Home > The Harris Bank > Performance and Condition Ratios
The Harris 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 | 3.9504% | 6,740 |
| Cost of funding earning assets | 0.6045% | 6,438 |
| Net interest margin | 3.3459% | 5,722 |
| Noninterest income to average assets | 4.5951% | 144 |
| Noninterest expense to average assets | 4.9861% | 372 |
| Loan and lease loss provision to assets | 2.2610% | 246 |
| Net operating income to assets | 0.2683% | 5,485 |
| Return on assets (ROA) | 0.3464% | 5,323 |
| Pretax return on assets | 0.5632% | 4,872 |
| Return on Equity (ROE) | 3.1224% | 5,351 |
| Retained earnings to average equity (ytd only) | 3.1224% | 4,290 |
| Net charge-offs to loans | 2.6308% | 427 |
| Credit loss provision to net charge-offs | 107.9398% | 2,846 |
| Earnings coverage of net charge-offs (x) | 1.2900% | 4,323 |
| Efficiency ratio | 64.8525% | 5,083 |
| Assets per employee ($millions) | 5.7817% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2187% | 748 |
| Loan loss allowance to noncurrent loans | 96.2151% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 2.6465% | 2,520 |
| Noncurrent loans to loans | 3.3453% | 2,135 |
| Net loans and leases to total assets | 75.7810% | 1,107 |
| Net loans and leases to deposits | 94.7811% | 820 |
| Net loans and leases to core deposits | 97.7814% | 1,521 |
| Total domestic deposits to total assets | 79.9537% | 5,838 |
| Equity capital to assets | 11.1364% | 2,828 |
| Core capital (leverage) ratio | 8.4913% | 5,569 |
| Tier 1 risk-based capital ratio | 13.4320% | 4,583 |
| Total risk-based capital ratio | 14.7165% | 4,533 |
| Memoranda: | ||
| Average total assets | $640,942,330 | 1,025 |
| Average earning assets | $592,547,000 | 1,008 |
| Average equity | $71,099,330 | 956 |
| Average total loans | $510,332,000 | 844 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9524% | 6,761 |
| Cost of funding earning assets | 0.6094% | 6,572 |
| Net interest margin | 3.3431% | 5,634 |
| Noninterest income to average assets | 3.9182% | 168 |
| Noninterest expense to average assets | 4.9997% | 365 |
| Loan and lease loss provision to assets | 2.3593% | 222 |
| Net operating income to assets | -0.2210% | 6,586 |
| Return on assets (ROA) | -0.0640% | 6,440 |
| Pretax return on assets | -0.1016% | 6,449 |
| Return on Equity (ROE) | -0.5780% | 6,437 |
| Retained earnings to average equity (ytd only) | -0.5780% | 5,905 |
| Net charge-offs to loans | 2.6321% | 418 |
| Credit loss provision to net charge-offs | 111.6355% | 2,400 |
| Earnings coverage of net charge-offs (x) | 0.9522% | 3,940 |
| Efficiency ratio | 71.3008% | 3,987 |
| Assets per employee ($millions) | 5.7628% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1341% | 817 |
| Loan loss allowance to noncurrent loans | 89.6592% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 2.8735% | 2,401 |
| Noncurrent loans to loans | 3.4955% | 2,131 |
| Net loans and leases to total assets | 76.1161% | 1,018 |
| Net loans and leases to deposits | 94.3731% | 794 |
| Net loans and leases to core deposits | 97.1643% | 1,583 |
| Total domestic deposits to total assets | 80.6544% | 5,768 |
| Equity capital to assets | 10.7559% | 2,922 |
| Core capital (leverage) ratio | 8.5954% | 5,272 |
| Tier 1 risk-based capital ratio | 12.8003% | 4,977 |
| Total risk-based capital ratio | 14.0831% | 4,931 |
| Memoranda: | ||
| Average total assets | $637,640,500 | 1,045 |
| Average earning assets | $590,118,500 | 1,017 |
| Average equity | $70,592,500 | 953 |
| Average total loans | $511,979,500 | 856 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 6,847 |
| Cost of funding earning assets | 0.7569% | 6,713 |
| Net interest margin | 3.5044% | 5,231 |
| Noninterest income to average assets | 3.6617% | 185 |
| Noninterest expense to average assets | 4.5887% | 597 |
| Loan and lease loss provision to assets | 0.9287% | 1,754 |
| Net operating income to assets | 0.8356% | 2,647 |
| Return on assets (ROA) | 0.8319% | 2,804 |
| Pretax return on assets | 1.3646% | 1,752 |
