Home > Public Savings Bank > Performance and Condition Ratios
Public Savings 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 | 6.7987% | 141 |
| Cost of funding earning assets | 1.1417% | 2,959 |
| Net interest margin | 5.6570% | 140 |
| Noninterest income to average assets | 6.3903% | 108 |
| Noninterest expense to average assets | 13.6646% | 53 |
| Loan and lease loss provision to assets | 0.9261% | 959 |
| Net operating income to assets | -3.1109% | 7,316 |
| Return on assets (ROA) | -3.1109% | 7,322 |
| Pretax return on assets | -3.1109% | 7,317 |
| Return on Equity (ROE) | -126.5054% | 7,456 |
| Retained earnings to average equity (ytd only) | -126.5054% | 7,456 |
| Net charge-offs to loans | 0.7804% | 1,943 |
| Credit loss provision to net charge-offs | 150.6849% | 2,027 |
| Earnings coverage of net charge-offs (x) | -3.5548% | 5,771 |
| Efficiency ratio | 119.0319% | 352 |
| Assets per employee ($millions) | 1.6144% | 7,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4805% | 1,472 |
| Loan loss allowance to noncurrent loans | 26.4140% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 12.9801% | 213 |
| Noncurrent loans to loans | 9.3907% | 429 |
| Net loans and leases to total assets | 77.2566% | 875 |
| Net loans and leases to deposits | 79.0256% | 2,959 |
| Net loans and leases to core deposits | 84.3399% | 3,161 |
| Total domestic deposits to total assets | 97.7615% | 7 |
| Equity capital to assets | 1.5400% | 7,488 |
| Core capital (leverage) ratio | 1.3871% | 7,488 |
| Tier 1 risk-based capital ratio | 1.5887% | 7,493 |
| Total risk-based capital ratio | 2.8496% | 7,493 |
| Memoranda: | ||
| Average total assets | $47,509,670 | 6,549 |
| Average earning assets | $42,743,330 | 6,552 |
| Average equity | $1,168,330 | 7,469 |
| Average total loans | $37,417,000 | 5,917 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3966% | 245 |
| Cost of funding earning assets | 1.1883% | 2,894 |
| Net interest margin | 5.2082% | 254 |
| Noninterest income to average assets | 6.1686% | 113 |
| Noninterest expense to average assets | 11.8022% | 67 |
| Loan and lease loss provision to assets | 0.0836% | 4,950 |
| Net operating income to assets | -1.0281% | 7,054 |
| Return on assets (ROA) | -1.0281% | 7,059 |
| Pretax return on assets | -1.0281% | 7,009 |
| Return on Equity (ROE) | -35.3448% | 7,362 |
| Retained earnings to average equity (ytd only) | -35.3448% | 7,338 |
| Net charge-offs to loans | 0.3832% | 2,540 |
| Credit loss provision to net charge-offs | 27.7778% | 4,154 |
| Earnings coverage of net charge-offs (x) | -3.1389% | 4,991 |
| Efficiency ratio | 108.6990% | 526 |
| Assets per employee ($millions) | 1.6751% | 7,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2145% | 1,924 |
| Loan loss allowance to noncurrent loans | 18.5562% | 6,811 |
| Noncurrent assets plus other real estate owned to assets | 13.9114% | 183 |
| Noncurrent loans to loans | 11.9339% | 284 |
| Net loans and leases to total assets | 74.5363% | 1,264 |
| Net loans and leases to deposits | 77.2376% | 3,208 |
| Net loans and leases to core deposits | 87.2191% | 2,707 |
| Total domestic deposits to total assets | 96.5026% | 23 |
| Equity capital to assets | 2.7358% | 7,496 |
| Core capital (leverage) ratio | 2.5796% | 7,499 |
| Tier 1 risk-based capital ratio | 3.4224% | 7,506 |
| Total risk-based capital ratio | 4.6838% | 7,508 |
| Memoranda: | ||
| Average total assets | $47,855,500 | 6,587 |
| Average earning assets | $43,085,500 | 6,585 |
| Average equity | $1,392,000 | 7,502 |
| Average total loans | $37,580,500 | 5,958 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6231% | 268 |
| Cost of funding earning assets | 1.6969% | 1,618 |
| Net interest margin | 4.9262% | 510 |
| Noninterest income to average assets | 5.3160% | 132 |
