Home > Orange Community Bank > Performance and Condition Ratios
Orange 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 | 5.0701% | 2,829 |
| Cost of funding earning assets | 0.4305% | 7,060 |
| Net interest margin | 4.6396% | 839 |
| Noninterest income to average assets | 0.4456% | 4,312 |
| Noninterest expense to average assets | 3.3903% | 2,288 |
| Loan and lease loss provision to assets | 0.1053% | 4,992 |
| Net operating income to assets | 0.6702% | 3,688 |
| Return on assets (ROA) | 0.6702% | 3,809 |
| Pretax return on assets | 1.1281% | 2,733 |
| Return on Equity (ROE) | 6.7776% | 3,540 |
| Retained earnings to average equity (ytd only) | 6.7776% | 1,976 |
| Net charge-offs to loans | 0.6533% | 2,212 |
| Credit loss provision to net charge-offs | 25.8621% | 5,047 |
| Earnings coverage of net charge-offs (x) | 3.0302% | 3,340 |
| Efficiency ratio | 73.3257% | 3,494 |
| Assets per employee ($millions) | 5.0847% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1822% | 1,957 |
| Loan loss allowance to noncurrent loans | 141.7526% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 5,047 |
| Noncurrent loans to loans | 1.5394% | 4,099 |
| Net loans and leases to total assets | 57.9746% | 4,630 |
| Net loans and leases to deposits | 64.8678% | 5,169 |
| Net loans and leases to core deposits | 70.1898% | 5,051 |
| Total domestic deposits to total assets | 89.3734% | 1,316 |
| Equity capital to assets | 9.8147% | 4,372 |
| Core capital (leverage) ratio | 9.8675% | 3,427 |
| Tier 1 risk-based capital ratio | 13.9337% | 4,218 |
| Total risk-based capital ratio | 15.1913% | 4,183 |
| Memoranda: | ||
| Average total assets | $228,003,670 | 2,770 |
| Average earning assets | $205,321,330 | 2,813 |
| Average equity | $22,545,000 | 2,808 |
| Average total loans | $142,037,330 | 2,804 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2300% | 2,112 |
| Cost of funding earning assets | 0.4561% | 7,098 |
| Net interest margin | 4.7739% | 600 |
| Noninterest income to average assets | 0.4834% | 4,017 |
| Noninterest expense to average assets | 3.5546% | 1,866 |
| Loan and lease loss provision to assets | 0.1066% | 4,680 |
| Net operating income to assets | 0.6221% | 3,910 |
| Return on assets (ROA) | 0.6221% | 3,980 |
| Pretax return on assets | 1.0451% | 2,967 |
| Return on Equity (ROE) | 6.2669% | 3,745 |
| Retained earnings to average equity (ytd only) | 6.2669% | 2,483 |
| Net charge-offs to loans | 1.2995% | 1,066 |
| Credit loss provision to net charge-offs | 12.8480% | 4,360 |
| Earnings coverage of net charge-offs (x) | 1.3876% | 3,655 |
| Efficiency ratio | 75.5287% | 3,237 |
| Assets per employee ($millions) | 4.9236% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0918% | 2,203 |
| Loan loss allowance to noncurrent loans | 140.9134% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.9281% | 5,040 |
| Noncurrent loans to loans | 1.4844% | 4,245 |
| Net loans and leases to total assets | 61.2137% | 4,033 |
| Net loans and leases to deposits | 68.5924% | 4,597 |
| Net loans and leases to core deposits | 75.1202% | 4,409 |
| Total domestic deposits to total assets | 89.2426% | 1,621 |
| Equity capital to assets | 9.9449% | 3,847 |
| Core capital (leverage) ratio | 9.7399% | 3,471 |
| Tier 1 risk-based capital ratio | 13.4628% | 4,449 |
| Total risk-based capital ratio | 14.7197% | 4,422 |
| Memoranda: | ||
| Average total assets | $225,058,500 | 2,819 |
| Average earning assets | $199,082,000 | 2,898 |
| Average equity | $22,339,500 | 2,823 |
| Average total loans | $143,744,000 | 2,806 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6050% | 1,872 |
| Cost of funding earning assets | 0.6536% | 6,999 |
| Net interest margin | 4.9514% | 484 |
| Noninterest income to average assets | 0.6062% | 3,435 |
| Noninterest expense to average assets | 4.1661% | 944 |
| Loan and lease loss provision to assets | -0.0299% | 7,583 |
