Home > Summit Bank > Performance and Condition Ratios
Summit 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 | 5.1075% | 2,644 |
| Cost of funding earning assets | 0.8623% | 4,970 |
| Net interest margin | 4.2453% | 1,861 |
| Noninterest income to average assets | 0.5073% | 3,803 |
| Noninterest expense to average assets | 4.6935% | 486 |
| Loan and lease loss provision to assets | 2.8102% | 168 |
| Net operating income to assets | -3.2432% | 7,336 |
| Return on assets (ROA) | -3.2432% | 7,342 |
| Pretax return on assets | -3.2432% | 7,334 |
| Return on Equity (ROE) | -133.3697% | 7,462 |
| Retained earnings to average equity (ytd only) | -133.3697% | 7,462 |
| Net charge-offs to loans | 3.8235% | 219 |
| Credit loss provision to net charge-offs | 91.9201% | 3,404 |
| Earnings coverage of net charge-offs (x) | -0.1416% | 5,373 |
| Efficiency ratio | 110.1621% | 473 |
| Assets per employee ($millions) | 4.2980% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9763% | 96 |
| Loan loss allowance to noncurrent loans | 56.7514% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 12.4490% | 235 |
| Noncurrent loans to loans | 10.5306% | 349 |
| Net loans and leases to total assets | 73.5759% | 1,489 |
| Net loans and leases to deposits | 79.6772% | 2,851 |
| Net loans and leases to core deposits | 80.3020% | 3,747 |
| Total domestic deposits to total assets | 92.3425% | 178 |
| Equity capital to assets | 1.9640% | 7,476 |
| Core capital (leverage) ratio | 1.9751% | 7,475 |
| Tier 1 risk-based capital ratio | 2.4796% | 7,479 |
| Total risk-based capital ratio | 3.7878% | 7,479 |
| Memoranda: | ||
| Average total assets | $75,296,000 | 5,680 |
| Average earning assets | $66,568,330 | 5,736 |
| Average equity | $1,831,000 | 7,378 |
| Average total loans | $60,207,330 | 4,947 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1363% | 2,489 |
| Cost of funding earning assets | 0.8698% | 5,137 |
| Net interest margin | 4.2665% | 1,678 |
| Noninterest income to average assets | 0.5863% | 3,263 |
| Noninterest expense to average assets | 4.8161% | 429 |
| Loan and lease loss provision to assets | 5.5385% | 51 |
| Net operating income to assets | -5.9677% | 7,506 |
| Return on assets (ROA) | -5.9677% | 7,507 |
| Pretax return on assets | -5.9677% | 7,502 |
| Return on Equity (ROE) | -224.7413% | 7,544 |
| Retained earnings to average equity (ytd only) | -224.7413% | 7,542 |
| Net charge-offs to loans | 7.4591% | 67 |
| Credit loss provision to net charge-offs | 91.9201% | 2,906 |
| Earnings coverage of net charge-offs (x) | -0.0712% | 4,631 |
| Efficiency ratio | 109.7852% | 511 |
| Assets per employee ($millions) | 4.2349% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7459% | 118 |
| Loan loss allowance to noncurrent loans | 71.1875% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 11.5025% | 300 |
| Noncurrent loans to loans | 8.0716% | 613 |
| Net loans and leases to total assets | 77.8562% | 748 |
| Net loans and leases to deposits | 84.4561% | 1,959 |
| Net loans and leases to core deposits | 85.4423% | 2,963 |
| Total domestic deposits to total assets | 92.1854% | 248 |
| Equity capital to assets | 2.0502% | 7,532 |
| Core capital (leverage) ratio | 1.9291% | 7,537 |
| Tier 1 risk-based capital ratio | 2.5152% | 7,538 |
| Total risk-based capital ratio | 3.8199% | 7,539 |
| Memoranda: | ||
| Average total assets | $76,411,000 | 5,688 |
| Average earning assets | $68,064,500 | 5,731 |
| Average equity | $2,029,000 | 7,390 |
| Average total loans | $61,723,000 | 4,916 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2690% | 3,276 |
| Cost of funding earning assets | 1.1109% | 5,079 |
| Net interest margin | 4.1581% | 2,330 |
| Noninterest income to average assets | 0.4607% | 4,437 |
| Noninterest expense to average assets | 4.8775% | 465 |
