Home > Golden Security Bank > Performance and Condition Ratios
Golden Security 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 | 6.2601% | 293 |
| Cost of funding earning assets | 2.4686% | 34 |
| Net interest margin | 3.7915% | 3,822 |
| Noninterest income to average assets | 0.0889% | 6,883 |
| Noninterest expense to average assets | 2.7654% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8229% | 2,967 |
| Return on assets (ROA) | 0.8229% | 3,086 |
| Pretax return on assets | 0.8530% | 3,822 |
| Return on Equity (ROE) | 12.5391% | 1,327 |
| Retained earnings to average equity (ytd only) | 12.5391% | 449 |
| Net charge-offs to loans | 0.9840% | 1,597 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.0663% | 4,490 |
| Efficiency ratio | 76.4263% | 2,948 |
| Assets per employee ($millions) | 7.3288% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0813% | 396 |
| Loan loss allowance to noncurrent loans | 49.1080% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 10.2837% | 370 |
| Noncurrent loans to loans | 8.3108% | 527 |
| Net loans and leases to total assets | 78.9597% | 653 |
| Net loans and leases to deposits | 98.4164% | 574 |
| Net loans and leases to core deposits | 98.6551% | 1,452 |
| Total domestic deposits to total assets | 80.2301% | 5,756 |
| Equity capital to assets | 7.0900% | 7,080 |
| Core capital (leverage) ratio | 6.8491% | 7,047 |
| Tier 1 risk-based capital ratio | 8.7379% | 7,198 |
| Total risk-based capital ratio | 10.0234% | 7,198 |
| Memoranda: | ||
| Average total assets | $139,509,670 | 4,035 |
| Average earning assets | $129,869,670 | 3,987 |
| Average equity | $9,155,330 | 5,281 |
| Average total loans | $113,409,000 | 3,372 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2922% | 288 |
| Cost of funding earning assets | 2.4636% | 40 |
| Net interest margin | 3.8286% | 3,474 |
| Noninterest income to average assets | 0.6113% | 3,084 |
| Noninterest expense to average assets | 2.5763% | 5,312 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5491% | 777 |
| Return on assets (ROA) | 1.5491% | 815 |
| Pretax return on assets | 1.6050% | 1,180 |
| Return on Equity (ROE) | 24.5128% | 180 |
| Retained earnings to average equity (ytd only) | 24.5128% | 107 |
| Net charge-offs to loans | 1.3435% | 1,033 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.4781% | 3,601 |
| Efficiency ratio | 61.6155% | 5,738 |
| Assets per employee ($millions) | 7.3552% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1004% | 394 |
| Loan loss allowance to noncurrent loans | 62.1169% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 8.4108% | 539 |
| Noncurrent loans to loans | 6.6011% | 887 |
| Net loans and leases to total assets | 77.0002% | 874 |
| Net loans and leases to deposits | 94.6445% | 771 |
| Net loans and leases to core deposits | 94.8581% | 1,784 |
| Total domestic deposits to total assets | 81.3573% | 5,548 |
| Equity capital to assets | 6.6791% | 7,171 |
| Core capital (leverage) ratio | 6.5323% | 7,162 |
| Tier 1 risk-based capital ratio | 8.5661% | 7,259 |
| Total risk-based capital ratio | 9.8528% | 7,259 |
| Memoranda: | ||
| Average total assets | $143,305,500 | 4,008 |
| Average earning assets | $133,626,000 | 3,942 |
| Average equity | $9,056,500 | 5,308 |
| Average total loans | $115,816,500 | 3,343 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5261% | 306 |
| Cost of funding earning assets | 2.8075% | 43 |
| Net interest margin | 3.7186% | 4,276 |
| Noninterest income to average assets | 0.0868% | 6,962 |
| Noninterest expense to average assets | 3.7437% | 1,599 |
| Loan and lease loss provision to assets | 1.7283% | 817 |
| Net operating income to assets | -1.9786% | 7,049 |
