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Signature Bank, Performance and Condition Ratios

2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5190%692
Cost of funding earning assets0.9198%2,262
Net interest margin4.5992%831
Noninterest income to average assets0.1075%6,639
Noninterest expense to average assets3.1900%2,622
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets0.9677%2,590
Return on assets (ROA)0.9677%2,837
Pretax return on assets1.2186%2,843
Return on Equity (ROE)6.5165%4,043
Retained earnings to average equity (ytd only)-17.6186%6,979
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.9187%3,781
Assets per employee ($millions)2.8515%6,318
Cash dividends to net income (ytd only)*370.3704%23
Condition Ratios (%)
Loss allowance to loans1.0862%5,836
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,881
Noncurrent loans to loans0.0000%6,740
Net loans and leases to total assets71.8569%1,583
Net loans and leases to deposits84.9326%1,726
Net loans and leases to core deposits84.9326%2,574
Total domestic deposits to total assets84.6046%4,050
Equity capital to assets14.2031%1,014
Core capital (leverage) ratio10.3594%2,972
Tier 1 risk-based capital ratio13.4001%4,902
Total risk-based capital ratio14.4731%4,995
Memoranda:
Average total assets$5,580,0007,243
Average earning assets$5,218,3307,228
Average equity$828,6707,226
Average total loans$4,085,0007,171
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5868%642
Cost of funding earning assets0.9311%2,437
Net interest margin4.6557%742
Noninterest income to average assets0.0725%6,850
Noninterest expense to average assets3.2618%2,410
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.9423%2,733
Return on assets (ROA)0.9423%2,942
Pretax return on assets1.1597%3,071
Return on Equity (ROE)6.2053%4,186
Retained earnings to average equity (ytd only)-41.5274%7,193
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.4918%3,720
Assets per employee ($millions)2.8010%6,497
Cash dividends to net income (ytd only)*769.2308%17
Condition Ratios (%)
Loss allowance to loans1.0954%5,919
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,966
Noncurrent loans to loans0.0000%6,812
Net loans and leases to total assets72.5277%1,313
Net loans and leases to deposits85.6450%1,461
Net loans and leases to core deposits85.6450%2,333
Total domestic deposits to total assets84.6840%4,166
Equity capital to assets14.1735%960
Core capital (leverage) ratio10.2511%3,049
Tier 1 risk-based capital ratio13.1775%5,083
Total risk-based capital ratio14.2616%5,184
Memoranda:
Average total assets$5,518,5007,306
Average earning assets$5,155,0007,291
Average equity$838,0007,289
Average total loans$4,056,0007,233
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8336%597
Cost of funding earning assets0.9723%3,563
Net interest margin4.8614%558
Noninterest income to average assets0.1084%6,603
Noninterest expense to average assets3.0357%3,464
Loan and lease loss provision to assets0.0361%6,116
Net operating income to assets1.2045%1,501
Return on assets (ROA)1.2468%1,489
Pretax return on assets1.6082%1,181
Return on Equity (ROE)8.1580%2,827
Retained earnings to average equity (ytd only)8.1580%1,029
Net charge-offs to loans0.0000%6,441
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.8906%5,320
Assets per employee ($millions)2.7175%6,583
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.1239%5,720
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,026
Noncurrent loans to loans0.0000%6,879
Net loans and leases to total assets72.8427%1,484
Net loans and leases to deposits88.1934%1,357
Net loans and leases to core deposits88.1934%2,353
Total domestic deposits to total assets82.5943%4,927
Equity capital to assets16.2282%552
Core capital (leverage) ratio12.1166%1,528
Tier 1 risk-based capital ratio13.6590%4,579
Total risk-based capital ratio14.6315%4,759
Memoranda:
Average total assets$5,534,2007,354
Average earning assets$5,142,6007,342
Average equity$845,8007,341
Average total loans$4,163,8007,282
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8621%605
Cost of funding earning assets0.9814%3,807
Net interest margin4.8807%533
Noninterest income to average assets0.1200%6,663
Noninterest expense to average assets3.0221%3,476
Loan and lease loss provision to assets0.0480%5,842
Net operating income to assets1.2616%1,480
Return on assets (ROA)1.3191%1,415
Pretax return on assets1.6550%1,243
Return on Equity (ROE)8.7637%2,702
Retained earnings to average equity (ytd only)8.7637%1,230
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.3711%5,356
Assets per employee ($millions)2.7040%6,643
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.1202%5,813
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,097
Noncurrent loans to loans0.0000%6,971
Net loans and leases to total assets73.4467%1,420
Net loans and leases to deposits88.6607%1,359
