Home > Sunrise Bank > Performance and Condition Ratios
Sunrise 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 | 5.1140% | 2,614 |
| Cost of funding earning assets | 0.3749% | 7,185 |
| Net interest margin | 4.7391% | 672 |
| Noninterest income to average assets | 0.3552% | 5,045 |
| Noninterest expense to average assets | 3.8859% | 1,218 |
| Loan and lease loss provision to assets | 1.5281% | 463 |
| Net operating income to assets | -0.6347% | 6,779 |
| Return on assets (ROA) | -0.6347% | 6,786 |
| Pretax return on assets | -0.6347% | 6,723 |
| Return on Equity (ROE) | -7.4708% | 6,842 |
| Retained earnings to average equity (ytd only) | -7.4708% | 6,741 |
| Net charge-offs to loans | 2.9668% | 350 |
| Credit loss provision to net charge-offs | 66.0023% | 4,177 |
| Earnings coverage of net charge-offs (x) | 0.3859% | 5,015 |
| Efficiency ratio | 81.3081% | 2,203 |
| Assets per employee ($millions) | 3.8843% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0360% | 408 |
| Loan loss allowance to noncurrent loans | 90.2102% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 4.3891% | 1,438 |
| Noncurrent loans to loans | 4.4740% | 1,487 |
| Net loans and leases to total assets | 72.9399% | 1,604 |
| Net loans and leases to deposits | 79.7279% | 2,841 |
| Net loans and leases to core deposits | 82.1624% | 3,475 |
| Total domestic deposits to total assets | 91.4860% | 344 |
| Equity capital to assets | 8.3680% | 6,342 |
| Core capital (leverage) ratio | 7.6329% | 6,640 |
| Tier 1 risk-based capital ratio | 10.1775% | 6,921 |
| Total risk-based capital ratio | 11.4633% | 6,897 |
| Memoranda: | ||
| Average total assets | $229,704,330 | 2,757 |
| Average earning assets | $214,430,330 | 2,708 |
| Average equity | $19,516,000 | 3,198 |
| Average total loans | $179,248,670 | 2,298 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1391% | 2,478 |
| Cost of funding earning assets | 0.3883% | 7,239 |
| Net interest margin | 4.7508% | 636 |
| Noninterest income to average assets | 0.2898% | 5,593 |
| Noninterest expense to average assets | 3.6686% | 1,603 |
| Loan and lease loss provision to assets | 0.0017% | 5,834 |
| Net operating income to assets | 0.9348% | 2,426 |
| Return on assets (ROA) | 0.9348% | 2,489 |
| Pretax return on assets | 1.0504% | 2,944 |
| Return on Equity (ROE) | 10.9230% | 1,766 |
| Retained earnings to average equity (ytd only) | 10.9230% | 913 |
| Net charge-offs to loans | 0.5719% | 2,055 |
| Credit loss provision to net charge-offs | 0.3817% | 4,475 |
| Earnings coverage of net charge-offs (x) | 2.3282% | 3,147 |
| Efficiency ratio | 77.7128% | 2,889 |
| Assets per employee ($millions) | 3.9998% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1308% | 387 |
| Loan loss allowance to noncurrent loans | 109.1618% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 4.5123% | 1,443 |
| Noncurrent loans to loans | 3.7841% | 1,942 |
| Net loans and leases to total assets | 75.5705% | 1,099 |
| Net loans and leases to deposits | 82.8761% | 2,203 |
| Net loans and leases to core deposits | 86.2109% | 2,836 |
| Total domestic deposits to total assets | 91.1850% | 541 |
| Equity capital to assets | 8.6741% | 5,686 |
| Core capital (leverage) ratio | 8.1871% | 5,985 |
| Tier 1 risk-based capital ratio | 10.4215% | 6,852 |
| Total risk-based capital ratio | 11.7085% | 6,816 |
| Memoranda: | ||
| Average total assets | $231,913,000 | 2,759 |
| Average earning assets | $216,302,500 | 2,709 |
| Average equity | $19,848,000 | 3,139 |
| Average total loans | $183,255,500 | 2,270 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3383% | 2,942 |
| Cost of funding earning assets | 0.5704% | 7,180 |
| Net interest margin | 4.7679% | 708 |
| Noninterest income to average assets | -0.3272% | 7,517 |
| Noninterest expense to average assets | 5.8011% | 252 |
