Home > Heritage Bank > Performance and Condition Ratios
Heritage 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 | 5.6196% | 1,037 |
| Cost of funding earning assets | 0.9516% | 4,310 |
| Net interest margin | 4.6680% | 786 |
| Noninterest income to average assets | 1.1055% | 1,061 |
| Noninterest expense to average assets | 3.9998% | 1,055 |
| Loan and lease loss provision to assets | 0.5803% | 1,668 |
| Net operating income to assets | 0.7689% | 3,207 |
| Return on assets (ROA) | 0.7689% | 3,340 |
| Pretax return on assets | 0.8095% | 3,988 |
| Return on Equity (ROE) | 7.7962% | 3,046 |
| Retained earnings to average equity (ytd only) | 4.8543% | 3,083 |
| Net charge-offs to loans | 1.1154% | 1,410 |
| Credit loss provision to net charge-offs | 70.6714% | 4,045 |
| Earnings coverage of net charge-offs (x) | 1.6926% | 4,027 |
| Efficiency ratio | 74.2127% | 3,320 |
| Assets per employee ($millions) | 2.4007% | 7,022 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9163% | 2,620 |
| Loan loss allowance to noncurrent loans | 63.5410% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 2.1587% | 3,038 |
| Noncurrent loans to loans | 3.0158% | 2,405 |
| Net loans and leases to total assets | 70.2080% | 2,180 |
| Net loans and leases to deposits | 84.3006% | 2,062 |
| Net loans and leases to core deposits | 85.5634% | 2,985 |
| Total domestic deposits to total assets | 83.2829% | 4,644 |
| Equity capital to assets | 10.1789% | 3,905 |
| Core capital (leverage) ratio | 9.7433% | 3,612 |
| Tier 1 risk-based capital ratio | 13.7318% | 4,358 |
| Total risk-based capital ratio | 14.9896% | 4,329 |
| Memoranda: | ||
| Average total assets | $137,857,000 | 4,066 |
| Average earning assets | $126,522,000 | 4,057 |
| Average equity | $13,596,330 | 4,196 |
| Average total loans | $101,488,670 | 3,643 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9136% | 580 |
| Cost of funding earning assets | 1.0133% | 4,100 |
| Net interest margin | 4.9003% | 467 |
| Noninterest income to average assets | 0.7805% | 2,110 |
| Noninterest expense to average assets | 3.9924% | 1,044 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1564% | 1,640 |
| Return on assets (ROA) | 1.1564% | 1,692 |
| Pretax return on assets | 1.2200% | 2,308 |
| Return on Equity (ROE) | 11.9136% | 1,486 |
| Retained earnings to average equity (ytd only) | 5.9568% | 2,667 |
| Net charge-offs to loans | 0.6392% | 1,928 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.5576% | 3,060 |
| Efficiency ratio | 76.5946% | 3,054 |
| Assets per employee ($millions) | 2.3267% | 7,167 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8810% | 2,756 |
| Loan loss allowance to noncurrent loans | 87.5933% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 1.5939% | 3,859 |
| Noncurrent loans to loans | 2.1475% | 3,385 |
| Net loans and leases to total assets | 71.3617% | 1,845 |
| Net loans and leases to deposits | 85.2554% | 1,841 |
| Net loans and leases to core deposits | 86.5181% | 2,803 |
| Total domestic deposits to total assets | 83.7034% | 4,620 |
| Equity capital to assets | 9.8547% | 3,961 |
| Core capital (leverage) ratio | 9.5839% | 3,678 |
| Tier 1 risk-based capital ratio | 13.5402% | 4,401 |
| Total risk-based capital ratio | 14.7978% | 4,358 |
| Memoranda: | ||
| Average total assets | $138,364,500 | 4,088 |
| Average earning assets | $125,135,500 | 4,119 |
| Average equity | $13,430,000 | 4,235 |
| Average total loans | $103,257,500 | 3,636 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7466% | 1,413 |
| Cost of funding earning assets | 1.2635% | 4,118 |
| Net interest margin | 4.4831% | 1,266 |
| Noninterest income to average assets | 1.3111% | 855 |
| Noninterest expense to average assets | 3.7958% | 1,498 |
| Loan and lease loss provision to assets | 1.3228% | 1,154 |
| Net operating income to assets | 0.3132% | 4,891 |
