Home > First Peoples Bank > Performance and Condition Ratios
First Peoples 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 | 5.1176% | 2,598 |
| Cost of funding earning assets | 1.5624% | 806 |
| Net interest margin | 3.5552% | 4,903 |
| Noninterest income to average assets | -0.7517% | 7,450 |
| Noninterest expense to average assets | 4.4016% | 668 |
| Loan and lease loss provision to assets | 3.5764% | 102 |
| Net operating income to assets | -5.1900% | 7,443 |
| Return on assets (ROA) | -5.1900% | 7,446 |
| Pretax return on assets | -5.5059% | 7,451 |
| Return on Equity (ROE) | -342.1402% | 7,504 |
| Retained earnings to average equity (ytd only) | -342.1402% | 7,504 |
| Net charge-offs to loans | 2.7811% | 394 |
| Credit loss provision to net charge-offs | 181.8870% | 1,657 |
| Earnings coverage of net charge-offs (x) | -0.9813% | 5,626 |
| Efficiency ratio | 178.0531% | 84 |
| Assets per employee ($millions) | 3.3587% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2312% | 353 |
| Loan loss allowance to noncurrent loans | 54.7333% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 7.7535% | 612 |
| Noncurrent loans to loans | 7.7305% | 606 |
| Net loans and leases to total assets | 66.8763% | 2,845 |
| Net loans and leases to deposits | 72.4854% | 4,043 |
| Net loans and leases to core deposits | 81.5324% | 3,576 |
| Total domestic deposits to total assets | 92.2616% | 189 |
| Equity capital to assets | 0.5719% | 7,505 |
| Core capital (leverage) ratio | 0.5740% | 7,502 |
| Tier 1 risk-based capital ratio | 0.8162% | 7,500 |
| Total risk-based capital ratio | 1.6324% | 7,500 |
| Memoranda: | ||
| Average total assets | $228,554,670 | 2,767 |
| Average earning assets | $207,245,000 | 2,790 |
| Average equity | $3,467,000 | 6,992 |
| Average total loans | $161,591,000 | 2,518 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1877% | 2,264 |
| Cost of funding earning assets | 1.5928% | 839 |
| Net interest margin | 3.5949% | 4,586 |
| Noninterest income to average assets | -1.0664% | 7,540 |
| Noninterest expense to average assets | 4.4721% | 609 |
| Loan and lease loss provision to assets | 5.0748% | 60 |
| Net operating income to assets | -7.2874% | 7,530 |
| Return on assets (ROA) | -7.2874% | 7,530 |
| Pretax return on assets | -7.3638% | 7,527 |
| Return on Equity (ROE) | -368.3125% | 7,558 |
| Retained earnings to average equity (ytd only) | -368.3125% | 7,558 |
| Net charge-offs to loans | 4.5906% | 179 |
| Credit loss provision to net charge-offs | 155.4255% | 1,845 |
| Earnings coverage of net charge-offs (x) | -0.7011% | 4,848 |
| Efficiency ratio | 204.8528% | 62 |
| Assets per employee ($millions) | 3.2149% | 5,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6370% | 548 |
| Loan loss allowance to noncurrent loans | 61.7455% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 7.2194% | 720 |
| Noncurrent loans to loans | 5.8903% | 1,089 |
| Net loans and leases to total assets | 67.9154% | 2,565 |
| Net loans and leases to deposits | 73.9264% | 3,771 |
| Net loans and leases to core deposits | 84.6671% | 3,074 |
| Total domestic deposits to total assets | 91.8689% | 322 |
| Equity capital to assets | 1.0931% | 7,556 |
| Core capital (leverage) ratio | 1.3114% | 7,552 |
| Tier 1 risk-based capital ratio | 1.8142% | 7,552 |
| Total risk-based capital ratio | 3.0918% | 7,552 |
| Memoranda: | ||
| Average total assets | $230,314,500 | 2,770 |
| Average earning assets | $208,183,000 | 2,807 |
| Average equity | $4,557,000 | 6,697 |
| Average total loans | $163,814,500 | 2,508 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2614% | 3,310 |
| Cost of funding earning assets | 1.8190% | 1,099 |
| Net interest margin | 3.4424% | 5,465 |
| Noninterest income to average assets | -0.1583% | 7,447 |
| Noninterest expense to average assets | 3.9611% | 1,218 |
