Home > Jefferson Bank > Performance and Condition Ratios
Jefferson 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 | 3.8657% | 6,848 |
| Cost of funding earning assets | 2.1727% | 77 |
| Net interest margin | 1.6930% | 7,426 |
| Noninterest income to average assets | -1.2031% | 7,489 |
| Noninterest expense to average assets | 3.2912% | 2,597 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -2.9858% | 7,308 |
| Return on assets (ROA) | -2.9692% | 7,312 |
| Pretax return on assets | -2.9692% | 7,306 |
| Return on Equity (ROE) | -57.3070% | 7,363 |
| Retained earnings to average equity (ytd only) | -57.3070% | 7,360 |
| Net charge-offs to loans | 2.4700% | 485 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -2.5103% | 5,735 |
| Efficiency ratio | 1,077.6358% | 7 |
| Assets per employee ($millions) | 5.8570% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5367% | 1,386 |
| Loan loss allowance to noncurrent loans | 78.3316% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 4.9303% | 1,245 |
| Noncurrent loans to loans | 3.2384% | 2,202 |
| Net loans and leases to total assets | 42.4145% | 6,566 |
| Net loans and leases to deposits | 56.2148% | 6,115 |
| Net loans and leases to core deposits | 61.1681% | 5,980 |
| Total domestic deposits to total assets | 75.4507% | 6,681 |
| Equity capital to assets | 4.6577% | 7,341 |
| Core capital (leverage) ratio | 4.6518% | 7,328 |
| Tier 1 risk-based capital ratio | 9.2767% | 7,146 |
| Total risk-based capital ratio | 10.5385% | 7,138 |
| Memoranda: | ||
| Average total assets | $204,971,330 | 3,037 |
| Average earning assets | $182,633,330 | 3,091 |
| Average equity | $10,620,000 | 4,892 |
| Average total loans | $98,702,670 | 3,722 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 6,605 |
| Cost of funding earning assets | 2.1958% | 90 |
| Net interest margin | 1.8529% | 7,444 |
| Noninterest income to average assets | -1.6706% | 7,553 |
| Noninterest expense to average assets | 3.4661% | 2,099 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -3.4914% | 7,427 |
| Return on assets (ROA) | -3.4914% | 7,430 |
| Pretax return on assets | -3.4914% | 7,414 |
| Return on Equity (ROE) | -64.1449% | 7,453 |
| Retained earnings to average equity (ytd only) | -64.1449% | 7,444 |
| Net charge-offs to loans | 3.9092% | 234 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.7695% | 4,950 |
| Efficiency ratio | -13,661.5385% | 7,574 |
| Assets per employee ($millions) | 5.2563% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4764% | 1,493 |
| Loan loss allowance to noncurrent loans | 84.9433% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 5.6918% | 1,044 |
| Noncurrent loans to loans | 2.9154% | 2,579 |
| Net loans and leases to total assets | 47.4692% | 6,139 |
| Net loans and leases to deposits | 63.2750% | 5,351 |
| Net loans and leases to core deposits | 69.2588% | 5,137 |
| Total domestic deposits to total assets | 75.0205% | 6,788 |
| Equity capital to assets | 5.0601% | 7,374 |
| Core capital (leverage) ratio | 5.2497% | 7,333 |
| Tier 1 risk-based capital ratio | 9.3688% | 7,176 |
| Total risk-based capital ratio | 10.6296% | 7,173 |
| Memoranda: | ||
| Average total assets | $204,959,000 | 3,052 |
| Average earning assets | $181,981,000 | 3,117 |
| Average equity | $11,156,000 | 4,754 |
| Average total loans | $103,448,500 | 3,632 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6914% | 5,831 |
| Cost of funding earning assets | 2.2206% | 289 |
| Net interest margin | 2.4707% | 7,286 |
| Noninterest income to average assets | -0.3118% | 7,511 |
| Noninterest expense to average assets | 3.3322% | 2,632 |
| Loan and lease loss provision to assets | 0.3126% | 4,303 |
| Net operating income to assets | -1.7316% | 6,978 |
| Return on assets (ROA) | -0.9253% | 6,670 |
| Pretax return on assets | -0.9253% | 6,585 |
| Return on Equity (ROE) | -17.1583% | 6,978 |
