Home > Inez Deposit Bank, FSB > Performance and Condition Ratios
Inez Deposit Bank, FSB, 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 | 4.5394% | 5,219 |
| Cost of funding earning assets | 1.3185% | 1,835 |
| Net interest margin | 3.2209% | 6,096 |
| Noninterest income to average assets | 0.5340% | 3,605 |
| Noninterest expense to average assets | 3.2388% | 2,772 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0576% | 6,099 |
| Return on assets (ROA) | 0.0576% | 6,179 |
| Pretax return on assets | 0.0077% | 6,257 |
| Return on Equity (ROE) | 0.5363% | 6,185 |
| Retained earnings to average equity (ytd only) | 0.5363% | 5,641 |
| Net charge-offs to loans | 0.9122% | 1,707 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.0217% | 5,268 |
| Efficiency ratio | 99.7633% | 729 |
| Assets per employee ($millions) | 3.0934% | 5,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 5,404 |
| Loan loss allowance to noncurrent loans | 31.3376% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 1.7133% | 3,623 |
| Noncurrent loans to loans | 3.9354% | 1,760 |
| Net loans and leases to total assets | 39.8048% | 6,760 |
| Net loans and leases to deposits | 45.4999% | 6,856 |
| Net loans and leases to core deposits | 48.6240% | 6,828 |
| Total domestic deposits to total assets | 87.4833% | 2,479 |
| Equity capital to assets | 11.5064% | 2,494 |
| Core capital (leverage) ratio | 11.0316% | 2,221 |
| Tier 1 risk-based capital ratio | 24.6348% | 940 |
| Total risk-based capital ratio | 25.7543% | 933 |
| Memoranda: | ||
| Average total assets | $52,055,670 | 6,410 |
| Average earning assets | $43,838,000 | 6,515 |
| Average equity | $5,594,330 | 6,344 |
| Average total loans | $20,171,000 | 6,774 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4197% | 5,618 |
| Cost of funding earning assets | 1.3056% | 2,144 |
| Net interest margin | 3.1141% | 6,309 |
| Noninterest income to average assets | 0.5100% | 3,799 |
| Noninterest expense to average assets | 3.1423% | 3,101 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0750% | 6,158 |
| Return on assets (ROA) | 0.0750% | 6,216 |
| Pretax return on assets | 0.0150% | 6,333 |
| Return on Equity (ROE) | 0.7215% | 6,209 |
| Retained earnings to average equity (ytd only) | 0.7215% | 5,535 |
| Net charge-offs to loans | 1.5974% | 846 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.0247% | 4,565 |
| Efficiency ratio | 99.5249% | 765 |
| Assets per employee ($millions) | 3.5741% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 5,243 |
| Loan loss allowance to noncurrent loans | 35.5862% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 1.3063% | 4,357 |
| Noncurrent loans to loans | 3.5916% | 2,069 |
| Net loans and leases to total assets | 34.8477% | 7,056 |
| Net loans and leases to deposits | 38.9242% | 7,138 |
| Net loans and leases to core deposits | 41.1540% | 7,131 |
| Total domestic deposits to total assets | 89.5272% | 1,469 |
| Equity capital to assets | 9.7052% | 4,169 |
| Core capital (leverage) ratio | 9.4924% | 3,821 |
| Tier 1 risk-based capital ratio | 23.3738% | 1,043 |
| Total risk-based capital ratio | 24.4889% | 1,043 |
| Memoranda: | ||
| Average total assets | $53,336,500 | 6,401 |
| Average earning assets | $45,342,500 | 6,509 |
| Average equity | $5,544,000 | 6,381 |
| Average total loans | $20,283,000 | 6,824 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2655% | 3,296 |
| Cost of funding earning assets | 1.5792% | 2,195 |
| Net interest margin | 3.6864% | 4,409 |
| Noninterest income to average assets | 0.7087% | 2,793 |
| Noninterest expense to average assets | 3.4977% | 2,188 |
| Loan and lease loss provision to assets | 0.0625% | 6,516 |
| Net operating income to assets | 0.2272% | 5,190 |
| Return on assets (ROA) | 0.2272% | 5,341 |
| Pretax return on assets | 0.2335% | 5,401 |
