Home > State Bank & Trust Company > Performance and Condition Ratios
State Bank & Trust Company, 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 | 4.1425% | 6,397 |
| Cost of funding earning assets | 0.8418% | 5,119 |
| Net interest margin | 3.3007% | 5,857 |
| Noninterest income to average assets | 0.5808% | 3,259 |
| Noninterest expense to average assets | 2.7047% | 4,804 |
| Loan and lease loss provision to assets | 0.0339% | 5,887 |
| Net operating income to assets | 0.7060% | 3,512 |
| Return on assets (ROA) | 0.7111% | 3,601 |
| Pretax return on assets | 0.7478% | 4,222 |
| Return on Equity (ROE) | 5.2669% | 4,324 |
| Retained earnings to average equity (ytd only) | -10.8153% | 6,908 |
| 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 | 75.3996% | 3,120 |
| Assets per employee ($millions) | 4.1363% | 3,476 |
| Cash dividends to net income (ytd only)* | 305.3435% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0504% | 7,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 6,445 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 34.2548% | 7,038 |
| Net loans and leases to deposits | 40.6780% | 7,043 |
| Net loans and leases to core deposits | 41.8147% | 7,073 |
| Total domestic deposits to total assets | 84.2095% | 4,257 |
| Equity capital to assets | 14.2653% | 1,007 |
| Core capital (leverage) ratio | 8.1815% | 6,062 |
| Tier 1 risk-based capital ratio | 15.4065% | 3,289 |
| Total risk-based capital ratio | 15.4397% | 3,994 |
| Memoranda: | ||
| Average total assets | $147,374,330 | 3,894 |
| Average earning assets | $129,488,330 | 4,001 |
| Average equity | $19,897,670 | 3,143 |
| Average total loans | $49,676,000 | 5,372 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9547% | 6,757 |
| Cost of funding earning assets | 0.8507% | 5,265 |
| Net interest margin | 3.1040% | 6,341 |
| Noninterest income to average assets | 0.6188% | 3,044 |
| Noninterest expense to average assets | 2.6985% | 4,840 |
| Loan and lease loss provision to assets | 0.0323% | 5,569 |
| Net operating income to assets | 0.5973% | 4,045 |
| Return on assets (ROA) | 0.5973% | 4,114 |
| Pretax return on assets | 0.6269% | 4,580 |
| Return on Equity (ROE) | 4.5491% | 4,624 |
| Retained earnings to average equity (ytd only) | 0.4508% | 5,639 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9647% | 2,850 |
| Assets per employee ($millions) | 4.3862% | 3,068 |
| Cash dividends to net income (ytd only)* | 90.0901% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0242% | 7,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3561% | 6,315 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 33.2515% | 7,118 |
| Net loans and leases to deposits | 39.0552% | 7,130 |
| Net loans and leases to core deposits | 40.0721% | 7,164 |
| Total domestic deposits to total assets | 85.1398% | 3,975 |
| Equity capital to assets | 13.1865% | 1,305 |
| Core capital (leverage) ratio | 9.0152% | 4,589 |
| Tier 1 risk-based capital ratio | 16.4157% | 2,699 |
| Total risk-based capital ratio | 16.4313% | 3,282 |
| Memoranda: | ||
| Average total assets | $148,676,000 | 3,900 |
| Average earning assets | $131,185,500 | 3,996 |
| Average equity | $19,520,500 | 3,184 |
| Average total loans | $49,706,000 | 5,408 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0345% | 7,653 |
| Cost of funding earning assets | 0.0075% | 7,634 |
| Net interest margin | 0.0270% | 7,645 |
| Noninterest income to average assets | 0.0062% | 7,261 |
| Noninterest expense to average assets | 0.0269% | 7,652 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.0007% | 5,835 |
| Return on assets (ROA) | -0.0007% | 5,963 |
| Pretax return on assets | 0.0041% | 5,890 |
| Return on Equity (ROE) | -0.0045% | 5,964 |
