Home > Security State Bank > Performance and Condition Ratios
Security State 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 | 4.7199% | 4,451 |
| Cost of funding earning assets | 1.0973% | 3,261 |
| Net interest margin | 3.6226% | 4,640 |
| Noninterest income to average assets | 0.2606% | 5,783 |
| Noninterest expense to average assets | 2.1194% | 6,554 |
| Loan and lease loss provision to assets | 0.0794% | 5,320 |
| Net operating income to assets | 0.9739% | 2,338 |
| Return on assets (ROA) | 0.9739% | 2,441 |
| Pretax return on assets | 1.4919% | 1,556 |
| Return on Equity (ROE) | 11.0387% | 1,784 |
| Retained earnings to average equity (ytd only) | 11.0387% | 659 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4257% | 6,239 |
| Assets per employee ($millions) | 4.9235% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 3,373 |
| Loan loss allowance to noncurrent loans | 114.9049% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 1.1114% | 4,671 |
| Noncurrent loans to loans | 1.4678% | 4,220 |
| Net loans and leases to total assets | 71.5583% | 1,869 |
| Net loans and leases to deposits | 89.8646% | 1,284 |
| Net loans and leases to core deposits | 97.6085% | 1,532 |
| Total domestic deposits to total assets | 79.6290% | 5,920 |
| Equity capital to assets | 9.2812% | 5,167 |
| Core capital (leverage) ratio | 9.0661% | 4,617 |
| Tier 1 risk-based capital ratio | 13.0896% | 4,844 |
| Total risk-based capital ratio | 14.3453% | 4,818 |
| Memoranda: | ||
| Average total assets | $125,882,330 | 4,304 |
| Average earning assets | $119,197,670 | 4,204 |
| Average equity | $11,106,330 | 4,780 |
| Average total loans | $91,951,670 | 3,891 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 4,172 |
| Cost of funding earning assets | 1.1300% | 3,296 |
| Net interest margin | 3.6460% | 4,346 |
| Noninterest income to average assets | 0.2231% | 6,135 |
| Noninterest expense to average assets | 2.1276% | 6,575 |
| Loan and lease loss provision to assets | 0.0943% | 4,834 |
| Net operating income to assets | 0.9491% | 2,363 |
| Return on assets (ROA) | 0.9491% | 2,428 |
| Pretax return on assets | 1.4488% | 1,602 |
| Return on Equity (ROE) | 11.0345% | 1,731 |
| Retained earnings to average equity (ytd only) | 11.0345% | 897 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9623% | 6,277 |
| Assets per employee ($millions) | 5.2490% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 3,740 |
| Loan loss allowance to noncurrent loans | 265.1246% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 6,007 |
| Noncurrent loans to loans | 0.6025% | 5,827 |
| Net loans and leases to total assets | 72.8562% | 1,542 |
| Net loans and leases to deposits | 90.1839% | 1,210 |
| Net loans and leases to core deposits | 99.0781% | 1,426 |
| Total domestic deposits to total assets | 80.7862% | 5,725 |
| Equity capital to assets | 8.8095% | 5,474 |
| Core capital (leverage) ratio | 8.6921% | 5,094 |
| Tier 1 risk-based capital ratio | 12.1692% | 5,533 |
| Total risk-based capital ratio | 13.4232% | 5,526 |
| Memoranda: | ||
| Average total assets | $127,280,000 | 4,316 |
| Average earning assets | $120,351,000 | 4,213 |
| Average equity | $10,947,500 | 4,813 |
| Average total loans | $93,132,500 | 3,898 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2632% | 3,303 |
| Cost of funding earning assets | 1.3726% | 3,442 |
| Net interest margin | 3.8906% | 3,536 |
| Noninterest income to average assets | 0.2683% | 5,869 |
| Noninterest expense to average assets | 2.2223% | 6,560 |
| Loan and lease loss provision to assets | 0.2586% | 4,723 |
| Net operating income to assets | 0.9608% | 2,162 |
| Return on assets (ROA) | 0.9608% | 2,285 |
| Pretax return on assets | 1.4683% | 1,457 |
| Return on Equity (ROE) | 11.6359% | 1,408 |
| Retained earnings to average equity (ytd only) | 11.6359% | 306 |
