Home > Firstbank - St. Johns > Performance and Condition Ratios
Firstbank - St. Johns, 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 | 4.6693% | 4,664 |
| Cost of funding earning assets | 0.7645% | 5,595 |
| Net interest margin | 3.9048% | 3,287 |
| Noninterest income to average assets | 0.5297% | 3,629 |
| Noninterest expense to average assets | 3.0833% | 3,317 |
| Loan and lease loss provision to assets | 2.6584% | 186 |
| Net operating income to assets | -1.0344% | 6,949 |
| Return on assets (ROA) | -1.0291% | 6,957 |
| Pretax return on assets | -1.5829% | 7,092 |
| Return on Equity (ROE) | -11.9644% | 6,987 |
| Retained earnings to average equity (ytd only) | -11.9644% | 6,937 |
| Net charge-offs to loans | 4.5755% | 154 |
| Credit loss provision to net charge-offs | 86.1057% | 3,584 |
| Earnings coverage of net charge-offs (x) | 0.3457% | 5,050 |
| Efficiency ratio | 74.2843% | 3,312 |
| Assets per employee ($millions) | 4.1834% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6560% | 1,231 |
| Loan loss allowance to noncurrent loans | 73.5555% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 2.6474% | 2,519 |
| Noncurrent loans to loans | 3.6109% | 1,948 |
| Net loans and leases to total assets | 63.6631% | 3,539 |
| Net loans and leases to deposits | 72.5289% | 4,032 |
| Net loans and leases to core deposits | 91.0125% | 2,255 |
| Total domestic deposits to total assets | 87.7761% | 2,296 |
| Equity capital to assets | 9.6452% | 4,604 |
| Core capital (leverage) ratio | 9.6725% | 3,699 |
| Tier 1 risk-based capital ratio | 14.1456% | 4,065 |
| Total risk-based capital ratio | 15.4124% | 4,022 |
| Memoranda: | ||
| Average total assets | $99,308,330 | 4,978 |
| Average earning assets | $92,091,000 | 4,932 |
| Average equity | $8,542,000 | 5,443 |
| Average total loans | $67,009,670 | 4,681 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 5,226 |
| Cost of funding earning assets | 0.8111% | 5,521 |
| Net interest margin | 3.7239% | 3,980 |
| Noninterest income to average assets | 0.4253% | 4,494 |
| Noninterest expense to average assets | 3.0457% | 3,466 |
| Loan and lease loss provision to assets | 1.1340% | 636 |
| Net operating income to assets | -0.1782% | 6,537 |
| Return on assets (ROA) | -0.1782% | 6,556 |
| Pretax return on assets | -0.2957% | 6,618 |
| Return on Equity (ROE) | -2.2080% | 6,609 |
| Retained earnings to average equity (ytd only) | -2.2080% | 6,185 |
| Net charge-offs to loans | 1.5129% | 899 |
| Credit loss provision to net charge-offs | 109.3750% | 2,441 |
| Earnings coverage of net charge-offs (x) | 0.8086% | 4,038 |
| Efficiency ratio | 78.4150% | 2,783 |
| Assets per employee ($millions) | 4.4657% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9681% | 942 |
| Loan loss allowance to noncurrent loans | 53.5695% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 3.8497% | 1,735 |
| Noncurrent loans to loans | 5.5407% | 1,176 |
| Net loans and leases to total assets | 63.0533% | 3,640 |
| Net loans and leases to deposits | 70.4570% | 4,277 |
| Net loans and leases to core deposits | 85.6550% | 2,931 |
| Total domestic deposits to total assets | 89.4918% | 1,487 |
| Equity capital to assets | 7.8512% | 6,631 |
| Core capital (leverage) ratio | 8.3171% | 5,783 |
| Tier 1 risk-based capital ratio | 11.7978% | 5,853 |
| Total risk-based capital ratio | 13.0679% | 5,841 |
| Memoranda: | ||
| Average total assets | $98,761,500 | 5,030 |
| Average earning assets | $91,731,500 | 4,980 |
| Average equity | $7,971,000 | 5,611 |
| Average total loans | $67,683,000 | 4,697 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1531% | 3,833 |
| Cost of funding earning assets | 1.2801% | 4,018 |
| Net interest margin | 3.8730% | 3,622 |
| Noninterest income to average assets | 0.8621% | 2,005 |
| Noninterest expense to average assets | 3.0573% | 3,638 |