| Return on Equity (ROE) | 7.6864% | 2,818 |
| Retained earnings to average equity (ytd only) | 7.6864% | 1,086 |
| Net charge-offs to loans | 1.5414% | 1,426 |
| Credit loss provision to net charge-offs | 74.3020% | 5,752 |
| Earnings coverage of net charge-offs (x) | 1.8393% | 4,348 |
| Efficiency ratio | 66.6216% | 4,840 |
| Assets per employee ($millions) | 5.5207% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1093% | 793 |
| Loan loss allowance to noncurrent loans | 69.3477% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 3.7393% | 1,838 |
| Noncurrent loans to loans | 4.4837% | 1,581 |
| Net loans and leases to total assets | 79.5607% | 722 |
| Net loans and leases to deposits | 100.1680% | 566 |
| Net loans and leases to core deposits | 103.5308% | 1,343 |
| Total domestic deposits to total assets | 79.4273% | 5,989 |
| Equity capital to assets | 11.4056% | 2,338 |
| Core capital (leverage) ratio | 9.6597% | 3,473 |
| Tier 1 risk-based capital ratio | 13.3900% | 4,296 |
| Total risk-based capital ratio | 14.6726% | 4,238 |
| Memoranda: | ||
| Average total assets | $633,229,800 | 1,062 |
| Average earning assets | $582,925,000 | 1,035 |
| Average equity | $68,536,800 | 978 |
| Average total loans | $513,490,400 | 878 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 6,941 |
| Cost of funding earning assets | 0.8061% | 6,744 |
| Net interest margin | 3.5148% | 5,232 |
| Noninterest income to average assets | 3.6064% | 185 |
| Noninterest expense to average assets | 4.3395% | 713 |
| Loan and lease loss provision to assets | 0.8630% | 1,763 |
| Net operating income to assets | 0.9940% | 2,252 |
| Return on assets (ROA) | 0.9815% | 2,414 |
| Pretax return on assets | 1.6181% | 1,298 |
| Return on Equity (ROE) | 9.1884% | 2,426 |
| Retained earnings to average equity (ytd only) | 9.1884% | 993 |
| Net charge-offs to loans | 1.0487% | 1,929 |
| Credit loss provision to net charge-offs | 101.8025% | 4,233 |
| Earnings coverage of net charge-offs (x) | 2.9496% | 3,656 |
| Efficiency ratio | 63.4422% | 5,356 |
| Assets per employee ($millions) | 4.9294% | 2,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5878% | 508 |
| Loan loss allowance to noncurrent loans | 98.4215% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 3.3123% | 2,149 |
| Noncurrent loans to loans | 3.6454% | 2,143 |
| Net loans and leases to total assets | 86.3291% | 178 |
| Net loans and leases to deposits | 111.5552% | 225 |
| Net loans and leases to core deposits | 116.9726% | 716 |
| Total domestic deposits to total assets | 77.3869% | 6,394 |
| Equity capital to assets | 12.6291% | 1,789 |
| Core capital (leverage) ratio | 8.4997% | 5,504 |
| Tier 1 risk-based capital ratio | 13.7709% | 4,002 |
| Total risk-based capital ratio | 15.0619% | 3,935 |
| Memoranda: | ||
| Average total assets | $636,957,250 | 1,057 |
| Average earning assets | $586,002,000 | 1,036 |
| Average equity | $68,040,250 | 984 |
| Average total loans | $514,931,250 | 879 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1787% | 7,201 |
| Cost of funding earning assets | 0.7601% | 7,036 |
| Net interest margin | 3.4186% | 5,567 |
| Noninterest income to average assets | 3.4596% | 192 |
| Noninterest expense to average assets | 4.0066% | 1,041 |
| Loan and lease loss provision to assets | 0.6459% | 2,227 |
| Net operating income to assets | 1.1825% | 1,603 |
| Return on assets (ROA) | 1.1853% | 1,668 |
| Pretax return on assets | 1.9671% | 646 |
| Return on Equity (ROE) | 11.6929% | 1,530 |
| Retained earnings to average equity (ytd only) | 11.6929% | 534 |
| Net charge-offs to loans | 0.8214% | 2,199 |
| Credit loss provision to net charge-offs | 100.2808% | 4,058 |
| Earnings coverage of net charge-offs (x) | 4.0501% | 3,079 |
| Efficiency ratio | 60.5677% | 5,939 |
| Assets per employee ($millions) | 5.8627% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4938% | 546 |
| Loan loss allowance to noncurrent loans | 114.7759% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 2.4064% | 2,991 |
