Home > M & I Bank > Performance and Condition Ratios
M & I 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 | 5.8390% | 666 |
| Cost of funding earning assets | 1.4170% | 1,342 |
| Net interest margin | 4.4220% | 1,310 |
| Noninterest income to average assets | 4.4036% | 157 |
| Noninterest expense to average assets | 4.8997% | 397 |
| Loan and lease loss provision to assets | 4.7091% | 54 |
| Net operating income to assets | -0.7549% | 6,845 |
| Return on assets (ROA) | -0.7382% | 6,852 |
| Pretax return on assets | -1.2352% | 6,976 |
| Return on Equity (ROE) | -4.9895% | 6,716 |
| Retained earnings to average equity (ytd only) | -4.9895% | 6,568 |
| Net charge-offs to loans | 10.1685% | 17 |
| Credit loss provision to net charge-offs | 53.5577% | 4,496 |
| Earnings coverage of net charge-offs (x) | 0.3921% | 5,009 |
| Efficiency ratio | 57.8868% | 6,181 |
| Assets per employee ($millions) | 5.8741% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7679% | 63 |
| Loan loss allowance to noncurrent loans | 269.9424% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 2.7797% | 2,409 |
| Noncurrent loans to loans | 2.5071% | 2,880 |
| Net loans and leases to total assets | 79.6194% | 567 |
| Net loans and leases to deposits | 139.7531% | 40 |
| Net loans and leases to core deposits | 576.2522% | 34 |
| Total domestic deposits to total assets | 56.9714% | 7,398 |
| Equity capital to assets | 15.3474% | 730 |
| Core capital (leverage) ratio | 10.6196% | 2,600 |
| Tier 1 risk-based capital ratio | 11.7069% | 6,004 |
| Total risk-based capital ratio | 13.0245% | 5,951 |
| Memoranda: | ||
| Average total assets | $1,243,539,670 | 539 |
| Average earning assets | $1,109,137,000 | 537 |
| Average equity | $183,987,000 | 389 |
| Average total loans | $1,075,285,670 | 406 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9626% | 513 |
| Cost of funding earning assets | 1.3998% | 1,609 |
| Net interest margin | 4.5628% | 932 |
| Noninterest income to average assets | 4.0142% | 163 |
| Noninterest expense to average assets | 4.6931% | 489 |
| Loan and lease loss provision to assets | 5.6986% | 46 |
| Net operating income to assets | -1.4057% | 7,167 |
| Return on assets (ROA) | -1.4057% | 7,170 |
| Pretax return on assets | -2.3027% | 7,299 |
| Return on Equity (ROE) | -9.6706% | 7,019 |
| Retained earnings to average equity (ytd only) | -9.6706% | 6,852 |
| Net charge-offs to loans | 16.1785% | 9 |
| Credit loss provision to net charge-offs | 40.4991% | 3,937 |
| Earnings coverage of net charge-offs (x) | 0.2413% | 4,434 |
| Efficiency ratio | 57.1891% | 6,362 |
| Assets per employee ($millions) | 5.6248% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4992% | 81 |
| Loan loss allowance to noncurrent loans | 133.7638% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 4.7926% | 1,328 |
| Noncurrent loans to loans | 4.8587% | 1,396 |
| Net loans and leases to total assets | 80.0824% | 505 |
| Net loans and leases to deposits | 129.2676% | 58 |
| Net loans and leases to core deposits | 574.8630% | 33 |
| Total domestic deposits to total assets | 61.9509% | 7,408 |
| Equity capital to assets | 14.8936% | 788 |
| Core capital (leverage) ratio | 10.3345% | 2,775 |
| Tier 1 risk-based capital ratio | 10.7976% | 6,638 |
| Total risk-based capital ratio | 12.1078% | 6,583 |
| Memoranda: | ||
| Average total assets | $1,269,091,500 | 525 |
| Average earning assets | $1,133,339,000 | 532 |
| Average equity | $184,476,500 | 386 |
| Average total loans | $1,103,764,000 | 398 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7612% | 1,375 |
| Cost of funding earning assets | 1.6524% | 1,817 |
| Net interest margin | 4.1088% | 2,526 |
| Noninterest income to average assets | 3.6342% | 188 |
| Noninterest expense to average assets | 4.8460% | 477 |
| Loan and lease loss provision to assets | 5.8711% | 41 |
