Home > Sterling Bank > Performance and Condition Ratios
Sterling 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 | 4.0084% | 6,646 |
| Cost of funding earning assets | 0.5238% | 6,767 |
| Net interest margin | 3.4845% | 5,227 |
| Noninterest income to average assets | 0.4948% | 3,909 |
| Noninterest expense to average assets | 3.2579% | 2,711 |
| Loan and lease loss provision to assets | 0.7845% | 1,181 |
| Net operating income to assets | -0.3173% | 6,565 |
| Return on assets (ROA) | -0.3640% | 6,617 |
| Pretax return on assets | -0.4785% | 6,644 |
| Return on Equity (ROE) | -2.8058% | 6,578 |
| Retained earnings to average equity (ytd only) | -2.8058% | 6,354 |
| Net charge-offs to loans | 1.4784% | 1,008 |
| Credit loss provision to net charge-offs | 104.4987% | 2,958 |
| Earnings coverage of net charge-offs (x) | 0.4895% | 4,941 |
| Efficiency ratio | 78.9633% | 2,563 |
| Assets per employee ($millions) | 5.6459% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2357% | 732 |
| Loan loss allowance to noncurrent loans | 49.6085% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 4.0206% | 1,587 |
| Noncurrent loans to loans | 6.5225% | 851 |
| Net loans and leases to total assets | 46.1112% | 6,257 |
| Net loans and leases to deposits | 56.0648% | 6,133 |
| Net loans and leases to core deposits | 61.8411% | 5,913 |
| Total domestic deposits to total assets | 82.2462% | 5,080 |
| Equity capital to assets | 13.0865% | 1,481 |
| Core capital (leverage) ratio | 9.3254% | 4,215 |
| Tier 1 risk-based capital ratio | 15.2148% | 3,388 |
| Total risk-based capital ratio | 17.6781% | 2,739 |
| Memoranda: | ||
| Average total assets | $5,098,976,670 | 168 |
| Average earning assets | $4,581,088,000 | 166 |
| Average equity | $661,490,330 | 160 |
| Average total loans | $2,589,115,330 | 198 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0508% | 6,600 |
| Cost of funding earning assets | 0.5332% | 6,850 |
| Net interest margin | 3.5176% | 4,928 |
| Noninterest income to average assets | 0.7329% | 2,373 |
| Noninterest expense to average assets | 2.9826% | 3,716 |
| Loan and lease loss provision to assets | 0.8439% | 981 |
| Net operating income to assets | 0.1424% | 5,965 |
| Return on assets (ROA) | 0.1089% | 6,126 |
| Pretax return on assets | 0.0297% | 6,304 |
| Return on Equity (ROE) | 0.8433% | 6,181 |
| Retained earnings to average equity (ytd only) | 0.8433% | 5,492 |
| Net charge-offs to loans | 1.8528% | 696 |
| Credit loss provision to net charge-offs | 87.0547% | 2,993 |
| Earnings coverage of net charge-offs (x) | 0.9358% | 3,952 |
| Efficiency ratio | 75.6227% | 3,220 |
| Assets per employee ($millions) | 5.3811% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9033% | 1,004 |
| Loan loss allowance to noncurrent loans | 54.6860% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 3.7236% | 1,814 |
| Noncurrent loans to loans | 5.3091% | 1,243 |
| Net loans and leases to total assets | 50.0468% | 5,843 |
| Net loans and leases to deposits | 60.8213% | 5,637 |
| Net loans and leases to core deposits | 67.7272% | 5,327 |
| Total domestic deposits to total assets | 82.2850% | 5,194 |
| Equity capital to assets | 13.1293% | 1,325 |
| Core capital (leverage) ratio | 9.2482% | 4,215 |
| Tier 1 risk-based capital ratio | 14.1428% | 3,976 |
| Total risk-based capital ratio | 16.8622% | 3,058 |
| Memoranda: | ||
| Average total assets | $5,119,089,000 | 168 |
| Average earning assets | $4,594,207,500 | 164 |
| Average equity | $661,228,000 | 160 |
| Average total loans | $2,678,347,500 | 192 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5239% | 6,329 |
| Cost of funding earning assets | 0.7258% | 6,802 |
| Net interest margin | 3.7981% | 3,954 |
| Noninterest income to average assets | 0.6456% | 3,182 |
| Noninterest expense to average assets | 3.0476% | 3,666 |
| Loan and lease loss provision to assets | 0.9274% | 1,757 |
