Home > Founders Bank, SSB > Performance and Condition Ratios
Founders Bank, SSB, 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 | 4.2177% | 6,243 |
| Cost of funding earning assets | 0.8729% | 4,878 |
| Net interest margin | 3.3448% | 5,727 |
| Noninterest income to average assets | 0.8637% | 1,760 |
| Noninterest expense to average assets | 4.0302% | 1,005 |
| Loan and lease loss provision to assets | 0.2424% | 3,481 |
| Net operating income to assets | -0.2992% | 6,556 |
| Return on assets (ROA) | -0.2992% | 6,585 |
| Pretax return on assets | -0.2992% | 6,531 |
| Return on Equity (ROE) | -2.2897% | 6,541 |
| Retained earnings to average equity (ytd only) | -2.2897% | 6,291 |
| Net charge-offs to loans | 0.7691% | 1,964 |
| Credit loss provision to net charge-offs | 48.9164% | 4,609 |
| Earnings coverage of net charge-offs (x) | -0.1146% | 5,355 |
| Efficiency ratio | 101.4286% | 685 |
| Assets per employee ($millions) | 6.1986% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 5,314 |
| Loan loss allowance to noncurrent loans | 68.0132% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 3.7033% | 1,757 |
| Noncurrent loans to loans | 1.8371% | 3,697 |
| Net loans and leases to total assets | 65.4726% | 3,142 |
| Net loans and leases to deposits | 75.8854% | 3,500 |
| Net loans and leases to core deposits | 76.8671% | 4,202 |
| Total domestic deposits to total assets | 86.2782% | 3,171 |
| Equity capital to assets | 13.6580% | 1,220 |
| Core capital (leverage) ratio | 12.8793% | 1,209 |
| Tier 1 risk-based capital ratio | 19.5301% | 1,710 |
| Total risk-based capital ratio | 20.7725% | 1,684 |
| Memoranda: | ||
| Average total assets | $130,365,330 | 4,226 |
| Average earning assets | $121,204,000 | 4,164 |
| Average equity | $17,032,670 | 3,564 |
| Average total loans | $83,991,670 | 4,097 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 6,138 |
| Cost of funding earning assets | 0.9142% | 4,821 |
| Net interest margin | 3.3392% | 5,648 |
| Noninterest income to average assets | 0.8985% | 1,671 |
| Noninterest expense to average assets | 3.7526% | 1,438 |
| Loan and lease loss provision to assets | 0.0749% | 5,063 |
| Net operating income to assets | 0.1557% | 5,922 |
| Return on assets (ROA) | 0.1557% | 5,980 |
| Pretax return on assets | 0.1557% | 6,039 |
| Return on Equity (ROE) | 1.2176% | 6,067 |
| Retained earnings to average equity (ytd only) | 1.2176% | 5,333 |
| Net charge-offs to loans | 0.3958% | 2,502 |
| Credit loss provision to net charge-offs | 29.7619% | 4,121 |
| Earnings coverage of net charge-offs (x) | 0.9167% | 3,966 |
| Efficiency ratio | 94.2105% | 1,029 |
| Assets per employee ($millions) | 5.5202% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 5,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9040% | 2,378 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 67.8247% | 2,588 |
| Net loans and leases to deposits | 78.4850% | 2,982 |
| Net loans and leases to core deposits | 79.4738% | 3,826 |
| Total domestic deposits to total assets | 86.4174% | 3,279 |
| Equity capital to assets | 13.4818% | 1,189 |
| Core capital (leverage) ratio | 12.3663% | 1,382 |
| Tier 1 risk-based capital ratio | 17.7548% | 2,199 |
| Total risk-based capital ratio | 18.9813% | 2,172 |
| Memoranda: | ||
| Average total assets | $133,562,500 | 4,182 |
| Average earning assets | $123,382,000 | 4,152 |
| Average equity | $17,083,000 | 3,549 |
| Average total loans | $84,890,500 | 4,112 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 6,680 |
| Cost of funding earning assets | 1.2145% | 4,459 |
| Net interest margin | 3.1518% | 6,382 |