| Return on Equity (ROE) | 1.9386% | 5,402 |
| Retained earnings to average equity (ytd only) | 1.9386% | 4,508 |
| Net charge-offs to loans | 0.0321% | 6,482 |
| Credit loss provision to net charge-offs | 428.5714% | 546 |
| Earnings coverage of net charge-offs (x) | 20.2857% | 1,013 |
| Efficiency ratio | 92.1978% | 1,170 |
| Assets per employee ($millions) | 3.0929% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6634% | 3,343 |
| Loan loss allowance to noncurrent loans | 58.5492% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.2145% | 4,600 |
| Noncurrent loans to loans | 2.8410% | 2,678 |
| Net loans and leases to total assets | 40.4975% | 6,936 |
| Net loans and leases to deposits | 46.0850% | 7,040 |
| Net loans and leases to core deposits | 48.6208% | 7,042 |
| Total domestic deposits to total assets | 87.8756% | 2,322 |
| Equity capital to assets | 11.1908% | 2,521 |
| Core capital (leverage) ratio | 10.9564% | 2,195 |
| Tier 1 risk-based capital ratio | 18.7948% | 1,768 |
| Total risk-based capital ratio | 19.9749% | 1,751 |
| Memoranda: | ||
| Average total assets | $47,974,000 | 6,604 |
| Average earning assets | $40,148,000 | 6,709 |
| Average equity | $5,622,600 | 6,481 |
| Average total loans | $21,773,600 | 6,837 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4251% | 2,763 |
| Cost of funding earning assets | 1.6279% | 2,232 |
| Net interest margin | 3.7972% | 3,983 |
| Noninterest income to average assets | 0.7339% | 2,612 |
| Noninterest expense to average assets | 3.6361% | 1,704 |
| Loan and lease loss provision to assets | 0.0840% | 6,199 |
| Net operating income to assets | 0.1821% | 5,561 |
| Return on assets (ROA) | 0.1821% | 5,727 |
| Pretax return on assets | 0.1569% | 5,820 |
| Return on Equity (ROE) | 1.5355% | 5,758 |
| Retained earnings to average equity (ytd only) | 1.5355% | 5,187 |
| Net charge-offs to loans | 0.0060% | 6,581 |
| Credit loss provision to net charge-offs | 3,000.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 86.2105% | 357 |
| Efficiency ratio | 93.7861% | 1,012 |
| Assets per employee ($millions) | 2.9966% | 6,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 3,318 |
| Loan loss allowance to noncurrent loans | 87.3737% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.8718% | 5,354 |
| Noncurrent loans to loans | 1.8948% | 3,807 |
| Net loans and leases to total assets | 42.8670% | 6,918 |
| Net loans and leases to deposits | 49.3564% | 7,028 |
| Net loans and leases to core deposits | 51.8178% | 7,055 |
| Total domestic deposits to total assets | 86.8519% | 2,611 |
| Equity capital to assets | 11.9134% | 2,215 |
| Core capital (leverage) ratio | 11.2942% | 2,069 |
| Tier 1 risk-based capital ratio | 20.1142% | 1,524 |
| Total risk-based capital ratio | 20.7040% | 1,624 |
| Memoranda: | ||
| Average total assets | $47,595,750 | 6,694 |
| Average earning assets | $39,396,000 | 6,819 |
| Average equity | $5,643,750 | 6,555 |
| Average total loans | $22,122,000 | 6,906 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6222% | 2,058 |
| Cost of funding earning assets | 1.6748% | 2,262 |
| Net interest margin | 3.9474% | 3,249 |
| Noninterest income to average assets | 0.7077% | 2,662 |
| Noninterest expense to average assets | 3.6606% | 1,642 |
| Loan and lease loss provision to assets | 0.1264% | 5,620 |
| Net operating income to assets | 0.1727% | 5,656 |
| Return on assets (ROA) | 0.1727% | 5,783 |
| Pretax return on assets | 0.1474% | 5,891 |
| Return on Equity (ROE) | 1.4588% | 5,812 |
| Retained earnings to average equity (ytd only) | 1.4588% | 5,141 |
| Net charge-offs to loans | -0.0178% | 7,267 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0407% | 1,124 |
| Assets per employee ($millions) | 2.7509% | 6,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 3,379 |
