Home > M&I Marshall and Ilsley Bank > Performance and Condition Ratios
M&I Marshall and Ilsley 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 | 4.2076% | 6,264 |
| Cost of funding earning assets | 1.0467% | 3,628 |
| Net interest margin | 3.1609% | 6,259 |
| Noninterest income to average assets | 0.8300% | 1,893 |
| Noninterest expense to average assets | 2.3228% | 6,060 |
| Loan and lease loss provision to assets | 3.0245% | 149 |
| Net operating income to assets | -0.9874% | 6,937 |
| Return on assets (ROA) | -0.9221% | 6,920 |
| Pretax return on assets | -1.6298% | 7,104 |
| Return on Equity (ROE) | -7.7953% | 6,858 |
| Retained earnings to average equity (ytd only) | -7.7953% | 6,764 |
| Net charge-offs to loans | 4.0769% | 199 |
| Credit loss provision to net charge-offs | 101.9226% | 3,035 |
| Earnings coverage of net charge-offs (x) | 0.4353% | 4,977 |
| Efficiency ratio | 63.5172% | 5,331 |
| Assets per employee ($millions) | 7.2284% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9390% | 433 |
| Loan loss allowance to noncurrent loans | 81.0074% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 4.3269% | 1,469 |
| Noncurrent loans to loans | 4.8625% | 1,355 |
| Net loans and leases to total assets | 70.8016% | 2,051 |
| Net loans and leases to deposits | 92.8040% | 974 |
| Net loans and leases to core deposits | 108.2242% | 805 |
| Total domestic deposits to total assets | 75.4643% | 6,679 |
| Equity capital to assets | 12.3928% | 1,849 |
| Core capital (leverage) ratio | 8.3387% | 5,808 |
| Tier 1 risk-based capital ratio | 10.4470% | 6,809 |
| Total risk-based capital ratio | 13.5599% | 5,490 |
| Memoranda: | ||
| Average total assets | $47,375,319,000 | 38 |
| Average earning assets | $41,733,846,330 | 39 |
| Average equity | $5,603,869,670 | 36 |
| Average total loans | $34,482,645,000 | 31 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 6,285 |
| Cost of funding earning assets | 1.0537% | 3,830 |
| Net interest margin | 3.1424% | 6,238 |
| Noninterest income to average assets | 0.8361% | 1,899 |
| Noninterest expense to average assets | 2.1900% | 6,445 |
| Loan and lease loss provision to assets | 3.2998% | 140 |
| Net operating income to assets | -1.0805% | 7,064 |
| Return on assets (ROA) | -1.0833% | 7,073 |
| Pretax return on assets | -1.8768% | 7,233 |
| Return on Equity (ROE) | -9.3651% | 7,008 |
| Retained earnings to average equity (ytd only) | -9.3651% | 6,834 |
| Net charge-offs to loans | 4.4055% | 192 |
| Credit loss provision to net charge-offs | 103.5126% | 2,561 |
| Earnings coverage of net charge-offs (x) | 0.4475% | 4,285 |
| Efficiency ratio | 59.8296% | 6,006 |
| Assets per employee ($millions) | 7.5875% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8111% | 482 |
| Loan loss allowance to noncurrent loans | 85.1234% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 3.8898% | 1,720 |
| Noncurrent loans to loans | 4.4772% | 1,565 |
| Net loans and leases to total assets | 68.6525% | 2,414 |
| Net loans and leases to deposits | 88.6270% | 1,395 |
| Net loans and leases to core deposits | 111.0147% | 682 |
| Total domestic deposits to total assets | 75.9661% | 6,674 |
| Equity capital to assets | 11.6960% | 2,127 |
| Core capital (leverage) ratio | 8.1284% | 6,081 |
| Tier 1 risk-based capital ratio | 10.5083% | 6,795 |
| Total risk-based capital ratio | 13.7289% | 5,262 |
| Memoranda: | ||
| Average total assets | $48,575,343,500 | 38 |
| Average earning assets | $42,979,970,500 | 39 |
| Average equity | $5,618,964,500 | 36 |
| Average total loans | $35,149,490,500 | 30 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4071% | 6,605 |
| Cost of funding earning assets | 1.1953% | 4,589 |
| Net interest margin | 3.2118% | 6,247 |
| Noninterest income to average assets | 0.8156% | 2,198 |
| Noninterest expense to average assets | 2.3284% | 6,277 |
