Home > Signature Bank > Performance and Condition Ratios
Signature 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 | 5.1710% | 2,375 |
| Cost of funding earning assets | 1.4313% | 1,272 |
| Net interest margin | 3.7397% | 4,083 |
| Noninterest income to average assets | -0.8351% | 7,464 |
| Noninterest expense to average assets | 3.4830% | 2,024 |
| Loan and lease loss provision to assets | 4.1606% | 70 |
| Net operating income to assets | -5.3107% | 7,447 |
| Return on assets (ROA) | -5.1146% | 7,442 |
| Pretax return on assets | -5.1146% | 7,440 |
| Return on Equity (ROE) | -161.4954% | 7,476 |
| Retained earnings to average equity (ytd only) | -161.4954% | 7,476 |
| Net charge-offs to loans | 3.8942% | 211 |
| Credit loss provision to net charge-offs | 140.4213% | 2,168 |
| Earnings coverage of net charge-offs (x) | -0.3882% | 5,492 |
| Efficiency ratio | 149.2994% | 158 |
| Assets per employee ($millions) | 3.9074% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2951% | 159 |
| Loan loss allowance to noncurrent loans | 43.7542% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 16.1122% | 120 |
| Noncurrent loans to loans | 12.1020% | 248 |
| Net loans and leases to total assets | 74.5529% | 1,313 |
| Net loans and leases to deposits | 77.2324% | 3,261 |
| Net loans and leases to core deposits | 86.1455% | 2,883 |
| Total domestic deposits to total assets | 96.5306% | 24 |
| Equity capital to assets | 2.4793% | 7,454 |
| Core capital (leverage) ratio | 2.3862% | 7,459 |
| Tier 1 risk-based capital ratio | 2.8653% | 7,469 |
| Total risk-based capital ratio | 4.1604% | 7,471 |
| Memoranda: | ||
| Average total assets | $67,298,000 | 5,908 |
| Average earning assets | $57,010,670 | 6,055 |
| Average equity | $2,131,330 | 7,326 |
| Average total loans | $51,204,330 | 5,309 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9817% | 3,186 |
| Cost of funding earning assets | 1.5088% | 1,127 |
| Net interest margin | 3.4729% | 5,132 |
| Noninterest income to average assets | -1.6818% | 7,554 |
| Noninterest expense to average assets | 3.6219% | 1,720 |
| Loan and lease loss provision to assets | 8.0358% | 24 |
| Net operating income to assets | -10.4064% | 7,557 |
| Return on assets (ROA) | -10.4064% | 7,557 |
| Pretax return on assets | -10.4064% | 7,553 |
| Return on Equity (ROE) | -299.4220% | 7,551 |
| Retained earnings to average equity (ytd only) | -299.4220% | 7,551 |
| Net charge-offs to loans | 4.5825% | 180 |
| Credit loss provision to net charge-offs | 234.1137% | 1,313 |
| Earnings coverage of net charge-offs (x) | -0.6906% | 4,847 |
| Efficiency ratio | 289.4495% | 29 |
| Assets per employee ($millions) | 4.4475% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8044% | 114 |
| Loan loss allowance to noncurrent loans | 58.4403% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 14.1699% | 176 |
| Noncurrent loans to loans | 9.9322% | 409 |
| Net loans and leases to total assets | 73.0993% | 1,494 |
| Net loans and leases to deposits | 75.5500% | 3,484 |
| Net loans and leases to core deposits | 83.4163% | 3,240 |
| Total domestic deposits to total assets | 96.7562% | 20 |
| Equity capital to assets | 2.2755% | 7,513 |
| Core capital (leverage) ratio | 2.0115% | 7,534 |
| Tier 1 risk-based capital ratio | 2.5607% | 7,537 |
| Total risk-based capital ratio | 3.8614% | 7,538 |
| Memoranda: | ||
| Average total assets | $69,688,000 | 5,871 |
| Average earning assets | $58,855,000 | 6,034 |
| Average equity | $2,422,000 | 7,314 |
| Average total loans | $52,199,000 | 5,324 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2991% | 3,132 |
| Cost of funding earning assets | 1.7958% | 1,184 |
| Net interest margin | 3.5033% | 5,239 |
| Noninterest income to average assets | 0.3302% | 5,431 |
