Home > The Exchange Bank of South Carolina, Inc. > Performance and Condition Ratios
The Exchange Bank of South Carolina, Inc., 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 | 4.0747% | 6,536 |
| Cost of funding earning assets | 0.5514% | 6,656 |
| Net interest margin | 3.5233% | 5,056 |
| Noninterest income to average assets | 0.9773% | 1,383 |
| Noninterest expense to average assets | 3.5106% | 1,956 |
| Loan and lease loss provision to assets | 0.0633% | 5,511 |
| Net operating income to assets | 0.4206% | 4,852 |
| Return on assets (ROA) | 0.4206% | 5,007 |
| Pretax return on assets | 0.6468% | 4,584 |
| Return on Equity (ROE) | 2.3191% | 5,670 |
| Retained earnings to average equity (ytd only) | 1.0113% | 5,459 |
| Net charge-offs to loans | 0.1349% | 4,396 |
| Credit loss provision to net charge-offs | 85.1064% | 3,615 |
| Earnings coverage of net charge-offs (x) | 9.5532% | 1,911 |
| Efficiency ratio | 78.9060% | 2,573 |
| Assets per employee ($millions) | 3.4996% | 4,940 |
| Cash dividends to net income (ytd only)* | 56.3910% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 3,499 |
| Loan loss allowance to noncurrent loans | 80.5750% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.2684% | 4,361 |
| Noncurrent loans to loans | 2.0468% | 3,416 |
| Net loans and leases to total assets | 54.3874% | 5,239 |
| Net loans and leases to deposits | 70.2693% | 4,404 |
| Net loans and leases to core deposits | 71.6365% | 4,859 |
| Total domestic deposits to total assets | 77.3985% | 6,394 |
| Equity capital to assets | 18.2678% | 364 |
| Core capital (leverage) ratio | 16.8590% | 418 |
| Tier 1 risk-based capital ratio | 33.1209% | 413 |
| Total risk-based capital ratio | 34.3779% | 402 |
| Memoranda: | ||
| Average total assets | $126,474,000 | 4,295 |
| Average earning assets | $116,424,330 | 4,266 |
| Average equity | $22,939,670 | 2,766 |
| Average total loans | $69,659,670 | 4,588 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 6,679 |
| Cost of funding earning assets | 0.6259% | 6,494 |
| Net interest margin | 3.3858% | 5,480 |
| Noninterest income to average assets | 0.9817% | 1,383 |
| Noninterest expense to average assets | 3.1693% | 2,994 |
| Loan and lease loss provision to assets | 0.0284% | 5,609 |
| Net operating income to assets | 0.5903% | 4,083 |
| Return on assets (ROA) | 0.5903% | 4,151 |
| Pretax return on assets | 0.9091% | 3,462 |
| Return on Equity (ROE) | 3.2661% | 5,252 |
| Retained earnings to average equity (ytd only) | 0.6462% | 5,569 |
| Net charge-offs to loans | 0.0919% | 4,020 |
| Credit loss provision to net charge-offs | 56.2500% | 3,620 |
| Earnings coverage of net charge-offs (x) | 18.5625% | 1,175 |
| Efficiency ratio | 72.7902% | 3,716 |
| Assets per employee ($millions) | 3.6140% | 4,732 |
| Cash dividends to net income (ytd only)* | 80.2139% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6494% | 3,531 |
| Loan loss allowance to noncurrent loans | 81.7794% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.2736% | 4,408 |
| Noncurrent loans to loans | 2.0169% | 3,555 |
| Net loans and leases to total assets | 54.1635% | 5,280 |
| Net loans and leases to deposits | 68.4750% | 4,613 |
| Net loans and leases to core deposits | 70.1716% | 5,022 |
| Total domestic deposits to total assets | 79.0997% | 6,166 |
| Equity capital to assets | 18.1167% | 363 |
| Core capital (leverage) ratio | 16.0732% | 487 |
| Tier 1 risk-based capital ratio | 32.7401% | 410 |
| Total risk-based capital ratio | 33.9973% | 401 |
| Memoranda: | ||
| Average total assets | $126,717,500 | 4,327 |
| Average earning assets | $116,959,500 | 4,278 |
| Average equity | $22,902,000 | 2,758 |
| Average total loans | $69,654,500 | 4,629 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4212% | 6,576 |
| Cost of funding earning assets | 0.7668% | 6,685 |
| Net interest margin | 3.6544% | 4,557 |
| Noninterest income to average assets | 1.0990% | 1,228 |