| Return on assets (ROA) | -1.9786% | 7,061 |
| Pretax return on assets | -1.9792% | 7,025 |
| Return on Equity (ROE) | -30.9323% | 7,244 |
| Retained earnings to average equity (ytd only) | -30.9323% | 7,232 |
| Net charge-offs to loans | 1.6739% | 1,298 |
| Credit loss provision to net charge-offs | 130.9839% | 3,027 |
| Earnings coverage of net charge-offs (x) | -0.1902% | 6,285 |
| Efficiency ratio | 107.1837% | 598 |
| Assets per employee ($millions) | 7.3431% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1784% | 342 |
| Loan loss allowance to noncurrent loans | 58.8999% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 9.0575% | 494 |
| Noncurrent loans to loans | 7.0940% | 789 |
| Net loans and leases to total assets | 77.9201% | 956 |
| Net loans and leases to deposits | 94.2985% | 1,034 |
| Net loans and leases to core deposits | 94.4978% | 2,203 |
| Total domestic deposits to total assets | 82.6313% | 4,957 |
| Equity capital to assets | 5.9777% | 7,344 |
| Core capital (leverage) ratio | 5.8099% | 7,329 |
| Tier 1 risk-based capital ratio | 7.6702% | 7,375 |
| Total risk-based capital ratio | 8.9589% | 7,375 |
| Memoranda: | ||
| Average total assets | $160,214,600 | 3,693 |
| Average earning assets | $146,749,200 | 3,692 |
| Average equity | $10,248,200 | 5,060 |
| Average total loans | $126,294,000 | 3,196 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4840% | 354 |
| Cost of funding earning assets | 2.8707% | 44 |
| Net interest margin | 3.6133% | 4,813 |
| Noninterest income to average assets | 0.0880% | 7,095 |
| Noninterest expense to average assets | 3.6856% | 1,598 |
| Loan and lease loss provision to assets | 1.5489% | 851 |
| Net operating income to assets | -1.8497% | 7,199 |
| Return on assets (ROA) | -1.8497% | 7,209 |
| Pretax return on assets | -1.8505% | 7,151 |
| Return on Equity (ROE) | -28.4985% | 7,365 |
| Retained earnings to average equity (ytd only) | -28.4985% | 7,357 |
| Net charge-offs to loans | 1.6790% | 1,173 |
| Credit loss provision to net charge-offs | 117.8660% | 3,519 |
| Earnings coverage of net charge-offs (x) | -0.2295% | 6,195 |
| Efficiency ratio | 108.9135% | 548 |
| Assets per employee ($millions) | 7.7373% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8126% | 429 |
| Loan loss allowance to noncurrent loans | 50.3211% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 10.1618% | 396 |
| Noncurrent loans to loans | 7.5765% | 711 |
| Net loans and leases to total assets | 75.3706% | 1,516 |
| Net loans and leases to deposits | 90.9348% | 1,590 |
| Net loans and leases to core deposits | 91.1708% | 2,925 |
| Total domestic deposits to total assets | 82.8842% | 4,638 |
| Equity capital to assets | 6.2554% | 7,454 |
| Core capital (leverage) ratio | 6.1062% | 7,417 |
| Tier 1 risk-based capital ratio | 8.1989% | 7,462 |
| Total risk-based capital ratio | 9.4821% | 7,465 |
| Memoranda: | ||
| Average total assets | $163,552,750 | 3,683 |
| Average earning assets | $149,184,250 | 3,698 |
| Average equity | $10,615,500 | 5,019 |
| Average total loans | $128,011,250 | 3,203 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5221% | 329 |
| Cost of funding earning assets | 2.9550% | 43 |
| Net interest margin | 3.5671% | 4,960 |
| Noninterest income to average assets | 0.0949% | 7,118 |
| Noninterest expense to average assets | 4.0483% | 986 |
| Loan and lease loss provision to assets | 1.9221% | 641 |
| Net operating income to assets | -2.6332% | 7,443 |
| Return on assets (ROA) | -2.6332% | 7,453 |
| Pretax return on assets | -2.6344% | 7,399 |
| Return on Equity (ROE) | -40.1196% | 7,534 |
| Retained earnings to average equity (ytd only) | -40.1196% | 7,527 |
