Home > First International Bank > Performance and Condition Ratios
First International 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 | 4.5141% | 5,315 |
| Cost of funding earning assets | 1.2262% | 2,405 |
| Net interest margin | 3.2879% | 5,894 |
| Noninterest income to average assets | -0.4226% | 7,417 |
| Noninterest expense to average assets | 4.7899% | 441 |
| Loan and lease loss provision to assets | 0.0663% | 5,477 |
| Net operating income to assets | -2.4699% | 7,260 |
| Return on assets (ROA) | -2.4699% | 7,266 |
| Pretax return on assets | -2.4699% | 7,246 |
| Return on Equity (ROE) | -94.5164% | 7,435 |
| Retained earnings to average equity (ytd only) | -94.5164% | 7,433 |
| Net charge-offs to loans | -0.1425% | 7,244 |
| Credit loss provision to net charge-offs | -61.3497% | 6,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 200.7228% | 63 |
| Assets per employee ($millions) | 3.5282% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6300% | 40 |
| Loan loss allowance to noncurrent loans | 30.0279% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 23.3528% | 37 |
| Noncurrent loans to loans | 25.4098% | 30 |
| Net loans and leases to total assets | 72.7630% | 1,637 |
| Net loans and leases to deposits | 83.6163% | 2,167 |
| Net loans and leases to core deposits | 85.4387% | 3,005 |
| Total domestic deposits to total assets | 87.0200% | 2,728 |
| Equity capital to assets | 2.7601% | 7,440 |
| Core capital (leverage) ratio | 2.4380% | 7,456 |
| Tier 1 risk-based capital ratio | 3.2659% | 7,454 |
| Total risk-based capital ratio | 4.5881% | 7,455 |
| Memoranda: | ||
| Average total assets | $301,464,670 | 2,137 |
| Average earning assets | $257,551,000 | 2,277 |
| Average equity | $7,878,000 | 5,656 |
| Average total loans | $228,703,670 | 1,853 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5733% | 5,058 |
| Cost of funding earning assets | 1.2172% | 2,706 |
| Net interest margin | 3.3561% | 5,591 |
| Noninterest income to average assets | -2.1358% | 7,560 |
| Noninterest expense to average assets | 4.6978% | 484 |
| Loan and lease loss provision to assets | 0.1204% | 4,508 |
| Net operating income to assets | -4.0694% | 7,448 |
| Return on assets (ROA) | -4.0694% | 7,451 |
| Pretax return on assets | -4.0694% | 7,438 |
| Return on Equity (ROE) | -158.9466% | 7,527 |
| Retained earnings to average equity (ytd only) | -158.9466% | 7,522 |
| Net charge-offs to loans | -0.3186% | 7,347 |
| Credit loss provision to net charge-offs | -50.5051% | 5,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 627.3312% | 5 |
| Assets per employee ($millions) | 3.8223% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9990% | 101 |
| Loan loss allowance to noncurrent loans | 34.2008% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 16.1687% | 130 |
| Noncurrent loans to loans | 17.5404% | 97 |
| Net loans and leases to total assets | 70.5563% | 2,019 |
| Net loans and leases to deposits | 82.6731% | 2,241 |
| Net loans and leases to core deposits | 83.9609% | 3,166 |
| Total domestic deposits to total assets | 85.3437% | 3,869 |
| Equity capital to assets | 2.1693% | 7,524 |
| Core capital (leverage) ratio | 2.0886% | 7,527 |
| Tier 1 risk-based capital ratio | 2.7473% | 7,532 |
| Total risk-based capital ratio | 4.0501% | 7,532 |
| Memoranda: | ||
| Average total assets | $332,239,000 | 1,974 |
| Average earning assets | $285,567,500 | 2,077 |
| Average equity | $8,506,000 | 5,460 |
| Average total loans | $248,560,500 | 1,736 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8322% | 5,304 |
| Cost of funding earning assets | 1.3925% | 3,320 |
| Net interest margin | 3.4397% | 5,478 |
| Noninterest income to average assets | -0.0403% | 7,347 |
| Noninterest expense to average assets | 3.6410% | 1,819 |
| Loan and lease loss provision to assets | 6.0027% | 40 |
