Home > Legacy Banks > Performance and Condition Ratios
Legacy Banks, 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 | 4.5314% | 5,254 |
| Cost of funding earning assets | 1.4393% | 1,237 |
| Net interest margin | 3.0921% | 6,424 |
| Noninterest income to average assets | 0.8304% | 1,889 |
| Noninterest expense to average assets | 2.8247% | 4,330 |
| Loan and lease loss provision to assets | 0.0139% | 6,106 |
| Net operating income to assets | 0.4807% | 4,593 |
| Return on assets (ROA) | 0.4905% | 4,684 |
| Pretax return on assets | 0.7372% | 4,258 |
| Return on Equity (ROE) | 4.5849% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.5849% | 3,269 |
| Net charge-offs to loans | 0.1336% | 4,408 |
| Credit loss provision to net charge-offs | 15.3846% | 5,193 |
| Earnings coverage of net charge-offs (x) | 8.1563% | 2,106 |
| Efficiency ratio | 76.6453% | 2,913 |
| Assets per employee ($millions) | 5.4941% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 4,242 |
| Loan loss allowance to noncurrent loans | 73.0452% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.6010% | 3,798 |
| Noncurrent loans to loans | 2.0181% | 3,456 |
| Net loans and leases to total assets | 65.9135% | 3,049 |
| Net loans and leases to deposits | 87.6681% | 1,545 |
| Net loans and leases to core deposits | 94.4998% | 1,848 |
| Total domestic deposits to total assets | 75.1853% | 6,701 |
| Equity capital to assets | 11.6519% | 2,362 |
| Core capital (leverage) ratio | 8.9979% | 4,723 |
| Tier 1 risk-based capital ratio | 13.4328% | 4,582 |
| Total risk-based capital ratio | 14.6942% | 4,558 |
| Memoranda: | ||
| Average total assets | $892,621,330 | 748 |
| Average earning assets | $788,326,000 | 766 |
| Average equity | $95,487,330 | 718 |
| Average total loans | $603,418,000 | 712 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5002% | 5,337 |
| Cost of funding earning assets | 1.4437% | 1,418 |
| Net interest margin | 3.0564% | 6,448 |
| Noninterest income to average assets | 0.5430% | 3,563 |
| Noninterest expense to average assets | 2.6733% | 4,948 |
| Loan and lease loss provision to assets | 0.0182% | 5,715 |
| Net operating income to assets | 0.3567% | 5,142 |
| Return on assets (ROA) | 0.3642% | 5,186 |
| Pretax return on assets | 0.5586% | 4,836 |
| Return on Equity (ROE) | 3.5602% | 5,120 |
| Retained earnings to average equity (ytd only) | 3.5602% | 4,052 |
| Net charge-offs to loans | 0.2337% | 3,141 |
| Credit loss provision to net charge-offs | 11.4846% | 4,368 |
| Earnings coverage of net charge-offs (x) | 3.5602% | 2,706 |
| Efficiency ratio | 79.6210% | 2,598 |
| Assets per employee ($millions) | 5.4840% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 4,466 |
| Loan loss allowance to noncurrent loans | 70.2659% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.6487% | 3,774 |
| Noncurrent loans to loans | 2.0546% | 3,500 |
| Net loans and leases to total assets | 66.3975% | 2,902 |
| Net loans and leases to deposits | 87.5613% | 1,509 |
| Net loans and leases to core deposits | 94.8012% | 1,792 |
| Total domestic deposits to total assets | 75.8297% | 6,695 |
| Equity capital to assets | 10.3281% | 3,371 |
| Core capital (leverage) ratio | 7.7624% | 6,498 |
| Tier 1 risk-based capital ratio | 11.2916% | 6,262 |
| Total risk-based capital ratio | 12.5517% | 6,238 |
| Memoranda: | ||
| Average total assets | $899,404,500 | 745 |
| Average earning assets | $793,213,500 | 765 |
| Average equity | $92,017,500 | 736 |
| Average total loans | $611,084,500 | 706 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 4,795 |
| Cost of funding earning assets | 1.7978% | 1,181 |
| Net interest margin | 3.1505% | 6,389 |
| Noninterest income to average assets | 0.5737% | 3,640 |
| Noninterest expense to average assets | 3.7078% | 1,683 |