| Net operating income to assets | 0.0956% | 5,601 |
| Return on assets (ROA) | 0.0945% | 5,742 |
| Pretax return on assets | 0.0812% | 5,739 |
| Return on Equity (ROE) | 0.7483% | 5,768 |
| Retained earnings to average equity (ytd only) | 0.7483% | 5,181 |
| Net charge-offs to loans | 1.4843% | 1,480 |
| Credit loss provision to net charge-offs | 105.4158% | 4,255 |
| Earnings coverage of net charge-offs (x) | 1.1477% | 4,961 |
| Efficiency ratio | 74.0665% | 3,386 |
| Assets per employee ($millions) | 5.4870% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8000% | 1,052 |
| Loan loss allowance to noncurrent loans | 57.6665% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 3.2912% | 2,145 |
| Noncurrent loans to loans | 4.8555% | 1,415 |
| Net loans and leases to total assets | 51.5907% | 5,973 |
| Net loans and leases to deposits | 62.3219% | 5,817 |
| Net loans and leases to core deposits | 69.3801% | 5,504 |
| Total domestic deposits to total assets | 82.7810% | 4,891 |
| Equity capital to assets | 12.7103% | 1,523 |
| Core capital (leverage) ratio | 9.5043% | 3,703 |
| Tier 1 risk-based capital ratio | 14.2113% | 3,731 |
| Total risk-based capital ratio | 16.8782% | 2,897 |
| Memoranda: | ||
| Average total assets | $5,056,205,800 | 169 |
| Average earning assets | $4,541,726,000 | 164 |
| Average equity | $638,367,800 | 162 |
| Average total loans | $2,996,672,200 | 179 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6670% | 6,133 |
| Cost of funding earning assets | 0.7664% | 6,855 |
| Net interest margin | 3.9007% | 3,517 |
| Noninterest income to average assets | 0.6600% | 3,073 |
| Noninterest expense to average assets | 3.0721% | 3,465 |
| Loan and lease loss provision to assets | 1.0841% | 1,344 |
| Net operating income to assets | 0.0382% | 5,907 |
| Return on assets (ROA) | 0.0403% | 6,041 |
| Pretax return on assets | 0.0076% | 6,075 |
| Return on Equity (ROE) | 0.3197% | 6,050 |
| Retained earnings to average equity (ytd only) | 0.3197% | 5,661 |
| Net charge-offs to loans | 1.5185% | 1,322 |
| Credit loss provision to net charge-offs | 117.2957% | 3,538 |
| Earnings coverage of net charge-offs (x) | 1.1789% | 4,885 |
| Efficiency ratio | 72.7828% | 3,559 |
| Assets per employee ($millions) | 5.1087% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8137% | 992 |
| Loan loss allowance to noncurrent loans | 49.0268% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 3.5593% | 2,000 |
| Noncurrent loans to loans | 5.7390% | 1,130 |
| Net loans and leases to total assets | 55.3750% | 5,639 |
| Net loans and leases to deposits | 67.2913% | 5,513 |
| Net loans and leases to core deposits | 76.9768% | 4,924 |
| Total domestic deposits to total assets | 80.9639% | 5,381 |
| Equity capital to assets | 13.1657% | 1,504 |
| Core capital (leverage) ratio | 9.6309% | 3,711 |
| Tier 1 risk-based capital ratio | 13.9235% | 3,898 |
| Total risk-based capital ratio | 16.5810% | 3,048 |
| Memoranda: | ||
| Average total assets | $5,022,592,000 | 168 |
| Average earning assets | $4,508,867,250 | 164 |
| Average equity | $633,022,250 | 160 |
| Average total loans | $3,057,080,250 | 177 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7450% | 5,995 |
| Cost of funding earning assets | 0.7968% | 6,924 |
| Net interest margin | 3.9482% | 3,243 |
| Noninterest income to average assets | 0.5831% | 3,460 |
| Noninterest expense to average assets | 3.0612% | 3,465 |
| Loan and lease loss provision to assets | 1.3401% | 1,011 |
| Net operating income to assets | -0.1477% | 6,289 |
| Return on assets (ROA) | -0.1467% | 6,352 |
| Pretax return on assets | -0.2794% | 6,404 |
| Return on Equity (ROE) | -1.1818% | 6,342 |
| Retained earnings to average equity (ytd only) | -1.1818% | 6,010 |
| Net charge-offs to loans | 1.7549% | 1,067 |
| Credit loss provision to net charge-offs | 122.8380% | 3,293 |
| Earnings coverage of net charge-offs (x) | 0.9709% | 4,810 |
