Home > The Bank of McLouth > Performance and Condition Ratios
The Bank of McLouth, 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 | 3.9117% | 6,790 |
| Cost of funding earning assets | 0.7024% | 5,946 |
| Net interest margin | 3.2093% | 6,133 |
| Noninterest income to average assets | 0.3132% | 5,396 |
| Noninterest expense to average assets | 1.8229% | 7,057 |
| Loan and lease loss provision to assets | 0.1232% | 4,746 |
| Net operating income to assets | 1.3761% | 1,133 |
| Return on assets (ROA) | 1.3761% | 1,205 |
| Pretax return on assets | 1.4172% | 1,762 |
| Return on Equity (ROE) | 15.9019% | 684 |
| Retained earnings to average equity (ytd only) | 15.9019% | 210 |
| Net charge-offs to loans | -0.1394% | 7,240 |
| Credit loss provision to net charge-offs | -160.0000% | 6,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3817% | 6,910 |
| Assets per employee ($millions) | 4.7195% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 4,674 |
| Loan loss allowance to noncurrent loans | 88.0117% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.9058% | 5,059 |
| Noncurrent loans to loans | 1.5684% | 4,059 |
| Net loans and leases to total assets | 56.9578% | 4,826 |
| Net loans and leases to deposits | 63.1293% | 5,380 |
| Net loans and leases to core deposits | 63.1293% | 5,801 |
| Total domestic deposits to total assets | 90.2241% | 849 |
| Equity capital to assets | 9.6276% | 4,628 |
| Core capital (leverage) ratio | 7.6286% | 6,647 |
| Tier 1 risk-based capital ratio | 11.8132% | 5,931 |
| Total risk-based capital ratio | 13.0013% | 5,973 |
| Memoranda: | ||
| Average total assets | $38,949,670 | 6,825 |
| Average earning assets | $37,017,330 | 6,763 |
| Average equity | $3,370,670 | 7,022 |
| Average total loans | $21,527,330 | 6,719 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7000% | 7,067 |
| Cost of funding earning assets | 0.6805% | 6,246 |
| Net interest margin | 3.0195% | 6,535 |
| Noninterest income to average assets | 0.2731% | 5,724 |
| Noninterest expense to average assets | 1.7498% | 7,188 |
| Loan and lease loss provision to assets | 0.1214% | 4,494 |
| Net operating income to assets | 1.2340% | 1,445 |
| Return on assets (ROA) | 1.2340% | 1,496 |
| Pretax return on assets | 1.2744% | 2,124 |
| Return on Equity (ROE) | 15.0687% | 811 |
| Retained earnings to average equity (ytd only) | 15.0687% | 387 |
| Net charge-offs to loans | -0.1496% | 7,201 |
| Credit loss provision to net charge-offs | -150.0000% | 5,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7685% | 6,873 |
| Assets per employee ($millions) | 5.0541% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 5,039 |
| Loan loss allowance to noncurrent loans | 178.4810% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 6,227 |
| Noncurrent loans to loans | 0.7389% | 5,536 |
| Net loans and leases to total assets | 52.1851% | 5,552 |
| Net loans and leases to deposits | 56.9347% | 6,036 |
| Net loans and leases to core deposits | 56.9347% | 6,345 |
| Total domestic deposits to total assets | 91.6578% | 380 |
| Equity capital to assets | 8.1839% | 6,303 |
| Core capital (leverage) ratio | 7.2257% | 6,905 |
| Tier 1 risk-based capital ratio | 11.3074% | 6,247 |
| Total risk-based capital ratio | 12.4322% | 6,338 |
| Memoranda: | ||
| Average total assets | $39,546,500 | 6,850 |
| Average earning assets | $37,621,500 | 6,780 |
| Average equity | $3,238,500 | 7,099 |
| Average total loans | $21,388,000 | 6,776 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3756% | 7,628 |
| Cost of funding earning assets | 0.0563% | 7,599 |
| Net interest margin | 0.3192% | 7,621 |
| Noninterest income to average assets | 0.0492% | 7,111 |
| Noninterest expense to average assets | 0.2407% | 7,634 |
| Loan and lease loss provision to assets | 0.6730% | 2,453 |
| Net operating income to assets | -0.5337% | 6,407 |
