Home > Lydian Private Bank > Performance and Condition Ratios
Lydian Private 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 | 4.0708% | 6,540 |
| Cost of funding earning assets | 1.4496% | 1,196 |
| Net interest margin | 2.6212% | 7,103 |
| Noninterest income to average assets | 0.4681% | 4,132 |
| Noninterest expense to average assets | 3.3928% | 2,280 |
| Loan and lease loss provision to assets | 3.9249% | 77 |
| Net operating income to assets | -4.5497% | 7,423 |
| Return on assets (ROA) | -4.0102% | 7,395 |
| Pretax return on assets | -3.9262% | 7,382 |
| Return on Equity (ROE) | -173.7125% | 7,482 |
| Retained earnings to average equity (ytd only) | -173.7125% | 7,482 |
| Net charge-offs to loans | 5.9408% | 86 |
| Credit loss provision to net charge-offs | 91.7532% | 3,407 |
| Earnings coverage of net charge-offs (x) | -0.1264% | 5,363 |
| Efficiency ratio | 114.7426% | 402 |
| Assets per employee ($millions) | 11.1850% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1153% | 2,089 |
| Loan loss allowance to noncurrent loans | 27.7792% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 7.5975% | 630 |
| Noncurrent loans to loans | 7.6149% | 621 |
| Net loans and leases to total assets | 66.6184% | 2,906 |
| Net loans and leases to deposits | 90.3301% | 1,235 |
| Net loans and leases to core deposits | 96.1053% | 1,673 |
| Total domestic deposits to total assets | 73.7499% | 6,866 |
| Equity capital to assets | 2.3137% | 7,464 |
| Core capital (leverage) ratio | 1.7006% | 7,482 |
| Tier 1 risk-based capital ratio | 2.8457% | 7,471 |
| Total risk-based capital ratio | 5.5913% | 7,424 |
| Memoranda: | ||
| Average total assets | $1,692,871,000 | 401 |
| Average earning assets | $1,539,700,670 | 395 |
| Average equity | $39,080,670 | 1,720 |
| Average total loans | $1,218,959,330 | 359 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 6,480 |
| Cost of funding earning assets | 1.4672% | 1,307 |
| Net interest margin | 2.6455% | 7,082 |
| Noninterest income to average assets | -0.6867% | 7,516 |
| Noninterest expense to average assets | 3.3203% | 2,494 |
| Loan and lease loss provision to assets | 4.5739% | 78 |
| Net operating income to assets | -6.4239% | 7,511 |
| Return on assets (ROA) | -5.5305% | 7,500 |
| Pretax return on assets | -5.2876% | 7,489 |
| Return on Equity (ROE) | -239.8378% | 7,548 |
| Retained earnings to average equity (ytd only) | -239.8378% | 7,546 |
| Net charge-offs to loans | 6.9813% | 74 |
| Credit loss provision to net charge-offs | 88.5446% | 2,962 |
| Earnings coverage of net charge-offs (x) | -0.3111% | 4,734 |
| Efficiency ratio | 186.9385% | 80 |
| Assets per employee ($millions) | 10.3789% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0481% | 2,298 |
| Loan loss allowance to noncurrent loans | 36.0049% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 6.5503% | 846 |
| Noncurrent loans to loans | 5.6883% | 1,143 |
| Net loans and leases to total assets | 71.8971% | 1,742 |
| Net loans and leases to deposits | 97.9555% | 573 |
| Net loans and leases to core deposits | 117.5697% | 486 |
| Total domestic deposits to total assets | 73.3978% | 6,967 |
| Equity capital to assets | 1.6050% | 7,547 |
| Core capital (leverage) ratio | 1.3132% | 7,551 |
| Tier 1 risk-based capital ratio | 2.0566% | 7,547 |
| Total risk-based capital ratio | 4.1132% | 7,529 |
| Memoranda: | ||
| Average total assets | $1,689,248,000 | 404 |
| Average earning assets | $1,532,419,500 | 396 |
| Average equity | $38,953,000 | 1,705 |
| Average total loans | $1,249,905,500 | 352 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8441% | 5,256 |
| Cost of funding earning assets | 1.7764% | 1,271 |
| Net interest margin | 3.0677% | 6,602 |
| Noninterest income to average assets | -0.1684% | 7,450 |
| Noninterest expense to average assets | 3.4787% | 2,232 |
| Loan and lease loss provision to assets | 2.9539% | 328 |
