Home > Patriot Bank of Georgia > Performance and Condition Ratios
Patriot Bank of Georgia, 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 | 3.6182% | 7,085 |
| Cost of funding earning assets | 2.1989% | 71 |
| Net interest margin | 1.4194% | 7,450 |
| Noninterest income to average assets | 0.4962% | 3,895 |
| Noninterest expense to average assets | 3.3728% | 2,336 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.7029% | 7,140 |
| Return on assets (ROA) | -1.6991% | 7,150 |
| Pretax return on assets | -1.6991% | 7,112 |
| Return on Equity (ROE) | -81.0533% | 7,419 |
| Retained earnings to average equity (ytd only) | -81.0533% | 7,416 |
| Net charge-offs to loans | 0.9797% | 1,605 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -2.4093% | 5,730 |
| Efficiency ratio | 201.9757% | 60 |
| Assets per employee ($millions) | 9.4219% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1961% | 1,925 |
| Loan loss allowance to noncurrent loans | 8.8325% | 6,966 |
| Noncurrent assets plus other real estate owned to assets | 30.2937% | 14 |
| Noncurrent loans to loans | 24.8640% | 33 |
| Net loans and leases to total assets | 72.1421% | 1,761 |
| Net loans and leases to deposits | 77.3440% | 3,245 |
| Net loans and leases to core deposits | 83.5343% | 3,281 |
| Total domestic deposits to total assets | 93.2743% | 118 |
| Equity capital to assets | 1.7804% | 7,484 |
| Core capital (leverage) ratio | 1.6973% | 7,483 |
| Tier 1 risk-based capital ratio | 2.1173% | 7,487 |
| Total risk-based capital ratio | 3.3762% | 7,487 |
| Memoranda: | ||
| Average total assets | $157,612,000 | 3,721 |
| Average earning assets | $130,339,670 | 3,975 |
| Average equity | $3,304,000 | 7,040 |
| Average total loans | $113,704,330 | 3,369 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8241% | 6,920 |
| Cost of funding earning assets | 2.2398% | 75 |
| Net interest margin | 1.5843% | 7,493 |
| Noninterest income to average assets | 1.1152% | 1,051 |
| Noninterest expense to average assets | 3.2339% | 2,757 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8221% | 6,971 |
| Return on assets (ROA) | -0.8072% | 6,973 |
| Pretax return on assets | -0.8072% | 6,927 |
| Return on Equity (ROE) | -35.9712% | 7,363 |
| Retained earnings to average equity (ytd only) | -35.9712% | 7,340 |
| Net charge-offs to loans | 0.3549% | 2,645 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -3.2451% | 4,994 |
| Efficiency ratio | 134.0886% | 235 |
| Assets per employee ($millions) | 9.4694% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5844% | 1,336 |
| Loan loss allowance to noncurrent loans | 14.0406% | 6,943 |
| Noncurrent assets plus other real estate owned to assets | 28.6224% | 12 |
| Noncurrent loans to loans | 18.4065% | 84 |
| Net loans and leases to total assets | 67.8343% | 2,584 |
| Net loans and leases to deposits | 72.7688% | 3,953 |
| Net loans and leases to core deposits | 78.1612% | 3,996 |
| Total domestic deposits to total assets | 93.2190% | 120 |
| Equity capital to assets | 2.1549% | 7,525 |
| Core capital (leverage) ratio | 2.2290% | 7,515 |
| Tier 1 risk-based capital ratio | 2.7564% | 7,531 |
| Total risk-based capital ratio | 4.0178% | 7,533 |
| Memoranda: | ||
| Average total assets | $161,042,500 | 3,687 |
| Average earning assets | $131,795,500 | 3,981 |
| Average equity | $3,614,000 | 6,983 |
| Average total loans | $114,958,000 | 3,366 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3353% | 6,721 |
| Cost of funding earning assets | 2.6012% | 75 |
| Net interest margin | 1.7341% | 7,514 |
| Noninterest income to average assets | -0.1861% | 7,462 |
| Noninterest expense to average assets | 2.4413% | 5,970 |
| Loan and lease loss provision to assets | 2.4183% | 474 |
| Net operating income to assets | -3.5453% | 7,379 |
| Return on assets (ROA) | -3.5041% | 7,389 |