| Net operating income to assets | -2.0677% | 7,076 |
| Return on assets (ROA) | -1.9645% | 7,060 |
| Pretax return on assets | -3.1830% | 7,326 |
| Return on Equity (ROE) | -15.4449% | 6,934 |
| Retained earnings to average equity (ytd only) | -15.4449% | 6,897 |
| Net charge-offs to loans | 6.8649% | 61 |
| Credit loss provision to net charge-offs | 107.6144% | 4,121 |
| Earnings coverage of net charge-offs (x) | 0.4632% | 5,650 |
| Efficiency ratio | 64.9944% | 5,165 |
| Assets per employee ($millions) | 5.9365% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2395% | 38 |
| Loan loss allowance to noncurrent loans | 210.7200% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 4.0792% | 1,658 |
| Noncurrent loans to loans | 3.9102% | 1,872 |
| Net loans and leases to total assets | 80.9420% | 545 |
| Net loans and leases to deposits | 132.6228% | 61 |
| Net loans and leases to core deposits | 573.8979% | 32 |
| Total domestic deposits to total assets | 61.0317% | 7,497 |
| Equity capital to assets | 14.2020% | 982 |
| Core capital (leverage) ratio | 10.1785% | 2,891 |
| Tier 1 risk-based capital ratio | 10.6468% | 6,603 |
| Total risk-based capital ratio | 11.9688% | 6,523 |
| Memoranda: | ||
| Average total assets | $1,574,323,200 | 437 |
| Average earning assets | $1,432,511,000 | 429 |
| Average equity | $200,241,200 | 351 |
| Average total loans | $1,251,145,000 | 362 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7042% | 1,697 |
| Cost of funding earning assets | 1.7171% | 1,784 |
| Net interest margin | 3.9871% | 3,158 |
| Noninterest income to average assets | 3.3051% | 200 |
| Noninterest expense to average assets | 4.5193% | 572 |
| Loan and lease loss provision to assets | 6.1408% | 44 |
| Net operating income to assets | -2.3107% | 7,305 |
| Return on assets (ROA) | -2.2358% | 7,305 |
| Pretax return on assets | -3.5966% | 7,515 |
| Return on Equity (ROE) | -17.9975% | 7,181 |
| Retained earnings to average equity (ytd only) | -17.9975% | 7,162 |
| Net charge-offs to loans | 7.2771% | 57 |
| Credit loss provision to net charge-offs | 108.5700% | 3,923 |
| Earnings coverage of net charge-offs (x) | 0.4291% | 5,593 |
| Efficiency ratio | 64.3203% | 5,189 |
| Assets per employee ($millions) | 6.0921% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0301% | 39 |
| Loan loss allowance to noncurrent loans | 199.2387% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 4.2390% | 1,616 |
| Noncurrent loans to loans | 4.0304% | 1,856 |
| Net loans and leases to total assets | 80.8965% | 630 |
| Net loans and leases to deposits | 106.4930% | 342 |
| Net loans and leases to core deposits | 577.6458% | 33 |
| Total domestic deposits to total assets | 75.9641% | 6,664 |
| Equity capital to assets | 14.2007% | 1,111 |
| Core capital (leverage) ratio | 10.0167% | 3,238 |
| Tier 1 risk-based capital ratio | 10.5094% | 6,771 |
| Total risk-based capital ratio | 11.8293% | 6,704 |
| Memoranda: | ||
| Average total assets | $1,639,911,500 | 410 |
| Average earning assets | $1,497,684,750 | 409 |
| Average equity | $203,720,000 | 342 |
| Average total loans | $1,274,608,750 | 355 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5280% | 2,410 |
| Cost of funding earning assets | 1.6452% | 2,414 |
| Net interest margin | 3.8829% | 3,520 |
| Noninterest income to average assets | 3.1389% | 212 |
| Noninterest expense to average assets | 3.9924% | 1,057 |
| Loan and lease loss provision to assets | 6.8271% | 51 |
| Net operating income to assets | -2.5646% | 7,432 |
| Return on assets (ROA) | -2.5646% | 7,441 |
| Pretax return on assets | -4.1154% | 7,618 |
| Return on Equity (ROE) | -21.4414% | 7,306 |
| Retained earnings to average equity (ytd only) | -21.4414% | 7,290 |
| Net charge-offs to loans | 8.4372% | 53 |
| Credit loss provision to net charge-offs | 107.7939% | 3,778 |
