Home > First National Bank of the North > Performance and Condition Ratios
First National Bank of the North, 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 | 5.4825% | 1,340 |
| Cost of funding earning assets | 0.7939% | 5,415 |
| Net interest margin | 4.6886% | 751 |
| Noninterest income to average assets | 0.3622% | 4,980 |
| Noninterest expense to average assets | 3.3761% | 2,327 |
| Loan and lease loss provision to assets | 0.4754% | 2,086 |
| Net operating income to assets | 0.9395% | 2,482 |
| Return on assets (ROA) | 1.0952% | 1,973 |
| Pretax return on assets | 1.0952% | 2,873 |
| Return on Equity (ROE) | 12.4184% | 1,370 |
| Retained earnings to average equity (ytd only) | 12.4184% | 465 |
| Net charge-offs to loans | 0.7452% | 2,013 |
| Credit loss provision to net charge-offs | 93.8547% | 3,347 |
| Earnings coverage of net charge-offs (x) | 2.7933% | 3,450 |
| Efficiency ratio | 70.4666% | 4,028 |
| Assets per employee ($millions) | 2.5840% | 6,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 3,599 |
| Loan loss allowance to noncurrent loans | 52.6171% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 2.6215% | 2,541 |
| Noncurrent loans to loans | 3.0896% | 2,331 |
| Net loans and leases to total assets | 66.2653% | 2,975 |
| Net loans and leases to deposits | 73.2911% | 3,900 |
| Net loans and leases to core deposits | 73.2911% | 4,671 |
| Total domestic deposits to total assets | 90.4139% | 752 |
| Equity capital to assets | 9.4485% | 4,896 |
| Core capital (leverage) ratio | 8.9242% | 4,839 |
| Tier 1 risk-based capital ratio | 13.0493% | 4,876 |
| Total risk-based capital ratio | 14.3029% | 4,858 |
| Memoranda: | ||
| Average total assets | $70,672,670 | 5,808 |
| Average earning assets | $66,758,330 | 5,734 |
| Average equity | $6,232,670 | 6,162 |
| Average total loans | $48,043,670 | 5,434 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4659% | 1,388 |
| Cost of funding earning assets | 0.8166% | 5,488 |
| Net interest margin | 4.6493% | 785 |
| Noninterest income to average assets | 0.4499% | 4,290 |
| Noninterest expense to average assets | 3.2056% | 2,874 |
| Loan and lease loss provision to assets | 0.9448% | 831 |
| Net operating income to assets | 0.6861% | 3,575 |
| Return on assets (ROA) | 0.8155% | 3,010 |
| Pretax return on assets | 0.8155% | 3,846 |
| Return on Equity (ROE) | 9.5820% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.5820% | 1,217 |
| Net charge-offs to loans | 0.1482% | 3,596 |
| Credit loss provision to net charge-offs | 933.3333% | 407 |
| Earnings coverage of net charge-offs (x) | 16.1111% | 1,281 |
| Efficiency ratio | 66.2791% | 4,989 |
| Assets per employee ($millions) | 2.4698% | 7,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9255% | 2,609 |
| Loan loss allowance to noncurrent loans | 67.9148% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 2.6039% | 2,634 |
| Noncurrent loans to loans | 2.8351% | 2,664 |
| Net loans and leases to total assets | 65.7810% | 3,069 |
| Net loans and leases to deposits | 72.2335% | 4,039 |
| Net loans and leases to core deposits | 72.5125% | 4,722 |
| Total domestic deposits to total assets | 91.0672% | 595 |
| Equity capital to assets | 8.5851% | 5,789 |
| Core capital (leverage) ratio | 8.6119% | 5,250 |
| Tier 1 risk-based capital ratio | 12.1633% | 5,540 |
| Total risk-based capital ratio | 13.4206% | 5,529 |
| Memoranda: | ||
| Average total assets | $71,125,000 | 5,843 |
| Average earning assets | $67,107,000 | 5,761 |
| Average equity | $6,053,000 | 6,228 |
| Average total loans | $48,567,500 | 5,456 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0747% | 735 |
| Cost of funding earning assets | 1.2228% | 4,402 |
| Net interest margin | 4.8519% | 601 |
| Noninterest income to average assets | 0.3174% | 5,521 |
| Noninterest expense to average assets | 3.2855% | 2,778 |
