Home > Guaranty Savings Bank > Performance and Condition Ratios
Guaranty Savings 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 | 5.3205% | 1,817 |
| Cost of funding earning assets | 1.5174% | 949 |
| Net interest margin | 3.8030% | 3,768 |
| Noninterest income to average assets | 0.0424% | 7,074 |
| Noninterest expense to average assets | 2.6619% | 4,959 |
| Loan and lease loss provision to assets | 0.1772% | 4,150 |
| Net operating income to assets | 0.5208% | 4,413 |
| Return on assets (ROA) | 0.5208% | 4,553 |
| Pretax return on assets | 0.7620% | 4,173 |
| Return on Equity (ROE) | 4.9630% | 4,469 |
| Retained earnings to average equity (ytd only) | 1.2922% | 5,329 |
| Net charge-offs to loans | 0.2547% | 3,611 |
| Credit loss provision to net charge-offs | 95.0413% | 3,307 |
| Earnings coverage of net charge-offs (x) | 5.0372% | 2,707 |
| Efficiency ratio | 73.9196% | 3,373 |
| Assets per employee ($millions) | 4.8176% | 2,383 |
| Cash dividends to net income (ytd only)* | 73.9645% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 6,438 |
| Loan loss allowance to noncurrent loans | 19.4344% | 6,736 |
| Noncurrent assets plus other real estate owned to assets | 4.6966% | 1,330 |
| Noncurrent loans to loans | 5.0076% | 1,304 |
| Net loans and leases to total assets | 72.8488% | 1,627 |
| Net loans and leases to deposits | 96.5743% | 681 |
| Net loans and leases to core deposits | 103.4389% | 1,080 |
| Total domestic deposits to total assets | 75.4329% | 6,683 |
| Equity capital to assets | 10.8752% | 3,097 |
| Core capital (leverage) ratio | 10.6928% | 2,526 |
| Tier 1 risk-based capital ratio | 16.5101% | 2,739 |
| Total risk-based capital ratio | 17.6192% | 2,763 |
| Memoranda: | ||
| Average total assets | $259,588,330 | 2,461 |
| Average earning assets | $242,910,670 | 2,394 |
| Average equity | $27,241,330 | 2,367 |
| Average total loans | $189,995,330 | 2,176 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2953% | 1,880 |
| Cost of funding earning assets | 1.5262% | 1,065 |
| Net interest margin | 3.7691% | 3,762 |
| Noninterest income to average assets | 0.0199% | 7,246 |
| Noninterest expense to average assets | 2.6395% | 5,085 |
| Loan and lease loss provision to assets | 0.3515% | 2,449 |
| Net operating income to assets | 0.4065% | 4,917 |
| Return on assets (ROA) | 0.4065% | 5,005 |
| Pretax return on assets | 0.5579% | 4,840 |
| Return on Equity (ROE) | 3.9440% | 4,937 |
| Retained earnings to average equity (ytd only) | -3.4695% | 6,359 |
| Net charge-offs to loans | 0.5066% | 2,212 |
| Credit loss provision to net charge-offs | 95.0413% | 2,847 |
| Earnings coverage of net charge-offs (x) | 2.4587% | 3,099 |
| Efficiency ratio | 74.3755% | 3,452 |
| Assets per employee ($millions) | 4.7522% | 2,493 |
| Cash dividends to net income (ytd only)* | 187.9699% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 6,526 |
| Loan loss allowance to noncurrent loans | 29.3258% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 3.1908% | 2,161 |
| Noncurrent loans to loans | 3.2602% | 2,305 |
| Net loans and leases to total assets | 72.4115% | 1,630 |
| Net loans and leases to deposits | 95.4606% | 726 |
| Net loans and leases to core deposits | 102.2778% | 1,179 |
| Total domestic deposits to total assets | 75.8548% | 6,691 |
| Equity capital to assets | 10.3132% | 3,398 |
| Core capital (leverage) ratio | 10.2613% | 2,851 |
| Tier 1 risk-based capital ratio | 16.2160% | 2,802 |
| Total risk-based capital ratio | 17.3217% | 2,848 |
| Memoranda: | ||
| Average total assets | $261,716,000 | 2,459 |
| Average earning assets | $245,047,500 | 2,398 |
| Average equity | $26,978,000 | 2,378 |
| Average total loans | $191,075,500 | 2,188 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4794% | 2,362 |
| Cost of funding earning assets | 1.7815% | 1,248 |
| Net interest margin | 3.6980% | 4,349 |