| Net operating income to assets | 0.4728% | 4,217 |
| Return on assets (ROA) | 0.4728% | 4,380 |
| Pretax return on assets | 0.7869% | 3,679 |
| Return on Equity (ROE) | 4.8836% | 4,117 |
| Retained earnings to average equity (ytd only) | 4.1710% | 2,926 |
| Net charge-offs to loans | -0.1396% | 7,523 |
| Credit loss provision to net charge-offs | 30.2326% | 6,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6226% | 1,844 |
| Assets per employee ($millions) | 4.4726% | 2,920 |
| Cash dividends to net income (ytd only)* | 14.5914% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3094% | 1,680 |
| Loan loss allowance to noncurrent loans | 100.3874% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.5007% | 4,064 |
| Noncurrent loans to loans | 2.3004% | 3,222 |
| Net loans and leases to total assets | 63.7285% | 3,932 |
| Net loans and leases to deposits | 71.4108% | 4,622 |
| Net loans and leases to core deposits | 78.8937% | 4,359 |
| Total domestic deposits to total assets | 89.2421% | 1,519 |
| Equity capital to assets | 9.9070% | 3,873 |
| Core capital (leverage) ratio | 9.6726% | 3,464 |
| Tier 1 risk-based capital ratio | 13.3285% | 4,352 |
| Total risk-based capital ratio | 14.5882% | 4,303 |
| Memoranda: | ||
| Average total assets | $217,424,000 | 2,902 |
| Average earning assets | $189,561,800 | 3,015 |
| Average equity | $21,050,200 | 2,999 |
| Average total loans | $153,956,800 | 2,703 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6907% | 1,746 |
| Cost of funding earning assets | 0.6927% | 7,080 |
| Net interest margin | 4.9980% | 444 |
| Noninterest income to average assets | 0.6399% | 3,189 |
| Noninterest expense to average assets | 4.2042% | 819 |
| Loan and lease loss provision to assets | 1.4082% | 957 |
| Net operating income to assets | -0.3453% | 6,468 |
| Return on assets (ROA) | -0.3453% | 6,514 |
| Pretax return on assets | -0.6096% | 6,617 |
| Return on Equity (ROE) | -3.5877% | 6,544 |
| Retained earnings to average equity (ytd only) | -4.5504% | 6,521 |
| Net charge-offs to loans | 1.7250% | 1,130 |
| Credit loss provision to net charge-offs | 112.9832% | 3,724 |
| Earnings coverage of net charge-offs (x) | 0.6407% | 5,398 |
| Efficiency ratio | 84.0370% | 1,834 |
| Assets per employee ($millions) | 4.4570% | 2,974 |
| Cash dividends to net income (ytd only)* | -26.8345% | 7,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2677% | 1,672 |
| Loan loss allowance to noncurrent loans | 92.3587% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 2.0817% | 3,362 |
| Noncurrent loans to loans | 2.4553% | 3,171 |
| Net loans and leases to total assets | 67.3194% | 3,374 |
| Net loans and leases to deposits | 74.8482% | 4,369 |
| Net loans and leases to core deposits | 83.4935% | 4,023 |
| Total domestic deposits to total assets | 89.9413% | 911 |
| Equity capital to assets | 9.2165% | 5,290 |
| Core capital (leverage) ratio | 9.5188% | 3,878 |
| Tier 1 risk-based capital ratio | 11.5598% | 5,872 |
| Total risk-based capital ratio | 12.8188% | 5,852 |
| Memoranda: | ||
| Average total assets | $215,872,500 | 2,967 |
| Average earning assets | $188,444,000 | 3,064 |
| Average equity | $20,774,000 | 3,076 |
| Average total loans | $155,974,750 | 2,710 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7795% | 1,481 |
| Cost of funding earning assets | 0.6858% | 7,222 |
| Net interest margin | 5.0938% | 347 |
| Noninterest income to average assets | 0.6781% | 2,832 |
| Noninterest expense to average assets | 4.2632% | 752 |
| Loan and lease loss provision to assets | 1.9481% | 630 |
| Net operating income to assets | -0.6303% | 6,764 |
| Return on assets (ROA) | -0.6303% | 6,791 |
| Pretax return on assets | -1.0948% | 6,930 |
| Return on Equity (ROE) | -6.4549% | 6,799 |
| Retained earnings to average equity (ytd only) | -7.8936% | 6,805 |