| Loan and lease loss provision to assets | 1.1021% | 1,451 |
| Net operating income to assets | 0.4850% | 4,169 |
| Return on assets (ROA) | 0.6734% | 3,471 |
| Pretax return on assets | 0.6734% | 4,077 |
| Return on Equity (ROE) | 7.8647% | 2,754 |
| Retained earnings to average equity (ytd only) | 7.8647% | 1,024 |
| Net charge-offs to loans | 0.9082% | 2,375 |
| Credit loss provision to net charge-offs | 164.7450% | 2,092 |
| Earnings coverage of net charge-offs (x) | 2.3725% | 3,956 |
| Efficiency ratio | 67.4277% | 4,682 |
| Assets per employee ($millions) | 2.5224% | 6,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 3,664 |
| Loan loss allowance to noncurrent loans | 51.4950% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 2.7709% | 2,528 |
| Noncurrent loans to loans | 3.0655% | 2,490 |
| Net loans and leases to total assets | 68.4167% | 2,882 |
| Net loans and leases to deposits | 74.7802% | 4,068 |
| Net loans and leases to core deposits | 74.7802% | 4,877 |
| Total domestic deposits to total assets | 91.4904% | 403 |
| Equity capital to assets | 8.4346% | 5,943 |
| Core capital (leverage) ratio | 8.7003% | 5,022 |
| Tier 1 risk-based capital ratio | 11.8096% | 5,645 |
| Total risk-based capital ratio | 13.0625% | 5,633 |
| Memoranda: | ||
| Average total assets | $67,418,200 | 5,952 |
| Average earning assets | $63,295,400 | 5,881 |
| Average equity | $5,772,600 | 6,439 |
| Average total loans | $49,660,400 | 5,498 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2304% | 582 |
| Cost of funding earning assets | 1.3314% | 4,028 |
| Net interest margin | 4.8990% | 554 |
| Noninterest income to average assets | 0.3222% | 5,578 |
| Noninterest expense to average assets | 3.2684% | 2,679 |
| Loan and lease loss provision to assets | 1.1849% | 1,210 |
| Net operating income to assets | 0.4643% | 4,470 |
| Return on assets (ROA) | 0.6365% | 3,888 |
| Pretax return on assets | 0.6365% | 4,464 |
| Return on Equity (ROE) | 7.4040% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.4040% | 1,640 |
| Net charge-offs to loans | 1.0655% | 1,907 |
| Credit loss provision to net charge-offs | 148.7437% | 2,624 |
| Earnings coverage of net charge-offs (x) | 2.0704% | 4,169 |
| Efficiency ratio | 66.4632% | 4,762 |
| Assets per employee ($millions) | 2.3992% | 7,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 4,525 |
| Loan loss allowance to noncurrent loans | 37.1366% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 2.8227% | 2,575 |
| Noncurrent loans to loans | 3.7406% | 2,068 |
| Net loans and leases to total assets | 69.0721% | 2,965 |
| Net loans and leases to deposits | 75.6561% | 4,234 |
| Net loans and leases to core deposits | 76.0283% | 5,052 |
| Total domestic deposits to total assets | 91.2975% | 356 |
| Equity capital to assets | 8.6047% | 6,149 |
| Core capital (leverage) ratio | 8.5938% | 5,356 |
| Tier 1 risk-based capital ratio | 11.7537% | 5,683 |
| Total risk-based capital ratio | 13.0056% | 5,654 |
| Memoranda: | ||
| Average total assets | $66,616,250 | 6,042 |
| Average earning assets | $62,488,000 | 5,974 |
| Average equity | $5,726,500 | 6,534 |
| Average total loans | $49,801,750 | 5,577 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3253% | 489 |
| Cost of funding earning assets | 1.4667% | 3,450 |
| Net interest margin | 4.8586% | 590 |
| Noninterest income to average assets | 0.3291% | 5,524 |
| Noninterest expense to average assets | 3.3522% | 2,403 |
| Loan and lease loss provision to assets | 1.6730% | 760 |
| Net operating income to assets | -0.1432% | 6,282 |
| Return on assets (ROA) | 0.0549% | 6,082 |
| Pretax return on assets | 0.0549% | 6,063 |
| Return on Equity (ROE) | 0.6383% | 6,050 |
| Retained earnings to average equity (ytd only) | 0.6383% | 5,511 |
| Net charge-offs to loans | 1.4475% | 1,317 |
| Credit loss provision to net charge-offs | 151.2397% | 2,596 |