| Retained earnings to average equity (ytd only) | -17.1583% | 6,945 |
| Net charge-offs to loans | 3.2396% | 482 |
| Credit loss provision to net charge-offs | 16.8494% | 6,581 |
| Earnings coverage of net charge-offs (x) | -0.7649% | 6,540 |
| Efficiency ratio | 174.1732% | 131 |
| Assets per employee ($millions) | 4.7656% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2507% | 707 |
| Loan loss allowance to noncurrent loans | 77.6712% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 7.8962% | 635 |
| Noncurrent loans to loans | 4.1852% | 1,728 |
| Net loans and leases to total assets | 50.5724% | 6,104 |
| Net loans and leases to deposits | 68.0902% | 5,091 |
| Net loans and leases to core deposits | 75.9518% | 4,721 |
| Total domestic deposits to total assets | 74.2727% | 6,854 |
| Equity capital to assets | 5.8261% | 7,366 |
| Core capital (leverage) ratio | 5.5300% | 7,361 |
| Tier 1 risk-based capital ratio | 9.9659% | 6,996 |
| Total risk-based capital ratio | 11.2342% | 6,973 |
| Memoranda: | ||
| Average total assets | $265,530,600 | 2,395 |
| Average earning assets | $239,119,200 | 2,435 |
| Average equity | $14,319,600 | 4,066 |
| Average total loans | $152,057,600 | 2,738 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8817% | 5,350 |
| Cost of funding earning assets | 2.2109% | 373 |
| Net interest margin | 2.6708% | 7,262 |
| Noninterest income to average assets | -0.2100% | 7,600 |
| Noninterest expense to average assets | 3.3327% | 2,473 |
| Loan and lease loss provision to assets | 0.3230% | 4,005 |
| Net operating income to assets | -1.4517% | 7,096 |
| Return on assets (ROA) | -0.5078% | 6,644 |
| Pretax return on assets | -0.5078% | 6,561 |
| Return on Equity (ROE) | -9.5563% | 6,909 |
| Retained earnings to average equity (ytd only) | -9.5563% | 6,854 |
| Net charge-offs to loans | 3.2619% | 440 |
| Credit loss provision to net charge-offs | 17.0213% | 6,275 |
| Earnings coverage of net charge-offs (x) | -0.5947% | 6,360 |
| Efficiency ratio | 151.2069% | 202 |
| Assets per employee ($millions) | 6.0078% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5388% | 524 |
| Loan loss allowance to noncurrent loans | 66.6302% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 8.0122% | 628 |
| Noncurrent loans to loans | 5.3111% | 1,273 |
| Net loans and leases to total assets | 49.5943% | 6,363 |
| Net loans and leases to deposits | 72.8612% | 4,715 |
| Net loans and leases to core deposits | 91.9407% | 2,808 |
| Total domestic deposits to total assets | 68.0668% | 7,373 |
| Equity capital to assets | 5.8467% | 7,507 |
| Core capital (leverage) ratio | 5.4272% | 7,505 |
| Tier 1 risk-based capital ratio | 9.9143% | 7,106 |
| Total risk-based capital ratio | 11.1863% | 7,088 |
| Memoranda: | ||
| Average total assets | $280,682,750 | 2,311 |
| Average earning assets | $253,701,750 | 2,341 |
| Average equity | $14,914,750 | 4,006 |
| Average total loans | $163,293,000 | 2,614 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9375% | 5,239 |
| Cost of funding earning assets | 2.2217% | 433 |
| Net interest margin | 2.7158% | 7,241 |
| Noninterest income to average assets | -0.0128% | 7,555 |
| Noninterest expense to average assets | 3.2721% | 2,653 |
| Loan and lease loss provision to assets | 0.3579% | 3,565 |
| Net operating income to assets | -1.1819% | 7,021 |
| Return on assets (ROA) | -0.8807% | 6,912 |
| Pretax return on assets | -0.8807% | 6,832 |
| Return on Equity (ROE) | -17.0235% | 7,202 |
| Retained earnings to average equity (ytd only) | -17.0235% | 7,169 |
| Net charge-offs to loans | 3.9342% | 333 |
| Credit loss provision to net charge-offs | 15.1732% | 5,894 |
| Earnings coverage of net charge-offs (x) | -0.3493% | 5,950 |
| Efficiency ratio | 133.6552% | 290 |
| Assets per employee ($millions) | 6.0009% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0464% | 788 |