| Return on assets (ROA) | -0.5436% | 6,443 |
| Pretax return on assets | -0.5669% | 6,372 |
| Return on Equity (ROE) | -3.1592% | 6,290 |
| Retained earnings to average equity (ytd only) | -87.0291% | 7,570 |
| Net charge-offs to loans | -0.0089% | 7,304 |
| Credit loss provision to net charge-offs | -13,000.0000% | 7,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4928% | 5,265 |
| Assets per employee ($millions) | 4.8325% | 2,377 |
| Cash dividends to net income (ytd only)* | -2,654.7619% | 7,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 5,395 |
| Loan loss allowance to noncurrent loans | 170.1299% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3983% | 6,275 |
| Noncurrent loans to loans | 0.7198% | 5,606 |
| Net loans and leases to total assets | 54.6611% | 5,548 |
| Net loans and leases to deposits | 59.9745% | 6,062 |
| Net loans and leases to core deposits | 59.9745% | 6,392 |
| Total domestic deposits to total assets | 91.1407% | 534 |
| Equity capital to assets | 8.1945% | 6,266 |
| Core capital (leverage) ratio | 6.9900% | 7,035 |
| Tier 1 risk-based capital ratio | 10.8161% | 6,474 |
| Total risk-based capital ratio | 11.8653% | 6,595 |
| Memoranda: | ||
| Average total assets | $38,631,200 | 6,913 |
| Average earning assets | $37,276,600 | 6,829 |
| Average equity | $6,647,200 | 6,149 |
| Average total loans | $22,524,200 | 6,794 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8794% | 5,364 |
| Cost of funding earning assets | 0.7485% | 6,919 |
| Net interest margin | 4.1309% | 2,483 |
| Noninterest income to average assets | 0.3141% | 5,640 |
| Noninterest expense to average assets | 2.4026% | 6,032 |
| Loan and lease loss provision to assets | 0.2416% | 4,668 |
| Net operating income to assets | 1.1944% | 1,607 |
| Return on assets (ROA) | 1.1944% | 1,691 |
| Pretax return on assets | 1.6708% | 1,169 |
| Return on Equity (ROE) | 6.1370% | 3,755 |
| Retained earnings to average equity (ytd only) | 4.2747% | 3,484 |
| Net charge-offs to loans | 0.1812% | 4,871 |
| Credit loss provision to net charge-offs | 225.8065% | 1,525 |
| Earnings coverage of net charge-offs (x) | 17.8720% | 1,298 |
| Efficiency ratio | 55.6800% | 6,604 |
| Assets per employee ($millions) | 4.3584% | 3,153 |
| Cash dividends to net income (ytd only)* | 30.3477% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9277% | 2,406 |
| Loan loss allowance to noncurrent loans | 410.2804% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 6,693 |
| Noncurrent loans to loans | 0.4699% | 6,253 |
| Net loans and leases to total assets | 56.9367% | 5,421 |
| Net loans and leases to deposits | 71.6591% | 4,886 |
| Net loans and leases to core deposits | 71.6591% | 5,553 |
| Total domestic deposits to total assets | 79.4550% | 5,885 |
| Equity capital to assets | 19.5814% | 311 |
| Core capital (leverage) ratio | 18.9520% | 299 |
| Tier 1 risk-based capital ratio | 23.9578% | 953 |
| Total risk-based capital ratio | 25.2097% | 926 |
| Memoranda: | ||
| Average total assets | $38,624,000 | 6,996 |
| Average earning assets | $37,408,250 | 6,896 |
| Average equity | $7,517,000 | 5,939 |
| Average total loans | $22,806,750 | 6,868 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8628% | 5,567 |
| Cost of funding earning assets | 0.7854% | 6,962 |
| Net interest margin | 4.0774% | 2,671 |
| Noninterest income to average assets | 0.2967% | 5,773 |
| Noninterest expense to average assets | 2.3892% | 6,091 |
| Loan and lease loss provision to assets | 0.3123% | 3,878 |
| Net operating income to assets | 1.1087% | 1,823 |
| Return on assets (ROA) | 1.1087% | 1,892 |
| Pretax return on assets | 1.5407% | 1,455 |
| Return on Equity (ROE) | 5.7087% | 3,935 |
| Retained earnings to average equity (ytd only) | 2.8945% | 4,298 |
| Net charge-offs to loans | 0.3331% | 3,663 |
