Home > Maroa Forsyth Community Bank > Performance and Condition Ratios
Maroa Forsyth Community 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 | 4.3343% | 5,895 |
| Cost of funding earning assets | 0.4180% | 7,088 |
| Net interest margin | 3.9162% | 3,235 |
| Noninterest income to average assets | 0.9368% | 1,503 |
| Noninterest expense to average assets | 4.0759% | 936 |
| Loan and lease loss provision to assets | 1.2955% | 574 |
| Net operating income to assets | -0.8869% | 6,905 |
| Return on assets (ROA) | -0.1495% | 6,460 |
| Pretax return on assets | -0.1495% | 6,412 |
| Return on Equity (ROE) | -1.0499% | 6,409 |
| Retained earnings to average equity (ytd only) | -1.7499% | 6,206 |
| Net charge-offs to loans | 0.0906% | 4,760 |
| Credit loss provision to net charge-offs | 3,250.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 1,833 |
| Efficiency ratio | 90.8889% | 1,174 |
| Assets per employee ($millions) | 2.4529% | 6,966 |
| Cash dividends to net income (ytd only)* | -66.6667% | 7,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6642% | 1,218 |
| Loan loss allowance to noncurrent loans | 31.3754% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 4.3317% | 1,467 |
| Noncurrent loans to loans | 8.4915% | 505 |
| Net loans and leases to total assets | 40.7736% | 6,683 |
| Net loans and leases to deposits | 47.8357% | 6,735 |
| Net loans and leases to core deposits | 49.5786% | 6,777 |
| Total domestic deposits to total assets | 85.2367% | 3,764 |
| Equity capital to assets | 14.4524% | 953 |
| Core capital (leverage) ratio | 12.6503% | 1,305 |
| Tier 1 risk-based capital ratio | 18.5755% | 1,977 |
| Total risk-based capital ratio | 20.1803% | 1,831 |
| Memoranda: | ||
| Average total assets | $20,069,000 | 7,350 |
| Average earning assets | $18,180,670 | 7,326 |
| Average equity | $2,857,330 | 7,163 |
| Average total loans | $8,829,330 | 7,288 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 5,395 |
| Cost of funding earning assets | 0.4742% | 7,052 |
| Net interest margin | 4.0089% | 2,652 |
| Noninterest income to average assets | 1.0250% | 1,254 |
| Noninterest expense to average assets | 4.1593% | 855 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5322% | 4,342 |
| Return on assets (ROA) | 0.5322% | 4,430 |
| Pretax return on assets | 0.5322% | 4,922 |
| Return on Equity (ROE) | 3.7657% | 5,014 |
| Retained earnings to average equity (ytd only) | 3.7657% | 3,911 |
| Net charge-offs to loans | 0.1752% | 3,441 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 2,053 |
| Efficiency ratio | 88.6555% | 1,451 |
| Assets per employee ($millions) | 2.5580% | 6,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 6,255 |
| Loan loss allowance to noncurrent loans | 24.6537% | 6,563 |
| Noncurrent assets plus other real estate owned to assets | 2.5068% | 2,726 |
| Noncurrent loans to loans | 4.2158% | 1,694 |
| Net loans and leases to total assets | 41.4093% | 6,681 |
| Net loans and leases to deposits | 48.4395% | 6,725 |
| Net loans and leases to core deposits | 51.4793% | 6,705 |
| Total domestic deposits to total assets | 85.4867% | 3,788 |
| Equity capital to assets | 14.1566% | 961 |
| Core capital (leverage) ratio | 12.4531% | 1,344 |
| Tier 1 risk-based capital ratio | 18.8589% | 1,844 |
| Total risk-based capital ratio | 19.5074% | 1,990 |
| Memoranda: | ||
| Average total assets | $20,292,000 | 7,397 |
| Average earning assets | $18,558,500 | 7,373 |
| Average equity | $2,868,000 | 7,206 |
| Average total loans | $9,134,000 | 7,339 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9455% | 4,804 |
| Cost of funding earning assets | 0.6863% | 6,921 |
| Net interest margin | 4.2593% | 1,958 |
| Noninterest income to average assets | 1.1151% | 1,190 |
| Noninterest expense to average assets | 4.1398% | 969 |
| Loan and lease loss provision to assets | 0.2872% | 4,503 |