| Loan and lease loss provision to assets | 1.1270% | 1,416 |
| Net operating income to assets | -0.9685% | 6,661 |
| Return on assets (ROA) | -0.8355% | 6,624 |
| Pretax return on assets | -1.2634% | 6,764 |
| Return on Equity (ROE) | -8.5183% | 6,649 |
| Retained earnings to average equity (ytd only) | -8.5183% | 6,565 |
| Net charge-offs to loans | 1.9328% | 1,064 |
| Credit loss provision to net charge-offs | 83.4303% | 5,412 |
| Earnings coverage of net charge-offs (x) | -0.2502% | 6,320 |
| Efficiency ratio | 107.4628% | 588 |
| Assets per employee ($millions) | 5.2307% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 4,265 |
| Loan loss allowance to noncurrent loans | 70.6999% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.6532% | 3,820 |
| Noncurrent loans to loans | 2.0556% | 3,477 |
| Net loans and leases to total assets | 67.5137% | 3,100 |
| Net loans and leases to deposits | 88.9856% | 1,652 |
| Net loans and leases to core deposits | 96.8470% | 1,908 |
| Total domestic deposits to total assets | 75.8704% | 6,647 |
| Equity capital to assets | 10.1350% | 3,576 |
| Core capital (leverage) ratio | 7.1632% | 6,933 |
| Tier 1 risk-based capital ratio | 10.7367% | 6,538 |
| Total risk-based capital ratio | 11.9947% | 6,504 |
| Memoranda: | ||
| Average total assets | $928,873,200 | 726 |
| Average earning assets | $824,416,400 | 737 |
| Average equity | $91,109,600 | 734 |
| Average total loans | $649,156,600 | 677 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0012% | 4,809 |
| Cost of funding earning assets | 1.8371% | 1,273 |
| Net interest margin | 3.1641% | 6,446 |
| Noninterest income to average assets | 0.5368% | 3,895 |
| Noninterest expense to average assets | 3.0919% | 3,367 |
| Loan and lease loss provision to assets | 1.1909% | 1,206 |
| Net operating income to assets | -0.6135% | 6,673 |
| Return on assets (ROA) | -0.4695% | 6,614 |
| Pretax return on assets | -0.7161% | 6,689 |
| Return on Equity (ROE) | -4.8255% | 6,640 |
| Retained earnings to average equity (ytd only) | -4.8255% | 6,545 |
| Net charge-offs to loans | 2.0441% | 917 |
| Credit loss provision to net charge-offs | 82.9690% | 5,039 |
| Earnings coverage of net charge-offs (x) | 0.1788% | 5,834 |
| Efficiency ratio | 89.8203% | 1,309 |
| Assets per employee ($millions) | 5.3179% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 4,311 |
| Loan loss allowance to noncurrent loans | 62.4251% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.7986% | 3,748 |
| Noncurrent loans to loans | 2.2905% | 3,345 |
| Net loans and leases to total assets | 67.8956% | 3,243 |
| Net loans and leases to deposits | 92.8395% | 1,350 |
| Net loans and leases to core deposits | 101.2018% | 1,729 |
| Total domestic deposits to total assets | 73.1323% | 7,020 |
| Equity capital to assets | 9.4026% | 4,980 |
| Core capital (leverage) ratio | 7.2900% | 7,014 |
| Tier 1 risk-based capital ratio | 10.2836% | 6,905 |
| Total risk-based capital ratio | 11.5366% | 6,895 |
| Memoranda: | ||
| Average total assets | $934,863,000 | 718 |
| Average earning assets | $830,708,250 | 728 |
| Average equity | $90,958,750 | 730 |
| Average total loans | $656,458,000 | 664 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0857% | 4,530 |
| Cost of funding earning assets | 1.8971% | 1,250 |
| Net interest margin | 3.1886% | 6,357 |
| Noninterest income to average assets | 0.4796% | 4,292 |
| Noninterest expense to average assets | 3.0231% | 3,625 |
| Loan and lease loss provision to assets | 1.3293% | 1,021 |
| Net operating income to assets | -0.6832% | 6,796 |
| Return on assets (ROA) | -0.5603% | 6,740 |
| Pretax return on assets | -0.8463% | 6,813 |
| Return on Equity (ROE) | -5.6931% | 6,756 |
| Retained earnings to average equity (ytd only) | -5.6931% | 6,631 |
| Net charge-offs to loans | 2.3745% | 732 |
