Home > High Trust Bank > Performance and Condition Ratios
High Trust 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 | 4.2643% | 6,123 |
| Cost of funding earning assets | 1.7361% | 412 |
| Net interest margin | 2.5283% | 7,169 |
| Noninterest income to average assets | -3.0753% | 7,509 |
| Noninterest expense to average assets | 3.0111% | 3,596 |
| Loan and lease loss provision to assets | 0.6846% | 1,397 |
| Net operating income to assets | -4.6298% | 7,427 |
| Return on assets (ROA) | -4.6298% | 7,428 |
| Pretax return on assets | -4.6298% | 7,422 |
| Return on Equity (ROE) | -230.9430% | 7,492 |
| Retained earnings to average equity (ytd only) | -230.9430% | 7,492 |
| Net charge-offs to loans | 2.6317% | 426 |
| Credit loss provision to net charge-offs | 34.4828% | 4,918 |
| Earnings coverage of net charge-offs (x) | -1.9873% | 5,711 |
| Efficiency ratio | -322.3224% | 7,510 |
| Assets per employee ($millions) | 8.5876% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8198% | 1,062 |
| Loan loss allowance to noncurrent loans | 10.0727% | 6,946 |
| Noncurrent assets plus other real estate owned to assets | 34.2165% | 6 |
| Noncurrent loans to loans | 27.9946% | 19 |
| Net loans and leases to total assets | 72.0456% | 1,774 |
| Net loans and leases to deposits | 73.3135% | 3,897 |
| Net loans and leases to core deposits | 75.0663% | 4,425 |
| Total domestic deposits to total assets | 98.2705% | 6 |
| Equity capital to assets | 1.4201% | 7,489 |
| Core capital (leverage) ratio | 1.3808% | 7,489 |
| Tier 1 risk-based capital ratio | 1.6450% | 7,491 |
| Total risk-based capital ratio | 2.9092% | 7,492 |
| Memoranda: | ||
| Average total assets | $189,900,330 | 3,226 |
| Average earning assets | $160,822,330 | 3,427 |
| Average equity | $3,807,000 | 6,899 |
| Average total loans | $143,252,000 | 2,789 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3739% | 7,281 |
| Cost of funding earning assets | 1.7667% | 426 |
| Net interest margin | 1.6072% | 7,490 |
| Noninterest income to average assets | -6.6838% | 7,572 |
| Noninterest expense to average assets | 2.5046% | 5,532 |
| Loan and lease loss provision to assets | 0.5137% | 1,692 |
| Net operating income to assets | -8.3357% | 7,543 |
| Return on assets (ROA) | -8.3357% | 7,543 |
| Pretax return on assets | -8.3357% | 7,539 |
| Return on Equity (ROE) | -366.3205% | 7,557 |
| Retained earnings to average equity (ytd only) | -366.3205% | 7,557 |
| Net charge-offs to loans | 3.7236% | 262 |
| Credit loss provision to net charge-offs | 18.1422% | 4,273 |
| Earnings coverage of net charge-offs (x) | -2.7627% | 4,985 |
| Efficiency ratio | -47.1020% | 7,566 |
| Assets per employee ($millions) | 8.7520% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6684% | 1,240 |
| Loan loss allowance to noncurrent loans | 9.4381% | 7,018 |
| Noncurrent assets plus other real estate owned to assets | 33.3328% | 4 |
| Noncurrent loans to loans | 28.2723% | 18 |
| Net loans and leases to total assets | 73.4470% | 1,426 |
| Net loans and leases to deposits | 74.6366% | 3,660 |
| Net loans and leases to core deposits | 76.3030% | 4,262 |
| Total domestic deposits to total assets | 98.4061% | 4 |
| Equity capital to assets | 1.2532% | 7,554 |
| Core capital (leverage) ratio | 1.4790% | 7,547 |
| Tier 1 risk-based capital ratio | 1.7423% | 7,553 |
| Total risk-based capital ratio | 3.0053% | 7,553 |
| Memoranda: | ||
| Average total assets | $194,680,500 | 3,179 |
| Average earning assets | $165,505,500 | 3,368 |
| Average equity | $4,430,000 | 6,731 |
| Average total loans | $148,029,500 | 2,737 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8898% | 7,206 |
| Cost of funding earning assets | 2.0419% | 517 |
| Net interest margin | 1.8478% | 7,494 |
| Noninterest income to average assets | 0.1963% | 6,370 |
