Home > LandMark Bank of Florida > Performance and Condition Ratios
LandMark Bank of Florida, 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 | 4.2325% | 6,212 |
| Cost of funding earning assets | 0.9458% | 4,352 |
| Net interest margin | 3.2867% | 5,897 |
| Noninterest income to average assets | 0.1990% | 6,245 |
| Noninterest expense to average assets | 4.4233% | 652 |
| Loan and lease loss provision to assets | 5.3472% | 39 |
| Net operating income to assets | -6.4867% | 7,471 |
| Return on assets (ROA) | -6.4715% | 7,474 |
| Pretax return on assets | -6.4715% | 7,472 |
| Return on Equity (ROE) | -596.0016% | 7,510 |
| Retained earnings to average equity (ytd only) | -596.0016% | 7,510 |
| Net charge-offs to loans | 4.9037% | 136 |
| Credit loss provision to net charge-offs | 127.8056% | 2,393 |
| Earnings coverage of net charge-offs (x) | -0.2723% | 5,437 |
| Efficiency ratio | 134.6993% | 229 |
| Assets per employee ($millions) | 5.0280% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1405% | 173 |
| Loan loss allowance to noncurrent loans | 31.6009% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 17.9731% | 89 |
| Noncurrent loans to loans | 16.2669% | 109 |
| Net loans and leases to total assets | 80.2103% | 508 |
| Net loans and leases to deposits | 87.4710% | 1,581 |
| Net loans and leases to core deposits | 88.7358% | 2,533 |
| Total domestic deposits to total assets | 91.6993% | 299 |
| Equity capital to assets | -0.0645% | 7,508 |
| Core capital (leverage) ratio | -0.0837% | 7,509 |
| Tier 1 risk-based capital ratio | -0.0983% | 7,509 |
| Total risk-based capital ratio | -0.0983% | 7,509 |
| Memoranda: | ||
| Average total assets | $276,443,670 | 2,317 |
| Average earning assets | $259,467,330 | 2,258 |
| Average equity | $3,001,670 | 7,128 |
| Average total loans | $235,862,000 | 1,812 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3550% | 5,835 |
| Cost of funding earning assets | 0.9920% | 4,258 |
| Net interest margin | 3.3630% | 5,571 |
| Noninterest income to average assets | 0.1706% | 6,503 |
| Noninterest expense to average assets | 4.8596% | 411 |
| Loan and lease loss provision to assets | 9.6452% | 14 |
| Net operating income to assets | -11.1732% | 7,563 |
| Return on assets (ROA) | -11.1433% | 7,563 |
| Pretax return on assets | -11.1433% | 7,558 |
| Return on Equity (ROE) | -683.4477% | 7,567 |
| Retained earnings to average equity (ytd only) | -683.4477% | 7,567 |
| Net charge-offs to loans | 8.3706% | 52 |
| Credit loss provision to net charge-offs | 134.4828% | 2,062 |
| Earnings coverage of net charge-offs (x) | -0.2130% | 4,703 |
| Efficiency ratio | 145.8618% | 184 |
| Assets per employee ($millions) | 5.1883% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9822% | 195 |
| Loan loss allowance to noncurrent loans | 32.2506% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 17.2505% | 101 |
| Noncurrent loans to loans | 15.4484% | 138 |
| Net loans and leases to total assets | 81.2578% | 421 |
| Net loans and leases to deposits | 90.5907% | 1,176 |
| Net loans and leases to core deposits | 93.0632% | 2,000 |
| Total domestic deposits to total assets | 89.6977% | 1,358 |
| Equity capital to assets | 0.2462% | 7,565 |
| Core capital (leverage) ratio | 0.2648% | 7,564 |
| Tier 1 risk-based capital ratio | 0.3165% | 7,565 |
| Total risk-based capital ratio | 0.6331% | 7,565 |
| Memoranda: | ||
| Average total assets | $281,424,500 | 2,291 |
| Average earning assets | $264,526,000 | 2,238 |
| Average equity | $4,588,500 | 6,686 |
| Average total loans | $241,128,500 | 1,787 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 6,224 |
| Cost of funding earning assets | 1.4476% | 2,970 |
| Net interest margin | 3.1111% | 6,496 |
| Noninterest income to average assets | 0.3724% | 5,116 |
| Noninterest expense to average assets | 3.2437% | 2,942 |
| Loan and lease loss provision to assets | 2.0151% | 652 |
