Home > First Western Bank & Trust > Performance and Condition Ratios
First Western Bank & Trust, 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 | 4.9363% | 3,460 |
| Cost of funding earning assets | 1.3635% | 1,582 |
| Net interest margin | 3.5728% | 4,825 |
| Noninterest income to average assets | 0.0723% | 6,950 |
| Noninterest expense to average assets | 2.6056% | 5,156 |
| Loan and lease loss provision to assets | 0.2709% | 3,227 |
| Net operating income to assets | 0.2213% | 5,663 |
| Return on assets (ROA) | 0.2213% | 5,780 |
| Pretax return on assets | 0.3432% | 5,567 |
| Return on Equity (ROE) | 1.0184% | 6,082 |
| Retained earnings to average equity (ytd only) | 1.0184% | 5,455 |
| Net charge-offs to loans | 1.0945% | 1,442 |
| Credit loss provision to net charge-offs | 34.4828% | 4,918 |
| Earnings coverage of net charge-offs (x) | 0.7816% | 4,714 |
| Efficiency ratio | 80.9257% | 2,252 |
| Assets per employee ($millions) | 6.1517% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 4,235 |
| Loan loss allowance to noncurrent loans | 74.5955% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 3.9780% | 1,614 |
| Noncurrent loans to loans | 1.9781% | 3,514 |
| Net loans and leases to total assets | 71.4807% | 1,888 |
| Net loans and leases to deposits | 95.5190% | 764 |
| Net loans and leases to core deposits | 99.4925% | 1,390 |
| Total domestic deposits to total assets | 74.8340% | 6,749 |
| Equity capital to assets | 22.4026% | 169 |
| Core capital (leverage) ratio | 22.3538% | 150 |
| Tier 1 risk-based capital ratio | 26.4497% | 769 |
| Total risk-based capital ratio | 27.6999% | 753 |
| Memoranda: | ||
| Average total assets | $44,290,000 | 6,638 |
| Average earning assets | $39,017,000 | 6,684 |
| Average equity | $9,623,330 | 5,147 |
| Average total loans | $31,796,000 | 6,212 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 4,061 |
| Cost of funding earning assets | 1.4059% | 1,579 |
| Net interest margin | 3.3942% | 5,451 |
| Noninterest income to average assets | 0.0624% | 7,085 |
| Noninterest expense to average assets | 2.4140% | 5,842 |
| Loan and lease loss provision to assets | 0.2672% | 3,001 |
| Net operating income to assets | 0.2494% | 5,619 |
| Return on assets (ROA) | 0.2494% | 5,685 |
| Pretax return on assets | 0.3919% | 5,367 |
| Return on Equity (ROE) | 1.1653% | 6,082 |
| Retained earnings to average equity (ytd only) | 1.1653% | 5,355 |
| Net charge-offs to loans | 2.1700% | 571 |
| Credit loss provision to net charge-offs | 17.2414% | 4,291 |
| Earnings coverage of net charge-offs (x) | 0.4253% | 4,302 |
| Efficiency ratio | 78.5507% | 2,761 |
| Assets per employee ($millions) | 6.2900% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 4,799 |
| Loan loss allowance to noncurrent loans | 69.1814% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 3.9019% | 1,711 |
| Noncurrent loans to loans | 1.9843% | 3,592 |
| Net loans and leases to total assets | 70.3270% | 2,067 |
| Net loans and leases to deposits | 95.6153% | 717 |
| Net loans and leases to core deposits | 100.3988% | 1,305 |
| Total domestic deposits to total assets | 73.5521% | 6,946 |
| Equity capital to assets | 21.8624% | 175 |
| Core capital (leverage) ratio | 21.6826% | 168 |
| Tier 1 risk-based capital ratio | 26.1420% | 776 |
| Total risk-based capital ratio | 27.3125% | 763 |
| Memoranda: | ||
| Average total assets | $44,904,000 | 6,672 |
| Average earning assets | $39,833,000 | 6,695 |
| Average equity | $9,611,500 | 5,145 |
| Average total loans | $32,073,000 | 6,239 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2573% | 3,326 |
| Cost of funding earning assets | 1.6772% | 1,697 |
| Net interest margin | 3.5801% | 4,913 |