| Loan and lease loss provision to assets | 2.2474% | 545 |
| Net operating income to assets | -4.0067% | 7,440 |
| Return on assets (ROA) | -4.0067% | 7,450 |
| Pretax return on assets | -3.9947% | 7,435 |
| Return on Equity (ROE) | -41.6546% | 7,365 |
| Retained earnings to average equity (ytd only) | -41.6546% | 7,358 |
| Net charge-offs to loans | 2.3848% | 799 |
| Credit loss provision to net charge-offs | 122.9369% | 3,389 |
| Earnings coverage of net charge-offs (x) | -0.9558% | 6,591 |
| Efficiency ratio | 97.5763% | 888 |
| Assets per employee ($millions) | 3.9972% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2556% | 321 |
| Loan loss allowance to noncurrent loans | 91.6286% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 5.1808% | 1,215 |
| Noncurrent loans to loans | 4.6444% | 1,505 |
| Net loans and leases to total assets | 75.8407% | 1,308 |
| Net loans and leases to deposits | 83.5135% | 2,530 |
| Net loans and leases to core deposits | 87.9873% | 3,054 |
| Total domestic deposits to total assets | 90.8125% | 685 |
| Equity capital to assets | 8.4426% | 5,933 |
| Core capital (leverage) ratio | 7.0373% | 7,009 |
| Tier 1 risk-based capital ratio | 9.9291% | 7,011 |
| Total risk-based capital ratio | 11.2179% | 6,986 |
| Memoranda: | ||
| Average total assets | $258,518,000 | 2,467 |
| Average earning assets | $237,548,000 | 2,451 |
| Average equity | $24,866,400 | 2,571 |
| Average total loans | $198,168,200 | 2,174 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3663% | 3,047 |
| Cost of funding earning assets | 0.6030% | 7,285 |
| Net interest margin | 4.7633% | 728 |
| Noninterest income to average assets | -0.0684% | 7,513 |
| Noninterest expense to average assets | 3.9689% | 1,081 |
| Loan and lease loss provision to assets | 2.1172% | 539 |
| Net operating income to assets | -1.9528% | 7,228 |
| Return on assets (ROA) | -1.9528% | 7,244 |
| Pretax return on assets | -1.7939% | 7,133 |
| Return on Equity (ROE) | -19.7732% | 7,215 |
| Retained earnings to average equity (ytd only) | -19.7732% | 7,198 |
| Net charge-offs to loans | 2.4116% | 715 |
| Credit loss provision to net charge-offs | 115.3699% | 3,619 |
| Earnings coverage of net charge-offs (x) | 0.1762% | 5,842 |
| Efficiency ratio | 92.4681% | 1,083 |
| Assets per employee ($millions) | 4.4460% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7587% | 445 |
| Loan loss allowance to noncurrent loans | 65.1013% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 5.6329% | 1,086 |
| Noncurrent loans to loans | 5.7736% | 1,122 |
| Net loans and leases to total assets | 71.1788% | 2,443 |
| Net loans and leases to deposits | 80.0278% | 3,446 |
| Net loans and leases to core deposits | 84.3023% | 3,896 |
| Total domestic deposits to total assets | 88.9426% | 1,418 |
| Equity capital to assets | 9.9297% | 4,251 |
| Core capital (leverage) ratio | 7.5881% | 6,778 |
| Tier 1 risk-based capital ratio | 10.2495% | 6,929 |
| Total risk-based capital ratio | 11.5317% | 6,898 |
| Memoranda: | ||
| Average total assets | $265,188,500 | 2,441 |
| Average earning assets | $242,767,750 | 2,437 |
| Average equity | $26,189,750 | 2,482 |
| Average total loans | $201,800,000 | 2,172 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4740% | 2,635 |
| Cost of funding earning assets | 0.6394% | 7,321 |
| Net interest margin | 4.8347% | 621 |
| Noninterest income to average assets | 0.0834% | 7,169 |
| Noninterest expense to average assets | 4.1188% | 897 |
| Loan and lease loss provision to assets | 2.1484% | 565 |
| Net operating income to assets | -2.0004% | 7,306 |
| Return on assets (ROA) | -2.0004% | 7,311 |
| Pretax return on assets | -1.7629% | 7,165 |
| Return on Equity (ROE) | -20.2917% | 7,281 |
| Retained earnings to average equity (ytd only) | -20.2917% | 7,260 |
| Net charge-offs to loans | 2.0646% | 878 |