| Earnings coverage of net charge-offs (x) | 1.3829% | 4,448 |
| Efficiency ratio | 68.6642% | 4,445 |
| Assets per employee ($millions) | 2.4488% | 7,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 4,682 |
| Loan loss allowance to noncurrent loans | 34.1152% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 3.0758% | 2,311 |
| Noncurrent loans to loans | 3.9552% | 1,931 |
| Net loans and leases to total assets | 71.3331% | 2,582 |
| Net loans and leases to deposits | 77.7921% | 4,018 |
| Net loans and leases to core deposits | 78.1763% | 4,923 |
| Total domestic deposits to total assets | 91.6972% | 291 |
| Equity capital to assets | 8.2022% | 6,540 |
| Core capital (leverage) ratio | 8.3342% | 5,699 |
| Tier 1 risk-based capital ratio | 11.0470% | 6,192 |
| Total risk-based capital ratio | 12.2980% | 6,182 |
| Memoranda: | ||
| Average total assets | $65,629,000 | 6,119 |
| Average earning assets | $61,499,330 | 6,044 |
| Average equity | $5,639,670 | 6,575 |
| Average total loans | $50,157,000 | 5,600 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3993% | 435 |
| Cost of funding earning assets | 1.4983% | 3,574 |
| Net interest margin | 4.9010% | 517 |
| Noninterest income to average assets | 0.3117% | 5,658 |
| Noninterest expense to average assets | 3.1047% | 3,247 |
| Loan and lease loss provision to assets | 1.4027% | 853 |
| Net operating income to assets | 0.3928% | 4,866 |
| Return on assets (ROA) | 0.4302% | 4,845 |
| Pretax return on assets | 0.4302% | 5,193 |
| Return on Equity (ROE) | 4.8871% | 4,421 |
| Retained earnings to average equity (ytd only) | 4.8871% | 3,214 |
| Net charge-offs to loans | 1.6414% | 1,063 |
| Credit loss provision to net charge-offs | 108.6957% | 3,165 |
| Earnings coverage of net charge-offs (x) | 1.3913% | 3,913 |
| Efficiency ratio | 63.3588% | 5,610 |
| Assets per employee ($millions) | 2.3301% | 7,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 6,509 |
| Loan loss allowance to noncurrent loans | 24.6313% | 6,765 |
| Noncurrent assets plus other real estate owned to assets | 3.3491% | 2,123 |
| Noncurrent loans to loans | 4.0267% | 1,942 |
| Net loans and leases to total assets | 76.6561% | 1,402 |
| Net loans and leases to deposits | 84.0693% | 2,929 |
| Net loans and leases to core deposits | 84.5069% | 4,134 |
| Total domestic deposits to total assets | 91.1821% | 473 |
| Equity capital to assets | 8.7168% | 5,707 |
| Core capital (leverage) ratio | 8.5604% | 5,275 |
| Tier 1 risk-based capital ratio | 11.2457% | 5,906 |
| Total risk-based capital ratio | 12.2654% | 6,114 |
| Memoranda: | ||
| Average total assets | $64,160,000 | 6,238 |
| Average earning assets | $60,069,000 | 6,166 |
| Average equity | $5,647,500 | 6,632 |
| Average total loans | $50,445,500 | 5,649 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6935% | 470 |
| Cost of funding earning assets | 1.6152% | 4,965 |
| Net interest margin | 5.0783% | 385 |
| Noninterest income to average assets | 0.2613% | 6,244 |
| Noninterest expense to average assets | 3.6493% | 2,034 |
| Loan and lease loss provision to assets | 0.7001% | 3,020 |
| Net operating income to assets | 0.6478% | 3,146 |
| Return on assets (ROA) | 0.6415% | 3,228 |
| Pretax return on assets | 0.6415% | 3,775 |
| Return on Equity (ROE) | 7.3139% | 2,658 |
| Retained earnings to average equity (ytd only) | 3.8827% | 2,494 |
| Net charge-offs to loans | 0.5286% | 3,670 |
| Credit loss provision to net charge-offs | 169.3487% | 2,525 |
| Earnings coverage of net charge-offs (x) | 3.2605% | 3,429 |
| Efficiency ratio | 73.0269% | 4,091 |
| Assets per employee ($millions) | 2.3362% | 7,434 |
| Cash dividends to net income (ytd only)* | 46.9136% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 6,587 |
| Loan loss allowance to noncurrent loans | 26.4368% | 6,712 |