| Credit loss provision to net charge-offs | 79.2100% | 4,729 |
| Earnings coverage of net charge-offs (x) | 0.1769% | 5,543 |
| Efficiency ratio | 88.7578% | 1,441 |
| Assets per employee ($millions) | 5.2870% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4410% | 4,228 |
| Loan loss allowance to noncurrent loans | 59.9278% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.8311% | 3,718 |
| Noncurrent loans to loans | 2.4045% | 3,249 |
| Net loans and leases to total assets | 69.2014% | 3,087 |
| Net loans and leases to deposits | 95.7891% | 1,067 |
| Net loans and leases to core deposits | 104.8284% | 1,556 |
| Total domestic deposits to total assets | 72.2435% | 7,166 |
| Equity capital to assets | 9.6591% | 4,455 |
| Core capital (leverage) ratio | 7.3479% | 6,961 |
| Tier 1 risk-based capital ratio | 10.3555% | 6,794 |
| Total risk-based capital ratio | 11.6088% | 6,778 |
| Memoranda: | ||
| Average total assets | $929,181,330 | 715 |
| Average earning assets | $827,686,670 | 729 |
| Average equity | $91,443,670 | 717 |
| Average total loans | $656,717,670 | 669 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 4,271 |
| Cost of funding earning assets | 1.9505% | 1,244 |
| Net interest margin | 3.2051% | 6,278 |
| Noninterest income to average assets | 0.4299% | 4,664 |
| Noninterest expense to average assets | 2.9347% | 3,932 |
| Loan and lease loss provision to assets | 1.0455% | 1,181 |
| Net operating income to assets | -0.4757% | 6,810 |
| Return on assets (ROA) | -0.5353% | 6,886 |
| Pretax return on assets | -0.7759% | 6,937 |
| Return on Equity (ROE) | -5.3887% | 6,905 |
| Retained earnings to average equity (ytd only) | -5.3887% | 6,618 |
| Net charge-offs to loans | 3.2960% | 445 |
| Credit loss provision to net charge-offs | 44.7320% | 4,562 |
| Earnings coverage of net charge-offs (x) | 0.1523% | 4,898 |
| Efficiency ratio | 86.8583% | 1,702 |
| Assets per employee ($millions) | 5.4135% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 5,226 |
| Loan loss allowance to noncurrent loans | 66.5598% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.5068% | 4,246 |
| Noncurrent loans to loans | 1.8758% | 3,959 |
| Net loans and leases to total assets | 69.1986% | 3,113 |
| Net loans and leases to deposits | 96.6452% | 1,029 |
| Net loans and leases to core deposits | 105.5944% | 1,609 |
| Total domestic deposits to total assets | 71.6007% | 7,302 |
| Equity capital to assets | 9.8904% | 4,006 |
| Core capital (leverage) ratio | 7.9276% | 6,343 |
| Tier 1 risk-based capital ratio | 11.0938% | 6,066 |
| Total risk-based capital ratio | 12.3938% | 5,978 |
| Memoranda: | ||
| Average total assets | $925,873,000 | 738 |
| Average earning assets | $826,444,500 | 751 |
| Average equity | $91,970,500 | 717 |
| Average total loans | $656,550,000 | 689 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3989% | 4,702 |
| Cost of funding earning assets | 2.2611% | 1,800 |
| Net interest margin | 3.1378% | 6,262 |
| Noninterest income to average assets | 0.5608% | 3,935 |
| Noninterest expense to average assets | 2.9606% | 4,299 |
| Loan and lease loss provision to assets | 0.5242% | 3,751 |
| Net operating income to assets | -0.0673% | 5,615 |
| Return on assets (ROA) | -0.6905% | 6,350 |
| Pretax return on assets | -1.0367% | 6,433 |
| Return on Equity (ROE) | -6.8754% | 6,379 |
| Retained earnings to average equity (ytd only) | -6.8754% | 6,230 |
| Net charge-offs to loans | 0.0638% | 6,470 |
| Credit loss provision to net charge-offs | 1,119.9541% | 267 |
| Earnings coverage of net charge-offs (x) | 8.9243% | 1,866 |
| Efficiency ratio | 85.4110% | 2,178 |
| Assets per employee ($millions) | 5.2318% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 3,008 |
| Loan loss allowance to noncurrent loans | 56.6401% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 2.2432% | 3,078 |