| Loan and lease loss provision to assets | 3.1514% | 285 |
| Net operating income to assets | -1.0459% | 6,712 |
| Return on assets (ROA) | -0.9518% | 6,691 |
| Pretax return on assets | -1.6538% | 6,915 |
| Return on Equity (ROE) | -8.7741% | 6,664 |
| Retained earnings to average equity (ytd only) | -8.7741% | 6,577 |
| Net charge-offs to loans | 4.4239% | 254 |
| Credit loss provision to net charge-offs | 94.7076% | 4,906 |
| Earnings coverage of net charge-offs (x) | 0.4056% | 5,701 |
| Efficiency ratio | 62.5466% | 5,616 |
| Assets per employee ($millions) | 7.3846% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5859% | 554 |
| Loan loss allowance to noncurrent loans | 84.5407% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 3.7847% | 1,808 |
| Noncurrent loans to loans | 4.2417% | 1,711 |
| Net loans and leases to total assets | 70.6966% | 2,371 |
| Net loans and leases to deposits | 91.0241% | 1,396 |
| Net loans and leases to core deposits | 114.0747% | 727 |
| Total domestic deposits to total assets | 76.0315% | 6,632 |
| Equity capital to assets | 11.4420% | 2,312 |
| Core capital (leverage) ratio | 8.2647% | 5,733 |
| Tier 1 risk-based capital ratio | 10.3869% | 6,769 |
| Total risk-based capital ratio | 13.5229% | 5,195 |
| Memoranda: | ||
| Average total assets | $52,880,109,000 | 35 |
| Average earning assets | $47,125,939,200 | 36 |
| Average equity | $5,736,529,000 | 32 |
| Average total loans | $39,774,793,800 | 28 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 6,779 |
| Cost of funding earning assets | 1.2215% | 4,731 |
| Net interest margin | 3.2027% | 6,334 |
| Noninterest income to average assets | 0.7962% | 2,251 |
| Noninterest expense to average assets | 2.2601% | 6,438 |
| Loan and lease loss provision to assets | 3.1075% | 268 |
| Net operating income to assets | -1.0103% | 6,907 |
| Return on assets (ROA) | -0.9631% | 6,922 |
| Pretax return on assets | -1.6391% | 7,085 |
| Return on Equity (ROE) | -8.9905% | 6,883 |
| Retained earnings to average equity (ytd only) | -8.9905% | 6,826 |
| Net charge-offs to loans | 4.4113% | 238 |
| Credit loss provision to net charge-offs | 93.1187% | 4,655 |
| Earnings coverage of net charge-offs (x) | 0.4176% | 5,602 |
| Efficiency ratio | 61.1053% | 5,770 |
| Assets per employee ($millions) | 7.3856% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3544% | 599 |
| Loan loss allowance to noncurrent loans | 83.0180% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 3.9460% | 1,779 |
| Noncurrent loans to loans | 4.0406% | 1,848 |
| Net loans and leases to total assets | 74.4522% | 1,699 |
| Net loans and leases to deposits | 98.1324% | 784 |
| Net loans and leases to core deposits | 125.9817% | 451 |
| Total domestic deposits to total assets | 74.1403% | 6,905 |
| Equity capital to assets | 11.7061% | 2,351 |
| Core capital (leverage) ratio | 8.4504% | 5,602 |
| Tier 1 risk-based capital ratio | 10.0842% | 7,021 |
| Total risk-based capital ratio | 13.2096% | 5,470 |
| Memoranda: | ||
| Average total assets | $53,814,025,500 | 35 |
| Average earning assets | $48,015,122,500 | 35 |
| Average equity | $5,764,880,000 | 32 |
| Average total loans | $40,709,574,500 | 28 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 6,710 |
| Cost of funding earning assets | 1.2459% | 4,859 |
| Net interest margin | 3.2556% | 6,151 |
| Noninterest income to average assets | 0.9044% | 1,677 |
| Noninterest expense to average assets | 2.2310% | 6,568 |
| Loan and lease loss provision to assets | 3.2483% | 289 |
| Net operating income to assets | -0.9679% | 6,930 |
| Return on assets (ROA) | -0.9647% | 6,947 |
| Pretax return on assets | -1.6488% | 7,126 |
| Return on Equity (ROE) | -9.8597% | 6,963 |
| Retained earnings to average equity (ytd only) | -9.8597% | 6,910 |
| Net charge-offs to loans | 4.0238% | 320 |
