Home > The First National Bank of Olathe > Performance and Condition Ratios
The First National Bank of Olathe, 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 | 3.8602% | 6,856 |
| Cost of funding earning assets | 2.2423% | 63 |
| Net interest margin | 1.6179% | 7,435 |
| Noninterest income to average assets | 0.6837% | 2,634 |
| Noninterest expense to average assets | 4.0679% | 950 |
| Loan and lease loss provision to assets | 1.7767% | 377 |
| Net operating income to assets | -3.8867% | 7,384 |
| Return on assets (ROA) | -3.8728% | 7,386 |
| Pretax return on assets | -3.8728% | 7,381 |
| Return on Equity (ROE) | -186.2759% | 7,485 |
| Retained earnings to average equity (ytd only) | -186.2759% | 7,485 |
| Net charge-offs to loans | 5.0866% | 118 |
| Credit loss provision to net charge-offs | 58.6579% | 4,375 |
| Earnings coverage of net charge-offs (x) | -0.6966% | 5,577 |
| Efficiency ratio | 207.7677% | 56 |
| Assets per employee ($millions) | 5.0289% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2916% | 48 |
| Loan loss allowance to noncurrent loans | 27.0301% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 33.5098% | 7 |
| Noncurrent loans to loans | 26.9759% | 22 |
| Net loans and leases to total assets | 51.0144% | 5,691 |
| Net loans and leases to deposits | 52.3573% | 6,439 |
| Net loans and leases to core deposits | 57.5059% | 6,305 |
| Total domestic deposits to total assets | 97.4352% | 9 |
| Equity capital to assets | 1.2959% | 7,493 |
| Core capital (leverage) ratio | 1.3362% | 7,491 |
| Tier 1 risk-based capital ratio | 1.8424% | 7,489 |
| Total risk-based capital ratio | 3.1448% | 7,489 |
| Memoranda: | ||
| Average total assets | $562,849,000 | 1,193 |
| Average earning assets | $443,291,000 | 1,382 |
| Average equity | $11,702,000 | 4,641 |
| Average total loans | $335,155,000 | 1,290 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9086% | 6,811 |
| Cost of funding earning assets | 2.2617% | 72 |
| Net interest margin | 1.6469% | 7,484 |
| Noninterest income to average assets | 0.2816% | 5,657 |
| Noninterest expense to average assets | 3.7376% | 1,465 |
| Loan and lease loss provision to assets | 2.4338% | 209 |
| Net operating income to assets | -4.5693% | 7,473 |
| Return on assets (ROA) | -4.4316% | 7,467 |
| Pretax return on assets | -4.4316% | 7,456 |
| Return on Equity (ROE) | -181.2249% | 7,533 |
| Retained earnings to average equity (ytd only) | -181.2249% | 7,529 |
| Net charge-offs to loans | 7.4556% | 68 |
| Credit loss provision to net charge-offs | 52.9421% | 3,692 |
| Earnings coverage of net charge-offs (x) | -0.4645% | 4,779 |
| Efficiency ratio | 233.2899% | 46 |
| Assets per employee ($millions) | 5.1503% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5366% | 80 |
| Loan loss allowance to noncurrent loans | 27.0503% | 6,468 |
| Noncurrent assets plus other real estate owned to assets | 29.9898% | 9 |
| Noncurrent loans to loans | 24.1645% | 42 |
| Net loans and leases to total assets | 55.0326% | 5,155 |
| Net loans and leases to deposits | 58.3364% | 5,895 |
| Net loans and leases to core deposits | 63.9853% | 5,729 |
| Total domestic deposits to total assets | 94.3367% | 66 |
| Equity capital to assets | 1.9632% | 7,536 |
| Core capital (leverage) ratio | 2.0567% | 7,529 |
| Tier 1 risk-based capital ratio | 2.7749% | 7,530 |
| Total risk-based capital ratio | 4.0741% | 7,531 |
| Memoranda: | ||
| Average total assets | $575,228,000 | 1,168 |
| Average earning assets | $461,240,500 | 1,339 |
| Average equity | $14,066,500 | 4,100 |
| Average total loans | $354,685,500 | 1,236 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 6,388 |
| Cost of funding earning assets | 2.4783% | 119 |
| Net interest margin | 2.0284% | 7,450 |
| Noninterest income to average assets | 0.6742% | 2,998 |
| Noninterest expense to average assets | 3.8009% | 1,488 |