| Noninterest expense to average assets | 11.3550% | 68 |
| Loan and lease loss provision to assets | 1.1740% | 1,343 |
| Net operating income to assets | -3.0507% | 7,306 |
| Return on assets (ROA) | -3.0507% | 7,323 |
| Pretax return on assets | -3.0507% | 7,304 |
| Return on Equity (ROE) | -63.1724% | 7,496 |
| Retained earnings to average equity (ytd only) | -63.1724% | 7,494 |
| Net charge-offs to loans | 1.1209% | 1,984 |
| Credit loss provision to net charge-offs | 135.8974% | 2,841 |
| Earnings coverage of net charge-offs (x) | -2.1725% | 6,710 |
| Efficiency ratio | 119.8003% | 407 |
| Assets per employee ($millions) | 1.3466% | 7,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2186% | 1,838 |
| Loan loss allowance to noncurrent loans | 27.8840% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 11.4508% | 315 |
| Noncurrent loans to loans | 7.9566% | 653 |
| Net loans and leases to total assets | 79.1097% | 781 |
| Net loans and leases to deposits | 82.1404% | 2,771 |
| Net loans and leases to core deposits | 96.3363% | 1,966 |
| Total domestic deposits to total assets | 96.3104% | 29 |
| Equity capital to assets | 3.0871% | 7,558 |
| Core capital (leverage) ratio | 2.8471% | 7,567 |
| Tier 1 risk-based capital ratio | 3.6705% | 7,578 |
| Total risk-based capital ratio | 4.9337% | 7,580 |
| Memoranda: | ||
| Average total assets | $49,661,000 | 6,550 |
| Average earning assets | $41,959,400 | 6,641 |
| Average equity | $2,398,200 | 7,421 |
| Average total loans | $38,272,400 | 5,997 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6273% | 274 |
| Cost of funding earning assets | 1.8199% | 1,342 |
| Net interest margin | 4.8074% | 669 |
| Noninterest income to average assets | 4.8064% | 140 |
| Noninterest expense to average assets | 10.4955% | 73 |
| Loan and lease loss provision to assets | 1.3918% | 968 |
| Net operating income to assets | -2.5742% | 7,368 |
| Return on assets (ROA) | -2.5742% | 7,386 |
| Pretax return on assets | -3.0752% | 7,439 |
| Return on Equity (ROE) | -49.1507% | 7,554 |
| Retained earnings to average equity (ytd only) | -49.1507% | 7,551 |
| Net charge-offs to loans | 0.8493% | 2,326 |
| Credit loss provision to net charge-offs | 215.1639% | 1,625 |
| Earnings coverage of net charge-offs (x) | -2.6024% | 6,553 |
| Efficiency ratio | 119.1035% | 406 |
| Assets per employee ($millions) | 1.5959% | 7,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4901% | 1,345 |
| Loan loss allowance to noncurrent loans | 32.9719% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 9.8668% | 420 |
| Noncurrent loans to loans | 7.5523% | 714 |
| Net loans and leases to total assets | 74.6054% | 1,660 |
| Net loans and leases to deposits | 78.3923% | 3,758 |
| Net loans and leases to core deposits | 91.1267% | 2,935 |
| Total domestic deposits to total assets | 95.1694% | 39 |
| Equity capital to assets | 3.9495% | 7,641 |
| Core capital (leverage) ratio | 3.4267% | 7,648 |
| Tier 1 risk-based capital ratio | 5.4983% | 7,621 |
| Total risk-based capital ratio | 6.7708% | 7,622 |
| Memoranda: | ||
| Average total assets | $50,293,250 | 6,595 |
| Average earning assets | $41,906,250 | 6,728 |
| Average equity | $2,634,000 | 7,460 |
| Average total loans | $38,307,500 | 6,077 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5801% | 296 |
| Cost of funding earning assets | 1.9455% | 1,059 |
| Net interest margin | 4.6346% | 921 |
| Noninterest income to average assets | 5.1884% | 135 |
| Noninterest expense to average assets | 9.8492% | 79 |
| Loan and lease loss provision to assets | 1.4790% | 896 |
| Net operating income to assets | -1.6229% | 7,193 |
| Return on assets (ROA) | -1.6229% | 7,202 |
| Pretax return on assets | -2.3784% | 7,341 |
| Return on Equity (ROE) | -28.5949% | 7,417 |
