Home > Palmer Bank > Performance and Condition Ratios
Palmer 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 | 4.8553% | 3,840 |
| Cost of funding earning assets | 1.2765% | 2,079 |
| Net interest margin | 3.5789% | 4,792 |
| Noninterest income to average assets | 0.5124% | 3,766 |
| Noninterest expense to average assets | 2.1090% | 6,575 |
| Loan and lease loss provision to assets | 0.2117% | 3,796 |
| Net operating income to assets | 0.8999% | 2,641 |
| Return on assets (ROA) | 0.9042% | 2,724 |
| Pretax return on assets | 1.3446% | 1,983 |
| Return on Equity (ROE) | 11.5146% | 1,630 |
| Retained earnings to average equity (ytd only) | 11.5146% | 591 |
| Net charge-offs to loans | 0.0306% | 5,414 |
| Credit loss provision to net charge-offs | 1,428.5714% | 247 |
| Earnings coverage of net charge-offs (x) | 104.5714% | 349 |
| Efficiency ratio | 57.6389% | 6,210 |
| Assets per employee ($millions) | 5.5858% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 5,590 |
| Loan loss allowance to noncurrent loans | 39.0780% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 1.9208% | 3,347 |
| Noncurrent loans to loans | 3.0429% | 2,379 |
| Net loans and leases to total assets | 48.2171% | 6,029 |
| Net loans and leases to deposits | 53.7615% | 6,325 |
| Net loans and leases to core deposits | 58.0032% | 6,269 |
| Total domestic deposits to total assets | 89.6870% | 1,127 |
| Equity capital to assets | 8.2710% | 6,452 |
| Core capital (leverage) ratio | 6.2239% | 7,163 |
| Tier 1 risk-based capital ratio | 10.2445% | 6,900 |
| Total risk-based capital ratio | 11.2068% | 6,992 |
| Memoranda: | ||
| Average total assets | $94,451,670 | 5,124 |
| Average earning assets | $83,042,670 | 5,229 |
| Average equity | $7,416,670 | 5,796 |
| Average total loans | $45,678,330 | 5,531 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8228% | 3,944 |
| Cost of funding earning assets | 1.3416% | 1,937 |
| Net interest margin | 3.4812% | 5,095 |
| Noninterest income to average assets | 0.4076% | 4,651 |
| Noninterest expense to average assets | 2.1104% | 6,610 |
| Loan and lease loss provision to assets | 0.4246% | 2,064 |
| Net operating income to assets | 0.6327% | 3,850 |
| Return on assets (ROA) | 0.6327% | 3,921 |
| Pretax return on assets | 0.8917% | 3,529 |
| Return on Equity (ROE) | 8.2801% | 2,783 |
| Retained earnings to average equity (ytd only) | 8.2801% | 1,623 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5861% | 5,745 |
| Assets per employee ($millions) | 5.6056% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 5,433 |
| Loan loss allowance to noncurrent loans | 59.6791% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 1.0630% | 4,803 |
| Noncurrent loans to loans | 2.0826% | 3,464 |
| Net loans and leases to total assets | 46.5271% | 6,234 |
| Net loans and leases to deposits | 51.5444% | 6,509 |
| Net loans and leases to core deposits | 55.4100% | 6,457 |
| Total domestic deposits to total assets | 90.2660% | 980 |
| Equity capital to assets | 7.6720% | 6,769 |
| Core capital (leverage) ratio | 5.9891% | 7,252 |
| Tier 1 risk-based capital ratio | 9.8419% | 7,056 |
| Total risk-based capital ratio | 10.8245% | 7,133 |
| Memoranda: | ||
| Average total assets | $94,198,500 | 5,164 |
| Average earning assets | $81,695,000 | 5,308 |
| Average equity | $7,198,000 | 5,871 |
| Average total loans | $45,349,000 | 5,594 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2313% | 3,454 |
| Cost of funding earning assets | 1.6059% | 2,040 |
| Net interest margin | 3.6253% | 4,701 |
| Noninterest income to average assets | 0.4924% | 4,232 |
| Noninterest expense to average assets | 2.1175% | 6,807 |
| Loan and lease loss provision to assets | 0.9476% | 1,721 |
| Net operating income to assets | 0.4831% | 4,185 |
| Return on assets (ROA) | 0.4831% | 4,337 |