| Loan and lease loss provision to assets | 1.8136% | 762 |
| Net operating income to assets | -3.1848% | 7,332 |
| Return on assets (ROA) | -3.1075% | 7,334 |
| Pretax return on assets | -3.1246% | 7,316 |
| Return on Equity (ROE) | -79.9963% | 7,550 |
| Retained earnings to average equity (ytd only) | -79.9963% | 7,548 |
| Net charge-offs to loans | 5.2542% | 154 |
| Credit loss provision to net charge-offs | 48.0704% | 6,291 |
| Earnings coverage of net charge-offs (x) | -0.3682% | 6,397 |
| Efficiency ratio | 157.5947% | 175 |
| Assets per employee ($millions) | 5.0328% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7374% | 69 |
| Loan loss allowance to noncurrent loans | 27.4882% | 6,442 |
| Noncurrent assets plus other real estate owned to assets | 29.2001% | 10 |
| Noncurrent loans to loans | 24.5101% | 49 |
| Net loans and leases to total assets | 60.0653% | 4,670 |
| Net loans and leases to deposits | 64.2735% | 5,596 |
| Net loans and leases to core deposits | 71.5714% | 5,257 |
| Total domestic deposits to total assets | 93.4527% | 111 |
| Equity capital to assets | 2.9217% | 7,569 |
| Core capital (leverage) ratio | 2.8274% | 7,569 |
| Tier 1 risk-based capital ratio | 3.8804% | 7,569 |
| Total risk-based capital ratio | 5.1852% | 7,570 |
| Memoranda: | ||
| Average total assets | $776,061,000 | 875 |
| Average earning assets | $664,811,200 | 919 |
| Average equity | $30,146,400 | 2,165 |
| Average total loans | $557,267,400 | 811 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 5,935 |
| Cost of funding earning assets | 2.5357% | 123 |
| Net interest margin | 2.1883% | 7,518 |
| Noninterest income to average assets | 0.8350% | 2,056 |
| Noninterest expense to average assets | 3.5966% | 1,803 |
| Loan and lease loss provision to assets | 0.0969% | 6,056 |
| Net operating income to assets | -0.9671% | 6,888 |
| Return on assets (ROA) | -0.8460% | 6,853 |
| Pretax return on assets | -0.8460% | 6,770 |
| Return on Equity (ROE) | -20.8710% | 7,241 |
| Retained earnings to average equity (ytd only) | -20.8710% | 7,227 |
| Net charge-offs to loans | 2.5064% | 674 |
| Credit loss provision to net charge-offs | 5.2896% | 6,352 |
| Earnings coverage of net charge-offs (x) | -0.4749% | 6,312 |
| Efficiency ratio | 131.9173% | 286 |
| Assets per employee ($millions) | 4.4477% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8512% | 67 |
| Loan loss allowance to noncurrent loans | 23.2840% | 6,745 |
| Noncurrent assets plus other real estate owned to assets | 29.9550% | 9 |
| Noncurrent loans to loans | 29.4245% | 19 |
| Net loans and leases to total assets | 63.2231% | 4,270 |
| Net loans and leases to deposits | 70.4590% | 5,079 |
| Net loans and leases to core deposits | 80.5729% | 4,431 |
| Total domestic deposits to total assets | 89.7303% | 1,006 |
| Equity capital to assets | 5.0940% | 7,570 |
| Core capital (leverage) ratio | 3.8802% | 7,630 |
| Tier 1 risk-based capital ratio | 6.6411% | 7,575 |
| Total risk-based capital ratio | 7.9509% | 7,576 |
| Memoranda: | ||
| Average total assets | $825,382,500 | 819 |
| Average earning assets | $713,410,000 | 861 |
| Average equity | $33,455,500 | 1,991 |
| Average total loans | $603,395,000 | 737 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5155% | 6,671 |
| Cost of funding earning assets | 2.4247% | 220 |
| Net interest margin | 2.0909% | 7,624 |
| Noninterest income to average assets | -0.0095% | 7,550 |
| Noninterest expense to average assets | 3.2921% | 2,589 |
| Loan and lease loss provision to assets | 0.1351% | 5,539 |
| Net operating income to assets | -1.6191% | 7,191 |
| Return on assets (ROA) | -1.5307% | 7,170 |
| Pretax return on assets | -1.5307% | 7,084 |
| Return on Equity (ROE) | -40.2276% | 7,535 |
| Retained earnings to average equity (ytd only) | -40.2276% | 7,528 |