| Net operating income to assets | -2.2106% | 7,117 |
| Return on assets (ROA) | -2.1347% | 7,107 |
| Pretax return on assets | -1.9193% | 7,002 |
| Return on Equity (ROE) | -56.9435% | 7,464 |
| Retained earnings to average equity (ytd only) | -56.9435% | 7,462 |
| Net charge-offs to loans | 1.1812% | 1,887 |
| Credit loss provision to net charge-offs | 204.8550% | 1,515 |
| Earnings coverage of net charge-offs (x) | 0.0202% | 6,104 |
| Efficiency ratio | 99.3911% | 801 |
| Assets per employee ($millions) | 5.1406% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0376% | 387 |
| Loan loss allowance to noncurrent loans | 25.7152% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 17.0066% | 118 |
| Noncurrent loans to loans | 15.7013% | 138 |
| Net loans and leases to total assets | 82.3713% | 420 |
| Net loans and leases to deposits | 94.4205% | 1,017 |
| Net loans and leases to core deposits | 97.3895% | 1,856 |
| Total domestic deposits to total assets | 87.2387% | 2,704 |
| Equity capital to assets | 2.9527% | 7,566 |
| Core capital (leverage) ratio | 2.9529% | 7,560 |
| Tier 1 risk-based capital ratio | 3.4557% | 7,588 |
| Total risk-based capital ratio | 5.9280% | 7,543 |
| Memoranda: | ||
| Average total assets | $311,991,600 | 2,080 |
| Average earning assets | $289,932,600 | 2,047 |
| Average equity | $11,695,800 | 4,695 |
| Average total loans | $259,816,600 | 1,702 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7306% | 5,911 |
| Cost of funding earning assets | 1.5292% | 2,773 |
| Net interest margin | 3.2014% | 6,338 |
| Noninterest income to average assets | 0.2868% | 5,821 |
| Noninterest expense to average assets | 3.2399% | 2,781 |
| Loan and lease loss provision to assets | 2.5071% | 415 |
| Net operating income to assets | -2.5050% | 7,349 |
| Return on assets (ROA) | -2.4056% | 7,342 |
| Pretax return on assets | -2.3952% | 7,296 |
| Return on Equity (ROE) | -61.2296% | 7,606 |
| Retained earnings to average equity (ytd only) | -61.2296% | 7,605 |
| Net charge-offs to loans | 1.2907% | 1,584 |
| Credit loss provision to net charge-offs | 234.8782% | 1,441 |
| Earnings coverage of net charge-offs (x) | 0.0118% | 6,019 |
| Efficiency ratio | 99.6133% | 752 |
| Assets per employee ($millions) | 4.8271% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0050% | 367 |
| Loan loss allowance to noncurrent loans | 25.0043% | 6,645 |
| Noncurrent assets plus other real estate owned to assets | 16.0238% | 123 |
| Noncurrent loans to loans | 16.0171% | 142 |
| Net loans and leases to total assets | 81.6268% | 545 |
| Net loans and leases to deposits | 94.6040% | 1,139 |
| Net loans and leases to core deposits | 98.0580% | 2,037 |
| Total domestic deposits to total assets | 86.2827% | 2,929 |
| Equity capital to assets | 3.3337% | 7,677 |
| Core capital (leverage) ratio | 2.8947% | 7,686 |
| Tier 1 risk-based capital ratio | 3.6122% | 7,696 |
| Total risk-based capital ratio | 6.0932% | 7,652 |
| Memoranda: | ||
| Average total assets | $318,021,750 | 2,076 |
| Average earning assets | $294,615,500 | 2,043 |
| Average equity | $12,494,750 | 4,552 |
| Average total loans | $262,995,750 | 1,708 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7705% | 5,894 |
| Cost of funding earning assets | 1.6129% | 2,584 |
| Net interest margin | 3.1575% | 6,439 |
| Noninterest income to average assets | 0.2825% | 5,882 |
| Noninterest expense to average assets | 3.1918% | 2,929 |
| Loan and lease loss provision to assets | 3.6124% | 235 |
| Net operating income to assets | -3.6130% | 7,588 |
| Return on assets (ROA) | -3.4767% | 7,580 |
| Pretax return on assets | -3.4767% | 7,544 |
| Return on Equity (ROE) | -84.5508% | 7,710 |
| Retained earnings to average equity (ytd only) | -84.5508% | 7,708 |
| Net charge-offs to loans | 1.8440% | 1,009 |
| Credit loss provision to net charge-offs | 238.9637% | 1,610 |
| Earnings coverage of net charge-offs (x) | -0.0004% | 5,716 |