| Noninterest expense to average assets | 3.1190% | 3,388 |
| Loan and lease loss provision to assets | 1.2751% | 1,214 |
| Net operating income to assets | -1.1008% | 6,740 |
| Return on assets (ROA) | -1.0104% | 6,728 |
| Pretax return on assets | -1.0104% | 6,651 |
| Return on Equity (ROE) | -19.8435% | 7,036 |
| Retained earnings to average equity (ytd only) | -19.8435% | 7,010 |
| Net charge-offs to loans | 4.5072% | 241 |
| Credit loss provision to net charge-offs | 37.2369% | 6,419 |
| Earnings coverage of net charge-offs (x) | 0.0509% | 6,065 |
| Efficiency ratio | 94.7075% | 1,022 |
| Assets per employee ($millions) | 4.5415% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1861% | 339 |
| Loan loss allowance to noncurrent loans | 84.7308% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 13.3711% | 211 |
| Noncurrent loans to loans | 4.9404% | 1,372 |
| Net loans and leases to total assets | 69.3934% | 2,686 |
| Net loans and leases to deposits | 73.4508% | 4,286 |
| Net loans and leases to core deposits | 79.7192% | 4,251 |
| Total domestic deposits to total assets | 94.4759% | 72 |
| Equity capital to assets | 4.5772% | 7,473 |
| Core capital (leverage) ratio | 4.5193% | 7,458 |
| Tier 1 risk-based capital ratio | 5.5895% | 7,501 |
| Total risk-based capital ratio | 6.8713% | 7,505 |
| Memoranda: | ||
| Average total assets | $76,306,600 | 5,704 |
| Average earning assets | $64,539,000 | 5,842 |
| Average equity | $3,885,400 | 7,035 |
| Average total loans | $57,973,600 | 5,157 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3579% | 3,084 |
| Cost of funding earning assets | 1.8653% | 1,151 |
| Net interest margin | 3.4926% | 5,322 |
| Noninterest income to average assets | 0.2970% | 5,760 |
| Noninterest expense to average assets | 3.1408% | 3,142 |
| Loan and lease loss provision to assets | 0.1589% | 5,454 |
| Net operating income to assets | -0.0380% | 6,077 |
| Return on assets (ROA) | 0.0812% | 5,956 |
| Pretax return on assets | 0.0812% | 5,946 |
| Return on Equity (ROE) | 1.5569% | 5,752 |
| Retained earnings to average equity (ytd only) | 1.5569% | 5,177 |
| Net charge-offs to loans | 4.1318% | 287 |
| Credit loss provision to net charge-offs | 5.0054% | 6,355 |
| Earnings coverage of net charge-offs (x) | 0.0381% | 5,993 |
| Efficiency ratio | 96.2943% | 894 |
| Assets per employee ($millions) | 4.1697% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8366% | 421 |
| Loan loss allowance to noncurrent loans | 55.3006% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 15.7833% | 129 |
| Noncurrent loans to loans | 6.9377% | 818 |
| Net loans and leases to total assets | 74.1497% | 1,772 |
| Net loans and leases to deposits | 79.5728% | 3,531 |
| Net loans and leases to core deposits | 86.0992% | 3,636 |
| Total domestic deposits to total assets | 93.1847% | 95 |
| Equity capital to assets | 5.8771% | 7,503 |
| Core capital (leverage) ratio | 5.4400% | 7,504 |
| Tier 1 risk-based capital ratio | 6.7739% | 7,567 |
| Total risk-based capital ratio | 8.0507% | 7,572 |
| Memoranda: | ||
| Average total assets | $77,217,250 | 5,742 |
| Average earning assets | $65,546,250 | 5,875 |
| Average equity | $4,025,250 | 7,080 |
| Average total loans | $59,310,250 | 5,177 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2721% | 3,594 |
| Cost of funding earning assets | 1.9113% | 1,197 |
| Net interest margin | 3.3609% | 5,794 |
| Noninterest income to average assets | 0.2471% | 6,142 |
| Noninterest expense to average assets | 3.1036% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0252% | 6,046 |
| Return on assets (ROA) | 0.0252% | 6,142 |
| Pretax return on assets | 0.0252% | 6,114 |
| Return on Equity (ROE) | 0.5027% | 6,083 |