| Loan and lease loss provision to assets | 2.2931% | 529 |
| Net operating income to assets | -3.4136% | 7,363 |
| Return on assets (ROA) | -3.0869% | 7,330 |
| Pretax return on assets | -2.9367% | 7,279 |
| Return on Equity (ROE) | -70.0220% | 7,518 |
| Retained earnings to average equity (ytd only) | -70.0220% | 7,517 |
| Net charge-offs to loans | 3.1148% | 517 |
| Credit loss provision to net charge-offs | 101.4107% | 4,476 |
| Earnings coverage of net charge-offs (x) | -0.4291% | 6,419 |
| Efficiency ratio | 132.4423% | 299 |
| Assets per employee ($millions) | 3.2274% | 5,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8839% | 967 |
| Loan loss allowance to noncurrent loans | 38.9015% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 9.0171% | 500 |
| Noncurrent loans to loans | 7.4133% | 734 |
| Net loans and leases to total assets | 69.6932% | 2,602 |
| Net loans and leases to deposits | 77.2315% | 3,629 |
| Net loans and leases to core deposits | 90.6920% | 2,665 |
| Total domestic deposits to total assets | 90.2393% | 962 |
| Equity capital to assets | 2.8485% | 7,572 |
| Core capital (leverage) ratio | 3.0184% | 7,554 |
| Tier 1 risk-based capital ratio | 4.2963% | 7,552 |
| Total risk-based capital ratio | 5.5659% | 7,556 |
| Memoranda: | ||
| Average total assets | $247,656,000 | 2,566 |
| Average earning assets | $226,554,400 | 2,556 |
| Average equity | $10,918,000 | 4,883 |
| Average total loans | $179,784,200 | 2,357 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2496% | 3,578 |
| Cost of funding earning assets | 1.8578% | 1,175 |
| Net interest margin | 3.3918% | 5,711 |
| Noninterest income to average assets | 0.0504% | 7,267 |
| Noninterest expense to average assets | 3.8036% | 1,369 |
| Loan and lease loss provision to assets | 2.4548% | 438 |
| Net operating income to assets | -3.0989% | 7,469 |
| Return on assets (ROA) | -2.6700% | 7,404 |
| Pretax return on assets | -2.6700% | 7,354 |
| Return on Equity (ROE) | -55.9880% | 7,588 |
| Retained earnings to average equity (ytd only) | -55.9880% | 7,586 |
| Net charge-offs to loans | 2.9858% | 519 |
| Credit loss provision to net charge-offs | 112.9544% | 3,727 |
| Earnings coverage of net charge-offs (x) | -0.2964% | 6,244 |
| Efficiency ratio | 120.3893% | 390 |
| Assets per employee ($millions) | 3.3892% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0391% | 795 |
| Loan loss allowance to noncurrent loans | 43.0559% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 8.2598% | 593 |
| Noncurrent loans to loans | 7.0586% | 793 |
| Net loans and leases to total assets | 69.7521% | 2,799 |
| Net loans and leases to deposits | 78.1706% | 3,798 |
| Net loans and leases to core deposits | 93.7489% | 2,559 |
| Total domestic deposits to total assets | 89.2306% | 1,268 |
| Equity capital to assets | 4.0518% | 7,639 |
| Core capital (leverage) ratio | 3.9348% | 7,626 |
| Tier 1 risk-based capital ratio | 5.7733% | 7,611 |
| Total risk-based capital ratio | 7.0460% | 7,613 |
| Memoranda: | ||
| Average total assets | $251,477,500 | 2,566 |
| Average earning assets | $230,513,000 | 2,560 |
| Average equity | $11,992,750 | 4,676 |
| Average total loans | $183,041,500 | 2,358 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1921% | 4,000 |
| Cost of funding earning assets | 1.8830% | 1,295 |
| Net interest margin | 3.3091% | 5,985 |
| Noninterest income to average assets | 0.4438% | 4,573 |
| Noninterest expense to average assets | 3.9531% | 1,102 |
| Loan and lease loss provision to assets | 2.4721% | 466 |
| Net operating income to assets | -2.9433% | 7,500 |
| Return on assets (ROA) | -2.9433% | 7,507 |
| Pretax return on assets | -2.9433% | 7,457 |
| Return on Equity (ROE) | -58.9310% | 7,653 |
| Retained earnings to average equity (ytd only) | -58.9310% | 7,651 |
| Net charge-offs to loans | 3.3013% | 456 |
| Credit loss provision to net charge-offs | 102.5033% | 3,980 |