| Noncurrent loans to loans | 2.9466% | 2,614 |
| Net loans and leases to total assets | 70.5516% | 3,113 |
| Net loans and leases to deposits | 100.1286% | 890 |
| Net loans and leases to core deposits | 121.5580% | 1,832 |
| Total domestic deposits to total assets | 70.4610% | 7,380 |
| Equity capital to assets | 9.9764% | 3,791 |
| Core capital (leverage) ratio | 8.0383% | 6,101 |
| Tier 1 risk-based capital ratio | 11.0269% | 5,895 |
| Total risk-based capital ratio | 12.3404% | 5,791 |
| Memoranda: | ||
| Average total assets | $931,495,000 | 722 |
| Average earning assets | $836,413,800 | 732 |
| Average equity | $93,551,200 | 696 |
| Average total loans | $682,896,000 | 681 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4618% | 4,619 |
| Cost of funding earning assets | 2.3056% | 1,964 |
| Net interest margin | 3.1562% | 6,157 |
| Noninterest income to average assets | 0.5577% | 4,024 |
| Noninterest expense to average assets | 2.9741% | 4,149 |
| Loan and lease loss provision to assets | 0.3336% | 4,336 |
| Net operating income to assets | 0.0642% | 5,568 |
| Return on assets (ROA) | -0.5568% | 6,481 |
| Pretax return on assets | -0.7759% | 6,528 |
| Return on Equity (ROE) | -5.5354% | 6,505 |
| Retained earnings to average equity (ytd only) | -5.5354% | 6,322 |
| Net charge-offs to loans | 0.0271% | 6,499 |
| Credit loss provision to net charge-offs | 1,667.1429% | 232 |
| Earnings coverage of net charge-offs (x) | 21.0002% | 1,218 |
| Efficiency ratio | 85.4183% | 2,137 |
| Assets per employee ($millions) | 5.2367% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 4,358 |
| Loan loss allowance to noncurrent loans | 55.9807% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.7995% | 3,662 |
| Noncurrent loans to loans | 2.3657% | 3,191 |
| Net loans and leases to total assets | 70.6317% | 3,354 |
| Net loans and leases to deposits | 101.3858% | 978 |
| Net loans and leases to core deposits | 122.8473% | 2,005 |
| Total domestic deposits to total assets | 69.6663% | 7,442 |
| Equity capital to assets | 10.1002% | 3,960 |
| Core capital (leverage) ratio | 8.8625% | 4,881 |
| Tier 1 risk-based capital ratio | 12.0040% | 4,974 |
| Total risk-based capital ratio | 13.3173% | 4,852 |
| Memoranda: | ||
| Average total assets | $932,859,500 | 732 |
| Average earning assets | $838,403,000 | 740 |
| Average equity | $93,842,750 | 697 |
| Average total loans | $687,514,250 | 696 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5202% | 4,510 |
| Cost of funding earning assets | 2.3709% | 2,075 |
| Net interest margin | 3.1492% | 6,093 |
| Noninterest income to average assets | 0.5873% | 3,791 |
| Noninterest expense to average assets | 3.0252% | 3,987 |
| Loan and lease loss provision to assets | 0.4788% | 3,130 |
| Net operating income to assets | -0.0627% | 5,943 |
| Return on assets (ROA) | -0.4910% | 6,549 |
| Pretax return on assets | -0.6910% | 6,590 |
| Return on Equity (ROE) | -4.8879% | 6,595 |
| Retained earnings to average equity (ytd only) | -4.8879% | 6,286 |
| Net charge-offs to loans | 0.0181% | 6,267 |
| Credit loss provision to net charge-offs | 3,546.0317% | 136 |
| Earnings coverage of net charge-offs (x) | 28.9683% | 1,022 |
| Efficiency ratio | 86.3856% | 2,189 |
| Assets per employee ($millions) | 5.0742% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 4,303 |
| Loan loss allowance to noncurrent loans | 58.9972% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.6087% | 3,801 |
| Noncurrent loans to loans | 2.1943% | 3,265 |
| Net loans and leases to total assets | 72.3628% | 3,124 |
| Net loans and leases to deposits | 105.4425% | 798 |
| Net loans and leases to core deposits | 127.0357% | 1,781 |
| Total domestic deposits to total assets | 68.6277% | 7,577 |
| Equity capital to assets | 10.0448% | 3,878 |