| Noninterest expense to average assets | 3.2136% | 3,038 |
| Loan and lease loss provision to assets | 0.1570% | 5,636 |
| Net operating income to assets | 0.6968% | 3,236 |
| Return on assets (ROA) | 0.6968% | 3,372 |
| Pretax return on assets | 1.0723% | 2,693 |
| Return on Equity (ROE) | 3.7633% | 4,628 |
| Retained earnings to average equity (ytd only) | 0.2666% | 5,446 |
| Net charge-offs to loans | 0.2348% | 4,873 |
| Credit loss provision to net charge-offs | 116.1677% | 3,705 |
| Earnings coverage of net charge-offs (x) | 9.0958% | 1,875 |
| Efficiency ratio | 68.1785% | 4,527 |
| Assets per employee ($millions) | 3.5262% | 4,877 |
| Cash dividends to net income (ytd only)* | 92.9152% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6598% | 3,357 |
| Loan loss allowance to noncurrent loans | 102.9386% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.1548% | 4,702 |
| Noncurrent loans to loans | 1.6124% | 4,089 |
| Net loans and leases to total assets | 53.9545% | 5,639 |
| Net loans and leases to deposits | 70.2331% | 4,786 |
| Net loans and leases to core deposits | 72.0195% | 5,211 |
| Total domestic deposits to total assets | 76.8221% | 6,509 |
| Equity capital to assets | 18.0300% | 371 |
| Core capital (leverage) ratio | 16.7580% | 416 |
| Tier 1 risk-based capital ratio | 32.3076% | 421 |
| Total risk-based capital ratio | 33.5651% | 412 |
| Memoranda: | ||
| Average total assets | $123,569,000 | 4,412 |
| Average earning assets | $113,069,600 | 4,395 |
| Average equity | $22,879,000 | 2,781 |
| Average total loans | $71,114,600 | 4,637 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 6,642 |
| Cost of funding earning assets | 0.7887% | 6,794 |
| Net interest margin | 3.6960% | 4,419 |
| Noninterest income to average assets | 1.1179% | 1,120 |
| Noninterest expense to average assets | 3.2114% | 2,885 |
| Loan and lease loss provision to assets | 0.1890% | 5,156 |
| Net operating income to assets | 0.6899% | 3,467 |
| Return on assets (ROA) | 0.6899% | 3,623 |
| Pretax return on assets | 1.0929% | 2,848 |
| Return on Equity (ROE) | 3.7009% | 4,913 |
| Retained earnings to average equity (ytd only) | 0.2040% | 5,696 |
| Net charge-offs to loans | 0.2313% | 4,548 |
| Credit loss provision to net charge-offs | 140.3226% | 2,833 |
| Earnings coverage of net charge-offs (x) | 9.5161% | 2,011 |
| Efficiency ratio | 67.3356% | 4,600 |
| Assets per employee ($millions) | 3.5000% | 4,980 |
| Cash dividends to net income (ytd only)* | 94.4877% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 3,300 |
| Loan loss allowance to noncurrent loans | 102.4327% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 1.2775% | 4,590 |
| Noncurrent loans to loans | 1.6205% | 4,217 |
| Net loans and leases to total assets | 57.0199% | 5,411 |
| Net loans and leases to deposits | 73.3118% | 4,636 |
| Net loans and leases to core deposits | 75.2143% | 5,156 |
| Total domestic deposits to total assets | 77.7773% | 6,298 |
| Equity capital to assets | 18.6586% | 368 |
| Core capital (leverage) ratio | 16.6713% | 469 |
| Tier 1 risk-based capital ratio | 31.8627% | 441 |
| Total risk-based capital ratio | 33.1206% | 430 |
| Memoranda: | ||
| Average total assets | $122,725,250 | 4,484 |
| Average earning assets | $112,081,000 | 4,480 |
| Average equity | $22,876,750 | 2,820 |
| Average total loans | $71,481,250 | 4,702 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4797% | 6,754 |
| Cost of funding earning assets | 0.7853% | 6,963 |
| Net interest margin | 3.6944% | 4,387 |
| Noninterest income to average assets | 1.1042% | 1,085 |
| Noninterest expense to average assets | 3.1710% | 3,013 |
| Loan and lease loss provision to assets | 0.1466% | 5,431 |
| Net operating income to assets | 0.7313% | 3,269 |
| Return on assets (ROA) | 0.7313% | 3,422 |
| Pretax return on assets | 1.1580% | 2,555 |
| Return on Equity (ROE) | 3.9243% | 4,814 |
| Retained earnings to average equity (ytd only) | 0.4283% | 5,595 |