| Net operating income to assets | -6.6878% | 7,596 |
| Return on assets (ROA) | -6.6878% | 7,600 |
| Pretax return on assets | -6.6878% | 7,602 |
| Return on Equity (ROE) | -115.7046% | 7,608 |
| Retained earnings to average equity (ytd only) | -115.7046% | 7,608 |
| Net charge-offs to loans | 4.5641% | 235 |
| Credit loss provision to net charge-offs | 170.9469% | 1,977 |
| Earnings coverage of net charge-offs (x) | -0.1951% | 6,291 |
| Efficiency ratio | 123.1758% | 378 |
| Assets per employee ($millions) | 3.8585% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5281% | 139 |
| Loan loss allowance to noncurrent loans | 33.2075% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 16.1222% | 132 |
| Noncurrent loans to loans | 16.6471% | 116 |
| Net loans and leases to total assets | 70.4614% | 2,417 |
| Net loans and leases to deposits | 82.7279% | 2,677 |
| Net loans and leases to core deposits | 83.4995% | 3,666 |
| Total domestic deposits to total assets | 85.1724% | 3,767 |
| Equity capital to assets | 2.9257% | 7,568 |
| Core capital (leverage) ratio | 2.7513% | 7,574 |
| Tier 1 risk-based capital ratio | 3.6952% | 7,575 |
| Total risk-based capital ratio | 4.9943% | 7,577 |
| Memoranda: | ||
| Average total assets | $384,343,800 | 1,708 |
| Average earning assets | $334,798,600 | 1,779 |
| Average equity | $22,215,200 | 2,857 |
| Average total loans | $295,700,000 | 1,515 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0085% | 4,775 |
| Cost of funding earning assets | 1.4285% | 3,397 |
| Net interest margin | 3.5801% | 4,972 |
| Noninterest income to average assets | 0.3241% | 5,564 |
| Noninterest expense to average assets | 3.5426% | 1,929 |
| Loan and lease loss provision to assets | 7.7958% | 17 |
| Net operating income to assets | -7.8894% | 7,726 |
| Return on assets (ROA) | -7.8894% | 7,727 |
| Pretax return on assets | -7.8894% | 7,727 |
| Return on Equity (ROE) | -123.2513% | 7,710 |
| Retained earnings to average equity (ytd only) | -123.2513% | 7,710 |
| Net charge-offs to loans | 4.0746% | 293 |
| Credit loss provision to net charge-offs | 247.0393% | 1,355 |
| Earnings coverage of net charge-offs (x) | -0.0297% | 6,054 |
| Efficiency ratio | 102.7138% | 663 |
| Assets per employee ($millions) | 3.6551% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6783% | 75 |
| Loan loss allowance to noncurrent loans | 71.9657% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 11.2980% | 312 |
| Noncurrent loans to loans | 9.2798% | 495 |
| Net loans and leases to total assets | 71.4540% | 2,367 |
| Net loans and leases to deposits | 84.0990% | 2,686 |
| Net loans and leases to core deposits | 84.9966% | 3,800 |
| Total domestic deposits to total assets | 84.9641% | 3,636 |
| Equity capital to assets | 3.4626% | 7,667 |
| Core capital (leverage) ratio | 3.2717% | 7,657 |
| Tier 1 risk-based capital ratio | 4.3321% | 7,675 |
| Total risk-based capital ratio | 5.6457% | 7,674 |
| Memoranda: | ||
| Average total assets | $394,577,750 | 1,696 |
| Average earning assets | $344,417,000 | 1,760 |
| Average equity | $25,257,250 | 2,566 |
| Average total loans | $305,592,750 | 1,487 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0990% | 4,460 |
| Cost of funding earning assets | 1.4631% | 3,473 |
| Net interest margin | 3.6359% | 4,655 |
| Noninterest income to average assets | 0.1220% | 6,991 |
| Noninterest expense to average assets | 3.3287% | 2,470 |
| Loan and lease loss provision to assets | 4.3855% | 156 |
| Net operating income to assets | -4.3953% | 7,654 |
| Return on assets (ROA) | -4.3953% | 7,660 |
| Pretax return on assets | -4.3953% | 7,642 |
| Return on Equity (ROE) | -60.5105% | 7,655 |
| Retained earnings to average equity (ytd only) | -60.5105% | 7,653 |
| Net charge-offs to loans | 1.6764% | 1,118 |
| Credit loss provision to net charge-offs | 336.6553% | 1,080 |