| Net charge-offs to loans | 1.1589% | 1,635 |
| Credit loss provision to net charge-offs | 15.6740% | 5,887 |
| Earnings coverage of net charge-offs (x) | -1.7223% | 6,192 |
| Efficiency ratio | 182.0842% | 124 |
| Assets per employee ($millions) | 5.4826% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0041% | 104 |
| Loan loss allowance to noncurrent loans | 27.7345% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 22.5026% | 37 |
| Noncurrent loans to loans | 21.6483% | 61 |
| Net loans and leases to total assets | 66.6113% | 3,707 |
| Net loans and leases to deposits | 72.8245% | 4,866 |
| Net loans and leases to core deposits | 91.1233% | 3,104 |
| Total domestic deposits to total assets | 91.4683% | 336 |
| Equity capital to assets | 3.5506% | 7,723 |
| Core capital (leverage) ratio | 3.5014% | 7,710 |
| Tier 1 risk-based capital ratio | 4.5056% | 7,724 |
| Total risk-based capital ratio | 5.8082% | 7,728 |
| Memoranda: | ||
| Average total assets | $888,501,000 | 760 |
| Average earning assets | $772,316,330 | 796 |
| Average equity | $33,807,670 | 1,975 |
| Average total loans | $660,629,330 | 661 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 6,598 |
| Cost of funding earning assets | 2.4518% | 257 |
| Net interest margin | 2.1328% | 7,679 |
| Noninterest income to average assets | -0.5535% | 7,868 |
| Noninterest expense to average assets | 3.0153% | 3,620 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.7023% | 7,387 |
| Return on assets (ROA) | -1.5516% | 7,351 |
| Pretax return on assets | -1.5516% | 7,273 |
| Return on Equity (ROE) | -39.4943% | 7,648 |
| Retained earnings to average equity (ytd only) | -39.4943% | 7,631 |
| Net charge-offs to loans | 0.1583% | 3,976 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -14.1370% | 5,572 |
| Efficiency ratio | 229.6535% | 77 |
| Assets per employee ($millions) | 5.3794% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0239% | 100 |
| Loan loss allowance to noncurrent loans | 29.2262% | 6,449 |
| Noncurrent assets plus other real estate owned to assets | 20.4967% | 51 |
| Noncurrent loans to loans | 20.6111% | 68 |
| Net loans and leases to total assets | 70.3914% | 2,831 |
| Net loans and leases to deposits | 78.1881% | 4,007 |
| Net loans and leases to core deposits | 98.9375% | 2,242 |
| Total domestic deposits to total assets | 90.0282% | 974 |
| Equity capital to assets | 3.8205% | 7,809 |
| Core capital (leverage) ratio | 3.7919% | 7,792 |
| Tier 1 risk-based capital ratio | 4.7558% | 7,815 |
| Total risk-based capital ratio | 6.0603% | 7,815 |
| Memoranda: | ||
| Average total assets | $896,883,500 | 771 |
| Average earning assets | $784,891,000 | 792 |
| Average equity | $35,235,500 | 1,912 |
| Average total loans | $682,061,000 | 664 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2406% | 5,457 |
| Cost of funding earning assets | 2.7051% | 581 |
| Net interest margin | 2.5355% | 7,385 |
| Noninterest income to average assets | 0.6225% | 3,473 |
| Noninterest expense to average assets | 3.0295% | 4,028 |
| Loan and lease loss provision to assets | 6.7634% | 73 |
| Net operating income to assets | -5.8112% | 7,828 |
| Return on assets (ROA) | -5.5951% | 7,798 |
| Pretax return on assets | -6.6252% | 7,842 |
| Return on Equity (ROE) | -79.8377% | 7,863 |
| Retained earnings to average equity (ytd only) | -79.8377% | 7,859 |
| Net charge-offs to loans | 5.1517% | 238 |
| Credit loss provision to net charge-offs | 163.4914% | 2,683 |
| Earnings coverage of net charge-offs (x) | -0.0288% | 6,246 |
| Efficiency ratio | 104.0866% | 952 |
| Assets per employee ($millions) | 5.5254% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7658% | 111 |
| Loan loss allowance to noncurrent loans | 29.1232% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 19.0270% | 66 |