| Loan and lease loss provision to assets | 3.1355% | 289 |
| Net operating income to assets | -3.8017% | 7,415 |
| Return on assets (ROA) | -3.7404% | 7,424 |
| Pretax return on assets | -3.7404% | 7,402 |
| Return on Equity (ROE) | -70.5298% | 7,520 |
| Retained earnings to average equity (ytd only) | -70.5298% | 7,519 |
| Net charge-offs to loans | 2.6302% | 693 |
| Credit loss provision to net charge-offs | 151.6465% | 2,372 |
| Earnings coverage of net charge-offs (x) | -0.3222% | 6,372 |
| Efficiency ratio | 115.8178% | 454 |
| Assets per employee ($millions) | 4.4905% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4863% | 144 |
| Loan loss allowance to noncurrent loans | 87.8378% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 9.2318% | 478 |
| Noncurrent loans to loans | 6.2459% | 982 |
| Net loans and leases to total assets | 74.8098% | 1,514 |
| Net loans and leases to deposits | 79.4607% | 3,262 |
| Net loans and leases to core deposits | 80.2665% | 4,172 |
| Total domestic deposits to total assets | 94.1469% | 81 |
| Equity capital to assets | 3.1944% | 7,551 |
| Core capital (leverage) ratio | 3.0932% | 7,547 |
| Tier 1 risk-based capital ratio | 4.0001% | 7,565 |
| Total risk-based capital ratio | 5.3005% | 7,566 |
| Memoranda: | ||
| Average total assets | $88,118,600 | 5,344 |
| Average earning assets | $79,483,200 | 5,365 |
| Average equity | $4,673,200 | 6,765 |
| Average total loans | $69,271,600 | 4,705 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 3,978 |
| Cost of funding earning assets | 1.1223% | 5,306 |
| Net interest margin | 4.0491% | 2,859 |
| Noninterest income to average assets | 0.4759% | 4,369 |
| Noninterest expense to average assets | 4.7452% | 471 |
| Loan and lease loss provision to assets | 2.7810% | 343 |
| Net operating income to assets | -3.3814% | 7,499 |
| Return on assets (ROA) | -3.3013% | 7,503 |
| Pretax return on assets | -3.3013% | 7,472 |
| Return on Equity (ROE) | -57.1451% | 7,593 |
| Retained earnings to average equity (ytd only) | -57.1451% | 7,591 |
| Net charge-offs to loans | 3.4411% | 403 |
| Credit loss provision to net charge-offs | 102.9638% | 4,172 |
| Earnings coverage of net charge-offs (x) | -0.2223% | 6,188 |
| Efficiency ratio | 114.4850% | 459 |
| Assets per employee ($millions) | 3.7821% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9407% | 388 |
| Loan loss allowance to noncurrent loans | 74.6230% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 8.0781% | 619 |
| Noncurrent loans to loans | 5.2808% | 1,283 |
| Net loans and leases to total assets | 73.5032% | 1,913 |
| Net loans and leases to deposits | 78.7717% | 3,677 |
| Net loans and leases to core deposits | 79.8170% | 4,545 |
| Total domestic deposits to total assets | 93.3117% | 87 |
| Equity capital to assets | 4.2052% | 7,629 |
| Core capital (leverage) ratio | 4.1050% | 7,615 |
| Tier 1 risk-based capital ratio | 5.2801% | 7,627 |
| Total risk-based capital ratio | 6.5599% | 7,629 |
| Memoranda: | ||
| Average total assets | $89,941,000 | 5,360 |
| Average earning assets | $81,496,750 | 5,357 |
| Average equity | $5,196,000 | 6,674 |
| Average total loans | $70,595,000 | 4,731 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2372% | 3,779 |
| Cost of funding earning assets | 1.1441% | 5,443 |
| Net interest margin | 4.0931% | 2,590 |
| Noninterest income to average assets | 0.5279% | 3,892 |
| Noninterest expense to average assets | 4.0693% | 963 |
| Loan and lease loss provision to assets | 1.4429% | 928 |
| Net operating income to assets | -1.2780% | 7,062 |
| Return on assets (ROA) | -1.2780% | 7,076 |
| Pretax return on assets | -1.2780% | 7,000 |
| Return on Equity (ROE) | -20.3550% | 7,282 |
| Retained earnings to average equity (ytd only) | -20.3550% | 7,262 |
| Net charge-offs to loans | 0.9286% | 1,981 |
