Home > Queen City Federal Savings Bank > Performance and Condition Ratios
Queen City Federal 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 | 4.7362% | 4,362 |
| Cost of funding earning assets | 0.8171% | 5,262 |
| Net interest margin | 3.9190% | 3,218 |
| Noninterest income to average assets | 0.1966% | 6,265 |
| Noninterest expense to average assets | 2.6841% | 4,883 |
| Loan and lease loss provision to assets | 0.3044% | 2,974 |
| Net operating income to assets | 0.3634% | 5,114 |
| Return on assets (ROA) | 0.3776% | 5,186 |
| Pretax return on assets | 0.5956% | 4,753 |
| Return on Equity (ROE) | 2.6674% | 5,535 |
| Retained earnings to average equity (ytd only) | 0.5056% | 5,649 |
| Net charge-offs to loans | 0.3150% | 3,296 |
| Credit loss provision to net charge-offs | 168.1818% | 1,797 |
| Earnings coverage of net charge-offs (x) | 4.8500% | 2,756 |
| Efficiency ratio | 69.5843% | 4,191 |
| Assets per employee ($millions) | 5.2709% | 1,792 |
| Cash dividends to net income (ytd only)* | 81.0458% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 4,266 |
| Loan loss allowance to noncurrent loans | 104.9389% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 2.0750% | 3,148 |
| Noncurrent loans to loans | 1.3991% | 4,315 |
| Net loans and leases to total assets | 57.0469% | 4,814 |
| Net loans and leases to deposits | 79.6160% | 2,863 |
| Net loans and leases to core deposits | 81.8869% | 3,513 |
| Total domestic deposits to total assets | 71.6526% | 7,031 |
| Equity capital to assets | 14.2819% | 1,000 |
| Core capital (leverage) ratio | 9.1910% | 4,425 |
| Tier 1 risk-based capital ratio | 14.9980% | 3,496 |
| Total risk-based capital ratio | 16.2478% | 3,471 |
| Memoranda: | ||
| Average total assets | $243,134,330 | 2,621 |
| Average earning assets | $208,775,670 | 2,773 |
| Average equity | $34,416,000 | 1,937 |
| Average total loans | $139,680,000 | 2,851 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 4,503 |
| Cost of funding earning assets | 0.8464% | 5,292 |
| Net interest margin | 3.8584% | 3,346 |
| Noninterest income to average assets | 0.4600% | 4,189 |
| Noninterest expense to average assets | 2.7486% | 4,649 |
| Loan and lease loss provision to assets | 0.3286% | 2,579 |
| Net operating income to assets | 0.4309% | 4,799 |
| Return on assets (ROA) | 0.4551% | 4,780 |
| Pretax return on assets | 0.7311% | 4,186 |
| Return on Equity (ROE) | 3.2294% | 5,271 |
| Retained earnings to average equity (ytd only) | -1.1075% | 6,008 |
| Net charge-offs to loans | 0.2785% | 2,953 |
| Credit loss provision to net charge-offs | 206.1856% | 1,442 |
| Earnings coverage of net charge-offs (x) | 6.4124% | 2,107 |
| Efficiency ratio | 67.4510% | 4,765 |
| Assets per employee ($millions) | 5.4078% | 1,656 |
| Cash dividends to net income (ytd only)* | 134.2960% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 4,365 |
| Loan loss allowance to noncurrent loans | 75.3743% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 2.5227% | 2,709 |
| Noncurrent loans to loans | 1.9450% | 3,644 |
| Net loans and leases to total assets | 55.6250% | 5,057 |
| Net loans and leases to deposits | 76.7101% | 3,297 |
| Net loans and leases to core deposits | 77.7049% | 4,060 |
| Total domestic deposits to total assets | 72.5132% | 7,037 |
| Equity capital to assets | 14.0931% | 981 |
| Core capital (leverage) ratio | 9.0853% | 4,474 |
| Tier 1 risk-based capital ratio | 14.9863% | 3,431 |
| Total risk-based capital ratio | 16.2366% | 3,395 |
| Memoranda: | ||
| Average total assets | $243,471,500 | 2,632 |
| Average earning assets | $208,893,500 | 2,802 |
| Average equity | $34,310,000 | 1,931 |
| Average total loans | $139,331,500 | 2,902 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 4,654 |
| Cost of funding earning assets | 1.1820% | 4,665 |
| Net interest margin | 3.7972% | 3,958 |
| Noninterest income to average assets | 0.4651% | 4,410 |
| Noninterest expense to average assets | 2.6863% | 5,048 |