| Retained earnings to average equity (ytd only) | -28.5949% | 7,402 |
| Net charge-offs to loans | 1.1721% | 1,622 |
| Credit loss provision to net charge-offs | 165.9193% | 2,375 |
| Earnings coverage of net charge-offs (x) | -1.0090% | 6,120 |
| Efficiency ratio | 110.0491% | 547 |
| Assets per employee ($millions) | 1.5339% | 7,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2046% | 1,743 |
| Loan loss allowance to noncurrent loans | 28.5180% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 10.1882% | 393 |
| Noncurrent loans to loans | 7.7305% | 683 |
| Net loans and leases to total assets | 75.8220% | 1,524 |
| Net loans and leases to deposits | 80.6754% | 3,487 |
| Net loans and leases to core deposits | 99.5001% | 2,074 |
| Total domestic deposits to total assets | 93.9840% | 76 |
| Equity capital to assets | 5.2581% | 7,616 |
| Core capital (leverage) ratio | 4.3795% | 7,660 |
| Tier 1 risk-based capital ratio | 7.0482% | 7,600 |
| Total risk-based capital ratio | 8.3148% | 7,605 |
| Memoranda: | ||
| Average total assets | $50,034,330 | 6,647 |
| Average earning assets | $40,607,330 | 6,824 |
| Average equity | $2,839,670 | 7,465 |
| Average total loans | $38,052,000 | 6,132 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9703% | 75 |
| Cost of funding earning assets | 2.1028% | 807 |
| Net interest margin | 5.8674% | 120 |
| Noninterest income to average assets | 5.5357% | 130 |
| Noninterest expense to average assets | 8.8777% | 101 |
| Loan and lease loss provision to assets | 0.6177% | 2,059 |
| Net operating income to assets | 0.3485% | 5,087 |
| Return on assets (ROA) | 0.3485% | 5,209 |
| Pretax return on assets | 0.5702% | 4,713 |
| Return on Equity (ROE) | 5.9279% | 3,910 |
| Retained earnings to average equity (ytd only) | 5.9279% | 2,654 |
| Net charge-offs to loans | 0.9251% | 1,733 |
| Credit loss provision to net charge-offs | 88.6364% | 3,689 |
| Earnings coverage of net charge-offs (x) | 1.7045% | 3,709 |
| Efficiency ratio | 88.1983% | 1,568 |
| Assets per employee ($millions) | 1.5483% | 7,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8329% | 2,630 |
| Loan loss allowance to noncurrent loans | 19.5528% | 7,037 |
| Noncurrent assets plus other real estate owned to assets | 9.1676% | 482 |
| Noncurrent loans to loans | 9.3741% | 485 |
| Net loans and leases to total assets | 73.7264% | 2,029 |
| Net loans and leases to deposits | 78.8835% | 3,866 |
| Net loans and leases to core deposits | 94.2243% | 2,816 |
| Total domestic deposits to total assets | 93.4624% | 94 |
| Equity capital to assets | 6.0371% | 7,617 |
| Core capital (leverage) ratio | 5.6324% | 7,632 |
| Tier 1 risk-based capital ratio | 9.0368% | 7,468 |
| Total risk-based capital ratio | 10.3071% | 7,472 |
| Memoranda: | ||
| Average total assets | $50,508,500 | 6,717 |
| Average earning assets | $38,995,000 | 6,972 |
| Average equity | $2,969,000 | 7,501 |
| Average total loans | $38,049,500 | 6,207 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3089% | 173 |
| Cost of funding earning assets | 2.7072% | 573 |
| Net interest margin | 4.6017% | 984 |
| Noninterest income to average assets | 0.6872% | 3,048 |
| Noninterest expense to average assets | 6.8401% | 217 |
| Loan and lease loss provision to assets | 1.0630% | 2,159 |
| Net operating income to assets | -3.5647% | 7,524 |
| Return on assets (ROA) | -3.5647% | 7,529 |
| Pretax return on assets | -3.3015% | 7,370 |
| Return on Equity (ROE) | -41.9366% | 7,598 |
| Retained earnings to average equity (ytd only) | -41.9366% | 7,586 |
| Net charge-offs to loans | 0.1831% | 5,506 |
| Credit loss provision to net charge-offs | 766.6667% | 383 |
| Earnings coverage of net charge-offs (x) | -16.1449% | 7,180 |
| Efficiency ratio | 113.7555% | 715 |