| Noninterest income to average assets | 0.2755% | 5,814 |
| Noninterest expense to average assets | 2.8543% | 4,394 |
| Loan and lease loss provision to assets | 1.0412% | 1,549 |
| Net operating income to assets | -0.1637% | 6,064 |
| Return on assets (ROA) | 0.1822% | 5,500 |
| Pretax return on assets | 0.1986% | 5,492 |
| Return on Equity (ROE) | 1.8085% | 5,468 |
| Retained earnings to average equity (ytd only) | 1.8085% | 4,602 |
| Net charge-offs to loans | 1.3611% | 1,641 |
| Credit loss provision to net charge-offs | 108.8224% | 4,058 |
| Earnings coverage of net charge-offs (x) | 0.9028% | 5,211 |
| Efficiency ratio | 76.7677% | 2,912 |
| Assets per employee ($millions) | 4.9445% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 6,520 |
| Loan loss allowance to noncurrent loans | 29.8411% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 2.8715% | 2,437 |
| Noncurrent loans to loans | 3.2273% | 2,349 |
| Net loans and leases to total assets | 72.2051% | 2,055 |
| Net loans and leases to deposits | 94.9056% | 967 |
| Net loans and leases to core deposits | 102.2115% | 1,436 |
| Total domestic deposits to total assets | 76.0810% | 6,627 |
| Equity capital to assets | 10.3030% | 3,385 |
| Core capital (leverage) ratio | 10.3088% | 2,761 |
| Tier 1 risk-based capital ratio | 16.3435% | 2,599 |
| Total risk-based capital ratio | 17.4566% | 2,613 |
| Memoranda: | ||
| Average total assets | $268,925,600 | 2,370 |
| Average earning assets | $250,354,200 | 2,341 |
| Average equity | $27,093,800 | 2,371 |
| Average total loans | $189,041,400 | 2,256 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5058% | 2,411 |
| Cost of funding earning assets | 1.8317% | 1,294 |
| Net interest margin | 3.6740% | 4,527 |
| Noninterest income to average assets | 0.2044% | 6,436 |
| Noninterest expense to average assets | 2.8440% | 4,300 |
| Loan and lease loss provision to assets | 1.1331% | 1,279 |
| Net operating income to assets | -0.2015% | 6,326 |
| Return on assets (ROA) | -0.1000% | 6,273 |
| Pretax return on assets | -0.2000% | 6,320 |
| Return on Equity (ROE) | -0.9981% | 6,279 |
| Retained earnings to average equity (ytd only) | -0.9981% | 6,016 |
| Net charge-offs to loans | 1.5226% | 1,320 |
| Credit loss provision to net charge-offs | 106.8277% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.7301% | 5,327 |
| Efficiency ratio | 78.5977% | 2,544 |
| Assets per employee ($millions) | 5.1869% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 6,631 |
| Loan loss allowance to noncurrent loans | 15.7551% | 7,057 |
| Noncurrent assets plus other real estate owned to assets | 4.7552% | 1,383 |
| Noncurrent loans to loans | 5.9352% | 1,059 |
| Net loans and leases to total assets | 70.4859% | 2,613 |
| Net loans and leases to deposits | 92.5327% | 1,380 |
| Net loans and leases to core deposits | 99.8249% | 1,866 |
| Total domestic deposits to total assets | 76.1741% | 6,622 |
| Equity capital to assets | 10.3391% | 3,718 |
| Core capital (leverage) ratio | 10.0103% | 3,245 |
| Tier 1 risk-based capital ratio | 16.1981% | 2,671 |
| Total risk-based capital ratio | 17.2983% | 2,691 |
| Memoranda: | ||
| Average total assets | $270,642,250 | 2,384 |
| Average earning assets | $251,487,750 | 2,360 |
| Average equity | $27,117,250 | 2,401 |
| Average total loans | $188,536,750 | 2,297 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5251% | 2,425 |
| Cost of funding earning assets | 1.9157% | 1,182 |
| Net interest margin | 3.6094% | 4,774 |
| Noninterest income to average assets | 0.1614% | 6,739 |
| Noninterest expense to average assets | 2.7703% | 4,620 |
| Loan and lease loss provision to assets | 0.8435% | 1,722 |
| Net operating income to assets | -0.1040% | 6,235 |
| Return on assets (ROA) | 0.1122% | 5,938 |
| Pretax return on assets | 0.1203% | 5,939 |