| Net charge-offs to loans | 0.1508% | 4,733 |
| Credit loss provision to net charge-offs | 166.6667% | 2,354 |
| Earnings coverage of net charge-offs (x) | 14.8333% | 1,498 |
| Efficiency ratio | 66.7031% | 4,840 |
| Assets per employee ($millions) | 3.4099% | 5,158 |
| Cash dividends to net income (ytd only)* | 89.0869% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 3,383 |
| Loan loss allowance to noncurrent loans | 82.3322% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.3577% | 4,451 |
| Noncurrent loans to loans | 1.9626% | 3,772 |
| Net loans and leases to total assets | 56.2215% | 5,670 |
| Net loans and leases to deposits | 73.5301% | 4,751 |
| Net loans and leases to core deposits | 75.4125% | 5,260 |
| Total domestic deposits to total assets | 76.4606% | 6,607 |
| Equity capital to assets | 18.0982% | 411 |
| Core capital (leverage) ratio | 16.8006% | 464 |
| Tier 1 risk-based capital ratio | 30.9073% | 461 |
| Total risk-based capital ratio | 32.1635% | 460 |
| Memoranda: | ||
| Average total assets | $122,800,000 | 4,508 |
| Average earning assets | $112,060,330 | 4,505 |
| Average equity | $22,883,330 | 2,811 |
| Average total loans | $71,632,000 | 4,728 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5529% | 6,671 |
| Cost of funding earning assets | 0.7992% | 7,091 |
| Net interest margin | 3.7537% | 3,991 |
| Noninterest income to average assets | 1.1262% | 985 |
| Noninterest expense to average assets | 3.3224% | 2,459 |
| Loan and lease loss provision to assets | 0.1651% | 4,875 |
| Net operating income to assets | 0.6737% | 3,555 |
| Return on assets (ROA) | 0.6737% | 3,671 |
| Pretax return on assets | 1.0667% | 2,855 |
| Return on Equity (ROE) | 3.5621% | 5,089 |
| Retained earnings to average equity (ytd only) | 0.0698% | 5,794 |
| Net charge-offs to loans | 0.1681% | 3,918 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 12.4333% | 1,567 |
| Efficiency ratio | 68.8180% | 4,548 |
| Assets per employee ($millions) | 3.5888% | 4,850 |
| Cash dividends to net income (ytd only)* | 98.0392% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6146% | 3,380 |
| Loan loss allowance to noncurrent loans | 90.6151% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.1875% | 4,799 |
| Noncurrent loans to loans | 1.7819% | 4,078 |
| Net loans and leases to total assets | 57.3779% | 5,541 |
| Net loans and leases to deposits | 75.0622% | 4,567 |
| Net loans and leases to core deposits | 76.2533% | 5,223 |
| Total domestic deposits to total assets | 76.4406% | 6,671 |
| Equity capital to assets | 18.7971% | 352 |
| Core capital (leverage) ratio | 16.6305% | 487 |
| Tier 1 risk-based capital ratio | 31.2114% | 465 |
| Total risk-based capital ratio | 32.4679% | 457 |
| Memoranda: | ||
| Average total assets | $121,116,500 | 4,600 |
| Average earning assets | $110,610,500 | 4,593 |
| Average equity | $22,908,000 | 2,830 |
| Average total loans | $71,399,000 | 4,808 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9682% | 6,533 |
| Cost of funding earning assets | 0.9558% | 7,293 |
| Net interest margin | 4.0124% | 2,816 |
| Noninterest income to average assets | 1.2077% | 1,057 |
| Noninterest expense to average assets | 3.2121% | 3,336 |
| Loan and lease loss provision to assets | 0.2204% | 5,600 |
| Net operating income to assets | 0.9163% | 2,122 |
| Return on assets (ROA) | 0.9163% | 2,188 |
| Pretax return on assets | 1.4141% | 1,393 |
| Return on Equity (ROE) | 4.9186% | 3,702 |
| Retained earnings to average equity (ytd only) | 1.3737% | 4,096 |
| Net charge-offs to loans | 0.2658% | 4,958 |
| Credit loss provision to net charge-offs | 137.6289% | 3,574 |
| Earnings coverage of net charge-offs (x) | 10.2062% | 1,712 |
| Efficiency ratio | 62.3914% | 6,076 |
| Assets per employee ($millions) | 3.3393% | 5,405 |
| Cash dividends to net income (ytd only)* | 72.0721% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5760% | 3,369 |