| Noninterest income to average assets | 0.0748% | 7,010 |
| Noninterest expense to average assets | 2.8639% | 4,363 |
| Loan and lease loss provision to assets | 2.3020% | 526 |
| Net operating income to assets | -1.1397% | 6,757 |
| Return on assets (ROA) | -1.1397% | 6,780 |
| Pretax return on assets | -1.8557% | 6,980 |
| Return on Equity (ROE) | -5.0685% | 6,438 |
| Retained earnings to average equity (ytd only) | -5.0685% | 6,306 |
| Net charge-offs to loans | 5.8932% | 101 |
| Credit loss provision to net charge-offs | 48.6357% | 6,284 |
| Earnings coverage of net charge-offs (x) | 0.0943% | 6,024 |
| Efficiency ratio | 86.5161% | 1,630 |
| Assets per employee ($millions) | 6.5397% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7557% | 3,005 |
| Loan loss allowance to noncurrent loans | 30.3590% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 4.1374% | 1,624 |
| Noncurrent loans to loans | 5.7832% | 1,098 |
| Net loans and leases to total assets | 70.2849% | 2,475 |
| Net loans and leases to deposits | 94.1974% | 1,044 |
| Net loans and leases to core deposits | 108.7655% | 1,001 |
| Total domestic deposits to total assets | 74.6144% | 6,816 |
| Equity capital to assets | 20.9642% | 210 |
| Core capital (leverage) ratio | 20.5626% | 207 |
| Tier 1 risk-based capital ratio | 25.7168% | 783 |
| Total risk-based capital ratio | 26.9709% | 760 |
| Memoranda: | ||
| Average total assets | $44,135,200 | 6,725 |
| Average earning assets | $39,887,400 | 6,720 |
| Average equity | $9,924,000 | 5,159 |
| Average total loans | $35,447,600 | 6,143 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3543% | 3,098 |
| Cost of funding earning assets | 1.7319% | 1,713 |
| Net interest margin | 3.6224% | 4,772 |
| Noninterest income to average assets | 0.0762% | 7,155 |
| Noninterest expense to average assets | 2.8603% | 4,242 |
| Loan and lease loss provision to assets | 1.3874% | 972 |
| Net operating income to assets | -0.5489% | 6,627 |
| Return on assets (ROA) | -0.5489% | 6,682 |
| Pretax return on assets | -0.8995% | 6,805 |
| Return on Equity (ROE) | -2.3985% | 6,442 |
| Retained earnings to average equity (ytd only) | -2.3985% | 6,268 |
| Net charge-offs to loans | 4.9719% | 179 |
| Credit loss provision to net charge-offs | 33.7788% | 6,109 |
| Earnings coverage of net charge-offs (x) | 0.1188% | 5,903 |
| Efficiency ratio | 85.4281% | 1,688 |
| Assets per employee ($millions) | 6.7961% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2223% | 1,758 |
| Loan loss allowance to noncurrent loans | 32.9987% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 4.8158% | 1,368 |
| Noncurrent loans to loans | 6.7345% | 868 |
| Net loans and leases to total assets | 69.9199% | 2,748 |
| Net loans and leases to deposits | 93.2886% | 1,282 |
| Net loans and leases to core deposits | 105.3227% | 1,378 |
| Total domestic deposits to total assets | 74.9501% | 6,804 |
| Equity capital to assets | 20.8543% | 239 |
| Core capital (leverage) ratio | 21.7633% | 185 |
| Tier 1 risk-based capital ratio | 25.7929% | 789 |
| Total risk-based capital ratio | 27.0669% | 774 |
| Memoranda: | ||
| Average total assets | $43,724,500 | 6,829 |
| Average earning assets | $39,493,750 | 6,815 |
| Average equity | $10,005,750 | 5,193 |
| Average total loans | $36,122,000 | 6,197 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 3,830 |
| Cost of funding earning assets | 1.7917% | 1,673 |
| Net interest margin | 3.4318% | 5,511 |
| Noninterest income to average assets | 0.0707% | 7,227 |
| Noninterest expense to average assets | 2.9829% | 3,764 |
| Loan and lease loss provision to assets | 1.5786% | 832 |
| Net operating income to assets | -0.8529% | 6,884 |
| Return on assets (ROA) | -0.8529% | 6,898 |