| Retained earnings to average equity (ytd only) | -51.1089% | 7,426 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6667% | 1,602 |
| Assets per employee ($millions) | 4.2349% | 3,318 |
| Cash dividends to net income (ytd only)* | -1,135,600.0000% | 7,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 6,360 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 33.6063% | 7,240 |
| Net loans and leases to deposits | 39.2511% | 7,279 |
| Net loans and leases to core deposits | 40.0608% | 7,304 |
| Total domestic deposits to total assets | 85.6189% | 3,545 |
| Equity capital to assets | 13.0723% | 1,361 |
| Core capital (leverage) ratio | 8.9020% | 4,696 |
| Tier 1 risk-based capital ratio | 16.6715% | 2,466 |
| Total risk-based capital ratio | 16.6715% | 2,994 |
| Memoranda: | ||
| Average total assets | $145,099,000 | 3,964 |
| Average earning assets | $133,456,000 | 3,948 |
| Average equity | $22,221,200 | 2,856 |
| Average total loans | $54,074,200 | 5,314 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0281% | 4,682 |
| Cost of funding earning assets | 0.9504% | 6,174 |
| Net interest margin | 4.0778% | 2,723 |
| Noninterest income to average assets | 0.4749% | 4,381 |
| Noninterest expense to average assets | 2.7753% | 4,582 |
| Loan and lease loss provision to assets | 0.1940% | 5,098 |
| Net operating income to assets | 1.2291% | 1,517 |
| Return on assets (ROA) | 1.3414% | 1,328 |
| Pretax return on assets | 1.4135% | 1,845 |
| Return on Equity (ROE) | 8.4419% | 2,719 |
| Retained earnings to average equity (ytd only) | 5.1512% | 2,869 |
| Net charge-offs to loans | 0.1789% | 4,883 |
| Credit loss provision to net charge-offs | 283.7838% | 1,141 |
| Earnings coverage of net charge-offs (x) | 21.7847% | 1,122 |
| Efficiency ratio | 65.0563% | 5,044 |
| Assets per employee ($millions) | 4.0323% | 3,764 |
| Cash dividends to net income (ytd only)* | 38.9809% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9077% | 2,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 6,440 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 35.0686% | 7,304 |
| Net loans and leases to deposits | 42.7889% | 7,281 |
| Net loans and leases to core deposits | 44.0985% | 7,318 |
| Total domestic deposits to total assets | 81.9573% | 5,013 |
| Equity capital to assets | 16.8303% | 538 |
| Core capital (leverage) ratio | 14.5579% | 807 |
| Tier 1 risk-based capital ratio | 26.8560% | 707 |
| Total risk-based capital ratio | 28.1065% | 686 |
| Memoranda: | ||
| Average total assets | $144,318,250 | 4,030 |
| Average earning assets | $134,121,500 | 3,987 |
| Average equity | $22,932,500 | 2,815 |
| Average total loans | $55,139,750 | 5,338 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1292% | 4,304 |
| Cost of funding earning assets | 0.9545% | 6,364 |
| Net interest margin | 4.1748% | 2,244 |
| Noninterest income to average assets | 0.4860% | 4,226 |
| Noninterest expense to average assets | 2.7604% | 4,660 |
| Loan and lease loss provision to assets | 0.2360% | 4,555 |
| Net operating income to assets | 1.3008% | 1,303 |
| Return on assets (ROA) | 1.4288% | 1,112 |
| Pretax return on assets | 1.5052% | 1,548 |
| Return on Equity (ROE) | 9.1740% | 2,399 |
| Retained earnings to average equity (ytd only) | 6.5974% | 2,023 |
| Net charge-offs to loans | 0.1601% | 4,664 |
| Credit loss provision to net charge-offs | 377.7778% | 956 |
| Earnings coverage of net charge-offs (x) | 25.7111% | 1,022 |
| Efficiency ratio | 63.1797% | 5,488 |
| Assets per employee ($millions) | 4.0271% | 3,722 |
| Cash dividends to net income (ytd only)* | 28.0855% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8909% | 2,437 |
| Loan loss allowance to noncurrent loans | 1,052.6882% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 6,330 |