| Net operating income to assets | 0.4262% | 4,428 |
| Return on assets (ROA) | 0.4499% | 4,480 |
| Pretax return on assets | 0.4547% | 4,780 |
| Return on Equity (ROE) | 3.2358% | 4,847 |
| Retained earnings to average equity (ytd only) | 1.6179% | 4,710 |
| Net charge-offs to loans | 0.6370% | 3,110 |
| Credit loss provision to net charge-offs | 103.4483% | 4,350 |
| Earnings coverage of net charge-offs (x) | 2.5862% | 3,810 |
| Efficiency ratio | 85.2217% | 1,778 |
| Assets per employee ($millions) | 1.8291% | 7,481 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 6,538 |
| Loan loss allowance to noncurrent loans | 26.1236% | 6,530 |
| Noncurrent assets plus other real estate owned to assets | 2.5249% | 2,743 |
| Noncurrent loans to loans | 3.6682% | 2,035 |
| Net loans and leases to total assets | 47.7734% | 6,413 |
| Net loans and leases to deposits | 56.3060% | 6,415 |
| Net loans and leases to core deposits | 59.0055% | 6,474 |
| Total domestic deposits to total assets | 84.8459% | 3,928 |
| Equity capital to assets | 14.1103% | 1,000 |
| Core capital (leverage) ratio | 11.9496% | 1,586 |
| Tier 1 risk-based capital ratio | 17.2435% | 2,248 |
| Total risk-based capital ratio | 17.8721% | 2,459 |
| Memoranda: | ||
| Average total assets | $20,894,600 | 7,445 |
| Average earning assets | $18,360,000 | 7,439 |
| Average equity | $2,905,000 | 7,300 |
| Average total loans | $9,104,800 | 7,427 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9551% | 5,015 |
| Cost of funding earning assets | 0.7484% | 6,921 |
| Net interest margin | 4.2067% | 2,195 |
| Noninterest income to average assets | 1.0116% | 1,437 |
| Noninterest expense to average assets | 4.1222% | 914 |
| Loan and lease loss provision to assets | 0.3794% | 3,614 |
| Net operating income to assets | 0.1654% | 5,604 |
| Return on assets (ROA) | 0.1960% | 5,679 |
| Pretax return on assets | 0.2023% | 5,729 |
| Return on Equity (ROE) | 1.4147% | 5,790 |
| Retained earnings to average equity (ytd only) | -0.7301% | 5,969 |
| Net charge-offs to loans | 0.8636% | 2,286 |
| Credit loss provision to net charge-offs | 103.4483% | 4,144 |
| Earnings coverage of net charge-offs (x) | 1.5001% | 4,605 |
| Efficiency ratio | 88.2273% | 1,439 |
| Assets per employee ($millions) | 2.0920% | 7,470 |
| Cash dividends to net income (ytd only)* | 151.6332% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 6,303 |
| Loan loss allowance to noncurrent loans | 20.9459% | 6,862 |
| Noncurrent assets plus other real estate owned to assets | 2.5900% | 2,789 |
| Noncurrent loans to loans | 4.8711% | 1,444 |
| Net loans and leases to total assets | 39.2056% | 7,120 |
| Net loans and leases to deposits | 45.0245% | 7,206 |
| Net loans and leases to core deposits | 46.8505% | 7,239 |
| Total domestic deposits to total assets | 87.0763% | 2,482 |
| Equity capital to assets | 12.6760% | 1,767 |
| Core capital (leverage) ratio | 11.0770% | 2,205 |
| Tier 1 risk-based capital ratio | 17.2567% | 2,258 |
| Total risk-based capital ratio | 17.9023% | 2,446 |
| Memoranda: | ||
| Average total assets | $21,088,250 | 7,532 |
| Average earning assets | $18,351,000 | 7,537 |
| Average equity | $2,921,500 | 7,393 |
| Average total loans | $8,954,750 | 7,527 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3420% | 3,253 |
| Cost of funding earning assets | 0.8035% | 6,907 |
| Net interest margin | 4.5385% | 1,127 |
| Noninterest income to average assets | 1.0760% | 1,162 |
| Noninterest expense to average assets | 4.1571% | 856 |
| Loan and lease loss provision to assets | 0.4108% | 3,265 |
| Net operating income to assets | 0.5879% | 3,923 |
| Return on assets (ROA) | 0.6358% | 3,841 |
| Pretax return on assets | 0.6456% | 4,418 |
| Return on Equity (ROE) | 4.4475% | 4,569 |
| Retained earnings to average equity (ytd only) | 1.2316% | 5,258 |
| Net charge-offs to loans | 1.3931% | 1,368 |
