Home > The Elgin State Bank > Performance and Condition Ratios
The Elgin State 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 | 4.1983% | 6,280 |
| Cost of funding earning assets | 0.8928% | 4,734 |
| Net interest margin | 3.3055% | 5,838 |
| Noninterest income to average assets | 0.2004% | 6,233 |
| Noninterest expense to average assets | 2.8160% | 4,362 |
| Loan and lease loss provision to assets | 0.0593% | 5,566 |
| Net operating income to assets | 0.2046% | 5,726 |
| Return on assets (ROA) | 0.2046% | 5,841 |
| Pretax return on assets | 0.2074% | 5,919 |
| Return on Equity (ROE) | 3.1429% | 5,337 |
| Retained earnings to average equity (ytd only) | 3.1429% | 4,276 |
| Net charge-offs to loans | 0.7544% | 1,988 |
| Credit loss provision to net charge-offs | 12.8593% | 5,215 |
| Earnings coverage of net charge-offs (x) | 0.5779% | 4,868 |
| Efficiency ratio | 91.3477% | 1,141 |
| Assets per employee ($millions) | 4.6916% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5931% | 1,321 |
| Loan loss allowance to noncurrent loans | 104.6825% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 6.9114% | 745 |
| Noncurrent loans to loans | 2.4771% | 2,908 |
| Net loans and leases to total assets | 57.9470% | 4,639 |
| Net loans and leases to deposits | 64.4828% | 5,212 |
| Net loans and leases to core deposits | 65.6665% | 5,547 |
| Total domestic deposits to total assets | 89.8643% | 1,035 |
| Equity capital to assets | 6.8139% | 7,141 |
| Core capital (leverage) ratio | 6.5999% | 7,106 |
| Tier 1 risk-based capital ratio | 10.1248% | 6,942 |
| Total risk-based capital ratio | 13.2705% | 5,736 |
| Memoranda: | ||
| Average total assets | $286,438,000 | 2,235 |
| Average earning assets | $249,766,670 | 2,330 |
| Average equity | $18,645,330 | 3,312 |
| Average total loans | $175,233,670 | 2,347 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1405% | 6,416 |
| Cost of funding earning assets | 0.9243% | 4,748 |
| Net interest margin | 3.2163% | 6,022 |
| Noninterest income to average assets | 0.1552% | 6,608 |
| Noninterest expense to average assets | 2.8511% | 4,263 |
| Loan and lease loss provision to assets | 0.1167% | 4,549 |
| Net operating income to assets | 0.0165% | 6,317 |
| Return on assets (ROA) | 0.0165% | 6,354 |
| Pretax return on assets | 0.0165% | 6,332 |
| Return on Equity (ROE) | 0.2589% | 6,321 |
| Retained earnings to average equity (ytd only) | 0.2589% | 5,705 |
| Net charge-offs to loans | 0.7157% | 1,784 |
| Credit loss provision to net charge-offs | 26.3158% | 4,178 |
| Earnings coverage of net charge-offs (x) | 0.3003% | 4,392 |
| Efficiency ratio | 95.5361% | 948 |
| Assets per employee ($millions) | 4.8058% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6373% | 1,272 |
| Loan loss allowance to noncurrent loans | 75.8893% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 6.6767% | 817 |
| Noncurrent loans to loans | 3.4752% | 2,145 |
| Net loans and leases to total assets | 58.9965% | 4,464 |
| Net loans and leases to deposits | 65.7082% | 5,016 |
| Net loans and leases to core deposits | 66.9949% | 5,400 |
| Total domestic deposits to total assets | 89.7855% | 1,298 |
| Equity capital to assets | 6.4374% | 7,221 |
| Core capital (leverage) ratio | 6.4146% | 7,187 |
| Tier 1 risk-based capital ratio | 9.6345% | 7,116 |
| Total risk-based capital ratio | 12.7174% | 6,113 |
| Memoranda: | ||
| Average total assets | $291,255,500 | 2,217 |
| Average earning assets | $256,198,000 | 2,300 |
| Average equity | $18,537,500 | 3,318 |
| Average total loans | $180,516,000 | 2,302 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6025% | 6,109 |
| Cost of funding earning assets | 1.1866% | 4,641 |
| Net interest margin | 3.4159% | 5,568 |
| Noninterest income to average assets | 0.2151% | 6,272 |
| Noninterest expense to average assets | 2.8137% | 4,546 |
| Loan and lease loss provision to assets | 1.6932% | 837 |
| Net operating income to assets | -1.2647% | 6,814 |