Net loans and leases to core deposits95.0922%1,687
Total domestic deposits to total assets82.8402%4,745
Equity capital to assets16.1058%612
Core capital (leverage) ratio11.8131%1,819
Tier 1 risk-based capital ratio13.2177%4,936
Total risk-based capital ratio14.1817%5,131
Memoranda:
Average total assets$5,559,0007,433
Average earning assets$5,163,0007,421
Average equity$836,7507,418
Average total loans$4,203,7507,353
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8827%604
Cost of funding earning assets1.0381%3,679
Net interest margin4.8446%561
Noninterest income to average assets0.1426%6,611
Noninterest expense to average assets3.0307%3,523
Loan and lease loss provision to assets0.0713%5,418
Net operating income to assets1.2337%1,480
Return on assets (ROA)1.3192%1,348
Pretax return on assets1.6401%1,179
Return on Equity (ROE)8.9661%2,530
Retained earnings to average equity (ytd only)8.9661%1,118
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.0769%5,388
Assets per employee ($millions)2.8170%6,441
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.1021%5,950
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,147
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets71.6720%1,850
Net loans and leases to deposits85.2798%1,899
Net loans and leases to core deposits91.0896%2,239
Total domestic deposits to total assets84.0433%4,328
Equity capital to assets15.0692%808
Core capital (leverage) ratio11.0209%2,229
Tier 1 risk-based capital ratio12.2764%5,537
Total risk-based capital ratio13.2017%5,800
Memoranda:
Average total assets$5,609,3307,509
Average earning assets$5,201,6707,497
Average equity$825,3307,494
Average total loans$4,266,0007,428
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9621%514
Cost of funding earning assets1.0840%3,633
Net interest margin4.8780%488
Noninterest income to average assets0.2859%5,630
Noninterest expense to average assets3.0731%3,370
Loan and lease loss provision to assets0.1429%4,224
Net operating income to assets1.2864%1,303
Return on assets (ROA)1.2864%1,350
Pretax return on assets1.5723%1,248
Return on Equity (ROE)8.8506%2,533
Retained earnings to average equity (ytd only)8.8506%1,426
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.1940%5,807
Assets per employee ($millions)2.9255%6,294
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.0169%6,328
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,222
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets74.8590%1,209
Net loans and leases to deposits89.4791%1,297
Net loans and leases to core deposits95.3418%1,735
Total domestic deposits to total assets83.6609%4,636
Equity capital to assets14.0318%1,005
Core capital (leverage) ratio10.3239%2,779
Tier 1 risk-based capital ratio11.1627%6,384
Total risk-based capital ratio12.0333%6,628
Memoranda:
Average total assets$5,597,0007,570
Average earning assets$5,166,0007,556
Average equity$813,5007,551
Average total loans$4,357,5007,486
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2370%527
Cost of funding earning assets1.0847%5,222
Net interest margin5.1523%320
Noninterest income to average assets0.1653%6,541
Noninterest expense to average assets3.4506%2,301
Loan and lease loss provision to assets0.4132%3,627
Net operating income to assets0.7438%3,026
Return on assets (ROA)0.7438%3,151
Pretax return on assets1.0124%2,888
Return on Equity (ROE)4.5489%4,274
Retained earnings to average equity (ytd only)4.5489%2,689
Net charge-offs to loans-0.0257%7,390
Credit loss provision to net charge-offs-2,000.0000%7,177
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.7966%4,602
Assets per employee ($millions)2.6715%6,738
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.0023%6,375
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,281
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets79.4872%732
Net loans and leases to deposits94.5459%1,008
Net loans and leases to core deposits94.5459%2,192
Total domestic deposits to total assets84.0726%4,330
Equity capital to assets15.0852%762
Core capital (leverage) ratio11.1624%2,036
Tier 1 risk-based capital ratio12.5480%4,980
Total risk-based capital ratio13.5184%5,206
Memoranda:
Average total assets$4,839,8007,657
Average earning assets$4,425,2007,643
Average equity$791,4007,649
Average total loans$3,897,0007,578
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2889%521
Cost of funding earning assets1.1153%5,347
Net interest margin5.1736%316
Noninterest income to average assets0.1979%6,477
Noninterest expense to average assets3.5639%1,869
Loan and lease loss provision to assets0.0566%6,503
Net operating income to assets0.9900%2,271
Return on assets (ROA)0.9900%2,385
Pretax return on assets1.3012%2,165
Return on Equity (ROE)5.9245%3,855
Retained earnings to average equity (ytd only)5.9245%2,403
Net charge-offs to loans-0.0350%7,425
Credit loss provision to net charge-offs-200.0000%6,948