| Retained earnings to average equity (ytd only) | 0.5027% | 5,561 |
| Net charge-offs to loans | 5.4813% | 168 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.0060% | 5,712 |
| Efficiency ratio | 99.1942% | 830 |
| Assets per employee ($millions) | 4.5072% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8271% | 426 |
| Loan loss allowance to noncurrent loans | 84.2962% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 12.7534% | 233 |
| Noncurrent loans to loans | 4.5401% | 1,603 |
| Net loans and leases to total assets | 71.2984% | 2,593 |
| Net loans and leases to deposits | 75.9333% | 4,350 |
| Net loans and leases to core deposits | 82.1408% | 4,397 |
| Total domestic deposits to total assets | 93.8961% | 80 |
| Equity capital to assets | 5.2478% | 7,617 |
| Core capital (leverage) ratio | 4.8875% | 7,617 |
| Tier 1 risk-based capital ratio | 6.1968% | 7,650 |
| Total risk-based capital ratio | 7.4737% | 7,652 |
| Memoranda: | ||
| Average total assets | $79,328,000 | 5,717 |
| Average earning assets | $68,018,000 | 5,830 |
| Average equity | $3,978,330 | 7,133 |
| Average total loans | $60,861,000 | 5,144 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1497% | 4,297 |
| Cost of funding earning assets | 2.0154% | 1,029 |
| Net interest margin | 3.1344% | 6,505 |
| Noninterest income to average assets | 0.2528% | 6,128 |
| Noninterest expense to average assets | 2.6326% | 5,220 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3421% | 5,118 |
| Return on assets (ROA) | 0.3421% | 5,242 |
| Pretax return on assets | 0.3421% | 5,485 |
| Return on Equity (ROE) | 6.9750% | 3,355 |
| Retained earnings to average equity (ytd only) | 6.9750% | 2,144 |
| Net charge-offs to loans | 5.9788% | 180 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.0734% | 4,969 |
| Efficiency ratio | 88.5000% | 1,540 |
| Assets per employee ($millions) | 5.5175% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8525% | 194 |
| Loan loss allowance to noncurrent loans | 103.7540% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 11.7747% | 278 |
| Noncurrent loans to loans | 4.6769% | 1,586 |
| Net loans and leases to total assets | 68.7538% | 3,214 |
| Net loans and leases to deposits | 72.9074% | 4,926 |
| Net loans and leases to core deposits | 79.4288% | 4,842 |
| Total domestic deposits to total assets | 94.3029% | 63 |
| Equity capital to assets | 4.8452% | 7,733 |
| Core capital (leverage) ratio | 5.0593% | 7,697 |
| Tier 1 risk-based capital ratio | 5.9565% | 7,753 |
| Total risk-based capital ratio | 7.2459% | 7,754 |
| Memoranda: | ||
| Average total assets | $80,680,500 | 5,746 |
| Average earning assets | $70,062,000 | 5,847 |
| Average equity | $3,957,000 | 7,207 |
| Average total loans | $62,889,000 | 5,139 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3553% | 4,917 |
| Cost of funding earning assets | 2.8449% | 383 |
| Net interest margin | 2.5104% | 7,417 |
| Noninterest income to average assets | 0.1853% | 6,765 |
| Noninterest expense to average assets | 2.6132% | 5,750 |
| Loan and lease loss provision to assets | 4.2552% | 292 |
| Net operating income to assets | -4.4030% | 7,670 |
| Return on assets (ROA) | -4.4030% | 7,666 |
| Pretax return on assets | -4.4030% | 7,624 |
| Return on Equity (ROE) | -55.3867% | 7,728 |
| Retained earnings to average equity (ytd only) | -55.3867% | 7,723 |
| Net charge-offs to loans | 0.8291% | 2,754 |
| Credit loss provision to net charge-offs | 637.6098% | 460 |
| Earnings coverage of net charge-offs (x) | -0.2214% | 6,478 |
| Efficiency ratio | 105.9943% | 909 |
| Assets per employee ($millions) | 4.9124% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8250% | 106 |
| Loan loss allowance to noncurrent loans | 51.9886% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 13.7648% | 179 |