| Earnings coverage of net charge-offs (x) | -0.0076% | 5,724 |
| Efficiency ratio | 100.2963% | 790 |
| Assets per employee ($millions) | 3.8852% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6280% | 500 |
| Loan loss allowance to noncurrent loans | 31.0512% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 12.3857% | 252 |
| Noncurrent loans to loans | 11.6840% | 310 |
| Net loans and leases to total assets | 74.2024% | 1,868 |
| Net loans and leases to deposits | 91.5576% | 1,603 |
| Net loans and leases to core deposits | 92.6186% | 2,899 |
| Total domestic deposits to total assets | 81.0445% | 5,388 |
| Equity capital to assets | 6.9013% | 7,380 |
| Core capital (leverage) ratio | 6.7498% | 7,307 |
| Tier 1 risk-based capital ratio | 8.3666% | 7,493 |
| Total risk-based capital ratio | 9.6431% | 7,503 |
| Memoranda: | ||
| Average total assets | $406,704,670 | 1,667 |
| Average earning assets | $357,596,670 | 1,712 |
| Average equity | $29,542,000 | 2,222 |
| Average total loans | $316,036,330 | 1,457 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9493% | 5,237 |
| Cost of funding earning assets | 1.5123% | 3,477 |
| Net interest margin | 3.4370% | 5,440 |
| Noninterest income to average assets | -0.5532% | 7,867 |
| Noninterest expense to average assets | 3.3728% | 2,308 |
| Loan and lease loss provision to assets | 8.4339% | 50 |
| Net operating income to assets | -9.3209% | 7,889 |
| Return on assets (ROA) | -9.3209% | 7,891 |
| Pretax return on assets | -9.3209% | 7,887 |
| Return on Equity (ROE) | -125.3976% | 7,853 |
| Retained earnings to average equity (ytd only) | -125.3976% | 7,850 |
| Net charge-offs to loans | 2.3385% | 720 |
| Credit loss provision to net charge-offs | 462.1508% | 910 |
| Earnings coverage of net charge-offs (x) | -0.4860% | 5,276 |
| Efficiency ratio | 135.6811% | 286 |
| Assets per employee ($millions) | 3.9695% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6175% | 496 |
| Loan loss allowance to noncurrent loans | 44.5265% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 9.2150% | 469 |
| Noncurrent loans to loans | 8.1243% | 656 |
| Net loans and leases to total assets | 75.3733% | 1,670 |
| Net loans and leases to deposits | 97.9019% | 917 |
| Net loans and leases to core deposits | 99.5914% | 2,171 |
| Total domestic deposits to total assets | 76.9885% | 6,566 |
| Equity capital to assets | 6.4369% | 7,540 |
| Core capital (leverage) ratio | 6.1880% | 7,548 |
| Tier 1 risk-based capital ratio | 7.7478% | 7,639 |
| Total risk-based capital ratio | 9.0056% | 7,645 |
| Memoranda: | ||
| Average total assets | $415,796,500 | 1,678 |
| Average earning assets | $367,645,500 | 1,714 |
| Average equity | $30,906,500 | 2,149 |
| Average total loans | $324,482,000 | 1,453 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7239% | 2,993 |
| Cost of funding earning assets | 2.2117% | 1,980 |
| Net interest margin | 3.5122% | 4,901 |
| Noninterest income to average assets | 0.5901% | 3,701 |
| Noninterest expense to average assets | 3.1430% | 3,573 |
| Loan and lease loss provision to assets | 0.5781% | 3,495 |
| Net operating income to assets | 0.0048% | 5,467 |
| Return on assets (ROA) | 0.0048% | 5,523 |
| Pretax return on assets | 0.0048% | 5,437 |
| Return on Equity (ROE) | 0.0590% | 5,517 |
| Retained earnings to average equity (ytd only) | 0.0590% | 4,874 |
| Net charge-offs to loans | 0.8328% | 2,746 |
| Credit loss provision to net charge-offs | 84.7535% | 6,168 |
| Earnings coverage of net charge-offs (x) | 0.8546% | 5,256 |
| Efficiency ratio | 84.3561% | 2,309 |
| Assets per employee ($millions) | 3.9510% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 4,344 |
| Loan loss allowance to noncurrent loans | 39.8193% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 4.7991% | 1,308 |
