Home > First National Bank > Performance and Condition Ratios
First National 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 | 3.4975% | 7,159 |
| Cost of funding earning assets | 0.6848% | 6,043 |
| Net interest margin | 2.8128% | 6,908 |
| Noninterest income to average assets | 0.8183% | 1,933 |
| Noninterest expense to average assets | 2.2331% | 6,297 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7172% | 3,456 |
| Return on assets (ROA) | 0.7172% | 3,567 |
| Pretax return on assets | 1.1264% | 2,741 |
| Return on Equity (ROE) | 5.3756% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.3756% | 2,760 |
| Net charge-offs to loans | -0.0053% | 6,592 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4710% | 4,782 |
| Assets per employee ($millions) | 4.2047% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3746% | 1,636 |
| Loan loss allowance to noncurrent loans | 1,144.5946% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 6,863 |
| Noncurrent loans to loans | 0.2075% | 6,495 |
| Net loans and leases to total assets | 43.5874% | 6,468 |
| Net loans and leases to deposits | 51.0138% | 6,534 |
| Net loans and leases to core deposits | 54.4272% | 6,533 |
| Total domestic deposits to total assets | 85.4425% | 3,650 |
| Equity capital to assets | 13.7401% | 1,185 |
| Core capital (leverage) ratio | 10.8859% | 2,347 |
| Tier 1 risk-based capital ratio | 18.5387% | 1,998 |
| Total risk-based capital ratio | 19.7730% | 1,956 |
| Memoranda: | ||
| Average total assets | $81,143,670 | 5,520 |
| Average earning assets | $73,308,670 | 5,515 |
| Average equity | $10,826,670 | 4,844 |
| Average total loans | $37,394,000 | 5,919 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5401% | 7,186 |
| Cost of funding earning assets | 0.7341% | 5,956 |
| Net interest margin | 2.8060% | 6,895 |
| Noninterest income to average assets | 0.7827% | 2,102 |
| Noninterest expense to average assets | 2.1866% | 6,451 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7387% | 3,329 |
| Return on assets (ROA) | 0.7387% | 3,393 |
| Pretax return on assets | 1.1202% | 2,680 |
| Return on Equity (ROE) | 5.6178% | 4,103 |
| Retained earnings to average equity (ytd only) | 5.6178% | 2,840 |
| Net charge-offs to loans | -0.0105% | 6,377 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1243% | 5,017 |
| Assets per employee ($millions) | 4.0888% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1928% | 1,978 |
| Loan loss allowance to noncurrent loans | 631.3433% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 6,752 |
| Noncurrent loans to loans | 0.3473% | 6,295 |
| Net loans and leases to total assets | 46.1437% | 6,274 |
| Net loans and leases to deposits | 53.6978% | 6,320 |
| Net loans and leases to core deposits | 57.1719% | 6,331 |
| Total domestic deposits to total assets | 85.9321% | 3,558 |
| Equity capital to assets | 13.2412% | 1,282 |
| Core capital (leverage) ratio | 10.5518% | 2,560 |
| Tier 1 risk-based capital ratio | 17.4735% | 2,305 |
| Total risk-based capital ratio | 18.6813% | 2,293 |
| Memoranda: | ||
| Average total assets | $81,770,500 | 5,531 |
| Average earning assets | $73,557,000 | 5,554 |
| Average equity | $10,751,500 | 4,859 |
| Average total loans | $38,256,500 | 5,928 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 7,146 |
| Cost of funding earning assets | 0.9337% | 6,015 |
| Net interest margin | 3.0562% | 6,629 |
| Noninterest income to average assets | 0.8145% | 2,208 |
| Noninterest expense to average assets | 2.1659% | 6,703 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8720% | 2,497 |
| Return on assets (ROA) | 0.8720% | 2,639 |
| Pretax return on assets | 1.3746% | 1,725 |
| Return on Equity (ROE) | 6.8772% | 3,178 |
| Retained earnings to average equity (ytd only) | 6.8772% | 1,375 |
| Net charge-offs to loans | 0.0747% | 6,053 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 37.4667% | 615 |
| Efficiency ratio | 61.1744% | 5,863 |
| Assets per employee ($millions) | 4.3035% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2276% | 1,826 |
| Loan loss allowance to noncurrent loans | 1,157.5342% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 7,011 |
| Noncurrent loans to loans | 0.1924% | 6,685 |
| Net loans and leases to total assets | 45.3587% | 6,607 |
| Net loans and leases to deposits | 52.6698% | 6,695 |
| Net loans and leases to core deposits | 56.5418% | 6,666 |
| Total domestic deposits to total assets | 86.1189% | 3,295 |
| Equity capital to assets | 13.0555% | 1,371 |