| Efficiency ratio | 73.2433% | 3,613 |
| Assets per employee ($millions) | 5.1209% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7004% | 1,091 |
| Loan loss allowance to noncurrent loans | 48.6092% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 3.6405% | 1,927 |
| Noncurrent loans to loans | 5.5554% | 1,184 |
| Net loans and leases to total assets | 57.4974% | 5,489 |
| Net loans and leases to deposits | 69.5229% | 5,345 |
| Net loans and leases to core deposits | 80.4052% | 4,647 |
| Total domestic deposits to total assets | 81.6216% | 5,143 |
| Equity capital to assets | 12.9831% | 1,579 |
| Core capital (leverage) ratio | 9.3938% | 3,969 |
| Tier 1 risk-based capital ratio | 13.1513% | 4,323 |
| Total risk-based capital ratio | 15.7421% | 3,415 |
| Memoranda: | ||
| Average total assets | $5,017,739,670 | 169 |
| Average earning assets | $4,495,506,670 | 165 |
| Average equity | $622,971,000 | 164 |
| Average total loans | $3,119,415,330 | 174 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8261% | 5,782 |
| Cost of funding earning assets | 0.7882% | 7,123 |
| Net interest margin | 4.0379% | 2,708 |
| Noninterest income to average assets | 0.5623% | 3,545 |
| Noninterest expense to average assets | 3.1092% | 3,226 |
| Loan and lease loss provision to assets | 1.8389% | 613 |
| Net operating income to assets | -0.4179% | 6,777 |
| Return on assets (ROA) | -0.4169% | 6,809 |
| Pretax return on assets | -0.7745% | 6,935 |
| Return on Equity (ROE) | -3.4379% | 6,773 |
| Retained earnings to average equity (ytd only) | -3.4379% | 6,418 |
| Net charge-offs to loans | 2.6445% | 614 |
| Credit loss provision to net charge-offs | 109.1047% | 3,152 |
| Earnings coverage of net charge-offs (x) | 0.6306% | 4,463 |
| Efficiency ratio | 73.4708% | 3,672 |
| Assets per employee ($millions) | 5.0214% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4611% | 1,346 |
| Loan loss allowance to noncurrent loans | 56.2688% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 3.0447% | 2,347 |
| Noncurrent loans to loans | 4.3738% | 1,727 |
| Net loans and leases to total assets | 60.2540% | 5,081 |
| Net loans and leases to deposits | 71.9187% | 5,063 |
| Net loans and leases to core deposits | 85.0003% | 4,053 |
| Total domestic deposits to total assets | 81.1872% | 5,389 |
| Equity capital to assets | 11.9479% | 2,067 |
| Core capital (leverage) ratio | 8.5872% | 5,227 |
| Tier 1 risk-based capital ratio | 11.3687% | 5,797 |
| Total risk-based capital ratio | 14.2141% | 4,339 |
| Memoranda: | ||
| Average total assets | $4,989,195,000 | 172 |
| Average earning assets | $4,460,173,000 | 169 |
| Average equity | $605,020,500 | 163 |
| Average total loans | $3,179,683,500 | 174 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4085% | 4,660 |
| Cost of funding earning assets | 1.0145% | 7,183 |
| Net interest margin | 4.3940% | 1,449 |
| Noninterest income to average assets | 0.7019% | 2,959 |
| Noninterest expense to average assets | 3.2098% | 3,343 |
| Loan and lease loss provision to assets | 1.7382% | 1,310 |
| Net operating income to assets | -0.1527% | 5,768 |
| Return on assets (ROA) | -0.1759% | 5,808 |
| Pretax return on assets | -0.3361% | 5,861 |
| Return on Equity (ROE) | -1.3269% | 5,742 |
| Retained earnings to average equity (ytd only) | -4.5738% | 5,968 |
| Net charge-offs to loans | 1.7239% | 1,455 |
| Credit loss provision to net charge-offs | 141.9774% | 3,405 |
| Earnings coverage of net charge-offs (x) | 1.1749% | 4,951 |
| Efficiency ratio | 68.0817% | 4,989 |
| Assets per employee ($millions) | 4.8784% | 2,364 |
| Cash dividends to net income (ytd only)* | -244.7023% | 7,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3030% | 1,475 |
| Loan loss allowance to noncurrent loans | 72.8347% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 2.4178% | 2,878 |
| Noncurrent loans to loans | 3.1619% | 2,421 |
| Net loans and leases to total assets | 64.2161% | 4,556 |
