Home > One Georgia Bank > Performance and Condition Ratios
One Georgia 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 | 4.7188% | 4,454 |
| Cost of funding earning assets | 2.1959% | 73 |
| Net interest margin | 2.5229% | 7,177 |
| Noninterest income to average assets | 1.0442% | 1,207 |
| Noninterest expense to average assets | 5.6206% | 250 |
| Loan and lease loss provision to assets | 4.9083% | 53 |
| Net operating income to assets | -7.2897% | 7,483 |
| Return on assets (ROA) | -6.8695% | 7,480 |
| Pretax return on assets | -6.8695% | 7,477 |
| Return on Equity (ROE) | -462.9630% | 7,508 |
| Retained earnings to average equity (ytd only) | -462.9630% | 7,508 |
| Net charge-offs to loans | 4.5376% | 158 |
| Credit loss provision to net charge-offs | 152.2902% | 2,009 |
| Earnings coverage of net charge-offs (x) | -0.7389% | 5,586 |
| Efficiency ratio | 173.5196% | 92 |
| Assets per employee ($millions) | 8.0780% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8618% | 104 |
| Loan loss allowance to noncurrent loans | 48.0767% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 18.6214% | 83 |
| Noncurrent loans to loans | 12.1927% | 240 |
| Net loans and leases to total assets | 62.5698% | 3,776 |
| Net loans and leases to deposits | 70.3225% | 4,394 |
| Net loans and leases to core deposits | 84.5301% | 3,132 |
| Total domestic deposits to total assets | 88.9756% | 1,544 |
| Equity capital to assets | -0.5498% | 7,510 |
| Core capital (leverage) ratio | -0.7335% | 7,510 |
| Tier 1 risk-based capital ratio | -0.9008% | 7,510 |
| Total risk-based capital ratio | -0.9008% | 7,510 |
| Memoranda: | ||
| Average total assets | $185,604,000 | 3,292 |
| Average earning assets | $161,482,000 | 3,418 |
| Average equity | $2,754,000 | 7,189 |
| Average total loans | $131,831,000 | 3,005 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6156% | 4,883 |
| Cost of funding earning assets | 2.1853% | 92 |
| Net interest margin | 2.4303% | 7,241 |
| Noninterest income to average assets | 1.5785% | 528 |
| Noninterest expense to average assets | 4.9233% | 391 |
| Loan and lease loss provision to assets | 2.0575% | 267 |
| Net operating income to assets | -3.2667% | 7,413 |
| Return on assets (ROA) | -2.4437% | 7,329 |
| Pretax return on assets | -2.4437% | 7,314 |
| Return on Equity (ROE) | -100.2706% | 7,496 |
| Retained earnings to average equity (ytd only) | -100.2706% | 7,491 |
| Net charge-offs to loans | 0.1298% | 3,737 |
| Credit loss provision to net charge-offs | 2,166.6667% | 184 |
| Earnings coverage of net charge-offs (x) | -12.7333% | 5,067 |
| Efficiency ratio | 132.5568% | 246 |
| Assets per employee ($millions) | 7.4530% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6682% | 248 |
| Loan loss allowance to noncurrent loans | 26.3701% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 19.0141% | 76 |
| Noncurrent loans to loans | 17.7026% | 93 |
| Net loans and leases to total assets | 68.9285% | 2,344 |
| Net loans and leases to deposits | 79.2402% | 2,851 |
| Net loans and leases to core deposits | 96.1396% | 1,663 |
| Total domestic deposits to total assets | 86.9867% | 2,946 |
| Equity capital to assets | 2.0083% | 7,535 |
| Core capital (leverage) ratio | 2.0289% | 7,532 |
| Tier 1 risk-based capital ratio | 2.3680% | 7,541 |
| Total risk-based capital ratio | 3.6421% | 7,542 |
| Memoranda: | ||
| Average total assets | $189,548,500 | 3,251 |
| Average earning assets | $166,565,000 | 3,351 |
| Average equity | $4,619,500 | 6,680 |
| Average total loans | $138,686,500 | 2,915 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1056% | 4,073 |
| Cost of funding earning assets | 2.4048% | 150 |
| Net interest margin | 2.7008% | 7,119 |
| Noninterest income to average assets | 0.5406% | 3,881 |
| Noninterest expense to average assets | 4.6060% | 589 |
| Loan and lease loss provision to assets | 6.6841% | 31 |