| Pretax return on assets | -1.3949% | 7,046 |
| Return on Equity (ROE) | -3.6077% | 6,583 |
| Retained earnings to average equity (ytd only) | -3.6077% | 6,390 |
| Net charge-offs to loans | 0.1521% | 4,727 |
| Credit loss provision to net charge-offs | 1,196.4286% | 325 |
| Earnings coverage of net charge-offs (x) | 1.3929% | 4,445 |
| Efficiency ratio | 94.1964% | 1,059 |
| Assets per employee ($millions) | 6.3710% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2139% | 151 |
| Loan loss allowance to noncurrent loans | 40.8521% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 10.7361% | 346 |
| Noncurrent loans to loans | 12.7629% | 241 |
| Net loans and leases to total assets | 79.7341% | 842 |
| Net loans and leases to deposits | 110.6826% | 255 |
| Net loans and leases to core deposits | 125.5083% | 529 |
| Total domestic deposits to total assets | 72.0385% | 7,180 |
| Equity capital to assets | 22.2436% | 190 |
| Core capital (leverage) ratio | 22.4648% | 162 |
| Tier 1 risk-based capital ratio | 25.0803% | 837 |
| Total risk-based capital ratio | 26.3747% | 817 |
| Memoranda: | ||
| Average total assets | $42,441,670 | 6,919 |
| Average earning assets | $38,288,670 | 6,917 |
| Average equity | $10,034,000 | 5,188 |
| Average total loans | $36,823,000 | 6,201 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1980% | 4,031 |
| Cost of funding earning assets | 1.8075% | 1,845 |
| Net interest margin | 3.3905% | 5,618 |
| Noninterest income to average assets | 0.0774% | 7,312 |
| Noninterest expense to average assets | 3.0171% | 3,612 |
| Loan and lease loss provision to assets | 0.4352% | 2,785 |
| Net operating income to assets | -0.2031% | 6,546 |
| Return on assets (ROA) | -0.2031% | 6,616 |
| Pretax return on assets | -0.3094% | 6,648 |
| Return on Equity (ROE) | -0.8324% | 6,506 |
| Retained earnings to average equity (ytd only) | -0.8324% | 6,017 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0000% | 1,023 |
| Assets per employee ($millions) | 6.0457% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6535% | 233 |
| Loan loss allowance to noncurrent loans | 34.4316% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 11.6186% | 290 |
| Noncurrent loans to loans | 13.5153% | 229 |
| Net loans and leases to total assets | 81.9660% | 596 |
| Net loans and leases to deposits | 116.9009% | 175 |
| Net loans and leases to core deposits | 131.4686% | 450 |
| Total domestic deposits to total assets | 70.1158% | 7,402 |
| Equity capital to assets | 23.8185% | 168 |
| Core capital (leverage) ratio | 23.8914% | 152 |
| Tier 1 risk-based capital ratio | 25.8554% | 785 |
| Total risk-based capital ratio | 27.1456% | 771 |
| Memoranda: | ||
| Average total assets | $41,364,000 | 7,044 |
| Average earning assets | $37,399,000 | 7,041 |
| Average equity | $10,091,000 | 5,212 |
| Average total loans | $36,477,000 | 6,282 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 6,179 |
| Cost of funding earning assets | 2.2218% | 1,937 |
| Net interest margin | 2.8521% | 6,959 |
| Noninterest income to average assets | 0.0631% | 7,441 |
| Noninterest expense to average assets | 2.9587% | 4,309 |
| Loan and lease loss provision to assets | 3.3186% | 478 |
| Net operating income to assets | -2.2755% | 7,187 |
| Return on assets (ROA) | -2.2755% | 7,191 |
| Pretax return on assets | -3.5866% | 7,440 |
| Return on Equity (ROE) | -8.7256% | 6,526 |
| Retained earnings to average equity (ytd only) | -8.7256% | 6,414 |
| Net charge-offs to loans | 0.0415% | 6,695 |
| Credit loss provision to net charge-offs | 9,715.3846% | 37 |
| Earnings coverage of net charge-offs (x) | -7.8462% | 7,149 |
| Efficiency ratio | 109.9609% | 796 |
| Assets per employee ($millions) | 5.7726% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5061% | 249 |