| Loan loss allowance to noncurrent loans | 73.4070% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.3027% | 4,478 |
| Noncurrent loans to loans | 2.1469% | 3,457 |
| Net loans and leases to total assets | 58.6521% | 5,541 |
| Net loans and leases to deposits | 77.3267% | 4,499 |
| Net loans and leases to core deposits | 86.4355% | 5,480 |
| Total domestic deposits to total assets | 75.8497% | 6,705 |
| Equity capital to assets | 19.0327% | 360 |
| Core capital (leverage) ratio | 17.5290% | 433 |
| Tier 1 risk-based capital ratio | 30.4347% | 500 |
| Total risk-based capital ratio | 31.6908% | 486 |
| Memoranda: | ||
| Average total assets | $121,137,400 | 4,532 |
| Average earning assets | $109,859,600 | 4,567 |
| Average equity | $22,567,400 | 2,881 |
| Average total loans | $72,992,400 | 4,764 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0265% | 6,526 |
| Cost of funding earning assets | 0.9956% | 7,397 |
| Net interest margin | 4.0309% | 2,679 |
| Noninterest income to average assets | 1.2084% | 1,054 |
| Noninterest expense to average assets | 3.2243% | 3,219 |
| Loan and lease loss provision to assets | 0.1483% | 5,876 |
| Net operating income to assets | 0.9612% | 2,191 |
| Return on assets (ROA) | 0.9612% | 2,253 |
| Pretax return on assets | 1.4874% | 1,448 |
| Return on Equity (ROE) | 5.1875% | 3,885 |
| Retained earnings to average equity (ytd only) | 1.6304% | 4,402 |
| Net charge-offs to loans | 0.1545% | 5,168 |
| Credit loss provision to net charge-offs | 158.8235% | 2,992 |
| Earnings coverage of net charge-offs (x) | 17.5177% | 1,399 |
| Efficiency ratio | 62.4774% | 6,022 |
| Assets per employee ($millions) | 3.4697% | 5,004 |
| Cash dividends to net income (ytd only)* | 68.5713% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 3,386 |
| Loan loss allowance to noncurrent loans | 102.5023% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 5,300 |
| Noncurrent loans to loans | 1.4727% | 4,472 |
| Net loans and leases to total assets | 59.4211% | 5,677 |
| Net loans and leases to deposits | 82.1898% | 3,987 |
| Net loans and leases to core deposits | 92.4312% | 5,190 |
| Total domestic deposits to total assets | 72.2974% | 7,173 |
| Equity capital to assets | 18.6652% | 446 |
| Core capital (leverage) ratio | 17.2306% | 519 |
| Tier 1 risk-based capital ratio | 29.7188% | 584 |
| Total risk-based capital ratio | 30.9733% | 571 |
| Memoranda: | ||
| Average total assets | $121,368,250 | 4,565 |
| Average earning assets | $109,948,500 | 4,596 |
| Average equity | $22,489,250 | 2,912 |
| Average total loans | $73,331,250 | 4,798 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0816% | 6,505 |
| Cost of funding earning assets | 1.0496% | 7,465 |
| Net interest margin | 4.0320% | 2,573 |
| Noninterest income to average assets | 1.1026% | 1,305 |
| Noninterest expense to average assets | 3.2173% | 3,282 |
| Loan and lease loss provision to assets | 0.1731% | 5,331 |
| Net operating income to assets | 0.8703% | 2,573 |
| Return on assets (ROA) | 0.8703% | 2,680 |
| Pretax return on assets | 1.3466% | 1,891 |
| Return on Equity (ROE) | 4.7080% | 4,209 |
| Retained earnings to average equity (ytd only) | 1.1413% | 4,698 |
| Net charge-offs to loans | 0.2045% | 4,247 |
| Credit loss provision to net charge-offs | 140.0000% | 3,336 |
| Earnings coverage of net charge-offs (x) | 12.2933% | 1,831 |
| Efficiency ratio | 63.9527% | 5,929 |
| Assets per employee ($millions) | 3.2536% | 5,440 |
| Cash dividends to net income (ytd only)* | 75.7576% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5063% | 3,152 |
| Loan loss allowance to noncurrent loans | 119.0789% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.7376% | 5,574 |
| Noncurrent loans to loans | 1.2649% | 4,671 |
| Net loans and leases to total assets | 57.4354% | 6,042 |
| Net loans and leases to deposits | 77.2592% | 4,982 |
| Net loans and leases to core deposits | 85.7747% | 5,925 |
| Total domestic deposits to total assets | 74.3412% | 6,903 |