| Loan and lease loss provision to assets | 1.5945% | 902 |
| Net operating income to assets | -0.1150% | 6,012 |
| Return on assets (ROA) | -0.1124% | 6,063 |
| Pretax return on assets | -0.1935% | 6,081 |
| Return on Equity (ROE) | -1.3975% | 6,109 |
| Retained earnings to average equity (ytd only) | -1.3975% | 5,872 |
| Net charge-offs to loans | 1.3886% | 1,606 |
| Credit loss provision to net charge-offs | 158.5096% | 2,216 |
| Earnings coverage of net charge-offs (x) | 1.3887% | 4,723 |
| Efficiency ratio | 68.6377% | 4,433 |
| Assets per employee ($millions) | 4.1223% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8518% | 997 |
| Loan loss allowance to noncurrent loans | 47.0433% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 4.5964% | 1,450 |
| Noncurrent loans to loans | 6.0621% | 1,025 |
| Net loans and leases to total assets | 70.3131% | 2,463 |
| Net loans and leases to deposits | 78.4804% | 3,435 |
| Net loans and leases to core deposits | 95.7900% | 2,038 |
| Total domestic deposits to total assets | 89.5932% | 1,329 |
| Equity capital to assets | 8.3090% | 6,132 |
| Core capital (leverage) ratio | 8.2459% | 5,756 |
| Tier 1 risk-based capital ratio | 11.4040% | 5,988 |
| Total risk-based capital ratio | 12.6734% | 5,968 |
| Memoranda: | ||
| Average total assets | $98,715,400 | 5,022 |
| Average earning assets | $91,555,800 | 4,963 |
| Average equity | $7,943,000 | 5,732 |
| Average total loans | $71,510,000 | 4,623 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2057% | 3,798 |
| Cost of funding earning assets | 1.3674% | 3,792 |
| Net interest margin | 3.8383% | 3,802 |
| Noninterest income to average assets | 0.7503% | 2,500 |
| Noninterest expense to average assets | 2.9825% | 3,811 |
| Loan and lease loss provision to assets | 1.5688% | 835 |
| Net operating income to assets | -0.1439% | 6,235 |
| Return on assets (ROA) | -0.1404% | 6,315 |
| Pretax return on assets | -0.2367% | 6,349 |
| Return on Equity (ROE) | -1.7590% | 6,372 |
| Retained earnings to average equity (ytd only) | -1.7590% | 6,153 |
| Net charge-offs to loans | 1.4656% | 1,377 |
| Credit loss provision to net charge-offs | 147.7330% | 2,652 |
| Earnings coverage of net charge-offs (x) | 1.2494% | 4,818 |
| Efficiency ratio | 69.2117% | 4,218 |
| Assets per employee ($millions) | 4.0431% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5131% | 1,304 |
| Loan loss allowance to noncurrent loans | 65.0000% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 2.9278% | 2,483 |
| Noncurrent loans to loans | 3.8663% | 1,970 |
| Net loans and leases to total assets | 70.1599% | 2,700 |
| Net loans and leases to deposits | 78.5406% | 3,727 |
| Net loans and leases to core deposits | 93.7546% | 2,558 |
| Total domestic deposits to total assets | 89.3295% | 1,213 |
| Equity capital to assets | 8.1755% | 6,637 |
| Core capital (leverage) ratio | 7.9810% | 6,373 |
| Tier 1 risk-based capital ratio | 11.2011% | 6,188 |
| Total risk-based capital ratio | 12.4673% | 6,168 |
| Memoranda: | ||
| Average total assets | $99,691,000 | 5,058 |
| Average earning assets | $92,435,500 | 4,996 |
| Average equity | $7,959,250 | 5,804 |
| Average total loans | $72,231,750 | 4,672 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1028% | 4,439 |
| Cost of funding earning assets | 1.4494% | 3,560 |
| Net interest margin | 3.6534% | 4,565 |
| Noninterest income to average assets | 0.4017% | 4,902 |
| Noninterest expense to average assets | 2.8178% | 4,405 |
| Loan and lease loss provision to assets | 1.2985% | 1,058 |
| Net operating income to assets | -0.2000% | 6,361 |
| Return on assets (ROA) | -0.1949% | 6,401 |
| Pretax return on assets | -0.3182% | 6,448 |
| Return on Equity (ROE) | -2.4598% | 6,461 |
| Retained earnings to average equity (ytd only) | -2.4598% | 6,217 |
