Home > Texas Traditions Bank > Performance and Condition Ratios
Texas Traditions Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4050% | 218 |
| Cost of funding earning assets | 1.7460% | 2,599 |
| Net interest margin | 5.6591% | 130 |
| Noninterest income to average assets | 0.1000% | 4,126 |
| Noninterest expense to average assets | 4.2791% | 324 |
| Loan and lease loss provision to assets | 0.1800% | 680 |
| Net operating income to assets | 0.8201% | 2,792 |
| Return on assets (ROA) | 0.8201% | 2,795 |
| Pretax return on assets | 1.1336% | 2,415 |
| Return on Equity (ROE) | 5.6600% | 3,408 |
| Retained earnings to average equity (ytd only) | 5.6595% | 2,372 |
| Net charge-offs to loans | -0.0019% | 3,551 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 76.4706% | 1,204 |
| Assets per employee ($millions) | 6.4781% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 3,688 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 74.4900% | 1,274 |
| Net loans and leases to deposits | 89.3394% | 1,155 |
| Net loans and leases to core deposits | 107.1894% | 978 |
| Total domestic deposits to total assets | 83.3800% | 3,052 |
| Equity capital to assets | 14.4792% | 632 |
| Core capital (leverage) ratio | 14.6416% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $281,926,000 | 2,564 |
| Average earning assets | $273,543,500 | 2,505 |
| Average equity | $40,851,500 | 2,002 |
| Average total loans | $207,605,500 | 2,360 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5776% | 223 |
| Cost of funding earning assets | 1.7864% | 2,759 |
| Net interest margin | 5.7912% | 134 |
| Noninterest income to average assets | 0.0800% | 4,282 |
| Noninterest expense to average assets | 3.9216% | 398 |
| Loan and lease loss provision to assets | 0.3600% | 320 |
| Net operating income to assets | 1.2354% | 1,423 |
| Return on assets (ROA) | 1.2354% | 1,434 |
| Pretax return on assets | 1.3618% | 1,610 |
| Return on Equity (ROE) | 7.8200% | 2,804 |
| Retained earnings to average equity (ytd only) | 7.8165% | 1,172 |
| Net charge-offs to loans | 0.0027% | 2,898 |
| Credit loss provision to net charge-offs | 22,450.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 1,055.5000% | 126 |
| Efficiency ratio | 69.4876% | 2,063 |
| Assets per employee ($millions) | 7.3373% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8501% | 3,766 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 71.4900% | 1,729 |
| Net loans and leases to deposits | 85.6911% | 1,619 |
| Net loans and leases to core deposits | 105.7440% | 1,139 |
| Total domestic deposits to total assets | 83.4300% | 2,929 |
| Equity capital to assets | 14.5013% | 614 |
| Core capital (leverage) ratio | 15.0339% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $245,181,600 | 2,728 |
| Average earning assets | $235,496,400 | 2,677 |
| Average equity | $38,751,200 | 2,024 |
| Average total loans | $147,978,000 | 2,753 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5785% | 227 |
| Cost of funding earning assets | 1.7519% | 2,836 |
| Net interest margin | 5.8266% | 131 |
| Noninterest income to average assets | 0.0800% | 4,299 |
| Noninterest expense to average assets | 4.0223% | 365 |
| Loan and lease loss provision to assets | 0.4300% | 230 |
| Net operating income to assets | 1.1842% | 1,553 |
| Return on assets (ROA) | 1.1842% | 1,556 |
| Pretax return on assets | 1.2028% | 1,970 |
| Return on Equity (ROE) | 7.3200% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.3150% | 1,630 |
| Net charge-offs to loans | 0.0049% | 2,506 |
| Credit loss provision to net charge-offs | 14,020.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 580.2000% | 218 |
| Efficiency ratio | 71.1171% | 1,891 |
| Assets per employee ($millions) | 6.6303% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 3,811 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 70.1900% | 1,829 |
| Net loans and leases to deposits | 85.3665% | 1,699 |
| Net loans and leases to core deposits | 101.7929% | 1,382 |
| Total domestic deposits to total assets | 82.2300% | 3,050 |
| Equity capital to assets | 15.8189% | 506 |
| Core capital (leverage) ratio | 16.2457% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7495% | 550 |
| Memoranda: | ||
| Average total assets | $236,773,000 | 2,766 |
| Average earning assets | $226,723,500 | 2,728 |
| Average equity | $38,331,000 | 2,042 |
| Average total loans | $134,715,250 | 2,870 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3995% | 248 |
| Cost of funding earning assets | 1.7332% | 2,797 |
| Net interest margin | 5.6662% | 163 |
| Noninterest income to average assets | 0.0700% | 4,347 |
| Noninterest expense to average assets | 4.0921% | 346 |
| Loan and lease loss provision to assets | 0.5200% | 161 |
| Net operating income to assets | 1.0798% | 1,766 |
| Return on assets (ROA) | 1.0798% | 1,771 |
| Pretax return on assets | 0.8709% | 2,826 |
| Return on Equity (ROE) | 6.6200% | 3,093 |
