus other real estate owned to assets | 6.0607% | 799 |
| Noncurrent loans to loans | 6.6816% | 768 |
| Net loans and leases to total assets | 80.2608% | 1,266 |
| Net loans and leases to deposits | 90.7660% | 2,705 |
| Net loans and leases to core deposits | 125.1965% | 1,933 |
| Total domestic deposits to total assets | 88.4261% | 1,560 |
| Equity capital to assets | 7.1885% | 7,492 |
| Core capital (leverage) ratio | 6.9167% | 7,590 |
| Tier 1 risk-based capital ratio | 8.6786% | 7,819 |
| Total risk-based capital ratio | 9.9423% | 7,858 |
| Memoranda: | ||
| Average total assets | $198,835,330 | 3,242 |
| Average earning assets | $186,270,670 | 3,189 |
| Average equity | $15,476,670 | 4,021 |
| Average total loans | $170,693,000 | 2,677 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7460% | 3,552 |
| Cost of funding earning assets | 2.7096% | 1,243 |
| Net interest margin | 3.0364% | 6,389 |
| Noninterest income to average assets | 0.7181% | 2,773 |
| Noninterest expense to average assets | 3.1679% | 3,124 |
| Loan and lease loss provision to assets | 0.3591% | 3,166 |
| Net operating income to assets | 0.0209% | 6,203 |
| Return on assets (ROA) | 0.2442% | 5,675 |
| Pretax return on assets | 0.4001% | 5,398 |
| Return on Equity (ROE) | 3.0147% | 5,367 |
| Retained earnings to average equity (ytd only) | 3.0147% | 4,200 |
| Net charge-offs to loans | 1.9882% | 725 |
| Credit loss provision to net charge-offs | 20.5158% | 5,069 |
| Earnings coverage of net charge-offs (x) | 0.2345% | 4,796 |
| Efficiency ratio | 88.5321% | 1,843 |
| Assets per employee ($millions) | 5.3796% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 2,925 |
| Loan loss allowance to noncurrent loans | 24.3767% | 6,947 |
| Noncurrent assets plus other real estate owned to assets | 5.8660% | 695 |
| Noncurrent loans to loans | 6.1943% | 750 |
| Net loans and leases to total assets | 86.1837% | 423 |
| Net loans and leases to deposits | 98.4674% | 1,602 |
| Net loans and leases to core deposits | 141.7314% | 1,024 |
| Total domestic deposits to total assets | 87.5251% | 1,958 |
| Equity capital to assets | 7.9413% | 6,896 |
| Core capital (leverage) ratio | 8.0573% | 6,369 |
| Tier 1 risk-based capital ratio | 9.3726% | 7,527 |
| Total risk-based capital ratio | 10.5977% | 7,512 |
| Memoranda: | ||
| Average total assets | $194,956,000 | 3,297 |
| Average earning assets | $183,640,500 | 3,241 |
| Average equity | $15,789,500 | 3,987 |
| Average total loans | $171,614,000 | 2,686 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5973% | 2,506 |
| Cost of funding earning assets | 3.3070% | 904 |
| Net interest margin | 3.2903% | 6,072 |
| Noninterest income to average assets | 0.3091% | 6,242 |
| Noninterest expense to average assets | 3.5918% | 2,171 |
| Loan and lease loss provision to assets | 1.4090% | 981 |
| Net operating income to assets | -1.0002% | 7,251 |
| Return on assets (ROA) | -0.9358% | 7,134 |
| Pretax return on assets | -1.5119% | 7,258 |
| Return on Equity (ROE) | -10.5698% | 7,315 |
| Retained earnings to average equity (ytd only) | -10.5698% | 7,120 |
| Net charge-offs to loans | 0.5616% | 2,133 |
| Credit loss provision to net charge-offs | 284.4565% | 1,599 |
| Earnings coverage of net charge-offs (x) | -0.4109% | 6,461 |
| Efficiency ratio | 106.0067% | 812 |
| Assets per employee ($millions) | 4.5444% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9568% | 1,308 |
| Loan loss allowance to noncurrent loans | 33.3804% | 6,497 |
| Noncurrent assets plus other real estate owned to assets | 5.7119% | 545 |
| Noncurrent loans to loans | 5.8621% | 637 |
| Net loans and leases to total assets | 86.8383% | 489 |
| Net loans and leases to deposits | 102.9639% | 1,475 |
| Net loans and leases to core deposits | 144.8014% | 1,064 |
| Total domestic deposits to total assets | 84.3387% | 3,158 |
| Equity capital to assets | 8.2634% | 6,463 |
| Core capital (leverage) ratio | 8.2678% | 6,015 |
| Tier 1 risk-based capital ratio | 9.3685% | 7,437 |
| Total risk-based capital ratio | 10.6186% | 7,370 |
| Memoranda: | ||
| Average total assets | $185,730,200 | 3,328 |
| Average earning assets | $173,814,000 | 3,269 |
| Average equity | $16,443,000 | 3,834 |
| Average total loans | $163,808,800 | 2,717 |