| Earnings coverage of net charge-offs (x) | -0.1954% | 5,872 |
| Efficiency ratio | 113.5330% | 498 |
| Assets per employee ($millions) | 3.5189% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6506% | 1,135 |
| Loan loss allowance to noncurrent loans | 29.5198% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 8.6210% | 531 |
| Noncurrent loans to loans | 8.9792% | 530 |
| Net loans and leases to total assets | 67.7976% | 3,423 |
| Net loans and leases to deposits | 76.0210% | 4,334 |
| Net loans and leases to core deposits | 95.6303% | 2,485 |
| Total domestic deposits to total assets | 89.1828% | 1,331 |
| Equity capital to assets | 4.4754% | 7,666 |
| Core capital (leverage) ratio | 4.2876% | 7,665 |
| Tier 1 risk-based capital ratio | 6.1471% | 7,654 |
| Total risk-based capital ratio | 7.4147% | 7,657 |
| Memoranda: | ||
| Average total assets | $255,091,670 | 2,551 |
| Average earning assets | $234,202,000 | 2,551 |
| Average equity | $12,740,330 | 4,496 |
| Average total loans | $186,352,330 | 2,349 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2123% | 3,954 |
| Cost of funding earning assets | 1.9278% | 1,330 |
| Net interest margin | 3.2845% | 6,031 |
| Noninterest income to average assets | 0.2630% | 6,049 |
| Noninterest expense to average assets | 4.0564% | 950 |
| Loan and lease loss provision to assets | 2.9948% | 332 |
| Net operating income to assets | -3.7807% | 7,703 |
| Return on assets (ROA) | -3.7807% | 7,706 |
| Pretax return on assets | -3.7807% | 7,672 |
| Return on Equity (ROE) | -71.8485% | 7,772 |
| Retained earnings to average equity (ytd only) | -71.8485% | 7,766 |
| Net charge-offs to loans | 2.1710% | 784 |
| Credit loss provision to net charge-offs | 184.3902% | 1,985 |
| Earnings coverage of net charge-offs (x) | -0.4839% | 5,274 |
| Efficiency ratio | 124.0310% | 399 |
| Assets per employee ($millions) | 3.6157% | 4,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9656% | 850 |
| Loan loss allowance to noncurrent loans | 33.7129% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 8.8141% | 517 |
| Noncurrent loans to loans | 8.7966% | 571 |
| Net loans and leases to total assets | 71.3123% | 2,614 |
| Net loans and leases to deposits | 80.8829% | 3,478 |
| Net loans and leases to core deposits | 108.6302% | 1,370 |
| Total domestic deposits to total assets | 88.1673% | 1,963 |
| Equity capital to assets | 4.7956% | 7,737 |
| Core capital (leverage) ratio | 4.9872% | 7,704 |
| Tier 1 risk-based capital ratio | 6.5680% | 7,725 |
| Total risk-based capital ratio | 7.8387% | 7,725 |
| Memoranda: | ||
| Average total assets | $252,437,500 | 2,629 |
| Average earning assets | $231,146,000 | 2,636 |
| Average equity | $13,283,500 | 4,416 |
| Average total loans | $188,852,500 | 2,389 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6192% | 3,502 |
| Cost of funding earning assets | 2.6863% | 615 |
| Net interest margin | 2.9329% | 6,796 |
| Noninterest income to average assets | 0.4187% | 5,057 |
| Noninterest expense to average assets | 4.2447% | 1,045 |
| Loan and lease loss provision to assets | 1.9570% | 1,123 |
| Net operating income to assets | -3.7502% | 7,565 |
| Return on assets (ROA) | -3.5450% | 7,522 |
| Pretax return on assets | -2.9456% | 7,277 |
| Return on Equity (ROE) | -46.1481% | 7,640 |
| Retained earnings to average equity (ytd only) | -46.1481% | 7,628 |
| Net charge-offs to loans | 1.4715% | 1,705 |
| Credit loss provision to net charge-offs | 178.3172% | 2,342 |
| Earnings coverage of net charge-offs (x) | -1.0877% | 6,895 |
| Efficiency ratio | 139.1282% | 393 |
| Assets per employee ($millions) | 3.3535% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5021% | 1,225 |
| Loan loss allowance to noncurrent loans | 29.5810% | 6,501 |
| Noncurrent assets plus other real estate owned to assets | 9.1509% | 437 |