| Noninterest expense to average assets | 2.9147% | 4,169 |
| Loan and lease loss provision to assets | 0.6852% | 2,403 |
| Net operating income to assets | -1.7772% | 6,991 |
| Return on assets (ROA) | -1.8017% | 7,020 |
| Pretax return on assets | -1.8017% | 6,962 |
| Return on Equity (ROE) | -39.0822% | 7,339 |
| Retained earnings to average equity (ytd only) | -39.0822% | 7,332 |
| Net charge-offs to loans | 1.3219% | 1,687 |
| Credit loss provision to net charge-offs | 65.1466% | 5,979 |
| Earnings coverage of net charge-offs (x) | -1.0382% | 6,615 |
| Efficiency ratio | 159.9087% | 163 |
| Assets per employee ($millions) | 7.8727% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3197% | 669 |
| Loan loss allowance to noncurrent loans | 14.2564% | 7,010 |
| Noncurrent assets plus other real estate owned to assets | 29.8098% | 7 |
| Noncurrent loans to loans | 23.2859% | 52 |
| Net loans and leases to total assets | 74.0583% | 1,650 |
| Net loans and leases to deposits | 76.8169% | 3,720 |
| Net loans and leases to core deposits | 77.9053% | 4,471 |
| Total domestic deposits to total assets | 96.4089% | 27 |
| Equity capital to assets | 3.2756% | 7,546 |
| Core capital (leverage) ratio | 3.5165% | 7,527 |
| Tier 1 risk-based capital ratio | 4.0709% | 7,563 |
| Total risk-based capital ratio | 5.3402% | 7,565 |
| Memoranda: | ||
| Average total assets | $204,311,000 | 3,049 |
| Average earning assets | $179,831,600 | 3,123 |
| Average equity | $9,418,600 | 5,294 |
| Average total loans | $162,572,800 | 2,582 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 7,342 |
| Cost of funding earning assets | 2.1041% | 530 |
| Net interest margin | 1.7929% | 7,627 |
| Noninterest income to average assets | 1.0469% | 1,315 |
| Noninterest expense to average assets | 2.7619% | 4,632 |
| Loan and lease loss provision to assets | 0.6467% | 2,363 |
| Net operating income to assets | -0.7708% | 6,781 |
| Return on assets (ROA) | -0.8031% | 6,829 |
| Pretax return on assets | -0.8031% | 6,740 |
| Return on Equity (ROE) | -16.2964% | 7,138 |
| Retained earnings to average equity (ytd only) | -16.2964% | 7,113 |
| Net charge-offs to loans | 1.4765% | 1,364 |
| Credit loss provision to net charge-offs | 54.5554% | 5,814 |
| Earnings coverage of net charge-offs (x) | -0.1047% | 6,114 |
| Efficiency ratio | 104.7070% | 619 |
| Assets per employee ($millions) | 7.1184% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1256% | 747 |
| Loan loss allowance to noncurrent loans | 16.9637% | 7,006 |
| Noncurrent assets plus other real estate owned to assets | 24.0785% | 27 |
| Noncurrent loans to loans | 18.4254% | 98 |
| Net loans and leases to total assets | 76.5216% | 1,307 |
| Net loans and leases to deposits | 80.6484% | 3,331 |
| Net loans and leases to core deposits | 81.7906% | 4,273 |
| Total domestic deposits to total assets | 94.8830% | 42 |
| Equity capital to assets | 4.7422% | 7,597 |
| Core capital (leverage) ratio | 4.6895% | 7,579 |
| Tier 1 risk-based capital ratio | 5.4365% | 7,624 |
| Total risk-based capital ratio | 6.7060% | 7,626 |
| Memoranda: | ||
| Average total assets | $206,184,250 | 3,061 |
| Average earning assets | $182,938,750 | 3,135 |
| Average equity | $10,161,500 | 5,142 |
| Average total loans | $165,524,750 | 2,584 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9007% | 7,427 |
| Cost of funding earning assets | 2.1970% | 473 |
| Net interest margin | 1.7037% | 7,712 |
| Noninterest income to average assets | 1.6242% | 494 |
| Noninterest expense to average assets | 2.5615% | 5,487 |
| Loan and lease loss provision to assets | 0.4797% | 2,908 |
| Net operating income to assets | 0.1007% | 5,864 |
| Return on assets (ROA) | 0.1007% | 5,980 |
| Pretax return on assets | 0.1007% | 5,977 |
| Return on Equity (ROE) | 2.0196% | 5,628 |
| Retained earnings to average equity (ytd only) | 2.0196% | 4,850 |