| Net charge-offs to loans | 0.0932% | 5,915 |
| Credit loss provision to net charge-offs | 359.5506% | 711 |
| Earnings coverage of net charge-offs (x) | 24.0112% | 879 |
| Efficiency ratio | 56.2717% | 6,565 |
| Assets per employee ($millions) | 4.9455% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 3,695 |
| Loan loss allowance to noncurrent loans | 1,123.0769% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 6,878 |
| Noncurrent loans to loans | 0.1398% | 6,793 |
| Net loans and leases to total assets | 71.1859% | 2,262 |
| Net loans and leases to deposits | 88.1923% | 1,758 |
| Net loans and leases to core deposits | 98.1019% | 1,791 |
| Total domestic deposits to total assets | 80.7167% | 5,618 |
| Equity capital to assets | 8.3969% | 6,006 |
| Core capital (leverage) ratio | 8.4063% | 5,521 |
| Tier 1 risk-based capital ratio | 11.9321% | 5,539 |
| Total risk-based capital ratio | 13.1862% | 5,513 |
| Memoranda: | ||
| Average total assets | $123,745,000 | 4,407 |
| Average earning assets | $117,076,000 | 4,288 |
| Average equity | $10,218,400 | 5,073 |
| Average total loans | $95,443,800 | 3,910 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3541% | 3,099 |
| Cost of funding earning assets | 1.4060% | 3,548 |
| Net interest margin | 3.9481% | 3,326 |
| Noninterest income to average assets | 0.2503% | 6,098 |
| Noninterest expense to average assets | 2.3187% | 6,261 |
| Loan and lease loss provision to assets | 0.2503% | 4,585 |
| Net operating income to assets | 0.9347% | 2,478 |
| Return on assets (ROA) | 0.9347% | 2,610 |
| Pretax return on assets | 1.4210% | 1,821 |
| Return on Equity (ROE) | 11.3692% | 1,684 |
| Retained earnings to average equity (ytd only) | 11.3692% | 544 |
| Net charge-offs to loans | 0.0888% | 5,641 |
| Credit loss provision to net charge-offs | 359.3750% | 866 |
| Earnings coverage of net charge-offs (x) | 24.0004% | 1,042 |
| Efficiency ratio | 58.1129% | 6,256 |
| Assets per employee ($millions) | 4.7625% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 4,145 |
| Loan loss allowance to noncurrent loans | 1,056.8182% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 6,992 |
| Noncurrent loans to loans | 0.1384% | 6,899 |
| Net loans and leases to total assets | 75.8803% | 1,426 |
| Net loans and leases to deposits | 94.5613% | 1,145 |
| Net loans and leases to core deposits | 106.1804% | 1,309 |
| Total domestic deposits to total assets | 80.2445% | 5,626 |
| Equity capital to assets | 8.4822% | 6,295 |
| Core capital (leverage) ratio | 8.4645% | 5,572 |
| Tier 1 risk-based capital ratio | 11.2345% | 6,155 |
| Total risk-based capital ratio | 12.4871% | 6,156 |
| Memoranda: | ||
| Average total assets | $122,535,500 | 4,490 |
| Average earning assets | $116,070,250 | 4,383 |
| Average equity | $10,073,750 | 5,172 |
| Average total loans | $96,056,500 | 3,966 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3834% | 3,046 |
| Cost of funding earning assets | 1.4323% | 3,657 |
| Net interest margin | 3.9510% | 3,238 |
| Noninterest income to average assets | 0.2539% | 6,094 |
| Noninterest expense to average assets | 2.3258% | 6,285 |
| Loan and lease loss provision to assets | 0.2293% | 4,618 |
| Net operating income to assets | 0.9467% | 2,380 |
| Return on assets (ROA) | 0.9467% | 2,470 |
| Pretax return on assets | 1.4397% | 1,729 |
| Return on Equity (ROE) | 11.6407% | 1,546 |
| Retained earnings to average equity (ytd only) | 11.6407% | 543 |
| Net charge-offs to loans | 0.1412% | 4,818 |
| Credit loss provision to net charge-offs | 205.8824% | 1,889 |
| Earnings coverage of net charge-offs (x) | 14.9853% | 1,485 |
| Efficiency ratio | 58.2206% | 6,352 |
| Assets per employee ($millions) | 4.6468% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 4,717 |