| Efficiency ratio | 100.0193% | 800 |
| Assets per employee ($millions) | 4.8390% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9046% | 396 |
| Loan loss allowance to noncurrent loans | 25.5448% | 6,641 |
| Noncurrent assets plus other real estate owned to assets | 14.7687% | 155 |
| Noncurrent loans to loans | 15.2851% | 161 |
| Net loans and leases to total assets | 79.5210% | 871 |
| Net loans and leases to deposits | 91.8476% | 1,556 |
| Net loans and leases to core deposits | 95.5773% | 2,498 |
| Total domestic deposits to total assets | 86.5793% | 2,773 |
| Equity capital to assets | 3.1049% | 7,748 |
| Core capital (leverage) ratio | 2.8177% | 7,749 |
| Tier 1 risk-based capital ratio | 3.4935% | 7,761 |
| Total risk-based capital ratio | 5.8868% | 7,723 |
| Memoranda: | ||
| Average total assets | $324,269,330 | 2,046 |
| Average earning assets | $298,713,000 | 2,033 |
| Average equity | $13,334,000 | 4,367 |
| Average total loans | $265,833,000 | 1,708 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6534% | 6,399 |
| Cost of funding earning assets | 1.6769% | 2,498 |
| Net interest margin | 2.9765% | 6,884 |
| Noninterest income to average assets | 0.2929% | 5,801 |
| Noninterest expense to average assets | 3.1610% | 3,008 |
| Loan and lease loss provision to assets | 0.5347% | 2,363 |
| Net operating income to assets | -0.6611% | 6,936 |
| Return on assets (ROA) | -0.5688% | 6,906 |
| Pretax return on assets | -0.5688% | 6,829 |
| Return on Equity (ROE) | -12.3826% | 7,232 |
| Retained earnings to average equity (ytd only) | -12.3826% | 7,093 |
| Net charge-offs to loans | 2.0014% | 856 |
| Credit loss provision to net charge-offs | 32.7381% | 4,770 |
| Earnings coverage of net charge-offs (x) | -0.0774% | 5,083 |
| Efficiency ratio | 104.1650% | 722 |
| Assets per employee ($millions) | 4.9804% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2104% | 1,728 |
| Loan loss allowance to noncurrent loans | 26.6870% | 6,617 |
| Noncurrent assets plus other real estate owned to assets | 8.3868% | 574 |
| Noncurrent loans to loans | 8.2826% | 638 |
| Net loans and leases to total assets | 78.7763% | 1,013 |
| Net loans and leases to deposits | 92.3152% | 1,571 |
| Net loans and leases to core deposits | 97.3682% | 2,412 |
| Total domestic deposits to total assets | 85.3341% | 3,493 |
| Equity capital to assets | 4.5375% | 7,758 |
| Core capital (leverage) ratio | 4.3936% | 7,749 |
| Tier 1 risk-based capital ratio | 5.2702% | 7,785 |
| Total risk-based capital ratio | 7.6134% | 7,734 |
| Memoranda: | ||
| Average total assets | $329,135,500 | 2,072 |
| Average earning assets | $303,176,000 | 2,062 |
| Average equity | $15,118,000 | 3,995 |
| Average total loans | $268,606,500 | 1,748 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1351% | 5,940 |
| Cost of funding earning assets | 2.3567% | 1,437 |
| Net interest margin | 2.7784% | 7,098 |
| Noninterest income to average assets | 0.2397% | 6,371 |
| Noninterest expense to average assets | 2.8956% | 4,543 |
| Loan and lease loss provision to assets | 3.2392% | 505 |
| Net operating income to assets | -3.0910% | 7,418 |
| Return on assets (ROA) | -2.8785% | 7,376 |
| Pretax return on assets | -3.0775% | 7,315 |
| Return on Equity (ROE) | -51.6198% | 7,698 |
| Retained earnings to average equity (ytd only) | -51.8495% | 7,690 |
| Net charge-offs to loans | 3.0813% | 674 |
| Credit loss provision to net charge-offs | 131.5491% | 3,843 |
| Earnings coverage of net charge-offs (x) | -0.0261% | 6,238 |
| Efficiency ratio | 102.2723% | 1,002 |
| Assets per employee ($millions) | 5.0702% | 2,125 |
| Cash dividends to net income (ytd only)* | -0.4450% | 7,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4808% | 1,255 |
| Loan loss allowance to noncurrent loans | 36.2456% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 7.5961% | 631 |
| Noncurrent loans to loans | 6.8443% | 843 |
| Net loans and leases to total assets | 80.6092% | 894 |