| Net charge-offs to loans | 2.3552% | 738 |
| Credit loss provision to net charge-offs | 104.3025% | 3,910 |
| Earnings coverage of net charge-offs (x) | -0.3866% | 5,975 |
| Efficiency ratio | 121.3540% | 396 |
| Assets per employee ($millions) | 8.1967% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5078% | 538 |
| Loan loss allowance to noncurrent loans | 65.8241% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 10.2975% | 379 |
| Noncurrent loans to loans | 5.3290% | 1,261 |
| Net loans and leases to total assets | 73.8491% | 1,941 |
| Net loans and leases to deposits | 88.1786% | 2,145 |
| Net loans and leases to core deposits | 88.3923% | 3,499 |
| Total domestic deposits to total assets | 83.7495% | 4,227 |
| Equity capital to assets | 5.9512% | 7,548 |
| Core capital (leverage) ratio | 5.7051% | 7,527 |
| Tier 1 risk-based capital ratio | 7.7235% | 7,545 |
| Total risk-based capital ratio | 9.0012% | 7,552 |
| Memoranda: | ||
| Average total assets | $166,488,330 | 3,664 |
| Average earning assets | $151,270,000 | 3,692 |
| Average equity | $10,927,330 | 4,937 |
| Average total loans | $130,263,000 | 3,196 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6791% | 274 |
| Cost of funding earning assets | 2.9848% | 48 |
| Net interest margin | 3.6943% | 4,272 |
| Noninterest income to average assets | 0.0763% | 7,323 |
| Noninterest expense to average assets | 4.5325% | 562 |
| Loan and lease loss provision to assets | 0.7153% | 1,782 |
| Net operating income to assets | -1.8073% | 7,413 |
| Return on assets (ROA) | -1.8073% | 7,413 |
| Pretax return on assets | -1.8073% | 7,350 |
| Return on Equity (ROE) | -26.3354% | 7,520 |
| Retained earnings to average equity (ytd only) | -26.3354% | 7,482 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.7394% | 322 |
| Assets per employee ($millions) | 8.5458% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5306% | 533 |
| Loan loss allowance to noncurrent loans | 41.8397% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 11.7749% | 277 |
| Noncurrent loans to loans | 8.4385% | 621 |
| Net loans and leases to total assets | 74.0977% | 1,952 |
| Net loans and leases to deposits | 91.1619% | 1,735 |
| Net loans and leases to core deposits | 91.3803% | 3,184 |
| Total domestic deposits to total assets | 81.2813% | 5,354 |
| Equity capital to assets | 6.5471% | 7,517 |
| Core capital (leverage) ratio | 6.5884% | 7,433 |
| Tier 1 risk-based capital ratio | 8.5640% | 7,554 |
| Total risk-based capital ratio | 9.8421% | 7,569 |
| Memoranda: | ||
| Average total assets | $167,766,000 | 3,700 |
| Average earning assets | $152,775,500 | 3,708 |
| Average equity | $11,513,000 | 4,848 |
| Average total loans | $132,662,500 | 3,209 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2196% | 202 |
| Cost of funding earning assets | 3.9902% | 10 |
| Net interest margin | 3.2294% | 5,996 |
| Noninterest income to average assets | -0.1427% | 7,829 |
| Noninterest expense to average assets | 2.3889% | 6,499 |
| Loan and lease loss provision to assets | 1.9442% | 1,130 |
| Net operating income to assets | -1.6386% | 6,929 |
| Return on assets (ROA) | -1.6386% | 6,933 |
| Pretax return on assets | -1.6381% | 6,779 |
| Return on Equity (ROE) | -21.6624% | 7,195 |
| Retained earnings to average equity (ytd only) | -21.6624% | 7,164 |
| Net charge-offs to loans | 1.2776% | 1,942 |
| Credit loss provision to net charge-offs | 181.5690% | 2,276 |
| Earnings coverage of net charge-offs (x) | 0.2859% | 5,826 |
| Efficiency ratio | 88.6422% | 1,825 |
| Assets per employee ($millions) | 7.4826% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2340% | 643 |