| Loan loss allowance to noncurrent loans | 42.9502% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 9.6138% | 438 |
| Noncurrent loans to loans | 7.0928% | 795 |
| Net loans and leases to total assets | 53.2080% | 6,090 |
| Net loans and leases to deposits | 78.6792% | 3,855 |
| Net loans and leases to core deposits | 105.3245% | 1,508 |
| Total domestic deposits to total assets | 67.6265% | 7,443 |
| Equity capital to assets | 5.5104% | 7,594 |
| Core capital (leverage) ratio | 4.7806% | 7,626 |
| Tier 1 risk-based capital ratio | 8.1777% | 7,512 |
| Total risk-based capital ratio | 9.4463% | 7,521 |
| Memoranda: | ||
| Average total assets | $296,142,000 | 2,220 |
| Average earning assets | $268,352,000 | 2,243 |
| Average equity | $15,320,000 | 3,934 |
| Average total loans | $177,569,000 | 2,446 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9464% | 5,246 |
| Cost of funding earning assets | 2.2885% | 449 |
| Net interest margin | 2.6580% | 7,336 |
| Noninterest income to average assets | 0.1777% | 6,688 |
| Noninterest expense to average assets | 3.4527% | 2,100 |
| Loan and lease loss provision to assets | 0.2613% | 3,949 |
| Net operating income to assets | -1.1117% | 7,172 |
| Return on assets (ROA) | -1.1078% | 7,185 |
| Pretax return on assets | -1.1078% | 7,103 |
| Return on Equity (ROE) | -22.0625% | 7,467 |
| Retained earnings to average equity (ytd only) | -22.0625% | 7,415 |
| Net charge-offs to loans | 4.4300% | 291 |
| Credit loss provision to net charge-offs | 9.4742% | 5,050 |
| Earnings coverage of net charge-offs (x) | -0.3084% | 5,212 |
| Efficiency ratio | 132.6807% | 313 |
| Assets per employee ($millions) | 5.9150% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2785% | 650 |
| Loan loss allowance to noncurrent loans | 27.6831% | 6,552 |
| Noncurrent assets plus other real estate owned to assets | 11.9699% | 259 |
| Noncurrent loans to loans | 11.8429% | 298 |
| Net loans and leases to total assets | 56.5300% | 5,672 |
| Net loans and leases to deposits | 81.2646% | 3,412 |
| Net loans and leases to core deposits | 125.0883% | 610 |
| Total domestic deposits to total assets | 69.5629% | 7,434 |
| Equity capital to assets | 5.1425% | 7,710 |
| Core capital (leverage) ratio | 4.5629% | 7,739 |
| Tier 1 risk-based capital ratio | 7.5905% | 7,651 |
| Total risk-based capital ratio | 8.8624% | 7,658 |
| Memoranda: | ||
| Average total assets | $306,192,500 | 2,216 |
| Average earning assets | $279,312,000 | 2,211 |
| Average equity | $15,374,500 | 3,948 |
| Average total loans | $190,608,000 | 2,365 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3235% | 5,070 |
| Cost of funding earning assets | 2.4489% | 1,161 |
| Net interest margin | 2.8746% | 6,908 |
| Noninterest income to average assets | -0.2004% | 7,856 |
| Noninterest expense to average assets | 3.2179% | 3,320 |
| Loan and lease loss provision to assets | 3.4703% | 450 |
| Net operating income to assets | -4.2089% | 7,640 |
| Return on assets (ROA) | -3.7394% | 7,565 |
| Pretax return on assets | -3.7394% | 7,472 |
| Return on Equity (ROE) | -65.0228% | 7,779 |
| Retained earnings to average equity (ytd only) | -66.0725% | 7,781 |
| Net charge-offs to loans | 3.8443% | 444 |
| Credit loss provision to net charge-offs | 131.0363% | 3,872 |
| Earnings coverage of net charge-offs (x) | -0.2789% | 6,523 |
| Efficiency ratio | 129.2639% | 484 |
| Assets per employee ($millions) | 5.9742% | 1,263 |
| Cash dividends to net income (ytd only)* | -1.6143% | 7,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6370% | 474 |
| Loan loss allowance to noncurrent loans | 56.8279% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 7.9871% | 565 |
| Noncurrent loans to loans | 6.4000% | 951 |
| Net loans and leases to total assets | 63.4117% | 4,723 |
| Net loans and leases to deposits | 88.7925% | 2,425 |