| Loan loss allowance to noncurrent loans | 107.0769% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.7826% | 5,552 |
| Noncurrent loans to loans | 1.5093% | 4,445 |
| Net loans and leases to total assets | 45.3010% | 6,822 |
| Net loans and leases to deposits | 52.2519% | 6,962 |
| Net loans and leases to core deposits | 54.9218% | 6,997 |
| Total domestic deposits to total assets | 86.6973% | 2,706 |
| Equity capital to assets | 12.1587% | 2,006 |
| Core capital (leverage) ratio | 11.5301% | 1,903 |
| Tier 1 risk-based capital ratio | 22.4166% | 1,137 |
| Total risk-based capital ratio | 23.6699% | 1,114 |
| Memoranda: | ||
| Average total assets | $47,479,000 | 6,748 |
| Average earning assets | $38,810,670 | 6,895 |
| Average equity | $5,621,000 | 6,580 |
| Average total loans | $22,529,670 | 6,937 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6921% | 1,810 |
| Cost of funding earning assets | 1.7211% | 2,286 |
| Net interest margin | 3.9710% | 2,994 |
| Noninterest income to average assets | 0.6104% | 3,206 |
| Noninterest expense to average assets | 3.6960% | 1,528 |
| Loan and lease loss provision to assets | 0.1254% | 5,325 |
| Net operating income to assets | 0.0920% | 6,045 |
| Return on assets (ROA) | 0.0920% | 6,144 |
| Pretax return on assets | -0.0084% | 6,368 |
| Return on Equity (ROE) | 0.7873% | 6,180 |
| Retained earnings to average equity (ytd only) | 0.7873% | 5,505 |
| Net charge-offs to loans | -0.0174% | 7,035 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9298% | 975 |
| Assets per employee ($millions) | 2.9936% | 6,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 4,082 |
| Loan loss allowance to noncurrent loans | 106.4103% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.8184% | 5,517 |
| Noncurrent loans to loans | 1.3794% | 4,670 |
| Net loans and leases to total assets | 46.5290% | 6,791 |
| Net loans and leases to deposits | 53.3222% | 6,963 |
| Net loans and leases to core deposits | 55.9514% | 7,002 |
| Total domestic deposits to total assets | 87.2602% | 2,492 |
| Equity capital to assets | 11.6542% | 2,263 |
| Core capital (leverage) ratio | 11.1649% | 2,121 |
| Tier 1 risk-based capital ratio | 23.3439% | 1,026 |
| Total risk-based capital ratio | 24.5948% | 1,006 |
| Memoranda: | ||
| Average total assets | $47,836,000 | 6,814 |
| Average earning assets | $38,579,500 | 6,996 |
| Average equity | $5,588,500 | 6,648 |
| Average total loans | $23,028,000 | 6,989 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0874% | 1,555 |
| Cost of funding earning assets | 1.9155% | 3,381 |
| Net interest margin | 4.1718% | 2,168 |
| Noninterest income to average assets | 0.5957% | 3,664 |
| Noninterest expense to average assets | 3.8352% | 1,623 |
| Loan and lease loss provision to assets | 0.1272% | 6,369 |
| Net operating income to assets | 0.0530% | 5,328 |
| Return on assets (ROA) | 0.0530% | 5,385 |
| Pretax return on assets | -0.0700% | 5,557 |
| Return on Equity (ROE) | 0.4411% | 5,406 |
| Retained earnings to average equity (ytd only) | -4.8521% | 6,002 |
| Net charge-offs to loans | 0.1128% | 6,033 |
| Credit loss provision to net charge-offs | 222.2222% | 1,695 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 5,110 |
| Efficiency ratio | 98.5294% | 1,180 |
| Assets per employee ($millions) | 2.8103% | 6,642 |
| Cash dividends to net income (ytd only)* | 1,200.0000% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 4,515 |
| Loan loss allowance to noncurrent loans | 145.8333% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.7870% | 5,530 |
| Noncurrent loans to loans | 0.9216% | 5,468 |
| Net loans and leases to total assets | 48.3998% | 6,780 |
| Net loans and leases to deposits | 55.5281% | 6,947 |
| Net loans and leases to core deposits | 71.9581% | 6,661 |