| Loan loss allowance to noncurrent loans | 41.6667% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 12.0006% | 252 |
| Noncurrent loans to loans | 7.7615% | 663 |
| Net loans and leases to total assets | 78.7956% | 1,227 |
| Net loans and leases to deposits | 100.9039% | 835 |
| Net loans and leases to core deposits | 110.9551% | 2,798 |
| Total domestic deposits to total assets | 78.0897% | 6,196 |
| Equity capital to assets | 7.1900% | 7,266 |
| Core capital (leverage) ratio | 6.9567% | 7,275 |
| Tier 1 risk-based capital ratio | 8.8423% | 7,524 |
| Total risk-based capital ratio | 10.1168% | 7,540 |
| Memoranda: | ||
| Average total assets | $173,803,000 | 3,539 |
| Average earning assets | $152,723,000 | 3,661 |
| Average equity | $13,147,200 | 4,477 |
| Average total loans | $145,666,400 | 2,986 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4421% | 157 |
| Cost of funding earning assets | 4.1636% | 9 |
| Net interest margin | 3.2786% | 5,718 |
| Noninterest income to average assets | -0.0878% | 7,924 |
| Noninterest expense to average assets | 2.2797% | 6,756 |
| Loan and lease loss provision to assets | 0.6428% | 2,828 |
| Net operating income to assets | -0.1704% | 6,012 |
| Return on assets (ROA) | -0.1704% | 6,025 |
| Pretax return on assets | -0.1522% | 5,914 |
| Return on Equity (ROE) | -2.2263% | 6,123 |
| Retained earnings to average equity (ytd only) | -2.2263% | 5,762 |
| Net charge-offs to loans | 1.1630% | 1,742 |
| Credit loss provision to net charge-offs | 65.5093% | 6,070 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 5,528 |
| Efficiency ratio | 82.2902% | 2,545 |
| Assets per employee ($millions) | 7.3327% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6693% | 2,732 |
| Loan loss allowance to noncurrent loans | 18.8830% | 7,148 |
| Noncurrent assets plus other real estate owned to assets | 9.8332% | 354 |
| Noncurrent loans to loans | 8.8403% | 514 |
| Net loans and leases to total assets | 82.7765% | 700 |
| Net loans and leases to deposits | 107.2177% | 592 |
| Net loans and leases to core deposits | 116.4889% | 2,571 |
| Total domestic deposits to total assets | 77.2041% | 6,291 |
| Equity capital to assets | 8.4434% | 6,321 |
| Core capital (leverage) ratio | 8.3080% | 5,819 |
| Tier 1 risk-based capital ratio | 10.3056% | 6,674 |
| Total risk-based capital ratio | 11.5613% | 6,614 |
| Memoranda: | ||
| Average total assets | $176,099,500 | 3,520 |
| Average earning assets | $153,518,750 | 3,659 |
| Average equity | $13,475,000 | 4,421 |
| Average total loans | $148,571,500 | 2,972 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4443% | 169 |
| Cost of funding earning assets | 4.2608% | 13 |
| Net interest margin | 3.1835% | 5,972 |
| Noninterest income to average assets | -0.0022% | 7,972 |
| Noninterest expense to average assets | 2.1648% | 7,136 |
| Loan and lease loss provision to assets | 0.8388% | 1,996 |
| Net operating income to assets | -0.2094% | 6,206 |
| Return on assets (ROA) | -0.2094% | 6,224 |
| Pretax return on assets | -0.2094% | 6,134 |
| Return on Equity (ROE) | -2.8290% | 6,341 |
| Retained earnings to average equity (ytd only) | -2.8290% | 5,939 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4749% | 3,422 |
| Assets per employee ($millions) | 7.2289% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4575% | 938 |
| Loan loss allowance to noncurrent loans | 26.6597% | 6,723 |
| Noncurrent assets plus other real estate owned to assets | 9.6591% | 320 |
| Noncurrent loans to loans | 9.2179% | 418 |
| Net loans and leases to total assets | 81.5838% | 1,031 |
| Net loans and leases to deposits | 106.1169% | 758 |
| Net loans and leases to core deposits | 114.0234% | 2,905 |