| Credit loss provision to net charge-offs | 103.7892% | 3,929 |
| Earnings coverage of net charge-offs (x) | 0.5091% | 5,219 |
| Efficiency ratio | 57.7697% | 6,407 |
| Assets per employee ($millions) | 7.1745% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6845% | 479 |
| Loan loss allowance to noncurrent loans | 80.8317% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 4.4368% | 1,499 |
| Noncurrent loans to loans | 4.5582% | 1,591 |
| Net loans and leases to total assets | 75.1059% | 1,672 |
| Net loans and leases to deposits | 101.7497% | 605 |
| Net loans and leases to core deposits | 134.0160% | 364 |
| Total domestic deposits to total assets | 71.1207% | 7,257 |
| Equity capital to assets | 10.0743% | 3,918 |
| Core capital (leverage) ratio | 7.6384% | 6,691 |
| Tier 1 risk-based capital ratio | 9.2248% | 7,364 |
| Total risk-based capital ratio | 12.7786% | 5,716 |
| Memoranda: | ||
| Average total assets | $49,283,441,670 | 36 |
| Average earning assets | $44,202,599,670 | 37 |
| Average equity | $4,822,055,000 | 41 |
| Average total loans | $38,333,442,000 | 28 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4545% | 6,884 |
| Cost of funding earning assets | 1.2667% | 5,029 |
| Net interest margin | 3.1878% | 6,326 |
| Noninterest income to average assets | 1.0827% | 1,084 |
| Noninterest expense to average assets | 2.1249% | 6,875 |
| Loan and lease loss provision to assets | 3.3498% | 279 |
| Net operating income to assets | -0.8865% | 7,054 |
| Return on assets (ROA) | -0.8898% | 7,082 |
| Pretax return on assets | -1.5297% | 7,266 |
| Return on Equity (ROE) | -9.2236% | 7,106 |
| Retained earnings to average equity (ytd only) | -9.2236% | 6,913 |
| Net charge-offs to loans | 3.7886% | 366 |
| Credit loss provision to net charge-offs | 113.8126% | 3,049 |
| Earnings coverage of net charge-offs (x) | 0.6197% | 4,473 |
| Efficiency ratio | 53.2711% | 7,042 |
| Assets per employee ($millions) | 7.6332% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6246% | 493 |
| Loan loss allowance to noncurrent loans | 75.9903% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 4.5003% | 1,498 |
| Noncurrent loans to loans | 4.7699% | 1,542 |
| Net loans and leases to total assets | 73.6807% | 2,040 |
| Net loans and leases to deposits | 98.9316% | 825 |
| Net loans and leases to core deposits | 134.4220% | 401 |
| Total domestic deposits to total assets | 70.9006% | 7,349 |
| Equity capital to assets | 9.6333% | 4,328 |
| Core capital (leverage) ratio | 7.7655% | 6,546 |
| Tier 1 risk-based capital ratio | 9.1977% | 7,427 |
| Total risk-based capital ratio | 12.7842% | 5,621 |
| Memoranda: | ||
| Average total assets | $50,159,743,000 | 36 |
| Average earning assets | $45,098,408,000 | 35 |
| Average equity | $4,838,877,000 | 40 |
| Average total loans | $38,968,124,000 | 26 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 7,350 |
| Cost of funding earning assets | 1.5837% | 5,108 |
| Net interest margin | 2.9543% | 6,743 |
| Noninterest income to average assets | 0.6961% | 3,004 |
| Noninterest expense to average assets | 2.1526% | 7,081 |
| Loan and lease loss provision to assets | 3.9510% | 350 |
| Net operating income to assets | -1.5247% | 6,871 |
| Return on assets (ROA) | -1.3864% | 6,812 |
| Pretax return on assets | -2.5062% | 7,145 |
| Return on Equity (ROE) | -15.9479% | 6,986 |
| Retained earnings to average equity (ytd only) | -15.9479% | 6,935 |
| Net charge-offs to loans | 4.4218% | 338 |
| Credit loss provision to net charge-offs | 110.6901% | 4,972 |
| Earnings coverage of net charge-offs (x) | 0.3439% | 5,771 |
| Efficiency ratio | 62.9702% | 5,976 |
| Assets per employee ($millions) | 7.5992% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3696% | 589 |
| Loan loss allowance to noncurrent loans | 69.5443% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 4.6298% | 1,384 |