| Total domestic deposits to total assets | 87.1627% | 2,410 |
| Equity capital to assets | 11.7111% | 2,181 |
| Core capital (leverage) ratio | 11.1792% | 2,121 |
| Tier 1 risk-based capital ratio | 23.2075% | 1,022 |
| Total risk-based capital ratio | 24.4581% | 1,002 |
| Memoranda: | ||
| Average total assets | $47,168,200 | 6,823 |
| Average earning assets | $37,274,000 | 7,044 |
| Average equity | $5,667,600 | 6,721 |
| Average total loans | $23,933,200 | 6,980 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2004% | 1,381 |
| Cost of funding earning assets | 1.9528% | 3,608 |
| Net interest margin | 4.2475% | 1,878 |
| Noninterest income to average assets | 0.6466% | 3,370 |
| Noninterest expense to average assets | 3.9418% | 1,368 |
| Loan and lease loss provision to assets | 0.1276% | 6,073 |
| Net operating income to assets | 0.0170% | 5,672 |
| Return on assets (ROA) | 0.0170% | 5,724 |
| Pretax return on assets | -0.1106% | 5,855 |
| Return on Equity (ROE) | 0.1407% | 5,733 |
| Retained earnings to average equity (ytd only) | -5.7218% | 6,355 |
| Net charge-offs to loans | 0.0111% | 6,782 |
| Credit loss provision to net charge-offs | 2,250.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 2.9963% | 3,736 |
| Efficiency ratio | 99.5702% | 1,080 |
| Assets per employee ($millions) | 2.6749% | 6,902 |
| Cash dividends to net income (ytd only)* | 4,166.6250% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 4,003 |
| Loan loss allowance to noncurrent loans | 195.2096% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 1.2628% | 4,542 |
| Noncurrent loans to loans | 0.7119% | 5,879 |
| Net loans and leases to total assets | 48.0435% | 6,949 |
| Net loans and leases to deposits | 55.9014% | 7,094 |
| Net loans and leases to core deposits | 71.8675% | 6,856 |
| Total domestic deposits to total assets | 85.9433% | 2,724 |
| Equity capital to assets | 11.7201% | 2,417 |
| Core capital (leverage) ratio | 11.1645% | 2,292 |
| Tier 1 risk-based capital ratio | 23.2206% | 1,080 |
| Total risk-based capital ratio | 24.4731% | 1,053 |
| Memoranda: | ||
| Average total assets | $47,016,500 | 6,874 |
| Average earning assets | $36,663,500 | 7,130 |
| Average equity | $5,685,750 | 6,785 |
| Average total loans | $24,057,000 | 7,025 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2241% | 1,394 |
| Cost of funding earning assets | 1.9416% | 4,054 |
| Net interest margin | 4.2825% | 1,694 |
| Noninterest income to average assets | 0.6389% | 3,424 |
| Noninterest expense to average assets | 4.0652% | 1,233 |
| Loan and lease loss provision to assets | 0.1286% | 5,814 |
| Net operating income to assets | -0.0429% | 5,913 |
| Return on assets (ROA) | -0.0429% | 5,979 |
| Pretax return on assets | -0.1973% | 6,120 |
| Return on Equity (ROE) | -0.3509% | 5,973 |
| Retained earnings to average equity (ytd only) | -9.1228% | 6,780 |
| Net charge-offs to loans | -0.0330% | 7,789 |
| Credit loss provision to net charge-offs | -750.0000% | 7,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7167% | 1,101 |
| Assets per employee ($millions) | 2.6676% | 6,907 |
| Cash dividends to net income (ytd only)* | -2,500.0000% | 8,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3334% | 4,079 |
| Loan loss allowance to noncurrent loans | 103.5948% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 1.5557% | 3,890 |
| Noncurrent loans to loans | 1.2872% | 4,625 |
| Net loans and leases to total assets | 48.8494% | 6,968 |
| Net loans and leases to deposits | 56.6693% | 7,115 |
| Net loans and leases to core deposits | 71.5864% | 6,930 |
| Total domestic deposits to total assets | 86.2007% | 2,678 |
| Equity capital to assets | 11.5980% | 2,471 |
| Core capital (leverage) ratio | 11.1391% | 2,303 |
| Tier 1 risk-based capital ratio | 22.1443% | 1,227 |
