Home > The Farmers State Bank of Highland, Kansas > Performance and Condition Ratios
The Farmers State Bank of Highland, Kansas, 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 | 2.5460% | 7,415 |
| Cost of funding earning assets | 0.3424% | 7,242 |
| Net interest margin | 2.2035% | 7,314 |
| Noninterest income to average assets | 0.1251% | 6,703 |
| Noninterest expense to average assets | 2.3348% | 6,036 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.1529% | 6,419 |
| Return on assets (ROA) | 0.1251% | 6,040 |
| Pretax return on assets | 0.1251% | 6,058 |
| Return on Equity (ROE) | 0.8776% | 6,117 |
| Retained earnings to average equity (ytd only) | 0.8776% | 5,519 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0064% | 534 |
| Assets per employee ($millions) | 3.0812% | 5,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8443% | 462 |
| Loan loss allowance to noncurrent loans | 278.9474% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 6,210 |
| Noncurrent loans to loans | 1.3781% | 4,345 |
| Net loans and leases to total assets | 25.8146% | 7,287 |
| Net loans and leases to deposits | 29.8462% | 7,310 |
| Net loans and leases to core deposits | 29.8462% | 7,321 |
| Total domestic deposits to total assets | 86.4923% | 3,044 |
| Equity capital to assets | 13.3000% | 1,383 |
| Core capital (leverage) ratio | 16.1141% | 494 |
| Tier 1 risk-based capital ratio | 31.7288% | 465 |
| Total risk-based capital ratio | 32.9873% | 457 |
| Memoranda: | ||
| Average total assets | $14,390,670 | 7,445 |
| Average earning assets | $13,433,000 | 7,424 |
| Average equity | $2,051,000 | 7,336 |
| Average total loans | $3,915,000 | 7,436 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6944% | 7,455 |
| Cost of funding earning assets | 0.3716% | 7,283 |
| Net interest margin | 2.3228% | 7,301 |
| Noninterest income to average assets | 0.1441% | 6,691 |
| Noninterest expense to average assets | 2.5931% | 5,253 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2881% | 6,649 |
| Return on assets (ROA) | -0.2881% | 6,665 |
| Pretax return on assets | -0.2881% | 6,613 |
| Return on Equity (ROE) | -1.9493% | 6,578 |
| Retained earnings to average equity (ytd only) | -1.9493% | 6,136 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5000% | 450 |
| Assets per employee ($millions) | 3.0552% | 6,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3874% | 315 |
| Loan loss allowance to noncurrent loans | 274.1379% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3797% | 6,253 |
| Noncurrent loans to loans | 1.6004% | 4,083 |
| Net loans and leases to total assets | 22.6826% | 7,393 |
| Net loans and leases to deposits | 26.2381% | 7,408 |
| Net loans and leases to core deposits | 26.2381% | 7,415 |
| Total domestic deposits to total assets | 86.4493% | 3,265 |
| Equity capital to assets | 13.3477% | 1,243 |
| Core capital (leverage) ratio | 15.7646% | 545 |
| Tier 1 risk-based capital ratio | 33.3556% | 393 |
| Total risk-based capital ratio | 34.6244% | 388 |
| Memoranda: | ||
| Average total assets | $13,883,000 | 7,509 |
| Average earning assets | $12,915,500 | 7,488 |
| Average equity | $2,052,000 | 7,387 |
| Average total loans | $3,804,500 | 7,496 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1759% | 7,468 |
| Cost of funding earning assets | 0.3942% | 7,429 |
| Net interest margin | 2.7817% | 7,050 |
| Noninterest income to average assets | 0.1589% | 6,585 |
| Noninterest expense to average assets | 2.6604% | 5,178 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0829% | 5,631 |
| Return on assets (ROA) | 0.0829% | 5,765 |
| Pretax return on assets | 0.0829% | 5,730 |
| Return on Equity (ROE) | 0.5840% | 5,814 |
| Retained earnings to average equity (ytd only) | 0.5840% | 5,290 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9773% | 926 |
| Assets per employee ($millions) | 2.4980% | 7,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9900% | 408 |
| Loan loss allowance to noncurrent loans | 269.4915% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.4724% | 6,100 |
| Noncurrent loans to loans | 1.4806% | 4,261 |
| Net loans and leases to total assets | 30.6325% | 7,333 |
| Net loans and leases to deposits | 36.7920% | 7,332 |