| Noninterest income to average assets | 0.3877% | 4,993 |
| Noninterest expense to average assets | 3.8149% | 1,458 |
| Loan and lease loss provision to assets | 1.3263% | 1,152 |
| Net operating income to assets | -1.7629% | 6,984 |
| Return on assets (ROA) | -1.6719% | 6,983 |
| Pretax return on assets | -1.6719% | 6,918 |
| Return on Equity (ROE) | -13.3445% | 6,863 |
| Retained earnings to average equity (ytd only) | -13.3445% | 6,815 |
| Net charge-offs to loans | 1.9926% | 1,016 |
| Credit loss provision to net charge-offs | 99.5480% | 4,646 |
| Earnings coverage of net charge-offs (x) | -0.3277% | 6,377 |
| Efficiency ratio | 112.9234% | 493 |
| Assets per employee ($millions) | 5.8400% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 4,312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.9683% | 1,714 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 58.0354% | 5,020 |
| Net loans and leases to deposits | 66.9225% | 5,266 |
| Net loans and leases to core deposits | 67.3899% | 5,728 |
| Total domestic deposits to total assets | 86.7203% | 2,966 |
| Equity capital to assets | 12.1639% | 1,821 |
| Core capital (leverage) ratio | 11.5636% | 1,801 |
| Tier 1 risk-based capital ratio | 18.6473% | 1,803 |
| Total risk-based capital ratio | 19.8985% | 1,775 |
| Memoranda: | ||
| Average total assets | $132,846,200 | 4,202 |
| Average earning assets | $126,056,400 | 4,102 |
| Average equity | $16,643,600 | 3,656 |
| Average total loans | $88,829,400 | 4,082 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5276% | 6,537 |
| Cost of funding earning assets | 1.2632% | 4,476 |
| Net interest margin | 3.2644% | 6,128 |
| Noninterest income to average assets | 0.3053% | 5,711 |
| Noninterest expense to average assets | 3.4213% | 2,231 |
| Loan and lease loss provision to assets | 0.4050% | 3,479 |
| Net operating income to assets | -0.3969% | 6,516 |
| Return on assets (ROA) | -0.2737% | 6,453 |
| Pretax return on assets | -0.2737% | 6,387 |
| Return on Equity (ROE) | -2.1681% | 6,417 |
| Retained earnings to average equity (ytd only) | -2.1681% | 6,227 |
| Net charge-offs to loans | 0.9483% | 2,096 |
| Credit loss provision to net charge-offs | 61.8974% | 5,640 |
| Earnings coverage of net charge-offs (x) | 0.0124% | 6,017 |
| Efficiency ratio | 99.7626% | 747 |
| Assets per employee ($millions) | 5.8270% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 6,089 |
| Loan loss allowance to noncurrent loans | 60.1007% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.8891% | 3,629 |
| Noncurrent loans to loans | 1.7740% | 3,984 |
| Net loans and leases to total assets | 60.8306% | 4,753 |
| Net loans and leases to deposits | 71.2998% | 4,943 |
| Net loans and leases to core deposits | 72.2727% | 5,480 |
| Total domestic deposits to total assets | 85.3166% | 3,455 |
| Equity capital to assets | 13.0366% | 1,556 |
| Core capital (leverage) ratio | 14.0539% | 911 |
| Tier 1 risk-based capital ratio | 19.8664% | 1,576 |
| Total risk-based capital ratio | 20.9054% | 1,584 |
| Memoranda: | ||
| Average total assets | $131,017,500 | 4,300 |
| Average earning assets | $125,390,750 | 4,173 |
| Average equity | $16,542,250 | 3,717 |
| Average total loans | $90,403,000 | 4,101 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7358% | 6,024 |
| Cost of funding earning assets | 1.3689% | 4,068 |
| Net interest margin | 3.3669% | 5,768 |
| Noninterest income to average assets | 0.1094% | 7,055 |
| Noninterest expense to average assets | 3.3743% | 2,332 |
| Loan and lease loss provision to assets | 0.3409% | 3,693 |
| Net operating income to assets | -0.3806% | 6,543 |