| Loan loss allowance to noncurrent loans | 978.1955% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 7,018 |
| Noncurrent loans to loans | 0.1373% | 6,984 |
| Net loans and leases to total assets | 79.1033% | 936 |
| Net loans and leases to deposits | 98.4953% | 828 |
| Net loans and leases to core deposits | 108.9463% | 1,237 |
| Total domestic deposits to total assets | 80.3117% | 5,628 |
| Equity capital to assets | 8.4714% | 6,197 |
| Core capital (leverage) ratio | 8.2726% | 5,822 |
| Tier 1 risk-based capital ratio | 10.8946% | 6,353 |
| Total risk-based capital ratio | 12.1054% | 6,384 |
| Memoranda: | ||
| Average total assets | $122,106,000 | 4,526 |
| Average earning assets | $115,615,670 | 4,423 |
| Average equity | $9,930,670 | 5,222 |
| Average total loans | $96,291,000 | 4,009 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3640% | 3,221 |
| Cost of funding earning assets | 1.4504% | 3,877 |
| Net interest margin | 3.9136% | 3,264 |
| Noninterest income to average assets | 0.2379% | 6,252 |
| Noninterest expense to average assets | 2.2941% | 6,395 |
| Loan and lease loss provision to assets | 0.1629% | 4,897 |
| Net operating income to assets | 0.9743% | 2,289 |
| Return on assets (ROA) | 0.9743% | 2,350 |
| Pretax return on assets | 1.4827% | 1,561 |
| Return on Equity (ROE) | 12.2309% | 1,434 |
| Retained earnings to average equity (ytd only) | 12.2309% | 712 |
| Net charge-offs to loans | 0.2208% | 3,608 |
| Credit loss provision to net charge-offs | 94.3396% | 3,558 |
| Earnings coverage of net charge-offs (x) | 9.5283% | 1,839 |
| Efficiency ratio | 58.2299% | 6,455 |
| Assets per employee ($millions) | 4.7189% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 5,011 |
| Loan loss allowance to noncurrent loans | 8,173.3333% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 7,362 |
| Noncurrent loans to loans | 0.0157% | 7,381 |
| Net loans and leases to total assets | 76.7228% | 1,388 |
| Net loans and leases to deposits | 96.0100% | 1,106 |
| Net loans and leases to core deposits | 106.3218% | 1,552 |
| Total domestic deposits to total assets | 79.9113% | 5,810 |
| Equity capital to assets | 8.1269% | 6,511 |
| Core capital (leverage) ratio | 8.0837% | 6,113 |
| Tier 1 risk-based capital ratio | 10.6926% | 6,451 |
| Total risk-based capital ratio | 11.9426% | 6,438 |
| Memoranda: | ||
| Average total assets | $122,750,000 | 4,564 |
| Average earning assets | $116,108,000 | 4,469 |
| Average equity | $9,778,500 | 5,299 |
| Average total loans | $96,000,500 | 4,072 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6347% | 3,416 |
| Cost of funding earning assets | 1.8192% | 3,887 |
| Net interest margin | 3.8155% | 3,642 |
| Noninterest income to average assets | 0.2941% | 6,011 |
| Noninterest expense to average assets | 2.3400% | 6,630 |
| Loan and lease loss provision to assets | 0.5016% | 3,866 |
| Net operating income to assets | 0.7151% | 2,874 |
| Return on assets (ROA) | 0.7151% | 2,941 |
| Pretax return on assets | 1.0710% | 2,340 |
| Return on Equity (ROE) | 8.9288% | 2,052 |
| Retained earnings to average equity (ytd only) | 6.2523% | 1,250 |
| Net charge-offs to loans | 0.0436% | 6,671 |
| Credit loss provision to net charge-offs | 1,462.5000% | 210 |
| Earnings coverage of net charge-offs (x) | 45.8500% | 557 |
| Efficiency ratio | 59.8071% | 6,513 |
| Assets per employee ($millions) | 4.3860% | 3,139 |
| Cash dividends to net income (ytd only)* | 29.9760% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 4,929 |
| Loan loss allowance to noncurrent loans | 1,241.4141% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 7,296 |
| Noncurrent loans to loans | 0.1024% | 7,156 |
| Net loans and leases to total assets | 77.6930% | 1,448 |
| Net loans and leases to deposits | 100.3312% | 873 |
| Net loans and leases to core deposits | 120.5118% | 1,913 |