| Earnings coverage of net charge-offs (x) | 0.4282% | 5,297 |
| Efficiency ratio | 58.8316% | 6,255 |
| Assets per employee ($millions) | 7.3598% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6666% | 42 |
| Loan loss allowance to noncurrent loans | 188.8514% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 3.7552% | 1,861 |
| Noncurrent loans to loans | 4.0596% | 1,861 |
| Net loans and leases to total assets | 69.5696% | 3,000 |
| Net loans and leases to deposits | 86.6916% | 2,398 |
| Net loans and leases to core deposits | 685.6076% | 32 |
| Total domestic deposits to total assets | 80.2494% | 5,654 |
| Equity capital to assets | 11.9670% | 2,116 |
| Core capital (leverage) ratio | 8.6274% | 5,195 |
| Tier 1 risk-based capital ratio | 10.1628% | 6,934 |
| Total risk-based capital ratio | 11.4739% | 6,871 |
| Memoranda: | ||
| Average total assets | $1,735,729,670 | 392 |
| Average earning assets | $1,593,766,000 | 385 |
| Average equity | $207,607,330 | 335 |
| Average total loans | $1,302,939,330 | 354 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5032% | 2,565 |
| Cost of funding earning assets | 1.6313% | 2,769 |
| Net interest margin | 3.8719% | 3,446 |
| Noninterest income to average assets | 2.9268% | 215 |
| Noninterest expense to average assets | 3.8200% | 1,298 |
| Loan and lease loss provision to assets | 6.5442% | 98 |
| Net operating income to assets | -2.4129% | 7,541 |
| Return on assets (ROA) | -2.4129% | 7,547 |
| Pretax return on assets | -3.8677% | 7,680 |
| Return on Equity (ROE) | -20.1784% | 7,441 |
| Retained earnings to average equity (ytd only) | -20.1784% | 7,378 |
| Net charge-offs to loans | 8.1467% | 92 |
| Credit loss provision to net charge-offs | 107.1995% | 3,204 |
| Earnings coverage of net charge-offs (x) | 0.4384% | 4,639 |
| Efficiency ratio | 58.0727% | 6,480 |
| Assets per employee ($millions) | 7.3999% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3363% | 51 |
| Loan loss allowance to noncurrent loans | 126.3884% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 5.1122% | 1,243 |
| Noncurrent loans to loans | 5.8046% | 1,154 |
| Net loans and leases to total assets | 70.0883% | 2,914 |
| Net loans and leases to deposits | 85.9891% | 2,588 |
| Net loans and leases to core deposits | 476.6753% | 41 |
| Total domestic deposits to total assets | 81.5083% | 5,265 |
| Equity capital to assets | 12.0685% | 2,007 |
| Core capital (leverage) ratio | 9.2645% | 4,110 |
| Tier 1 risk-based capital ratio | 10.9709% | 6,187 |
| Total risk-based capital ratio | 12.2784% | 6,100 |
| Memoranda: | ||
| Average total assets | $1,775,612,500 | 401 |
| Average earning assets | $1,637,021,500 | 395 |
| Average equity | $212,326,500 | 329 |
| Average total loans | $1,330,557,000 | 365 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0010% | 6,429 |
| Cost of funding earning assets | 1.5199% | 5,440 |
| Net interest margin | 3.4811% | 5,033 |
| Noninterest income to average assets | 2.8183% | 239 |
| Noninterest expense to average assets | 3.4428% | 2,547 |
| Loan and lease loss provision to assets | 7.5229% | 54 |
| Net operating income to assets | -3.0137% | 7,396 |
| Return on assets (ROA) | -2.9582% | 7,397 |
| Pretax return on assets | -4.7870% | 7,672 |
| Return on Equity (ROE) | -30.7447% | 7,416 |
| Retained earnings to average equity (ytd only) | -30.7447% | 7,402 |
| Net charge-offs to loans | 5.8964% | 178 |
| Credit loss provision to net charge-offs | 203.4822% | 1,903 |
| Earnings coverage of net charge-offs (x) | 0.7165% | 5,385 |
| Efficiency ratio | 55.8951% | 7,033 |
| Assets per employee ($millions) | 7.7403% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9811% | 62 |
| Loan loss allowance to noncurrent loans | 113.9892% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 5.0311% | 1,218 |