| Net charge-offs to loans | 1.8923% | 978 |
| Credit loss provision to net charge-offs | 94.5007% | 4,282 |
| Earnings coverage of net charge-offs (x) | 0.7077% | 5,034 |
| Efficiency ratio | 74.3442% | 3,404 |
| Assets per employee ($millions) | 4.1842% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8310% | 2,629 |
| Loan loss allowance to noncurrent loans | 50.0374% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 2.7504% | 2,629 |
| Noncurrent loans to loans | 3.6592% | 2,150 |
| Net loans and leases to total assets | 71.4380% | 2,556 |
| Net loans and leases to deposits | 79.4071% | 3,712 |
| Net loans and leases to core deposits | 93.1336% | 2,829 |
| Total domestic deposits to total assets | 89.9642% | 934 |
| Equity capital to assets | 7.8948% | 6,853 |
| Core capital (leverage) ratio | 7.8932% | 6,390 |
| Tier 1 risk-based capital ratio | 10.7300% | 6,499 |
| Total risk-based capital ratio | 11.9868% | 6,484 |
| Memoranda: | ||
| Average total assets | $100,576,670 | 5,061 |
| Average earning assets | $93,282,330 | 5,009 |
| Average equity | $7,968,000 | 5,819 |
| Average total loans | $73,031,000 | 4,677 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1093% | 4,486 |
| Cost of funding earning assets | 1.4886% | 3,627 |
| Net interest margin | 3.6207% | 4,620 |
| Noninterest income to average assets | 0.3537% | 5,308 |
| Noninterest expense to average assets | 2.6864% | 4,971 |
| Loan and lease loss provision to assets | 0.8266% | 1,531 |
| Net operating income to assets | 0.1432% | 5,882 |
| Return on assets (ROA) | 0.1550% | 5,961 |
| Pretax return on assets | 0.2106% | 5,848 |
| Return on Equity (ROE) | 1.9529% | 5,782 |
| Retained earnings to average equity (ytd only) | 1.9529% | 4,960 |
| Net charge-offs to loans | 0.7616% | 1,987 |
| Credit loss provision to net charge-offs | 149.6403% | 2,389 |
| Earnings coverage of net charge-offs (x) | 1.8489% | 3,628 |
| Efficiency ratio | 72.4544% | 3,853 |
| Assets per employee ($millions) | 4.5409% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9728% | 2,258 |
| Loan loss allowance to noncurrent loans | 81.7770% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.8569% | 3,693 |
| Noncurrent loans to loans | 2.4124% | 3,264 |
| Net loans and leases to total assets | 71.8746% | 2,483 |
| Net loans and leases to deposits | 80.8636% | 3,485 |
| Net loans and leases to core deposits | 104.6570% | 1,689 |
| Total domestic deposits to total assets | 88.8838% | 1,578 |
| Equity capital to assets | 8.0111% | 6,640 |
| Core capital (leverage) ratio | 7.9889% | 6,260 |
| Tier 1 risk-based capital ratio | 10.5112% | 6,620 |
| Total risk-based capital ratio | 11.7692% | 6,608 |
| Memoranda: | ||
| Average total assets | $100,655,000 | 5,127 |
| Average earning assets | $93,241,500 | 5,072 |
| Average equity | $7,988,000 | 5,849 |
| Average total loans | $73,008,500 | 4,746 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7789% | 2,745 |
| Cost of funding earning assets | 1.8054% | 3,966 |
| Net interest margin | 3.9735% | 2,974 |
| Noninterest income to average assets | 0.9203% | 1,866 |
| Noninterest expense to average assets | 3.3569% | 2,814 |
| Loan and lease loss provision to assets | 1.1245% | 2,034 |
| Net operating income to assets | 0.0938% | 5,230 |
| Return on assets (ROA) | 0.1776% | 5,039 |
| Pretax return on assets | 0.2786% | 4,822 |
| Return on Equity (ROE) | 2.0689% | 4,876 |
| Retained earnings to average equity (ytd only) | 2.0689% | 3,654 |
| Net charge-offs to loans | 0.6364% | 3,288 |
| Credit loss provision to net charge-offs | 215.5319% | 1,775 |
| Earnings coverage of net charge-offs (x) | 2.4383% | 3,905 |
| Efficiency ratio | 72.5180% | 4,181 |
| Assets per employee ($millions) | 4.4092% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8909% | 2,283 |