| Net charge-offs to loans | 2.5791% | 656 |
| Credit loss provision to net charge-offs | 102.8684% | 3,963 |
| Earnings coverage of net charge-offs (x) | 0.4505% | 5,265 |
| Efficiency ratio | 83.3242% | 1,994 |
| Assets per employee ($millions) | 4.4943% | 2,891 |
| Cash dividends to net income (ytd only)* | -22.2883% | 7,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1235% | 1,915 |
| Loan loss allowance to noncurrent loans | 147.6791% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 1.4027% | 4,370 |
| Noncurrent loans to loans | 1.4379% | 4,556 |
| Net loans and leases to total assets | 68.5890% | 3,223 |
| Net loans and leases to deposits | 76.2666% | 4,278 |
| Net loans and leases to core deposits | 85.2861% | 3,939 |
| Total domestic deposits to total assets | 89.9332% | 949 |
| Equity capital to assets | 9.2617% | 5,057 |
| Core capital (leverage) ratio | 9.2524% | 4,205 |
| Tier 1 risk-based capital ratio | 11.4802% | 5,790 |
| Total risk-based capital ratio | 12.7382% | 5,751 |
| Memoranda: | ||
| Average total assets | $213,546,330 | 3,012 |
| Average earning assets | $186,070,670 | 3,116 |
| Average equity | $20,852,330 | 3,056 |
| Average total loans | $156,798,670 | 2,740 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8542% | 1,315 |
| Cost of funding earning assets | 0.6851% | 7,362 |
| Net interest margin | 5.1691% | 311 |
| Noninterest income to average assets | 0.8144% | 1,948 |
| Noninterest expense to average assets | 4.2700% | 745 |
| Loan and lease loss provision to assets | 1.1988% | 1,016 |
| Net operating income to assets | -0.0761% | 6,410 |
| Return on assets (ROA) | -0.0761% | 6,484 |
| Pretax return on assets | -0.1465% | 6,505 |
| Return on Equity (ROE) | -0.7590% | 6,497 |
| Retained earnings to average equity (ytd only) | -3.6052% | 6,449 |
| Net charge-offs to loans | 1.4503% | 1,192 |
| Credit loss provision to net charge-offs | 109.9476% | 3,133 |
| Earnings coverage of net charge-offs (x) | 0.9651% | 4,193 |
| Efficiency ratio | 80.2288% | 2,531 |
| Assets per employee ($millions) | 4.4113% | 3,108 |
| Cash dividends to net income (ytd only)* | -375.0000% | 7,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0641% | 2,036 |
| Loan loss allowance to noncurrent loans | 2,047.5000% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 6,291 |
| Noncurrent loans to loans | 0.1008% | 7,141 |
| Net loans and leases to total assets | 71.9117% | 2,468 |
| Net loans and leases to deposits | 80.3577% | 3,589 |
| Net loans and leases to core deposits | 89.4320% | 3,442 |
| Total domestic deposits to total assets | 89.4894% | 1,250 |
| Equity capital to assets | 9.7153% | 4,205 |
| Core capital (leverage) ratio | 9.9476% | 3,229 |
| Tier 1 risk-based capital ratio | 11.6509% | 5,526 |
| Total risk-based capital ratio | 12.9081% | 5,483 |
| Memoranda: | ||
| Average total assets | $210,210,000 | 3,097 |
| Average earning assets | $183,320,500 | 3,219 |
| Average equity | $21,080,500 | 3,057 |
| Average total loans | $158,036,500 | 2,781 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9244% | 2,144 |
| Cost of funding earning assets | 0.9024% | 7,403 |
| Net interest margin | 5.0220% | 427 |
| Noninterest income to average assets | 0.6776% | 3,101 |
| Noninterest expense to average assets | 4.0091% | 1,350 |
| Loan and lease loss provision to assets | 0.7896% | 2,764 |
| Net operating income to assets | 0.1768% | 4,975 |
| Return on assets (ROA) | 0.1768% | 5,043 |
| Pretax return on assets | 0.2809% | 4,814 |
| Return on Equity (ROE) | 1.7706% | 4,991 |
| Retained earnings to average equity (ytd only) | 0.5870% | 4,574 |
| Net charge-offs to loans | 0.5848% | 3,465 |
| Credit loss provision to net charge-offs | 179.3770% | 2,326 |
| Earnings coverage of net charge-offs (x) | 2.4318% | 3,909 |
| Efficiency ratio | 78.9258% | 3,055 |
| Assets per employee ($millions) | 4.3461% | 3,199 |