| Noncurrent loans to loans | 6.1244% | 1,017 |
| Net loans and leases to total assets | 69.0925% | 3,464 |
| Net loans and leases to deposits | 84.6187% | 3,157 |
| Net loans and leases to core deposits | 93.9033% | 4,684 |
| Total domestic deposits to total assets | 81.6516% | 5,082 |
| Equity capital to assets | 11.8545% | 2,106 |
| Core capital (leverage) ratio | 9.5776% | 3,629 |
| Tier 1 risk-based capital ratio | 11.6998% | 5,198 |
| Total risk-based capital ratio | 13.0012% | 5,113 |
| Memoranda: | ||
| Average total assets | $2,279,052,600 | 321 |
| Average earning assets | $2,143,170,000 | 308 |
| Average equity | $219,283,200 | 328 |
| Average total loans | $1,428,968,400 | 351 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8850% | 6,917 |
| Cost of funding earning assets | 1.4798% | 5,913 |
| Net interest margin | 3.4052% | 5,245 |
| Noninterest income to average assets | 2.7559% | 238 |
| Noninterest expense to average assets | 3.3388% | 2,774 |
| Loan and lease loss provision to assets | 7.8067% | 50 |
| Net operating income to assets | -3.1987% | 7,631 |
| Return on assets (ROA) | -3.1358% | 7,627 |
| Pretax return on assets | -5.0797% | 7,821 |
| Return on Equity (ROE) | -34.1101% | 7,687 |
| Retained earnings to average equity (ytd only) | -34.1101% | 7,679 |
| Net charge-offs to loans | 5.0826% | 218 |
| Credit loss provision to net charge-offs | 253.9697% | 1,687 |
| Earnings coverage of net charge-offs (x) | 0.8552% | 5,202 |
| Efficiency ratio | 55.3398% | 7,086 |
| Assets per employee ($millions) | 8.8955% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8024% | 53 |
| Loan loss allowance to noncurrent loans | 113.7699% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 4.6008% | 1,317 |
| Noncurrent loans to loans | 5.9791% | 993 |
| Net loans and leases to total assets | 61.0341% | 5,420 |
| Net loans and leases to deposits | 72.4474% | 5,584 |
| Net loans and leases to core deposits | 81.3440% | 6,248 |
| Total domestic deposits to total assets | 84.2461% | 3,602 |
| Equity capital to assets | 10.5500% | 3,460 |
| Core capital (leverage) ratio | 8.8550% | 4,888 |
| Tier 1 risk-based capital ratio | 11.7437% | 5,208 |
| Total risk-based capital ratio | 13.0401% | 5,107 |
| Memoranda: | ||
| Average total assets | $2,390,204,500 | 316 |
| Average earning assets | $2,254,325,750 | 308 |
| Average equity | $219,738,000 | 339 |
| Average total loans | $1,445,563,500 | 365 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8446% | 7,141 |
| Cost of funding earning assets | 1.4400% | 6,350 |
| Net interest margin | 3.4047% | 5,144 |
| Noninterest income to average assets | 2.6862% | 241 |
| Noninterest expense to average assets | 3.4983% | 2,339 |
| Loan and lease loss provision to assets | 7.7315% | 76 |
| Net operating income to assets | -3.2738% | 7,723 |
| Return on assets (ROA) | -3.1828% | 7,709 |
| Pretax return on assets | -5.1797% | 7,882 |
| Return on Equity (ROE) | -36.1463% | 7,801 |
| Retained earnings to average equity (ytd only) | -36.1463% | 7,785 |
| Net charge-offs to loans | 4.6052% | 280 |
| Credit loss provision to net charge-offs | 284.3325% | 1,647 |
| Earnings coverage of net charge-offs (x) | 0.8861% | 4,867 |
| Efficiency ratio | 58.6072% | 6,748 |
| Assets per employee ($millions) | 8.8940% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2142% | 111 |
| Loan loss allowance to noncurrent loans | 88.8745% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 4.4566% | 1,262 |
| Noncurrent loans to loans | 5.8669% | 944 |
| Net loans and leases to total assets | 60.6642% | 5,573 |
| Net loans and leases to deposits | 72.7665% | 5,635 |
| Net loans and leases to core deposits | 81.9899% | 6,244 |
| Total domestic deposits to total assets | 83.3684% | 4,082 |
| Equity capital to assets | 9.8466% | 4,154 |