| Loan and lease loss provision to assets | 0.6302% | 2,609 |
| Net operating income to assets | 0.2962% | 4,952 |
| Return on assets (ROA) | 0.3045% | 5,090 |
| Pretax return on assets | 0.4079% | 4,920 |
| Return on Equity (ROE) | 2.1843% | 5,321 |
| Retained earnings to average equity (ytd only) | 0.3811% | 5,388 |
| Net charge-offs to loans | 0.9936% | 2,201 |
| Credit loss provision to net charge-offs | 103.1438% | 4,375 |
| Earnings coverage of net charge-offs (x) | 1.6809% | 4,478 |
| Efficiency ratio | 66.8391% | 4,790 |
| Assets per employee ($millions) | 5.2954% | 1,759 |
| Cash dividends to net income (ytd only)* | 82.5503% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 4,734 |
| Loan loss allowance to noncurrent loans | 79.4595% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 2.3745% | 2,895 |
| Noncurrent loans to loans | 1.7022% | 3,954 |
| Net loans and leases to total assets | 57.2162% | 5,149 |
| Net loans and leases to deposits | 80.2993% | 3,117 |
| Net loans and leases to core deposits | 81.5438% | 3,970 |
| Total domestic deposits to total assets | 71.2537% | 7,154 |
| Equity capital to assets | 14.0909% | 1,009 |
| Core capital (leverage) ratio | 9.0635% | 4,429 |
| Tier 1 risk-based capital ratio | 14.6528% | 3,449 |
| Total risk-based capital ratio | 15.9030% | 3,411 |
| Memoranda: | ||
| Average total assets | $244,683,400 | 2,598 |
| Average earning assets | $209,310,800 | 2,765 |
| Average equity | $34,107,800 | 1,938 |
| Average total loans | $150,459,000 | 2,766 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0199% | 4,714 |
| Cost of funding earning assets | 1.2507% | 4,569 |
| Net interest margin | 3.7692% | 4,097 |
| Noninterest income to average assets | 0.4392% | 4,644 |
| Noninterest expense to average assets | 2.6458% | 5,131 |
| Loan and lease loss provision to assets | 0.6624% | 2,311 |
| Net operating income to assets | 0.2823% | 5,233 |
| Return on assets (ROA) | 0.2901% | 5,375 |
| Pretax return on assets | 0.3625% | 5,341 |
| Return on Equity (ROE) | 2.0868% | 5,575 |
| Retained earnings to average equity (ytd only) | -0.3211% | 5,863 |
| Net charge-offs to loans | 0.9313% | 2,133 |
| Credit loss provision to net charge-offs | 114.0581% | 3,667 |
| Earnings coverage of net charge-offs (x) | 1.7479% | 4,402 |
| Efficiency ratio | 66.6964% | 4,711 |
| Assets per employee ($millions) | 5.3103% | 1,812 |
| Cash dividends to net income (ytd only)* | 115.3845% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 4,464 |
| Loan loss allowance to noncurrent loans | 70.3523% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 2.3924% | 2,988 |
| Noncurrent loans to loans | 1.9891% | 3,696 |
| Net loans and leases to total assets | 58.1802% | 5,235 |
| Net loans and leases to deposits | 81.7738% | 3,148 |
| Net loans and leases to core deposits | 82.9141% | 4,099 |
| Total domestic deposits to total assets | 71.1477% | 7,203 |
| Equity capital to assets | 14.0454% | 1,155 |
| Core capital (leverage) ratio | 8.9082% | 4,838 |
| Tier 1 risk-based capital ratio | 14.1520% | 3,721 |
| Total risk-based capital ratio | 15.4020% | 3,695 |
| Memoranda: | ||
| Average total assets | $244,956,750 | 2,636 |
| Average earning assets | $209,374,750 | 2,799 |
| Average equity | $34,053,750 | 1,965 |
| Average total loans | $152,752,750 | 2,765 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 4,799 |
| Cost of funding earning assets | 1.3132% | 4,456 |
| Net interest margin | 3.7176% | 4,281 |
| Noninterest income to average assets | 0.3540% | 5,317 |
| Noninterest expense to average assets | 2.6168% | 5,257 |
| Loan and lease loss provision to assets | 0.8092% | 1,786 |
| Net operating income to assets | 0.0891% | 5,898 |
| Return on assets (ROA) | 0.0897% | 6,006 |
| Pretax return on assets | 0.1109% | 5,955 |
| Return on Equity (ROE) | 0.6477% | 6,044 |
| Retained earnings to average equity (ytd only) | -2.9733% | 6,295 |
| Net charge-offs to loans | 1.1553% | 1,642 |