| Pretax return on assets | 0.6018% | 4,321 |
| Return on Equity (ROE) | 5.7967% | 3,702 |
| Retained earnings to average equity (ytd only) | 3.5619% | 3,368 |
| Net charge-offs to loans | 1.5783% | 1,383 |
| Credit loss provision to net charge-offs | 113.6872% | 3,826 |
| Earnings coverage of net charge-offs (x) | 1.8589% | 4,337 |
| Efficiency ratio | 57.7460% | 6,370 |
| Assets per employee ($millions) | 5.4766% | 1,607 |
| Cash dividends to net income (ytd only)* | 38.5542% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 6,388 |
| Loan loss allowance to noncurrent loans | 67.5516% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 0.8120% | 5,376 |
| Noncurrent loans to loans | 1.4803% | 4,262 |
| Net loans and leases to total assets | 48.7036% | 6,307 |
| Net loans and leases to deposits | 54.0285% | 6,607 |
| Net loans and leases to core deposits | 57.9906% | 6,563 |
| Total domestic deposits to total assets | 90.1441% | 1,017 |
| Equity capital to assets | 7.6099% | 6,808 |
| Core capital (leverage) ratio | 5.9416% | 7,310 |
| Tier 1 risk-based capital ratio | 9.2665% | 7,193 |
| Total risk-based capital ratio | 10.0467% | 7,289 |
| Memoranda: | ||
| Average total assets | $85,903,800 | 5,410 |
| Average earning assets | $75,220,400 | 5,503 |
| Average equity | $7,159,200 | 5,978 |
| Average total loans | $45,364,400 | 5,692 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2471% | 3,597 |
| Cost of funding earning assets | 1.6261% | 2,242 |
| Net interest margin | 3.6210% | 4,779 |
| Noninterest income to average assets | 0.4677% | 4,433 |
| Noninterest expense to average assets | 2.0704% | 6,917 |
| Loan and lease loss provision to assets | 0.5866% | 2,589 |
| Net operating income to assets | 0.6912% | 3,456 |
| Return on assets (ROA) | 0.6912% | 3,614 |
| Pretax return on assets | 1.0019% | 3,177 |
| Return on Equity (ROE) | 8.0989% | 2,859 |
| Retained earnings to average equity (ytd only) | 5.1268% | 2,898 |
| Net charge-offs to loans | 0.1679% | 4,965 |
| Credit loss provision to net charge-offs | 649.1228% | 452 |
| Earnings coverage of net charge-offs (x) | 17.5786% | 1,318 |
| Efficiency ratio | 56.5858% | 6,477 |
| Assets per employee ($millions) | 5.3288% | 1,792 |
| Cash dividends to net income (ytd only)* | 36.6975% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 4,280 |
| Loan loss allowance to noncurrent loans | 40.6156% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 1.8291% | 3,707 |
| Noncurrent loans to loans | 3.5354% | 2,222 |
| Net loans and leases to total assets | 50.9946% | 6,222 |
| Net loans and leases to deposits | 57.0751% | 6,535 |
| Net loans and leases to core deposits | 61.1697% | 6,528 |
| Total domestic deposits to total assets | 89.3465% | 1,205 |
| Equity capital to assets | 8.1698% | 6,646 |
| Core capital (leverage) ratio | 6.2694% | 7,392 |
| Tier 1 risk-based capital ratio | 9.1434% | 7,336 |
| Total risk-based capital ratio | 10.2702% | 7,377 |
| Memoranda: | ||
| Average total assets | $84,104,250 | 5,536 |
| Average earning assets | $74,121,750 | 5,601 |
| Average equity | $7,177,750 | 6,049 |
| Average total loans | $45,255,000 | 5,775 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3970% | 2,987 |
| Cost of funding earning assets | 1.6543% | 2,366 |
| Net interest margin | 3.7427% | 4,169 |
| Noninterest income to average assets | 0.4198% | 4,758 |
| Noninterest expense to average assets | 2.0478% | 7,024 |
| Loan and lease loss provision to assets | 0.0976% | 5,935 |
| Net operating income to assets | 1.0593% | 1,985 |
| Return on assets (ROA) | 1.0593% | 2,057 |
| Pretax return on assets | 1.5987% | 1,308 |
| Return on Equity (ROE) | 12.2196% | 1,396 |
| Retained earnings to average equity (ytd only) | 7.7147% | 1,542 |
| Net charge-offs to loans | 0.0805% | 5,332 |