| Return on assets (ROA) | -1.2647% | 6,841 |
| Pretax return on assets | -1.2647% | 6,766 |
| Return on Equity (ROE) | -17.2770% | 6,983 |
| Retained earnings to average equity (ytd only) | -17.5055% | 6,957 |
| Net charge-offs to loans | 2.4795% | 758 |
| Credit loss provision to net charge-offs | 97.1401% | 4,779 |
| Earnings coverage of net charge-offs (x) | 0.2459% | 5,866 |
| Efficiency ratio | 86.7815% | 1,591 |
| Assets per employee ($millions) | 4.9858% | 2,172 |
| Cash dividends to net income (ytd only)* | -1.3228% | 7,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6010% | 1,292 |
| Loan loss allowance to noncurrent loans | 43.1292% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 7.7049% | 663 |
| Noncurrent loans to loans | 6.0308% | 1,035 |
| Net loans and leases to total assets | 61.6878% | 4,351 |
| Net loans and leases to deposits | 68.7400% | 4,996 |
| Net loans and leases to core deposits | 71.0528% | 5,326 |
| Total domestic deposits to total assets | 89.7408% | 1,243 |
| Equity capital to assets | 6.2934% | 7,294 |
| Core capital (leverage) ratio | 6.0553% | 7,288 |
| Tier 1 risk-based capital ratio | 9.1431% | 7,213 |
| Total risk-based capital ratio | 12.1344% | 6,397 |
| Memoranda: | ||
| Average total assets | $298,896,400 | 2,155 |
| Average earning assets | $264,877,600 | 2,216 |
| Average equity | $21,878,800 | 2,893 |
| Average total loans | $210,120,600 | 2,074 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 6,237 |
| Cost of funding earning assets | 1.2129% | 4,784 |
| Net interest margin | 3.4236% | 5,593 |
| Noninterest income to average assets | 0.3732% | 5,165 |
| Noninterest expense to average assets | 2.7579% | 4,652 |
| Loan and lease loss provision to assets | 0.2199% | 4,863 |
| Net operating income to assets | 0.4230% | 4,649 |
| Return on assets (ROA) | 0.4230% | 4,831 |
| Pretax return on assets | 0.4292% | 5,143 |
| Return on Equity (ROE) | 5.5866% | 4,009 |
| Retained earnings to average equity (ytd only) | 5.2933% | 2,781 |
| Net charge-offs to loans | 0.9669% | 2,063 |
| Credit loss provision to net charge-offs | 31.5890% | 6,136 |
| Earnings coverage of net charge-offs (x) | 0.9324% | 5,132 |
| Efficiency ratio | 80.9468% | 2,221 |
| Assets per employee ($millions) | 4.9212% | 2,289 |
| Cash dividends to net income (ytd only)* | 5.2525% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9605% | 2,325 |
| Loan loss allowance to noncurrent loans | 30.0521% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 8.9276% | 514 |
| Noncurrent loans to loans | 6.5237% | 916 |
| Net loans and leases to total assets | 63.2757% | 4,262 |
| Net loans and leases to deposits | 71.6923% | 4,881 |
| Net loans and leases to core deposits | 76.7303% | 4,961 |
| Total domestic deposits to total assets | 88.2601% | 1,822 |
| Equity capital to assets | 7.5472% | 7,098 |
| Core capital (leverage) ratio | 7.4126% | 6,921 |
| Tier 1 risk-based capital ratio | 10.1377% | 6,989 |
| Total risk-based capital ratio | 12.9190% | 5,737 |
| Memoranda: | ||
| Average total assets | $300,079,250 | 2,185 |
| Average earning assets | $265,912,750 | 2,245 |
| Average equity | $22,720,250 | 2,841 |
| Average total loans | $216,073,250 | 2,036 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7161% | 6,089 |
| Cost of funding earning assets | 1.1908% | 5,183 |
| Net interest margin | 3.5254% | 5,139 |
| Noninterest income to average assets | 0.3336% | 5,483 |
| Noninterest expense to average assets | 2.7625% | 4,650 |
| Loan and lease loss provision to assets | 0.2157% | 4,735 |
| Net operating income to assets | 0.4886% | 4,383 |
| Return on assets (ROA) | 0.4886% | 4,537 |
| Pretax return on assets | 0.4960% | 4,911 |
| Return on Equity (ROE) | 6.4462% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.0016% | 2,327 |
| Net charge-offs to loans | 0.3442% | 3,625 |
| Credit loss provision to net charge-offs | 83.9895% | 4,590 |
| Earnings coverage of net charge-offs (x) | 2.7717% | 3,601 |