| Credit loss provision to net charge-offs | 157.8947% | 2,494 |
| Earnings coverage of net charge-offs (x) | 9.3684% | 2,030 |
| Efficiency ratio | 56.3190% | 6,602 |
| Assets per employee ($millions) | 4.3476% | 3,131 |
| Cash dividends to net income (ytd only)* | 49.2958% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7961% | 2,729 |
| Loan loss allowance to noncurrent loans | 334.9206% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 6,611 |
| Noncurrent loans to loans | 0.5363% | 6,178 |
| Net loans and leases to total assets | 58.9706% | 5,253 |
| Net loans and leases to deposits | 73.6248% | 4,734 |
| Net loans and leases to core deposits | 74.5718% | 5,380 |
| Total domestic deposits to total assets | 80.0961% | 5,698 |
| Equity capital to assets | 19.1985% | 330 |
| Core capital (leverage) ratio | 18.4095% | 332 |
| Tier 1 risk-based capital ratio | 23.0716% | 1,064 |
| Total risk-based capital ratio | 24.3213% | 1,039 |
| Memoranda: | ||
| Average total assets | $38,423,330 | 7,051 |
| Average earning assets | $37,180,330 | 6,962 |
| Average equity | $7,462,330 | 5,980 |
| Average total loans | $22,818,000 | 6,918 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8439% | 5,708 |
| Cost of funding earning assets | 0.8164% | 7,037 |
| Net interest margin | 4.0275% | 2,754 |
| Noninterest income to average assets | 0.2942% | 5,791 |
| Noninterest expense to average assets | 2.3850% | 6,144 |
| Loan and lease loss provision to assets | 0.3152% | 3,531 |
| Net operating income to assets | 1.0612% | 1,957 |
| Return on assets (ROA) | 1.0612% | 2,029 |
| Pretax return on assets | 1.4814% | 1,565 |
| Return on Equity (ROE) | 5.4319% | 4,140 |
| Retained earnings to average equity (ytd only) | 5.4319% | 2,910 |
| Net charge-offs to loans | -0.1424% | 7,600 |
| Credit loss provision to net charge-offs | -375.0000% | 6,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0352% | 6,624 |
| Assets per employee ($millions) | 3.8987% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9468% | 2,324 |
| Loan loss allowance to noncurrent loans | 284.4156% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 6,484 |
| Noncurrent loans to loans | 0.6845% | 5,963 |
| Net loans and leases to total assets | 56.5855% | 5,662 |
| Net loans and leases to deposits | 70.4464% | 5,273 |
| Net loans and leases to core deposits | 71.3533% | 5,790 |
| Total domestic deposits to total assets | 80.3242% | 5,678 |
| Equity capital to assets | 19.2321% | 324 |
| Core capital (leverage) ratio | 18.9803% | 310 |
| Tier 1 risk-based capital ratio | 24.5915% | 909 |
| Total risk-based capital ratio | 25.8439% | 884 |
| Memoranda: | ||
| Average total assets | $38,071,000 | 7,157 |
| Average earning assets | $36,747,000 | 7,067 |
| Average equity | $7,437,500 | 6,040 |
| Average total loans | $22,479,000 | 7,026 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3587% | 4,899 |
| Cost of funding earning assets | 1.1099% | 6,939 |
| Net interest margin | 4.2488% | 1,899 |
| Noninterest income to average assets | 0.4297% | 4,967 |
| Noninterest expense to average assets | 2.9011% | 4,526 |
| Loan and lease loss provision to assets | 0.2802% | 5,180 |
| Net operating income to assets | 1.0089% | 1,807 |
| Return on assets (ROA) | 1.0089% | 1,861 |
| Pretax return on assets | 1.3451% | 1,572 |
| Return on Equity (ROE) | 5.2423% | 3,566 |
| Retained earnings to average equity (ytd only) | 5.2423% | 1,701 |
| Net charge-offs to loans | 0.2236% | 5,227 |
| Credit loss provision to net charge-offs | 205.8824% | 1,870 |
| Earnings coverage of net charge-offs (x) | 11.9412% | 1,557 |
| Efficiency ratio | 64.0920% | 5,760 |
| Assets per employee ($millions) | 3.7155% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 2,610 |
| Loan loss allowance to noncurrent loans | 373.8318% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 6,728 |