| Net operating income to assets | -8.3378% | 7,621 |
| Return on assets (ROA) | -8.2427% | 7,621 |
| Pretax return on assets | -8.2427% | 7,625 |
| Return on Equity (ROE) | -111.1187% | 7,606 |
| Retained earnings to average equity (ytd only) | -111.1187% | 7,606 |
| Net charge-offs to loans | 7.7186% | 40 |
| Credit loss provision to net charge-offs | 111.8228% | 3,916 |
| Earnings coverage of net charge-offs (x) | -0.2767% | 6,343 |
| Efficiency ratio | 156.0156% | 181 |
| Assets per employee ($millions) | 7.1397% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7567% | 495 |
| Loan loss allowance to noncurrent loans | 27.2155% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 18.1214% | 89 |
| Noncurrent loans to loans | 13.8034% | 203 |
| Net loans and leases to total assets | 71.2209% | 2,255 |
| Net loans and leases to deposits | 82.5183% | 2,708 |
| Net loans and leases to core deposits | 122.7066% | 459 |
| Total domestic deposits to total assets | 86.3092% | 3,194 |
| Equity capital to assets | 2.8516% | 7,571 |
| Core capital (leverage) ratio | 2.5008% | 7,586 |
| Tier 1 risk-based capital ratio | 3.1902% | 7,597 |
| Total risk-based capital ratio | 4.4667% | 7,597 |
| Memoranda: | ||
| Average total assets | $216,784,600 | 2,907 |
| Average earning assets | $193,572,400 | 2,957 |
| Average equity | $16,081,000 | 3,740 |
| Average total loans | $167,879,800 | 2,502 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1361% | 4,144 |
| Cost of funding earning assets | 2.4079% | 198 |
| Net interest margin | 2.7283% | 7,204 |
| Noninterest income to average assets | 0.5272% | 3,967 |
| Noninterest expense to average assets | 4.1862% | 845 |
| Loan and lease loss provision to assets | 5.2940% | 74 |
| Net operating income to assets | -6.4969% | 7,706 |
| Return on assets (ROA) | -6.3730% | 7,704 |
| Pretax return on assets | -6.3730% | 7,697 |
| Return on Equity (ROE) | -75.8173% | 7,652 |
| Retained earnings to average equity (ytd only) | -75.8173% | 7,651 |
| Net charge-offs to loans | 4.0148% | 303 |
| Credit loss provision to net charge-offs | 168.6559% | 2,211 |
| Earnings coverage of net charge-offs (x) | -0.3832% | 6,281 |
| Efficiency ratio | 140.3210% | 246 |
| Assets per employee ($millions) | 7.2176% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7235% | 214 |
| Loan loss allowance to noncurrent loans | 40.1644% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 15.3103% | 145 |
| Noncurrent loans to loans | 11.7604% | 305 |
| Net loans and leases to total assets | 71.5819% | 2,341 |
| Net loans and leases to deposits | 85.3789% | 2,455 |
| Net loans and leases to core deposits | 114.9138% | 799 |
| Total domestic deposits to total assets | 83.8402% | 4,216 |
| Equity capital to assets | 6.2716% | 7,452 |
| Core capital (leverage) ratio | 5.7924% | 7,461 |
| Tier 1 risk-based capital ratio | 7.1532% | 7,535 |
| Total risk-based capital ratio | 8.4416% | 7,538 |
| Memoranda: | ||
| Average total assets | $222,787,750 | 2,873 |
| Average earning assets | $200,560,750 | 2,912 |
| Average equity | $18,727,000 | 3,351 |
| Average total loans | $174,186,500 | 2,459 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1546% | 4,167 |
| Cost of funding earning assets | 2.4267% | 219 |
| Net interest margin | 2.7279% | 7,226 |
| Noninterest income to average assets | 0.1478% | 6,841 |
| Noninterest expense to average assets | 4.3339% | 697 |
| Loan and lease loss provision to assets | 4.7219% | 130 |
| Net operating income to assets | -6.4379% | 7,753 |
| Return on assets (ROA) | -6.3745% | 7,756 |
| Pretax return on assets | -6.3745% | 7,744 |
| Return on Equity (ROE) | -70.3517% | 7,681 |
| Retained earnings to average equity (ytd only) | -70.3517% | 7,679 |
| Net charge-offs to loans | 4.2073% | 294 |
| Credit loss provision to net charge-offs | 141.8451% | 2,813 |