| Noncurrent loans to loans | 0.1796% | 6,893 |
| Net loans and leases to total assets | 35.0359% | 7,388 |
| Net loans and leases to deposits | 42.3227% | 7,386 |
| Net loans and leases to core deposits | 42.3227% | 7,447 |
| Total domestic deposits to total assets | 82.7828% | 4,654 |
| Equity capital to assets | 16.2150% | 638 |
| Core capital (leverage) ratio | 14.1862% | 881 |
| Tier 1 risk-based capital ratio | 26.7861% | 714 |
| Total risk-based capital ratio | 28.0357% | 704 |
| Memoranda: | ||
| Average total assets | $144,037,330 | 4,056 |
| Average earning assets | $133,899,000 | 4,022 |
| Average equity | $22,433,000 | 2,870 |
| Average total loans | $56,221,000 | 5,344 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1430% | 4,331 |
| Cost of funding earning assets | 0.9433% | 6,605 |
| Net interest margin | 4.1997% | 2,041 |
| Noninterest income to average assets | 0.5544% | 3,614 |
| Noninterest expense to average assets | 2.7778% | 4,574 |
| Loan and lease loss provision to assets | 0.3343% | 3,388 |
| Net operating income to assets | 1.2680% | 1,367 |
| Return on assets (ROA) | 1.2733% | 1,426 |
| Pretax return on assets | 1.3429% | 1,926 |
| Return on Equity (ROE) | 8.3487% | 2,715 |
| Retained earnings to average equity (ytd only) | 8.3487% | 1,577 |
| Net charge-offs to loans | 0.1027% | 4,394 |
| Credit loss provision to net charge-offs | 800.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 685 |
| Efficiency ratio | 62.3669% | 5,760 |
| Assets per employee ($millions) | 3.8277% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 3,113 |
| Loan loss allowance to noncurrent loans | 168.8380% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 6,074 |
| Noncurrent loans to loans | 0.9984% | 5,324 |
| Net loans and leases to total assets | 38.4523% | 7,332 |
| Net loans and leases to deposits | 45.9286% | 7,334 |
| Net loans and leases to core deposits | 45.9286% | 7,431 |
| Total domestic deposits to total assets | 83.7219% | 4,285 |
| Equity capital to assets | 15.2393% | 826 |
| Core capital (leverage) ratio | 14.5311% | 848 |
| Tier 1 risk-based capital ratio | 25.6265% | 802 |
| Total risk-based capital ratio | 26.8197% | 789 |
| Memoranda: | ||
| Average total assets | $143,567,500 | 4,133 |
| Average earning assets | $133,153,000 | 4,098 |
| Average equity | $21,895,500 | 2,961 |
| Average total loans | $58,445,000 | 5,318 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5335% | 3,974 |
| Cost of funding earning assets | 1.0888% | 7,012 |
| Net interest margin | 4.4447% | 1,305 |
| Noninterest income to average assets | 0.4805% | 4,564 |
| Noninterest expense to average assets | 2.9939% | 4,166 |
| Loan and lease loss provision to assets | 0.3643% | 4,613 |
| Net operating income to assets | 1.1888% | 1,272 |
| Return on assets (ROA) | 1.4060% | 898 |
| Pretax return on assets | 1.4767% | 1,243 |
| Return on Equity (ROE) | 9.4851% | 1,860 |
| Retained earnings to average equity (ytd only) | 3.0368% | 3,039 |
| Net charge-offs to loans | 1.1486% | 2,129 |
| Credit loss provision to net charge-offs | 74.3741% | 6,412 |
| Earnings coverage of net charge-offs (x) | 3.2916% | 3,420 |
| Efficiency ratio | 64.9804% | 5,586 |
| Assets per employee ($millions) | 3.9356% | 3,943 |
| Cash dividends to net income (ytd only)* | 67.9836% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 4,107 |
| Loan loss allowance to noncurrent loans | 114.4772% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 6,137 |
| Noncurrent loans to loans | 1.2433% | 4,870 |
| Net loans and leases to total assets | 41.7463% | 7,260 |
| Net loans and leases to deposits | 50.6916% | 7,218 |
| Net loans and leases to core deposits | 56.9515% | 7,370 |