| Credit loss provision to net charge-offs | 67.7419% | 5,027 |
| Earnings coverage of net charge-offs (x) | 1.6613% | 4,259 |
| Efficiency ratio | 80.4924% | 2,371 |
| Assets per employee ($millions) | 1.8747% | 7,624 |
| Cash dividends to net income (ytd only)* | 72.3077% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8295% | 6,965 |
| Loan loss allowance to noncurrent loans | 262.9630% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 1.5857% | 4,081 |
| Noncurrent loans to loans | 0.3155% | 6,595 |
| Net loans and leases to total assets | 41.1599% | 7,089 |
| Net loans and leases to deposits | 48.1753% | 7,155 |
| Net loans and leases to core deposits | 53.3266% | 7,067 |
| Total domestic deposits to total assets | 85.4379% | 3,397 |
| Equity capital to assets | 14.2518% | 1,087 |
| Core capital (leverage) ratio | 12.2962% | 1,497 |
| Tier 1 risk-based capital ratio | 22.6244% | 1,107 |
| Total risk-based capital ratio | 23.2621% | 1,175 |
| Memoranda: | ||
| Average total assets | $20,447,000 | 7,617 |
| Average earning assets | $18,420,000 | 7,602 |
| Average equity | $2,923,000 | 7,440 |
| Average total loans | $8,901,330 | 7,594 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3947% | 3,059 |
| Cost of funding earning assets | 0.8266% | 7,012 |
| Net interest margin | 4.5681% | 1,009 |
| Noninterest income to average assets | 1.0806% | 1,088 |
| Noninterest expense to average assets | 4.4795% | 592 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7093% | 3,397 |
| Return on assets (ROA) | 0.8055% | 3,035 |
| Pretax return on assets | 0.8252% | 3,767 |
| Return on Equity (ROE) | 5.6261% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.6261% | 2,803 |
| Net charge-offs to loans | -0.1323% | 7,579 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0377% | 1,791 |
| Assets per employee ($millions) | 1.7773% | 7,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 6,154 |
| Loan loss allowance to noncurrent loans | 17.0909% | 7,146 |
| Noncurrent assets plus other real estate owned to assets | 2.8133% | 2,583 |
| Noncurrent loans to loans | 6.2479% | 1,028 |
| Net loans and leases to total assets | 44.5473% | 6,947 |
| Net loans and leases to deposits | 52.6478% | 7,004 |
| Net loans and leases to core deposits | 58.6425% | 6,841 |
| Total domestic deposits to total assets | 84.6138% | 3,851 |
| Equity capital to assets | 15.0281% | 878 |
| Core capital (leverage) ratio | 12.2235% | 1,536 |
| Tier 1 risk-based capital ratio | 23.3833% | 1,023 |
| Total risk-based capital ratio | 24.2480% | 1,054 |
| Memoranda: | ||
| Average total assets | $20,359,500 | 7,715 |
| Average earning assets | $18,388,500 | 7,696 |
| Average equity | $2,915,000 | 7,519 |
| Average total loans | $9,072,500 | 7,686 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3309% | 5,021 |
| Cost of funding earning assets | 0.8920% | 7,420 |
| Net interest margin | 4.4389% | 1,319 |
| Noninterest income to average assets | 1.5155% | 626 |
| Noninterest expense to average assets | 3.9385% | 1,454 |
| Loan and lease loss provision to assets | 0.4923% | 3,914 |
| Net operating income to assets | 1.1587% | 1,363 |
| Return on assets (ROA) | 1.1873% | 1,325 |
| Pretax return on assets | 1.1970% | 1,963 |
| Return on Equity (ROE) | 8.3063% | 2,260 |
| Retained earnings to average equity (ytd only) | -2.1610% | 5,550 |
| Net charge-offs to loans | 0.7247% | 3,020 |
| Credit loss provision to net charge-offs | 156.9231% | 2,876 |
| Earnings coverage of net charge-offs (x) | 5.2923% | 2,637 |
| Efficiency ratio | 70.3448% | 4,550 |
| Assets per employee ($millions) | 1.9245% | 7,770 |
| Cash dividends to net income (ytd only)* | 126.0163% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 6,517 |
| Loan loss allowance to noncurrent loans | 16.0494% | 7,209 |
| Noncurrent assets plus other real estate owned to assets | 2.6784% | 2,622 |