| Noncurrent loans to loans | 8.4584% | 569 |
| Net loans and leases to total assets | 74.2708% | 2,211 |
| Net loans and leases to deposits | 84.6326% | 3,152 |
| Net loans and leases to core deposits | 106.4913% | 3,276 |
| Total domestic deposits to total assets | 87.7568% | 2,090 |
| Equity capital to assets | 5.7446% | 7,698 |
| Core capital (leverage) ratio | 5.6484% | 7,688 |
| Tier 1 risk-based capital ratio | 7.6994% | 7,679 |
| Total risk-based capital ratio | 8.9640% | 7,687 |
| Memoranda: | ||
| Average total assets | $253,399,000 | 2,572 |
| Average earning assets | $227,417,000 | 2,621 |
| Average equity | $19,465,600 | 3,282 |
| Average total loans | $188,989,400 | 2,415 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6196% | 3,747 |
| Cost of funding earning assets | 2.8247% | 558 |
| Net interest margin | 2.7949% | 7,072 |
| Noninterest income to average assets | 0.4544% | 4,872 |
| Noninterest expense to average assets | 4.1704% | 1,064 |
| Loan and lease loss provision to assets | 2.0483% | 871 |
| Net operating income to assets | -1.8989% | 7,271 |
| Return on assets (ROA) | -1.7337% | 7,209 |
| Pretax return on assets | -3.0073% | 7,501 |
| Return on Equity (ROE) | -21.2630% | 7,415 |
| Retained earnings to average equity (ytd only) | -21.2630% | 7,383 |
| Net charge-offs to loans | 1.3829% | 1,488 |
| Credit loss provision to net charge-offs | 199.6429% | 2,247 |
| Earnings coverage of net charge-offs (x) | -1.1862% | 6,654 |
| Efficiency ratio | 141.2088% | 371 |
| Assets per employee ($millions) | 3.6594% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3425% | 1,247 |
| Loan loss allowance to noncurrent loans | 25.8211% | 6,733 |
| Noncurrent assets plus other real estate owned to assets | 9.1653% | 418 |
| Noncurrent loans to loans | 9.0721% | 492 |
| Net loans and leases to total assets | 70.3045% | 3,437 |
| Net loans and leases to deposits | 80.0029% | 4,386 |
| Net loans and leases to core deposits | 101.8106% | 4,174 |
| Total domestic deposits to total assets | 87.8774% | 1,712 |
| Equity capital to assets | 7.6938% | 7,155 |
| Core capital (leverage) ratio | 6.2602% | 7,744 |
| Tier 1 risk-based capital ratio | 8.1408% | 7,776 |
| Total risk-based capital ratio | 9.4025% | 7,790 |
| Memoranda: | ||
| Average total assets | $254,708,250 | 2,578 |
| Average earning assets | $227,744,500 | 2,630 |
| Average equity | $20,768,000 | 3,129 |
| Average total loans | $188,976,250 | 2,437 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7163% | 3,450 |
| Cost of funding earning assets | 2.9306% | 571 |
| Net interest margin | 2.7857% | 7,040 |
| Noninterest income to average assets | 0.4861% | 4,570 |
| Noninterest expense to average assets | 4.1115% | 1,174 |
| Loan and lease loss provision to assets | 1.5421% | 1,106 |
| Net operating income to assets | -1.6647% | 7,314 |
| Return on assets (ROA) | -1.4128% | 7,212 |
| Pretax return on assets | -2.2876% | 7,370 |
| Return on Equity (ROE) | -16.9868% | 7,420 |
| Retained earnings to average equity (ytd only) | -16.9868% | 7,342 |
| Net charge-offs to loans | 1.3382% | 1,385 |
| Credit loss provision to net charge-offs | 153.6993% | 2,994 |
| Earnings coverage of net charge-offs (x) | -1.1352% | 6,257 |
| Efficiency ratio | 138.3190% | 450 |
| Assets per employee ($millions) | 3.4957% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 2,326 |
| Loan loss allowance to noncurrent loans | 25.2385% | 6,829 |
| Noncurrent assets plus other real estate owned to assets | 7.2972% | 562 |
| Noncurrent loans to loans | 6.7582% | 752 |
| Net loans and leases to total assets | 70.9296% | 3,478 |
| Net loans and leases to deposits | 81.0958% | 4,376 |
| Net loans and leases to core deposits | 105.7244% | 3,867 |
| Total domestic deposits to total assets | 87.4640% | 2,027 |
| Equity capital to assets | 8.0746% | 6,660 |