| Credit loss provision to net charge-offs | 222.2222% | 1,750 |
| Earnings coverage of net charge-offs (x) | 38.6111% | 749 |
| Efficiency ratio | 54.6936% | 6,799 |
| Assets per employee ($millions) | 5.4181% | 1,695 |
| Cash dividends to net income (ytd only)* | 36.8664% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8369% | 6,945 |
| Loan loss allowance to noncurrent loans | 553.6232% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 7,199 |
| Noncurrent loans to loans | 0.1512% | 6,959 |
| Net loans and leases to total assets | 52.2102% | 6,189 |
| Net loans and leases to deposits | 58.8218% | 6,510 |
| Net loans and leases to core deposits | 63.0569% | 6,477 |
| Total domestic deposits to total assets | 88.7599% | 1,565 |
| Equity capital to assets | 8.4589% | 6,218 |
| Core capital (leverage) ratio | 6.5697% | 7,360 |
| Tier 1 risk-based capital ratio | 9.3554% | 7,317 |
| Total risk-based capital ratio | 10.0117% | 7,469 |
| Memoranda: | ||
| Average total assets | $81,942,330 | 5,628 |
| Average earning assets | $72,781,670 | 5,680 |
| Average equity | $7,103,330 | 6,109 |
| Average total loans | $44,717,000 | 5,831 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3488% | 3,306 |
| Cost of funding earning assets | 1.7121% | 2,329 |
| Net interest margin | 3.6367% | 4,551 |
| Noninterest income to average assets | 0.3620% | 5,245 |
| Noninterest expense to average assets | 2.1667% | 6,765 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9652% | 2,309 |
| Return on assets (ROA) | 0.9652% | 2,376 |
| Pretax return on assets | 1.4629% | 1,610 |
| Return on Equity (ROE) | 10.9895% | 1,793 |
| Retained earnings to average equity (ytd only) | 7.5553% | 1,899 |
| Net charge-offs to loans | 0.1537% | 4,004 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 17.1176% | 1,300 |
| Efficiency ratio | 59.6953% | 6,226 |
| Assets per employee ($millions) | 5.1303% | 2,053 |
| Cash dividends to net income (ytd only)* | 31.2500% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7570% | 7,229 |
| Loan loss allowance to noncurrent loans | 490.0000% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 7,275 |
| Noncurrent loans to loans | 0.1545% | 7,030 |
| Net loans and leases to total assets | 54.7793% | 5,919 |
| Net loans and leases to deposits | 61.9063% | 6,283 |
| Net loans and leases to core deposits | 65.8018% | 6,301 |
| Total domestic deposits to total assets | 88.4874% | 1,795 |
| Equity capital to assets | 8.6095% | 5,857 |
| Core capital (leverage) ratio | 6.7661% | 7,368 |
| Tier 1 risk-based capital ratio | 9.5266% | 7,292 |
| Total risk-based capital ratio | 10.1412% | 7,516 |
| Memoranda: | ||
| Average total assets | $79,568,500 | 5,782 |
| Average earning assets | $71,492,500 | 5,799 |
| Average equity | $6,988,500 | 6,192 |
| Average total loans | $44,254,000 | 5,928 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7388% | 2,914 |
| Cost of funding earning assets | 1.9602% | 3,154 |
| Net interest margin | 3.7786% | 3,805 |
| Noninterest income to average assets | 0.7882% | 2,464 |
| Noninterest expense to average assets | 2.5382% | 5,995 |
| Loan and lease loss provision to assets | 0.0767% | 6,824 |
| Net operating income to assets | 1.1768% | 1,309 |
| Return on assets (ROA) | 1.1874% | 1,324 |
| Pretax return on assets | 1.6169% | 930 |
| Return on Equity (ROE) | 12.1392% | 1,126 |
| Retained earnings to average equity (ytd only) | -10.0396% | 6,522 |
| Net charge-offs to loans | 0.0497% | 6,605 |
| Credit loss provision to net charge-offs | 265.0000% | 1,325 |
| Earnings coverage of net charge-offs (x) | 58.0500% | 457 |
| Efficiency ratio | 60.1852% | 6,465 |
| Assets per employee ($millions) | 4.8158% | 2,457 |
| Cash dividends to net income (ytd only)* | 182.7040% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8333% | 7,035 |