| Noncurrent loans to loans | 3.4640% | 2,194 |
| Net loans and leases to total assets | 76.8092% | 1,624 |
| Net loans and leases to deposits | 104.4821% | 627 |
| Net loans and leases to core deposits | 140.5462% | 791 |
| Total domestic deposits to total assets | 73.5142% | 7,084 |
| Equity capital to assets | 8.3783% | 6,086 |
| Core capital (leverage) ratio | 7.9941% | 6,206 |
| Tier 1 risk-based capital ratio | 9.9439% | 6,923 |
| Total risk-based capital ratio | 11.1870% | 6,902 |
| Memoranda: | ||
| Average total assets | $416,390,200 | 1,659 |
| Average earning assets | $371,757,800 | 1,693 |
| Average equity | $33,881,400 | 1,977 |
| Average total loans | $341,018,000 | 1,420 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7562% | 3,078 |
| Cost of funding earning assets | 2.3175% | 1,917 |
| Net interest margin | 3.4386% | 5,120 |
| Noninterest income to average assets | 0.5954% | 3,749 |
| Noninterest expense to average assets | 3.2806% | 2,994 |
| Loan and lease loss provision to assets | 0.7733% | 2,439 |
| Net operating income to assets | -0.3870% | 6,299 |
| Return on assets (ROA) | -0.3870% | 6,297 |
| Pretax return on assets | -0.3870% | 6,183 |
| Return on Equity (ROE) | -4.7923% | 6,426 |
| Retained earnings to average equity (ytd only) | -4.7923% | 6,227 |
| Net charge-offs to loans | 0.8345% | 2,294 |
| Credit loss provision to net charge-offs | 111.7318% | 4,543 |
| Earnings coverage of net charge-offs (x) | 0.5582% | 5,471 |
| Efficiency ratio | 89.4649% | 1,736 |
| Assets per employee ($millions) | 4.0935% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 3,113 |
| Loan loss allowance to noncurrent loans | 44.0773% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 4.0656% | 1,562 |
| Noncurrent loans to loans | 3.5656% | 2,099 |
| Net loans and leases to total assets | 72.6245% | 2,876 |
| Net loans and leases to deposits | 92.7438% | 2,110 |
| Net loans and leases to core deposits | 134.4293% | 1,185 |
| Total domestic deposits to total assets | 78.3066% | 5,999 |
| Equity capital to assets | 7.5994% | 7,219 |
| Core capital (leverage) ratio | 7.7872% | 6,622 |
| Tier 1 risk-based capital ratio | 9.4427% | 7,411 |
| Total risk-based capital ratio | 10.6952% | 7,375 |
| Memoranda: | ||
| Average total assets | $413,810,750 | 1,684 |
| Average earning assets | $369,634,500 | 1,713 |
| Average equity | $33,414,000 | 2,034 |
| Average total loans | $343,188,750 | 1,423 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1332% | 1,677 |
| Cost of funding earning assets | 2.4088% | 1,934 |
| Net interest margin | 3.7244% | 3,855 |
| Noninterest income to average assets | 0.3987% | 5,301 |
| Noninterest expense to average assets | 3.1048% | 3,682 |
| Loan and lease loss provision to assets | 0.2998% | 4,164 |
| Net operating income to assets | 0.3053% | 4,875 |
| Return on assets (ROA) | 0.3053% | 4,989 |
| Pretax return on assets | 0.3053% | 5,199 |
| Return on Equity (ROE) | 3.6983% | 4,622 |
| Retained earnings to average equity (ytd only) | 3.6983% | 3,239 |
| Net charge-offs to loans | 0.5367% | 2,721 |
| Credit loss provision to net charge-offs | 64.6552% | 5,516 |
| Earnings coverage of net charge-offs (x) | 1.3050% | 4,546 |
| Efficiency ratio | 83.6902% | 2,514 |
| Assets per employee ($millions) | 3.7376% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 4,035 |
| Loan loss allowance to noncurrent loans | 43.3885% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 2.7394% | 2,347 |
| Noncurrent loans to loans | 3.0893% | 2,324 |
| Net loans and leases to total assets | 81.0009% | 1,142 |
| Net loans and leases to deposits | 105.0841% | 824 |
| Net loans and leases to core deposits | 158.7566% | 474 |
| Total domestic deposits to total assets | 77.0820% | 6,301 |
| Equity capital to assets | 7.8252% | 6,947 |
| Core capital (leverage) ratio | 8.1718% | 6,027 |