| Net loans and leases to core deposits | 128.5645% | 1,360 |
| Total domestic deposits to total assets | 71.4156% | 7,295 |
| Equity capital to assets | 4.9079% | 7,799 |
| Core capital (leverage) ratio | 4.4890% | 7,811 |
| Tier 1 risk-based capital ratio | 7.0397% | 7,741 |
| Total risk-based capital ratio | 8.3181% | 7,743 |
| Memoranda: | ||
| Average total assets | $357,812,800 | 1,897 |
| Average earning assets | $333,542,000 | 1,862 |
| Average equity | $20,577,400 | 3,128 |
| Average total loans | $246,497,200 | 1,912 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3076% | 5,385 |
| Cost of funding earning assets | 2.4883% | 1,341 |
| Net interest margin | 2.8193% | 7,024 |
| Noninterest income to average assets | -0.2166% | 7,984 |
| Noninterest expense to average assets | 3.1722% | 3,394 |
| Loan and lease loss provision to assets | 3.0070% | 488 |
| Net operating income to assets | -3.7615% | 7,721 |
| Return on assets (ROA) | -3.1530% | 7,629 |
| Pretax return on assets | -3.1530% | 7,542 |
| Return on Equity (ROE) | -53.1507% | 7,855 |
| Retained earnings to average equity (ytd only) | -54.4695% | 7,859 |
| Net charge-offs to loans | 4.6290% | 266 |
| Credit loss provision to net charge-offs | 93.3963% | 5,396 |
| Earnings coverage of net charge-offs (x) | -0.2343% | 6,313 |
| Efficiency ratio | 131.2060% | 461 |
| Assets per employee ($millions) | 6.6522% | 920 |
| Cash dividends to net income (ytd only)* | -2.4813% | 7,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7774% | 2,355 |
| Loan loss allowance to noncurrent loans | 37.1219% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 6.4695% | 777 |
| Noncurrent loans to loans | 4.7880% | 1,420 |
| Net loans and leases to total assets | 64.7007% | 4,711 |
| Net loans and leases to deposits | 90.8615% | 2,420 |
| Net loans and leases to core deposits | 131.5910% | 1,343 |
| Total domestic deposits to total assets | 71.2080% | 7,313 |
| Equity capital to assets | 5.9170% | 7,871 |
| Core capital (leverage) ratio | 5.5757% | 7,860 |
| Tier 1 risk-based capital ratio | 8.3159% | 7,751 |
| Total risk-based capital ratio | 9.5716% | 7,775 |
| Memoranda: | ||
| Average total assets | $368,107,500 | 1,860 |
| Average earning assets | $343,948,000 | 1,831 |
| Average equity | $21,836,750 | 2,993 |
| Average total loans | $256,031,250 | 1,879 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3245% | 5,532 |
| Cost of funding earning assets | 2.5574% | 1,420 |
| Net interest margin | 2.7671% | 7,074 |
| Noninterest income to average assets | -0.2674% | 8,088 |
| Noninterest expense to average assets | 3.1920% | 3,361 |
| Loan and lease loss provision to assets | 3.7826% | 348 |
| Net operating income to assets | -4.6492% | 7,909 |
| Return on assets (ROA) | -4.0314% | 7,832 |
| Pretax return on assets | -4.0314% | 7,754 |
| Return on Equity (ROE) | -67.9047% | 8,014 |
| Retained earnings to average equity (ytd only) | -69.8426% | 8,013 |
| Net charge-offs to loans | 5.6770% | 203 |
| Credit loss provision to net charge-offs | 94.2660% | 4,793 |
| Earnings coverage of net charge-offs (x) | -0.2160% | 5,897 |
| Efficiency ratio | 137.2652% | 458 |
| Assets per employee ($millions) | 6.0358% | 1,194 |
| Cash dividends to net income (ytd only)* | -2.8537% | 7,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6396% | 2,569 |
| Loan loss allowance to noncurrent loans | 33.0738% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 6.0082% | 807 |
| Noncurrent loans to loans | 4.9574% | 1,246 |
| Net loans and leases to total assets | 70.8364% | 3,505 |
| Net loans and leases to deposits | 100.0492% | 1,286 |
| Net loans and leases to core deposits | 145.7041% | 775 |
| Total domestic deposits to total assets | 70.8016% | 7,390 |
| Equity capital to assets | 5.0576% | 8,033 |
| Core capital (leverage) ratio | 4.6746% | 8,044 |
| Tier 1 risk-based capital ratio | 6.6169% | 8,029 |