| Core capital (leverage) ratio | 8.9784% | 4,668 |
| Tier 1 risk-based capital ratio | 11.8599% | 5,035 |
| Total risk-based capital ratio | 13.1011% | 4,966 |
| Memoranda: | ||
| Average total assets | $933,103,000 | 751 |
| Average earning assets | $838,235,000 | 756 |
| Average equity | $93,741,330 | 710 |
| Average total loans | $694,280,670 | 707 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5840% | 4,451 |
| Cost of funding earning assets | 2.4384% | 2,147 |
| Net interest margin | 3.1456% | 6,038 |
| Noninterest income to average assets | 0.5298% | 4,060 |
| Noninterest expense to average assets | 2.9067% | 4,138 |
| Loan and lease loss provision to assets | 0.3113% | 3,477 |
| Net operating income to assets | 0.0964% | 5,988 |
| Return on assets (ROA) | -0.3460% | 6,810 |
| Pretax return on assets | -0.5046% | 6,824 |
| Return on Equity (ROE) | -3.4435% | 6,833 |
| Retained earnings to average equity (ytd only) | -3.4435% | 6,356 |
| Net charge-offs to loans | 0.0228% | 5,239 |
| Credit loss provision to net charge-offs | 1,820.0000% | 352 |
| Earnings coverage of net charge-offs (x) | 26.1750% | 1,186 |
| Efficiency ratio | 84.5105% | 2,248 |
| Assets per employee ($millions) | 5.0657% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 5,826 |
| Loan loss allowance to noncurrent loans | 65.0284% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.1899% | 4,290 |
| Noncurrent loans to loans | 1.6099% | 3,860 |
| Net loans and leases to total assets | 73.1403% | 2,979 |
| Net loans and leases to deposits | 107.4186% | 764 |
| Net loans and leases to core deposits | 129.9336% | 1,663 |
| Total domestic deposits to total assets | 68.0890% | 7,591 |
| Equity capital to assets | 9.9225% | 4,082 |
| Core capital (leverage) ratio | 9.1445% | 4,490 |
| Tier 1 risk-based capital ratio | 11.4535% | 5,460 |
| Total risk-based capital ratio | 12.4875% | 5,571 |
| Memoranda: | ||
| Average total assets | $935,366,000 | 752 |
| Average earning assets | $839,904,000 | 755 |
| Average equity | $93,975,000 | 704 |
| Average total loans | $701,042,500 | 704 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1152% | 4,963 |
| Cost of funding earning assets | 2.8429% | 2,511 |
| Net interest margin | 3.2723% | 6,130 |
| Noninterest income to average assets | 0.5627% | 4,131 |
| Noninterest expense to average assets | 2.8198% | 4,740 |
| Loan and lease loss provision to assets | 0.1624% | 5,303 |
| Net operating income to assets | 0.3553% | 5,332 |
| Return on assets (ROA) | 0.1115% | 5,917 |
| Pretax return on assets | 0.1647% | 5,810 |
| Return on Equity (ROE) | 1.0570% | 5,897 |
| Retained earnings to average equity (ytd only) | 1.0570% | 4,588 |
| Net charge-offs to loans | 0.0576% | 5,952 |
| Credit loss provision to net charge-offs | 373.7245% | 1,181 |
| Earnings coverage of net charge-offs (x) | 15.7806% | 1,906 |
| Efficiency ratio | 78.3761% | 2,860 |
| Assets per employee ($millions) | 5.1019% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 6,416 |
| Loan loss allowance to noncurrent loans | 87.9719% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 0.8175% | 4,804 |
| Noncurrent loans to loans | 1.0755% | 4,415 |
| Net loans and leases to total assets | 75.2904% | 2,809 |
| Net loans and leases to deposits | 114.1294% | 607 |
| Net loans and leases to core deposits | 138.4754% | 1,345 |
| Total domestic deposits to total assets | 65.9693% | 7,661 |
| Equity capital to assets | 10.1744% | 3,836 |
| Core capital (leverage) ratio | 9.4215% | 4,127 |
| Tier 1 risk-based capital ratio | 12.0585% | 4,775 |
| Total risk-based capital ratio | 13.0381% | 4,901 |
| Memoranda: | ||
| Average total assets | $902,237,000 | 736 |
| Average earning assets | $811,358,600 | 749 |
| Average equity | $95,172,400 | 702 |
| Average total loans | $681,099,600 | 703 |