| Net charge-offs to loans | 0.2877% | 3,897 |
| Credit loss provision to net charge-offs | 206.6116% | 1,880 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,751 |
| Efficiency ratio | 81.5267% | 2,233 |
| Assets per employee ($millions) | 7.0722% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7493% | 450 |
| Loan loss allowance to noncurrent loans | 18.5272% | 7,012 |
| Noncurrent assets plus other real estate owned to assets | 25.4259% | 19 |
| Noncurrent loans to loans | 20.2367% | 82 |
| Net loans and leases to total assets | 75.2650% | 1,635 |
| Net loans and leases to deposits | 79.7982% | 3,631 |
| Net loans and leases to core deposits | 82.9945% | 4,276 |
| Total domestic deposits to total assets | 94.3192% | 68 |
| Equity capital to assets | 5.2742% | 7,612 |
| Core capital (leverage) ratio | 5.2026% | 7,581 |
| Tier 1 risk-based capital ratio | 6.0954% | 7,659 |
| Total risk-based capital ratio | 7.3718% | 7,660 |
| Memoranda: | ||
| Average total assets | $208,474,000 | 3,060 |
| Average earning assets | $185,711,670 | 3,122 |
| Average equity | $10,398,000 | 5,088 |
| Average total loans | $168,219,670 | 2,576 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7001% | 7,640 |
| Cost of funding earning assets | 2.2895% | 447 |
| Net interest margin | 1.4106% | 7,842 |
| Noninterest income to average assets | -0.3845% | 7,843 |
| Noninterest expense to average assets | 2.6912% | 4,948 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.8081% | 7,415 |
| Return on assets (ROA) | -1.8081% | 7,415 |
| Pretax return on assets | -1.8081% | 7,352 |
| Return on Equity (ROE) | -37.2970% | 7,638 |
| Retained earnings to average equity (ytd only) | -37.2970% | 7,620 |
| Net charge-offs to loans | -0.0139% | 6,985 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 304.7414% | 41 |
| Assets per employee ($millions) | 6.8356% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4395% | 568 |
| Loan loss allowance to noncurrent loans | 13.9796% | 7,236 |
| Noncurrent assets plus other real estate owned to assets | 27.7752% | 13 |
| Noncurrent loans to loans | 24.6035% | 38 |
| Net loans and leases to total assets | 76.3116% | 1,478 |
| Net loans and leases to deposits | 80.2983% | 3,606 |
| Net loans and leases to core deposits | 92.9805% | 2,979 |
| Total domestic deposits to total assets | 95.0350% | 46 |
| Equity capital to assets | 4.5841% | 7,756 |
| Core capital (leverage) ratio | 4.6084% | 7,734 |
| Tier 1 risk-based capital ratio | 5.4151% | 7,774 |
| Total risk-based capital ratio | 6.6894% | 7,777 |
| Memoranda: | ||
| Average total assets | $210,164,000 | 3,099 |
| Average earning assets | $188,858,500 | 3,133 |
| Average equity | $10,188,500 | 5,183 |
| Average total loans | $172,141,000 | 2,580 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2075% | 7,600 |
| Cost of funding earning assets | 2.9442% | 268 |
| Net interest margin | 1.2634% | 7,900 |
| Noninterest income to average assets | 1.7035% | 499 |
| Noninterest expense to average assets | 2.6980% | 5,406 |
| Loan and lease loss provision to assets | 4.5629% | 253 |
| Net operating income to assets | -4.3860% | 7,666 |
| Return on assets (ROA) | -4.5966% | 7,686 |
| Pretax return on assets | -4.5966% | 7,652 |
| Return on Equity (ROE) | -54.9864% | 7,724 |
| Retained earnings to average equity (ytd only) | -54.9864% | 7,719 |
| Net charge-offs to loans | 4.3889% | 341 |
| Credit loss provision to net charge-offs | 122.8579% | 4,304 |
| Earnings coverage of net charge-offs (x) | 0.0476% | 6,131 |
| Efficiency ratio | 93.8467% | 1,423 |
| Assets per employee ($millions) | 6.1301% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2543% | 632 |
| Loan loss allowance to noncurrent loans | 17.1941% | 7,179 |
| Noncurrent assets plus other real estate owned to assets | 22.2360% | 38 |