| Pretax return on assets | -3.5041% | 7,368 |
| Return on Equity (ROE) | -77.8397% | 7,544 |
| Retained earnings to average equity (ytd only) | -77.8397% | 7,542 |
| Net charge-offs to loans | 3.2236% | 485 |
| Credit loss provision to net charge-offs | 98.7734% | 4,681 |
| Earnings coverage of net charge-offs (x) | -0.4603% | 6,435 |
| Efficiency ratio | 185.7527% | 107 |
| Assets per employee ($millions) | 8.9503% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5454% | 1,357 |
| Loan loss allowance to noncurrent loans | 12.4301% | 7,053 |
| Noncurrent assets plus other real estate owned to assets | 28.6395% | 11 |
| Noncurrent loans to loans | 20.4778% | 65 |
| Net loans and leases to total assets | 71.2705% | 2,242 |
| Net loans and leases to deposits | 76.5601% | 3,754 |
| Net loans and leases to core deposits | 83.2380% | 3,716 |
| Total domestic deposits to total assets | 93.0909% | 136 |
| Equity capital to assets | 2.3332% | 7,601 |
| Core capital (leverage) ratio | 2.4033% | 7,588 |
| Tier 1 risk-based capital ratio | 2.9676% | 7,605 |
| Total risk-based capital ratio | 4.2301% | 7,606 |
| Memoranda: | ||
| Average total assets | $169,829,200 | 3,540 |
| Average earning assets | $146,932,800 | 3,690 |
| Average equity | $7,645,200 | 5,825 |
| Average total loans | $128,986,800 | 3,139 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 6,481 |
| Cost of funding earning assets | 2.6754% | 71 |
| Net interest margin | 1.8681% | 7,609 |
| Noninterest income to average assets | -0.1814% | 7,586 |
| Noninterest expense to average assets | 2.3029% | 6,317 |
| Loan and lease loss provision to assets | 1.9781% | 601 |
| Net operating income to assets | -2.8300% | 7,416 |
| Return on assets (ROA) | -2.7912% | 7,424 |
| Pretax return on assets | -2.7912% | 7,377 |
| Return on Equity (ROE) | -55.7195% | 7,585 |
| Retained earnings to average equity (ytd only) | -55.7195% | 7,583 |
| Net charge-offs to loans | 3.1385% | 473 |
| Credit loss provision to net charge-offs | 82.2695% | 5,062 |
| Earnings coverage of net charge-offs (x) | -0.3543% | 6,270 |
| Efficiency ratio | 158.7073% | 167 |
| Assets per employee ($millions) | 8.7512% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0357% | 2,133 |
| Loan loss allowance to noncurrent loans | 16.0679% | 7,048 |
| Noncurrent assets plus other real estate owned to assets | 21.5532% | 42 |
| Noncurrent loans to loans | 12.6694% | 247 |
| Net loans and leases to total assets | 72.3561% | 2,180 |
| Net loans and leases to deposits | 78.8864% | 3,649 |
| Net loans and leases to core deposits | 85.5177% | 3,725 |
| Total domestic deposits to total assets | 91.7220% | 252 |
| Equity capital to assets | 3.8130% | 7,650 |
| Core capital (leverage) ratio | 3.6856% | 7,639 |
| Tier 1 risk-based capital ratio | 4.5934% | 7,658 |
| Total risk-based capital ratio | 5.8501% | 7,665 |
| Memoranda: | ||
| Average total assets | $172,010,000 | 3,540 |
| Average earning assets | $150,306,250 | 3,677 |
| Average equity | $8,616,750 | 5,595 |
| Average total loans | $131,778,500 | 3,146 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7946% | 5,814 |
| Cost of funding earning assets | 2.6882% | 96 |
| Net interest margin | 2.1063% | 7,618 |
| Noninterest income to average assets | -0.3323% | 7,720 |
| Noninterest expense to average assets | 2.0894% | 6,940 |
| Loan and lease loss provision to assets | 1.0027% | 1,451 |
| Net operating income to assets | -1.5639% | 7,172 |
| Return on assets (ROA) | -1.5467% | 7,174 |
| Pretax return on assets | -1.5467% | 7,089 |
| Return on Equity (ROE) | -28.6913% | 7,418 |
| Retained earnings to average equity (ytd only) | -28.6913% | 7,403 |
| Net charge-offs to loans | 1.8135% | 1,028 |
| Credit loss provision to net charge-offs | 71.3584% | 4,934 |
| Earnings coverage of net charge-offs (x) | -0.3993% | 5,980 |