| Credit loss provision to net charge-offs | 135.4976% | 2,957 |
| Earnings coverage of net charge-offs (x) | 0.2431% | 5,487 |
| Efficiency ratio | 91.4414% | 1,223 |
| Assets per employee ($millions) | 4.2854% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6759% | 480 |
| Loan loss allowance to noncurrent loans | 94.0762% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 4.5721% | 1,438 |
| Noncurrent loans to loans | 3.9074% | 1,951 |
| Net loans and leases to total assets | 76.2309% | 1,443 |
| Net loans and leases to deposits | 86.7910% | 2,377 |
| Net loans and leases to core deposits | 93.7129% | 2,765 |
| Total domestic deposits to total assets | 87.8327% | 2,091 |
| Equity capital to assets | 10.6050% | 3,274 |
| Core capital (leverage) ratio | 7.6040% | 6,726 |
| Tier 1 risk-based capital ratio | 10.3923% | 6,769 |
| Total risk-based capital ratio | 11.6731% | 6,729 |
| Memoranda: | ||
| Average total assets | $266,146,670 | 2,452 |
| Average earning assets | $243,366,670 | 2,458 |
| Average equity | $26,237,330 | 2,474 |
| Average total loans | $204,398,670 | 2,175 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4261% | 2,916 |
| Cost of funding earning assets | 0.6626% | 7,410 |
| Net interest margin | 4.7636% | 685 |
| Noninterest income to average assets | 0.0813% | 7,297 |
| Noninterest expense to average assets | 4.1721% | 839 |
| Loan and lease loss provision to assets | 2.0070% | 552 |
| Net operating income to assets | -2.1873% | 7,499 |
| Return on assets (ROA) | -2.1873% | 7,505 |
| Pretax return on assets | -1.7203% | 7,325 |
| Return on Equity (ROE) | -23.0153% | 7,481 |
| Retained earnings to average equity (ytd only) | -23.0153% | 7,435 |
| Net charge-offs to loans | 0.8748% | 1,806 |
| Credit loss provision to net charge-offs | 303.1250% | 1,295 |
| Earnings coverage of net charge-offs (x) | 0.4330% | 4,642 |
| Efficiency ratio | 93.5698% | 1,162 |
| Assets per employee ($millions) | 4.6981% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4473% | 566 |
| Loan loss allowance to noncurrent loans | 91.5223% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 3.9594% | 1,742 |
| Noncurrent loans to loans | 3.7666% | 2,107 |
| Net loans and leases to total assets | 72.9395% | 2,222 |
| Net loans and leases to deposits | 83.5961% | 3,011 |
| Net loans and leases to core deposits | 92.1459% | 3,089 |
| Total domestic deposits to total assets | 87.2523% | 2,500 |
| Equity capital to assets | 10.0934% | 3,755 |
| Core capital (leverage) ratio | 7.9045% | 6,376 |
| Tier 1 risk-based capital ratio | 10.7218% | 6,418 |
| Total risk-based capital ratio | 11.9996% | 6,375 |
| Memoranda: | ||
| Average total assets | $270,658,000 | 2,465 |
| Average earning assets | $248,722,000 | 2,463 |
| Average equity | $25,722,000 | 2,541 |
| Average total loans | $204,854,000 | 2,230 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2067% | 5,621 |
| Cost of funding earning assets | 1.0346% | 7,136 |
| Net interest margin | 4.1722% | 2,166 |
| Noninterest income to average assets | 0.0407% | 7,543 |
| Noninterest expense to average assets | 3.8118% | 1,678 |
| Loan and lease loss provision to assets | 2.3838% | 849 |
| Net operating income to assets | -2.7136% | 7,323 |
| Return on assets (ROA) | -2.7136% | 7,333 |
| Pretax return on assets | -2.2299% | 7,034 |
| Return on Equity (ROE) | -28.0455% | 7,364 |
| Retained earnings to average equity (ytd only) | -28.0455% | 7,346 |
| Net charge-offs to loans | 2.2573% | 1,042 |
| Credit loss provision to net charge-offs | 138.8325% | 3,533 |
| Earnings coverage of net charge-offs (x) | 0.0897% | 6,066 |
| Efficiency ratio | 96.1172% | 1,310 |
| Assets per employee ($millions) | 3.7056% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4504% | 1,289 |
| Loan loss allowance to noncurrent loans | 72.1424% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 3.3238% | 2,056 |