| Net operating income to assets | -4.6343% | 7,505 |
| Return on assets (ROA) | -3.1345% | 7,339 |
| Pretax return on assets | -2.3320% | 7,122 |
| Return on Equity (ROE) | -64.7701% | 7,504 |
| Retained earnings to average equity (ytd only) | -64.7701% | 7,502 |
| Net charge-offs to loans | 4.8345% | 195 |
| Credit loss provision to net charge-offs | 83.0726% | 5,437 |
| Earnings coverage of net charge-offs (x) | -0.2469% | 6,317 |
| Efficiency ratio | 130.5678% | 312 |
| Assets per employee ($millions) | 11.4525% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1442% | 1,974 |
| Loan loss allowance to noncurrent loans | 60.7552% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 5.1081% | 1,246 |
| Noncurrent loans to loans | 3.5292% | 2,138 |
| Net loans and leases to total assets | 72.9648% | 1,882 |
| Net loans and leases to deposits | 98.7370% | 662 |
| Net loans and leases to core deposits | 107.1424% | 1,113 |
| Total domestic deposits to total assets | 73.8981% | 6,907 |
| Equity capital to assets | 2.9835% | 7,565 |
| Core capital (leverage) ratio | 3.0497% | 7,551 |
| Tier 1 risk-based capital ratio | 4.4898% | 7,541 |
| Total risk-based capital ratio | 7.0421% | 7,494 |
| Memoranda: | ||
| Average total assets | $1,923,216,800 | 362 |
| Average earning assets | $1,736,081,600 | 359 |
| Average equity | $93,073,800 | 715 |
| Average total loans | $1,414,552,200 | 332 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9985% | 4,818 |
| Cost of funding earning assets | 1.8505% | 1,213 |
| Net interest margin | 3.1480% | 6,491 |
| Noninterest income to average assets | -0.0080% | 7,462 |
| Noninterest expense to average assets | 3.2332% | 2,802 |
| Loan and lease loss provision to assets | 2.5573% | 403 |
| Net operating income to assets | -1.9881% | 7,237 |
| Return on assets (ROA) | -0.8866% | 6,876 |
| Pretax return on assets | -1.2869% | 6,972 |
| Return on Equity (ROE) | -16.9095% | 7,153 |
| Retained earnings to average equity (ytd only) | -16.9095% | 7,131 |
| Net charge-offs to loans | 4.4079% | 240 |
| Credit loss provision to net charge-offs | 79.1164% | 5,164 |
| Earnings coverage of net charge-offs (x) | -0.1247% | 6,124 |
| Efficiency ratio | 111.4523% | 498 |
| Assets per employee ($millions) | 13.1632% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1322% | 1,921 |
| Loan loss allowance to noncurrent loans | 49.8096% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 5.3573% | 1,164 |
| Noncurrent loans to loans | 4.2808% | 1,700 |
| Net loans and leases to total assets | 70.8162% | 2,528 |
| Net loans and leases to deposits | 95.4036% | 1,056 |
| Net loans and leases to core deposits | 111.3286% | 967 |
| Total domestic deposits to total assets | 74.2280% | 6,895 |
| Equity capital to assets | 5.3518% | 7,546 |
| Core capital (leverage) ratio | 5.9050% | 7,447 |
| Tier 1 risk-based capital ratio | 8.8054% | 7,395 |
| Total risk-based capital ratio | 11.2668% | 7,046 |
| Memoranda: | ||
| Average total assets | $1,974,553,750 | 349 |
| Average earning assets | $1,780,185,000 | 345 |
| Average equity | $103,529,000 | 641 |
| Average total loans | $1,447,964,250 | 326 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0699% | 4,610 |
| Cost of funding earning assets | 1.8969% | 1,252 |
| Net interest margin | 3.1730% | 6,396 |
| Noninterest income to average assets | 0.2707% | 5,985 |
| Noninterest expense to average assets | 3.5629% | 1,877 |
| Loan and lease loss provision to assets | 3.0247% | 321 |
| Net operating income to assets | -2.1533% | 7,344 |
| Return on assets (ROA) | -0.6076% | 6,774 |
| Pretax return on assets | -1.0039% | 6,890 |
| Return on Equity (ROE) | -11.6639% | 7,026 |
| Retained earnings to average equity (ytd only) | -11.6639% | 6,984 |
| Net charge-offs to loans | 5.0850% | 199 |
| Credit loss provision to net charge-offs | 80.7794% | 4,690 |
| Earnings coverage of net charge-offs (x) | -0.1139% | 5,814 |