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.5402%4,166
Assets per employee ($millions)2.3805%7,220
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.6543%7,278
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,384
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets79.7311%793
Net loans and leases to deposits97.6840%819
Net loans and leases to core deposits97.6840%2,076
Total domestic deposits to total assets81.6215%5,156
Equity capital to assets17.0132%514
Core capital (leverage) ratio12.1206%1,605
Tier 1 risk-based capital ratio14.2235%3,684
Total risk-based capital ratio14.8642%4,058
Memoranda:
Average total assets$4,714,0007,761
Average earning assets$4,303,7507,748
Average equity$787,7507,752
Average total loans$3,798,7507,680
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2573%556
Cost of funding earning assets1.1674%5,302
Net interest margin5.0899%349
Noninterest income to average assets0.2128%6,399
Noninterest expense to average assets3.6609%1,641
Loan and lease loss provision to assets0.0851%6,074
Net operating income to assets0.8514%2,724
Return on assets (ROA)0.8514%2,875
Pretax return on assets1.1068%2,764
Return on Equity (ROE)5.1260%4,228
Retained earnings to average equity (ytd only)5.1260%2,833
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.8070%3,693
Assets per employee ($millions)2.3665%7,276
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.6291%7,371
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,438
Noncurrent loans to loans0.0000%7,347
Net loans and leases to total assets80.0972%780
Net loans and leases to deposits98.9043%806
Net loans and leases to core deposits98.9043%2,131
Total domestic deposits to total assets80.9846%5,402
Equity capital to assets16.7970%563
Core capital (leverage) ratio12.0412%1,618
Tier 1 risk-based capital ratio13.8019%3,878
Total risk-based capital ratio14.4177%4,266
Memoranda:
Average total assets$4,698,3307,830
Average earning assets$4,283,0007,817
Average equity$780,3307,820
Average total loans$3,791,3307,749
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2778%551
Cost of funding earning assets1.2181%5,295
Net interest margin5.0597%372
Noninterest income to average assets0.0855%7,275
Noninterest expense to average assets3.6744%1,561
Loan and lease loss provision to assets0.1709%4,821
Net operating income to assets0.6836%3,506
Return on assets (ROA)0.6836%3,625
Pretax return on assets0.8545%3,647
Return on Equity (ROE)4.1397%4,825
Retained earnings to average equity (ytd only)4.1397%3,662
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.5455%3,482
Assets per employee ($millions)2.3390%7,404
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.6322%7,452
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,514
Noncurrent loans to loans0.0000%7,426
Net loans and leases to total assets80.6327%753
Net loans and leases to deposits102.2777%629
Net loans and leases to core deposits102.2777%1,872
Total domestic deposits to total assets78.8371%6,112
Equity capital to assets16.6097%582
Core capital (leverage) ratio11.8848%1,698
Tier 1 risk-based capital ratio13.5822%3,940
Total risk-based capital ratio14.2043%4,344
Memoranda:
Average total assets$4,681,0007,933
Average earning assets$4,269,0007,920
Average equity$773,0007,912
Average total loans$3,779,5007,851
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4370%762
Cost of funding earning assets1.7087%4,457
Net interest margin4.7282%800
Noninterest income to average assets0.2127%6,582
Noninterest expense to average assets3.8926%1,519
Loan and lease loss provision to assets0.0638%6,932
Net operating income to assets0.4467%3,940
Return on assets (ROA)0.4467%4,062
Pretax return on assets0.5531%4,038
Return on Equity (ROE)2.7822%4,597
Retained earnings to average equity (ytd only)2.7822%3,212
Net charge-offs to loans0.1331%5,869
Credit loss provision to net charge-offs60.0000%6,637
Earnings coverage of net charge-offs (x)5.8000%2,496
Efficiency ratio83.0189%2,473
Assets per employee ($millions)2.3420%7,420
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.5846%7,576
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,553
Noncurrent loans to loans0.0000%7,460
Net loans and leases to total assets79.8676%1,016
Net loans and leases to deposits99.9733%906
Net loans and leases to core deposits119.3682%1,995
Total domestic deposits to total assets79.8890%5,701
Equity capital to assets16.4176%631
Core capital (leverage) ratio11.6727%1,831
Tier 1 risk-based capital ratio13.4360%3,862
Total risk-based capital ratio14.0099%4,258
Memoranda:
Average total assets$4,701,2008,012
Average earning assets$4,272,2007,998
Average equity$754,8007,998
Average total loans$3,757,8007,928
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4842%773
Cost of funding earning assets1.8391%4,203
Net interest margin4.6448%916
Noninterest income to average assets0.2268%6,610