| Loan loss allowance to noncurrent loans | 77.9603% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.8272% | 3,632 |
| Noncurrent loans to loans | 2.4255% | 3,131 |
| Net loans and leases to total assets | 70.4006% | 3,159 |
| Net loans and leases to deposits | 78.8753% | 4,196 |
| Net loans and leases to core deposits | 121.0129% | 1,880 |
| Total domestic deposits to total assets | 89.2556% | 1,352 |
| Equity capital to assets | 7.8621% | 6,708 |
| Core capital (leverage) ratio | 8.6361% | 5,043 |
| Tier 1 risk-based capital ratio | 10.9614% | 5,950 |
| Total risk-based capital ratio | 12.2189% | 5,912 |
| Memoranda: | ||
| Average total assets | $90,084,000 | 5,387 |
| Average earning assets | $84,081,400 | 5,328 |
| Average equity | $7,733,600 | 6,015 |
| Average total loans | $73,858,000 | 4,737 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9029% | 2,437 |
| Cost of funding earning assets | 1.8685% | 4,054 |
| Net interest margin | 4.0343% | 2,659 |
| Noninterest income to average assets | 1.0116% | 1,561 |
| Noninterest expense to average assets | 3.5482% | 2,150 |
| Loan and lease loss provision to assets | 0.6922% | 2,660 |
| Net operating income to assets | 0.3938% | 4,422 |
| Return on assets (ROA) | 0.3927% | 4,527 |
| Pretax return on assets | 0.5639% | 4,319 |
| Return on Equity (ROE) | 4.4654% | 4,179 |
| Retained earnings to average equity (ytd only) | 4.4654% | 2,780 |
| Net charge-offs to loans | 0.4604% | 3,386 |
| Credit loss provision to net charge-offs | 176.9531% | 2,608 |
| Earnings coverage of net charge-offs (x) | 3.2149% | 3,632 |
| Efficiency ratio | 73.8315% | 3,887 |
| Assets per employee ($millions) | 3.7434% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 4,184 |
| Loan loss allowance to noncurrent loans | 58.1921% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 2.0770% | 3,241 |
| Noncurrent loans to loans | 2.3255% | 3,232 |
| Net loans and leases to total assets | 83.5721% | 597 |
| Net loans and leases to deposits | 95.2141% | 1,681 |
| Net loans and leases to core deposits | 145.8186% | 694 |
| Total domestic deposits to total assets | 87.7728% | 1,762 |
| Equity capital to assets | 9.0827% | 5,367 |
| Core capital (leverage) ratio | 9.1525% | 4,413 |
| Tier 1 risk-based capital ratio | 10.8793% | 6,075 |
| Total risk-based capital ratio | 12.1268% | 6,038 |
| Memoranda: | ||
| Average total assets | $87,252,250 | 5,509 |
| Average earning assets | $82,060,000 | 5,418 |
| Average equity | $7,673,750 | 6,093 |
| Average total loans | $74,130,000 | 4,768 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8617% | 2,753 |
| Cost of funding earning assets | 1.9654% | 3,940 |
| Net interest margin | 3.8963% | 3,131 |
| Noninterest income to average assets | 1.2316% | 1,019 |
| Noninterest expense to average assets | 3.6972% | 1,845 |
| Loan and lease loss provision to assets | 0.6899% | 2,361 |
| Net operating income to assets | 0.3466% | 4,689 |
| Return on assets (ROA) | 0.3450% | 4,816 |
| Pretax return on assets | 0.4954% | 4,630 |
| Return on Equity (ROE) | 3.9672% | 4,508 |
| Retained earnings to average equity (ytd only) | 3.9672% | 3,076 |
| Net charge-offs to loans | 0.6424% | 2,428 |
| Credit loss provision to net charge-offs | 126.2712% | 3,680 |
| Earnings coverage of net charge-offs (x) | 2.1737% | 3,985 |
| Efficiency ratio | 75.6872% | 3,746 |
| Assets per employee ($millions) | 3.6766% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 5,041 |
| Loan loss allowance to noncurrent loans | 314.0351% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 6,375 |
| Noncurrent loans to loans | 0.3776% | 6,567 |
| Net loans and leases to total assets | 84.5182% | 556 |
| Net loans and leases to deposits | 96.8558% | 1,675 |
| Net loans and leases to core deposits | 149.5928% | 666 |
| Total domestic deposits to total assets | 87.2619% | 2,121 |