| Net loans and leases to core deposits | 36.7920% | 7,374 |
| Total domestic deposits to total assets | 83.2586% | 4,691 |
| Equity capital to assets | 16.5332% | 508 |
| Core capital (leverage) ratio | 14.3582% | 777 |
| Tier 1 risk-based capital ratio | 35.1541% | 344 |
| Total risk-based capital ratio | 36.4146% | 337 |
| Memoranda: | ||
| Average total assets | $14,471,400 | 7,579 |
| Average earning assets | $13,445,000 | 7,558 |
| Average equity | $2,054,800 | 7,495 |
| Average total loans | $4,243,600 | 7,572 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1385% | 7,605 |
| Cost of funding earning assets | 0.4031% | 7,567 |
| Net interest margin | 2.7354% | 7,195 |
| Noninterest income to average assets | 0.1604% | 6,715 |
| Noninterest expense to average assets | 2.5211% | 5,633 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1782% | 5,567 |
| Return on assets (ROA) | 0.1782% | 5,734 |
| Pretax return on assets | 0.1782% | 5,774 |
| Return on Equity (ROE) | 1.2995% | 5,820 |
| Retained earnings to average equity (ytd only) | 1.2995% | 5,291 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3993% | 1,032 |
| Assets per employee ($millions) | 3.0508% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5263% | 528 |
| Loan loss allowance to noncurrent loans | 369.7674% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 6,672 |
| Noncurrent loans to loans | 0.9536% | 5,327 |
| Net loans and leases to total assets | 28.5171% | 7,498 |
| Net loans and leases to deposits | 33.0472% | 7,533 |
| Net loans and leases to core deposits | 33.0472% | 7,546 |
| Total domestic deposits to total assets | 86.2921% | 2,924 |
| Equity capital to assets | 13.4850% | 1,355 |
| Core capital (leverage) ratio | 13.9419% | 931 |
| Tier 1 risk-based capital ratio | 30.0402% | 510 |
| Total risk-based capital ratio | 31.3068% | 499 |
| Memoranda: | ||
| Average total assets | $14,966,750 | 7,667 |
| Average earning assets | $13,891,750 | 7,648 |
| Average equity | $2,052,250 | 7,590 |
| Average total loans | $4,308,250 | 7,669 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1071% | 7,697 |
| Cost of funding earning assets | 0.4046% | 7,654 |
| Net interest margin | 2.7024% | 7,253 |
| Noninterest income to average assets | 0.1614% | 6,738 |
| Noninterest expense to average assets | 2.5419% | 5,558 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1345% | 5,773 |
| Return on assets (ROA) | 0.1345% | 5,882 |
| Pretax return on assets | 0.1345% | 5,915 |
| Return on Equity (ROE) | 0.9753% | 5,965 |
| Retained earnings to average equity (ytd only) | 0.9753% | 5,379 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9749% | 1,011 |
| Assets per employee ($millions) | 2.9244% | 6,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6038% | 511 |
| Loan loss allowance to noncurrent loans | 378.5714% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 6,698 |
| Noncurrent loans to loans | 0.9519% | 5,401 |
| Net loans and leases to total assets | 29.0863% | 7,558 |
| Net loans and leases to deposits | 33.9020% | 7,579 |
| Net loans and leases to core deposits | 33.9020% | 7,604 |
| Total domestic deposits to total assets | 85.7954% | 3,209 |
| Equity capital to assets | 14.0268% | 1,149 |
| Core capital (leverage) ratio | 13.6503% | 1,017 |
| Tier 1 risk-based capital ratio | 30.8437% | 463 |
| Total risk-based capital ratio | 32.1039% | 463 |
| Memoranda: | ||
| Average total assets | $14,871,000 | 7,732 |
| Average earning assets | $13,839,330 | 7,709 |
| Average equity | $2,050,670 | 7,653 |
| Average total loans | $4,241,330 | 7,737 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1288% | 7,786 |
| Cost of funding earning assets | 0.4267% | 7,754 |
| Net interest margin | 2.7021% | 7,301 |
| Noninterest income to average assets | 0.1600% | 6,825 |
| Noninterest expense to average assets | 2.5074% | 5,698 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1867% | 5,732 |
| Return on assets (ROA) | 0.1867% | 5,860 |
| Pretax return on assets | 0.1867% | 5,917 |
| Return on Equity (ROE) | 1.3655% | 6,010 |
| Retained earnings to average equity (ytd only) | 1.3655% | 5,265 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0693% | 1,198 |