| Noncurrent loans to loans | 4.8453% | 1,419 |
| Net loans and leases to total assets | 76.2603% | 1,735 |
| Net loans and leases to deposits | 105.1221% | 595 |
| Net loans and leases to core deposits | 119.1209% | 2,020 |
| Total domestic deposits to total assets | 69.0412% | 7,487 |
| Equity capital to assets | 9.6605% | 4,200 |
| Core capital (leverage) ratio | 7.8198% | 6,423 |
| Tier 1 risk-based capital ratio | 9.1865% | 7,382 |
| Total risk-based capital ratio | 12.7162% | 5,394 |
| Memoranda: | ||
| Average total assets | $53,055,281,600 | 33 |
| Average earning assets | $48,199,006,600 | 34 |
| Average equity | $4,612,283,200 | 37 |
| Average total loans | $42,827,709,400 | 25 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 7,469 |
| Cost of funding earning assets | 1.6217% | 5,298 |
| Net interest margin | 2.9156% | 6,821 |
| Noninterest income to average assets | 0.6922% | 3,072 |
| Noninterest expense to average assets | 2.1070% | 7,176 |
| Loan and lease loss provision to assets | 3.7419% | 341 |
| Net operating income to assets | -1.3655% | 7,045 |
| Return on assets (ROA) | -1.2409% | 6,989 |
| Pretax return on assets | -2.3058% | 7,287 |
| Return on Equity (ROE) | -14.6549% | 7,172 |
| Retained earnings to average equity (ytd only) | -14.6549% | 7,115 |
| Net charge-offs to loans | 4.2081% | 318 |
| Credit loss provision to net charge-offs | 109.5845% | 4,641 |
| Earnings coverage of net charge-offs (x) | 0.3632% | 5,661 |
| Efficiency ratio | 62.2336% | 6,067 |
| Assets per employee ($millions) | 7.7203% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0602% | 641 |
| Loan loss allowance to noncurrent loans | 59.6244% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 4.7401% | 1,256 |
| Noncurrent loans to loans | 5.1325% | 1,259 |
| Net loans and leases to total assets | 77.7577% | 1,620 |
| Net loans and leases to deposits | 111.6174% | 408 |
| Net loans and leases to core deposits | 127.1602% | 1,643 |
| Total domestic deposits to total assets | 66.7359% | 7,648 |
| Equity capital to assets | 8.8460% | 5,718 |
| Core capital (leverage) ratio | 7.1949% | 7,271 |
| Tier 1 risk-based capital ratio | 8.1741% | 7,767 |
| Total risk-based capital ratio | 11.9484% | 6,225 |
| Memoranda: | ||
| Average total assets | $53,755,707,500 | 35 |
| Average earning assets | $48,951,314,250 | 34 |
| Average equity | $4,551,664,250 | 38 |
| Average total loans | $43,619,651,250 | 27 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5488% | 7,586 |
| Cost of funding earning assets | 1.6416% | 5,554 |
| Net interest margin | 2.9072% | 6,784 |
| Noninterest income to average assets | 0.6027% | 3,668 |
| Noninterest expense to average assets | 2.0586% | 7,360 |
| Loan and lease loss provision to assets | 3.6006% | 385 |
| Net operating income to assets | -1.2353% | 7,131 |
| Return on assets (ROA) | -1.0571% | 7,023 |
| Pretax return on assets | -2.1227% | 7,320 |
| Return on Equity (ROE) | -12.6633% | 7,209 |
| Retained earnings to average equity (ytd only) | -12.6633% | 7,094 |
| Net charge-offs to loans | 3.9434% | 360 |
| Credit loss provision to net charge-offs | 112.1202% | 4,129 |
| Earnings coverage of net charge-offs (x) | 0.3731% | 5,310 |
| Efficiency ratio | 62.4839% | 6,171 |
| Assets per employee ($millions) | 7.7341% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8523% | 647 |
| Loan loss allowance to noncurrent loans | 54.0438% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 4.9417% | 1,084 |
| Noncurrent loans to loans | 5.2778% | 1,129 |
| Net loans and leases to total assets | 79.7290% | 1,356 |
| Net loans and leases to deposits | 116.6156% | 316 |
| Net loans and leases to core deposits | 142.8404% | 898 |
| Total domestic deposits to total assets | 63.2230% | 7,858 |
| Equity capital to assets | 8.6459% | 5,826 |
| Core capital (leverage) ratio | 7.3259% | 7,215 |