| Return on assets (ROA) | 0.3167% | 5,045 |
| Pretax return on assets | 0.3342% | 5,132 |
| Return on Equity (ROE) | 3.2963% | 4,821 |
| Retained earnings to average equity (ytd only) | 3.2963% | 3,563 |
| Net charge-offs to loans | 1.6455% | 1,319 |
| Credit loss provision to net charge-offs | 104.5455% | 4,294 |
| Earnings coverage of net charge-offs (x) | 1.3067% | 4,796 |
| Efficiency ratio | 69.6593% | 4,251 |
| Assets per employee ($millions) | 2.4466% | 7,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9151% | 2,519 |
| Loan loss allowance to noncurrent loans | 71.2095% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 2.0573% | 3,277 |
| Noncurrent loans to loans | 2.6895% | 2,831 |
| Net loans and leases to total assets | 75.0299% | 1,471 |
| Net loans and leases to deposits | 92.6087% | 1,193 |
| Net loans and leases to core deposits | 95.0924% | 2,116 |
| Total domestic deposits to total assets | 81.0182% | 5,518 |
| Equity capital to assets | 9.5601% | 4,326 |
| Core capital (leverage) ratio | 9.5666% | 3,610 |
| Tier 1 risk-based capital ratio | 12.3240% | 5,185 |
| Total risk-based capital ratio | 13.5818% | 5,149 |
| Memoranda: | ||
| Average total assets | $137,363,000 | 4,110 |
| Average earning assets | $126,788,400 | 4,087 |
| Average equity | $13,196,800 | 4,328 |
| Average total loans | $105,623,200 | 3,640 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7562% | 1,525 |
| Cost of funding earning assets | 1.3106% | 4,150 |
| Net interest margin | 4.4457% | 1,386 |
| Noninterest income to average assets | 1.2725% | 852 |
| Noninterest expense to average assets | 3.7405% | 1,494 |
| Loan and lease loss provision to assets | 1.6632% | 772 |
| Net operating income to assets | -0.0263% | 6,056 |
| Return on assets (ROA) | -0.0214% | 6,161 |
| Pretax return on assets | -0.0214% | 6,121 |
| Return on Equity (ROE) | -0.2228% | 6,166 |
| Retained earnings to average equity (ytd only) | -0.2228% | 5,832 |
| Net charge-offs to loans | 1.9716% | 966 |
| Credit loss provision to net charge-offs | 109.5635% | 3,876 |
| Earnings coverage of net charge-offs (x) | 1.0783% | 4,976 |
| Efficiency ratio | 69.5597% | 4,160 |
| Assets per employee ($millions) | 2.2594% | 7,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0309% | 2,146 |
| Loan loss allowance to noncurrent loans | 69.9901% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 2.5123% | 2,856 |
| Noncurrent loans to loans | 2.9017% | 2,754 |
| Net loans and leases to total assets | 76.4649% | 1,321 |
| Net loans and leases to deposits | 92.0145% | 1,443 |
| Net loans and leases to core deposits | 94.6083% | 2,437 |
| Total domestic deposits to total assets | 83.1009% | 4,553 |
| Equity capital to assets | 9.8685% | 4,334 |
| Core capital (leverage) ratio | 9.3641% | 4,110 |
| Tier 1 risk-based capital ratio | 12.1913% | 5,280 |
| Total risk-based capital ratio | 13.4507% | 5,241 |
| Memoranda: | ||
| Average total assets | $136,840,000 | 4,170 |
| Average earning assets | $126,352,250 | 4,152 |
| Average equity | $13,163,000 | 4,403 |
| Average total loans | $105,360,000 | 3,697 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7195% | 1,691 |
| Cost of funding earning assets | 1.3745% | 4,032 |
| Net interest margin | 4.3451% | 1,612 |
| Noninterest income to average assets | 1.3375% | 706 |
| Noninterest expense to average assets | 3.6415% | 1,680 |
| Loan and lease loss provision to assets | 1.0245% | 1,424 |
| Net operating income to assets | 0.6409% | 3,675 |
| Return on assets (ROA) | 0.6477% | 3,790 |
| Pretax return on assets | 0.6825% | 4,298 |
| Return on Equity (ROE) | 6.7904% | 3,399 |
| Retained earnings to average equity (ytd only) | 6.7904% | 1,927 |
| Net charge-offs to loans | 1.0700% | 1,758 |
| Credit loss provision to net charge-offs | 124.9117% | 3,243 |
| Earnings coverage of net charge-offs (x) | 2.0724% | 3,991 |