| Total risk-based capital ratio | 23.3968% | 1,203 |
| Memoranda: | ||
| Average total assets | $46,639,330 | 6,956 |
| Average earning assets | $36,567,330 | 7,195 |
| Average equity | $5,700,000 | 6,829 |
| Average total loans | $24,256,670 | 7,067 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0433% | 2,182 |
| Cost of funding earning assets | 1.8677% | 4,799 |
| Net interest margin | 4.1756% | 1,991 |
| Noninterest income to average assets | 0.6442% | 3,235 |
| Noninterest expense to average assets | 3.9347% | 1,262 |
| Loan and lease loss provision to assets | 0.1306% | 5,288 |
| Net operating income to assets | 0.0435% | 6,149 |
| Return on assets (ROA) | 0.0435% | 6,295 |
| Pretax return on assets | -0.0348% | 6,418 |
| Return on Equity (ROE) | 0.3469% | 6,323 |
| Retained earnings to average equity (ytd only) | -10.0598% | 7,119 |
| Net charge-offs to loans | -0.0327% | 7,578 |
| Credit loss provision to net charge-offs | -750.0000% | 6,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6242% | 1,231 |
| Assets per employee ($millions) | 2.6180% | 7,051 |
| Cash dividends to net income (ytd only)* | 3,000.0000% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 4,502 |
| Loan loss allowance to noncurrent loans | 49.3421% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 1.5831% | 3,552 |
| Noncurrent loans to loans | 2.5199% | 2,616 |
| Net loans and leases to total assets | 50.5645% | 6,807 |
| Net loans and leases to deposits | 59.0445% | 6,974 |
| Net loans and leases to core deposits | 73.0271% | 6,864 |
| Total domestic deposits to total assets | 85.6379% | 2,906 |
| Equity capital to assets | 12.1233% | 2,184 |
| Core capital (leverage) ratio | 11.6088% | 2,088 |
| Tier 1 risk-based capital ratio | 22.9521% | 1,201 |
| Total risk-based capital ratio | 24.2016% | 1,169 |
| Memoranda: | ||
| Average total assets | $45,950,500 | 7,028 |
| Average earning assets | $37,264,500 | 7,207 |
| Average equity | $5,765,500 | 6,855 |
| Average total loans | $24,498,500 | 7,100 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3757% | 3,544 |
| Cost of funding earning assets | 2.0853% | 6,112 |
| Net interest margin | 4.2904% | 2,013 |
| Noninterest income to average assets | 0.6512% | 3,468 |
| Noninterest expense to average assets | 3.8462% | 1,668 |
| Loan and lease loss provision to assets | 0.0908% | 6,247 |
| Net operating income to assets | 0.4742% | 4,853 |
| Return on assets (ROA) | 0.4742% | 4,671 |
| Pretax return on assets | 0.5332% | 4,898 |
| Return on Equity (ROE) | 3.6749% | 4,963 |
| Retained earnings to average equity (ytd only) | -0.7209% | 5,521 |
| Net charge-offs to loans | 0.2476% | 3,797 |
| Credit loss provision to net charge-offs | 67.7966% | 6,111 |
| Earnings coverage of net charge-offs (x) | 4.6610% | 3,906 |
| Efficiency ratio | 86.0406% | 1,847 |
| Assets per employee ($millions) | 2.3567% | 7,477 |
| Cash dividends to net income (ytd only)* | 119.6172% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 5,004 |
| Loan loss allowance to noncurrent loans | 37.6831% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 1.9139% | 2,561 |
| Noncurrent loans to loans | 3.0198% | 1,775 |
| Net loans and leases to total assets | 54.9077% | 6,557 |
| Net loans and leases to deposits | 64.8382% | 6,728 |
| Net loans and leases to core deposits | 79.9077% | 6,627 |
| Total domestic deposits to total assets | 84.6841% | 2,985 |
| Equity capital to assets | 12.9933% | 1,790 |
| Core capital (leverage) ratio | 12.5335% | 1,738 |
| Tier 1 risk-based capital ratio | 24.0128% | 1,088 |
| Total risk-based capital ratio | 25.2341% | 1,064 |
| Memoranda: | ||
| Average total assets | $44,070,000 | 7,024 |
| Average earning assets | $39,227,200 | 7,071 |
| Average equity | $5,687,200 | 6,918 |
| Average total loans | $23,824,600 | 7,083 |