| Noncurrent loans to loans | 6.0694% | 1,032 |
| Net loans and leases to total assets | 43.7007% | 7,134 |
| Net loans and leases to deposits | 50.8018% | 7,213 |
| Net loans and leases to core deposits | 61.5789% | 7,208 |
| Total domestic deposits to total assets | 86.0220% | 3,009 |
| Equity capital to assets | 13.6615% | 1,262 |
| Core capital (leverage) ratio | 11.6158% | 1,856 |
| Tier 1 risk-based capital ratio | 21.4512% | 1,224 |
| Total risk-based capital ratio | 22.2318% | 1,267 |
| Memoranda: | ||
| Average total assets | $20,718,600 | 7,754 |
| Average earning assets | $19,058,800 | 7,730 |
| Average equity | $2,961,600 | 7,595 |
| Average total loans | $8,968,800 | 7,743 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3998% | 4,950 |
| Cost of funding earning assets | 0.8941% | 7,571 |
| Net interest margin | 4.5057% | 1,182 |
| Noninterest income to average assets | 1.6241% | 557 |
| Noninterest expense to average assets | 3.9081% | 1,414 |
| Loan and lease loss provision to assets | 0.4659% | 3,577 |
| Net operating income to assets | 1.4119% | 997 |
| Return on assets (ROA) | 1.5464% | 792 |
| Pretax return on assets | 1.5594% | 1,267 |
| Return on Equity (ROE) | 10.6969% | 1,708 |
| Retained earnings to average equity (ytd only) | -2.0587% | 5,736 |
| Net charge-offs to loans | 0.9614% | 2,052 |
| Credit loss provision to net charge-offs | 112.5000% | 4,515 |
| Earnings coverage of net charge-offs (x) | 4.5625% | 3,093 |
| Efficiency ratio | 67.4107% | 5,094 |
| Assets per employee ($millions) | 2.0900% | 7,725 |
| Cash dividends to net income (ytd only)* | 119.2462% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7203% | 7,319 |
| Loan loss allowance to noncurrent loans | 11.9231% | 7,411 |
| Noncurrent assets plus other real estate owned to assets | 2.2619% | 3,028 |
| Noncurrent loans to loans | 6.0409% | 972 |
| Net loans and leases to total assets | 37.1727% | 7,583 |
| Net loans and leases to deposits | 42.8307% | 7,653 |
| Net loans and leases to core deposits | 46.3022% | 7,766 |
| Total domestic deposits to total assets | 86.7899% | 2,288 |
| Equity capital to assets | 12.8491% | 1,760 |
| Core capital (leverage) ratio | 12.3711% | 1,631 |
| Tier 1 risk-based capital ratio | 22.0984% | 1,215 |
| Total risk-based capital ratio | 22.6423% | 1,283 |
| Memoranda: | ||
| Average total assets | $20,606,000 | 7,828 |
| Average earning assets | $19,086,500 | 7,803 |
| Average equity | $2,979,000 | 7,668 |
| Average total loans | $8,875,500 | 7,826 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7223% | 3,421 |
| Cost of funding earning assets | 0.9756% | 7,588 |
| Net interest margin | 4.7467% | 736 |
| Noninterest income to average assets | 1.8272% | 436 |
| Noninterest expense to average assets | 3.9876% | 1,331 |
| Loan and lease loss provision to assets | 0.7269% | 2,253 |
| Net operating income to assets | 1.4653% | 907 |
| Return on assets (ROA) | 1.6152% | 727 |
| Pretax return on assets | 1.6354% | 1,141 |
| Return on Equity (ROE) | 10.7119% | 1,787 |
| Retained earnings to average equity (ytd only) | -4.6865% | 6,258 |
| Net charge-offs to loans | 1.3386% | 1,384 |
| Credit loss provision to net charge-offs | 120.0000% | 3,871 |
| Earnings coverage of net charge-offs (x) | 3.6500% | 3,357 |
| Efficiency ratio | 64.3322% | 5,843 |
| Assets per employee ($millions) | 1.8075% | 7,966 |
| Cash dividends to net income (ytd only)* | 143.7500% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7584% | 7,279 |
| Loan loss allowance to noncurrent loans | 12.8655% | 7,432 |
| Noncurrent assets plus other real estate owned to assets | 2.5802% | 2,498 |
| Noncurrent loans to loans | 5.8945% | 938 |
| Net loans and leases to total assets | 43.4413% | 7,365 |
| Net loans and leases to deposits | 50.9648% | 7,439 |
| Net loans and leases to core deposits | 53.5031% | 7,669 |