| Equity capital to assets | 9.0629% | 5,222 |
| Core capital (leverage) ratio | 9.3359% | 4,121 |
| Tier 1 risk-based capital ratio | 10.6658% | 6,218 |
| Total risk-based capital ratio | 11.8732% | 6,198 |
| Memoranda: | ||
| Average total assets | $86,389,330 | 5,572 |
| Average earning assets | $81,000,000 | 5,496 |
| Average equity | $7,511,670 | 6,177 |
| Average total loans | $73,469,330 | 4,828 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8379% | 3,105 |
| Cost of funding earning assets | 2.0522% | 3,859 |
| Net interest margin | 3.7856% | 3,510 |
| Noninterest income to average assets | 1.1233% | 1,173 |
| Noninterest expense to average assets | 3.6413% | 1,774 |
| Loan and lease loss provision to assets | 0.3978% | 2,941 |
| Net operating income to assets | 0.4385% | 4,705 |
| Return on assets (ROA) | 0.4353% | 4,894 |
| Pretax return on assets | 0.6365% | 4,632 |
| Return on Equity (ROE) | 5.1176% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.1176% | 3,055 |
| Net charge-offs to loans | 0.4913% | 2,234 |
| Credit loss provision to net charge-offs | 95.5056% | 3,883 |
| Earnings coverage of net charge-offs (x) | 2.4944% | 3,499 |
| Efficiency ratio | 77.8000% | 3,201 |
| Assets per employee ($millions) | 3.6783% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 5,217 |
| Loan loss allowance to noncurrent loans | 58.0126% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.9113% | 3,037 |
| Noncurrent loans to loans | 1.9581% | 3,323 |
| Net loans and leases to total assets | 85.2849% | 523 |
| Net loans and leases to deposits | 101.2958% | 1,252 |
| Net loans and leases to core deposits | 145.6860% | 877 |
| Total domestic deposits to total assets | 84.1939% | 3,605 |
| Equity capital to assets | 9.3191% | 4,910 |
| Core capital (leverage) ratio | 9.1515% | 4,479 |
| Tier 1 risk-based capital ratio | 11.0452% | 5,865 |
| Total risk-based capital ratio | 12.2106% | 5,849 |
| Memoranda: | ||
| Average total assets | $85,464,500 | 5,630 |
| Average earning assets | $80,303,500 | 5,541 |
| Average equity | $7,269,000 | 6,311 |
| Average total loans | $72,467,500 | 4,891 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5524% | 2,706 |
| Cost of funding earning assets | 2.6956% | 3,175 |
| Net interest margin | 3.8567% | 3,765 |
| Noninterest income to average assets | 0.6091% | 3,779 |
| Noninterest expense to average assets | 3.2687% | 3,079 |
| Loan and lease loss provision to assets | 0.7207% | 2,050 |
| Net operating income to assets | 0.1499% | 5,980 |
| Return on assets (ROA) | -0.1815% | 6,448 |
| Pretax return on assets | -0.3198% | 6,481 |
| Return on Equity (ROE) | -2.3268% | 6,547 |
| Retained earnings to average equity (ytd only) | -2.3268% | 5,961 |
| Net charge-offs to loans | 0.5901% | 2,058 |
| Credit loss provision to net charge-offs | 141.6459% | 3,738 |
| Earnings coverage of net charge-offs (x) | 1.8055% | 5,171 |
| Efficiency ratio | 78.0606% | 2,909 |
| Assets per employee ($millions) | 3.7534% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 4,864 |
| Loan loss allowance to noncurrent loans | 73.7168% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 1.3645% | 3,471 |
| Noncurrent loans to loans | 1.5704% | 3,429 |
| Net loans and leases to total assets | 82.3848% | 1,155 |
| Net loans and leases to deposits | 97.1148% | 2,275 |
| Net loans and leases to core deposits | 149.7841% | 866 |
| Total domestic deposits to total assets | 84.8324% | 2,920 |
| Equity capital to assets | 7.7077% | 7,191 |
| Core capital (leverage) ratio | 7.8004% | 6,798 |
| Tier 1 risk-based capital ratio | 9.2806% | 7,541 |
| Total risk-based capital ratio | 10.4580% | 7,558 |
| Memoranda: | ||
| Average total assets | $78,808,000 | 5,738 |
| Average earning assets | $73,118,800 | 5,705 |
| Average equity | $6,145,800 | 6,753 |
| Average total loans | $67,955,000 | 4,947 |