| Total domestic deposits to total assets | 77.4365% | 6,358 |
| Equity capital to assets | 7.8056% | 6,758 |
| Core capital (leverage) ratio | 7.8568% | 6,379 |
| Tier 1 risk-based capital ratio | 10.1549% | 6,735 |
| Total risk-based capital ratio | 11.3973% | 6,711 |
| Memoranda: | ||
| Average total assets | $116,621,600 | 4,669 |
| Average earning assets | $110,600,600 | 4,548 |
| Average equity | $9,340,600 | 5,494 |
| Average total loans | $91,702,400 | 4,167 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6637% | 3,506 |
| Cost of funding earning assets | 1.8843% | 3,960 |
| Net interest margin | 3.7795% | 3,741 |
| Noninterest income to average assets | 0.3001% | 6,073 |
| Noninterest expense to average assets | 2.3729% | 6,499 |
| Loan and lease loss provision to assets | 0.1761% | 5,598 |
| Net operating income to assets | 0.8840% | 2,479 |
| Return on assets (ROA) | 0.8840% | 2,556 |
| Pretax return on assets | 1.3417% | 1,843 |
| Return on Equity (ROE) | 10.9633% | 1,630 |
| Retained earnings to average equity (ytd only) | 7.3711% | 1,365 |
| Net charge-offs to loans | 0.0413% | 6,321 |
| Credit loss provision to net charge-offs | 542.8571% | 724 |
| Earnings coverage of net charge-offs (x) | 46.7886% | 669 |
| Efficiency ratio | 60.9887% | 6,278 |
| Assets per employee ($millions) | 4.1604% | 3,443 |
| Cash dividends to net income (ytd only)* | 32.7658% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 6,832 |
| Loan loss allowance to noncurrent loans | 616.7939% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 7,270 |
| Noncurrent loans to loans | 0.1434% | 7,121 |
| Net loans and leases to total assets | 77.7511% | 1,622 |
| Net loans and leases to deposits | 99.4859% | 1,159 |
| Net loans and leases to core deposits | 119.5620% | 2,284 |
| Total domestic deposits to total assets | 78.1528% | 6,037 |
| Equity capital to assets | 8.1929% | 6,649 |
| Core capital (leverage) ratio | 8.1369% | 6,126 |
| Tier 1 risk-based capital ratio | 10.7058% | 6,240 |
| Total risk-based capital ratio | 11.6249% | 6,537 |
| Memoranda: | ||
| Average total assets | $115,074,750 | 4,716 |
| Average earning assets | $109,324,250 | 4,614 |
| Average equity | $9,279,250 | 5,565 |
| Average total loans | $90,467,250 | 4,235 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6951% | 3,566 |
| Cost of funding earning assets | 1.9718% | 3,905 |
| Net interest margin | 3.7233% | 3,862 |
| Noninterest income to average assets | 0.2740% | 6,311 |
| Noninterest expense to average assets | 2.3996% | 6,458 |
| Loan and lease loss provision to assets | 0.1483% | 5,596 |
| Net operating income to assets | 0.8429% | 2,684 |
| Return on assets (ROA) | 0.8429% | 2,782 |
| Pretax return on assets | 1.2652% | 2,119 |
| Return on Equity (ROE) | 10.5103% | 1,848 |
| Retained earnings to average equity (ytd only) | 7.2462% | 1,491 |
| Net charge-offs to loans | 0.0532% | 5,745 |
| Credit loss provision to net charge-offs | 354.1667% | 1,311 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 919 |
| Efficiency ratio | 62.9291% | 6,095 |
| Assets per employee ($millions) | 4.0717% | 3,551 |
| Cash dividends to net income (ytd only)* | 31.0559% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 7,079 |
| Loan loss allowance to noncurrent loans | 564.3939% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 7,273 |
| Noncurrent loans to loans | 0.1456% | 7,153 |
| Net loans and leases to total assets | 78.8495% | 1,563 |
| Net loans and leases to deposits | 100.0813% | 1,281 |
| Net loans and leases to core deposits | 117.5977% | 2,581 |
| Total domestic deposits to total assets | 78.7855% | 5,866 |
| Equity capital to assets | 8.2048% | 6,482 |
| Core capital (leverage) ratio | 7.9957% | 6,340 |
| Tier 1 risk-based capital ratio | 10.5321% | 6,348 |