| Efficiency ratio | 79.5150% | 2,505 |
| Assets per employee ($millions) | 4.7275% | 2,540 |
| Cash dividends to net income (ytd only)* | 6.8966% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3482% | 1,515 |
| Loan loss allowance to noncurrent loans | 35.3084% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 7.9426% | 621 |
| Noncurrent loans to loans | 6.6505% | 885 |
| Net loans and leases to total assets | 65.7618% | 3,878 |
| Net loans and leases to deposits | 75.1008% | 4,498 |
| Net loans and leases to core deposits | 81.0323% | 4,548 |
| Total domestic deposits to total assets | 87.5647% | 2,225 |
| Equity capital to assets | 7.4727% | 7,131 |
| Core capital (leverage) ratio | 7.6149% | 6,717 |
| Tier 1 risk-based capital ratio | 9.8235% | 7,117 |
| Total risk-based capital ratio | 12.5767% | 5,902 |
| Memoranda: | ||
| Average total assets | $296,760,000 | 2,216 |
| Average earning assets | $264,369,000 | 2,271 |
| Average equity | $22,494,000 | 2,860 |
| Average total loans | $221,397,330 | 2,012 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0811% | 4,625 |
| Cost of funding earning assets | 1.2049% | 5,380 |
| Net interest margin | 3.8763% | 3,429 |
| Noninterest income to average assets | 0.4690% | 4,302 |
| Noninterest expense to average assets | 2.7157% | 4,831 |
| Loan and lease loss provision to assets | 0.1038% | 5,587 |
| Net operating income to assets | 1.0957% | 1,839 |
| Return on assets (ROA) | 1.0957% | 1,924 |
| Pretax return on assets | 1.1123% | 2,691 |
| Return on Equity (ROE) | 14.3459% | 982 |
| Retained earnings to average equity (ytd only) | 13.4402% | 567 |
| Net charge-offs to loans | 0.3048% | 3,195 |
| Credit loss provision to net charge-offs | 43.3526% | 4,584 |
| Earnings coverage of net charge-offs (x) | 5.0809% | 2,474 |
| Efficiency ratio | 69.0711% | 4,495 |
| Assets per employee ($millions) | 4.3663% | 3,185 |
| Cash dividends to net income (ytd only)* | 6.3131% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2091% | 1,734 |
| Loan loss allowance to noncurrent loans | 30.5147% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 8.7632% | 521 |
| Noncurrent loans to loans | 7.2394% | 811 |
| Net loans and leases to total assets | 74.1018% | 1,949 |
| Net loans and leases to deposits | 83.0370% | 3,099 |
| Net loans and leases to core deposits | 90.5862% | 3,287 |
| Total domestic deposits to total assets | 89.2395% | 1,402 |
| Equity capital to assets | 7.9698% | 6,688 |
| Core capital (leverage) ratio | 8.0651% | 6,140 |
| Tier 1 risk-based capital ratio | 9.3155% | 7,387 |
| Total risk-based capital ratio | 10.5746% | 7,380 |
| Memoranda: | ||
| Average total assets | $289,133,000 | 2,319 |
| Average earning assets | $258,289,000 | 2,363 |
| Average equity | $22,083,000 | 2,934 |
| Average total loans | $227,036,000 | 2,014 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4422% | 4,479 |
| Cost of funding earning assets | 1.4375% | 5,775 |
| Net interest margin | 4.0047% | 2,841 |
| Noninterest income to average assets | 0.4601% | 4,715 |
| Noninterest expense to average assets | 2.7329% | 5,231 |
| Loan and lease loss provision to assets | 2.7305% | 685 |
| Net operating income to assets | -1.3434% | 6,791 |
| Return on assets (ROA) | -1.3434% | 6,790 |
| Pretax return on assets | -1.3434% | 6,623 |
| Return on Equity (ROE) | -15.1904% | 6,947 |
| Retained earnings to average equity (ytd only) | -20.4725% | 7,123 |
| Net charge-offs to loans | 2.1103% | 1,157 |
| Credit loss provision to net charge-offs | 156.3313% | 2,894 |
| Earnings coverage of net charge-offs (x) | 0.7942% | 5,311 |
| Efficiency ratio | 66.3331% | 5,327 |
| Assets per employee ($millions) | 4.3958% | 3,118 |
| Cash dividends to net income (ytd only)* | -34.7724% | 7,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1493% | 1,733 |
| Loan loss allowance to noncurrent loans | 33.0554% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 6.0821% | 923 |