| Total domestic deposits to total assets | 85.2379% | 3,140 |
| Equity capital to assets | 14.3295% | 1,216 |
| Core capital (leverage) ratio | 12.7088% | 1,534 |
| Tier 1 risk-based capital ratio | 20.3940% | 1,505 |
| Total risk-based capital ratio | 20.9335% | 1,594 |
| Memoranda: | ||
| Average total assets | $19,811,330 | 7,933 |
| Average earning assets | $18,244,330 | 7,911 |
| Average equity | $2,987,330 | 7,733 |
| Average total loans | $8,964,670 | 7,904 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8031% | 3,283 |
| Cost of funding earning assets | 1.0650% | 7,574 |
| Net interest margin | 4.7381% | 707 |
| Noninterest income to average assets | 1.6586% | 499 |
| Noninterest expense to average assets | 4.2071% | 935 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8265% | 505 |
| Return on assets (ROA) | 2.1238% | 316 |
| Pretax return on assets | 2.1642% | 476 |
| Return on Equity (ROE) | 13.7412% | 1,216 |
| Retained earnings to average equity (ytd only) | 13.7412% | 535 |
| Net charge-offs to loans | -0.8796% | 8,149 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3333% | 4,713 |
| Assets per employee ($millions) | 1.7656% | 8,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 7,013 |
| Loan loss allowance to noncurrent loans | 15.4812% | 7,378 |
| Noncurrent assets plus other real estate owned to assets | 2.4611% | 2,328 |
| Noncurrent loans to loans | 5.4232% | 966 |
| Net loans and leases to total assets | 45.0005% | 7,262 |
| Net loans and leases to deposits | 53.8741% | 7,297 |
| Net loans and leases to core deposits | 57.6479% | 7,541 |
| Total domestic deposits to total assets | 83.5290% | 3,909 |
| Equity capital to assets | 15.9407% | 881 |
| Core capital (leverage) ratio | 13.6640% | 1,275 |
| Tier 1 risk-based capital ratio | 25.3366% | 945 |
| Total risk-based capital ratio | 26.0383% | 972 |
| Memoranda: | ||
| Average total assets | $19,776,000 | 7,985 |
| Average earning assets | $18,404,000 | 7,947 |
| Average equity | $3,056,500 | 7,762 |
| Average total loans | $9,095,500 | 7,946 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8848% | 6,114 |
| Cost of funding earning assets | 1.6783% | 7,312 |
| Net interest margin | 4.2065% | 2,290 |
| Noninterest income to average assets | 1.1579% | 1,153 |
| Noninterest expense to average assets | 4.0696% | 1,324 |
| Loan and lease loss provision to assets | 0.1057% | 6,019 |
| Net operating income to assets | 0.7592% | 3,617 |
| Return on assets (ROA) | 0.7640% | 3,442 |
| Pretax return on assets | 0.7688% | 4,184 |
| Return on Equity (ROE) | 5.7306% | 4,056 |
| Retained earnings to average equity (ytd only) | 3.0275% | 3,286 |
| Net charge-offs to loans | 0.4927% | 2,390 |
| Credit loss provision to net charge-offs | 47.8261% | 6,376 |
| Earnings coverage of net charge-offs (x) | 3.9348% | 4,176 |
| Efficiency ratio | 82.3930% | 2,252 |
| Assets per employee ($millions) | 1.8300% | 8,026 |
| Cash dividends to net income (ytd only)* | 47.1698% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5759% | 7,718 |
| Loan loss allowance to noncurrent loans | 9.9083% | 7,505 |
| Noncurrent assets plus other real estate owned to assets | 2.7074% | 1,745 |
| Noncurrent loans to loans | 5.8121% | 645 |
| Net loans and leases to total assets | 46.3140% | 7,300 |
| Net loans and leases to deposits | 57.6205% | 7,230 |
| Net loans and leases to core deposits | 62.1161% | 7,507 |
| Total domestic deposits to total assets | 80.3775% | 4,877 |
| Equity capital to assets | 14.9876% | 1,163 |
| Core capital (leverage) ratio | 12.8093% | 1,618 |
| Tier 1 risk-based capital ratio | 23.4349% | 1,142 |
| Total risk-based capital ratio | 23.9277% | 1,201 |
| Memoranda: | ||
| Average total assets | $20,812,800 | 7,992 |
| Average earning assets | $18,709,200 | 7,979 |
| Average equity | $2,774,600 | 7,906 |
| Average total loans | $9,337,200 | 7,967 |