| Core capital (leverage) ratio | 10.3860% | 2,687 |
| Tier 1 risk-based capital ratio | 17.1974% | 2,274 |
| Total risk-based capital ratio | 18.4262% | 2,240 |
| Memoranda: | ||
| Average total assets | $81,767,000 | 5,540 |
| Average earning assets | $72,932,600 | 5,571 |
| Average equity | $10,367,600 | 5,017 |
| Average total loans | $40,157,200 | 5,917 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0722% | 7,224 |
| Cost of funding earning assets | 0.9640% | 6,121 |
| Net interest margin | 3.1082% | 6,594 |
| Noninterest income to average assets | 0.8316% | 2,075 |
| Noninterest expense to average assets | 2.1557% | 6,726 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9148% | 2,551 |
| Return on assets (ROA) | 0.9148% | 2,699 |
| Pretax return on assets | 1.4415% | 1,770 |
| Return on Equity (ROE) | 7.2685% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.2685% | 1,715 |
| Net charge-offs to loans | 0.0229% | 6,352 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 126.3280% | 253 |
| Efficiency ratio | 59.9275% | 5,969 |
| Assets per employee ($millions) | 4.5554% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2319% | 1,737 |
| Loan loss allowance to noncurrent loans | 796.3303% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 7,025 |
| Noncurrent loans to loans | 0.2803% | 6,630 |
| Net loans and leases to total assets | 46.3706% | 6,663 |
| Net loans and leases to deposits | 53.7428% | 6,785 |
| Net loans and leases to core deposits | 57.7269% | 6,747 |
| Total domestic deposits to total assets | 86.2826% | 2,930 |
| Equity capital to assets | 12.8491% | 1,655 |
| Core capital (leverage) ratio | 10.0620% | 3,193 |
| Tier 1 risk-based capital ratio | 16.9455% | 2,362 |
| Total risk-based capital ratio | 18.1748% | 2,328 |
| Memoranda: | ||
| Average total assets | $81,767,250 | 5,608 |
| Average earning assets | $72,752,250 | 5,644 |
| Average equity | $10,290,750 | 5,107 |
| Average total loans | $40,713,250 | 5,973 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 7,259 |
| Cost of funding earning assets | 0.9777% | 6,248 |
| Net interest margin | 3.1450% | 6,474 |
| Noninterest income to average assets | 0.8055% | 2,088 |
| Noninterest expense to average assets | 2.1496% | 6,766 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9205% | 2,468 |
| Return on assets (ROA) | 0.9205% | 2,567 |
| Pretax return on assets | 1.4518% | 1,690 |
| Return on Equity (ROE) | 7.3660% | 3,157 |
| Retained earnings to average equity (ytd only) | 7.3660% | 1,684 |
| Net charge-offs to loans | 0.0387% | 5,821 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 74.1250% | 428 |
| Efficiency ratio | 59.6873% | 6,100 |
| Assets per employee ($millions) | 4.6021% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1370% | 1,888 |
| Loan loss allowance to noncurrent loans | 760.5263% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 7,047 |
| Noncurrent loans to loans | 0.2810% | 6,671 |
| Net loans and leases to total assets | 47.9297% | 6,628 |
| Net loans and leases to deposits | 55.3528% | 6,773 |
| Net loans and leases to core deposits | 58.8862% | 6,775 |
| Total domestic deposits to total assets | 86.5895% | 2,763 |
| Equity capital to assets | 12.5196% | 1,788 |
| Core capital (leverage) ratio | 9.9487% | 3,224 |
| Tier 1 risk-based capital ratio | 16.1201% | 2,620 |
| Total risk-based capital ratio | 17.3471% | 2,591 |
| Memoranda: | ||
| Average total assets | $81,690,330 | 5,640 |
| Average earning assets | $72,622,330 | 5,685 |
| Average equity | $10,209,000 | 5,141 |
| Average total loans | $41,320,670 | 5,993 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1254% | 7,353 |
| Cost of funding earning assets | 0.9726% | 6,501 |
| Net interest margin | 3.1528% | 6,445 |
| Noninterest income to average assets | 0.8136% | 1,952 |
| Noninterest expense to average assets | 2.1599% | 6,782 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9517% | 2,354 |
| Return on assets (ROA) | 0.9517% | 2,421 |
| Pretax return on assets | 1.4991% | 1,519 |
| Return on Equity (ROE) | 7.6224% | 3,059 |
| Retained earnings to average equity (ytd only) | 7.6224% | 1,869 |
| Net charge-offs to loans | 0.0672% | 4,736 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 43.4286% | 637 |
| Efficiency ratio | 59.0296% | 6,336 |
| Assets per employee ($millions) | 4.8094% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0901% | 1,980 |