| Noncurrent loans to loans | 6.5023% | 924 |
| Net loans and leases to total assets | 79.5876% | 1,067 |
| Net loans and leases to deposits | 88.4956% | 2,474 |
| Net loans and leases to core deposits | 107.4527% | 3,166 |
| Total domestic deposits to total assets | 89.9340% | 995 |
| Equity capital to assets | 7.2976% | 7,203 |
| Core capital (leverage) ratio | 6.9485% | 7,280 |
| Tier 1 risk-based capital ratio | 8.1669% | 7,628 |
| Total risk-based capital ratio | 9.4259% | 7,642 |
| Memoranda: | ||
| Average total assets | $286,211,800 | 2,300 |
| Average earning assets | $261,566,800 | 2,312 |
| Average equity | $25,312,000 | 2,578 |
| Average total loans | $236,888,400 | 1,979 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4760% | 4,542 |
| Cost of funding earning assets | 1.4614% | 5,995 |
| Net interest margin | 4.0146% | 2,749 |
| Noninterest income to average assets | 0.4917% | 4,556 |
| Noninterest expense to average assets | 2.7818% | 4,964 |
| Loan and lease loss provision to assets | 0.6356% | 2,850 |
| Net operating income to assets | 0.7394% | 3,062 |
| Return on assets (ROA) | 0.7394% | 3,127 |
| Pretax return on assets | 0.7506% | 3,697 |
| Return on Equity (ROE) | 8.0117% | 2,626 |
| Retained earnings to average equity (ytd only) | 1.2663% | 4,617 |
| Net charge-offs to loans | 0.5753% | 2,951 |
| Credit loss provision to net charge-offs | 132.9114% | 3,760 |
| Earnings coverage of net charge-offs (x) | 2.8987% | 3,775 |
| Efficiency ratio | 66.7411% | 5,238 |
| Assets per employee ($millions) | 4.3768% | 3,078 |
| Cash dividends to net income (ytd only)* | 84.1939% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 5,925 |
| Loan loss allowance to noncurrent loans | 17.5842% | 7,217 |
| Noncurrent assets plus other real estate owned to assets | 5.6256% | 1,001 |
| Noncurrent loans to loans | 6.0635% | 969 |
| Net loans and leases to total assets | 79.6434% | 1,250 |
| Net loans and leases to deposits | 90.7276% | 2,443 |
| Net loans and leases to core deposits | 110.9321% | 3,132 |
| Total domestic deposits to total assets | 87.7830% | 1,758 |
| Equity capital to assets | 8.9682% | 5,528 |
| Core capital (leverage) ratio | 8.9834% | 4,675 |
| Tier 1 risk-based capital ratio | 10.0260% | 6,952 |
| Total risk-based capital ratio | 10.9956% | 7,162 |
| Memoranda: | ||
| Average total assets | $286,333,750 | 2,316 |
| Average earning assets | $262,205,500 | 2,317 |
| Average equity | $26,427,250 | 2,509 |
| Average total loans | $238,011,500 | 1,996 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5644% | 4,254 |
| Cost of funding earning assets | 1.4934% | 6,166 |
| Net interest margin | 4.0710% | 2,432 |
| Noninterest income to average assets | 0.4964% | 4,476 |
| Noninterest expense to average assets | 2.7708% | 5,087 |
| Loan and lease loss provision to assets | 0.1303% | 5,794 |
| Net operating income to assets | 1.3083% | 1,211 |
| Return on assets (ROA) | 1.3083% | 1,287 |
| Pretax return on assets | 1.3287% | 1,941 |
| Return on Equity (ROE) | 14.0385% | 982 |
| Retained earnings to average equity (ytd only) | 6.2637% | 1,901 |
| Net charge-offs to loans | 0.0595% | 5,667 |
| Credit loss provision to net charge-offs | 260.5634% | 1,790 |
| Earnings coverage of net charge-offs (x) | 29.1831% | 1,020 |
| Efficiency ratio | 65.5069% | 5,629 |
| Assets per employee ($millions) | 4.1483% | 3,399 |
| Cash dividends to net income (ytd only)* | 55.3821% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9607% | 6,501 |
| Loan loss allowance to noncurrent loans | 129.4018% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 1.4603% | 4,053 |
| Noncurrent loans to loans | 0.7424% | 5,757 |
| Net loans and leases to total assets | 82.5831% | 851 |
| Net loans and leases to deposits | 94.9272% | 1,967 |
| Net loans and leases to core deposits | 116.0797% | 2,702 |
| Total domestic deposits to total assets | 86.9963% | 2,262 |
| Equity capital to assets | 9.3672% | 4,788 |