| Assets per employee ($millions) | 3.1338% | 5,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0263% | 368 |
| Loan loss allowance to noncurrent loans | 361.3636% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 6,777 |
| Noncurrent loans to loans | 1.1142% | 5,132 |
| Net loans and leases to total assets | 24.1879% | 7,727 |
| Net loans and leases to deposits | 27.8717% | 7,756 |
| Net loans and leases to core deposits | 27.8717% | 7,768 |
| Total domestic deposits to total assets | 86.7828% | 2,744 |
| Equity capital to assets | 13.0449% | 1,506 |
| Core capital (leverage) ratio | 12.1948% | 1,551 |
| Tier 1 risk-based capital ratio | 32.0377% | 437 |
| Total risk-based capital ratio | 33.3013% | 431 |
| Memoranda: | ||
| Average total assets | $14,995,500 | 7,832 |
| Average earning assets | $14,063,000 | 7,805 |
| Average equity | $2,050,500 | 7,741 |
| Average total loans | $4,156,000 | 7,841 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3438% | 7,528 |
| Cost of funding earning assets | 0.5813% | 7,782 |
| Net interest margin | 3.7625% | 3,864 |
| Noninterest income to average assets | 0.2166% | 6,563 |
| Noninterest expense to average assets | 2.8829% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8066% | 2,516 |
| Return on assets (ROA) | 0.8066% | 2,597 |
| Pretax return on assets | 0.8141% | 3,195 |
| Return on Equity (ROE) | 5.2529% | 3,559 |
| Retained earnings to average equity (ytd only) | 5.2529% | 1,698 |
| Net charge-offs to loans | 0.0222% | 6,924 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 258 |
| Efficiency ratio | 77.9798% | 3,194 |
| Assets per employee ($millions) | 2.8644% | 6,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6443% | 471 |
| Loan loss allowance to noncurrent loans | 361.3636% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 6,670 |
| Noncurrent loans to loans | 1.0085% | 5,297 |
| Net loans and leases to total assets | 29.3534% | 7,726 |
| Net loans and leases to deposits | 34.3520% | 7,757 |
| Net loans and leases to core deposits | 35.0187% | 7,823 |
| Total domestic deposits to total assets | 85.4490% | 3,319 |
| Equity capital to assets | 14.3625% | 1,056 |
| Core capital (leverage) ratio | 14.6592% | 849 |
| Tier 1 risk-based capital ratio | 31.5673% | 457 |
| Total risk-based capital ratio | 32.8325% | 447 |
| Memoranda: | ||
| Average total assets | $13,389,400 | 7,928 |
| Average earning assets | $12,385,400 | 7,906 |
| Average equity | $2,056,000 | 7,832 |
| Average total loans | $4,503,200 | 7,906 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 7,507 |
| Cost of funding earning assets | 0.6270% | 7,871 |
| Net interest margin | 3.8722% | 3,338 |
| Noninterest income to average assets | 0.2128% | 6,707 |
| Noninterest expense to average assets | 2.8984% | 4,461 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8513% | 2,611 |
| Return on assets (ROA) | 0.8513% | 2,675 |
| Pretax return on assets | 0.8817% | 3,281 |
| Return on Equity (ROE) | 5.4481% | 3,761 |
| Retained earnings to average equity (ytd only) | 5.4481% | 2,230 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6756% | 3,386 |
| Assets per employee ($millions) | 2.5422% | 7,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1683% | 580 |
| Loan loss allowance to noncurrent loans | 355.5556% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 6,598 |
| Noncurrent loans to loans | 0.8911% | 5,502 |
| Net loans and leases to total assets | 38.4706% | 7,532 |
| Net loans and leases to deposits | 46.0973% | 7,565 |
| Net loans and leases to core deposits | 47.1325% | 7,749 |
| Total domestic deposits to total assets | 83.4553% | 3,988 |
| Equity capital to assets | 16.2143% | 759 |
| Core capital (leverage) ratio | 15.2461% | 812 |
| Tier 1 risk-based capital ratio | 30.1129% | 558 |
| Total risk-based capital ratio | 31.3797% | 543 |
| Memoranda: | ||
| Average total assets | $13,156,250 | 8,011 |
| Average earning assets | $12,120,250 | 7,990 |
| Average equity | $2,055,750 | 7,912 |
| Average total loans | $4,538,250 | 7,982 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 7,752 |
| Cost of funding earning assets | 0.6515% | 7,956 |
| Net interest margin | 3.6975% | 3,957 |