| Return on assets (ROA) | -0.3758% | 6,582 |
| Pretax return on assets | -0.3758% | 6,497 |
| Return on Equity (ROE) | -3.0141% | 6,519 |
| Retained earnings to average equity (ytd only) | -3.0141% | 6,304 |
| Net charge-offs to loans | 0.2382% | 4,173 |
| Credit loss provision to net charge-offs | 199.0741% | 1,984 |
| Earnings coverage of net charge-offs (x) | -0.2315% | 5,889 |
| Efficiency ratio | 101.1888% | 763 |
| Assets per employee ($millions) | 5.4207% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 4,499 |
| Loan loss allowance to noncurrent loans | 74.2614% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.4117% | 4,356 |
| Noncurrent loans to loans | 1.8645% | 3,913 |
| Net loans and leases to total assets | 74.6629% | 1,774 |
| Net loans and leases to deposits | 88.2591% | 2,133 |
| Net loans and leases to core deposits | 89.9860% | 3,265 |
| Total domestic deposits to total assets | 84.5951% | 3,822 |
| Equity capital to assets | 13.7614% | 1,253 |
| Core capital (leverage) ratio | 13.5316% | 1,045 |
| Tier 1 risk-based capital ratio | 17.7172% | 2,024 |
| Total risk-based capital ratio | 18.9697% | 1,997 |
| Memoranda: | ||
| Average total assets | $126,131,670 | 4,441 |
| Average earning assets | $120,825,000 | 4,293 |
| Average equity | $15,726,000 | 3,847 |
| Average total loans | $90,680,670 | 4,130 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7863% | 5,937 |
| Cost of funding earning assets | 1.4758% | 3,711 |
| Net interest margin | 3.3106% | 5,931 |
| Noninterest income to average assets | 0.0946% | 7,233 |
| Noninterest expense to average assets | 3.3486% | 2,379 |
| Loan and lease loss provision to assets | 0.2050% | 4,451 |
| Net operating income to assets | -0.2901% | 6,655 |
| Return on assets (ROA) | -0.2869% | 6,708 |
| Pretax return on assets | -0.2869% | 6,622 |
| Return on Equity (ROE) | -2.4250% | 6,684 |
| Retained earnings to average equity (ytd only) | -2.4250% | 6,278 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6087% | 768 |
| Assets per employee ($millions) | 4.9144% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 4,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 70.5557% | 2,790 |
| Net loans and leases to deposits | 81.2264% | 3,422 |
| Net loans and leases to core deposits | 83.0601% | 4,331 |
| Total domestic deposits to total assets | 86.8630% | 2,700 |
| Equity capital to assets | 13.0353% | 1,514 |
| Core capital (leverage) ratio | 11.7878% | 1,759 |
| Tier 1 risk-based capital ratio | 16.8474% | 2,323 |
| Total risk-based capital ratio | 18.0994% | 2,277 |
| Memoranda: | ||
| Average total assets | $126,860,000 | 4,484 |
| Average earning assets | $121,429,000 | 4,344 |
| Average equity | $15,010,500 | 4,011 |
| Average total loans | $88,824,500 | 4,231 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4539% | 4,420 |
| Cost of funding earning assets | 1.9399% | 3,251 |
| Net interest margin | 3.5140% | 4,892 |
| Noninterest income to average assets | 0.2810% | 6,097 |
| Noninterest expense to average assets | 3.8740% | 1,550 |
| Loan and lease loss provision to assets | 0.4431% | 4,169 |
| Net operating income to assets | -0.6735% | 6,330 |
| Return on assets (ROA) | -0.5730% | 6,243 |
| Pretax return on assets | -0.5730% | 6,071 |
| Return on Equity (ROE) | -4.9646% | 6,208 |
| Retained earnings to average equity (ytd only) | -4.9646% | 6,017 |
| Net charge-offs to loans | 0.0994% | 6,143 |
| Credit loss provision to net charge-offs | 593.8272% | 505 |
| Earnings coverage of net charge-offs (x) | -3.0864% | 7,055 |
| Efficiency ratio | 106.3211% | 899 |