| Tier 1 risk-based capital ratio | 8.1064% | 7,902 |
| Total risk-based capital ratio | 12.0612% | 6,004 |
| Memoranda: | ||
| Average total assets | $54,483,833,670 | 36 |
| Average earning assets | $49,742,201,000 | 35 |
| Average equity | $4,548,215,330 | 39 |
| Average total loans | $44,370,678,670 | 26 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5272% | 7,691 |
| Cost of funding earning assets | 1.6411% | 5,854 |
| Net interest margin | 2.8861% | 6,776 |
| Noninterest income to average assets | 0.6489% | 3,205 |
| Noninterest expense to average assets | 1.8220% | 7,673 |
| Loan and lease loss provision to assets | 3.0088% | 360 |
| Net operating income to assets | -0.5520% | 6,929 |
| Return on assets (ROA) | -0.5544% | 6,977 |
| Pretax return on assets | -1.5402% | 7,381 |
| Return on Equity (ROE) | -6.7574% | 7,126 |
| Retained earnings to average equity (ytd only) | -6.7574% | 6,767 |
| Net charge-offs to loans | 2.7437% | 479 |
| Credit loss provision to net charge-offs | 135.1596% | 2,997 |
| Earnings coverage of net charge-offs (x) | 0.6610% | 4,473 |
| Efficiency ratio | 54.6153% | 7,157 |
| Assets per employee ($millions) | 8.0097% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7922% | 584 |
| Loan loss allowance to noncurrent loans | 63.1909% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 4.1485% | 1,223 |
| Noncurrent loans to loans | 4.4187% | 1,318 |
| Net loans and leases to total assets | 78.6266% | 1,662 |
| Net loans and leases to deposits | 125.0264% | 201 |
| Net loans and leases to core deposits | 155.1485% | 577 |
| Total domestic deposits to total assets | 58.4352% | 8,001 |
| Equity capital to assets | 8.2413% | 6,477 |
| Core capital (leverage) ratio | 7.2891% | 7,391 |
| Tier 1 risk-based capital ratio | 8.0005% | 8,011 |
| Total risk-based capital ratio | 11.8821% | 6,178 |
| Memoranda: | ||
| Average total assets | $55,240,332,000 | 37 |
| Average earning assets | $50,616,382,500 | 37 |
| Average equity | $4,532,429,000 | 39 |
| Average total loans | $44,819,457,500 | 27 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8018% | 6,420 |
| Cost of funding earning assets | 2.5891% | 3,728 |
| Net interest margin | 3.2127% | 6,333 |
| Noninterest income to average assets | 0.7114% | 3,044 |
| Noninterest expense to average assets | 4.6222% | 801 |
| Loan and lease loss provision to assets | 3.4767% | 232 |
| Net operating income to assets | -3.6684% | 7,937 |
| Return on assets (ROA) | -3.6331% | 7,911 |
| Pretax return on assets | -4.4445% | 7,961 |
| Return on Equity (ROE) | -39.1858% | 8,071 |
| Retained earnings to average equity (ytd only) | -40.3494% | 8,050 |
| Net charge-offs to loans | 2.9293% | 304 |
| Credit loss provision to net charge-offs | 149.5752% | 3,525 |
| Earnings coverage of net charge-offs (x) | -0.4349% | 6,467 |
| Efficiency ratio | 51.5682% | 7,537 |
| Assets per employee ($millions) | 7.7963% | 493 |
| Cash dividends to net income (ytd only)* | -2.9694% | 7,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5112% | 670 |
| Loan loss allowance to noncurrent loans | 78.6971% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 3.1292% | 1,464 |
| Noncurrent loans to loans | 3.1909% | 1,651 |
| Net loans and leases to total assets | 79.3398% | 1,811 |
| Net loans and leases to deposits | 122.6381% | 336 |
| Net loans and leases to core deposits | 157.0854% | 642 |
| Total domestic deposits to total assets | 57.8335% | 8,019 |
| Equity capital to assets | 8.1689% | 6,600 |
| Core capital (leverage) ratio | 7.4176% | 7,293 |
| Tier 1 risk-based capital ratio | 8.2681% | 8,039 |
| Total risk-based capital ratio | 12.1808% | 5,704 |
| Memoranda: | ||
| Average total assets | $56,170,123,600 | 35 |
| Average earning assets | $50,702,303,400 | 34 |
| Average equity | $5,207,761,600 | 34 |
| Average total loans | $44,570,103,200 | 27 |