| Total risk-based capital ratio | 7.8707% | 8,037 |
| Memoranda: | ||
| Average total assets | $375,504,670 | 1,858 |
| Average earning assets | $351,847,000 | 1,811 |
| Average equity | $22,293,000 | 2,938 |
| Average total loans | $265,421,670 | 1,858 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4857% | 4,984 |
| Cost of funding earning assets | 2.6350% | 1,468 |
| Net interest margin | 2.8507% | 6,873 |
| Noninterest income to average assets | -0.0945% | 8,138 |
| Noninterest expense to average assets | 3.1049% | 3,356 |
| Loan and lease loss provision to assets | 3.4289% | 305 |
| Net operating income to assets | -3.9512% | 7,973 |
| Return on assets (ROA) | -3.0831% | 7,857 |
| Pretax return on assets | -3.0831% | 7,773 |
| Return on Equity (ROE) | -48.6044% | 8,040 |
| Retained earnings to average equity (ytd only) | -52.1405% | 8,038 |
| Net charge-offs to loans | 5.3753% | 186 |
| Credit loss provision to net charge-offs | 91.0394% | 3,980 |
| Earnings coverage of net charge-offs (x) | -0.1387% | 5,104 |
| Efficiency ratio | 120.2252% | 628 |
| Assets per employee ($millions) | 7.0497% | 755 |
| Cash dividends to net income (ytd only)* | -7.2752% | 8,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 2,382 |
| Loan loss allowance to noncurrent loans | 38.8854% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 4.9346% | 920 |
| Noncurrent loans to loans | 4.2055% | 1,411 |
| Net loans and leases to total assets | 66.8923% | 4,366 |
| Net loans and leases to deposits | 96.2733% | 1,903 |
| Net loans and leases to core deposits | 126.3260% | 1,896 |
| Total domestic deposits to total assets | 69.4817% | 7,475 |
| Equity capital to assets | 5.9551% | 8,004 |
| Core capital (leverage) ratio | 5.7364% | 8,047 |
| Tier 1 risk-based capital ratio | 8.0851% | 8,000 |
| Total risk-based capital ratio | 9.3388% | 8,030 |
| Memoranda: | ||
| Average total assets | $385,199,500 | 1,823 |
| Average earning assets | $361,741,000 | 1,783 |
| Average equity | $24,434,000 | 2,715 |
| Average total loans | $269,900,500 | 1,839 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2488% | 4,249 |
| Cost of funding earning assets | 2.9509% | 2,053 |
| Net interest margin | 3.2979% | 6,042 |
| Noninterest income to average assets | 0.0271% | 7,995 |
| Noninterest expense to average assets | 2.6518% | 5,437 |
| Loan and lease loss provision to assets | 1.4346% | 958 |
| Net operating income to assets | -0.9770% | 7,238 |
| Return on assets (ROA) | -0.9005% | 7,108 |
| Pretax return on assets | -0.9005% | 6,941 |
| Return on Equity (ROE) | -11.7177% | 7,409 |
| Retained earnings to average equity (ytd only) | -14.3555% | 7,418 |
| Net charge-offs to loans | 0.8783% | 1,415 |
| Credit loss provision to net charge-offs | 205.9519% | 2,356 |
| Earnings coverage of net charge-offs (x) | 0.6569% | 5,830 |
| Efficiency ratio | 85.2843% | 1,923 |
| Assets per employee ($millions) | 6.7134% | 805 |
| Cash dividends to net income (ytd only)* | -22.5118% | 7,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6793% | 1,970 |
| Loan loss allowance to noncurrent loans | 54.4441% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 4.1904% | 952 |
| Noncurrent loans to loans | 3.0845% | 1,731 |
| Net loans and leases to total assets | 70.9466% | 3,798 |
| Net loans and leases to deposits | 95.4394% | 2,542 |
| Net loans and leases to core deposits | 112.3751% | 3,523 |
| Total domestic deposits to total assets | 74.3368% | 6,592 |
| Equity capital to assets | 6.7365% | 7,863 |
| Core capital (leverage) ratio | 7.0789% | 7,633 |
| Tier 1 risk-based capital ratio | 8.8261% | 7,887 |
| Total risk-based capital ratio | 10.0805% | 7,935 |
| Memoranda: | ||
| Average total assets | $328,037,400 | 2,034 |
| Average earning assets | $306,585,200 | 1,993 |
| Average equity | $25,209,800 | 2,626 |
| Average total loans | $260,165,200 | 1,833 |