| Loan loss allowance to noncurrent loans | 257.5668% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4122% | 6,445 |
| Noncurrent loans to loans | 0.8115% | 5,687 |
| Net loans and leases to total assets | 49.7328% | 6,491 |
| Net loans and leases to deposits | 57.4397% | 6,659 |
| Net loans and leases to core deposits | 61.1453% | 6,664 |
| Total domestic deposits to total assets | 86.5825% | 2,858 |
| Equity capital to assets | 12.4843% | 1,769 |
| Core capital (leverage) ratio | 9.9862% | 3,177 |
| Tier 1 risk-based capital ratio | 15.6379% | 2,812 |
| Total risk-based capital ratio | 16.8664% | 2,767 |
| Memoranda: | ||
| Average total assets | $81,116,500 | 5,736 |
| Average earning assets | $73,204,500 | 5,738 |
| Average equity | $10,128,000 | 5,206 |
| Average total loans | $41,695,500 | 6,040 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 7,473 |
| Cost of funding earning assets | 1.3739% | 6,043 |
| Net interest margin | 3.0303% | 6,562 |
| Noninterest income to average assets | 0.7981% | 2,411 |
| Noninterest expense to average assets | 2.0268% | 7,331 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9504% | 2,006 |
| Return on assets (ROA) | 0.9504% | 2,058 |
| Pretax return on assets | 1.4989% | 1,190 |
| Return on Equity (ROE) | 7.6056% | 2,538 |
| Retained earnings to average equity (ytd only) | -13.4702% | 6,780 |
| Net charge-offs to loans | 0.0464% | 6,643 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 65.4500% | 416 |
| Efficiency ratio | 57.4862% | 6,834 |
| Assets per employee ($millions) | 4.4708% | 2,978 |
| Cash dividends to net income (ytd only)* | 277.1084% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0902% | 1,841 |
| Loan loss allowance to noncurrent loans | 217.6617% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4995% | 6,203 |
| Noncurrent loans to loans | 0.9603% | 5,390 |
| Net loans and leases to total assets | 50.9320% | 6,537 |
| Net loans and leases to deposits | 58.8530% | 6,715 |
| Net loans and leases to core deposits | 77.8421% | 6,269 |
| Total domestic deposits to total assets | 86.5410% | 2,736 |
| Equity capital to assets | 12.4873% | 1,758 |
| Core capital (leverage) ratio | 9.3513% | 3,898 |
| Tier 1 risk-based capital ratio | 14.9692% | 2,958 |
| Total risk-based capital ratio | 16.1751% | 2,931 |
| Memoranda: | ||
| Average total assets | $87,331,400 | 5,474 |
| Average earning assets | $78,606,400 | 5,503 |
| Average equity | $10,913,000 | 5,047 |
| Average total loans | $43,141,000 | 5,973 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4379% | 7,573 |
| Cost of funding earning assets | 1.4488% | 6,039 |
| Net interest margin | 2.9892% | 6,632 |
| Noninterest income to average assets | 0.7936% | 2,466 |
| Noninterest expense to average assets | 1.9869% | 7,409 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9463% | 2,246 |
| Return on assets (ROA) | 0.9463% | 2,310 |
| Pretax return on assets | 1.4943% | 1,430 |
| Return on Equity (ROE) | 7.5717% | 2,833 |
| Retained earnings to average equity (ytd only) | -10.3990% | 6,841 |
| Net charge-offs to loans | 0.0430% | 6,303 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 71.2710% | 473 |
| Efficiency ratio | 57.0753% | 6,862 |
| Assets per employee ($millions) | 4.8387% | 2,348 |
| Cash dividends to net income (ytd only)* | 237.3405% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0493% | 1,689 |
| Loan loss allowance to noncurrent loans | 219.7007% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 6,311 |
| Noncurrent loans to loans | 0.9328% | 5,429 |
| Net loans and leases to total assets | 48.3484% | 6,923 |
| Net loans and leases to deposits | 55.7217% | 7,112 |
| Net loans and leases to core deposits | 77.9310% | 6,497 |
| Total domestic deposits to total assets | 86.7676% | 2,296 |
| Equity capital to assets | 12.2542% | 2,095 |
| Core capital (leverage) ratio | 9.4785% | 3,939 |
| Tier 1 risk-based capital ratio | 15.4609% | 2,845 |
| Total risk-based capital ratio | 16.6600% | 2,808 |
| Memoranda: | ||
| Average total assets | $89,045,750 | 5,455 |
| Average earning assets | $80,065,000 | 5,492 |
| Average equity | $11,129,000 | 5,038 |
| Average total loans | $43,460,750 | 5,999 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5304% | 7,599 |
| Cost of funding earning assets | 1.5143% | 6,080 |
| Net interest margin | 3.0161% | 6,500 |
| Noninterest income to average assets | 0.7804% | 2,516 |
| Noninterest expense to average assets | 2.0001% | 7,466 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9432% | 2,303 |