| Net loans and leases to deposits | 77.1008% | 4,542 |
| Net loans and leases to core deposits | 92.3330% | 4,842 |
| Total domestic deposits to total assets | 82.4249% | 4,764 |
| Equity capital to assets | 12.3091% | 1,849 |
| Core capital (leverage) ratio | 8.6179% | 5,068 |
| Tier 1 risk-based capital ratio | 11.2572% | 5,654 |
| Total risk-based capital ratio | 14.0616% | 4,226 |
| Memoranda: | ||
| Average total assets | $4,972,615,200 | 173 |
| Average earning assets | $4,465,954,800 | 170 |
| Average equity | $659,367,800 | 149 |
| Average total loans | $3,531,439,800 | 161 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4686% | 4,582 |
| Cost of funding earning assets | 1.0543% | 7,279 |
| Net interest margin | 4.4143% | 1,409 |
| Noninterest income to average assets | 0.7672% | 2,614 |
| Noninterest expense to average assets | 3.2677% | 3,041 |
| Loan and lease loss provision to assets | 2.0190% | 895 |
| Net operating income to assets | -0.3145% | 6,221 |
| Return on assets (ROA) | -0.3142% | 6,230 |
| Pretax return on assets | -0.5467% | 6,350 |
| Return on Equity (ROE) | -2.3285% | 6,143 |
| Retained earnings to average equity (ytd only) | -6.1778% | 6,406 |
| Net charge-offs to loans | 2.0187% | 970 |
| Credit loss provision to net charge-offs | 138.2798% | 3,580 |
| Earnings coverage of net charge-offs (x) | 1.0081% | 5,041 |
| Efficiency ratio | 67.9881% | 4,980 |
| Assets per employee ($millions) | 4.7950% | 2,403 |
| Cash dividends to net income (ytd only)* | -165.3096% | 8,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0909% | 1,615 |
| Loan loss allowance to noncurrent loans | 73.2314% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 2.2099% | 3,084 |
| Noncurrent loans to loans | 2.8552% | 2,660 |
| Net loans and leases to total assets | 67.5399% | 4,058 |
| Net loans and leases to deposits | 81.5400% | 4,109 |
| Net loans and leases to core deposits | 98.8667% | 4,504 |
| Total domestic deposits to total assets | 82.0452% | 4,657 |
| Equity capital to assets | 12.5826% | 1,891 |
| Core capital (leverage) ratio | 8.5765% | 5,335 |
| Tier 1 risk-based capital ratio | 10.8211% | 6,131 |
| Total risk-based capital ratio | 13.5731% | 4,630 |
| Memoranda: | ||
| Average total assets | $4,981,531,500 | 177 |
| Average earning assets | $4,482,813,750 | 176 |
| Average equity | $672,285,750 | 149 |
| Average total loans | $3,603,037,000 | 166 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4929% | 4,674 |
| Cost of funding earning assets | 1.0837% | 7,406 |
| Net interest margin | 4.4092% | 1,394 |
| Noninterest income to average assets | 0.8441% | 2,197 |
| Noninterest expense to average assets | 3.2719% | 3,074 |
| Loan and lease loss provision to assets | 0.8382% | 1,999 |
| Net operating income to assets | 0.4816% | 4,169 |
| Return on assets (ROA) | 0.4820% | 4,278 |
| Pretax return on assets | 0.6955% | 4,014 |
| Return on Equity (ROE) | 3.4953% | 4,713 |
| Retained earnings to average equity (ytd only) | -0.3762% | 5,315 |
| Net charge-offs to loans | 0.9305% | 1,855 |
| Credit loss provision to net charge-offs | 122.7236% | 3,791 |
| Earnings coverage of net charge-offs (x) | 2.2447% | 3,946 |
| Efficiency ratio | 67.1564% | 5,326 |
| Assets per employee ($millions) | 4.7314% | 2,424 |
| Cash dividends to net income (ytd only)* | 110.7641% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 3,201 |
| Loan loss allowance to noncurrent loans | 45.6830% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 2.5304% | 2,545 |
| Noncurrent loans to loans | 3.2830% | 2,156 |
| Net loans and leases to total assets | 70.9760% | 3,472 |
| Net loans and leases to deposits | 87.7402% | 3,208 |
| Net loans and leases to core deposits | 108.3553% | 3,571 |
| Total domestic deposits to total assets | 80.2054% | 5,392 |
| Equity capital to assets | 12.9851% | 1,696 |
| Core capital (leverage) ratio | 9.1617% | 4,362 |