| Total risk-based capital ratio | 11.3822% | 6,717 |
| Memoranda: | ||
| Average total assets | $114,602,670 | 4,759 |
| Average earning assets | $108,935,330 | 4,660 |
| Average equity | $9,191,000 | 5,613 |
| Average total loans | $90,162,670 | 4,272 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7492% | 3,536 |
| Cost of funding earning assets | 2.0606% | 3,824 |
| Net interest margin | 3.6886% | 3,939 |
| Noninterest income to average assets | 0.2298% | 6,621 |
| Noninterest expense to average assets | 2.3394% | 6,402 |
| Loan and lease loss provision to assets | 0.1393% | 5,173 |
| Net operating income to assets | 0.8320% | 2,984 |
| Return on assets (ROA) | 0.8320% | 3,132 |
| Pretax return on assets | 1.2533% | 2,444 |
| Return on Equity (ROE) | 10.4945% | 2,130 |
| Retained earnings to average equity (ytd only) | 7.2013% | 2,132 |
| Net charge-offs to loans | 0.1112% | 4,078 |
| Credit loss provision to net charge-offs | 160.0000% | 2,648 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,573 |
| Efficiency ratio | 62.6866% | 5,934 |
| Assets per employee ($millions) | 4.1629% | 3,334 |
| Cash dividends to net income (ytd only)* | 31.3808% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7737% | 7,243 |
| Loan loss allowance to noncurrent loans | 45.5078% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 1.3178% | 4,033 |
| Noncurrent loans to loans | 1.7002% | 3,708 |
| Net loans and leases to total assets | 76.9082% | 2,062 |
| Net loans and leases to deposits | 96.4879% | 1,872 |
| Net loans and leases to core deposits | 113.6199% | 3,046 |
| Total domestic deposits to total assets | 79.7076% | 5,462 |
| Equity capital to assets | 7.8748% | 6,979 |
| Core capital (leverage) ratio | 7.8231% | 6,718 |
| Tier 1 risk-based capital ratio | 10.3450% | 6,547 |
| Total risk-based capital ratio | 11.1431% | 6,934 |
| Memoranda: | ||
| Average total assets | $114,900,500 | 4,779 |
| Average earning assets | $109,092,500 | 4,666 |
| Average equity | $9,109,500 | 5,664 |
| Average total loans | $89,924,500 | 4,308 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2997% | 3,964 |
| Cost of funding earning assets | 2.6781% | 3,272 |
| Net interest margin | 3.6216% | 4,780 |
| Noninterest income to average assets | 0.2894% | 6,394 |
| Noninterest expense to average assets | 2.2791% | 6,761 |
| Loan and lease loss provision to assets | 0.0228% | 7,111 |
| Net operating income to assets | 0.9138% | 2,944 |
| Return on assets (ROA) | 0.9138% | 2,793 |
| Pretax return on assets | 1.4080% | 1,951 |
| Return on Equity (ROE) | 11.7090% | 1,682 |
| Retained earnings to average equity (ytd only) | 7.9770% | 850 |
| Net charge-offs to loans | -0.0035% | 7,768 |
| Credit loss provision to net charge-offs | -833.3333% | 7,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4328% | 6,066 |
| Assets per employee ($millions) | 4.0443% | 3,426 |
| Cash dividends to net income (ytd only)* | 31.8725% | 4,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7653% | 7,222 |
| Loan loss allowance to noncurrent loans | 389.2045% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 6,949 |
| Noncurrent loans to loans | 0.1966% | 6,803 |
| Net loans and leases to total assets | 78.4352% | 2,013 |
| Net loans and leases to deposits | 97.5187% | 2,192 |
| Net loans and leases to core deposits | 115.5142% | 3,176 |
| Total domestic deposits to total assets | 80.4309% | 4,857 |
| Equity capital to assets | 7.9830% | 6,866 |
| Core capital (leverage) ratio | 7.9939% | 6,504 |
| Tier 1 risk-based capital ratio | 10.3928% | 6,320 |
| Total risk-based capital ratio | 11.1918% | 6,696 |
| Memoranda: | ||
| Average total assets | $109,869,600 | 4,792 |
| Average earning assets | $103,767,600 | 4,689 |
| Average equity | $8,574,600 | 5,882 |
| Average total loans | $85,802,600 | 4,338 |