| Assets per employee ($millions) | 5.2344% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 4,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 67.6290% | 3,790 |
| Net loans and leases to deposits | 75.7978% | 4,776 |
| Net loans and leases to core deposits | 101.8904% | 3,809 |
| Total domestic deposits to total assets | 89.2229% | 1,372 |
| Equity capital to assets | 10.7030% | 2,964 |
| Core capital (leverage) ratio | 10.0549% | 3,033 |
| Tier 1 risk-based capital ratio | 14.2860% | 3,331 |
| Total risk-based capital ratio | 15.5364% | 3,274 |
| Memoranda: | ||
| Average total assets | $108,543,800 | 4,860 |
| Average earning assets | $103,870,600 | 4,729 |
| Average equity | $12,528,600 | 4,621 |
| Average total loans | $81,505,000 | 4,458 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6209% | 3,737 |
| Cost of funding earning assets | 1.9350% | 3,684 |
| Net interest margin | 3.6859% | 4,134 |
| Noninterest income to average assets | 0.2512% | 6,436 |
| Noninterest expense to average assets | 4.0544% | 1,207 |
| Loan and lease loss provision to assets | 0.5568% | 3,160 |
| Net operating income to assets | -0.8352% | 6,716 |
| Return on assets (ROA) | -0.7226% | 6,640 |
| Pretax return on assets | -0.7226% | 6,499 |
| Return on Equity (ROE) | -6.1186% | 6,569 |
| Retained earnings to average equity (ytd only) | -6.1186% | 6,402 |
| Net charge-offs to loans | 0.0134% | 6,730 |
| Credit loss provision to net charge-offs | 5,375.0000% | 73 |
| Earnings coverage of net charge-offs (x) | -26.8660% | 6,944 |
| Efficiency ratio | 107.3731% | 823 |
| Assets per employee ($millions) | 5.3884% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 4,137 |
| Loan loss allowance to noncurrent loans | 1,259.7938% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 7,368 |
| Noncurrent loans to loans | 0.1083% | 7,206 |
| Net loans and leases to total assets | 68.2900% | 3,891 |
| Net loans and leases to deposits | 75.4672% | 5,130 |
| Net loans and leases to core deposits | 110.6401% | 3,170 |
| Total domestic deposits to total assets | 90.4896% | 593 |
| Equity capital to assets | 9.2877% | 5,056 |
| Core capital (leverage) ratio | 10.1222% | 3,145 |
| Tier 1 risk-based capital ratio | 11.0440% | 5,903 |
| Total risk-based capital ratio | 12.2409% | 5,930 |
| Memoranda: | ||
| Average total assets | $102,964,500 | 5,047 |
| Average earning assets | $98,463,500 | 4,909 |
| Average equity | $12,159,250 | 4,754 |
| Average total loans | $79,456,250 | 4,561 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9472% | 2,398 |
| Cost of funding earning assets | 2.0380% | 3,583 |
| Net interest margin | 3.9092% | 3,068 |
| Noninterest income to average assets | 0.1274% | 7,335 |
| Noninterest expense to average assets | 4.4023% | 854 |
| Loan and lease loss provision to assets | 0.6456% | 2,495 |
| Net operating income to assets | -1.1892% | 7,104 |
| Return on assets (ROA) | -1.0045% | 6,990 |
| Pretax return on assets | -1.0045% | 6,820 |
| Return on Equity (ROE) | -7.7486% | 6,874 |
| Retained earnings to average equity (ytd only) | -7.7486% | 6,641 |
| Net charge-offs to loans | 0.0184% | 6,264 |
| Credit loss provision to net charge-offs | 4,342.8571% | 118 |
| Earnings coverage of net charge-offs (x) | -36.5714% | 6,587 |
| Efficiency ratio | 114.0892% | 762 |
| Assets per employee ($millions) | 4.6433% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 4,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 84.1845% | 610 |
| Net loans and leases to deposits | 95.6287% | 1,856 |
| Net loans and leases to core deposits | 171.9562% | 300 |
| Total domestic deposits to total assets | 88.0327% | 1,753 |