| Total domestic deposits to total assets | 82.3534% | 4,793 |
| Equity capital to assets | 15.2631% | 852 |
| Core capital (leverage) ratio | 14.3282% | 920 |
| Tier 1 risk-based capital ratio | 24.7368% | 877 |
| Total risk-based capital ratio | 25.7858% | 871 |
| Memoranda: | ||
| Average total assets | $138,617,000 | 4,151 |
| Average earning assets | $128,670,600 | 4,114 |
| Average equity | $20,548,000 | 3,133 |
| Average total loans | $59,115,000 | 5,296 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5798% | 3,974 |
| Cost of funding earning assets | 1.1207% | 7,131 |
| Net interest margin | 4.4590% | 1,298 |
| Noninterest income to average assets | 0.5020% | 4,465 |
| Noninterest expense to average assets | 3.0235% | 3,956 |
| Loan and lease loss provision to assets | 0.1306% | 6,050 |
| Net operating income to assets | 1.4177% | 984 |
| Return on assets (ROA) | 1.4876% | 892 |
| Pretax return on assets | 1.5620% | 1,258 |
| Return on Equity (ROE) | 10.1122% | 1,876 |
| Retained earnings to average equity (ytd only) | 1.4004% | 4,535 |
| Net charge-offs to loans | 0.7448% | 2,502 |
| Credit loss provision to net charge-offs | 41.0334% | 6,411 |
| Earnings coverage of net charge-offs (x) | 5.0881% | 2,927 |
| Efficiency ratio | 65.1042% | 5,530 |
| Assets per employee ($millions) | 3.5779% | 4,737 |
| Cash dividends to net income (ytd only)* | 86.1505% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 3,751 |
| Loan loss allowance to noncurrent loans | 76.0949% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 5,486 |
| Noncurrent loans to loans | 1.8891% | 3,784 |
| Net loans and leases to total assets | 42.0581% | 7,358 |
| Net loans and leases to deposits | 51.1343% | 7,354 |
| Net loans and leases to core deposits | 57.7542% | 7,476 |
| Total domestic deposits to total assets | 82.2502% | 4,569 |
| Equity capital to assets | 15.8596% | 812 |
| Core capital (leverage) ratio | 14.6412% | 926 |
| Tier 1 risk-based capital ratio | 25.3959% | 861 |
| Total risk-based capital ratio | 26.4695% | 850 |
| Memoranda: | ||
| Average total assets | $137,850,750 | 4,192 |
| Average earning assets | $128,006,500 | 4,150 |
| Average equity | $20,278,750 | 3,197 |
| Average total loans | $58,893,500 | 5,343 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5290% | 4,451 |
| Cost of funding earning assets | 1.1624% | 7,210 |
| Net interest margin | 4.3666% | 1,479 |
| Noninterest income to average assets | 0.5098% | 4,365 |
| Noninterest expense to average assets | 2.9607% | 4,249 |
| Loan and lease loss provision to assets | 0.1083% | 6,073 |
| Net operating income to assets | 1.4284% | 963 |
| Return on assets (ROA) | 1.4284% | 1,027 |
| Pretax return on assets | 1.4991% | 1,444 |
| Return on Equity (ROE) | 9.9644% | 2,032 |
| Retained earnings to average equity (ytd only) | -1.9244% | 5,720 |
| Net charge-offs to loans | 0.3379% | 3,489 |
| Credit loss provision to net charge-offs | 75.0000% | 5,318 |
| Earnings coverage of net charge-offs (x) | 11.1300% | 1,935 |
| Efficiency ratio | 64.7803% | 5,761 |
| Assets per employee ($millions) | 3.4887% | 4,841 |
| Cash dividends to net income (ytd only)* | 119.3124% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7622% | 2,146 |
| Loan loss allowance to noncurrent loans | 175.6567% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 6,417 |
| Noncurrent loans to loans | 1.0032% | 5,199 |
| Net loans and leases to total assets | 41.0951% | 7,499 |
| Net loans and leases to deposits | 49.0095% | 7,523 |
| Net loans and leases to core deposits | 55.2281% | 7,624 |
| Total domestic deposits to total assets | 83.8512% | 3,842 |
| Equity capital to assets | 14.9052% | 1,052 |
| Core capital (leverage) ratio | 13.8757% | 1,170 |