| Tier 1 risk-based capital ratio | 10.9621% | 5,915 |
| Total risk-based capital ratio | 13.6171% | 4,551 |
| Memoranda: | ||
| Average total assets | $5,022,925,000 | 185 |
| Average earning assets | $4,512,297,670 | 183 |
| Average equity | $692,653,330 | 147 |
| Average total loans | $3,687,147,000 | 171 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4821% | 5,005 |
| Cost of funding earning assets | 1.1183% | 7,485 |
| Net interest margin | 4.3638% | 1,433 |
| Noninterest income to average assets | 0.8338% | 2,161 |
| Noninterest expense to average assets | 3.0336% | 3,614 |
| Loan and lease loss provision to assets | 0.7523% | 1,713 |
| Net operating income to assets | 0.6631% | 3,743 |
| Return on assets (ROA) | 0.6639% | 3,915 |
| Pretax return on assets | 0.9674% | 3,477 |
| Return on Equity (ROE) | 4.6826% | 4,620 |
| Retained earnings to average equity (ytd only) | 0.5166% | 5,450 |
| Net charge-offs to loans | 0.2155% | 3,352 |
| Credit loss provision to net charge-offs | 471.4709% | 1,130 |
| Earnings coverage of net charge-offs (x) | 10.7700% | 1,925 |
| Efficiency ratio | 62.9000% | 5,890 |
| Assets per employee ($millions) | 4.5160% | 2,693 |
| Cash dividends to net income (ytd only)* | 88.9680% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 2,862 |
| Loan loss allowance to noncurrent loans | 51.5885% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 2.3258% | 2,470 |
| Noncurrent loans to loans | 2.9477% | 2,215 |
| Net loans and leases to total assets | 72.3425% | 3,161 |
| Net loans and leases to deposits | 93.0657% | 2,425 |
| Net loans and leases to core deposits | 115.8226% | 2,818 |
| Total domestic deposits to total assets | 77.0425% | 6,267 |
| Equity capital to assets | 14.2075% | 1,304 |
| Core capital (leverage) ratio | 10.4747% | 2,960 |
| Tier 1 risk-based capital ratio | 12.3363% | 4,671 |
| Total risk-based capital ratio | 15.2215% | 3,527 |
| Memoranda: | ||
| Average total assets | $5,078,776,500 | 185 |
| Average earning assets | $4,560,217,000 | 185 |
| Average equity | $720,117,500 | 144 |
| Average total loans | $3,761,288,500 | 168 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3582% | 3,653 |
| Cost of funding earning assets | 1.6365% | 7,373 |
| Net interest margin | 4.7217% | 931 |
| Noninterest income to average assets | 0.8274% | 2,368 |
| Noninterest expense to average assets | 3.1517% | 3,506 |
| Loan and lease loss provision to assets | 0.6025% | 2,417 |
| Net operating income to assets | 0.8841% | 3,072 |
| Return on assets (ROA) | 0.8909% | 2,879 |
| Pretax return on assets | 1.2998% | 2,312 |
| Return on Equity (ROE) | 7.2093% | 3,431 |
| Retained earnings to average equity (ytd only) | 4.5369% | 2,297 |
| Net charge-offs to loans | 0.3981% | 2,823 |
| Credit loss provision to net charge-offs | 201.8812% | 2,404 |
| Earnings coverage of net charge-offs (x) | 6.3412% | 3,378 |
| Efficiency ratio | 61.5292% | 6,043 |
| Assets per employee ($millions) | 4.5534% | 2,532 |
| Cash dividends to net income (ytd only)* | 37.0688% | 3,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 3,809 |
| Loan loss allowance to noncurrent loans | 51.2586% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 1.9987% | 2,467 |
| Noncurrent loans to loans | 2.5288% | 2,149 |
| Net loans and leases to total assets | 73.6899% | 3,185 |
| Net loans and leases to deposits | 97.8060% | 2,156 |
| Net loans and leases to core deposits | 122.8305% | 2,411 |
| Total domestic deposits to total assets | 74.3029% | 6,601 |
| Equity capital to assets | 14.1504% | 1,388 |
| Core capital (leverage) ratio | 10.4892% | 2,984 |
| Tier 1 risk-based capital ratio | 12.0440% | 4,789 |
| Total risk-based capital ratio | 14.8468% | 3,672 |
| Memoranda: | ||
| Average total assets | $4,844,908,200 | 186 |
| Average earning assets | $4,326,726,000 | 185 |
| Average equity | $598,710,400 | 168 |
| Average total loans | $3,632,310,000 | 176 |