Home > First National Bank of Ruidoso > Performance and Condition Ratios
First National Bank of Ruidoso, 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 | 4.9599% | 3,353 |
| Cost of funding earning assets | 0.4727% | 6,938 |
| Net interest margin | 4.4872% | 1,169 |
| Noninterest income to average assets | 0.8887% | 1,679 |
| Noninterest expense to average assets | 4.3008% | 746 |
| Loan and lease loss provision to assets | 0.1024% | 5,032 |
| Net operating income to assets | 0.6510% | 3,793 |
| Return on assets (ROA) | 0.6583% | 3,879 |
| Pretax return on assets | 0.6583% | 4,542 |
| Return on Equity (ROE) | 5.5823% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.5823% | 2,650 |
| Net charge-offs to loans | 0.5008% | 2,604 |
| Credit loss provision to net charge-offs | 39.4366% | 4,829 |
| Earnings coverage of net charge-offs (x) | 2.9014% | 3,395 |
| Efficiency ratio | 85.0941% | 1,694 |
| Assets per employee ($millions) | 3.2535% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 3,843 |
| Loan loss allowance to noncurrent loans | 68.3409% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.3466% | 4,209 |
| Noncurrent loans to loans | 2.2892% | 3,116 |
| Net loans and leases to total assets | 54.2704% | 5,253 |
| Net loans and leases to deposits | 64.1019% | 5,257 |
| Net loans and leases to core deposits | 67.0090% | 5,388 |
| Total domestic deposits to total assets | 84.6627% | 4,045 |
| Equity capital to assets | 12.9149% | 1,563 |
| Core capital (leverage) ratio | 12.1259% | 1,539 |
| Tier 1 risk-based capital ratio | 19.2906% | 1,761 |
| Total risk-based capital ratio | 20.5412% | 1,734 |
| Memoranda: | ||
| Average total assets | $54,688,000 | 6,307 |
| Average earning assets | $50,767,000 | 6,266 |
| Average equity | $6,449,000 | 6,103 |
| Average total loans | $28,353,000 | 6,350 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7682% | 4,213 |
| Cost of funding earning assets | 0.5076% | 6,947 |
| Net interest margin | 4.2606% | 1,700 |
| Noninterest income to average assets | 0.7714% | 2,148 |
| Noninterest expense to average assets | 4.0640% | 965 |
| Loan and lease loss provision to assets | 0.1286% | 4,387 |
| Net operating income to assets | 0.5357% | 4,328 |
| Return on assets (ROA) | 0.5357% | 4,412 |
| Pretax return on assets | 0.5357% | 4,913 |
| Return on Equity (ROE) | 4.7529% | 4,528 |
| Retained earnings to average equity (ytd only) | 4.7529% | 3,339 |
| Net charge-offs to loans | 1.0220% | 1,333 |
| Credit loss provision to net charge-offs | 25.0000% | 4,196 |
| Earnings coverage of net charge-offs (x) | 1.2917% | 3,700 |
| Efficiency ratio | 85.9517% | 1,720 |
| Assets per employee ($millions) | 2.9848% | 6,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5212% | 4,107 |
| Loan loss allowance to noncurrent loans | 62.6471% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.2992% | 4,369 |
| Noncurrent loans to loans | 2.4281% | 3,066 |
| Net loans and leases to total assets | 51.3317% | 5,671 |
| Net loans and leases to deposits | 61.9711% | 5,497 |
| Net loans and leases to core deposits | 65.1401% | 5,606 |
| Total domestic deposits to total assets | 82.8317% | 4,982 |
| Equity capital to assets | 11.9586% | 1,945 |
| Core capital (leverage) ratio | 11.8500% | 1,650 |
| Tier 1 risk-based capital ratio | 19.1312% | 1,768 |
| Total risk-based capital ratio | 20.3826% | 1,734 |
| Memoranda: | ||
| Average total assets | $56,004,000 | 6,310 |
| Average earning assets | $52,011,500 | 6,272 |
| Average equity | $6,312,000 | 6,151 |
| Average total loans | $28,179,500 | 6,407 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2946% | 3,157 |
| Cost of funding earning assets | 0.6606% | 6,982 |
| Net interest margin | 4.6340% | 938 |
| Noninterest income to average assets | 0.8665% | 1,990 |
| Noninterest expense to average assets | 3.8606% | 1,375 |