| Credit loss provision to net charge-offs | 110.3448% | 3,687 |
| Earnings coverage of net charge-offs (x) | 1.2536% | 4,568 |
| Efficiency ratio | 68.2353% | 4,535 |
| Assets per employee ($millions) | 5.2182% | 1,907 |
| Cash dividends to net income (ytd only)* | 559.0909% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 4,886 |
| Loan loss allowance to noncurrent loans | 53.8018% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 2.6784% | 2,696 |
| Noncurrent loans to loans | 2.4263% | 3,222 |
| Net loans and leases to total assets | 60.4215% | 4,983 |
| Net loans and leases to deposits | 85.1802% | 2,666 |
| Net loans and leases to core deposits | 85.9888% | 3,841 |
| Total domestic deposits to total assets | 70.9338% | 7,269 |
| Equity capital to assets | 13.8381% | 1,228 |
| Core capital (leverage) ratio | 8.6410% | 5,174 |
| Tier 1 risk-based capital ratio | 13.3820% | 4,147 |
| Total risk-based capital ratio | 14.6321% | 4,114 |
| Memoranda: | ||
| Average total assets | $245,185,000 | 2,650 |
| Average earning assets | $209,865,330 | 2,817 |
| Average equity | $33,968,670 | 1,964 |
| Average total loans | $155,625,330 | 2,749 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0161% | 4,944 |
| Cost of funding earning assets | 1.3620% | 4,407 |
| Net interest margin | 3.6541% | 4,469 |
| Noninterest income to average assets | 0.3410% | 5,416 |
| Noninterest expense to average assets | 2.5242% | 5,635 |
| Loan and lease loss provision to assets | 1.1781% | 1,037 |
| Net operating income to assets | -0.2741% | 6,634 |
| Return on assets (ROA) | -0.2741% | 6,692 |
| Pretax return on assets | -0.2137% | 6,567 |
| Return on Equity (ROE) | -1.9774% | 6,635 |
| Retained earnings to average equity (ytd only) | -9.2162% | 6,912 |
| Net charge-offs to loans | 1.6822% | 1,029 |
| Credit loss provision to net charge-offs | 108.4084% | 3,177 |
| Earnings coverage of net charge-offs (x) | 0.8874% | 4,251 |
| Efficiency ratio | 66.5108% | 5,005 |
| Assets per employee ($millions) | 5.1549% | 2,018 |
| Cash dividends to net income (ytd only)* | -366.0714% | 7,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 5,309 |
| Loan loss allowance to noncurrent loans | 73.8479% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 2.0862% | 3,407 |
| Noncurrent loans to loans | 1.6715% | 4,238 |
| Net loans and leases to total assets | 62.1826% | 4,723 |
| Net loans and leases to deposits | 87.9351% | 2,237 |
| Net loans and leases to core deposits | 88.3685% | 3,589 |
| Total domestic deposits to total assets | 70.7142% | 7,365 |
| Equity capital to assets | 13.5632% | 1,298 |
| Core capital (leverage) ratio | 8.3861% | 5,592 |
| Tier 1 risk-based capital ratio | 12.6959% | 4,567 |
| Total risk-based capital ratio | 13.9432% | 4,531 |
| Memoranda: | ||
| Average total assets | $245,149,000 | 2,694 |
| Average earning assets | $211,159,500 | 2,864 |
| Average equity | $33,983,500 | 1,989 |
| Average total loans | $158,364,000 | 2,776 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5711% | 3,753 |
| Cost of funding earning assets | 1.5456% | 5,306 |
| Net interest margin | 4.0255% | 2,762 |
| Noninterest income to average assets | 0.3067% | 5,892 |
| Noninterest expense to average assets | 2.5768% | 5,878 |
| Loan and lease loss provision to assets | 0.4682% | 4,017 |
| Net operating income to assets | 0.5747% | 3,429 |
| Return on assets (ROA) | 0.5623% | 3,558 |
| Pretax return on assets | 0.7255% | 3,489 |
| Return on Equity (ROE) | 4.0348% | 4,081 |
| Retained earnings to average equity (ytd only) | -1.9866% | 5,516 |
| Net charge-offs to loans | 0.7457% | 2,961 |
| Credit loss provision to net charge-offs | 91.3807% | 5,961 |
| Earnings coverage of net charge-offs (x) | 2.3607% | 3,956 |
| Efficiency ratio | 62.3393% | 6,095 |
| Assets per employee ($millions) | 5.2797% | 1,853 |
| Cash dividends to net income (ytd only)* | 149.2364% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 5,585 |