| Efficiency ratio | 136.7193% | 271 |
| Assets per employee ($millions) | 9.0073% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0238% | 2,124 |
| Loan loss allowance to noncurrent loans | 19.9174% | 6,945 |
| Noncurrent assets plus other real estate owned to assets | 16.3516% | 109 |
| Noncurrent loans to loans | 10.1609% | 435 |
| Net loans and leases to total assets | 76.4063% | 1,418 |
| Net loans and leases to deposits | 84.3598% | 2,809 |
| Net loans and leases to core deposits | 94.1275% | 2,694 |
| Total domestic deposits to total assets | 90.5720% | 657 |
| Equity capital to assets | 5.0298% | 7,632 |
| Core capital (leverage) ratio | 4.9322% | 7,610 |
| Tier 1 risk-based capital ratio | 6.0371% | 7,660 |
| Total risk-based capital ratio | 7.2952% | 7,663 |
| Memoranda: | ||
| Average total assets | $173,922,670 | 3,535 |
| Average earning assets | $153,632,000 | 3,644 |
| Average equity | $9,375,670 | 5,387 |
| Average total loans | $134,768,670 | 3,106 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1847% | 4,109 |
| Cost of funding earning assets | 2.7110% | 112 |
| Net interest margin | 2.4737% | 7,491 |
| Noninterest income to average assets | 0.0753% | 7,326 |
| Noninterest expense to average assets | 1.9987% | 7,163 |
| Loan and lease loss provision to assets | 0.2373% | 4,149 |
| Net operating income to assets | 0.0274% | 6,224 |
| Return on assets (ROA) | 0.0228% | 6,347 |
| Pretax return on assets | 0.0228% | 6,311 |
| Return on Equity (ROE) | 0.4099% | 6,305 |
| Retained earnings to average equity (ytd only) | 0.4099% | 5,673 |
| Net charge-offs to loans | 0.5376% | 2,454 |
| Credit loss provision to net charge-offs | 57.1429% | 4,357 |
| Earnings coverage of net charge-offs (x) | 0.6374% | 4,457 |
| Efficiency ratio | 88.3065% | 1,558 |
| Assets per employee ($millions) | 8.7044% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2219% | 1,701 |
| Loan loss allowance to noncurrent loans | 40.0809% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 12.9062% | 211 |
| Noncurrent loans to loans | 5.5436% | 1,254 |
| Net loans and leases to total assets | 75.1268% | 1,709 |
| Net loans and leases to deposits | 83.5843% | 3,012 |
| Net loans and leases to core deposits | 94.1882% | 2,820 |
| Total domestic deposits to total assets | 89.8815% | 1,050 |
| Equity capital to assets | 5.6546% | 7,663 |
| Core capital (leverage) ratio | 5.6209% | 7,635 |
| Tier 1 risk-based capital ratio | 6.7764% | 7,718 |
| Total risk-based capital ratio | 8.0216% | 7,722 |
| Memoranda: | ||
| Average total assets | $175,314,500 | 3,569 |
| Average earning assets | $155,071,000 | 3,667 |
| Average equity | $9,759,500 | 5,307 |
| Average total loans | $135,422,000 | 3,156 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2887% | 5,238 |
| Cost of funding earning assets | 3.4278% | 58 |
| Net interest margin | 1.8609% | 7,791 |
| Noninterest income to average assets | 0.1728% | 6,840 |
| Noninterest expense to average assets | 2.8868% | 4,580 |
| Loan and lease loss provision to assets | 1.4416% | 1,598 |
| Net operating income to assets | -2.4844% | 7,264 |
| Return on assets (ROA) | -2.4071% | 7,243 |
| Pretax return on assets | -2.4071% | 7,114 |
| Return on Equity (ROE) | -33.9341% | 7,476 |
| Retained earnings to average equity (ytd only) | -33.9341% | 7,464 |
| Net charge-offs to loans | 1.4271% | 1,761 |
| Credit loss provision to net charge-offs | 126.9824% | 4,093 |
| Earnings coverage of net charge-offs (x) | -0.9186% | 6,866 |
| Efficiency ratio | 156.5531% | 269 |
| Assets per employee ($millions) | 9.2917% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2249% | 1,599 |
| Loan loss allowance to noncurrent loans | 34.1545% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 12.6321% | 223 |
| Noncurrent loans to loans | 6.5142% | 919 |