| Efficiency ratio | 68.1769% | 4,545 |
| Assets per employee ($millions) | 2.4412% | 7,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9830% | 2,225 |
| Loan loss allowance to noncurrent loans | 49.6579% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 3.2836% | 2,144 |
| Noncurrent loans to loans | 3.9933% | 1,896 |
| Net loans and leases to total assets | 74.7769% | 1,743 |
| Net loans and leases to deposits | 92.7369% | 1,430 |
| Net loans and leases to core deposits | 96.2000% | 2,419 |
| Total domestic deposits to total assets | 80.6333% | 5,527 |
| Equity capital to assets | 9.7222% | 4,378 |
| Core capital (leverage) ratio | 9.4602% | 3,879 |
| Tier 1 risk-based capital ratio | 12.2839% | 5,047 |
| Total risk-based capital ratio | 13.5431% | 5,018 |
| Memoranda: | ||
| Average total assets | $138,019,000 | 4,173 |
| Average earning assets | $127,178,000 | 4,153 |
| Average equity | $13,165,670 | 4,404 |
| Average total loans | $105,799,000 | 3,726 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7403% | 1,637 |
| Cost of funding earning assets | 1.4027% | 4,153 |
| Net interest margin | 4.3376% | 1,573 |
| Noninterest income to average assets | 0.7682% | 2,186 |
| Noninterest expense to average assets | 3.6259% | 1,677 |
| Loan and lease loss provision to assets | 0.1455% | 5,095 |
| Net operating income to assets | 0.9399% | 2,395 |
| Return on assets (ROA) | 0.9399% | 2,457 |
| Pretax return on assets | 0.9923% | 3,122 |
| Return on Equity (ROE) | 9.9503% | 2,121 |
| Retained earnings to average equity (ytd only) | 9.9503% | 1,150 |
| Net charge-offs to loans | 0.7006% | 2,096 |
| Credit loss provision to net charge-offs | 27.0270% | 4,862 |
| Earnings coverage of net charge-offs (x) | 2.1135% | 3,484 |
| Efficiency ratio | 76.1148% | 3,193 |
| Assets per employee ($millions) | 2.3853% | 7,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7539% | 2,884 |
| Loan loss allowance to noncurrent loans | 52.0341% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 2.8427% | 2,546 |
| Noncurrent loans to loans | 3.3707% | 2,377 |
| Net loans and leases to total assets | 75.3529% | 1,672 |
| Net loans and leases to deposits | 92.2767% | 1,575 |
| Net loans and leases to core deposits | 96.2904% | 2,554 |
| Total domestic deposits to total assets | 81.6597% | 5,210 |
| Equity capital to assets | 9.6563% | 4,298 |
| Core capital (leverage) ratio | 9.5511% | 3,699 |
| Tier 1 risk-based capital ratio | 12.4409% | 4,802 |
| Total risk-based capital ratio | 13.6968% | 4,744 |
| Memoranda: | ||
| Average total assets | $137,455,500 | 4,239 |
| Average earning assets | $126,614,000 | 4,222 |
| Average equity | $12,984,500 | 4,478 |
| Average total loans | $105,621,500 | 3,789 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9440% | 2,068 |
| Cost of funding earning assets | 1.7772% | 4,116 |
| Net interest margin | 4.1668% | 2,196 |
| Noninterest income to average assets | 0.8888% | 1,987 |
| Noninterest expense to average assets | 3.6554% | 2,016 |
| Loan and lease loss provision to assets | 1.0974% | 2,076 |
| Net operating income to assets | -0.0130% | 5,510 |
| Return on assets (ROA) | -0.0130% | 5,558 |
| Pretax return on assets | -0.0130% | 5,471 |
| Return on Equity (ROE) | -0.1496% | 5,563 |
| Retained earnings to average equity (ytd only) | -0.1496% | 4,977 |
| Net charge-offs to loans | 1.2605% | 1,961 |
| Credit loss provision to net charge-offs | 108.6490% | 5,094 |
| Earnings coverage of net charge-offs (x) | 1.0736% | 5,037 |
| Efficiency ratio | 77.1211% | 3,341 |
| Assets per employee ($millions) | 2.4377% | 7,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8362% | 2,434 |
| Loan loss allowance to noncurrent loans | 50.2945% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 3.0479% | 2,288 |
| Noncurrent loans to loans | 3.6508% | 2,061 |