| Loan and lease loss provision to assets | 0.3763% | 3,864 |
| Net operating income to assets | 0.9050% | 2,364 |
| Return on assets (ROA) | 0.9528% | 2,319 |
| Pretax return on assets | 0.9528% | 3,097 |
| Return on Equity (ROE) | 8.1155% | 2,658 |
| Retained earnings to average equity (ytd only) | 1.7357% | 4,643 |
| Net charge-offs to loans | 0.3475% | 4,278 |
| Credit loss provision to net charge-offs | 199.0291% | 1,584 |
| Earnings coverage of net charge-offs (x) | 6.7767% | 2,281 |
| Efficiency ratio | 75.0803% | 3,196 |
| Assets per employee ($millions) | 3.0674% | 5,951 |
| Cash dividends to net income (ytd only)* | 78.6127% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 3,239 |
| Loan loss allowance to noncurrent loans | 67.0391% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.2594% | 4,514 |
| Noncurrent loans to loans | 2.5252% | 3,001 |
| Net loans and leases to total assets | 47.8269% | 6,407 |
| Net loans and leases to deposits | 56.5166% | 6,400 |
| Net loans and leases to core deposits | 59.8887% | 6,401 |
| Total domestic deposits to total assets | 84.6245% | 4,044 |
| Equity capital to assets | 10.6364% | 3,034 |
| Core capital (leverage) ratio | 11.0309% | 2,135 |
| Tier 1 risk-based capital ratio | 18.2091% | 1,937 |
| Total risk-based capital ratio | 19.4607% | 1,898 |
| Memoranda: | ||
| Average total assets | $54,473,400 | 6,385 |
| Average earning assets | $50,259,000 | 6,357 |
| Average equity | $6,395,200 | 6,235 |
| Average total loans | $29,639,600 | 6,413 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4613% | 2,596 |
| Cost of funding earning assets | 0.7070% | 7,044 |
| Net interest margin | 4.7542% | 739 |
| Noninterest income to average assets | 0.8968% | 1,811 |
| Noninterest expense to average assets | 3.9958% | 1,050 |
| Loan and lease loss provision to assets | 0.4409% | 3,269 |
| Net operating income to assets | 0.8320% | 2,877 |
| Return on assets (ROA) | 0.8495% | 2,943 |
| Pretax return on assets | 0.8495% | 3,735 |
| Return on Equity (ROE) | 7.0553% | 3,320 |
| Retained earnings to average equity (ytd only) | -1.3862% | 6,078 |
| Net charge-offs to loans | 0.4539% | 3,482 |
| Credit loss provision to net charge-offs | 173.5294% | 2,120 |
| Earnings coverage of net charge-offs (x) | 5.0097% | 2,873 |
| Efficiency ratio | 75.8392% | 2,984 |
| Assets per employee ($millions) | 2.7048% | 6,771 |
| Cash dividends to net income (ytd only)* | 119.6476% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 3,749 |
| Loan loss allowance to noncurrent loans | 61.4654% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.3957% | 4,366 |
| Noncurrent loans to loans | 2.5143% | 3,103 |
| Net loans and leases to total assets | 53.3478% | 5,938 |
| Net loans and leases to deposits | 64.4246% | 5,860 |
| Net loans and leases to core deposits | 67.8860% | 5,957 |
| Total domestic deposits to total assets | 82.8065% | 4,674 |
| Equity capital to assets | 11.9806% | 2,169 |
| Core capital (leverage) ratio | 11.2858% | 2,074 |
| Tier 1 risk-based capital ratio | 17.8812% | 2,054 |
| Total risk-based capital ratio | 19.1341% | 2,019 |
| Memoranda: | ||
| Average total assets | $53,521,500 | 6,492 |
| Average earning assets | $49,218,000 | 6,466 |
| Average equity | $6,444,250 | 6,304 |
| Average total loans | $29,961,000 | 6,482 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5289% | 2,406 |
| Cost of funding earning assets | 0.7369% | 7,105 |
| Net interest margin | 4.7920% | 666 |
| Noninterest income to average assets | 0.9151% | 1,640 |
| Noninterest expense to average assets | 3.9152% | 1,161 |
| Loan and lease loss provision to assets | 0.2888% | 4,081 |
| Net operating income to assets | 1.1251% | 1,776 |
| Return on assets (ROA) | 1.1401% | 1,792 |
| Pretax return on assets | 1.1401% | 2,627 |
| Return on Equity (ROE) | 9.4527% | 2,293 |