| Equity capital to assets | 18.1975% | 531 |
| Core capital (leverage) ratio | 16.6109% | 663 |
| Tier 1 risk-based capital ratio | 26.9622% | 786 |
| Total risk-based capital ratio | 28.2155% | 765 |
| Memoranda: | ||
| Average total assets | $121,344,330 | 4,595 |
| Average earning assets | $109,376,000 | 4,640 |
| Average equity | $22,430,000 | 2,925 |
| Average total loans | $73,352,670 | 4,830 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2165% | 6,228 |
| Cost of funding earning assets | 1.1740% | 7,356 |
| Net interest margin | 4.0425% | 2,481 |
| Noninterest income to average assets | 1.0849% | 1,269 |
| Noninterest expense to average assets | 3.2214% | 2,894 |
| Loan and lease loss provision to assets | 0.1331% | 5,256 |
| Net operating income to assets | 0.8885% | 2,743 |
| Return on assets (ROA) | 0.8885% | 2,894 |
| Pretax return on assets | 1.3744% | 2,045 |
| Return on Equity (ROE) | 4.7688% | 4,566 |
| Retained earnings to average equity (ytd only) | 1.1967% | 5,161 |
| Net charge-offs to loans | 0.1406% | 3,835 |
| Credit loss provision to net charge-offs | 153.8462% | 2,714 |
| Earnings coverage of net charge-offs (x) | 17.4231% | 1,511 |
| Efficiency ratio | 64.1098% | 5,671 |
| Assets per employee ($millions) | 3.2863% | 5,353 |
| Cash dividends to net income (ytd only)* | 74.9064% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 3,073 |
| Loan loss allowance to noncurrent loans | 116.1781% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.7961% | 5,185 |
| Noncurrent loans to loans | 1.2766% | 4,429 |
| Net loans and leases to total assets | 58.4511% | 5,871 |
| Net loans and leases to deposits | 79.4263% | 4,698 |
| Net loans and leases to core deposits | 88.9758% | 5,648 |
| Total domestic deposits to total assets | 73.5916% | 6,949 |
| Equity capital to assets | 18.4318% | 550 |
| Core capital (leverage) ratio | 16.4875% | 717 |
| Tier 1 risk-based capital ratio | 27.4691% | 789 |
| Total risk-based capital ratio | 28.7214% | 768 |
| Memoranda: | ||
| Average total assets | $120,197,500 | 4,647 |
| Average earning assets | $108,349,500 | 4,681 |
| Average equity | $22,395,500 | 2,929 |
| Average total loans | $73,980,000 | 4,833 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0101% | 5,501 |
| Cost of funding earning assets | 1.4813% | 7,637 |
| Net interest margin | 4.5289% | 1,354 |
| Noninterest income to average assets | 1.1974% | 1,050 |
| Noninterest expense to average assets | 2.9436% | 4,283 |
| Loan and lease loss provision to assets | 0.0783% | 6,418 |
| Net operating income to assets | 1.4556% | 1,115 |
| Return on assets (ROA) | 1.4556% | 1,065 |
| Pretax return on assets | 2.2516% | 357 |
| Return on Equity (ROE) | 7.7113% | 3,194 |
| Retained earnings to average equity (ytd only) | 0.6529% | 4,847 |
| Net charge-offs to loans | -0.0014% | 7,729 |
| Credit loss provision to net charge-offs | -9,400.0000% | 7,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2185% | 7,463 |
| Assets per employee ($millions) | 3.1263% | 5,696 |
| Cash dividends to net income (ytd only)* | 91.5332% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 3,239 |
| Loan loss allowance to noncurrent loans | 110.3448% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.8055% | 4,830 |
| Noncurrent loans to loans | 1.2622% | 3,983 |
| Net loans and leases to total assets | 62.9296% | 5,467 |
| Net loans and leases to deposits | 84.9161% | 4,269 |
| Net loans and leases to core deposits | 94.9889% | 5,350 |
| Total domestic deposits to total assets | 74.1080% | 6,641 |
| Equity capital to assets | 18.8374% | 566 |
| Core capital (leverage) ratio | 16.7806% | 727 |
| Tier 1 risk-based capital ratio | 26.3433% | 871 |
| Total risk-based capital ratio | 27.5950% | 855 |
| Memoranda: | ||
| Average total assets | $120,091,200 | 4,518 |
| Average earning assets | $108,084,200 | 4,560 |
| Average equity | $22,668,000 | 2,884 |
| Average total loans | $72,595,000 | 4,784 |