| Efficiency ratio | 111.2320% | 523 |
| Assets per employee ($millions) | 13.1354% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2468% | 1,678 |
| Loan loss allowance to noncurrent loans | 42.5525% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 5.4735% | 1,130 |
| Noncurrent loans to loans | 5.2801% | 1,280 |
| Net loans and leases to total assets | 70.7391% | 2,730 |
| Net loans and leases to deposits | 95.2340% | 1,121 |
| Net loans and leases to core deposits | 114.3185% | 905 |
| Total domestic deposits to total assets | 74.2792% | 6,944 |
| Equity capital to assets | 5.4366% | 7,601 |
| Core capital (leverage) ratio | 5.8360% | 7,508 |
| Tier 1 risk-based capital ratio | 8.7214% | 7,458 |
| Total risk-based capital ratio | 11.1425% | 7,058 |
| Memoranda: | ||
| Average total assets | $2,005,291,670 | 345 |
| Average earning assets | $1,811,050,330 | 344 |
| Average equity | $104,459,000 | 632 |
| Average total loans | $1,476,604,330 | 320 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2049% | 3,988 |
| Cost of funding earning assets | 1.9607% | 1,208 |
| Net interest margin | 3.2442% | 6,148 |
| Noninterest income to average assets | 0.5415% | 3,715 |
| Noninterest expense to average assets | 3.5008% | 1,980 |
| Loan and lease loss provision to assets | 5.2042% | 143 |
| Net operating income to assets | -3.3032% | 7,662 |
| Return on assets (ROA) | -0.8320% | 7,051 |
| Pretax return on assets | -1.3386% | 7,197 |
| Return on Equity (ROE) | -16.3153% | 7,347 |
| Retained earnings to average equity (ytd only) | -16.3153% | 7,255 |
| Net charge-offs to loans | 6.4945% | 159 |
| Credit loss provision to net charge-offs | 107.9259% | 3,191 |
| Earnings coverage of net charge-offs (x) | -0.0056% | 5,026 |
| Efficiency ratio | 98.7801% | 888 |
| Assets per employee ($millions) | 12.3655% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5858% | 1,194 |
| Loan loss allowance to noncurrent loans | 45.9857% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 5.8867% | 1,032 |
| Noncurrent loans to loans | 5.6231% | 1,222 |
| Net loans and leases to total assets | 73.7555% | 2,024 |
| Net loans and leases to deposits | 99.5655% | 787 |
| Net loans and leases to core deposits | 122.3627% | 698 |
| Total domestic deposits to total assets | 74.0773% | 7,039 |
| Equity capital to assets | 5.6948% | 7,661 |
| Core capital (leverage) ratio | 6.7652% | 7,370 |
| Tier 1 risk-based capital ratio | 10.3550% | 6,754 |
| Total risk-based capital ratio | 12.8121% | 5,593 |
| Memoranda: | ||
| Average total assets | $2,029,346,500 | 351 |
| Average earning assets | $1,834,436,500 | 349 |
| Average equity | $103,486,000 | 642 |
| Average total loans | $1,506,749,500 | 325 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9676% | 1,999 |
| Cost of funding earning assets | 2.7679% | 492 |
| Net interest margin | 3.1997% | 6,096 |
| Noninterest income to average assets | 1.2261% | 1,012 |
| Noninterest expense to average assets | 2.1459% | 7,092 |
| Loan and lease loss provision to assets | 3.6988% | 400 |
| Net operating income to assets | -0.9809% | 6,568 |
| Return on assets (ROA) | -0.4040% | 6,074 |
| Pretax return on assets | -0.7713% | 6,249 |
| Return on Equity (ROE) | -8.4823% | 6,509 |
| Retained earnings to average equity (ytd only) | -9.1098% | 6,438 |
| Net charge-offs to loans | 3.7676% | 478 |
| Credit loss provision to net charge-offs | 123.2241% | 4,283 |
| Earnings coverage of net charge-offs (x) | 0.6633% | 5,429 |
| Efficiency ratio | 50.1369% | 7,532 |
| Assets per employee ($millions) | 14.6021% | 119 |
| Cash dividends to net income (ytd only)* | -7.3978% | 7,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3369% | 1,425 |
| Loan loss allowance to noncurrent loans | 42.5037% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 5.4357% | 1,083 |
| Noncurrent loans to loans | 5.4980% | 1,175 |
| Net loans and leases to total assets | 71.2008% | 2,954 |