| Retained earnings to average equity (ytd only) | 0.0933% | 5,703 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4694% | 3,567 |
| Assets per employee ($millions) | 2.6810% | 6,808 |
| Cash dividends to net income (ytd only)* | 99.0132% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 3,893 |
| Loan loss allowance to noncurrent loans | 54.1667% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 1.6002% | 4,042 |
| Noncurrent loans to loans | 2.7804% | 2,878 |
| Net loans and leases to total assets | 55.4953% | 5,784 |
| Net loans and leases to deposits | 67.1526% | 5,662 |
| Net loans and leases to core deposits | 69.8744% | 5,883 |
| Total domestic deposits to total assets | 82.6405% | 4,723 |
| Equity capital to assets | 12.1394% | 2,020 |
| Core capital (leverage) ratio | 11.7684% | 1,769 |
| Tier 1 risk-based capital ratio | 18.0070% | 1,959 |
| Total risk-based capital ratio | 19.2573% | 1,926 |
| Memoranda: | ||
| Average total assets | $53,330,000 | 6,540 |
| Average earning assets | $49,123,670 | 6,504 |
| Average equity | $6,432,000 | 6,324 |
| Average total loans | $30,177,330 | 6,519 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6004% | 2,148 |
| Cost of funding earning assets | 0.7767% | 7,158 |
| Net interest margin | 4.8237% | 610 |
| Noninterest income to average assets | 0.8950% | 1,647 |
| Noninterest expense to average assets | 4.0086% | 1,020 |
| Loan and lease loss provision to assets | 0.0903% | 5,732 |
| Net operating income to assets | 1.2334% | 1,452 |
| Return on assets (ROA) | 1.2635% | 1,449 |
| Pretax return on assets | 1.2635% | 2,160 |
| Return on Equity (ROE) | 10.5107% | 1,943 |
| Retained earnings to average equity (ytd only) | 0.2503% | 5,729 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1763% | 3,363 |
| Assets per employee ($millions) | 2.4480% | 7,279 |
| Cash dividends to net income (ytd only)* | 97.6190% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,920 |
| Loan loss allowance to noncurrent loans | 703.5714% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 7,123 |
| Noncurrent loans to loans | 0.1852% | 6,970 |
| Net loans and leases to total assets | 58.0582% | 5,428 |
| Net loans and leases to deposits | 70.7369% | 5,236 |
| Net loans and leases to core deposits | 74.2752% | 5,476 |
| Total domestic deposits to total assets | 82.0764% | 5,047 |
| Equity capital to assets | 12.5605% | 1,720 |
| Core capital (leverage) ratio | 12.0575% | 1,626 |
| Tier 1 risk-based capital ratio | 18.2944% | 1,875 |
| Total risk-based capital ratio | 19.5177% | 1,854 |
| Memoranda: | ||
| Average total assets | $53,185,500 | 6,629 |
| Average earning assets | $48,925,500 | 6,593 |
| Average equity | $6,393,500 | 6,385 |
| Average total loans | $30,160,500 | 6,598 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6083% | 3,561 |
| Cost of funding earning assets | 0.9512% | 7,303 |
| Net interest margin | 4.6572% | 892 |
| Noninterest income to average assets | 1.0074% | 1,545 |
| Noninterest expense to average assets | 3.8808% | 1,536 |
| Loan and lease loss provision to assets | 0.0842% | 6,767 |
| Net operating income to assets | 1.3605% | 919 |
| Return on assets (ROA) | 1.5057% | 716 |
| Pretax return on assets | 1.5057% | 1,173 |
| Return on Equity (ROE) | 13.2853% | 900 |
| Retained earnings to average equity (ytd only) | -0.5852% | 5,135 |
| Net charge-offs to loans | 0.1075% | 6,074 |
| Credit loss provision to net charge-offs | 142.4242% | 3,392 |
| Earnings coverage of net charge-offs (x) | 24.4242% | 907 |
| Efficiency ratio | 72.8711% | 4,122 |
| Assets per employee ($millions) | 2.6173% | 7,009 |
| Cash dividends to net income (ytd only)* | 104.4048% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 4,918 |
| Loan loss allowance to noncurrent loans | 239.3750% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 6,720 |