| Loan loss allowance to noncurrent loans | 31.3487% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 13.0098% | 204 |
| Noncurrent loans to loans | 14.3740% | 194 |
| Net loans and leases to total assets | 86.4309% | 253 |
| Net loans and leases to deposits | 128.0336% | 102 |
| Net loans and leases to core deposits | 218.6092% | 69 |
| Total domestic deposits to total assets | 67.5064% | 7,580 |
| Equity capital to assets | 25.0000% | 164 |
| Core capital (leverage) ratio | 24.6468% | 159 |
| Tier 1 risk-based capital ratio | 26.0691% | 759 |
| Total risk-based capital ratio | 27.3595% | 739 |
| Memoranda: | ||
| Average total assets | $38,057,800 | 7,169 |
| Average earning assets | $35,061,800 | 7,133 |
| Average equity | $9,924,800 | 5,314 |
| Average total loans | $31,301,400 | 6,565 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1076% | 6,235 |
| Cost of funding earning assets | 2.3265% | 1,887 |
| Net interest margin | 2.7811% | 7,087 |
| Noninterest income to average assets | 0.0676% | 7,572 |
| Noninterest expense to average assets | 3.0103% | 4,004 |
| Loan and lease loss provision to assets | 4.2379% | 256 |
| Net operating income to assets | -2.9178% | 7,567 |
| Return on assets (ROA) | -2.9178% | 7,568 |
| Pretax return on assets | -4.6116% | 7,769 |
| Return on Equity (ROE) | -11.0653% | 6,962 |
| Retained earnings to average equity (ytd only) | -11.0653% | 6,889 |
| Net charge-offs to loans | 0.0578% | 6,123 |
| Credit loss provision to net charge-offs | 9,161.5385% | 35 |
| Earnings coverage of net charge-offs (x) | -8.0785% | 6,890 |
| Efficiency ratio | 114.1700% | 691 |
| Assets per employee ($millions) | 5.7846% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9922% | 141 |
| Loan loss allowance to noncurrent loans | 43.4639% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 8.9549% | 434 |
| Noncurrent loans to loans | 11.4860% | 301 |
| Net loans and leases to total assets | 74.0714% | 2,498 |
| Net loans and leases to deposits | 109.8403% | 467 |
| Net loans and leases to core deposits | 189.2542% | 138 |
| Total domestic deposits to total assets | 67.4355% | 7,612 |
| Equity capital to assets | 25.0642% | 174 |
| Core capital (leverage) ratio | 26.9394% | 151 |
| Tier 1 risk-based capital ratio | 29.0853% | 619 |
| Total risk-based capital ratio | 30.3781% | 605 |
| Memoranda: | ||
| Average total assets | $37,470,250 | 7,252 |
| Average earning assets | $34,614,000 | 7,222 |
| Average equity | $9,880,500 | 5,370 |
| Average total loans | $29,983,500 | 6,682 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3065% | 5,628 |
| Cost of funding earning assets | 2.4505% | 1,774 |
| Net interest margin | 2.8560% | 6,895 |
| Noninterest income to average assets | 0.0494% | 7,741 |
| Noninterest expense to average assets | 2.9948% | 4,103 |
| Loan and lease loss provision to assets | 2.2818% | 701 |
| Net operating income to assets | -1.6400% | 7,305 |
| Return on assets (ROA) | -1.6400% | 7,304 |
| Pretax return on assets | -2.5615% | 7,436 |
| Return on Equity (ROE) | -6.1076% | 6,721 |
| Retained earnings to average equity (ytd only) | -6.1076% | 6,464 |
| Net charge-offs to loans | 0.0883% | 5,311 |
| Credit loss provision to net charge-offs | 3,200.0000% | 153 |
| Earnings coverage of net charge-offs (x) | -3.9231% | 6,433 |
| Efficiency ratio | 110.3030% | 841 |
| Assets per employee ($millions) | 5.3373% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6635% | 774 |
| Loan loss allowance to noncurrent loans | 48.0504% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 4.4619% | 1,258 |
| Noncurrent loans to loans | 5.5432% | 1,044 |
| Net loans and leases to total assets | 78.3491% | 1,671 |