| Noncurrent loans to loans | 18.9267% | 83 |
| Net loans and leases to total assets | 82.0735% | 673 |
| Net loans and leases to deposits | 86.9411% | 2,746 |
| Net loans and leases to core deposits | 158.2409% | 361 |
| Total domestic deposits to total assets | 94.4013% | 65 |
| Equity capital to assets | 5.1160% | 7,780 |
| Core capital (leverage) ratio | 5.2201% | 7,740 |
| Tier 1 risk-based capital ratio | 5.8135% | 7,826 |
| Total risk-based capital ratio | 7.0920% | 7,830 |
| Memoranda: | ||
| Average total assets | $213,680,600 | 3,025 |
| Average earning assets | $198,121,400 | 2,996 |
| Average equity | $17,862,600 | 3,522 |
| Average total loans | $180,820,200 | 2,503 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1644% | 7,741 |
| Cost of funding earning assets | 3.0280% | 304 |
| Net interest margin | 1.1365% | 7,999 |
| Noninterest income to average assets | 2.7392% | 241 |
| Noninterest expense to average assets | 2.6233% | 5,627 |
| Loan and lease loss provision to assets | 1.9640% | 927 |
| Net operating income to assets | -0.7895% | 6,682 |
| Return on assets (ROA) | -1.0685% | 6,882 |
| Pretax return on assets | -1.0685% | 6,734 |
| Return on Equity (ROE) | -11.6836% | 6,999 |
| Retained earnings to average equity (ytd only) | -11.6836% | 6,928 |
| Net charge-offs to loans | 2.5556% | 716 |
| Credit loss provision to net charge-offs | 90.8752% | 5,458 |
| Earnings coverage of net charge-offs (x) | 0.5435% | 5,489 |
| Efficiency ratio | 69.0725% | 4,770 |
| Assets per employee ($millions) | 5.9674% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9992% | 1,805 |
| Loan loss allowance to noncurrent loans | 10.0835% | 7,456 |
| Noncurrent assets plus other real estate owned to assets | 21.4414% | 39 |
| Noncurrent loans to loans | 19.8264% | 64 |
| Net loans and leases to total assets | 80.4155% | 1,105 |
| Net loans and leases to deposits | 88.4130% | 2,886 |
| Net loans and leases to core deposits | 128.7880% | 1,516 |
| Total domestic deposits to total assets | 90.9544% | 437 |
| Equity capital to assets | 8.4980% | 6,259 |
| Core capital (leverage) ratio | 8.3288% | 5,787 |
| Tier 1 risk-based capital ratio | 9.8492% | 7,098 |
| Total risk-based capital ratio | 11.1070% | 7,054 |
| Memoranda: | ||
| Average total assets | $214,995,000 | 3,025 |
| Average earning assets | $200,261,750 | 2,980 |
| Average equity | $19,662,500 | 3,292 |
| Average total loans | $181,821,750 | 2,518 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1233% | 7,864 |
| Cost of funding earning assets | 3.1048% | 345 |
| Net interest margin | 1.0185% | 8,099 |
| Noninterest income to average assets | 3.1925% | 199 |
| Noninterest expense to average assets | 2.4406% | 6,331 |
| Loan and lease loss provision to assets | 2.3627% | 674 |
| Net operating income to assets | -0.6608% | 6,717 |
| Return on assets (ROA) | -1.0832% | 7,039 |
| Pretax return on assets | -1.0832% | 6,873 |
| Return on Equity (ROE) | -11.5618% | 7,144 |
| Retained earnings to average equity (ytd only) | -11.5618% | 7,018 |
| Net charge-offs to loans | 3.4037% | 463 |
| Credit loss provision to net charge-offs | 81.2460% | 5,157 |
| Earnings coverage of net charge-offs (x) | 0.5852% | 5,128 |
| Efficiency ratio | 58.9168% | 6,707 |
| Assets per employee ($millions) | 5.9249% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 2,085 |
| Loan loss allowance to noncurrent loans | 9.4708% | 7,503 |
| Noncurrent assets plus other real estate owned to assets | 18.8659% | 49 |
| Noncurrent loans to loans | 18.8622% | 65 |
| Net loans and leases to total assets | 82.0233% | 954 |
| Net loans and leases to deposits | 90.2623% | 2,794 |
| Net loans and leases to core deposits | 116.0568% | 2,704 |
| Total domestic deposits to total assets | 90.8722% | 502 |
| Equity capital to assets | 8.5859% | 5,920 |