| Core capital (leverage) ratio | 9.4084% | 4,016 |
| Tier 1 risk-based capital ratio | 10.2019% | 6,711 |
| Total risk-based capital ratio | 11.0811% | 7,044 |
| Memoranda: | ||
| Average total assets | $284,029,330 | 2,352 |
| Average earning assets | $260,479,330 | 2,347 |
| Average equity | $26,470,000 | 2,520 |
| Average total loans | $238,659,000 | 2,016 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4788% | 5,020 |
| Cost of funding earning assets | 1.5485% | 6,239 |
| Net interest margin | 3.9303% | 2,924 |
| Noninterest income to average assets | 0.4468% | 4,810 |
| Noninterest expense to average assets | 2.6904% | 5,053 |
| Loan and lease loss provision to assets | 0.1060% | 5,611 |
| Net operating income to assets | 1.2540% | 1,496 |
| Return on assets (ROA) | 1.2540% | 1,597 |
| Pretax return on assets | 1.2710% | 2,373 |
| Return on Equity (ROE) | 13.4910% | 1,271 |
| Retained earnings to average equity (ytd only) | 9.5365% | 1,327 |
| Net charge-offs to loans | 0.0050% | 5,630 |
| Credit loss provision to net charge-offs | 2,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 324.6667% | 124 |
| Efficiency ratio | 66.1453% | 5,301 |
| Assets per employee ($millions) | 4.1330% | 3,392 |
| Cash dividends to net income (ytd only)* | 29.3123% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 6,483 |
| Loan loss allowance to noncurrent loans | 76.0473% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.3813% | 3,886 |
| Noncurrent loans to loans | 1.2507% | 4,467 |
| Net loans and leases to total assets | 83.4103% | 785 |
| Net loans and leases to deposits | 96.0356% | 1,940 |
| Net loans and leases to core deposits | 117.4792% | 2,643 |
| Total domestic deposits to total assets | 86.8536% | 2,292 |
| Equity capital to assets | 9.5053% | 4,656 |
| Core capital (leverage) ratio | 9.5839% | 3,890 |
| Tier 1 risk-based capital ratio | 10.2895% | 6,601 |
| Total risk-based capital ratio | 11.1667% | 6,912 |
| Memoranda: | ||
| Average total assets | $282,927,500 | 2,378 |
| Average earning assets | $260,642,500 | 2,359 |
| Average equity | $26,299,000 | 2,543 |
| Average total loans | $238,652,000 | 2,035 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9850% | 5,620 |
| Cost of funding earning assets | 2.1368% | 5,896 |
| Net interest margin | 3.8482% | 3,801 |
| Noninterest income to average assets | 0.4775% | 4,820 |
| Noninterest expense to average assets | 2.7636% | 4,995 |
| Loan and lease loss provision to assets | 0.0460% | 6,840 |
| Net operating income to assets | 1.1399% | 1,986 |
| Return on assets (ROA) | 1.1399% | 1,908 |
| Pretax return on assets | 1.1418% | 2,868 |
| Return on Equity (ROE) | 12.1750% | 1,554 |
| Retained earnings to average equity (ytd only) | 3.7477% | 2,804 |
| Net charge-offs to loans | 0.0099% | 6,794 |
| Credit loss provision to net charge-offs | 568.1818% | 773 |
| Earnings coverage of net charge-offs (x) | 146.6364% | 312 |
| Efficiency ratio | 69.9404% | 4,366 |
| Assets per employee ($millions) | 4.2509% | 3,032 |
| Cash dividends to net income (ytd only)* | 69.2183% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 6,648 |
| Loan loss allowance to noncurrent loans | 78.8350% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.3858% | 3,415 |
| Noncurrent loans to loans | 1.1486% | 4,243 |
| Net loans and leases to total assets | 83.7237% | 932 |
| Net loans and leases to deposits | 98.8718% | 1,998 |
| Net loans and leases to core deposits | 122.4100% | 2,466 |
| Total domestic deposits to total assets | 84.6791% | 2,988 |
| Equity capital to assets | 9.0881% | 5,242 |
| Core capital (leverage) ratio | 9.1702% | 4,486 |
| Tier 1 risk-based capital ratio | 9.9165% | 6,828 |
| Total risk-based capital ratio | 10.7547% | 7,224 |
| Memoranda: | ||
| Average total assets | $271,598,800 | 2,370 |
| Average earning assets | $245,181,000 | 2,408 |
| Average equity | $25,429,200 | 2,607 |
| Average total loans | $221,991,200 | 2,112 |