| Net loans and leases to deposits | 119.1420% | 256 |
| Net loans and leases to core deposits | 196.6808% | 130 |
| Total domestic deposits to total assets | 65.7611% | 7,753 |
| Equity capital to assets | 25.8853% | 185 |
| Core capital (leverage) ratio | 25.8372% | 189 |
| Tier 1 risk-based capital ratio | 28.8318% | 673 |
| Total risk-based capital ratio | 30.0963% | 658 |
| Memoranda: | ||
| Average total assets | $36,463,000 | 7,363 |
| Average earning assets | $34,033,670 | 7,315 |
| Average equity | $9,791,000 | 5,422 |
| Average total loans | $29,455,000 | 6,767 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3304% | 5,751 |
| Cost of funding earning assets | 2.4584% | 2,075 |
| Net interest margin | 2.8720% | 6,830 |
| Noninterest income to average assets | 0.0777% | 7,665 |
| Noninterest expense to average assets | 3.0099% | 3,722 |
| Loan and lease loss provision to assets | 3.8207% | 253 |
| Net operating income to assets | -2.6767% | 7,796 |
| Return on assets (ROA) | -2.6767% | 7,792 |
| Pretax return on assets | -4.0540% | 7,910 |
| Return on Equity (ROE) | -9.7858% | 7,350 |
| Retained earnings to average equity (ytd only) | -9.7858% | 7,089 |
| Net charge-offs to loans | 0.1784% | 3,572 |
| Credit loss provision to net charge-offs | 2,646.1538% | 255 |
| Earnings coverage of net charge-offs (x) | -1.6154% | 5,441 |
| Efficiency ratio | 108.4000% | 855 |
| Assets per employee ($millions) | 5.2069% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4511% | 802 |
| Loan loss allowance to noncurrent loans | 44.3971% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 4.5050% | 1,068 |
| Noncurrent loans to loans | 5.5208% | 924 |
| Net loans and leases to total assets | 79.6011% | 1,459 |
| Net loans and leases to deposits | 123.1556% | 231 |
| Net loans and leases to core deposits | 202.1389% | 135 |
| Total domestic deposits to total assets | 64.6345% | 7,813 |
| Equity capital to assets | 26.6983% | 189 |
| Core capital (leverage) ratio | 27.5982% | 184 |
| Tier 1 risk-based capital ratio | 28.9770% | 691 |
| Total risk-based capital ratio | 30.2371% | 672 |
| Memoranda: | ||
| Average total assets | $36,014,000 | 7,414 |
| Average earning assets | $33,843,500 | 7,362 |
| Average equity | $9,851,000 | 5,433 |
| Average total loans | $29,146,000 | 6,815 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0869% | 5,112 |
| Cost of funding earning assets | 2.5570% | 3,917 |
| Net interest margin | 3.5299% | 5,189 |
| Noninterest income to average assets | 0.1493% | 7,349 |
| Noninterest expense to average assets | 3.9813% | 1,449 |
| Loan and lease loss provision to assets | 0.8918% | 1,672 |
| Net operating income to assets | -0.9142% | 7,196 |
| Return on assets (ROA) | -0.9142% | 7,118 |
| Pretax return on assets | -1.4477% | 7,233 |
| Return on Equity (ROE) | -2.4510% | 6,559 |
| Retained earnings to average equity (ytd only) | -2.4510% | 5,987 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.2309% | 615 |
| Assets per employee ($millions) | 5.0829% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 3,228 |
| 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 | 79.1231% | 1,854 |
| Net loans and leases to deposits | 125.1701% | 283 |
| Net loans and leases to core deposits | 206.2569% | 151 |
| Total domestic deposits to total assets | 63.2125% | 7,826 |
| Equity capital to assets | 28.0242% | 198 |
| Core capital (leverage) ratio | 29.1731% | 195 |
| Tier 1 risk-based capital ratio | 31.0837% | 584 |
| Total risk-based capital ratio | 32.3250% | 575 |
| Memoranda: | ||
| Average total assets | $26,800,600 | 7,769 |
| Average earning assets | $24,873,000 | 7,748 |
| Average equity | $9,995,800 | 5,413 |
| Average total loans | $21,699,600 | 7,212 |