| Net loans and leases to deposits | 106.3199% | 536 |
| Net loans and leases to core deposits | 145.2163% | 637 |
| Total domestic deposits to total assets | 66.9685% | 7,602 |
| Equity capital to assets | 4.5536% | 7,818 |
| Core capital (leverage) ratio | 5.4647% | 7,718 |
| Tier 1 risk-based capital ratio | 8.4941% | 7,589 |
| Total risk-based capital ratio | 10.2875% | 7,472 |
| Memoranda: | ||
| Average total assets | $2,101,099,400 | 337 |
| Average earning assets | $1,911,372,400 | 333 |
| Average equity | $100,079,400 | 659 |
| Average total loans | $1,673,968,200 | 308 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0580% | 1,805 |
| Cost of funding earning assets | 2.9378% | 396 |
| Net interest margin | 3.1202% | 6,257 |
| Noninterest income to average assets | 0.7473% | 2,725 |
| Noninterest expense to average assets | 1.9256% | 7,504 |
| Loan and lease loss provision to assets | 3.6979% | 348 |
| Net operating income to assets | -1.1134% | 6,912 |
| Return on assets (ROA) | -0.6774% | 6,595 |
| Pretax return on assets | -1.3194% | 6,872 |
| Return on Equity (ROE) | -14.0662% | 7,138 |
| Retained earnings to average equity (ytd only) | -14.8953% | 7,127 |
| Net charge-offs to loans | 3.7843% | 384 |
| Credit loss provision to net charge-offs | 120.0776% | 4,225 |
| Earnings coverage of net charge-offs (x) | 0.5393% | 5,493 |
| Efficiency ratio | 51.6966% | 7,433 |
| Assets per employee ($millions) | 14.4510% | 118 |
| Cash dividends to net income (ytd only)* | -5.8939% | 7,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9618% | 1,888 |
| Loan loss allowance to noncurrent loans | 37.2666% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 5.3041% | 1,095 |
| Noncurrent loans to loans | 5.2642% | 1,212 |
| Net loans and leases to total assets | 74.8073% | 2,288 |
| Net loans and leases to deposits | 113.0499% | 362 |
| Net loans and leases to core deposits | 147.5925% | 643 |
| Total domestic deposits to total assets | 66.1719% | 7,677 |
| Equity capital to assets | 4.5103% | 7,979 |
| Core capital (leverage) ratio | 5.4209% | 7,883 |
| Tier 1 risk-based capital ratio | 8.2514% | 7,760 |
| Total risk-based capital ratio | 10.0352% | 7,719 |
| Memoranda: | ||
| Average total assets | $2,097,048,250 | 349 |
| Average earning assets | $1,908,159,500 | 345 |
| Average equity | $100,995,750 | 657 |
| Average total loans | $1,706,558,000 | 314 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1735% | 1,549 |
| Cost of funding earning assets | 3.0866% | 367 |
| Net interest margin | 3.0868% | 6,291 |
| Noninterest income to average assets | 1.1165% | 1,272 |
| Noninterest expense to average assets | 1.9692% | 7,513 |
| Loan and lease loss provision to assets | 3.9157% | 328 |
| Net operating income to assets | -0.9534% | 6,941 |
| Return on assets (ROA) | -1.0282% | 7,003 |
| Pretax return on assets | -2.0426% | 7,301 |
| Return on Equity (ROE) | -20.9121% | 7,525 |
| Retained earnings to average equity (ytd only) | -22.1271% | 7,518 |
| Net charge-offs to loans | 3.6525% | 413 |
| Credit loss provision to net charge-offs | 129.0790% | 3,603 |
| Earnings coverage of net charge-offs (x) | 0.6435% | 5,056 |
| Efficiency ratio | 48.4000% | 7,740 |
| Assets per employee ($millions) | 14.4899% | 110 |
| Cash dividends to net income (ytd only)* | -5.8100% | 7,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8529% | 1,903 |
| Loan loss allowance to noncurrent loans | 35.4729% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 5.3619% | 947 |
| Noncurrent loans to loans | 5.2233% | 1,143 |
| Net loans and leases to total assets | 77.3972% | 1,881 |
| Net loans and leases to deposits | 116.2396% | 322 |
| Net loans and leases to core deposits | 157.5906% | 486 |
| Total domestic deposits to total assets | 66.5842% | 7,705 |
| Equity capital to assets | 5.2921% | 8,021 |
| Core capital (leverage) ratio | 6.1370% | 7,893 |