| Core capital (leverage) ratio | 7.5782% | 6,924 |
| Tier 1 risk-based capital ratio | 9.5986% | 7,315 |
| Total risk-based capital ratio | 10.8528% | 7,264 |
| Memoranda: | ||
| Average total assets | $250,565,000 | 2,627 |
| Average earning assets | $223,640,670 | 2,702 |
| Average equity | $20,839,670 | 3,121 |
| Average total loans | $187,863,330 | 2,481 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8228% | 3,183 |
| Cost of funding earning assets | 2.9873% | 621 |
| Net interest margin | 2.8354% | 6,912 |
| Noninterest income to average assets | 0.3056% | 5,997 |
| Noninterest expense to average assets | 3.1721% | 3,102 |
| Loan and lease loss provision to assets | 1.7470% | 713 |
| Net operating income to assets | -1.2595% | 7,395 |
| Return on assets (ROA) | -1.1685% | 7,357 |
| Pretax return on assets | -1.9088% | 7,507 |
| Return on Equity (ROE) | -13.8335% | 7,559 |
| Retained earnings to average equity (ytd only) | -13.8335% | 7,373 |
| Net charge-offs to loans | 2.1090% | 687 |
| Credit loss provision to net charge-offs | 108.3080% | 3,542 |
| Earnings coverage of net charge-offs (x) | -0.1884% | 5,126 |
| Efficiency ratio | 110.5983% | 793 |
| Assets per employee ($millions) | 3.3864% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 3,479 |
| Loan loss allowance to noncurrent loans | 20.9830% | 7,116 |
| Noncurrent assets plus other real estate owned to assets | 6.5800% | 553 |
| Noncurrent loans to loans | 6.6890% | 630 |
| Net loans and leases to total assets | 73.8376% | 2,796 |
| Net loans and leases to deposits | 84.9471% | 3,832 |
| Net loans and leases to core deposits | 114.6271% | 2,944 |
| Total domestic deposits to total assets | 86.9218% | 2,257 |
| Equity capital to assets | 8.4205% | 6,201 |
| Core capital (leverage) ratio | 8.1082% | 6,273 |
| Tier 1 risk-based capital ratio | 9.8720% | 7,065 |
| Total risk-based capital ratio | 11.1227% | 6,958 |
| Memoranda: | ||
| Average total assets | $244,757,000 | 2,713 |
| Average earning assets | $221,199,500 | 2,747 |
| Average equity | $20,674,500 | 3,154 |
| Average total loans | $187,199,500 | 2,506 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8468% | 1,537 |
| Cost of funding earning assets | 3.4050% | 704 |
| Net interest margin | 3.4417% | 5,499 |
| Noninterest income to average assets | 0.3753% | 5,693 |
| Noninterest expense to average assets | 3.7967% | 1,762 |
| Loan and lease loss provision to assets | 1.8534% | 676 |
| Net operating income to assets | -1.2992% | 7,388 |
| Return on assets (ROA) | -1.2872% | 7,327 |
| Pretax return on assets | -2.0881% | 7,467 |
| Return on Equity (ROE) | -15.1558% | 7,595 |
| Retained earnings to average equity (ytd only) | -15.1558% | 7,470 |
| Net charge-offs to loans | 2.1413% | 495 |
| Credit loss provision to net charge-offs | 104.0769% | 5,136 |
| Earnings coverage of net charge-offs (x) | -0.1423% | 6,346 |
| Efficiency ratio | 107.1521% | 781 |
| Assets per employee ($millions) | 3.4132% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 3,381 |
| Loan loss allowance to noncurrent loans | 24.0550% | 7,056 |
| Noncurrent assets plus other real estate owned to assets | 5.1661% | 660 |
| Noncurrent loans to loans | 5.6813% | 676 |
| Net loans and leases to total assets | 77.0888% | 2,353 |
| Net loans and leases to deposits | 89.1733% | 3,605 |
| Net loans and leases to core deposits | 122.0169% | 2,504 |
| Total domestic deposits to total assets | 86.4483% | 2,194 |
| Equity capital to assets | 8.4747% | 6,128 |
| Core capital (leverage) ratio | 8.2683% | 6,014 |
| Tier 1 risk-based capital ratio | 9.6292% | 7,175 |
| Total risk-based capital ratio | 10.8797% | 7,062 |
| Memoranda: | ||
| Average total assets | $219,005,400 | 2,885 |
| Average earning assets | $201,583,800 | 2,876 |
| Average equity | $18,600,200 | 3,460 |
| Average total loans | $182,133,400 | 2,479 |