| Tier 1 risk-based capital ratio | 8.9039% | 7,742 |
| Total risk-based capital ratio | 10.1539% | 7,779 |
| Memoranda: | ||
| Average total assets | $400,288,670 | 1,754 |
| Average earning assets | $355,867,670 | 1,790 |
| Average equity | $33,042,000 | 2,056 |
| Average total loans | $345,832,330 | 1,443 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2448% | 1,459 |
| Cost of funding earning assets | 2.6101% | 1,531 |
| Net interest margin | 3.6347% | 4,169 |
| Noninterest income to average assets | 0.6133% | 3,450 |
| Noninterest expense to average assets | 3.1503% | 3,191 |
| Loan and lease loss provision to assets | 0.3098% | 3,483 |
| Net operating income to assets | 0.3325% | 5,151 |
| Return on assets (ROA) | 0.3325% | 5,341 |
| Pretax return on assets | 0.3325% | 5,586 |
| Return on Equity (ROE) | 3.9158% | 4,975 |
| Retained earnings to average equity (ytd only) | 3.9158% | 3,717 |
| Net charge-offs to loans | 0.2815% | 2,988 |
| Credit loss provision to net charge-offs | 123.9669% | 3,202 |
| Earnings coverage of net charge-offs (x) | 2.5702% | 3,469 |
| Efficiency ratio | 83.0656% | 2,404 |
| Assets per employee ($millions) | 3.5116% | 4,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 3,187 |
| Loan loss allowance to noncurrent loans | 41.4320% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 4.6808% | 1,005 |
| Noncurrent loans to loans | 3.5177% | 1,809 |
| Net loans and leases to total assets | 88.0314% | 261 |
| Net loans and leases to deposits | 113.9121% | 451 |
| Net loans and leases to core deposits | 170.3977% | 336 |
| Total domestic deposits to total assets | 77.2802% | 6,211 |
| Equity capital to assets | 8.4798% | 6,108 |
| Core capital (leverage) ratio | 8.4102% | 5,703 |
| Tier 1 risk-based capital ratio | 8.7387% | 7,897 |
| Total risk-based capital ratio | 9.9897% | 7,962 |
| Memoranda: | ||
| Average total assets | $387,391,000 | 1,815 |
| Average earning assets | $338,842,000 | 1,880 |
| Average equity | $32,892,000 | 2,058 |
| Average total loans | $343,838,000 | 1,463 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1125% | 894 |
| Cost of funding earning assets | 3.1018% | 1,500 |
| Net interest margin | 4.0108% | 3,064 |
| Noninterest income to average assets | 0.7916% | 2,566 |
| Noninterest expense to average assets | 3.3816% | 2,731 |
| Loan and lease loss provision to assets | 0.6625% | 2,189 |
| Net operating income to assets | 0.2227% | 5,783 |
| Return on assets (ROA) | 0.2227% | 5,608 |
| Pretax return on assets | 0.2227% | 5,680 |
| Return on Equity (ROE) | 2.4452% | 5,443 |
| Retained earnings to average equity (ytd only) | -0.9905% | 5,591 |
| Net charge-offs to loans | 0.0393% | 6,240 |
| Credit loss provision to net charge-offs | 1,926.2295% | 234 |
| Earnings coverage of net charge-offs (x) | 25.7377% | 1,318 |
| Efficiency ratio | 79.2548% | 2,716 |
| Assets per employee ($millions) | 3.3771% | 5,008 |
| Cash dividends to net income (ytd only)* | 140.5063% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 2,796 |
| Loan loss allowance to noncurrent loans | 74.8136% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 2.6432% | 1,810 |
| Noncurrent loans to loans | 1.9755% | 2,794 |
| Net loans and leases to total assets | 86.8710% | 482 |
| Net loans and leases to deposits | 122.7304% | 331 |
| Net loans and leases to core deposits | 168.0927% | 438 |
| Total domestic deposits to total assets | 70.7820% | 7,192 |
| Equity capital to assets | 8.5017% | 6,078 |
| Core capital (leverage) ratio | 8.4910% | 5,594 |
| Tier 1 risk-based capital ratio | 8.7863% | 7,917 |
| Total risk-based capital ratio | 10.0375% | 7,976 |
| Memoranda: | ||
| Average total assets | $354,740,000 | 1,886 |
| Average earning assets | $307,373,400 | 1,988 |
| Average equity | $32,307,800 | 2,095 |
| Average total loans | $310,614,400 | 1,558 |