| Noncurrent loans to loans | 0.5319% | 6,191 |
| Net loans and leases to total assets | 54.0317% | 6,199 |
| Net loans and leases to deposits | 64.8032% | 6,176 |
| Net loans and leases to core deposits | 84.9485% | 5,624 |
| Total domestic deposits to total assets | 83.3782% | 4,344 |
| Equity capital to assets | 11.5166% | 2,306 |
| Core capital (leverage) ratio | 11.1527% | 2,141 |
| Tier 1 risk-based capital ratio | 18.0210% | 1,887 |
| Total risk-based capital ratio | 19.1947% | 1,870 |
| Memoranda: | ||
| Average total assets | $55,787,400 | 6,501 |
| Average earning assets | $51,726,600 | 6,473 |
| Average equity | $6,322,800 | 6,490 |
| Average total loans | $30,708,400 | 6,591 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5951% | 3,890 |
| Cost of funding earning assets | 0.9770% | 7,436 |
| Net interest margin | 4.6182% | 963 |
| Noninterest income to average assets | 1.0025% | 1,600 |
| Noninterest expense to average assets | 3.8551% | 1,505 |
| Loan and lease loss provision to assets | 0.0833% | 6,536 |
| Net operating income to assets | 1.3525% | 1,116 |
| Return on assets (ROA) | 1.4144% | 1,061 |
| Pretax return on assets | 1.4144% | 1,657 |
| Return on Equity (ROE) | 12.5293% | 1,230 |
| Retained earnings to average equity (ytd only) | -2.6578% | 5,856 |
| Net charge-offs to loans | 0.1209% | 5,489 |
| Credit loss provision to net charge-offs | 125.0000% | 4,022 |
| Earnings coverage of net charge-offs (x) | 21.5371% | 1,194 |
| Efficiency ratio | 72.8623% | 4,077 |
| Assets per employee ($millions) | 2.4718% | 7,273 |
| Cash dividends to net income (ytd only)* | 121.2127% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 5,112 |
| Loan loss allowance to noncurrent loans | 227.9503% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 6,747 |
| Noncurrent loans to loans | 0.5264% | 6,252 |
| Net loans and leases to total assets | 55.5664% | 6,188 |
| Net loans and leases to deposits | 67.0386% | 6,206 |
| Net loans and leases to core deposits | 93.6293% | 5,057 |
| Total domestic deposits to total assets | 82.8871% | 4,277 |
| Equity capital to assets | 11.7837% | 2,369 |
| Core capital (leverage) ratio | 11.0759% | 2,353 |
| Tier 1 risk-based capital ratio | 17.8547% | 2,032 |
| Total risk-based capital ratio | 19.0141% | 2,001 |
| Memoranda: | ||
| Average total assets | $55,993,250 | 6,545 |
| Average earning assets | $51,996,250 | 6,500 |
| Average equity | $6,321,000 | 6,548 |
| Average total loans | $30,865,250 | 6,632 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5078% | 4,581 |
| Cost of funding earning assets | 0.9865% | 7,571 |
| Net interest margin | 4.5213% | 1,119 |
| Noninterest income to average assets | 0.9906% | 1,626 |
| Noninterest expense to average assets | 3.7891% | 1,674 |
| Loan and lease loss provision to assets | 0.0814% | 6,372 |
| Net operating income to assets | 1.3196% | 1,189 |
| Return on assets (ROA) | 1.3302% | 1,236 |
| Pretax return on assets | 1.3302% | 1,936 |
| Return on Equity (ROE) | 11.9517% | 1,422 |
| Retained earnings to average equity (ytd only) | -5.9758% | 6,447 |
| Net charge-offs to loans | 0.1034% | 5,128 |
| Credit loss provision to net charge-offs | 143.7500% | 3,226 |
| Earnings coverage of net charge-offs (x) | 24.7500% | 1,146 |
| Efficiency ratio | 73.0061% | 4,196 |
| Assets per employee ($millions) | 2.6757% | 6,888 |
| Cash dividends to net income (ytd only)* | 150.0000% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 5,235 |
| Loan loss allowance to noncurrent loans | 227.3292% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 6,758 |
| Noncurrent loans to loans | 0.5083% | 6,254 |
| Net loans and leases to total assets | 55.7217% | 6,241 |
| Net loans and leases to deposits | 66.2309% | 6,369 |
| Net loans and leases to core deposits | 89.0121% | 5,630 |
| Total domestic deposits to total assets | 84.1324% | 3,690 |