| Loan loss allowance to noncurrent loans | 292.6829% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 7,076 |
| Noncurrent loans to loans | 0.2847% | 6,714 |
| Net loans and leases to total assets | 55.5981% | 6,013 |
| Net loans and leases to deposits | 62.8835% | 6,374 |
| Net loans and leases to core deposits | 84.5287% | 5,669 |
| Total domestic deposits to total assets | 88.4145% | 1,764 |
| Equity capital to assets | 8.9679% | 5,194 |
| Core capital (leverage) ratio | 7.0399% | 7,204 |
| Tier 1 risk-based capital ratio | 9.8275% | 7,003 |
| Total risk-based capital ratio | 10.5099% | 7,350 |
| Memoranda: | ||
| Average total assets | $69,144,600 | 6,032 |
| Average earning assets | $62,747,800 | 6,043 |
| Average equity | $6,763,200 | 6,349 |
| Average total loans | $40,270,800 | 6,094 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7455% | 3,115 |
| Cost of funding earning assets | 1.9782% | 3,476 |
| Net interest margin | 3.7674% | 3,788 |
| Noninterest income to average assets | 0.8794% | 2,062 |
| Noninterest expense to average assets | 2.3602% | 6,529 |
| Loan and lease loss provision to assets | 0.0258% | 7,095 |
| Net operating income to assets | 1.4128% | 995 |
| Return on assets (ROA) | 1.4272% | 1,032 |
| Pretax return on assets | 1.9572% | 583 |
| Return on Equity (ROE) | 14.2517% | 888 |
| Retained earnings to average equity (ytd only) | -15.4807% | 7,160 |
| Net charge-offs to loans | 0.0641% | 6,053 |
| Credit loss provision to net charge-offs | 68.4211% | 6,013 |
| Earnings coverage of net charge-offs (x) | 52.0580% | 608 |
| Efficiency ratio | 54.5914% | 7,174 |
| Assets per employee ($millions) | 4.5369% | 2,807 |
| Cash dividends to net income (ytd only)* | 208.6237% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7585% | 7,238 |
| Loan loss allowance to noncurrent loans | 401.2500% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 7,272 |
| Noncurrent loans to loans | 0.1890% | 7,025 |
| Net loans and leases to total assets | 57.8565% | 5,910 |
| Net loans and leases to deposits | 65.5032% | 6,353 |
| Net loans and leases to core deposits | 87.4485% | 5,697 |
| Total domestic deposits to total assets | 88.3262% | 1,506 |
| Equity capital to assets | 9.3539% | 4,949 |
| Core capital (leverage) ratio | 7.4237% | 7,057 |
| Tier 1 risk-based capital ratio | 10.2056% | 6,777 |
| Total risk-based capital ratio | 10.8481% | 7,267 |
| Memoranda: | ||
| Average total assets | $67,167,500 | 6,144 |
| Average earning assets | $61,402,750 | 6,129 |
| Average equity | $6,726,500 | 6,415 |
| Average total loans | $39,538,500 | 6,180 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7727% | 3,183 |
| Cost of funding earning assets | 2.0208% | 3,677 |
| Net interest margin | 3.7519% | 3,747 |
| Noninterest income to average assets | 1.0526% | 1,424 |
| Noninterest expense to average assets | 2.2827% | 6,807 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6464% | 623 |
| Return on assets (ROA) | 1.6554% | 673 |
| Pretax return on assets | 2.2307% | 333 |
| Return on Equity (ROE) | 16.1364% | 675 |
| Retained earnings to average equity (ytd only) | -27.1128% | 7,636 |
| Net charge-offs to loans | -0.0052% | 7,530 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7138% | 7,617 |
| Assets per employee ($millions) | 4.2732% | 3,158 |
| Cash dividends to net income (ytd only)* | 268.0222% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 6,943 |
| Loan loss allowance to noncurrent loans | 482.3529% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 7,333 |
| Noncurrent loans to loans | 0.1782% | 7,072 |
| Net loans and leases to total assets | 55.3305% | 6,292 |
| Net loans and leases to deposits | 63.1658% | 6,639 |
| Net loans and leases to core deposits | 83.7633% | 6,104 |