| Noninterest income to average assets | 0.2105% | 6,796 |
| Noninterest expense to average assets | 2.9012% | 4,497 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6915% | 3,292 |
| Return on assets (ROA) | 0.6915% | 3,407 |
| Pretax return on assets | 0.7216% | 3,929 |
| Return on Equity (ROE) | 4.4791% | 4,313 |
| Retained earnings to average equity (ytd only) | 4.4791% | 2,804 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0830% | 3,030 |
| Assets per employee ($millions) | 2.5154% | 7,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2555% | 464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 37.5686% | 7,652 |
| Net loans and leases to deposits | 45.0601% | 7,671 |
| Net loans and leases to core deposits | 46.0706% | 7,832 |
| Total domestic deposits to total assets | 83.3744% | 4,078 |
| Equity capital to assets | 16.2837% | 784 |
| Core capital (leverage) ratio | 14.1076% | 1,114 |
| Tier 1 risk-based capital ratio | 30.5205% | 570 |
| Total risk-based capital ratio | 31.7823% | 556 |
| Memoranda: | ||
| Average total assets | $13,304,670 | 8,099 |
| Average earning assets | $12,278,670 | 8,079 |
| Average equity | $2,054,000 | 7,993 |
| Average total loans | $4,367,670 | 8,074 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2495% | 7,877 |
| Cost of funding earning assets | 0.7029% | 7,990 |
| Net interest margin | 3.5466% | 4,536 |
| Noninterest income to average assets | 0.2341% | 6,588 |
| Noninterest expense to average assets | 2.7801% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6731% | 3,695 |
| Return on assets (ROA) | 0.6731% | 3,879 |
| Pretax return on assets | 0.7023% | 4,431 |
| Return on Equity (ROE) | 4.4725% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.4725% | 3,440 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8319% | 2,846 |
| Assets per employee ($millions) | 2.8132% | 6,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9572% | 231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 27.4349% | 7,973 |
| Net loans and leases to deposits | 32.2040% | 8,009 |
| Net loans and leases to core deposits | 32.8342% | 8,062 |
| Total domestic deposits to total assets | 85.1912% | 3,108 |
| Equity capital to assets | 14.5386% | 1,222 |
| Core capital (leverage) ratio | 14.9402% | 985 |
| Tier 1 risk-based capital ratio | 32.3679% | 515 |
| Total risk-based capital ratio | 33.6382% | 502 |
| Memoranda: | ||
| Average total assets | $13,668,500 | 8,150 |
| Average earning assets | $12,519,000 | 8,127 |
| Average equity | $2,057,000 | 8,045 |
| Average total loans | $4,109,500 | 8,132 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4483% | 7,399 |
| Cost of funding earning assets | 1.1052% | 8,003 |
| Net interest margin | 4.3431% | 1,844 |
| Noninterest income to average assets | 0.2631% | 6,571 |
| Noninterest expense to average assets | 3.1807% | 3,413 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0522% | 2,343 |
| Return on assets (ROA) | 1.0522% | 2,238 |
| Pretax return on assets | 1.0921% | 3,053 |
| Return on Equity (ROE) | 6.4935% | 3,755 |
| Retained earnings to average equity (ytd only) | 1.5742% | 4,274 |
| Net charge-offs to loans | -0.1137% | 8,106 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4403% | 3,500 |
| Assets per employee ($millions) | 2.6542% | 6,880 |
| Cash dividends to net income (ytd only)* | 75.7576% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8086% | 216 |
| Loan loss allowance to noncurrent loans | 444.4444% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 6,490 |
| Noncurrent loans to loans | 0.8569% | 4,907 |
| Net loans and leases to total assets | 30.4499% | 7,976 |
| Net loans and leases to deposits | 36.1967% | 8,023 |
| Net loans and leases to core deposits | 36.9480% | 8,098 |
| Total domestic deposits to total assets | 84.1233% | 3,260 |
| Equity capital to assets | 15.5904% | 1,027 |
| Core capital (leverage) ratio | 14.5655% | 1,128 |
| Tier 1 risk-based capital ratio | 31.9790% | 548 |
| Total risk-based capital ratio | 33.2487% | 534 |
| Memoranda: | ||
| Average total assets | $12,544,600 | 8,213 |
| Average earning assets | $11,581,600 | 8,195 |
| Average equity | $2,032,800 | 8,112 |
| Average total loans | $4,396,600 | 8,183 |