| Return on assets (ROA) | 0.9432% | 2,398 |
| Pretax return on assets | 1.4895% | 1,477 |
| Return on Equity (ROE) | 7.4993% | 2,981 |
| Retained earnings to average equity (ytd only) | -19.0941% | 7,426 |
| Net charge-offs to loans | 0.0596% | 5,665 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 51.3846% | 673 |
| Efficiency ratio | 57.3163% | 6,956 |
| Assets per employee ($millions) | 4.4298% | 2,880 |
| Cash dividends to net income (ytd only)* | 354.6099% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0609% | 1,461 |
| Loan loss allowance to noncurrent loans | 213.5593% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 6,279 |
| Noncurrent loans to loans | 0.9650% | 5,291 |
| Net loans and leases to total assets | 47.3108% | 7,094 |
| Net loans and leases to deposits | 54.2413% | 7,258 |
| Net loans and leases to core deposits | 76.2049% | 6,659 |
| Total domestic deposits to total assets | 87.2228% | 2,141 |
| Equity capital to assets | 11.8156% | 2,317 |
| Core capital (leverage) ratio | 9.0797% | 4,496 |
| Tier 1 risk-based capital ratio | 15.2744% | 2,892 |
| Total risk-based capital ratio | 16.4941% | 2,841 |
| Memoranda: | ||
| Average total assets | $89,695,330 | 5,471 |
| Average earning assets | $80,566,330 | 5,512 |
| Average equity | $11,281,000 | 5,004 |
| Average total loans | $43,617,330 | 6,040 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6558% | 7,566 |
| Cost of funding earning assets | 1.6082% | 6,001 |
| Net interest margin | 3.0476% | 6,345 |
| Noninterest income to average assets | 0.8023% | 2,310 |
| Noninterest expense to average assets | 2.0655% | 7,200 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9352% | 2,565 |
| Return on assets (ROA) | 0.9352% | 2,694 |
| Pretax return on assets | 1.4582% | 1,789 |
| Return on Equity (ROE) | 7.2214% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.2214% | 2,122 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6164% | 6,607 |
| Assets per employee ($millions) | 4.3208% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 1,317 |
| Loan loss allowance to noncurrent loans | 353.7549% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 6,672 |
| Noncurrent loans to loans | 0.5811% | 5,949 |
| Net loans and leases to total assets | 46.9957% | 7,104 |
| Net loans and leases to deposits | 54.6146% | 7,249 |
| Net loans and leases to core deposits | 76.8006% | 6,624 |
| Total domestic deposits to total assets | 86.0496% | 2,687 |
| Equity capital to assets | 12.9739% | 1,756 |
| Core capital (leverage) ratio | 10.5379% | 2,884 |
| Tier 1 risk-based capital ratio | 17.1883% | 2,277 |
| Total risk-based capital ratio | 18.3902% | 2,238 |
| Memoranda: | ||
| Average total assets | $90,245,500 | 5,475 |
| Average earning assets | $80,588,000 | 5,533 |
| Average equity | $11,687,500 | 4,928 |
| Average total loans | $44,027,500 | 6,057 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5880% | 7,108 |
| Cost of funding earning assets | 2.1980% | 5,610 |
| Net interest margin | 3.3901% | 5,696 |
| Noninterest income to average assets | 0.9413% | 1,810 |
| Noninterest expense to average assets | 2.2959% | 6,715 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0653% | 2,278 |
| Return on assets (ROA) | 1.0653% | 2,189 |
| Pretax return on assets | 1.6748% | 1,204 |
| Return on Equity (ROE) | 8.4736% | 2,858 |
| Retained earnings to average equity (ytd only) | 8.4736% | 714 |
| Net charge-offs to loans | 0.0251% | 6,492 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 132.6364% | 337 |
| Efficiency ratio | 57.8202% | 6,729 |
| Assets per employee ($millions) | 3.7398% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0104% | 1,200 |
| Loan loss allowance to noncurrent loans | 339.0152% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 6,411 |
| Noncurrent loans to loans | 0.5930% | 5,592 |
| Net loans and leases to total assets | 48.6023% | 7,139 |
| Net loans and leases to deposits | 56.4984% | 7,285 |
| Net loans and leases to core deposits | 79.9410% | 6,623 |
| Total domestic deposits to total assets | 86.0242% | 2,390 |
| Equity capital to assets | 12.9274% | 1,820 |
| Core capital (leverage) ratio | 10.6103% | 2,896 |
| Tier 1 risk-based capital ratio | 16.9016% | 2,341 |
| Total risk-based capital ratio | 18.1259% | 2,295 |
| Memoranda: | ||
| Average total assets | $87,113,400 | 5,446 |
| Average earning assets | $77,845,200 | 5,512 |
| Average equity | $10,951,600 | 5,136 |
| Average total loans | $43,780,000 | 5,993 |