| Retained earnings to average equity (ytd only) | 6.6151% | 1,776 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 74.5675% | 1,592 |
| Assets per employee ($millions) | 6.3285% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8505% | 3,825 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 59.8700% | 2,969 |
| Net loans and leases to deposits | 72.9012% | 2,766 |
| Net loans and leases to core deposits | 87.7388% | 2,290 |
| Total domestic deposits to total assets | 82.1300% | 3,056 |
| Equity capital to assets | 16.0294% | 468 |
| Core capital (leverage) ratio | 16.1661% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2363% | 579 |
| Memoranda: | ||
| Average total assets | $231,713,667 | 2,788 |
| Average earning assets | $221,665,000 | 2,753 |
| Average equity | $37,822,667 | 2,032 |
| Average total loans | $120,165,667 | 2,988 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2740% | 255 |
| Cost of funding earning assets | 1.6360% | 2,896 |
| Net interest margin | 5.6381% | 162 |
| Noninterest income to average assets | 0.0500% | 4,395 |
| Noninterest expense to average assets | 3.9379% | 374 |
| Loan and lease loss provision to assets | 0.5900% | 133 |
| Net operating income to assets | 0.8956% | 2,243 |
| Return on assets (ROA) | 0.8956% | 2,259 |
| Pretax return on assets | 0.8956% | 2,675 |
| Return on Equity (ROE) | 5.4400% | 3,355 |
| Retained earnings to average equity (ytd only) | 5.4351% | 2,283 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 72.6388% | 1,883 |
| Assets per employee ($millions) | 6.4015% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 3,838 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 51.3800% | 3,528 |
| Net loans and leases to deposits | 62.8473% | 3,352 |
| Net loans and leases to core deposits | 73.5304% | 3,134 |
| Total domestic deposits to total assets | 81.7500% | 3,228 |
| Equity capital to assets | 16.3707% | 429 |
| Core capital (leverage) ratio | 17.0976% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $227,329,000 | 2,824 |
| Average earning assets | $216,386,500 | 2,784 |
| Average equity | $37,460,000 | 2,038 |
| Average total loans | $107,640,000 | 3,137 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5959% | 316 |
| Cost of funding earning assets | 1.0405% | 3,211 |
| Net interest margin | 5.5553% | 173 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 4.6977% | 259 |
| Loan and lease loss provision to assets | 0.6400% | 126 |
| Net operating income to assets | -0.0573% | 4,414 |
| Return on assets (ROA) | -0.0573% | 4,400 |
| Pretax return on assets | -0.0573% | 4,386 |
| Return on Equity (ROE) | -0.2300% | 4,357 |
| Retained earnings to average equity (ytd only) | -0.2305% | 4,112 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.8832% | 454 |
| Assets per employee ($millions) | 6.5942% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8502% | 3,851 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 42.3900% | 3,954 |
| Net loans and leases to deposits | 51.6105% | 3,894 |
| Net loans and leases to core deposits | 58.3888% | 3,823 |
| Total domestic deposits to total assets | 82.1400% | 3,106 |
| Equity capital to assets | 16.5889% | 416 |
| Core capital (leverage) ratio | 21.2528% | 226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $146,711,600 | 3,398 |
| Average earning assets | $138,101,800 | 3,366 |
| Average equity | $36,440,800 | 2,002 |
| Average total loans | $60,229,400 | 3,706 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5214% | 300 |
| Cost of funding earning assets | 0.8669% | 3,352 |
| Net interest margin | 5.6545% | 152 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 5.1651% | 219 |
| Loan and lease loss provision to assets | 0.5400% | 142 |
| Net operating income to assets | -0.3518% | 4,519 |
| Return on assets (ROA) | -0.3518% | 4,506 |
| Pretax return on assets | -0.3518% | 4,497 |
| Return on Equity (ROE) | -1.2400% | 4,436 |
| Retained earnings to average equity (ytd only) | -1.2357% | 4,273 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 96.4796% | 225 |
| Assets per employee ($millions) | 5.0745% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 3,871 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 44.6200% | 3,889 |
| Net loans and leases to deposits | 60.5298% | 3,479 |
| Net loans and leases to core deposits | 68.8244% | 3,278 |
| Total domestic deposits to total assets | 73.7200% | 4,176 |
| Equity capital to assets | 23.2376% | 216 |
| Core capital (leverage) ratio | 25.3032% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $127,338,500 | 3,592 |
| Average earning assets | $119,194,500 | 3,569 |
| Average equity | $36,252,750 | 1,996 |
| Average total loans | $51,321,250 | 3,841 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4240% | 279 |
| Cost of funding earning assets | 0.7716% | 3,293 |
| Net interest margin | 5.6524% | 145 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 5.3976% | 200 |