| Credit loss provision to net charge-offs | 196.4072% | 2,009 |
| Earnings coverage of net charge-offs (x) | 0.2246% | 5,499 |
| Efficiency ratio | 96.1039% | 959 |
| Assets per employee ($millions) | 3.8693% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1224% | 334 |
| Loan loss allowance to noncurrent loans | 86.1956% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 6.9036% | 771 |
| Noncurrent loans to loans | 4.7826% | 1,481 |
| Net loans and leases to total assets | 72.4048% | 2,303 |
| Net loans and leases to deposits | 78.7948% | 3,834 |
| Net loans and leases to core deposits | 80.5265% | 4,628 |
| Total domestic deposits to total assets | 91.8903% | 240 |
| Equity capital to assets | 5.7870% | 7,562 |
| Core capital (leverage) ratio | 5.7200% | 7,524 |
| Tier 1 risk-based capital ratio | 7.4446% | 7,563 |
| Total risk-based capital ratio | 8.7285% | 7,570 |
| Memoranda: | ||
| Average total assets | $90,925,330 | 5,358 |
| Average earning assets | $82,333,330 | 5,361 |
| Average equity | $5,708,670 | 6,560 |
| Average total loans | $71,939,330 | 4,717 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3792% | 3,145 |
| Cost of funding earning assets | 1.1926% | 5,446 |
| Net interest margin | 4.1866% | 2,100 |
| Noninterest income to average assets | 0.4002% | 4,916 |
| Noninterest expense to average assets | 4.5578% | 539 |
| Loan and lease loss provision to assets | 0.1112% | 5,509 |
| Net operating income to assets | -0.5069% | 6,835 |
| Return on assets (ROA) | -0.5069% | 6,860 |
| Pretax return on assets | -0.5069% | 6,789 |
| Return on Equity (ROE) | -7.7604% | 7,040 |
| Retained earnings to average equity (ytd only) | -7.7604% | 6,807 |
| Net charge-offs to loans | 0.3240% | 3,116 |
| Credit loss provision to net charge-offs | 42.3729% | 4,601 |
| Earnings coverage of net charge-offs (x) | -1.5085% | 5,434 |
| Efficiency ratio | 109.5085% | 611 |
| Assets per employee ($millions) | 3.8795% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5072% | 545 |
| Loan loss allowance to noncurrent loans | 79.0524% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 7.1883% | 740 |
| Noncurrent loans to loans | 4.4366% | 1,692 |
| Net loans and leases to total assets | 74.9358% | 1,756 |
| Net loans and leases to deposits | 81.9565% | 3,290 |
| Net loans and leases to core deposits | 85.0308% | 4,049 |
| Total domestic deposits to total assets | 91.4337% | 394 |
| Equity capital to assets | 6.2497% | 7,581 |
| Core capital (leverage) ratio | 6.4938% | 7,469 |
| Tier 1 risk-based capital ratio | 7.7197% | 7,640 |
| Total risk-based capital ratio | 8.9959% | 7,646 |
| Memoranda: | ||
| Average total assets | $89,956,000 | 5,455 |
| Average earning assets | $80,829,500 | 5,477 |
| Average equity | $5,876,000 | 6,566 |
| Average total loans | $72,844,500 | 4,751 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4959% | 4,163 |
| Cost of funding earning assets | 1.9500% | 3,211 |
| Net interest margin | 3.5459% | 4,761 |
| Noninterest income to average assets | 0.4218% | 5,040 |
| Noninterest expense to average assets | 3.6407% | 2,056 |
| Loan and lease loss provision to assets | 1.9706% | 1,105 |
| Net operating income to assets | -1.9281% | 7,060 |
| Return on assets (ROA) | -1.9281% | 7,062 |
| Pretax return on assets | -1.9281% | 6,911 |
| Return on Equity (ROE) | -25.7484% | 7,306 |
| Retained earnings to average equity (ytd only) | -25.7484% | 7,284 |
| Net charge-offs to loans | 1.0833% | 2,254 |
| Credit loss provision to net charge-offs | 226.7753% | 1,643 |
| Earnings coverage of net charge-offs (x) | 0.0489% | 6,129 |
| Efficiency ratio | 98.8465% | 1,162 |
| Assets per employee ($millions) | 3.6168% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5023% | 527 |