| Return on Equity (ROE) | 1.1317% | 5,907 |
| Retained earnings to average equity (ytd only) | 1.1317% | 5,306 |
| Net charge-offs to loans | 1.0846% | 1,737 |
| Credit loss provision to net charge-offs | 112.4145% | 3,616 |
| Earnings coverage of net charge-offs (x) | 0.9746% | 4,805 |
| Efficiency ratio | 79.1160% | 2,558 |
| Assets per employee ($millions) | 4.9381% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 6,685 |
| Loan loss allowance to noncurrent loans | 17.9363% | 7,031 |
| Noncurrent assets plus other real estate owned to assets | 4.1396% | 1,640 |
| Noncurrent loans to loans | 5.1443% | 1,329 |
| Net loans and leases to total assets | 68.7914% | 3,173 |
| Net loans and leases to deposits | 91.0786% | 1,682 |
| Net loans and leases to core deposits | 97.3028% | 2,300 |
| Total domestic deposits to total assets | 75.5296% | 6,771 |
| Equity capital to assets | 10.1017% | 3,888 |
| Core capital (leverage) ratio | 9.8653% | 3,324 |
| Tier 1 risk-based capital ratio | 16.3734% | 2,527 |
| Total risk-based capital ratio | 17.4529% | 2,544 |
| Memoranda: | ||
| Average total assets | $272,679,330 | 2,390 |
| Average earning assets | $252,339,000 | 2,372 |
| Average equity | $27,039,670 | 2,411 |
| Average total loans | $188,643,330 | 2,325 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4666% | 2,750 |
| Cost of funding earning assets | 1.9868% | 1,139 |
| Net interest margin | 3.4797% | 5,241 |
| Noninterest income to average assets | 0.1933% | 6,581 |
| Noninterest expense to average assets | 2.7509% | 4,688 |
| Loan and lease loss provision to assets | 0.7320% | 1,737 |
| Net operating income to assets | -0.0229% | 6,339 |
| Return on assets (ROA) | -0.0220% | 6,426 |
| Pretax return on assets | -0.0805% | 6,440 |
| Return on Equity (ROE) | -0.2235% | 6,437 |
| Retained earnings to average equity (ytd only) | -0.2235% | 5,882 |
| Net charge-offs to loans | 0.9307% | 1,728 |
| Credit loss provision to net charge-offs | 113.8952% | 3,048 |
| Earnings coverage of net charge-offs (x) | 1.0114% | 4,164 |
| Efficiency ratio | 80.8868% | 2,428 |
| Assets per employee ($millions) | 4.8274% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 6,902 |
| Loan loss allowance to noncurrent loans | 24.0069% | 6,796 |
| Noncurrent assets plus other real estate owned to assets | 3.3598% | 2,116 |
| Noncurrent loans to loans | 3.6654% | 2,170 |
| Net loans and leases to total assets | 68.5282% | 3,271 |
| Net loans and leases to deposits | 90.6109% | 1,814 |
| Net loans and leases to core deposits | 96.8599% | 2,480 |
| Total domestic deposits to total assets | 75.6291% | 6,812 |
| Equity capital to assets | 9.7898% | 4,126 |
| Core capital (leverage) ratio | 9.6557% | 3,573 |
| Tier 1 risk-based capital ratio | 15.8360% | 2,710 |
| Total risk-based capital ratio | 16.8379% | 2,778 |
| Memoranda: | ||
| Average total assets | $273,220,000 | 2,445 |
| Average earning assets | $251,859,000 | 2,428 |
| Average equity | $26,841,500 | 2,446 |
| Average total loans | $188,677,000 | 2,393 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9440% | 2,067 |
| Cost of funding earning assets | 2.5544% | 888 |
| Net interest margin | 3.3895% | 5,405 |
| Noninterest income to average assets | 0.4446% | 4,844 |
| Noninterest expense to average assets | 2.8165% | 4,898 |
| Loan and lease loss provision to assets | 0.1957% | 5,775 |
| Net operating income to assets | 0.3440% | 4,355 |
| Return on assets (ROA) | 0.3452% | 4,439 |
| Pretax return on assets | 0.5941% | 3,914 |
| Return on Equity (ROE) | 3.3516% | 4,360 |
| Retained earnings to average equity (ytd only) | 3.3516% | 2,822 |
| Net charge-offs to loans | 0.7077% | 3,065 |
| Credit loss provision to net charge-offs | 39.8724% | 6,828 |
| Earnings coverage of net charge-offs (x) | 1.6053% | 4,539 |
| Efficiency ratio | 78.1409% | 3,169 |