| Noncurrent loans to loans | 0.4764% | 6,302 |
| Net loans and leases to total assets | 59.3702% | 5,439 |
| Net loans and leases to deposits | 74.3203% | 4,987 |
| Net loans and leases to core deposits | 78.4683% | 6,228 |
| Total domestic deposits to total assets | 79.8843% | 5,704 |
| Equity capital to assets | 19.8547% | 306 |
| Core capital (leverage) ratio | 18.9262% | 341 |
| Tier 1 risk-based capital ratio | 24.4987% | 900 |
| Total risk-based capital ratio | 25.7502% | 877 |
| Memoranda: | ||
| Average total assets | $37,468,400 | 7,187 |
| Average earning assets | $36,128,000 | 7,096 |
| Average equity | $7,210,600 | 6,202 |
| Average total loans | $22,806,000 | 7,036 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3971% | 4,967 |
| Cost of funding earning assets | 1.1573% | 7,014 |
| Net interest margin | 4.2398% | 1,909 |
| Noninterest income to average assets | 0.4332% | 5,016 |
| Noninterest expense to average assets | 2.6917% | 5,364 |
| Loan and lease loss provision to assets | 0.2663% | 4,833 |
| Net operating income to assets | 1.1612% | 1,561 |
| Return on assets (ROA) | 1.1612% | 1,619 |
| Pretax return on assets | 1.5731% | 1,238 |
| Return on Equity (ROE) | 6.0816% | 3,494 |
| Retained earnings to average equity (ytd only) | 6.0816% | 1,909 |
| Net charge-offs to loans | 0.1048% | 5,625 |
| Credit loss provision to net charge-offs | 416.6667% | 954 |
| Earnings coverage of net charge-offs (x) | 28.7771% | 959 |
| Efficiency ratio | 59.4044% | 6,498 |
| Assets per employee ($millions) | 3.7411% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 2,564 |
| Loan loss allowance to noncurrent loans | 373.1481% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 6,771 |
| Noncurrent loans to loans | 0.4602% | 6,398 |
| Net loans and leases to total assets | 61.6530% | 5,298 |
| Net loans and leases to deposits | 77.8145% | 4,764 |
| Net loans and leases to core deposits | 82.4368% | 6,154 |
| Total domestic deposits to total assets | 79.2307% | 5,722 |
| Equity capital to assets | 19.7402% | 362 |
| Core capital (leverage) ratio | 18.6742% | 401 |
| Tier 1 risk-based capital ratio | 23.5809% | 1,044 |
| Total risk-based capital ratio | 24.8306% | 1,020 |
| Memoranda: | ||
| Average total assets | $37,546,750 | 7,249 |
| Average earning assets | $36,290,250 | 7,146 |
| Average equity | $7,169,000 | 6,270 |
| Average total loans | $22,892,750 | 7,099 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4231% | 5,026 |
| Cost of funding earning assets | 1.2045% | 7,093 |
| Net interest margin | 4.2186% | 1,923 |
| Noninterest income to average assets | 0.4469% | 4,877 |
| Noninterest expense to average assets | 2.6389% | 5,590 |
| Loan and lease loss provision to assets | 0.2394% | 4,672 |
| Net operating income to assets | 1.2077% | 1,450 |
| Return on assets (ROA) | 1.2077% | 1,541 |
| Pretax return on assets | 1.6493% | 1,114 |
| Return on Equity (ROE) | 6.3971% | 3,481 |
| Retained earnings to average equity (ytd only) | 6.3971% | 1,843 |
| Net charge-offs to loans | 0.1586% | 4,609 |
| Credit loss provision to net charge-offs | 250.0000% | 1,856 |
| Earnings coverage of net charge-offs (x) | 19.7222% | 1,351 |
| Efficiency ratio | 58.2844% | 6,815 |
| Assets per employee ($millions) | 3.7553% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 2,731 |
| Loan loss allowance to noncurrent loans | 310.8333% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 6,667 |
| Noncurrent loans to loans | 0.5156% | 6,240 |
| Net loans and leases to total assets | 60.9831% | 5,522 |
| Net loans and leases to deposits | 76.6202% | 5,077 |
| Net loans and leases to core deposits | 81.4316% | 6,291 |
| Total domestic deposits to total assets | 79.5915% | 5,599 |
| Equity capital to assets | 19.1862% | 443 |