| Earnings coverage of net charge-offs (x) | -0.5155% | 6,019 |
| Efficiency ratio | 165.5462% | 162 |
| Assets per employee ($millions) | 7.9457% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1410% | 739 |
| Loan loss allowance to noncurrent loans | 27.9053% | 6,497 |
| Noncurrent assets plus other real estate owned to assets | 12.9350% | 225 |
| Noncurrent loans to loans | 11.2561% | 346 |
| Net loans and leases to total assets | 77.7620% | 1,155 |
| Net loans and leases to deposits | 94.0883% | 1,261 |
| Net loans and leases to core deposits | 127.0755% | 485 |
| Total domestic deposits to total assets | 82.6480% | 4,719 |
| Equity capital to assets | 7.7167% | 6,989 |
| Core capital (leverage) ratio | 7.0225% | 7,180 |
| Tier 1 risk-based capital ratio | 8.4713% | 7,488 |
| Total risk-based capital ratio | 9.7421% | 7,497 |
| Memoranda: | ||
| Average total assets | $227,280,330 | 2,846 |
| Average earning assets | $205,797,000 | 2,860 |
| Average equity | $20,593,670 | 3,095 |
| Average total loans | $179,830,000 | 2,426 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9232% | 5,342 |
| Cost of funding earning assets | 2.4457% | 263 |
| Net interest margin | 2.4775% | 7,488 |
| Noninterest income to average assets | -0.0890% | 7,748 |
| Noninterest expense to average assets | 3.6635% | 1,591 |
| Loan and lease loss provision to assets | 1.4551% | 810 |
| Net operating income to assets | -2.9445% | 7,632 |
| Return on assets (ROA) | -2.8213% | 7,618 |
| Pretax return on assets | -2.8213% | 7,576 |
| Return on Equity (ROE) | -29.1514% | 7,564 |
| Retained earnings to average equity (ytd only) | -29.1514% | 7,534 |
| Net charge-offs to loans | 1.9169% | 899 |
| Credit loss provision to net charge-offs | 96.5909% | 3,513 |
| Earnings coverage of net charge-offs (x) | -0.9886% | 5,382 |
| Efficiency ratio | 168.5039% | 151 |
| Assets per employee ($millions) | 7.5068% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1071% | 1,942 |
| Loan loss allowance to noncurrent loans | 17.1221% | 7,144 |
| Noncurrent assets plus other real estate owned to assets | 13.5727% | 184 |
| Noncurrent loans to loans | 12.3061% | 273 |
| Net loans and leases to total assets | 75.8051% | 1,585 |
| Net loans and leases to deposits | 93.2403% | 1,444 |
| Net loans and leases to core deposits | 131.8795% | 441 |
| Total domestic deposits to total assets | 81.3008% | 5,347 |
| Equity capital to assets | 9.3623% | 4,736 |
| Core capital (leverage) ratio | 9.0414% | 4,492 |
| Tier 1 risk-based capital ratio | 10.3114% | 6,799 |
| Total risk-based capital ratio | 11.5532% | 6,800 |
| Memoranda: | ||
| Average total assets | $233,653,500 | 2,828 |
| Average earning assets | $213,440,000 | 2,822 |
| Average equity | $22,613,000 | 2,863 |
| Average total loans | $183,627,000 | 2,444 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1850% | 5,722 |
| Cost of funding earning assets | 2.7306% | 543 |
| Net interest margin | 2.4544% | 7,470 |
| Noninterest income to average assets | 0.7423% | 2,728 |
| Noninterest expense to average assets | 2.9386% | 4,390 |
| Loan and lease loss provision to assets | 1.9321% | 1,145 |
| Net operating income to assets | -1.7630% | 7,000 |
| Return on assets (ROA) | -1.3350% | 6,786 |
| Pretax return on assets | -1.3350% | 6,616 |
| Return on Equity (ROE) | -14.0408% | 6,880 |
| Retained earnings to average equity (ytd only) | -14.0408% | 6,820 |
| Net charge-offs to loans | 2.0862% | 1,173 |
| Credit loss provision to net charge-offs | 113.0456% | 4,851 |
| Earnings coverage of net charge-offs (x) | 0.0990% | 6,058 |
| Efficiency ratio | 94.5567% | 1,375 |
| Assets per employee ($millions) | 7.5676% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0460% | 1,923 |
| Loan loss allowance to noncurrent loans | 27.8165% | 6,618 |
| Noncurrent assets plus other real estate owned to assets | 9.9405% | 374 |