| Assets per employee ($millions) | 4.7592% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 6,948 |
| Loan loss allowance to noncurrent loans | 38.7368% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 2.4525% | 2,840 |
| Noncurrent loans to loans | 2.2254% | 3,368 |
| Net loans and leases to total assets | 68.3813% | 3,620 |
| Net loans and leases to deposits | 91.6571% | 1,937 |
| Net loans and leases to core deposits | 107.3246% | 3,179 |
| Total domestic deposits to total assets | 74.6056% | 6,930 |
| Equity capital to assets | 9.8590% | 3,932 |
| Core capital (leverage) ratio | 9.7852% | 3,342 |
| Tier 1 risk-based capital ratio | 16.1280% | 2,462 |
| Total risk-based capital ratio | 17.1093% | 2,515 |
| Memoranda: | ||
| Average total assets | $255,497,800 | 2,561 |
| Average earning assets | $238,174,000 | 2,519 |
| Average equity | $26,316,000 | 2,504 |
| Average total loans | $177,197,400 | 2,547 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9966% | 2,054 |
| Cost of funding earning assets | 2.6740% | 854 |
| Net interest margin | 3.3226% | 5,553 |
| Noninterest income to average assets | 0.4908% | 4,567 |
| Noninterest expense to average assets | 2.6978% | 5,338 |
| Loan and lease loss provision to assets | 0.1060% | 6,317 |
| Net operating income to assets | 0.5270% | 3,875 |
| Return on assets (ROA) | 0.5263% | 3,967 |
| Pretax return on assets | 0.7977% | 3,550 |
| Return on Equity (ROE) | 5.0516% | 3,945 |
| Retained earnings to average equity (ytd only) | 5.0516% | 2,456 |
| Net charge-offs to loans | 0.8013% | 2,360 |
| Credit loss provision to net charge-offs | 19.0476% | 6,581 |
| Earnings coverage of net charge-offs (x) | 1.6257% | 4,574 |
| Efficiency ratio | 74.8860% | 3,710 |
| Assets per employee ($millions) | 5.1967% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8232% | 7,050 |
| Loan loss allowance to noncurrent loans | 40.3780% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 2.0716% | 3,249 |
| Noncurrent loans to loans | 2.0388% | 3,581 |
| Net loans and leases to total assets | 67.6304% | 4,042 |
| Net loans and leases to deposits | 91.1979% | 2,364 |
| Net loans and leases to core deposits | 106.1738% | 3,684 |
| Total domestic deposits to total assets | 74.1578% | 6,919 |
| Equity capital to assets | 9.9675% | 4,127 |
| Core capital (leverage) ratio | 9.8687% | 3,436 |
| Tier 1 risk-based capital ratio | 16.4454% | 2,455 |
| Total risk-based capital ratio | 17.3825% | 2,520 |
| Memoranda: | ||
| Average total assets | $251,553,250 | 2,609 |
| Average earning assets | $235,596,000 | 2,563 |
| Average equity | $26,208,750 | 2,540 |
| Average total loans | $174,718,000 | 2,611 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0848% | 1,837 |
| Cost of funding earning assets | 2.7632% | 869 |
| Net interest margin | 3.3216% | 5,470 |
| Noninterest income to average assets | 0.5747% | 3,872 |
| Noninterest expense to average assets | 2.6381% | 5,594 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6932% | 3,288 |
| Return on assets (ROA) | 0.6872% | 3,423 |
| Pretax return on assets | 1.0411% | 2,840 |
| Return on Equity (ROE) | 6.4929% | 3,440 |
| Retained earnings to average equity (ytd only) | 6.4929% | 1,804 |
| Net charge-offs to loans | 0.7730% | 2,135 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.9427% | 4,129 |
| Efficiency ratio | 71.5296% | 4,503 |
| Assets per employee ($millions) | 5.6198% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 6,586 |
| Loan loss allowance to noncurrent loans | 55.1100% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 1.8699% | 3,374 |
| Noncurrent loans to loans | 1.7110% | 3,946 |
| Net loans and leases to total assets | 67.7717% | 4,190 |
| Net loans and leases to deposits | 93.6004% | 2,156 |
| Net loans and leases to core deposits | 107.4169% | 3,673 |
| Total domestic deposits to total assets | 72.4054% | 7,200 |