| Noncurrent loans to loans | 3.3966% | 2,248 |
| Net loans and leases to total assets | 74.9640% | 2,040 |
| Net loans and leases to deposits | 81.9326% | 3,626 |
| Net loans and leases to core deposits | 109.2990% | 2,973 |
| Total domestic deposits to total assets | 91.4948% | 380 |
| Equity capital to assets | 8.4243% | 6,020 |
| Core capital (leverage) ratio | 7.9692% | 6,239 |
| Tier 1 risk-based capital ratio | 10.5656% | 6,325 |
| Total risk-based capital ratio | 11.8330% | 6,296 |
| Memoranda: | ||
| Average total assets | $68,838,600 | 6,041 |
| Average earning assets | $64,762,200 | 5,966 |
| Average equity | $6,660,600 | 6,375 |
| Average total loans | $52,363,800 | 5,574 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1686% | 6,018 |
| Cost of funding earning assets | 1.0783% | 7,223 |
| Net interest margin | 4.0903% | 2,443 |
| Noninterest income to average assets | -0.0096% | 7,860 |
| Noninterest expense to average assets | 3.7977% | 1,588 |
| Loan and lease loss provision to assets | 2.0757% | 854 |
| Net operating income to assets | -2.6830% | 7,510 |
| Return on assets (ROA) | -2.6830% | 7,518 |
| Pretax return on assets | -2.0411% | 7,201 |
| Return on Equity (ROE) | -26.8934% | 7,546 |
| Retained earnings to average equity (ytd only) | -26.8934% | 7,531 |
| Net charge-offs to loans | 1.9680% | 1,010 |
| Credit loss provision to net charge-offs | 138.9961% | 3,555 |
| Earnings coverage of net charge-offs (x) | 0.0232% | 6,033 |
| Efficiency ratio | 99.0973% | 1,107 |
| Assets per employee ($millions) | 4.1759% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1360% | 1,529 |
| Loan loss allowance to noncurrent loans | 50.6446% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 4.0496% | 1,570 |
| Noncurrent loans to loans | 4.2176% | 1,709 |
| Net loans and leases to total assets | 67.0480% | 4,175 |
| Net loans and leases to deposits | 74.1005% | 5,350 |
| Net loans and leases to core deposits | 93.7724% | 5,037 |
| Total domestic deposits to total assets | 90.4825% | 596 |
| Equity capital to assets | 8.1033% | 6,737 |
| Core capital (leverage) ratio | 8.4301% | 5,618 |
| Tier 1 risk-based capital ratio | 11.2006% | 5,755 |
| Total risk-based capital ratio | 12.4602% | 5,694 |
| Memoranda: | ||
| Average total assets | $69,373,250 | 6,062 |
| Average earning assets | $65,161,250 | 5,997 |
| Average equity | $6,921,000 | 6,344 |
| Average total loans | $52,640,500 | 5,607 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2236% | 5,989 |
| Cost of funding earning assets | 1.1643% | 7,204 |
| Net interest margin | 4.0593% | 2,469 |
| Noninterest income to average assets | 0.2135% | 6,773 |
| Noninterest expense to average assets | 4.0746% | 1,223 |
| Loan and lease loss provision to assets | 2.7520% | 556 |
| Net operating income to assets | -1.6548% | 7,312 |
| Return on assets (ROA) | -1.6548% | 7,308 |
| Pretax return on assets | -2.8083% | 7,506 |
| Return on Equity (ROE) | -15.5050% | 7,353 |
| Retained earnings to average equity (ytd only) | -15.5050% | 7,267 |
| Net charge-offs to loans | 2.9196% | 560 |
| Credit loss provision to net charge-offs | 119.8966% | 3,877 |
| Earnings coverage of net charge-offs (x) | -0.0245% | 5,717 |
| Efficiency ratio | 101.4022% | 1,108 |
| Assets per employee ($millions) | 4.1691% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7382% | 2,213 |
| Loan loss allowance to noncurrent loans | 41.5465% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 3.6967% | 1,667 |
| Noncurrent loans to loans | 4.1836% | 1,589 |
| Net loans and leases to total assets | 75.8557% | 2,214 |
| Net loans and leases to deposits | 85.5715% | 3,627 |
| Net loans and leases to core deposits | 108.1839% | 3,590 |
| Total domestic deposits to total assets | 88.6460% | 1,463 |