| Net loans and leases to total assets | 75.9230% | 1,816 |
| Net loans and leases to deposits | 84.1892% | 3,222 |
| Net loans and leases to core deposits | 148.8693% | 537 |
| Total domestic deposits to total assets | 90.1814% | 888 |
| Equity capital to assets | 5.4803% | 7,737 |
| Core capital (leverage) ratio | 5.5715% | 7,699 |
| Tier 1 risk-based capital ratio | 6.6493% | 7,782 |
| Total risk-based capital ratio | 7.9094% | 7,782 |
| Memoranda: | ||
| Average total assets | $165,513,200 | 3,679 |
| Average earning assets | $148,636,800 | 3,740 |
| Average equity | $11,740,400 | 4,806 |
| Average total loans | $131,661,200 | 3,235 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3065% | 5,391 |
| Cost of funding earning assets | 3.5495% | 55 |
| Net interest margin | 1.7570% | 7,897 |
| Noninterest income to average assets | 0.1442% | 7,143 |
| Noninterest expense to average assets | 2.9442% | 4,256 |
| Loan and lease loss provision to assets | 1.4164% | 1,357 |
| Net operating income to assets | -2.6354% | 7,495 |
| Return on assets (ROA) | -2.5379% | 7,475 |
| Pretax return on assets | -2.5379% | 7,359 |
| Return on Equity (ROE) | -33.7003% | 7,678 |
| Retained earnings to average equity (ytd only) | -33.7003% | 7,671 |
| Net charge-offs to loans | 1.7026% | 1,190 |
| Credit loss provision to net charge-offs | 103.9063% | 4,894 |
| Earnings coverage of net charge-offs (x) | -0.8942% | 6,608 |
| Efficiency ratio | 170.6553% | 234 |
| Assets per employee ($millions) | 8.7802% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9770% | 1,855 |
| Loan loss allowance to noncurrent loans | 41.4297% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 9.6103% | 370 |
| Noncurrent loans to loans | 4.7719% | 1,426 |
| Net loans and leases to total assets | 73.6378% | 2,633 |
| Net loans and leases to deposits | 82.3024% | 3,956 |
| Net loans and leases to core deposits | 147.0730% | 656 |
| Total domestic deposits to total assets | 89.4723% | 984 |
| Equity capital to assets | 6.1189% | 7,837 |
| Core capital (leverage) ratio | 6.1711% | 7,769 |
| Tier 1 risk-based capital ratio | 7.5504% | 7,849 |
| Total risk-based capital ratio | 8.8080% | 7,853 |
| Memoranda: | ||
| Average total assets | $162,756,000 | 3,747 |
| Average earning assets | $146,458,750 | 3,788 |
| Average equity | $12,256,750 | 4,731 |
| Average total loans | $130,305,000 | 3,299 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4223% | 5,029 |
| Cost of funding earning assets | 3.6472% | 67 |
| Net interest margin | 1.7751% | 7,952 |
| Noninterest income to average assets | -0.0606% | 8,014 |
| Noninterest expense to average assets | 3.3608% | 2,750 |
| Loan and lease loss provision to assets | 1.4248% | 1,220 |
| Net operating income to assets | -3.2535% | 7,717 |
| Return on assets (ROA) | -3.1198% | 7,696 |
| Pretax return on assets | -3.1198% | 7,598 |
| Return on Equity (ROE) | -38.7440% | 7,833 |
| Retained earnings to average equity (ytd only) | -38.7440% | 7,818 |
| Net charge-offs to loans | 1.2931% | 1,432 |
| Credit loss provision to net charge-offs | 134.5650% | 3,467 |
| Earnings coverage of net charge-offs (x) | -1.7271% | 6,327 |
| Efficiency ratio | 219.3575% | 161 |
| Assets per employee ($millions) | 8.2509% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1834% | 1,269 |
| Loan loss allowance to noncurrent loans | 30.8942% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 10.5656% | 251 |
| Noncurrent loans to loans | 7.0674% | 681 |
| Net loans and leases to total assets | 76.9121% | 1,966 |
| Net loans and leases to deposits | 85.7201% | 3,596 |
| Net loans and leases to core deposits | 158.1888% | 483 |
| Total domestic deposits to total assets | 89.7247% | 950 |
| Equity capital to assets | 6.8272% | 7,698 |
| Core capital (leverage) ratio | 7.0840% | 7,471 |