| Loan loss allowance to noncurrent loans | 78.6414% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 7.6783% | 617 |
| Noncurrent loans to loans | 4.4535% | 1,598 |
| Net loans and leases to total assets | 81.5767% | 755 |
| Net loans and leases to deposits | 87.7340% | 2,604 |
| Net loans and leases to core deposits | 115.7951% | 2,339 |
| Total domestic deposits to total assets | 92.9818% | 129 |
| Equity capital to assets | 6.8350% | 7,451 |
| Core capital (leverage) ratio | 6.0248% | 7,632 |
| Tier 1 risk-based capital ratio | 7.6508% | 7,683 |
| Total risk-based capital ratio | 8.9262% | 7,691 |
| Memoranda: | ||
| Average total assets | $98,854,000 | 5,116 |
| Average earning assets | $90,922,600 | 5,092 |
| Average equity | $7,402,400 | 6,126 |
| Average total loans | $79,294,800 | 4,540 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3725% | 5,078 |
| Cost of funding earning assets | 2.0583% | 3,079 |
| Net interest margin | 3.3142% | 5,588 |
| Noninterest income to average assets | 0.4267% | 5,076 |
| Noninterest expense to average assets | 3.3088% | 2,881 |
| Loan and lease loss provision to assets | 0.4529% | 3,652 |
| Net operating income to assets | -0.2749% | 6,169 |
| Return on assets (ROA) | -0.2749% | 6,177 |
| Pretax return on assets | -0.2749% | 6,073 |
| Return on Equity (ROE) | -3.6036% | 6,305 |
| Retained earnings to average equity (ytd only) | -3.6036% | 6,046 |
| Net charge-offs to loans | 0.4424% | 3,469 |
| Credit loss provision to net charge-offs | 129.1045% | 3,882 |
| Earnings coverage of net charge-offs (x) | 0.5075% | 5,522 |
| Efficiency ratio | 94.8949% | 1,339 |
| Assets per employee ($millions) | 4.2232% | 3,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0052% | 1,787 |
| Loan loss allowance to noncurrent loans | 31.5960% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 6.0580% | 882 |
| Noncurrent loans to loans | 6.3464% | 919 |
| Net loans and leases to total assets | 72.1150% | 3,007 |
| Net loans and leases to deposits | 79.5277% | 4,473 |
| Net loans and leases to core deposits | 108.1151% | 3,457 |
| Total domestic deposits to total assets | 90.6791% | 523 |
| Equity capital to assets | 7.2258% | 7,468 |
| Core capital (leverage) ratio | 7.1205% | 7,348 |
| Tier 1 risk-based capital ratio | 9.5222% | 7,359 |
| Total risk-based capital ratio | 10.7803% | 7,318 |
| Memoranda: | ||
| Average total assets | $101,866,750 | 5,071 |
| Average earning assets | $94,056,500 | 5,035 |
| Average equity | $7,769,750 | 6,058 |
| Average total loans | $80,773,250 | 4,528 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6457% | 3,841 |
| Cost of funding earning assets | 2.2382% | 2,632 |
| Net interest margin | 3.4074% | 5,134 |
| Noninterest income to average assets | 0.4671% | 4,730 |
| Noninterest expense to average assets | 3.3966% | 2,645 |
| Loan and lease loss provision to assets | 0.4472% | 3,299 |
| Net operating income to assets | -0.2663% | 6,281 |
| Return on assets (ROA) | -0.2663% | 6,296 |
| Pretax return on assets | -0.2663% | 6,196 |
| Return on Equity (ROE) | -3.4286% | 6,411 |
| Retained earnings to average equity (ytd only) | -3.4286% | 6,034 |
| Net charge-offs to loans | 0.5697% | 2,625 |
| Credit loss provision to net charge-offs | 96.5665% | 4,724 |
| Earnings coverage of net charge-offs (x) | 0.3906% | 5,296 |
| Efficiency ratio | 94.9444% | 1,445 |
| Assets per employee ($millions) | 4.0188% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 1,902 |
| Loan loss allowance to noncurrent loans | 53.6834% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 4.0263% | 1,464 |
| Noncurrent loans to loans | 3.4521% | 2,037 |
| Net loans and leases to total assets | 74.6105% | 2,540 |
| Net loans and leases to deposits | 82.4928% | 4,140 |
| Net loans and leases to core deposits | 109.8339% | 3,392 |