| Tier 1 risk-based capital ratio | 9.3058% | 7,532 |
| Total risk-based capital ratio | 10.9373% | 7,182 |
| Memoranda: | ||
| Average total assets | $2,102,417,000 | 359 |
| Average earning assets | $1,910,173,670 | 349 |
| Average equity | $103,375,670 | 645 |
| Average total loans | $1,746,128,670 | 318 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8150% | 3,224 |
| Cost of funding earning assets | 3.1201% | 432 |
| Net interest margin | 2.6949% | 7,213 |
| Noninterest income to average assets | 1.0354% | 1,386 |
| Noninterest expense to average assets | 1.8784% | 7,590 |
| Loan and lease loss provision to assets | 2.5866% | 439 |
| Net operating income to assets | -0.1206% | 6,445 |
| Return on assets (ROA) | -0.1845% | 6,620 |
| Pretax return on assets | -1.0229% | 7,162 |
| Return on Equity (ROE) | -3.9007% | 6,880 |
| Retained earnings to average equity (ytd only) | -5.1071% | 6,559 |
| Net charge-offs to loans | 3.4937% | 350 |
| Credit loss provision to net charge-offs | 86.9510% | 4,066 |
| Earnings coverage of net charge-offs (x) | 0.5462% | 4,557 |
| Efficiency ratio | 51.6912% | 7,449 |
| Assets per employee ($millions) | 14.6117% | 118 |
| Cash dividends to net income (ytd only)* | -30.9278% | 8,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 5,418 |
| Loan loss allowance to noncurrent loans | 25.4236% | 6,873 |
| Noncurrent assets plus other real estate owned to assets | 4.7583% | 975 |
| Noncurrent loans to loans | 4.3537% | 1,338 |
| Net loans and leases to total assets | 82.8885% | 869 |
| Net loans and leases to deposits | 127.8049% | 164 |
| Net loans and leases to core deposits | 172.5011% | 307 |
| Total domestic deposits to total assets | 64.8555% | 7,804 |
| Equity capital to assets | 4.7746% | 8,131 |
| Core capital (leverage) ratio | 5.9286% | 8,018 |
| Tier 1 risk-based capital ratio | 8.6096% | 7,922 |
| Total risk-based capital ratio | 10.2155% | 7,846 |
| Memoranda: | ||
| Average total assets | $2,103,107,000 | 358 |
| Average earning assets | $1,925,854,000 | 352 |
| Average equity | $99,469,000 | 676 |
| Average total loans | $1,790,771,500 | 313 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7581% | 6,565 |
| Cost of funding earning assets | 3.6600% | 306 |
| Net interest margin | 2.0980% | 8,016 |
| Noninterest income to average assets | 0.9562% | 1,739 |
| Noninterest expense to average assets | 1.7027% | 7,863 |
| Loan and lease loss provision to assets | 2.0394% | 582 |
| Net operating income to assets | -0.5517% | 6,958 |
| Return on assets (ROA) | -0.6124% | 6,907 |
| Pretax return on assets | -0.9297% | 6,959 |
| Return on Equity (ROE) | -12.5847% | 7,470 |
| Retained earnings to average equity (ytd only) | -12.8882% | 7,322 |
| Net charge-offs to loans | 1.2628% | 947 |
| Credit loss provision to net charge-offs | 178.0820% | 2,839 |
| Earnings coverage of net charge-offs (x) | 1.0492% | 5,605 |
| Efficiency ratio | 55.4493% | 7,093 |
| Assets per employee ($millions) | 14.6996% | 114 |
| Cash dividends to net income (ytd only)* | -2.4116% | 7,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 4,769 |
| Loan loss allowance to noncurrent loans | 36.4661% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 3.5554% | 1,245 |
| Noncurrent loans to loans | 3.2103% | 1,634 |
| Net loans and leases to total assets | 85.4520% | 667 |
| Net loans and leases to deposits | 141.4762% | 103 |
| Net loans and leases to core deposits | 182.3661% | 265 |
| Total domestic deposits to total assets | 60.4003% | 7,954 |
| Equity capital to assets | 4.6852% | 8,214 |
| Core capital (leverage) ratio | 5.8371% | 8,122 |
| Tier 1 risk-based capital ratio | 8.7382% | 7,937 |
| Total risk-based capital ratio | 10.4513% | 7,567 |
| Memoranda: | ||
| Average total assets | $2,031,462,000 | 356 |
| Average earning assets | $1,886,180,600 | 345 |
| Average equity | $98,849,800 | 674 |
| Average total loans | $1,842,302,600 | 294 |