| Total domestic deposits to total assets | 76.8810% | 6,355 |
| Equity capital to assets | 7.4654% | 7,299 |
| Core capital (leverage) ratio | 7.2486% | 7,307 |
| Tier 1 risk-based capital ratio | 9.0876% | 7,644 |
| Total risk-based capital ratio | 10.3533% | 7,646 |
| Memoranda: | ||
| Average total assets | $178,581,670 | 3,507 |
| Average earning assets | $156,871,670 | 3,617 |
| Average equity | $13,220,000 | 4,487 |
| Average total loans | $150,770,330 | 2,970 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5419% | 160 |
| Cost of funding earning assets | 4.2177% | 14 |
| Net interest margin | 3.3242% | 5,425 |
| Noninterest income to average assets | 0.0905% | 7,601 |
| Noninterest expense to average assets | 2.0759% | 7,179 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9496% | 2,516 |
| Return on assets (ROA) | 0.9496% | 2,644 |
| Pretax return on assets | 0.9805% | 3,418 |
| Return on Equity (ROE) | 12.8800% | 1,422 |
| Retained earnings to average equity (ytd only) | 12.8800% | 657 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9191% | 4,978 |
| Assets per employee ($millions) | 7.6971% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8479% | 1,745 |
| Loan loss allowance to noncurrent loans | 27.6187% | 6,715 |
| Noncurrent assets plus other real estate owned to assets | 6.3433% | 599 |
| Noncurrent loans to loans | 6.6907% | 629 |
| Net loans and leases to total assets | 80.9690% | 1,207 |
| Net loans and leases to deposits | 103.8341% | 1,019 |
| Net loans and leases to core deposits | 108.5860% | 3,604 |
| Total domestic deposits to total assets | 77.9792% | 6,023 |
| Equity capital to assets | 7.3453% | 7,460 |
| Core capital (leverage) ratio | 7.4357% | 7,230 |
| Tier 1 risk-based capital ratio | 9.0508% | 7,760 |
| Total risk-based capital ratio | 10.3088% | 7,777 |
| Memoranda: | ||
| Average total assets | $181,125,500 | 3,490 |
| Average earning assets | $161,604,000 | 3,547 |
| Average equity | $13,354,000 | 4,490 |
| Average total loans | $153,601,000 | 2,950 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1605% | 156 |
| Cost of funding earning assets | 4.4080% | 20 |
| Net interest margin | 3.7526% | 4,218 |
| Noninterest income to average assets | -0.3030% | 8,242 |
| Noninterest expense to average assets | 1.9596% | 7,520 |
| Loan and lease loss provision to assets | 0.9470% | 1,561 |
| Net operating income to assets | 0.3367% | 5,413 |
| Return on assets (ROA) | 0.3367% | 5,234 |
| Pretax return on assets | 0.3478% | 5,401 |
| Return on Equity (ROE) | 3.9417% | 4,847 |
| Retained earnings to average equity (ytd only) | -7.9480% | 6,882 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2149% | 6,296 |
| Assets per employee ($millions) | 6.8277% | 763 |
| Cash dividends to net income (ytd only)* | 301.6393% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8190% | 1,586 |
| Loan loss allowance to noncurrent loans | 35.8042% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 5.3087% | 620 |
| Noncurrent loans to loans | 5.0804% | 856 |
| Net loans and leases to total assets | 85.6214% | 651 |
| Net loans and leases to deposits | 105.3165% | 1,185 |
| Net loans and leases to core deposits | 108.4129% | 3,920 |
| Total domestic deposits to total assets | 81.2991% | 4,513 |
| Equity capital to assets | 7.4014% | 7,463 |
| Core capital (leverage) ratio | 7.4964% | 7,208 |
| Tier 1 risk-based capital ratio | 8.5988% | 7,969 |
| Total risk-based capital ratio | 9.8560% | 8,030 |
| Memoranda: | ||
| Average total assets | $163,046,200 | 3,665 |
| Average earning assets | $154,560,800 | 3,577 |
| Average equity | $13,928,000 | 4,354 |
| Average total loans | $140,641,400 | 3,086 |