| Core capital (leverage) ratio | 8.8255% | 4,901 |
| Tier 1 risk-based capital ratio | 9.9521% | 6,985 |
| Total risk-based capital ratio | 11.2109% | 6,900 |
| Memoranda: | ||
| Average total assets | $213,062,670 | 3,073 |
| Average earning assets | $198,724,670 | 3,018 |
| Average equity | $19,962,330 | 3,248 |
| Average total loans | $182,038,000 | 2,545 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2062% | 7,901 |
| Cost of funding earning assets | 3.1802% | 364 |
| Net interest margin | 1.0259% | 8,161 |
| Noninterest income to average assets | 0.5333% | 4,037 |
| Noninterest expense to average assets | 2.3032% | 6,529 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.8019% | 7,128 |
| Return on assets (ROA) | -0.8019% | 7,162 |
| Pretax return on assets | -0.8019% | 7,036 |
| Return on Equity (ROE) | -8.1862% | 7,249 |
| Retained earnings to average equity (ytd only) | -8.1862% | 6,932 |
| Net charge-offs to loans | 0.0067% | 5,593 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -138.3333% | 5,716 |
| Efficiency ratio | 153.4106% | 335 |
| Assets per employee ($millions) | 5.5731% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1452% | 1,155 |
| Loan loss allowance to noncurrent loans | 16.0216% | 7,358 |
| Noncurrent assets plus other real estate owned to assets | 14.2721% | 91 |
| Noncurrent loans to loans | 13.3895% | 135 |
| Net loans and leases to total assets | 84.8005% | 578 |
| Net loans and leases to deposits | 94.3427% | 2,214 |
| Net loans and leases to core deposits | 111.0419% | 3,305 |
| Total domestic deposits to total assets | 89.8856% | 849 |
| Equity capital to assets | 9.4774% | 4,700 |
| Core capital (leverage) ratio | 9.8596% | 3,575 |
| Tier 1 risk-based capital ratio | 10.6794% | 6,209 |
| Total risk-based capital ratio | 11.9446% | 6,101 |
| Memoranda: | ||
| Average total assets | $207,020,500 | 3,157 |
| Average earning assets | $195,332,500 | 3,080 |
| Average equity | $20,278,000 | 3,224 |
| Average total loans | $179,041,000 | 2,606 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0821% | 5,135 |
| Cost of funding earning assets | 3.3693% | 763 |
| Net interest margin | 2.7128% | 7,477 |
| Noninterest income to average assets | 2.4621% | 257 |
| Noninterest expense to average assets | 4.0170% | 1,394 |
| Loan and lease loss provision to assets | 3.4086% | 244 |
| Net operating income to assets | -2.3349% | 7,663 |
| Return on assets (ROA) | -2.3349% | 7,629 |
| Pretax return on assets | -2.3349% | 7,541 |
| Return on Equity (ROE) | -14.3664% | 7,557 |
| Retained earnings to average equity (ytd only) | -15.8767% | 7,516 |
| Net charge-offs to loans | 1.5929% | 716 |
| Credit loss provision to net charge-offs | 235.8852% | 2,008 |
| Earnings coverage of net charge-offs (x) | 0.7431% | 5,779 |
| Efficiency ratio | 78.9081% | 2,768 |
| Assets per employee ($millions) | 5.3227% | 1,621 |
| Cash dividends to net income (ytd only)* | -10.5123% | 7,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2571% | 897 |
| Loan loss allowance to noncurrent loans | 36.2199% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 7.1674% | 353 |
| Noncurrent loans to loans | 6.2318% | 538 |
| Net loans and leases to total assets | 84.3536% | 830 |
| Net loans and leases to deposits | 94.6411% | 2,671 |
| Net loans and leases to core deposits | 107.4807% | 4,024 |
| Total domestic deposits to total assets | 89.1300% | 993 |
| Equity capital to assets | 10.1279% | 3,888 |
| Core capital (leverage) ratio | 10.7780% | 2,761 |
| Tier 1 risk-based capital ratio | 11.1039% | 5,639 |
| Total risk-based capital ratio | 12.3702% | 5,507 |
| Memoranda: | ||
| Average total assets | $144,633,600 | 3,999 |
| Average earning assets | $140,148,800 | 3,846 |
| Average equity | $23,506,200 | 2,788 |
| Average total loans | $131,210,200 | 3,248 |