| Equity capital to assets | 10.7528% | 3,158 |
| Core capital (leverage) ratio | 10.7710% | 2,591 |
| Tier 1 risk-based capital ratio | 17.2761% | 2,218 |
| Total risk-based capital ratio | 18.4066% | 2,190 |
| Memoranda: | ||
| Average total assets | $56,531,000 | 6,571 |
| Average earning assets | $52,507,330 | 6,529 |
| Average equity | $6,292,000 | 6,611 |
| Average total loans | $30,959,000 | 6,674 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4616% | 5,113 |
| Cost of funding earning assets | 1.0363% | 7,614 |
| Net interest margin | 4.4252% | 1,285 |
| Noninterest income to average assets | 0.9241% | 1,761 |
| Noninterest expense to average assets | 3.6190% | 1,827 |
| Loan and lease loss provision to assets | 0.0847% | 5,872 |
| Net operating income to assets | 1.3474% | 1,267 |
| Return on assets (ROA) | 1.3686% | 1,302 |
| Pretax return on assets | 1.3686% | 2,059 |
| Return on Equity (ROE) | 12.0929% | 1,635 |
| Retained earnings to average equity (ytd only) | 0.6857% | 5,383 |
| Net charge-offs to loans | 0.0392% | 4,951 |
| Credit loss provision to net charge-offs | 400.0000% | 1,293 |
| Earnings coverage of net charge-offs (x) | 67.6667% | 588 |
| Efficiency ratio | 71.6480% | 4,243 |
| Assets per employee ($millions) | 2.6411% | 6,995 |
| Cash dividends to net income (ytd only)* | 94.3299% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 4,279 |
| Loan loss allowance to noncurrent loans | 351.8182% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 6,938 |
| Noncurrent loans to loans | 0.3608% | 6,530 |
| Net loans and leases to total assets | 54.2676% | 6,437 |
| Net loans and leases to deposits | 65.1057% | 6,451 |
| Net loans and leases to core deposits | 86.4665% | 5,869 |
| Total domestic deposits to total assets | 83.3532% | 3,978 |
| Equity capital to assets | 11.6400% | 2,486 |
| Core capital (leverage) ratio | 11.1388% | 2,386 |
| Tier 1 risk-based capital ratio | 18.1162% | 2,021 |
| Total risk-based capital ratio | 19.2726% | 2,000 |
| Memoranda: | ||
| Average total assets | $56,701,500 | 6,596 |
| Average earning assets | $52,878,500 | 6,547 |
| Average equity | $6,417,000 | 6,610 |
| Average total loans | $30,600,500 | 6,729 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6278% | 2,360 |
| Cost of funding earning assets | 1.5646% | 7,514 |
| Net interest margin | 5.0632% | 438 |
| Noninterest income to average assets | 1.1682% | 1,131 |
| Noninterest expense to average assets | 4.1260% | 1,235 |
| Loan and lease loss provision to assets | 0.0877% | 6,280 |
| Net operating income to assets | 1.6347% | 780 |
| Return on assets (ROA) | 1.7000% | 646 |
| Pretax return on assets | 1.7000% | 1,145 |
| Return on Equity (ROE) | 15.1970% | 896 |
| Retained earnings to average equity (ytd only) | 4.6876% | 2,210 |
| Net charge-offs to loans | 0.0257% | 6,480 |
| Credit loss provision to net charge-offs | 587.5000% | 741 |
| Earnings coverage of net charge-offs (x) | 115.3750% | 387 |
| Efficiency ratio | 70.5488% | 4,240 |
| Assets per employee ($millions) | 2.8970% | 6,319 |
| Cash dividends to net income (ytd only)* | 69.1548% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 4,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 52.3602% | 6,815 |
| Net loans and leases to deposits | 62.1724% | 6,931 |
| Net loans and leases to core deposits | 82.4442% | 6,418 |
| Total domestic deposits to total assets | 84.2179% | 3,216 |
| Equity capital to assets | 11.0081% | 3,033 |
| Core capital (leverage) ratio | 11.1566% | 2,460 |
| Tier 1 risk-based capital ratio | 17.6441% | 2,137 |
| Total risk-based capital ratio | 18.7440% | 2,118 |
| Memoranda: | ||
| Average total assets | $53,587,000 | 6,636 |
| Average earning assets | $49,534,000 | 6,611 |
| Average equity | $5,994,600 | 6,809 |
| Average total loans | $31,168,400 | 6,645 |