| Cash dividends to net income (ytd only)* | 66.8449% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0457% | 1,924 |
| Loan loss allowance to noncurrent loans | 139.4110% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 1.3644% | 4,380 |
| Noncurrent loans to loans | 1.4674% | 4,464 |
| Net loans and leases to total assets | 75.4594% | 1,932 |
| Net loans and leases to deposits | 84.9723% | 3,095 |
| Net loans and leases to core deposits | 113.2651% | 2,569 |
| Total domestic deposits to total assets | 88.8048% | 1,570 |
| Equity capital to assets | 10.3595% | 3,331 |
| Core capital (leverage) ratio | 9.7314% | 3,412 |
| Tier 1 risk-based capital ratio | 11.9490% | 4,987 |
| Total risk-based capital ratio | 13.2065% | 4,934 |
| Memoranda: | ||
| Average total assets | $211,492,000 | 3,050 |
| Average earning assets | $185,385,400 | 3,153 |
| Average equity | $21,123,000 | 3,054 |
| Average total loans | $159,195,600 | 2,774 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8613% | 2,623 |
| Cost of funding earning assets | 0.9477% | 7,487 |
| Net interest margin | 4.9136% | 534 |
| Noninterest income to average assets | 0.6807% | 3,152 |
| Noninterest expense to average assets | 3.9931% | 1,281 |
| Loan and lease loss provision to assets | 0.3876% | 3,994 |
| Net operating income to assets | 0.3651% | 4,533 |
| Return on assets (ROA) | 0.3651% | 4,636 |
| Pretax return on assets | 0.6007% | 4,184 |
| Return on Equity (ROE) | 3.6879% | 4,506 |
| Retained earnings to average equity (ytd only) | 2.1092% | 4,149 |
| Net charge-offs to loans | 0.3207% | 4,034 |
| Credit loss provision to net charge-offs | 161.4583% | 2,930 |
| Earnings coverage of net charge-offs (x) | 4.1172% | 3,253 |
| Efficiency ratio | 80.1606% | 2,815 |
| Assets per employee ($millions) | 4.5404% | 2,798 |
| Cash dividends to net income (ytd only)* | 42.8087% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 2,580 |
| Loan loss allowance to noncurrent loans | 100.6299% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 1.4578% | 4,195 |
| Noncurrent loans to loans | 1.7022% | 4,087 |
| Net loans and leases to total assets | 71.5069% | 3,152 |
| Net loans and leases to deposits | 80.0900% | 4,368 |
| Net loans and leases to core deposits | 105.0064% | 3,820 |
| Total domestic deposits to total assets | 89.2831% | 1,066 |
| Equity capital to assets | 9.7937% | 4,359 |
| Core capital (leverage) ratio | 9.5011% | 3,906 |
| Tier 1 risk-based capital ratio | 11.8291% | 5,128 |
| Total risk-based capital ratio | 13.0827% | 5,065 |
| Memoranda: | ||
| Average total assets | $213,298,500 | 3,049 |
| Average earning assets | $186,688,750 | 3,154 |
| Average equity | $21,113,500 | 3,083 |
| Average total loans | $159,655,250 | 2,796 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8682% | 2,724 |
| Cost of funding earning assets | 0.9886% | 7,567 |
| Net interest margin | 4.8796% | 562 |
| Noninterest income to average assets | 0.6829% | 3,096 |
| Noninterest expense to average assets | 4.0453% | 1,253 |
| Loan and lease loss provision to assets | 0.2550% | 4,534 |
| Net operating income to assets | 0.3684% | 4,630 |
| Return on assets (ROA) | 0.3684% | 4,724 |
| Pretax return on assets | 0.6064% | 4,304 |
| Return on Equity (ROE) | 3.7078% | 4,614 |
| Retained earnings to average equity (ytd only) | 1.3310% | 4,600 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4447% | 2,672 |
| Assets per employee ($millions) | 4.5677% | 2,666 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 2,365 |
| Loan loss allowance to noncurrent loans | 94.0171% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 4,333 |
| Noncurrent loans to loans | 1.8046% | 3,796 |
| Net loans and leases to total assets | 71.1913% | 3,427 |
| Net loans and leases to deposits | 79.3327% | 4,652 |
| Net loans and leases to core deposits | 104.0031% | 4,061 |