| Equity capital to assets | 9.9723% | 3,981 |
| Core capital (leverage) ratio | 9.9942% | 3,304 |
| Tier 1 risk-based capital ratio | 16.5012% | 2,447 |
| Total risk-based capital ratio | 17.5659% | 2,461 |
| Memoranda: | ||
| Average total assets | $245,328,000 | 2,693 |
| Average earning assets | $229,948,330 | 2,633 |
| Average equity | $25,966,670 | 2,559 |
| Average total loans | $171,532,670 | 2,671 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1237% | 1,853 |
| Cost of funding earning assets | 2.7355% | 1,157 |
| Net interest margin | 3.3882% | 5,177 |
| Noninterest income to average assets | 0.6171% | 3,425 |
| Noninterest expense to average assets | 2.6127% | 5,405 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7804% | 3,210 |
| Return on assets (ROA) | 0.7782% | 3,391 |
| Pretax return on assets | 1.1783% | 2,692 |
| Return on Equity (ROE) | 7.1218% | 3,546 |
| Retained earnings to average equity (ytd only) | 7.1218% | 2,169 |
| Net charge-offs to loans | 0.0407% | 4,918 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 828 |
| Efficiency ratio | 68.8561% | 4,806 |
| Assets per employee ($millions) | 5.4472% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 3,739 |
| Loan loss allowance to noncurrent loans | 99.6185% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 1.1250% | 4,429 |
| Noncurrent loans to loans | 1.3643% | 4,274 |
| Net loans and leases to total assets | 68.0655% | 4,125 |
| Net loans and leases to deposits | 98.9189% | 1,547 |
| Net loans and leases to core deposits | 113.6997% | 3,035 |
| Total domestic deposits to total assets | 68.8094% | 7,536 |
| Equity capital to assets | 10.4437% | 3,517 |
| Core capital (leverage) ratio | 10.4131% | 3,018 |
| Tier 1 risk-based capital ratio | 17.0783% | 2,310 |
| Total risk-based capital ratio | 18.3278% | 2,250 |
| Memoranda: | ||
| Average total assets | $235,926,500 | 2,814 |
| Average earning assets | $221,238,500 | 2,746 |
| Average equity | $25,780,000 | 2,585 |
| Average total loans | $166,944,000 | 2,738 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4805% | 3,059 |
| Cost of funding earning assets | 3.0277% | 1,767 |
| Net interest margin | 3.4528% | 5,455 |
| Noninterest income to average assets | -0.1693% | 8,219 |
| Noninterest expense to average assets | 2.6340% | 5,514 |
| Loan and lease loss provision to assets | 0.3074% | 3,911 |
| Net operating income to assets | 0.0791% | 6,159 |
| Return on assets (ROA) | 0.0586% | 6,070 |
| Pretax return on assets | 0.0859% | 5,975 |
| Return on Equity (ROE) | 0.4520% | 6,095 |
| Retained earnings to average equity (ytd only) | -5.5742% | 6,598 |
| Net charge-offs to loans | 0.2704% | 3,601 |
| Credit loss provision to net charge-offs | 164.4909% | 3,129 |
| Earnings coverage of net charge-offs (x) | 2.2663% | 4,944 |
| Efficiency ratio | 86.1475% | 1,841 |
| Assets per employee ($millions) | 5.2686% | 1,671 |
| Cash dividends to net income (ytd only)* | 1,333.3333% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 2,829 |
| Loan loss allowance to noncurrent loans | 121.4469% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 1.0887% | 4,111 |
| Noncurrent loans to loans | 1.2107% | 4,095 |
| Net loans and leases to total assets | 71.6817% | 3,655 |
| Net loans and leases to deposits | 111.7398% | 722 |
| Net loans and leases to core deposits | 131.9354% | 1,729 |
| Total domestic deposits to total assets | 64.1506% | 7,785 |
| Equity capital to assets | 11.4746% | 2,649 |
| Core capital (leverage) ratio | 11.5566% | 2,217 |
| Tier 1 risk-based capital ratio | 18.0649% | 2,024 |
| Total risk-based capital ratio | 19.3148% | 1,973 |
| Memoranda: | ||
| Average total assets | $204,933,400 | 3,071 |
| Average earning assets | $191,528,400 | 3,017 |
| Average equity | $26,551,000 | 2,510 |
| Average total loans | $141,655,200 | 3,067 |