| Core capital (leverage) ratio | 18.1347% | 495 |
| Tier 1 risk-based capital ratio | 23.2811% | 1,110 |
| Total risk-based capital ratio | 24.5159% | 1,089 |
| Memoranda: | ||
| Average total assets | $37,592,000 | 7,308 |
| Average earning assets | $36,363,000 | 7,207 |
| Average equity | $7,097,000 | 6,337 |
| Average total loans | $22,701,000 | 7,166 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2395% | 6,163 |
| Cost of funding earning assets | 1.2549% | 7,161 |
| Net interest margin | 3.9847% | 2,707 |
| Noninterest income to average assets | 0.4041% | 5,185 |
| Noninterest expense to average assets | 2.3929% | 6,216 |
| Loan and lease loss provision to assets | 0.1595% | 4,894 |
| Net operating income to assets | 1.2230% | 1,588 |
| Return on assets (ROA) | 1.2230% | 1,693 |
| Pretax return on assets | 1.7016% | 1,174 |
| Return on Equity (ROE) | 6.5313% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.5313% | 2,407 |
| Net charge-offs to loans | 0.5532% | 2,079 |
| Credit loss provision to net charge-offs | 48.3871% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.6452% | 2,635 |
| Efficiency ratio | 56.2500% | 6,940 |
| Assets per employee ($millions) | 3.9042% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 3,063 |
| Loan loss allowance to noncurrent loans | 314.2857% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 6,701 |
| Noncurrent loans to loans | 0.4730% | 6,236 |
| Net loans and leases to total assets | 56.0166% | 6,238 |
| Net loans and leases to deposits | 69.0123% | 6,075 |
| Net loans and leases to core deposits | 73.5645% | 6,833 |
| Total domestic deposits to total assets | 81.1690% | 4,901 |
| Equity capital to assets | 18.2009% | 583 |
| Core capital (leverage) ratio | 18.3605% | 517 |
| Tier 1 risk-based capital ratio | 23.3833% | 1,154 |
| Total risk-based capital ratio | 24.4983% | 1,139 |
| Memoranda: | ||
| Average total assets | $37,611,500 | 7,349 |
| Average earning assets | $36,339,000 | 7,256 |
| Average equity | $7,043,000 | 6,389 |
| Average total loans | $22,414,500 | 7,224 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7278% | 6,686 |
| Cost of funding earning assets | 1.5992% | 7,453 |
| Net interest margin | 4.1286% | 2,589 |
| Noninterest income to average assets | 0.5936% | 3,882 |
| Noninterest expense to average assets | 2.9595% | 4,230 |
| Loan and lease loss provision to assets | 0.2508% | 4,409 |
| Net operating income to assets | 0.9976% | 2,571 |
| Return on assets (ROA) | 0.9976% | 2,449 |
| Pretax return on assets | 1.3906% | 1,998 |
| Return on Equity (ROE) | 5.2830% | 4,247 |
| Retained earnings to average equity (ytd only) | 3.7335% | 2,812 |
| Net charge-offs to loans | 0.3200% | 3,260 |
| Credit loss provision to net charge-offs | 125.0000% | 4,278 |
| Earnings coverage of net charge-offs (x) | 8.1806% | 2,926 |
| Efficiency ratio | 64.3247% | 5,495 |
| Assets per employee ($millions) | 4.0201% | 3,469 |
| Cash dividends to net income (ytd only)* | 29.3296% | 4,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 2,547 |
| Loan loss allowance to noncurrent loans | 540.6250% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 6,856 |
| Noncurrent loans to loans | 0.2828% | 6,524 |
| Net loans and leases to total assets | 61.5876% | 5,686 |
| Net loans and leases to deposits | 76.6846% | 5,509 |
| Net loans and leases to core deposits | 82.5174% | 6,415 |
| Total domestic deposits to total assets | 80.3129% | 4,903 |
| Equity capital to assets | 19.2919% | 521 |
| Core capital (leverage) ratio | 18.5202% | 553 |
| Tier 1 risk-based capital ratio | 23.3322% | 1,158 |
| Total risk-based capital ratio | 24.5183% | 1,139 |
| Memoranda: | ||
| Average total assets | $35,885,000 | 7,388 |
| Average earning assets | $34,830,000 | 7,293 |
| Average equity | $6,776,400 | 6,538 |
| Average total loans | $22,503,000 | 7,167 |