| Core capital (leverage) ratio | 8.6594% | 5,169 |
| Tier 1 risk-based capital ratio | 11.7431% | 5,152 |
| Total risk-based capital ratio | 13.0220% | 5,046 |
| Memoranda: | ||
| Average total assets | $2,478,267,000 | 316 |
| Average earning assets | $2,345,067,000 | 303 |
| Average equity | $218,219,000 | 348 |
| Average total loans | $1,463,316,330 | 369 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 7,506 |
| Cost of funding earning assets | 1.3212% | 6,958 |
| Net interest margin | 3.3823% | 5,206 |
| Noninterest income to average assets | 2.1039% | 333 |
| Noninterest expense to average assets | 3.3456% | 2,512 |
| Loan and lease loss provision to assets | 8.2256% | 63 |
| Net operating income to assets | -3.8122% | 7,966 |
| Return on assets (ROA) | -3.6926% | 7,940 |
| Pretax return on assets | -6.0697% | 8,053 |
| Return on Equity (ROE) | -44.1915% | 8,021 |
| Retained earnings to average equity (ytd only) | -44.1915% | 8,003 |
| Net charge-offs to loans | 2.5874% | 529 |
| Credit loss provision to net charge-offs | 558.6358% | 1,006 |
| Earnings coverage of net charge-offs (x) | 1.3373% | 4,072 |
| Efficiency ratio | 62.3558% | 5,990 |
| Assets per employee ($millions) | 9.6171% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0811% | 207 |
| Loan loss allowance to noncurrent loans | 70.3029% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 3.6151% | 1,469 |
| Noncurrent loans to loans | 5.8051% | 843 |
| Net loans and leases to total assets | 53.7686% | 6,496 |
| Net loans and leases to deposits | 70.6928% | 5,905 |
| Net loans and leases to core deposits | 75.5805% | 6,708 |
| Total domestic deposits to total assets | 76.0595% | 6,497 |
| Equity capital to assets | 7.8404% | 7,018 |
| Core capital (leverage) ratio | 7.1476% | 7,528 |
| Tier 1 risk-based capital ratio | 10.6249% | 6,266 |
| Total risk-based capital ratio | 11.8907% | 6,168 |
| Memoranda: | ||
| Average total assets | $2,596,760,000 | 300 |
| Average earning assets | $2,465,036,000 | 288 |
| Average equity | $216,983,000 | 349 |
| Average total loans | $1,477,749,000 | 370 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3167% | 3,873 |
| Cost of funding earning assets | 3.0528% | 1,673 |
| Net interest margin | 3.2640% | 6,168 |
| Noninterest income to average assets | 2.9436% | 203 |
| Noninterest expense to average assets | 3.9852% | 1,442 |
| Loan and lease loss provision to assets | 1.5541% | 857 |
| Net operating income to assets | 0.3192% | 5,484 |
| Return on assets (ROA) | 0.3617% | 5,107 |
| Pretax return on assets | 0.5896% | 4,725 |
| Return on Equity (ROE) | 3.3332% | 5,107 |
| Retained earnings to average equity (ytd only) | 3.3332% | 3,071 |
| Net charge-offs to loans | 1.6789% | 662 |
| Credit loss provision to net charge-offs | 133.6060% | 3,976 |
| Earnings coverage of net charge-offs (x) | 1.7857% | 5,182 |
| Efficiency ratio | 65.0415% | 5,317 |
| Assets per employee ($millions) | 9.1389% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 4,519 |
| Loan loss allowance to noncurrent loans | 28.1285% | 6,826 |
| Noncurrent assets plus other real estate owned to assets | 2.8843% | 1,614 |
| Noncurrent loans to loans | 4.2731% | 1,137 |
| Net loans and leases to total assets | 57.0830% | 6,324 |
| Net loans and leases to deposits | 66.3047% | 6,621 |
| Net loans and leases to core deposits | 69.5568% | 7,216 |
| Total domestic deposits to total assets | 86.0919% | 2,361 |
| Equity capital to assets | 8.8829% | 5,521 |
| Core capital (leverage) ratio | 8.7370% | 5,138 |
| Tier 1 risk-based capital ratio | 12.7219% | 4,277 |
| Total risk-based capital ratio | 13.7235% | 4,356 |
| Memoranda: | ||
| Average total assets | $2,007,603,200 | 362 |
| Average earning assets | $1,918,345,000 | 341 |
| Average equity | $217,869,800 | 342 |
| Average total loans | $1,390,999,600 | 379 |