| Noncurrent loans to loans | 7.3552% | 727 |
| Net loans and leases to total assets | 78.1016% | 1,359 |
| Net loans and leases to deposits | 99.2229% | 973 |
| Net loans and leases to core deposits | 178.6627% | 172 |
| Total domestic deposits to total assets | 78.7133% | 6,058 |
| Equity capital to assets | 9.9912% | 3,776 |
| Core capital (leverage) ratio | 9.3327% | 3,926 |
| Tier 1 risk-based capital ratio | 10.8709% | 6,041 |
| Total risk-based capital ratio | 12.1281% | 6,005 |
| Memoranda: | ||
| Average total assets | $245,323,600 | 2,657 |
| Average earning assets | $236,433,400 | 2,540 |
| Average equity | $23,324,800 | 2,796 |
| Average total loans | $200,991,400 | 2,288 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9683% | 6,704 |
| Cost of funding earning assets | 2.7649% | 656 |
| Net interest margin | 2.2034% | 7,704 |
| Noninterest income to average assets | 0.4521% | 4,887 |
| Noninterest expense to average assets | 2.7364% | 5,164 |
| Loan and lease loss provision to assets | 1.8225% | 1,025 |
| Net operating income to assets | -1.9569% | 7,298 |
| Return on assets (ROA) | -1.6096% | 7,159 |
| Pretax return on assets | -1.6096% | 7,016 |
| Return on Equity (ROE) | -17.1354% | 7,280 |
| Retained earnings to average equity (ytd only) | -17.1354% | 7,240 |
| Net charge-offs to loans | 0.7955% | 2,375 |
| Credit loss provision to net charge-offs | 277.8689% | 1,513 |
| Earnings coverage of net charge-offs (x) | -0.2049% | 6,293 |
| Efficiency ratio | 105.1653% | 879 |
| Assets per employee ($millions) | 8.3501% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6455% | 928 |
| Loan loss allowance to noncurrent loans | 22.0979% | 6,973 |
| Noncurrent assets plus other real estate owned to assets | 11.2155% | 268 |
| Noncurrent loans to loans | 11.9718% | 277 |
| Net loans and leases to total assets | 80.0628% | 1,158 |
| Net loans and leases to deposits | 103.3154% | 820 |
| Net loans and leases to core deposits | 188.3431% | 143 |
| Total domestic deposits to total assets | 77.4936% | 6,221 |
| Equity capital to assets | 9.7420% | 4,431 |
| Core capital (leverage) ratio | 9.1366% | 4,436 |
| Tier 1 risk-based capital ratio | 11.0735% | 5,876 |
| Total risk-based capital ratio | 12.2302% | 5,940 |
| Memoranda: | ||
| Average total assets | $248,005,250 | 2,641 |
| Average earning assets | $241,981,000 | 2,497 |
| Average equity | $23,296,250 | 2,827 |
| Average total loans | $204,476,500 | 2,276 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 6,928 |
| Cost of funding earning assets | 2.8401% | 711 |
| Net interest margin | 2.1074% | 7,806 |
| Noninterest income to average assets | 0.3439% | 5,758 |
| Noninterest expense to average assets | 2.7810% | 5,042 |
| Loan and lease loss provision to assets | 1.2259% | 1,403 |
| Net operating income to assets | -1.5989% | 7,292 |
| Return on assets (ROA) | -1.2623% | 7,148 |
| Pretax return on assets | -1.2623% | 6,972 |
| Return on Equity (ROE) | -13.6084% | 7,259 |
| Retained earnings to average equity (ytd only) | -13.6084% | 7,160 |
| Net charge-offs to loans | 0.4285% | 3,087 |
| Credit loss provision to net charge-offs | 346.6819% | 1,337 |
| Earnings coverage of net charge-offs (x) | -1.0549% | 6,241 |
| Efficiency ratio | 115.4906% | 742 |
| Assets per employee ($millions) | 8.3083% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1431% | 1,327 |
| Loan loss allowance to noncurrent loans | 19.5654% | 7,154 |
| Noncurrent assets plus other real estate owned to assets | 9.4006% | 341 |
| Noncurrent loans to loans | 10.9534% | 281 |
| Net loans and leases to total assets | 79.8378% | 1,343 |
| Net loans and leases to deposits | 107.0073% | 706 |
| Net loans and leases to core deposits | 185.9801% | 177 |
| Total domestic deposits to total assets | 74.6097% | 6,846 |
| Equity capital to assets | 10.1734% | 3,749 |