| Net loans and leases to total assets | 75.5664% | 1,907 |
| Net loans and leases to deposits | 93.7223% | 1,636 |
| Net loans and leases to core deposits | 107.8739% | 3,114 |
| Total domestic deposits to total assets | 80.6280% | 5,457 |
| Equity capital to assets | 9.2409% | 4,786 |
| Core capital (leverage) ratio | 9.2145% | 4,093 |
| Tier 1 risk-based capital ratio | 11.7388% | 5,160 |
| Total risk-based capital ratio | 12.9956% | 5,119 |
| Memoranda: | ||
| Average total assets | $138,507,000 | 4,154 |
| Average earning assets | $128,012,200 | 4,130 |
| Average equity | $12,030,600 | 4,742 |
| Average total loans | $110,985,800 | 3,669 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9894% | 2,085 |
| Cost of funding earning assets | 1.8495% | 4,160 |
| Net interest margin | 4.1399% | 2,250 |
| Noninterest income to average assets | 0.6734% | 3,192 |
| Noninterest expense to average assets | 3.6079% | 2,015 |
| Loan and lease loss provision to assets | 1.3680% | 1,409 |
| Net operating income to assets | -0.4769% | 6,403 |
| Return on assets (ROA) | -0.4769% | 6,408 |
| Pretax return on assets | -0.4769% | 6,270 |
| Return on Equity (ROE) | -5.5797% | 6,511 |
| Retained earnings to average equity (ytd only) | -5.5797% | 6,331 |
| Net charge-offs to loans | 1.6310% | 1,249 |
| Credit loss provision to net charge-offs | 103.6496% | 4,913 |
| Earnings coverage of net charge-offs (x) | 0.6752% | 5,357 |
| Efficiency ratio | 80.1927% | 2,813 |
| Assets per employee ($millions) | 2.4799% | 7,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 2,362 |
| Loan loss allowance to noncurrent loans | 45.6255% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 3.0419% | 2,276 |
| Noncurrent loans to loans | 3.8925% | 1,895 |
| Net loans and leases to total assets | 76.7588% | 1,834 |
| Net loans and leases to deposits | 93.5212% | 1,961 |
| Net loans and leases to core deposits | 106.1255% | 3,688 |
| Total domestic deposits to total assets | 82.0765% | 4,647 |
| Equity capital to assets | 9.0684% | 5,386 |
| Core capital (leverage) ratio | 8.9775% | 4,681 |
| Tier 1 risk-based capital ratio | 11.5994% | 5,342 |
| Total risk-based capital ratio | 12.8564% | 5,272 |
| Memoranda: | ||
| Average total assets | $138,396,750 | 4,172 |
| Average earning assets | $127,890,250 | 4,152 |
| Average equity | $11,828,250 | 4,838 |
| Average total loans | $111,991,750 | 3,688 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9685% | 2,310 |
| Cost of funding earning assets | 1.9210% | 4,159 |
| Net interest margin | 4.0476% | 2,515 |
| Noninterest income to average assets | 0.4746% | 4,676 |
| Noninterest expense to average assets | 3.5178% | 2,285 |
| Loan and lease loss provision to assets | 2.0422% | 792 |
| Net operating income to assets | -1.3490% | 7,187 |
| Return on assets (ROA) | -1.3490% | 7,188 |
| Pretax return on assets | -1.3490% | 7,013 |
| Return on Equity (ROE) | -16.1058% | 7,385 |
| Retained earnings to average equity (ytd only) | -16.1058% | 7,303 |
| Net charge-offs to loans | 1.9017% | 984 |
| Credit loss provision to net charge-offs | 131.2384% | 3,555 |
| Earnings coverage of net charge-offs (x) | 0.4455% | 5,255 |
| Efficiency ratio | 83.5383% | 2,534 |
| Assets per employee ($millions) | 2.4536% | 7,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9759% | 1,621 |
| Loan loss allowance to noncurrent loans | 59.8682% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 2.6513% | 2,420 |
| Noncurrent loans to loans | 3.3004% | 2,140 |
| Net loans and leases to total assets | 78.7444% | 1,584 |
| Net loans and leases to deposits | 95.1509% | 1,926 |
| Net loans and leases to core deposits | 108.6620% | 3,534 |
| Total domestic deposits to total assets | 82.7574% | 4,354 |
| Equity capital to assets | 8.5798% | 5,928 |
| Core capital (leverage) ratio | 8.3289% | 5,743 |