| Total domestic deposits to total assets | 87.5956% | 1,971 |
| Equity capital to assets | 9.4090% | 4,735 |
| Core capital (leverage) ratio | 7.4650% | 7,067 |
| Tier 1 risk-based capital ratio | 10.6996% | 6,181 |
| Total risk-based capital ratio | 11.4080% | 6,691 |
| Memoranda: | ||
| Average total assets | $65,360,000 | 6,250 |
| Average earning assets | $60,076,000 | 6,221 |
| Average equity | $6,705,330 | 6,465 |
| Average total loans | $38,611,670 | 6,265 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7354% | 3,612 |
| Cost of funding earning assets | 2.0061% | 4,095 |
| Net interest margin | 3.7294% | 3,765 |
| Noninterest income to average assets | 1.0336% | 1,391 |
| Noninterest expense to average assets | 2.2739% | 6,620 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6554% | 706 |
| Return on assets (ROA) | 1.6600% | 772 |
| Pretax return on assets | 2.2363% | 406 |
| Return on Equity (ROE) | 15.4937% | 892 |
| Retained earnings to average equity (ytd only) | -69.2831% | 8,095 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4868% | 7,552 |
| Assets per employee ($millions) | 3.6772% | 4,387 |
| Cash dividends to net income (ytd only)* | 547.1698% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 6,975 |
| Loan loss allowance to noncurrent loans | 219.4631% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 6,856 |
| Noncurrent loans to loans | 0.3870% | 6,451 |
| Net loans and leases to total assets | 57.6734% | 5,997 |
| Net loans and leases to deposits | 65.5561% | 6,417 |
| Net loans and leases to core deposits | 86.0880% | 5,891 |
| Total domestic deposits to total assets | 87.9755% | 1,756 |
| Equity capital to assets | 9.4637% | 4,725 |
| Core capital (leverage) ratio | 7.3536% | 7,318 |
| Tier 1 risk-based capital ratio | 10.0570% | 6,844 |
| Total risk-based capital ratio | 10.7621% | 7,364 |
| Memoranda: | ||
| Average total assets | $63,854,500 | 6,330 |
| Average earning assets | $59,420,000 | 6,283 |
| Average equity | $6,841,500 | 6,463 |
| Average total loans | $38,838,500 | 6,283 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4722% | 3,106 |
| Cost of funding earning assets | 2.5391% | 4,007 |
| Net interest margin | 3.9331% | 3,430 |
| Noninterest income to average assets | 0.7547% | 2,755 |
| Noninterest expense to average assets | 2.5352% | 5,871 |
| Loan and lease loss provision to assets | 0.0086% | 7,265 |
| Net operating income to assets | 1.2028% | 1,758 |
| Return on assets (ROA) | 1.2196% | 1,659 |
| Pretax return on assets | 1.8714% | 812 |
| Return on Equity (ROE) | 9.9196% | 2,290 |
| Retained earnings to average equity (ytd only) | 3.7111% | 2,830 |
| Net charge-offs to loans | -0.0028% | 7,756 |
| Credit loss provision to net charge-offs | -500.0000% | 7,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7569% | 6,740 |
| Assets per employee ($millions) | 3.4177% | 4,890 |
| Cash dividends to net income (ytd only)* | 62.5879% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8347% | 6,960 |
| Loan loss allowance to noncurrent loans | 1,635.0000% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 7,462 |
| Noncurrent loans to loans | 0.0511% | 7,305 |
| Net loans and leases to total assets | 63.1496% | 5,426 |
| Net loans and leases to deposits | 74.3692% | 5,802 |
| Net loans and leases to core deposits | 97.2514% | 5,122 |
| Total domestic deposits to total assets | 84.9136% | 2,881 |
| Equity capital to assets | 12.0597% | 2,257 |
| Core capital (leverage) ratio | 9.7350% | 3,727 |
| Tier 1 risk-based capital ratio | 12.8066% | 4,215 |
| Total risk-based capital ratio | 13.5207% | 4,495 |
| Memoranda: | ||
| Average total assets | $58,299,200 | 6,439 |
| Average earning assets | $53,876,400 | 6,420 |
| Average equity | $7,167,600 | 6,397 |
| Average total loans | $35,737,000 | 6,382 |