Noninterest expense to average assets4.0236%1,243
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets0.3400%4,638
Return on assets (ROA)0.3400%4,733
Pretax return on assets0.4250%4,727
Return on Equity (ROE)2.1298%5,121
Retained earnings to average equity (ytd only)2.1298%4,137
Net charge-offs to loans0.2130%4,701
Credit loss provision to net charge-offs0.0000%6,657
Earnings coverage of net charge-offs (x)2.5000%3,976
Efficiency ratio90.4459%1,651
Assets per employee ($millions)2.2990%7,502
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.5046%7,708
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,619
Noncurrent loans to loans0.0000%7,541
Net loans and leases to total assets77.1857%1,746
Net loans and leases to deposits92.9788%2,064
Net loans and leases to core deposits110.5607%3,176
Total domestic deposits to total assets83.0144%4,211
Equity capital to assets16.5072%704
Core capital (leverage) ratio11.2027%2,262
Tier 1 risk-based capital ratio13.8835%3,616
Total risk-based capital ratio14.3803%4,035
Memoranda:
Average total assets$4,705,5008,098
Average earning assets$4,277,0008,084
Average equity$751,2508,083
Average total loans$3,756,5008,004
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5091%807
Cost of funding earning assets1.9062%4,227
Net interest margin4.6029%946
Noninterest income to average assets0.2531%6,468
Noninterest expense to average assets4.0917%1,198
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets0.2531%5,074
Return on assets (ROA)0.2531%5,168
Pretax return on assets0.3375%5,106
Return on Equity (ROE)1.6028%5,428
Retained earnings to average equity (ytd only)1.6028%4,436
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio92.3810%1,610
Assets per employee ($millions)2.4445%7,355
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.6009%7,630
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,675
Noncurrent loans to loans0.0000%7,580
Net loans and leases to total assets81.2027%1,097
Net loans and leases to deposits98.4623%1,457
Net loans and leases to core deposits127.2028%1,768
Total domestic deposits to total assets82.4709%4,498
Equity capital to assets15.3406%962
Core capital (leverage) ratio10.8486%2,525
Tier 1 risk-based capital ratio12.2894%4,685
Total risk-based capital ratio12.8840%5,194
Memoranda:
Average total assets$4,741,3308,193
Average earning assets$4,301,6708,177
Average equity$748,6708,176
Average total loans$3,819,6708,092
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5504%783
Cost of funding earning assets1.8987%4,634
Net interest margin4.6517%865
Noninterest income to average assets0.1714%7,079
Noninterest expense to average assets4.1993%940
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets0.1714%5,747
Return on assets (ROA)0.1714%5,914
Pretax return on assets0.1714%6,008
Return on Equity (ROE)1.0695%6,104
Retained earnings to average equity (ytd only)1.0695%5,212
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.0784%1,320
Assets per employee ($millions)2.3840%7,483
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.6211%7,623
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,590
Net loans and leases to total assets80.5369%1,285
Net loans and leases to deposits98.1344%1,642
Net loans and leases to core deposits124.1915%2,068
Total domestic deposits to total assets82.0680%4,523
Equity capital to assets15.6879%930
Core capital (leverage) ratio11.1237%2,403
Tier 1 risk-based capital ratio12.7471%4,349
Total risk-based capital ratio13.3715%4,755
Memoranda:
Average total assets$4,667,5008,244
Average earning assets$4,213,5008,229
Average equity$748,0008,228
Average total loans$3,732,5008,150
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.4530%451
Cost of funding earning assets2.7320%3,012
Net interest margin4.7211%933
Noninterest income to average assets0.1917%7,085
Noninterest expense to average assets3.9627%1,472
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.3409%5,393
Return on assets (ROA)0.3409%5,213
Pretax return on assets0.4261%5,187
Return on Equity (ROE)2.0871%5,587
Retained earnings to average equity (ytd only)-2.8698%6,072
Net charge-offs to loans0.0000%7,039
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.2913%1,494
Assets per employee ($millions)2.2835%7,588
Cash dividends to net income (ytd only)*237.5000%263
Condition Ratios (%)
Loss allowance to loans0.6665%7,512
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets78.3228%2,042
Net loans and leases to deposits95.3104%2,562
Net loans and leases to core deposits121.7909%2,526
Total domestic deposits to total assets82.1765%4,131
Equity capital to assets16.3784%869
Core capital (leverage) ratio10.8754%2,688
Tier 1 risk-based capital ratio13.5504%3,792
Total risk-based capital ratio14.2181%4,050
Memoranda:
Average total assets$4,693,8008,300
Average earning assets$4,172,8008,288
Average equity$766,6008,290
Average total loans$3,446,4008,210