| Net loans and leases to deposits | 94.1986% | 1,571 |
| Net loans and leases to core deposits | 132.8097% | 1,123 |
| Total domestic deposits to total assets | 85.5736% | 3,242 |
| Equity capital to assets | 4.6489% | 7,812 |
| Core capital (leverage) ratio | 4.3676% | 7,819 |
| Tier 1 risk-based capital ratio | 5.3083% | 7,854 |
| Total risk-based capital ratio | 7.6366% | 7,799 |
| Memoranda: | ||
| Average total assets | $351,294,600 | 1,933 |
| Average earning assets | $327,665,000 | 1,897 |
| Average equity | $19,589,400 | 3,267 |
| Average total loans | $280,722,800 | 1,712 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2018% | 5,869 |
| Cost of funding earning assets | 2.4528% | 1,436 |
| Net interest margin | 2.7489% | 7,134 |
| Noninterest income to average assets | 0.2299% | 6,578 |
| Noninterest expense to average assets | 2.7658% | 5,033 |
| Loan and lease loss provision to assets | 4.2373% | 257 |
| Net operating income to assets | -3.9203% | 7,738 |
| Return on assets (ROA) | -3.6471% | 7,707 |
| Pretax return on assets | -3.9084% | 7,673 |
| Return on Equity (ROE) | -62.9842% | 7,906 |
| Retained earnings to average equity (ytd only) | -63.2683% | 7,905 |
| Net charge-offs to loans | 2.8509% | 612 |
| Credit loss provision to net charge-offs | 187.4814% | 2,430 |
| Earnings coverage of net charge-offs (x) | 0.0155% | 6,043 |
| Efficiency ratio | 98.7457% | 1,125 |
| Assets per employee ($millions) | 5.1925% | 1,901 |
| Cash dividends to net income (ytd only)* | -0.4509% | 7,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3173% | 496 |
| Loan loss allowance to noncurrent loans | 43.2852% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 7.6704% | 575 |
| Noncurrent loans to loans | 7.6637% | 661 |
| Net loans and leases to total assets | 79.2444% | 1,337 |
| Net loans and leases to deposits | 92.8148% | 2,096 |
| Net loans and leases to core deposits | 126.8879% | 1,662 |
| Total domestic deposits to total assets | 85.3791% | 3,039 |
| Equity capital to assets | 4.6707% | 7,971 |
| Core capital (leverage) ratio | 4.0742% | 7,980 |
| Tier 1 risk-based capital ratio | 4.9396% | 8,001 |
| Total risk-based capital ratio | 7.2497% | 7,957 |
| Memoranda: | ||
| Average total assets | $356,727,500 | 1,921 |
| Average earning assets | $333,647,750 | 1,881 |
| Average equity | $20,656,500 | 3,147 |
| Average total loans | $282,799,500 | 1,720 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2812% | 5,743 |
| Cost of funding earning assets | 2.5402% | 1,476 |
| Net interest margin | 2.7410% | 7,119 |
| Noninterest income to average assets | 0.2208% | 6,715 |
| Noninterest expense to average assets | 2.5313% | 6,014 |
| Loan and lease loss provision to assets | 6.1024% | 128 |
| Net operating income to assets | -5.4389% | 7,971 |
| Return on assets (ROA) | -5.1964% | 7,943 |
| Pretax return on assets | -5.5833% | 7,927 |
| Return on Equity (ROE) | -84.5705% | 8,050 |
| Retained earnings to average equity (ytd only) | -84.9668% | 8,048 |
| Net charge-offs to loans | 3.2396% | 493 |
| Credit loss provision to net charge-offs | 240.1873% | 1,940 |
| Earnings coverage of net charge-offs (x) | 0.1017% | 5,574 |
| Efficiency ratio | 90.7360% | 1,749 |
| Assets per employee ($millions) | 5.4110% | 1,658 |
| Cash dividends to net income (ytd only)* | -0.4686% | 7,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6939% | 323 |
| Loan loss allowance to noncurrent loans | 63.1144% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 5.4382% | 933 |
| Noncurrent loans to loans | 5.8526% | 951 |
| Net loans and leases to total assets | 76.3999% | 2,081 |
| Net loans and leases to deposits | 91.5415% | 2,561 |
| Net loans and leases to core deposits | 126.3209% | 1,837 |
| Total domestic deposits to total assets | 83.4593% | 4,033 |
| Equity capital to assets | 4.3808% | 8,080 |
| Core capital (leverage) ratio | 4.0278% | 8,094 |