| Tier 1 risk-based capital ratio | 10.9909% | 5,882 |
| Total risk-based capital ratio | 12.2503% | 5,807 |
| Memoranda: | ||
| Average total assets | $139,063,670 | 4,191 |
| Average earning assets | $128,373,330 | 4,174 |
| Average equity | $11,648,000 | 4,902 |
| Average total loans | $113,792,670 | 3,681 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8293% | 3,149 |
| Cost of funding earning assets | 1.9555% | 4,352 |
| Net interest margin | 3.8738% | 3,169 |
| Noninterest income to average assets | -0.1115% | 8,141 |
| Noninterest expense to average assets | 3.3769% | 2,428 |
| Loan and lease loss provision to assets | 0.2859% | 3,675 |
| Net operating income to assets | -0.2002% | 6,556 |
| Return on assets (ROA) | -0.2002% | 6,642 |
| Pretax return on assets | -0.2002% | 6,573 |
| Return on Equity (ROE) | -2.4185% | 6,714 |
| Retained earnings to average equity (ytd only) | -2.4185% | 6,179 |
| Net charge-offs to loans | 1.1948% | 1,164 |
| Credit loss provision to net charge-offs | 28.9855% | 4,960 |
| Earnings coverage of net charge-offs (x) | 0.0870% | 4,913 |
| Efficiency ratio | 97.5227% | 1,239 |
| Assets per employee ($millions) | 2.6534% | 6,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 3,391 |
| Loan loss allowance to noncurrent loans | 31.8390% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 3.4536% | 1,563 |
| Noncurrent loans to loans | 4.4600% | 1,292 |
| Net loans and leases to total assets | 76.0162% | 2,261 |
| Net loans and leases to deposits | 91.5237% | 2,687 |
| Net loans and leases to core deposits | 105.2474% | 4,000 |
| Total domestic deposits to total assets | 83.0563% | 4,118 |
| Equity capital to assets | 8.0069% | 6,798 |
| Core capital (leverage) ratio | 8.3809% | 5,755 |
| Tier 1 risk-based capital ratio | 10.4927% | 6,405 |
| Total risk-based capital ratio | 11.7448% | 6,315 |
| Memoranda: | ||
| Average total assets | $139,893,500 | 4,190 |
| Average earning assets | $129,073,000 | 4,173 |
| Average equity | $11,577,500 | 4,963 |
| Average total loans | $115,499,500 | 3,663 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7734% | 1,774 |
| Cost of funding earning assets | 2.3615% | 4,888 |
| Net interest margin | 4.4120% | 1,656 |
| Noninterest income to average assets | 1.1079% | 1,278 |
| Noninterest expense to average assets | 3.5825% | 2,196 |
| Loan and lease loss provision to assets | 0.8200% | 1,812 |
| Net operating income to assets | 0.7502% | 3,671 |
| Return on assets (ROA) | 0.7756% | 3,385 |
| Pretax return on assets | 0.8162% | 4,004 |
| Return on Equity (ROE) | 9.2016% | 2,568 |
| Retained earnings to average equity (ytd only) | 4.2056% | 2,502 |
| Net charge-offs to loans | 0.1155% | 5,106 |
| Credit loss provision to net charge-offs | 817.5573% | 536 |
| Earnings coverage of net charge-offs (x) | 16.0458% | 1,878 |
| Efficiency ratio | 69.0016% | 4,534 |
| Assets per employee ($millions) | 2.4787% | 7,241 |
| Cash dividends to net income (ytd only)* | 54.2942% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 2,424 |
| Loan loss allowance to noncurrent loans | 36.2296% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 4.3018% | 907 |
| Noncurrent loans to loans | 4.2941% | 1,128 |
| Net loans and leases to total assets | 87.1290% | 461 |
| Net loans and leases to deposits | 111.4240% | 742 |
| Net loans and leases to core deposits | 127.2968% | 2,057 |
| Total domestic deposits to total assets | 78.1959% | 5,645 |
| Equity capital to assets | 8.5692% | 5,979 |
| Core capital (leverage) ratio | 8.7065% | 5,183 |
| Tier 1 risk-based capital ratio | 9.9222% | 6,820 |
| Total risk-based capital ratio | 11.1765% | 6,703 |
| Memoranda: | ||
| Average total assets | $130,606,800 | 4,270 |
| Average earning assets | $120,898,800 | 4,233 |
| Average equity | $11,009,000 | 5,119 |
| Average total loans | $113,449,800 | 3,600 |