| Tier 1 risk-based capital ratio | 8.2199% | 7,890 |
| Total risk-based capital ratio | 9.4800% | 7,912 |
| Memoranda: | ||
| Average total assets | $158,473,330 | 3,857 |
| Average earning assets | $142,190,000 | 3,899 |
| Average equity | $12,760,670 | 4,608 |
| Average total loans | $129,767,000 | 3,342 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5444% | 4,670 |
| Cost of funding earning assets | 3.6264% | 104 |
| Net interest margin | 1.9180% | 7,937 |
| Noninterest income to average assets | 0.1959% | 6,895 |
| Noninterest expense to average assets | 2.0335% | 7,272 |
| Loan and lease loss provision to assets | 0.8479% | 1,535 |
| Net operating income to assets | -0.9175% | 7,207 |
| Return on assets (ROA) | -0.7603% | 7,140 |
| Pretax return on assets | -0.7603% | 7,010 |
| Return on Equity (ROE) | -8.7356% | 7,283 |
| Retained earnings to average equity (ytd only) | -8.7356% | 6,989 |
| Net charge-offs to loans | 0.7089% | 1,768 |
| Credit loss provision to net charge-offs | 143.0435% | 2,867 |
| Earnings coverage of net charge-offs (x) | -0.1174% | 5,088 |
| Efficiency ratio | 103.5433% | 1,000 |
| Assets per employee ($millions) | 7.7785% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9998% | 1,417 |
| Loan loss allowance to noncurrent loans | 24.3435% | 6,949 |
| Noncurrent assets plus other real estate owned to assets | 9.7198% | 241 |
| Noncurrent loans to loans | 8.2149% | 426 |
| Net loans and leases to total assets | 83.2248% | 822 |
| Net loans and leases to deposits | 94.7402% | 2,149 |
| Net loans and leases to core deposits | 172.5281% | 306 |
| Total domestic deposits to total assets | 87.8453% | 1,823 |
| Equity capital to assets | 8.5647% | 5,967 |
| Core capital (leverage) ratio | 8.6489% | 5,262 |
| Tier 1 risk-based capital ratio | 9.7287% | 7,222 |
| Total risk-based capital ratio | 10.9868% | 7,126 |
| Memoranda: | ||
| Average total assets | $155,201,500 | 3,923 |
| Average earning assets | $143,062,500 | 3,896 |
| Average equity | $13,508,000 | 4,442 |
| Average total loans | $129,775,000 | 3,367 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6684% | 2,166 |
| Cost of funding earning assets | 4.1234% | 67 |
| Net interest margin | 2.5450% | 7,701 |
| Noninterest income to average assets | -0.7370% | 8,283 |
| Noninterest expense to average assets | 2.3293% | 6,618 |
| Loan and lease loss provision to assets | 1.7665% | 716 |
| Net operating income to assets | -2.3740% | 7,673 |
| Return on assets (ROA) | -2.2889% | 7,622 |
| Pretax return on assets | -2.3572% | 7,545 |
| Return on Equity (ROE) | -20.2076% | 7,762 |
| Retained earnings to average equity (ytd only) | -20.2076% | 7,684 |
| Net charge-offs to loans | 1.0636% | 1,152 |
| Credit loss provision to net charge-offs | 196.8944% | 2,489 |
| Earnings coverage of net charge-offs (x) | -0.7562% | 6,553 |
| Efficiency ratio | 141.0970% | 396 |
| Assets per employee ($millions) | 7.0379% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9955% | 1,233 |
| Loan loss allowance to noncurrent loans | 24.5085% | 7,032 |
| Noncurrent assets plus other real estate owned to assets | 9.4133% | 196 |
| Noncurrent loans to loans | 8.1421% | 321 |
| Net loans and leases to total assets | 80.6625% | 1,514 |
| Net loans and leases to deposits | 92.1414% | 3,108 |
| Net loans and leases to core deposits | 168.4284% | 433 |
| Total domestic deposits to total assets | 87.5421% | 1,693 |
| Equity capital to assets | 8.8430% | 5,579 |
| Core capital (leverage) ratio | 8.9327% | 4,843 |
| Tier 1 risk-based capital ratio | 10.0819% | 6,644 |
| Total risk-based capital ratio | 11.3400% | 6,506 |
| Memoranda: | ||
| Average total assets | $143,562,400 | 4,015 |
| Average earning assets | $134,694,600 | 3,958 |
| Average equity | $16,261,200 | 3,873 |
| Average total loans | $121,101,400 | 3,442 |