| Loan loss allowance to noncurrent loans | 84.4414% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.9768% | 3,427 |
| Noncurrent loans to loans | 1.3738% | 4,626 |
| Net loans and leases to total assets | 65.5004% | 4,279 |
| Net loans and leases to deposits | 89.7645% | 2,249 |
| Net loans and leases to core deposits | 103.8152% | 3,590 |
| Total domestic deposits to total assets | 72.9692% | 7,156 |
| Equity capital to assets | 14.1672% | 1,118 |
| Core capital (leverage) ratio | 8.8505% | 4,685 |
| Tier 1 risk-based capital ratio | 13.2039% | 4,012 |
| Total risk-based capital ratio | 14.4224% | 3,978 |
| Memoranda: | ||
| Average total assets | $244,531,000 | 2,666 |
| Average earning assets | $211,377,000 | 2,821 |
| Average equity | $34,078,200 | 1,968 |
| Average total loans | $168,021,400 | 2,649 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6661% | 3,492 |
| Cost of funding earning assets | 1.5629% | 5,577 |
| Net interest margin | 4.1032% | 2,382 |
| Noninterest income to average assets | 0.4349% | 4,998 |
| Noninterest expense to average assets | 2.7532% | 5,092 |
| Loan and lease loss provision to assets | 0.4600% | 3,613 |
| Net operating income to assets | 0.4256% | 4,298 |
| Return on assets (ROA) | 0.4121% | 4,450 |
| Pretax return on assets | 0.7403% | 3,728 |
| Return on Equity (ROE) | 2.9689% | 4,812 |
| Retained earnings to average equity (ytd only) | -5.0789% | 6,266 |
| Net charge-offs to loans | 0.4586% | 3,394 |
| Credit loss provision to net charge-offs | 144.6918% | 3,365 |
| Earnings coverage of net charge-offs (x) | 3.8425% | 3,367 |
| Efficiency ratio | 63.7360% | 5,805 |
| Assets per employee ($millions) | 5.0627% | 2,070 |
| Cash dividends to net income (ytd only)* | 271.0693% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 4,363 |
| Loan loss allowance to noncurrent loans | 65.6296% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 2.3896% | 2,885 |
| Noncurrent loans to loans | 2.0173% | 3,618 |
| Net loans and leases to total assets | 67.1808% | 4,137 |
| Net loans and leases to deposits | 93.7824% | 1,917 |
| Net loans and leases to core deposits | 107.6610% | 3,513 |
| Total domestic deposits to total assets | 71.6347% | 7,258 |
| Equity capital to assets | 13.6380% | 1,439 |
| Core capital (leverage) ratio | 8.3423% | 5,764 |
| Tier 1 risk-based capital ratio | 12.3951% | 4,637 |
| Total risk-based capital ratio | 13.6449% | 4,577 |
| Memoranda: | ||
| Average total assets | $244,947,750 | 2,675 |
| Average earning assets | $211,311,500 | 2,835 |
| Average equity | $33,996,000 | 2,001 |
| Average total loans | $169,790,750 | 2,650 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7362% | 3,364 |
| Cost of funding earning assets | 1.5900% | 5,779 |
| Net interest margin | 4.1462% | 2,177 |
| Noninterest income to average assets | 0.4879% | 4,551 |
| Noninterest expense to average assets | 2.7978% | 4,969 |
| Loan and lease loss provision to assets | 0.3813% | 3,638 |
| Net operating income to assets | 0.1107% | 5,533 |
| Return on assets (ROA) | 0.0902% | 5,691 |
| Pretax return on assets | 0.8733% | 3,431 |
| Return on Equity (ROE) | 0.6461% | 5,739 |
| Retained earnings to average equity (ytd only) | -11.4065% | 7,000 |
| Net charge-offs to loans | 0.6408% | 2,435 |
| Credit loss provision to net charge-offs | 85.3211% | 5,055 |
| Earnings coverage of net charge-offs (x) | 2.8789% | 3,661 |
| Efficiency ratio | 63.1399% | 6,066 |
| Assets per employee ($millions) | 4.7247% | 2,435 |
| Cash dividends to net income (ytd only)* | 1,865.4545% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 5,534 |
| Loan loss allowance to noncurrent loans | 74.5769% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 2.1323% | 3,015 |
| Noncurrent loans to loans | 1.4873% | 4,264 |
| Net loans and leases to total assets | 70.1134% | 3,681 |
| Net loans and leases to deposits | 96.4337% | 1,727 |
| Net loans and leases to core deposits | 109.5849% | 3,421 |
| Total domestic deposits to total assets | 72.7064% | 7,153 |