| Assets per employee ($millions) | 2.4511% | 7,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7794% | 2,614 |
| Loan loss allowance to noncurrent loans | 29.3096% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 6.6520% | 805 |
| Noncurrent loans to loans | 6.0710% | 1,031 |
| Net loans and leases to total assets | 74.2098% | 2,222 |
| Net loans and leases to deposits | 78.9819% | 4,173 |
| Net loans and leases to core deposits | 100.3441% | 3,962 |
| Total domestic deposits to total assets | 93.9580% | 74 |
| Equity capital to assets | 5.7253% | 7,706 |
| Core capital (leverage) ratio | 5.4024% | 7,725 |
| Tier 1 risk-based capital ratio | 8.3167% | 7,611 |
| Total risk-based capital ratio | 9.5872% | 7,627 |
| Memoranda: | ||
| Average total assets | $49,765,200 | 6,713 |
| Average earning assets | $42,331,800 | 6,846 |
| Average equity | $4,230,200 | 7,200 |
| Average total loans | $37,689,000 | 6,210 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4006% | 167 |
| Cost of funding earning assets | 2.8129% | 578 |
| Net interest margin | 4.5877% | 1,006 |
| Noninterest income to average assets | 1.3593% | 818 |
| Noninterest expense to average assets | 4.7913% | 569 |
| Loan and lease loss provision to assets | 0.5053% | 3,366 |
| Net operating income to assets | 0.0324% | 5,646 |
| Return on assets (ROA) | 0.0324% | 5,690 |
| Pretax return on assets | 0.0513% | 5,611 |
| Return on Equity (ROE) | 0.3516% | 5,672 |
| Retained earnings to average equity (ytd only) | 0.3516% | 5,052 |
| Net charge-offs to loans | 0.1712% | 5,023 |
| Credit loss provision to net charge-offs | 389.5833% | 1,035 |
| Earnings coverage of net charge-offs (x) | 4.2916% | 3,186 |
| Efficiency ratio | 89.5907% | 1,727 |
| Assets per employee ($millions) | 2.6673% | 6,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 6,775 |
| Loan loss allowance to noncurrent loans | 12.8224% | 7,390 |
| Noncurrent assets plus other real estate owned to assets | 6.7353% | 737 |
| Noncurrent loans to loans | 6.9845% | 771 |
| Net loans and leases to total assets | 71.1506% | 3,234 |
| Net loans and leases to deposits | 78.1679% | 4,718 |
| Net loans and leases to core deposits | 103.2929% | 4,022 |
| Total domestic deposits to total assets | 91.0228% | 412 |
| Equity capital to assets | 8.7410% | 5,892 |
| Core capital (leverage) ratio | 7.5940% | 6,868 |
| Tier 1 risk-based capital ratio | 11.6925% | 5,251 |
| Total risk-based capital ratio | 12.8121% | 5,316 |
| Memoranda: | ||
| Average total assets | $49,338,250 | 6,787 |
| Average earning assets | $42,896,250 | 6,872 |
| Average equity | $4,551,000 | 7,161 |
| Average total loans | $37,388,750 | 6,267 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6889% | 125 |
| Cost of funding earning assets | 2.9922% | 487 |
| Net interest margin | 4.6967% | 802 |
| Noninterest income to average assets | 0.8791% | 2,064 |
| Noninterest expense to average assets | 4.3123% | 934 |
| Loan and lease loss provision to assets | 0.5958% | 2,659 |
| Net operating income to assets | 0.1125% | 5,530 |
| Return on assets (ROA) | 0.1125% | 5,627 |
| Pretax return on assets | 0.1958% | 5,477 |
| Return on Equity (ROE) | 1.1964% | 5,571 |
| Retained earnings to average equity (ytd only) | 1.1964% | 4,677 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4898% | 2,418 |
| Assets per employee ($millions) | 2.6014% | 7,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 6,157 |
| Loan loss allowance to noncurrent loans | 16.5344% | 7,310 |
| Noncurrent assets plus other real estate owned to assets | 5.8922% | 828 |
| Noncurrent loans to loans | 6.1083% | 888 |
| Net loans and leases to total assets | 78.4944% | 1,641 |
| Net loans and leases to deposits | 87.1922% | 3,323 |
| Net loans and leases to core deposits | 109.0232% | 3,492 |
| Total domestic deposits to total assets | 90.0246% | 822 |