| Total domestic deposits to total assets | 90.4448% | 651 |
| Equity capital to assets | 7.3731% | 7,369 |
| Core capital (leverage) ratio | 7.6405% | 6,840 |
| Tier 1 risk-based capital ratio | 9.3441% | 7,512 |
| Total risk-based capital ratio | 10.6006% | 7,491 |
| Memoranda: | ||
| Average total assets | $100,629,000 | 5,145 |
| Average earning assets | $91,858,330 | 5,131 |
| Average equity | $7,816,670 | 6,080 |
| Average total loans | $81,798,670 | 4,533 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9275% | 2,659 |
| Cost of funding earning assets | 2.4484% | 2,111 |
| Net interest margin | 3.4791% | 4,806 |
| Noninterest income to average assets | 0.3810% | 5,377 |
| Noninterest expense to average assets | 3.2260% | 2,876 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2877% | 5,344 |
| Return on assets (ROA) | 0.2877% | 5,515 |
| Pretax return on assets | 0.2877% | 5,707 |
| Return on Equity (ROE) | 3.6073% | 5,124 |
| Retained earnings to average equity (ytd only) | 3.6073% | 3,886 |
| Net charge-offs to loans | 0.2217% | 3,311 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.5435% | 3,954 |
| Efficiency ratio | 91.8108% | 1,585 |
| Assets per employee ($millions) | 3.8928% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7438% | 2,000 |
| Loan loss allowance to noncurrent loans | 54.6012% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 3.5380% | 1,513 |
| Noncurrent loans to loans | 3.1937% | 2,026 |
| Net loans and leases to total assets | 79.2736% | 1,528 |
| Net loans and leases to deposits | 90.1002% | 2,913 |
| Net loans and leases to core deposits | 116.7782% | 2,706 |
| Total domestic deposits to total assets | 87.9839% | 1,754 |
| Equity capital to assets | 7.8131% | 7,047 |
| Core capital (leverage) ratio | 7.9866% | 6,474 |
| Tier 1 risk-based capital ratio | 9.3615% | 7,539 |
| Total risk-based capital ratio | 10.6163% | 7,491 |
| Memoranda: | ||
| Average total assets | $98,699,500 | 5,216 |
| Average earning assets | $88,874,000 | 5,261 |
| Average equity | $7,873,000 | 6,101 |
| Average total loans | $82,982,500 | 4,530 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1281% | 867 |
| Cost of funding earning assets | 2.9230% | 2,168 |
| Net interest margin | 4.2051% | 2,295 |
| Noninterest income to average assets | 0.6456% | 3,502 |
| Noninterest expense to average assets | 3.8417% | 1,676 |
| Loan and lease loss provision to assets | 1.9335% | 643 |
| Net operating income to assets | -1.5130% | 7,470 |
| Return on assets (ROA) | -1.5130% | 7,413 |
| Pretax return on assets | -1.2835% | 7,157 |
| Return on Equity (ROE) | -16.7897% | 7,659 |
| Retained earnings to average equity (ytd only) | -16.7897% | 7,561 |
| Net charge-offs to loans | 1.2372% | 976 |
| Credit loss provision to net charge-offs | 172.6471% | 2,962 |
| Earnings coverage of net charge-offs (x) | 0.5804% | 5,874 |
| Efficiency ratio | 85.5292% | 1,902 |
| Assets per employee ($millions) | 3.5624% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7437% | 1,784 |
| Loan loss allowance to noncurrent loans | 62.4204% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 3.4091% | 1,310 |
| Noncurrent loans to loans | 2.7934% | 1,944 |
| Net loans and leases to total assets | 86.1205% | 592 |
| Net loans and leases to deposits | 98.5509% | 2,042 |
| Net loans and leases to core deposits | 120.9429% | 2,607 |
| Total domestic deposits to total assets | 87.3868% | 1,760 |
| Equity capital to assets | 8.1489% | 6,634 |
| Core capital (leverage) ratio | 8.1359% | 6,273 |
| Tier 1 risk-based capital ratio | 8.9993% | 7,780 |
| Total risk-based capital ratio | 10.2542% | 7,779 |
| Memoranda: | ||
| Average total assets | $91,080,000 | 5,317 |
| Average earning assets | $83,304,200 | 5,318 |
| Average equity | $8,207,400 | 5,999 |
| Average total loans | $82,445,600 | 4,438 |