| Equity capital to assets | 9.7765% | 4,247 |
| Core capital (leverage) ratio | 9.0105% | 4,611 |
| Tier 1 risk-based capital ratio | 11.4055% | 5,491 |
| Total risk-based capital ratio | 12.6612% | 5,396 |
| Memoranda: | ||
| Average total assets | $67,442,000 | 6,173 |
| Average earning assets | $63,213,330 | 6,103 |
| Average equity | $7,197,670 | 6,302 |
| Average total loans | $53,021,330 | 5,638 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 6,888 |
| Cost of funding earning assets | 1.1817% | 7,337 |
| Net interest margin | 3.8355% | 3,314 |
| Noninterest income to average assets | 2.0388% | 354 |
| Noninterest expense to average assets | 3.9436% | 1,252 |
| Loan and lease loss provision to assets | 4.9174% | 168 |
| Net operating income to assets | -1.8866% | 7,628 |
| Return on assets (ROA) | -1.8866% | 7,630 |
| Pretax return on assets | -3.2073% | 7,794 |
| Return on Equity (ROE) | -16.9122% | 7,672 |
| Retained earnings to average equity (ytd only) | -16.9122% | 7,529 |
| Net charge-offs to loans | 4.9219% | 220 |
| Credit loss provision to net charge-offs | 125.8567% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.4377% | 4,638 |
| Efficiency ratio | 69.7524% | 4,634 |
| Assets per employee ($millions) | 4.1140% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8571% | 1,723 |
| Loan loss allowance to noncurrent loans | 39.7277% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 4.4039% | 1,103 |
| Noncurrent loans to loans | 4.6747% | 1,201 |
| Net loans and leases to total assets | 72.7659% | 3,060 |
| Net loans and leases to deposits | 83.8623% | 4,008 |
| Net loans and leases to core deposits | 105.7519% | 3,945 |
| Total domestic deposits to total assets | 86.7683% | 2,329 |
| Equity capital to assets | 10.2619% | 3,695 |
| Core capital (leverage) ratio | 10.2690% | 3,140 |
| Tier 1 risk-based capital ratio | 12.5045% | 4,552 |
| Total risk-based capital ratio | 13.7612% | 4,462 |
| Memoranda: | ||
| Average total assets | $65,726,000 | 6,262 |
| Average earning assets | $61,947,000 | 6,177 |
| Average equity | $7,332,000 | 6,286 |
| Average total loans | $52,175,500 | 5,708 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5262% | 2,835 |
| Cost of funding earning assets | 1.5395% | 7,549 |
| Net interest margin | 4.9867% | 527 |
| Noninterest income to average assets | 0.4461% | 5,068 |
| Noninterest expense to average assets | 4.0410% | 1,356 |
| Loan and lease loss provision to assets | 0.1853% | 5,038 |
| Net operating income to assets | 0.5045% | 4,714 |
| Return on assets (ROA) | 0.5045% | 4,556 |
| Pretax return on assets | 0.8665% | 3,833 |
| Return on Equity (ROE) | 4.0068% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.0068% | 2,640 |
| Net charge-offs to loans | 0.0118% | 6,756 |
| Credit loss provision to net charge-offs | 1,800.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 102.1667% | 422 |
| Efficiency ratio | 79.3464% | 2,700 |
| Assets per employee ($millions) | 3.2376% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 2,592 |
| Loan loss allowance to noncurrent loans | 100.2516% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.2924% | 3,640 |
| Noncurrent loans to loans | 1.5144% | 3,519 |
| Net loans and leases to total assets | 84.0459% | 881 |
| Net loans and leases to deposits | 99.5533% | 1,896 |
| Net loans and leases to core deposits | 120.1013% | 2,677 |
| Total domestic deposits to total assets | 84.4231% | 3,118 |
| Equity capital to assets | 12.1712% | 2,176 |
| Core capital (leverage) ratio | 11.1090% | 2,503 |
| Tier 1 risk-based capital ratio | 12.7837% | 4,236 |
| Total risk-based capital ratio | 14.0365% | 4,153 |
| Memoranda: | ||
| Average total assets | $58,277,200 | 6,441 |
| Average earning assets | $54,304,200 | 6,398 |
| Average equity | $7,337,600 | 6,339 |
| Average total loans | $50,721,600 | 5,674 |