| Noncurrent loans to loans | 11.2044% | 333 |
| Net loans and leases to total assets | 79.0481% | 1,170 |
| Net loans and leases to deposits | 84.0324% | 3,265 |
| Net loans and leases to core deposits | 148.1037% | 556 |
| Total domestic deposits to total assets | 94.0686% | 71 |
| Equity capital to assets | 4.9670% | 7,797 |
| Core capital (leverage) ratio | 4.5167% | 7,805 |
| Tier 1 risk-based capital ratio | 5.7882% | 7,829 |
| Total risk-based capital ratio | 7.0937% | 7,829 |
| Memoranda: | ||
| Average total assets | $85,260,600 | 5,551 |
| Average earning assets | $77,437,600 | 5,547 |
| Average equity | $6,777,800 | 6,344 |
| Average total loans | $68,630,400 | 4,920 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4219% | 4,840 |
| Cost of funding earning assets | 2.9782% | 351 |
| Net interest margin | 2.4437% | 7,520 |
| Noninterest income to average assets | 0.3482% | 5,716 |
| Noninterest expense to average assets | 2.5646% | 5,839 |
| Loan and lease loss provision to assets | 0.7056% | 2,613 |
| Net operating income to assets | -0.6918% | 6,596 |
| Return on assets (ROA) | -0.6918% | 6,608 |
| Pretax return on assets | -0.6918% | 6,476 |
| Return on Equity (ROE) | -8.0216% | 6,731 |
| Retained earnings to average equity (ytd only) | -8.0216% | 6,604 |
| Net charge-offs to loans | 0.4810% | 3,305 |
| Credit loss provision to net charge-offs | 184.0000% | 2,479 |
| Earnings coverage of net charge-offs (x) | 0.0360% | 6,013 |
| Efficiency ratio | 99.4646% | 1,085 |
| Assets per employee ($millions) | 5.3701% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 3,607 |
| Loan loss allowance to noncurrent loans | 12.9630% | 7,383 |
| Noncurrent assets plus other real estate owned to assets | 10.9199% | 284 |
| Noncurrent loans to loans | 11.3271% | 310 |
| Net loans and leases to total assets | 73.0645% | 2,771 |
| Net loans and leases to deposits | 80.0648% | 4,375 |
| Net loans and leases to core deposits | 134.8605% | 1,159 |
| Total domestic deposits to total assets | 91.2566% | 321 |
| Equity capital to assets | 7.9021% | 6,945 |
| Core capital (leverage) ratio | 7.4681% | 7,016 |
| Tier 1 risk-based capital ratio | 9.8237% | 7,112 |
| Total risk-based capital ratio | 11.0745% | 7,083 |
| Memoranda: | ||
| Average total assets | $86,926,000 | 5,519 |
| Average earning assets | $79,331,000 | 5,514 |
| Average equity | $7,496,250 | 6,147 |
| Average total loans | $69,294,500 | 4,940 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6169% | 3,983 |
| Cost of funding earning assets | 3.0882% | 365 |
| Net interest margin | 2.5286% | 7,449 |
| Noninterest income to average assets | 0.2504% | 6,498 |
| Noninterest expense to average assets | 2.2440% | 6,936 |
| Loan and lease loss provision to assets | 0.4914% | 3,077 |
| Net operating income to assets | -0.1802% | 6,153 |
| Return on assets (ROA) | -0.1802% | 6,180 |
| Pretax return on assets | -0.1802% | 6,104 |
| Return on Equity (ROE) | -2.0289% | 6,227 |
| Retained earnings to average equity (ytd only) | -2.0289% | 5,749 |
| Net charge-offs to loans | 0.4124% | 3,146 |
| Credit loss provision to net charge-offs | 145.8333% | 3,173 |
| Earnings coverage of net charge-offs (x) | 0.9236% | 4,841 |
| Efficiency ratio | 87.8205% | 2,036 |
| Assets per employee ($millions) | 6.2174% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 4,874 |
| Loan loss allowance to noncurrent loans | 63.2440% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 3.3384% | 1,869 |
| Noncurrent loans to loans | 1.9114% | 3,654 |
| Net loans and leases to total assets | 69.8278% | 3,744 |
| Net loans and leases to deposits | 76.1425% | 5,152 |
| Net loans and leases to core deposits | 131.8728% | 1,440 |
| Total domestic deposits to total assets | 91.7068% | 270 |