| Core capital (leverage) ratio | 10.0234% | 3,274 |
| Tier 1 risk-based capital ratio | 11.8846% | 5,013 |
| Total risk-based capital ratio | 13.1333% | 4,927 |
| Memoranda: | ||
| Average total assets | $247,173,000 | 2,667 |
| Average earning assets | $242,102,670 | 2,503 |
| Average equity | $22,927,000 | 2,868 |
| Average total loans | $203,965,670 | 2,308 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0920% | 6,668 |
| Cost of funding earning assets | 2.9767% | 637 |
| Net interest margin | 2.1153% | 7,843 |
| Noninterest income to average assets | 0.2031% | 6,839 |
| Noninterest expense to average assets | 2.7302% | 4,871 |
| Loan and lease loss provision to assets | 1.0401% | 1,258 |
| Net operating income to assets | -1.4919% | 7,497 |
| Return on assets (ROA) | -1.0401% | 7,291 |
| Pretax return on assets | -1.0401% | 7,168 |
| Return on Equity (ROE) | -11.7907% | 7,459 |
| Retained earnings to average equity (ytd only) | -11.7907% | 7,250 |
| Net charge-offs to loans | 0.6364% | 1,904 |
| Credit loss provision to net charge-offs | 196.9231% | 2,251 |
| Earnings coverage of net charge-offs (x) | -0.8554% | 5,336 |
| Efficiency ratio | 119.8288% | 635 |
| Assets per employee ($millions) | 7.0048% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7653% | 1,939 |
| Loan loss allowance to noncurrent loans | 23.3487% | 6,996 |
| Noncurrent assets plus other real estate owned to assets | 6.2802% | 610 |
| Noncurrent loans to loans | 7.5604% | 498 |
| Net loans and leases to total assets | 81.6007% | 1,081 |
| Net loans and leases to deposits | 103.9619% | 1,010 |
| Net loans and leases to core deposits | 174.1088% | 296 |
| Total domestic deposits to total assets | 78.4910% | 5,865 |
| Equity capital to assets | 8.6867% | 5,785 |
| Core capital (leverage) ratio | 8.2180% | 6,065 |
| Tier 1 risk-based capital ratio | 9.5602% | 7,378 |
| Total risk-based capital ratio | 10.8160% | 7,309 |
| Memoranda: | ||
| Average total assets | $246,135,000 | 2,695 |
| Average earning assets | $241,478,000 | 2,523 |
| Average equity | $21,712,000 | 3,018 |
| Average total loans | $204,272,000 | 2,323 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2936% | 3,993 |
| Cost of funding earning assets | 3.4382% | 627 |
| Net interest margin | 2.8554% | 7,245 |
| Noninterest income to average assets | 0.1656% | 7,238 |
| Noninterest expense to average assets | 2.9814% | 4,151 |
| Loan and lease loss provision to assets | 1.0521% | 1,389 |
| Net operating income to assets | -1.0732% | 7,279 |
| Return on assets (ROA) | -1.0619% | 7,207 |
| Pretax return on assets | -1.0619% | 7,040 |
| Return on Equity (ROE) | -9.9321% | 7,277 |
| Retained earnings to average equity (ytd only) | -9.9321% | 7,068 |
| Net charge-offs to loans | 0.4498% | 2,580 |
| Credit loss provision to net charge-offs | 272.4619% | 1,686 |
| Earnings coverage of net charge-offs (x) | -0.0546% | 6,286 |
| Efficiency ratio | 100.7118% | 955 |
| Assets per employee ($millions) | 7.4880% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 2,245 |
| Loan loss allowance to noncurrent loans | 40.9795% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 3.2391% | 1,406 |
| Noncurrent loans to loans | 3.9065% | 1,260 |
| Net loans and leases to total assets | 81.5899% | 1,303 |
| Net loans and leases to deposits | 112.5658% | 679 |
| Net loans and leases to core deposits | 171.8280% | 373 |
| Total domestic deposits to total assets | 72.4819% | 6,917 |
| Equity capital to assets | 8.9546% | 5,427 |
| Core capital (leverage) ratio | 8.9825% | 4,771 |
| Tier 1 risk-based capital ratio | 9.6933% | 7,093 |
| Total risk-based capital ratio | 10.9471% | 6,994 |
| Memoranda: | ||
| Average total assets | $204,065,000 | 3,083 |
| Average earning assets | $199,725,200 | 2,897 |
| Average equity | $21,818,200 | 2,998 |
| Average total loans | $175,185,600 | 2,558 |