| Noncurrent assets plus other real estate owned to assets | 3.0835% | 2,251 |
| Noncurrent loans to loans | 3.6266% | 2,078 |
| Net loans and leases to total assets | 79.1005% | 1,160 |
| Net loans and leases to deposits | 86.9145% | 2,750 |
| Net loans and leases to core deposits | 91.8860% | 4,901 |
| Total domestic deposits to total assets | 91.0095% | 529 |
| Equity capital to assets | 8.8906% | 5,296 |
| Core capital (leverage) ratio | 8.6018% | 5,099 |
| Tier 1 risk-based capital ratio | 11.2546% | 5,658 |
| Total risk-based capital ratio | 12.2507% | 5,879 |
| Memoranda: | ||
| Average total assets | $63,135,000 | 6,234 |
| Average earning assets | $58,878,200 | 6,175 |
| Average equity | $5,537,400 | 6,760 |
| Average total loans | $49,372,400 | 5,703 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7106% | 500 |
| Cost of funding earning assets | 1.6329% | 5,237 |
| Net interest margin | 5.0777% | 387 |
| Noninterest income to average assets | 0.2428% | 6,496 |
| Noninterest expense to average assets | 3.3085% | 2,884 |
| Loan and lease loss provision to assets | 0.5532% | 3,170 |
| Net operating income to assets | 1.1148% | 1,693 |
| Return on assets (ROA) | 1.0789% | 1,852 |
| Pretax return on assets | 1.0789% | 2,642 |
| Return on Equity (ROE) | 12.3433% | 1,280 |
| Retained earnings to average equity (ytd only) | 12.3433% | 315 |
| Net charge-offs to loans | 0.6433% | 2,752 |
| Credit loss provision to net charge-offs | 110.5485% | 4,600 |
| Earnings coverage of net charge-offs (x) | 3.3334% | 3,572 |
| Efficiency ratio | 66.4828% | 5,290 |
| Assets per employee ($millions) | 2.2746% | 7,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6599% | 7,466 |
| Loan loss allowance to noncurrent loans | 40.4703% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 1.4116% | 4,283 |
| Noncurrent loans to loans | 1.6307% | 4,194 |
| Net loans and leases to total assets | 77.2877% | 1,725 |
| Net loans and leases to deposits | 85.2022% | 3,466 |
| Net loans and leases to core deposits | 89.7509% | 5,458 |
| Total domestic deposits to total assets | 90.7110% | 508 |
| Equity capital to assets | 9.1854% | 5,189 |
| Core capital (leverage) ratio | 8.9196% | 4,779 |
| Tier 1 risk-based capital ratio | 12.0367% | 4,939 |
| Total risk-based capital ratio | 12.7210% | 5,401 |
| Memoranda: | ||
| Average total assets | $63,149,250 | 6,275 |
| Average earning assets | $58,870,250 | 6,222 |
| Average equity | $5,519,750 | 6,836 |
| Average total loans | $49,121,000 | 5,757 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6098% | 651 |
| Cost of funding earning assets | 1.6389% | 5,564 |
| Net interest margin | 4.9709% | 464 |
| Noninterest income to average assets | 0.1906% | 6,933 |
| Noninterest expense to average assets | 3.3699% | 2,725 |
| Loan and lease loss provision to assets | 0.7940% | 2,106 |
| Net operating income to assets | 0.6797% | 3,345 |
| Return on assets (ROA) | 0.6257% | 3,672 |
| Pretax return on assets | 0.6257% | 4,247 |
| Return on Equity (ROE) | 7.2833% | 3,071 |
| Retained earnings to average equity (ytd only) | 7.2833% | 1,473 |
| Net charge-offs to loans | 0.9106% | 1,885 |
| Credit loss provision to net charge-offs | 112.1076% | 4,130 |
| Earnings coverage of net charge-offs (x) | 2.0807% | 4,038 |
| Efficiency ratio | 69.5738% | 4,865 |
| Assets per employee ($millions) | 2.1020% | 7,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6668% | 7,494 |
| Loan loss allowance to noncurrent loans | 68.3992% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.0323% | 4,906 |
| Noncurrent loans to loans | 0.9749% | 5,265 |
| Net loans and leases to total assets | 77.7152% | 1,816 |
| Net loans and leases to deposits | 86.6846% | 3,422 |
| Net loans and leases to core deposits | 90.8498% | 5,467 |
| Total domestic deposits to total assets | 89.6529% | 983 |
| Equity capital to assets | 8.8058% | 5,588 |