| Tier 1 risk-based capital ratio | 5.0600% | 8,099 |
| Total risk-based capital ratio | 7.3797% | 8,060 |
| Memoranda: | ||
| Average total assets | $361,400,670 | 1,917 |
| Average earning assets | $338,708,330 | 1,871 |
| Average equity | $22,206,330 | 2,948 |
| Average total loans | $283,434,330 | 1,744 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3956% | 5,449 |
| Cost of funding earning assets | 2.6602% | 1,374 |
| Net interest margin | 2.7354% | 7,131 |
| Noninterest income to average assets | 0.2069% | 6,813 |
| Noninterest expense to average assets | 2.5318% | 5,728 |
| Loan and lease loss provision to assets | 1.6669% | 747 |
| Net operating income to assets | -0.8967% | 7,189 |
| Return on assets (ROA) | -0.7031% | 7,097 |
| Pretax return on assets | -1.1267% | 7,214 |
| Return on Equity (ROE) | -10.0286% | 7,368 |
| Retained earnings to average equity (ytd only) | -10.7349% | 7,180 |
| Net charge-offs to loans | 1.1937% | 1,165 |
| Credit loss provision to net charge-offs | 179.0780% | 2,426 |
| Earnings coverage of net charge-offs (x) | 0.2553% | 4,769 |
| Efficiency ratio | 91.4184% | 1,622 |
| Assets per employee ($millions) | 5.5261% | 1,533 |
| Cash dividends to net income (ytd only)* | -7.0423% | 8,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 2,405 |
| Loan loss allowance to noncurrent loans | 45.9238% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 3.1929% | 1,739 |
| Noncurrent loans to loans | 3.5475% | 1,785 |
| Net loans and leases to total assets | 77.7786% | 1,871 |
| Net loans and leases to deposits | 94.3771% | 2,213 |
| Net loans and leases to core deposits | 122.9510% | 2,170 |
| Total domestic deposits to total assets | 82.4126% | 4,404 |
| Equity capital to assets | 6.9417% | 7,707 |
| Core capital (leverage) ratio | 6.7229% | 7,790 |
| Tier 1 risk-based capital ratio | 8.2199% | 7,987 |
| Total risk-based capital ratio | 10.4728% | 7,647 |
| Memoranda: | ||
| Average total assets | $363,538,500 | 1,911 |
| Average earning assets | $340,572,500 | 1,872 |
| Average equity | $25,487,000 | 2,609 |
| Average total loans | $283,497,500 | 1,755 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2297% | 4,357 |
| Cost of funding earning assets | 3.2294% | 1,099 |
| Net interest margin | 3.0002% | 6,917 |
| Noninterest income to average assets | 0.2410% | 6,721 |
| Noninterest expense to average assets | 2.6545% | 5,428 |
| Loan and lease loss provision to assets | 0.9264% | 1,607 |
| Net operating income to assets | -0.2252% | 6,648 |
| Return on assets (ROA) | -0.2150% | 6,480 |
| Pretax return on assets | -0.5138% | 6,666 |
| Return on Equity (ROE) | -2.9784% | 6,619 |
| Retained earnings to average equity (ytd only) | -3.3221% | 6,184 |
| Net charge-offs to loans | 0.9755% | 1,268 |
| Credit loss provision to net charge-offs | 122.3479% | 4,392 |
| Earnings coverage of net charge-offs (x) | 0.5238% | 5,916 |
| Efficiency ratio | 87.0015% | 1,766 |
| Assets per employee ($millions) | 5.5747% | 1,402 |
| Cash dividends to net income (ytd only)* | -11.5385% | 7,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 2,944 |
| Loan loss allowance to noncurrent loans | 62.8059% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 2.2271% | 2,193 |
| Noncurrent loans to loans | 2.3024% | 2,404 |
| Net loans and leases to total assets | 75.7799% | 2,682 |
| Net loans and leases to deposits | 93.3139% | 2,898 |
| Net loans and leases to core deposits | 114.0029% | 3,340 |
| Total domestic deposits to total assets | 81.2096% | 4,553 |
| Equity capital to assets | 7.0803% | 7,696 |
| Core capital (leverage) ratio | 7.0303% | 7,670 |
| Tier 1 risk-based capital ratio | 8.5677% | 7,975 |
| Total risk-based capital ratio | 10.8435% | 7,105 |
| Memoranda: | ||
| Average total assets | $338,633,600 | 1,965 |
| Average earning assets | $317,175,600 | 1,921 |
| Average equity | $24,442,600 | 2,694 |
| Average total loans | $262,829,400 | 1,815 |