| Loan and lease loss provision to assets | 0.6800% | 105 |
| Net operating income to assets | -0.8419% | 4,588 |
| Return on assets (ROA) | -0.8419% | 4,582 |
| Pretax return on assets | -0.8419% | 4,578 |
| Return on Equity (ROE) | -2.7300% | 4,508 |
| Retained earnings to average equity (ytd only) | -2.7329% | 4,332 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 103.0589% | 137 |
| Assets per employee ($millions) | 5.3124% | 3,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8507% | 3,903 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 38.8600% | 4,079 |
| Net loans and leases to deposits | 52.3728% | 3,824 |
| Net loans and leases to core deposits | 55.6435% | 3,825 |
| Total domestic deposits to total assets | 74.2000% | 4,182 |
| Equity capital to assets | 24.4521% | 201 |
| Core capital (leverage) ratio | 29.7109% | 121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $117,348,000 | 3,697 |
| Average earning assets | $107,565,667 | 3,687 |
| Average equity | $36,152,000 | 2,013 |
| Average total loans | $44,829,667 | 3,939 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1676% | 257 |
| Cost of funding earning assets | 0.6280% | 3,299 |
| Net interest margin | 5.5396% | 143 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 6.2097% | 173 |
| Loan and lease loss provision to assets | 0.8300% | 82 |
| Net operating income to assets | -1.9597% | 4,649 |
| Return on assets (ROA) | -1.9597% | 4,643 |
| Pretax return on assets | -1.9597% | 4,639 |
| Return on Equity (ROE) | -5.5300% | 4,558 |
| Retained earnings to average equity (ytd only) | -5.5269% | 4,350 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 122.1362% | 68 |
| Assets per employee ($millions) | 4.2962% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8506% | 3,987 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 43.2100% | 3,901 |
| Net loans and leases to deposits | 64.6534% | 3,036 |
| Net loans and leases to core deposits | 66.7875% | 3,171 |
| Total domestic deposits to total assets | 66.8300% | 4,476 |
| Equity capital to assets | 31.4206% | 116 |
| Core capital (leverage) ratio | 39.7626% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $101,648,000 | 3,894 |
| Average earning assets | $92,353,000 | 3,892 |
| Average equity | $36,042,000 | 2,041 |
| Average total loans | $38,092,500 | 4,103 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7757% | 4,633 |
| Cost of funding earning assets | 0.1077% | 4,356 |
| Net interest margin | 1.6680% | 4,612 |
| Noninterest income to average assets | 0.0100% | 4,654 |
| Noninterest expense to average assets | 5.4904% | 188 |
| Loan and lease loss provision to assets | 0.5200% | 114 |
| Net operating income to assets | -4.4125% | 4,706 |
| Return on assets (ROA) | -4.4125% | 4,705 |
| Pretax return on assets | -4.4125% | 4,703 |
| Return on Equity (ROE) | -8.0000% | 4,647 |
| Retained earnings to average equity (ytd only) | -8.0017% | 4,611 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 343.6747% | 19 |
| Assets per employee ($millions) | 3.3577% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 3,920 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 29.1100% | 4,407 |
| Net loans and leases to deposits | 49.4899% | 3,920 |
| Net loans and leases to core deposits | 50.9686% | 3,942 |
| Total domestic deposits to total assets | 58.8300% | 4,582 |
| Equity capital to assets | 40.8218% | 96 |
| Core capital (leverage) ratio | 55.9670% | 83 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $62,345,000 | 4,316 |
| Average earning assets | $59,413,500 | 4,272 |
| Average equity | $34,380,000 | 2,137 |
| Average total loans | $14,047,000 | 4,501 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2814% | 4,738 |
| Cost of funding earning assets | 0.0000% | 4,686 |
| Net interest margin | 0.2814% | 4,737 |
| Noninterest income to average assets | 0.0000% | 4,708 |
| Noninterest expense to average assets | 6.6467% | 151 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | -6.4470% | 4,752 |
| Return on assets (ROA) | -6.4470% | 4,751 |
| Pretax return on assets | -6.4470% | 4,751 |
| Return on Equity (ROE) | -7.2800% | 4,683 |
| Retained earnings to average equity (ytd only) | -7.2777% | 4,646 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 2,420.7792% | 2 |
| Assets per employee ($millions) | 1.4956% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8540% | 3,978 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 6.5200% | 4,658 |
| Net loans and leases to deposits | 61.1948% | 3,093 |
| Net loans and leases to core deposits | 61.1948% | 3,286 |
| Total domestic deposits to total assets | 10.6500% | 4,689 |
| Equity capital to assets | 88.5855% | 38 |
| Core capital (leverage) ratio | 95.4813% | 24 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $37,391,000 | 4,588 |
| Average earning assets | $36,477,000 | 4,548 |
| Average equity | $33,123,000 | 2,224 |
| Average total loans | $2,459,000 | 4,672 |