| Total domestic deposits to total assets | 89.7376% | 942 |
| Equity capital to assets | 9.4376% | 4,692 |
| Core capital (leverage) ratio | 9.6046% | 3,759 |
| Tier 1 risk-based capital ratio | 11.7355% | 5,159 |
| Total risk-based capital ratio | 12.9894% | 5,079 |
| Memoranda: | ||
| Average total assets | $211,752,330 | 3,088 |
| Average earning assets | $183,292,000 | 3,222 |
| Average equity | $21,036,670 | 3,097 |
| Average total loans | $160,021,670 | 2,822 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8457% | 3,053 |
| Cost of funding earning assets | 1.0126% | 7,653 |
| Net interest margin | 4.8330% | 570 |
| Noninterest income to average assets | 0.7253% | 2,735 |
| Noninterest expense to average assets | 4.1299% | 1,028 |
| Loan and lease loss provision to assets | 0.2333% | 4,111 |
| Net operating income to assets | 0.3928% | 4,886 |
| Return on assets (ROA) | 0.3928% | 5,062 |
| Pretax return on assets | 0.6494% | 4,591 |
| Return on Equity (ROE) | 3.8488% | 5,005 |
| Retained earnings to average equity (ytd only) | 1.9435% | 4,773 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3894% | 2,486 |
| Assets per employee ($millions) | 4.6644% | 2,491 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6484% | 2,317 |
| Loan loss allowance to noncurrent loans | 94.4081% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.2836% | 4,111 |
| Noncurrent loans to loans | 1.7461% | 3,647 |
| Net loans and leases to total assets | 72.2983% | 3,180 |
| Net loans and leases to deposits | 80.8249% | 4,485 |
| Net loans and leases to core deposits | 105.2230% | 4,002 |
| Total domestic deposits to total assets | 89.4506% | 1,030 |
| Equity capital to assets | 9.8145% | 4,225 |
| Core capital (leverage) ratio | 10.0702% | 3,324 |
| Tier 1 risk-based capital ratio | 11.7574% | 5,162 |
| Total risk-based capital ratio | 13.0103% | 5,081 |
| Memoranda: | ||
| Average total assets | $205,719,500 | 3,170 |
| Average earning assets | $182,493,500 | 3,250 |
| Average equity | $20,993,500 | 3,122 |
| Average total loans | $158,988,000 | 2,865 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0692% | 5,209 |
| Cost of funding earning assets | 1.2865% | 7,861 |
| Net interest margin | 4.7827% | 803 |
| Noninterest income to average assets | 0.8178% | 2,413 |
| Noninterest expense to average assets | 3.8044% | 1,744 |
| Loan and lease loss provision to assets | 1.0456% | 1,400 |
| Net operating income to assets | 0.1571% | 5,965 |
| Return on assets (ROA) | 0.1571% | 5,793 |
| Pretax return on assets | 0.2435% | 5,639 |
| Return on Equity (ROE) | 1.5254% | 5,760 |
| Retained earnings to average equity (ytd only) | 0.0953% | 5,176 |
| Net charge-offs to loans | 0.8703% | 1,437 |
| Credit loss provision to net charge-offs | 169.0476% | 3,039 |
| Earnings coverage of net charge-offs (x) | 2.0841% | 5,035 |
| Efficiency ratio | 74.6916% | 3,461 |
| Assets per employee ($millions) | 4.1016% | 3,306 |
| Cash dividends to net income (ytd only)* | 93.7500% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 2,464 |
| Loan loss allowance to noncurrent loans | 89.9202% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.4009% | 3,396 |
| Noncurrent loans to loans | 1.7210% | 3,185 |
| Net loans and leases to total assets | 80.1369% | 1,636 |
| Net loans and leases to deposits | 90.3428% | 3,397 |
| Net loans and leases to core deposits | 118.0663% | 2,874 |
| Total domestic deposits to total assets | 88.7032% | 1,154 |
| Equity capital to assets | 10.6304% | 3,362 |
| Core capital (leverage) ratio | 9.9184% | 3,524 |
| Tier 1 risk-based capital ratio | 11.6294% | 5,123 |
| Total risk-based capital ratio | 12.8813% | 5,015 |
| Memoranda: | ||
| Average total assets | $203,711,600 | 3,093 |
| Average earning assets | $182,115,800 | 3,160 |
| Average equity | $20,977,600 | 3,097 |
| Average total loans | $144,773,000 | 3,010 |