| Tier 1 risk-based capital ratio | 25.2403% | 922 |
| Total risk-based capital ratio | 26.4904% | 901 |
| Memoranda: | ||
| Average total assets | $138,480,330 | 4,205 |
| Average earning assets | $128,704,000 | 4,169 |
| Average equity | $19,850,670 | 3,267 |
| Average total loans | $59,185,670 | 5,371 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4126% | 5,358 |
| Cost of funding earning assets | 1.2035% | 7,291 |
| Net interest margin | 4.2091% | 1,865 |
| Noninterest income to average assets | 0.5555% | 3,873 |
| Noninterest expense to average assets | 2.9322% | 4,044 |
| Loan and lease loss provision to assets | 0.0859% | 5,858 |
| Net operating income to assets | 1.3745% | 1,195 |
| Return on assets (ROA) | 1.3745% | 1,287 |
| Pretax return on assets | 1.4432% | 1,834 |
| Return on Equity (ROE) | 9.7780% | 2,415 |
| Retained earnings to average equity (ytd only) | -8.3520% | 6,946 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6611% | 5,393 |
| Assets per employee ($millions) | 3.5544% | 4,688 |
| Cash dividends to net income (ytd only)* | 185.4167% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8154% | 1,815 |
| Loan loss allowance to noncurrent loans | 79.7888% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.9326% | 4,857 |
| Noncurrent loans to loans | 2.2752% | 2,893 |
| Net loans and leases to total assets | 40.2470% | 7,553 |
| Net loans and leases to deposits | 47.7085% | 7,589 |
| Net loans and leases to core deposits | 53.6118% | 7,688 |
| Total domestic deposits to total assets | 84.3603% | 3,528 |
| Equity capital to assets | 13.8257% | 1,416 |
| Core capital (leverage) ratio | 13.7537% | 1,247 |
| Tier 1 risk-based capital ratio | 24.3180% | 1,043 |
| Total risk-based capital ratio | 25.5693% | 1,022 |
| Memoranda: | ||
| Average total assets | $139,690,500 | 4,193 |
| Average earning assets | $129,623,000 | 4,164 |
| Average equity | $19,636,000 | 3,315 |
| Average total loans | $60,320,000 | 5,349 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8640% | 6,213 |
| Cost of funding earning assets | 1.5847% | 7,481 |
| Net interest margin | 4.2793% | 2,048 |
| Noninterest income to average assets | 0.5161% | 4,500 |
| Noninterest expense to average assets | 3.0454% | 3,918 |
| Loan and lease loss provision to assets | 0.0790% | 6,411 |
| Net operating income to assets | 1.2868% | 1,522 |
| Return on assets (ROA) | 1.3192% | 1,383 |
| Pretax return on assets | 1.3795% | 2,031 |
| Return on Equity (ROE) | 8.9546% | 2,657 |
| Retained earnings to average equity (ytd only) | 1.6565% | 4,220 |
| Net charge-offs to loans | -0.0016% | 7,735 |
| Credit loss provision to net charge-offs | -11,000.0000% | 7,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1118% | 4,706 |
| Assets per employee ($millions) | 3.4301% | 4,854 |
| Cash dividends to net income (ytd only)* | 81.5016% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6485% | 2,074 |
| Loan loss allowance to noncurrent loans | 79.9378% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 0.9373% | 4,483 |
| Noncurrent loans to loans | 2.0622% | 2,676 |
| Net loans and leases to total assets | 44.7013% | 7,424 |
| Net loans and leases to deposits | 53.2299% | 7,474 |
| Net loans and leases to core deposits | 59.1072% | 7,619 |
| Total domestic deposits to total assets | 83.9779% | 3,333 |
| Equity capital to assets | 14.2962% | 1,351 |
| Core capital (leverage) ratio | 14.3896% | 1,166 |
| Tier 1 risk-based capital ratio | 24.3113% | 1,049 |
| Total risk-based capital ratio | 25.5622% | 1,029 |
| Memoranda: | ||
| Average total assets | $139,323,600 | 4,094 |
| Average earning assets | $128,734,600 | 4,065 |
| Average equity | $20,525,800 | 3,154 |
| Average total loans | $63,708,000 | 5,112 |