| Equity capital to assets | 7.5011% | 7,263 |
| Core capital (leverage) ratio | 7.8762% | 6,524 |
| Tier 1 risk-based capital ratio | 9.9300% | 7,006 |
| Total risk-based capital ratio | 11.0509% | 7,082 |
| Memoranda: | ||
| Average total assets | $85,470,670 | 5,599 |
| Average earning assets | $77,908,330 | 5,599 |
| Average equity | $7,590,330 | 6,149 |
| Average total loans | $69,827,330 | 4,966 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1142% | 1,894 |
| Cost of funding earning assets | 3.1870% | 359 |
| Net interest margin | 2.9271% | 6,678 |
| Noninterest income to average assets | 0.2753% | 6,223 |
| Noninterest expense to average assets | 2.2124% | 6,832 |
| Loan and lease loss provision to assets | 0.4333% | 2,761 |
| Net operating income to assets | 0.2702% | 5,408 |
| Return on assets (ROA) | 0.2702% | 5,573 |
| Pretax return on assets | 0.2702% | 5,761 |
| Return on Equity (ROE) | 2.7696% | 5,464 |
| Retained earnings to average equity (ytd only) | 2.7696% | 4,337 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8741% | 3,513 |
| Assets per employee ($millions) | 4.9164% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 4,354 |
| Loan loss allowance to noncurrent loans | 402.3148% | 877 |
| Noncurrent assets plus other real estate owned to assets | 3.4235% | 1,580 |
| Noncurrent loans to loans | 0.3127% | 6,658 |
| Net loans and leases to total assets | 86.6951% | 368 |
| Net loans and leases to deposits | 99.1553% | 1,515 |
| Net loans and leases to core deposits | 153.5761% | 610 |
| Total domestic deposits to total assets | 87.4337% | 2,000 |
| Equity capital to assets | 9.7644% | 4,289 |
| Core capital (leverage) ratio | 9.6214% | 3,850 |
| Tier 1 risk-based capital ratio | 10.6642% | 6,226 |
| Total risk-based capital ratio | 11.8740% | 6,191 |
| Memoranda: | ||
| Average total assets | $78,466,500 | 5,873 |
| Average earning assets | $70,786,500 | 5,888 |
| Average equity | $7,654,500 | 6,170 |
| Average total loans | $69,584,000 | 5,001 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0225% | 1,076 |
| Cost of funding earning assets | 3.7067% | 262 |
| Net interest margin | 3.3157% | 5,982 |
| Noninterest income to average assets | 0.2462% | 6,684 |
| Noninterest expense to average assets | 2.6672% | 5,390 |
| Loan and lease loss provision to assets | 0.5627% | 2,566 |
| Net operating income to assets | 0.0225% | 6,306 |
| Return on assets (ROA) | 0.0225% | 6,160 |
| Pretax return on assets | 0.0225% | 6,110 |
| Return on Equity (ROE) | 0.2081% | 6,161 |
| Retained earnings to average equity (ytd only) | 0.2081% | 5,102 |
| Net charge-offs to loans | 0.2626% | 3,658 |
| Credit loss provision to net charge-offs | 240.9639% | 1,942 |
| Earnings coverage of net charge-offs (x) | 2.5060% | 4,821 |
| Efficiency ratio | 82.0069% | 2,303 |
| Assets per employee ($millions) | 4.8919% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 5,146 |
| Loan loss allowance to noncurrent loans | 195.5112% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 3.1430% | 1,456 |
| Noncurrent loans to loans | 0.5720% | 5,653 |
| Net loans and leases to total assets | 88.5627% | 315 |
| Net loans and leases to deposits | 103.4134% | 1,410 |
| Net loans and leases to core deposits | 154.4553% | 703 |
| Total domestic deposits to total assets | 85.6395% | 2,570 |
| Equity capital to assets | 9.7458% | 4,371 |
| Core capital (leverage) ratio | 9.5732% | 3,912 |
| Tier 1 risk-based capital ratio | 9.8925% | 6,860 |
| Total risk-based capital ratio | 10.9120% | 7,022 |
| Memoranda: | ||
| Average total assets | $71,086,400 | 5,996 |
| Average earning assets | $64,450,400 | 6,008 |
| Average equity | $7,687,800 | 6,216 |
| Average total loans | $63,211,200 | 5,135 |