| Equity capital to assets | 9.6636% | 4,406 |
| Core capital (leverage) ratio | 7.5012% | 7,016 |
| Tier 1 risk-based capital ratio | 11.7514% | 5,149 |
| Total risk-based capital ratio | 13.0159% | 5,053 |
| Memoranda: | ||
| Average total assets | $48,002,330 | 6,906 |
| Average earning assets | $43,179,000 | 6,916 |
| Average equity | $4,513,670 | 7,238 |
| Average total loans | $37,085,330 | 6,338 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2564% | 235 |
| Cost of funding earning assets | 3.0995% | 462 |
| Net interest margin | 4.1569% | 2,064 |
| Noninterest income to average assets | 0.4610% | 4,675 |
| Noninterest expense to average assets | 3.8196% | 1,435 |
| Loan and lease loss provision to assets | 0.1399% | 5,164 |
| Net operating income to assets | 0.1646% | 5,771 |
| Return on assets (ROA) | 0.1646% | 5,939 |
| Pretax return on assets | 0.2552% | 5,807 |
| Return on Equity (ROE) | 1.7746% | 5,849 |
| Retained earnings to average equity (ytd only) | 1.7746% | 4,864 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6250% | 1,679 |
| Assets per employee ($millions) | 3.1379% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6858% | 7,484 |
| Loan loss allowance to noncurrent loans | 13.6564% | 7,442 |
| Noncurrent assets plus other real estate owned to assets | 4.5910% | 1,035 |
| Noncurrent loans to loans | 5.0216% | 1,079 |
| Net loans and leases to total assets | 71.5358% | 3,344 |
| Net loans and leases to deposits | 78.8946% | 4,786 |
| Net loans and leases to core deposits | 97.4072% | 4,806 |
| Total domestic deposits to total assets | 90.6726% | 526 |
| Equity capital to assets | 8.9987% | 5,349 |
| Core capital (leverage) ratio | 7.3094% | 7,373 |
| Tier 1 risk-based capital ratio | 11.7495% | 5,171 |
| Total risk-based capital ratio | 12.5837% | 5,480 |
| Memoranda: | ||
| Average total assets | $48,591,000 | 6,920 |
| Average earning assets | $43,878,500 | 6,940 |
| Average equity | $4,508,000 | 7,284 |
| Average total loans | $37,063,000 | 6,377 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4550% | 108 |
| Cost of funding earning assets | 3.8996% | 139 |
| Net interest margin | 4.5554% | 1,299 |
| Noninterest income to average assets | 0.3305% | 6,080 |
| Noninterest expense to average assets | 4.9207% | 652 |
| Loan and lease loss provision to assets | 0.2479% | 4,435 |
| Net operating income to assets | -0.4199% | 6,845 |
| Return on assets (ROA) | -0.4154% | 6,716 |
| Pretax return on assets | -0.6380% | 6,763 |
| Return on Equity (ROE) | -3.9952% | 6,744 |
| Retained earnings to average equity (ytd only) | -3.9952% | 6,324 |
| Net charge-offs to loans | 0.0562% | 5,974 |
| Credit loss provision to net charge-offs | 568.4211% | 772 |
| Earnings coverage of net charge-offs (x) | -9.1053% | 6,890 |
| Efficiency ratio | 108.7773% | 738 |
| Assets per employee ($millions) | 3.1317% | 5,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6111% | 7,657 |
| Loan loss allowance to noncurrent loans | 13.4884% | 7,438 |
| Noncurrent assets plus other real estate owned to assets | 4.6876% | 777 |
| Noncurrent loans to loans | 4.5308% | 1,053 |
| Net loans and leases to total assets | 80.3193% | 1,586 |
| Net loans and leases to deposits | 89.0909% | 3,620 |
| Net loans and leases to core deposits | 107.3217% | 4,042 |
| Total domestic deposits to total assets | 90.1543% | 591 |
| Equity capital to assets | 9.5753% | 4,580 |
| Core capital (leverage) ratio | 7.5936% | 7,083 |
| Tier 1 risk-based capital ratio | 11.3052% | 5,437 |
| Total risk-based capital ratio | 12.0625% | 5,803 |
| Memoranda: | ||
| Average total assets | $43,571,200 | 7,046 |
| Average earning assets | $40,106,600 | 7,036 |
| Average equity | $4,530,400 | 7,323 |
| Average total loans | $33,813,000 | 6,497 |