| Equity capital to assets | 11.7569% | 2,350 |
| Core capital (leverage) ratio | 11.7041% | 1,975 |
| Tier 1 risk-based capital ratio | 11.8479% | 5,050 |
| Total risk-based capital ratio | 12.9987% | 5,072 |
| Memoranda: | ||
| Average total assets | $94,178,670 | 5,335 |
| Average earning assets | $89,891,000 | 5,205 |
| Average equity | $12,208,670 | 4,759 |
| Average total loans | $76,096,330 | 4,730 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1812% | 1,654 |
| Cost of funding earning assets | 2.1813% | 3,260 |
| Net interest margin | 3.9999% | 2,645 |
| Noninterest income to average assets | 0.1375% | 7,320 |
| Noninterest expense to average assets | 4.6878% | 598 |
| Loan and lease loss provision to assets | 0.9846% | 1,316 |
| Net operating income to assets | -1.7208% | 7,578 |
| Return on assets (ROA) | -1.3349% | 7,448 |
| Pretax return on assets | -1.3349% | 7,315 |
| Return on Equity (ROE) | -9.7823% | 7,349 |
| Retained earnings to average equity (ytd only) | -9.7823% | 7,088 |
| Net charge-offs to loans | 0.0113% | 5,460 |
| Credit loss provision to net charge-offs | 11,100.0000% | 50 |
| Earnings coverage of net charge-offs (x) | -83.0000% | 5,707 |
| Efficiency ratio | 118.6308% | 654 |
| Assets per employee ($millions) | 4.4819% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 4,230 |
| 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% | 7,590 |
| Net loans and leases to total assets | 83.8534% | 709 |
| Net loans and leases to deposits | 96.5135% | 1,869 |
| Net loans and leases to core deposits | 158.0590% | 523 |
| Total domestic deposits to total assets | 86.8826% | 2,275 |
| Equity capital to assets | 12.9049% | 1,789 |
| Core capital (leverage) ratio | 12.8955% | 1,521 |
| Tier 1 risk-based capital ratio | 13.1368% | 4,094 |
| Total risk-based capital ratio | 14.3077% | 4,066 |
| Memoranda: | ||
| Average total assets | $90,191,500 | 5,476 |
| Average earning assets | $86,003,000 | 5,357 |
| Average equity | $12,308,000 | 4,749 |
| Average total loans | $70,597,500 | 4,964 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0871% | 5,109 |
| Cost of funding earning assets | 1.9251% | 6,660 |
| Net interest margin | 4.1620% | 2,456 |
| Noninterest income to average assets | 0.0390% | 7,941 |
| Noninterest expense to average assets | 6.4432% | 341 |
| Loan and lease loss provision to assets | 1.5241% | 879 |
| Net operating income to assets | -3.1982% | 7,866 |
| Return on assets (ROA) | -3.1982% | 7,842 |
| Pretax return on assets | -4.0519% | 7,898 |
| Return on Equity (ROE) | -12.5801% | 7,469 |
| Retained earnings to average equity (ytd only) | -12.5801% | 7,294 |
| Net charge-offs to loans | 0.0093% | 6,797 |
| Credit loss provision to net charge-offs | 26,066.6667% | 21 |
| Earnings coverage of net charge-offs (x) | -432.3333% | 7,029 |
| Efficiency ratio | 164.5595% | 299 |
| Assets per employee ($millions) | 4.5402% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 3,738 |
| 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 | 70.0791% | 4,000 |
| Net loans and leases to deposits | 82.3139% | 4,679 |
| Net loans and leases to core deposits | 151.8462% | 790 |
| Total domestic deposits to total assets | 85.1363% | 2,782 |
| Equity capital to assets | 14.4556% | 1,308 |
| Core capital (leverage) ratio | 15.8197% | 860 |
| Tier 1 risk-based capital ratio | 16.8620% | 2,353 |
| Total risk-based capital ratio | 18.0111% | 2,332 |
| Memoranda: | ||
| Average total assets | $51,309,800 | 6,718 |
| Average earning assets | $47,789,200 | 6,675 |
| Average equity | $13,044,400 | 4,560 |
| Average total loans | $32,093,000 | 6,603 |