| Noncurrent loans to loans | 19.7979% | 72 |
| Net loans and leases to total assets | 72.7195% | 2,574 |
| Net loans and leases to deposits | 81.0357% | 3,790 |
| Net loans and leases to core deposits | 99.9199% | 4,006 |
| Total domestic deposits to total assets | 89.7376% | 1,084 |
| Equity capital to assets | 4.0346% | 7,858 |
| Core capital (leverage) ratio | 4.0511% | 7,844 |
| Tier 1 risk-based capital ratio | 4.9353% | 7,872 |
| Total risk-based capital ratio | 6.2364% | 7,873 |
| Memoranda: | ||
| Average total assets | $964,302,600 | 695 |
| Average earning assets | $870,203,600 | 697 |
| Average equity | $67,579,600 | 978 |
| Average total loans | $774,342,400 | 593 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3646% | 5,114 |
| Cost of funding earning assets | 2.7354% | 715 |
| Net interest margin | 2.6292% | 7,319 |
| Noninterest income to average assets | 0.4488% | 4,903 |
| Noninterest expense to average assets | 2.8625% | 4,602 |
| Loan and lease loss provision to assets | 7.8835% | 45 |
| Net operating income to assets | -6.6391% | 7,964 |
| Return on assets (ROA) | -6.3434% | 7,942 |
| Pretax return on assets | -7.5563% | 7,983 |
| Return on Equity (ROE) | -82.4214% | 7,972 |
| Retained earnings to average equity (ytd only) | -82.4214% | 7,971 |
| Net charge-offs to loans | 3.8618% | 374 |
| Credit loss provision to net charge-offs | 251.9415% | 1,705 |
| Earnings coverage of net charge-offs (x) | -0.0079% | 6,079 |
| Efficiency ratio | 100.8736% | 1,023 |
| Assets per employee ($millions) | 5.7389% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6220% | 59 |
| Loan loss allowance to noncurrent loans | 38.5468% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 15.7874% | 102 |
| Noncurrent loans to loans | 17.1791% | 99 |
| Net loans and leases to total assets | 75.6773% | 2,061 |
| Net loans and leases to deposits | 85.4788% | 3,419 |
| Net loans and leases to core deposits | 104.0519% | 3,927 |
| Total domestic deposits to total assets | 88.5334% | 1,418 |
| Equity capital to assets | 4.7971% | 7,963 |
| Core capital (leverage) ratio | 4.1407% | 7,975 |
| Tier 1 risk-based capital ratio | 4.8648% | 8,005 |
| Total risk-based capital ratio | 6.1783% | 8,005 |
| Memoranda: | ||
| Average total assets | $978,835,500 | 697 |
| Average earning assets | $889,359,500 | 696 |
| Average equity | $75,334,500 | 868 |
| Average total loans | $793,107,500 | 593 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4734% | 4,762 |
| Cost of funding earning assets | 2.7625% | 874 |
| Net interest margin | 2.7110% | 7,175 |
| Noninterest income to average assets | 0.4090% | 5,206 |
| Noninterest expense to average assets | 2.6893% | 5,423 |
| Loan and lease loss provision to assets | 5.4666% | 163 |
| Net operating income to assets | -3.2660% | 7,722 |
| Return on assets (ROA) | -2.8790% | 7,646 |
| Pretax return on assets | -4.6684% | 7,828 |
| Return on Equity (ROE) | -33.4799% | 7,761 |
| Retained earnings to average equity (ytd only) | -33.4799% | 7,737 |
| Net charge-offs to loans | 2.7875% | 596 |
| Credit loss provision to net charge-offs | 242.0537% | 1,915 |
| Earnings coverage of net charge-offs (x) | 0.0857% | 5,590 |
| Efficiency ratio | 93.2869% | 1,548 |
| Assets per employee ($millions) | 5.7418% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9783% | 263 |
| Loan loss allowance to noncurrent loans | 36.6136% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 10.6515% | 247 |
| Noncurrent loans to loans | 10.8657% | 288 |
| Net loans and leases to total assets | 79.3425% | 1,448 |
| Net loans and leases to deposits | 92.7633% | 2,323 |
| Net loans and leases to core deposits | 113.1960% | 2,997 |
| Total domestic deposits to total assets | 85.5322% | 3,000 |
| Equity capital to assets | 8.0435% | 6,702 |
| Core capital (leverage) ratio | 7.4094% | 7,129 |