| Equity capital to assets | 13.7724% | 1,397 |
| Core capital (leverage) ratio | 8.2684% | 5,857 |
| Tier 1 risk-based capital ratio | 11.9638% | 4,954 |
| Total risk-based capital ratio | 13.1751% | 4,899 |
| Memoranda: | ||
| Average total assets | $243,906,670 | 2,717 |
| Average earning assets | $211,567,670 | 2,846 |
| Average equity | $34,050,670 | 1,990 |
| Average total loans | $170,090,330 | 2,682 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7232% | 3,682 |
| Cost of funding earning assets | 1.6478% | 5,826 |
| Net interest margin | 4.0754% | 2,378 |
| Noninterest income to average assets | 0.4988% | 4,330 |
| Noninterest expense to average assets | 2.5512% | 5,644 |
| Loan and lease loss provision to assets | 0.4483% | 2,680 |
| Net operating income to assets | 0.2184% | 5,605 |
| Return on assets (ROA) | 0.1777% | 5,899 |
| Pretax return on assets | 0.9716% | 3,461 |
| Return on Equity (ROE) | 1.2644% | 6,050 |
| Retained earnings to average equity (ytd only) | -22.5386% | 7,711 |
| Net charge-offs to loans | 0.0071% | 5,583 |
| Credit loss provision to net charge-offs | 9,166.6667% | 69 |
| Earnings coverage of net charge-offs (x) | 303.3333% | 135 |
| Efficiency ratio | 58.1010% | 6,690 |
| Assets per employee ($millions) | 5.0991% | 1,963 |
| Cash dividends to net income (ytd only)* | 1,882.5688% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 3,887 |
| Loan loss allowance to noncurrent loans | 67.0947% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.8981% | 3,062 |
| Noncurrent loans to loans | 1.9893% | 3,272 |
| Net loans and leases to total assets | 69.3085% | 3,843 |
| Net loans and leases to deposits | 94.6515% | 2,159 |
| Net loans and leases to core deposits | 106.3059% | 3,870 |
| Total domestic deposits to total assets | 73.2249% | 7,021 |
| Equity capital to assets | 13.8643% | 1,403 |
| Core capital (leverage) ratio | 8.2669% | 5,970 |
| Tier 1 risk-based capital ratio | 11.9306% | 5,017 |
| Total risk-based capital ratio | 13.1808% | 4,927 |
| Memoranda: | ||
| Average total assets | $245,379,500 | 2,704 |
| Average earning assets | $212,887,000 | 2,846 |
| Average equity | $34,483,000 | 1,976 |
| Average total loans | $169,715,000 | 2,704 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5745% | 2,604 |
| Cost of funding earning assets | 2.2478% | 5,380 |
| Net interest margin | 4.3267% | 1,896 |
| Noninterest income to average assets | 0.4372% | 5,146 |
| Noninterest expense to average assets | 2.0881% | 7,264 |
| Loan and lease loss provision to assets | 0.2243% | 4,644 |
| Net operating income to assets | 1.1228% | 2,059 |
| Return on assets (ROA) | 1.1228% | 1,972 |
| Pretax return on assets | 1.8386% | 869 |
| Return on Equity (ROE) | 7.8841% | 3,118 |
| Retained earnings to average equity (ytd only) | -2.7779% | 6,050 |
| Net charge-offs to loans | -0.0498% | 8,027 |
| Credit loss provision to net charge-offs | -650.7937% | 7,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3731% | 7,957 |
| Assets per employee ($millions) | 5.6776% | 1,331 |
| Cash dividends to net income (ytd only)* | 135.2339% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 4,228 |
| Loan loss allowance to noncurrent loans | 53.6846% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 1.9609% | 2,508 |
| Noncurrent loans to loans | 2.3114% | 2,391 |
| Net loans and leases to total assets | 66.2231% | 4,801 |
| Net loans and leases to deposits | 101.0341% | 1,701 |
| Net loans and leases to core deposits | 112.5966% | 3,498 |
| Total domestic deposits to total assets | 65.5453% | 7,684 |
| Equity capital to assets | 14.2339% | 1,366 |
| Core capital (leverage) ratio | 9.1908% | 4,454 |
| Tier 1 risk-based capital ratio | 13.4793% | 3,832 |
| Total risk-based capital ratio | 14.7291% | 3,732 |
| Memoranda: | ||
| Average total assets | $182,751,600 | 3,377 |
| Average earning assets | $156,863,400 | 3,532 |
| Average equity | $26,027,200 | 2,557 |
| Average total loans | $126,450,000 | 3,325 |