| Core capital (leverage) ratio | 8.5558% | 5,347 |
| Tier 1 risk-based capital ratio | 11.4074% | 5,488 |
| Total risk-based capital ratio | 12.0975% | 5,969 |
| Memoranda: | ||
| Average total assets | $62,969,670 | 6,332 |
| Average earning assets | $58,943,000 | 6,274 |
| Average equity | $5,409,670 | 6,926 |
| Average total loans | $48,978,000 | 5,810 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5179% | 838 |
| Cost of funding earning assets | 1.6465% | 5,831 |
| Net interest margin | 4.8714% | 531 |
| Noninterest income to average assets | 0.1589% | 7,174 |
| Noninterest expense to average assets | 3.2166% | 2,912 |
| Loan and lease loss provision to assets | 0.2861% | 3,673 |
| Net operating income to assets | 1.2078% | 1,638 |
| Return on assets (ROA) | 1.1252% | 2,003 |
| Pretax return on assets | 1.1252% | 2,892 |
| Return on Equity (ROE) | 13.2634% | 1,320 |
| Retained earnings to average equity (ytd only) | 13.2634% | 599 |
| Net charge-offs to loans | 0.0246% | 5,202 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 78.3333% | 529 |
| Efficiency ratio | 68.2861% | 4,912 |
| Assets per employee ($millions) | 2.0360% | 7,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7072% | 7,422 |
| Loan loss allowance to noncurrent loans | 33.7586% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 1.9092% | 3,043 |
| Noncurrent loans to loans | 2.0949% | 3,123 |
| Net loans and leases to total assets | 76.5198% | 2,153 |
| Net loans and leases to deposits | 83.7559% | 4,021 |
| Net loans and leases to core deposits | 87.4486% | 5,791 |
| Total domestic deposits to total assets | 91.3605% | 309 |
| Equity capital to assets | 8.4985% | 6,073 |
| Core capital (leverage) ratio | 8.7017% | 5,145 |
| Tier 1 risk-based capital ratio | 11.4842% | 5,430 |
| Total risk-based capital ratio | 12.2133% | 5,845 |
| Memoranda: | ||
| Average total assets | $62,924,000 | 6,361 |
| Average earning assets | $58,792,000 | 6,310 |
| Average equity | $5,338,000 | 6,989 |
| Average total loans | $48,798,500 | 5,850 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1258% | 873 |
| Cost of funding earning assets | 2.0245% | 6,330 |
| Net interest margin | 5.1012% | 405 |
| Noninterest income to average assets | 0.2667% | 6,553 |
| Noninterest expense to average assets | 3.2907% | 2,992 |
| Loan and lease loss provision to assets | 0.1429% | 5,526 |
| Net operating income to assets | 1.5625% | 903 |
| Return on assets (ROA) | 0.8096% | 3,238 |
| Pretax return on assets | 0.8286% | 3,964 |
| Return on Equity (ROE) | 9.4884% | 2,440 |
| Retained earnings to average equity (ytd only) | -2.8837% | 6,081 |
| Net charge-offs to loans | 0.1802% | 4,393 |
| Credit loss provision to net charge-offs | 105.8824% | 5,055 |
| Earnings coverage of net charge-offs (x) | 12.8941% | 2,192 |
| Efficiency ratio | 65.4150% | 5,238 |
| Assets per employee ($millions) | 2.1631% | 7,757 |
| Cash dividends to net income (ytd only)* | 130.3922% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6169% | 7,649 |
| Loan loss allowance to noncurrent loans | 23.6122% | 7,070 |
| Noncurrent assets plus other real estate owned to assets | 2.3354% | 2,080 |
| Noncurrent loans to loans | 2.6126% | 2,073 |
| Net loans and leases to total assets | 77.5597% | 2,246 |
| Net loans and leases to deposits | 86.3548% | 4,064 |
| Net loans and leases to core deposits | 90.9319% | 5,726 |
| Total domestic deposits to total assets | 89.8152% | 722 |
| Equity capital to assets | 8.4679% | 6,145 |
| Core capital (leverage) ratio | 8.2615% | 6,030 |
| Tier 1 risk-based capital ratio | 11.0640% | 5,671 |
| Total risk-based capital ratio | 11.7015% | 6,137 |
| Memoranda: | ||
| Average total assets | $62,995,000 | 6,280 |
| Average earning assets | $58,828,800 | 6,226 |
| Average equity | $5,375,000 | 7,023 |
| Average total loans | $47,172,000 | 5,818 |