| Tier 1 risk-based capital ratio | 8.4417% | 7,853 |
| Total risk-based capital ratio | 9.7221% | 7,880 |
| Memoranda: | ||
| Average total assets | $995,211,670 | 699 |
| Average earning assets | $908,168,000 | 694 |
| Average equity | $85,579,670 | 767 |
| Average total loans | $806,319,330 | 604 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4538% | 5,160 |
| Cost of funding earning assets | 2.7781% | 1,033 |
| Net interest margin | 2.6757% | 7,256 |
| Noninterest income to average assets | 0.3761% | 5,419 |
| Noninterest expense to average assets | 2.2865% | 6,579 |
| Loan and lease loss provision to assets | 2.2587% | 522 |
| Net operating income to assets | -1.0324% | 7,273 |
| Return on assets (ROA) | -0.3045% | 6,761 |
| Pretax return on assets | -0.5683% | 6,876 |
| Return on Equity (ROE) | -3.4388% | 6,831 |
| Retained earnings to average equity (ytd only) | -3.4388% | 6,354 |
| Net charge-offs to loans | 2.1467% | 669 |
| Credit loss provision to net charge-offs | 131.0697% | 3,060 |
| Earnings coverage of net charge-offs (x) | 0.3209% | 4,724 |
| Efficiency ratio | 80.5238% | 2,741 |
| Assets per employee ($millions) | 6.0001% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0139% | 1,386 |
| Loan loss allowance to noncurrent loans | 45.3095% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 5.0945% | 882 |
| Noncurrent loans to loans | 4.4448% | 1,300 |
| Net loans and leases to total assets | 81.3827% | 1,121 |
| Net loans and leases to deposits | 96.0943% | 1,927 |
| Net loans and leases to core deposits | 117.1867% | 2,667 |
| Total domestic deposits to total assets | 84.6905% | 3,368 |
| Equity capital to assets | 9.1504% | 5,152 |
| Core capital (leverage) ratio | 8.9037% | 4,857 |
| Tier 1 risk-based capital ratio | 10.1468% | 6,761 |
| Total risk-based capital ratio | 11.4040% | 6,666 |
| Memoranda: | ||
| Average total assets | $1,021,986,500 | 676 |
| Average earning assets | $940,929,000 | 668 |
| Average equity | $90,498,000 | 733 |
| Average total loans | $820,432,500 | 601 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5168% | 2,882 |
| Cost of funding earning assets | 3.0069% | 1,849 |
| Net interest margin | 3.5099% | 5,267 |
| Noninterest income to average assets | 0.4332% | 5,186 |
| Noninterest expense to average assets | 2.2407% | 6,863 |
| Loan and lease loss provision to assets | 0.8545% | 1,744 |
| Net operating income to assets | 0.4274% | 5,041 |
| Return on assets (ROA) | 0.4654% | 4,705 |
| Pretax return on assets | 0.6365% | 4,582 |
| Return on Equity (ROE) | 6.4618% | 3,774 |
| Retained earnings to average equity (ytd only) | 5.7304% | 1,651 |
| Net charge-offs to loans | 0.4027% | 2,798 |
| Credit loss provision to net charge-offs | 270.9558% | 1,698 |
| Earnings coverage of net charge-offs (x) | 4.5626% | 3,933 |
| Efficiency ratio | 60.8945% | 6,182 |
| Assets per employee ($millions) | 6.4603% | 903 |
| Cash dividends to net income (ytd only)* | 11.3184% | 4,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8093% | 1,609 |
| Loan loss allowance to noncurrent loans | 43.7476% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 3.6604% | 1,195 |
| Noncurrent loans to loans | 4.1357% | 1,176 |
| Net loans and leases to total assets | 76.3238% | 2,537 |
| Net loans and leases to deposits | 90.4819% | 3,369 |
| Net loans and leases to core deposits | 104.9872% | 4,295 |
| Total domestic deposits to total assets | 84.3525% | 3,152 |
| Equity capital to assets | 8.5842% | 5,962 |
| Core capital (leverage) ratio | 8.6295% | 5,324 |
| Tier 1 risk-based capital ratio | 9.8162% | 6,942 |
| Total risk-based capital ratio | 11.0709% | 6,824 |
| Memoranda: | ||
| Average total assets | $1,025,126,000 | 647 |
| Average earning assets | $948,161,800 | 632 |
| Average equity | $73,833,800 | 899 |
| Average total loans | $802,769,000 | 591 |