| Noncurrent loans to loans | 3.0440% | 2,647 |
| Net loans and leases to total assets | 75.6697% | 1,552 |
| Net loans and leases to deposits | 93.5479% | 1,334 |
| Net loans and leases to core deposits | 120.7832% | 672 |
| Total domestic deposits to total assets | 80.8887% | 5,437 |
| Equity capital to assets | 10.7072% | 3,167 |
| Core capital (leverage) ratio | 8.2085% | 5,930 |
| Tier 1 risk-based capital ratio | 12.7893% | 4,616 |
| Total risk-based capital ratio | 14.0770% | 4,543 |
| Memoranda: | ||
| Average total assets | $663,602,000 | 1,019 |
| Average earning assets | $612,535,000 | 1,005 |
| Average equity | $67,271,330 | 990 |
| Average total loans | $520,319,000 | 876 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1521% | 7,321 |
| Cost of funding earning assets | 0.7875% | 7,126 |
| Net interest margin | 3.3646% | 5,733 |
| Noninterest income to average assets | 3.2835% | 196 |
| Noninterest expense to average assets | 4.0566% | 949 |
| Loan and lease loss provision to assets | 1.3970% | 859 |
| Net operating income to assets | 0.5197% | 4,291 |
| Return on assets (ROA) | 0.5224% | 4,416 |
| Pretax return on assets | 0.9307% | 3,343 |
| Return on Equity (ROE) | 5.2976% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.2976% | 2,985 |
| Net charge-offs to loans | 1.5190% | 1,144 |
| Credit loss provision to net charge-offs | 117.2932% | 2,974 |
| Earnings coverage of net charge-offs (x) | 1.9509% | 3,563 |
| Efficiency ratio | 63.5819% | 5,571 |
| Assets per employee ($millions) | 5.9572% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4895% | 557 |
| Loan loss allowance to noncurrent loans | 139.6847% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 2.0052% | 3,499 |
| Noncurrent loans to loans | 2.4981% | 3,178 |
| Net loans and leases to total assets | 76.6726% | 1,397 |
| Net loans and leases to deposits | 94.2134% | 1,325 |
| Net loans and leases to core deposits | 121.1829% | 739 |
| Total domestic deposits to total assets | 81.3818% | 5,317 |
| Equity capital to assets | 10.1439% | 3,678 |
| Core capital (leverage) ratio | 7.6795% | 6,646 |
| Tier 1 risk-based capital ratio | 11.9537% | 5,246 |
| Total risk-based capital ratio | 13.2419% | 5,162 |
| Memoranda: | ||
| Average total assets | $670,024,500 | 1,031 |
| Average earning assets | $616,650,000 | 1,016 |
| Average equity | $66,068,000 | 1,011 |
| Average total loans | $525,352,000 | 892 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 7,327 |
| Cost of funding earning assets | 1.2940% | 6,332 |
| Net interest margin | 3.2686% | 5,863 |
| Noninterest income to average assets | 3.2625% | 211 |
| Noninterest expense to average assets | 5.0805% | 489 |
| Loan and lease loss provision to assets | 3.5083% | 437 |
| Net operating income to assets | -1.4541% | 6,833 |
| Return on assets (ROA) | -1.3800% | 6,810 |
| Pretax return on assets | -2.2362% | 7,036 |
| Return on Equity (ROE) | -14.3413% | 6,897 |
| Retained earnings to average equity (ytd only) | -14.3413% | 6,840 |
| Net charge-offs to loans | 1.9296% | 1,284 |
| Credit loss provision to net charge-offs | 220.1442% | 1,713 |
| Earnings coverage of net charge-offs (x) | 0.7256% | 5,375 |
| Efficiency ratio | 81.4586% | 2,675 |
| Assets per employee ($millions) | 6.1690% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3618% | 593 |
| Loan loss allowance to noncurrent loans | 127.0297% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 2.0487% | 3,334 |
| Noncurrent loans to loans | 2.6464% | 2,903 |
| Net loans and leases to total assets | 74.8130% | 2,074 |
| Net loans and leases to deposits | 90.9976% | 2,046 |
| Net loans and leases to core deposits | 121.6272% | 1,824 |
| Total domestic deposits to total assets | 82.2143% | 4,857 |
| Equity capital to assets | 9.5894% | 4,283 |
| Core capital (leverage) ratio | 7.6528% | 6,611 |
| Tier 1 risk-based capital ratio | 11.3869% | 5,526 |
| Total risk-based capital ratio | 12.6725% | 5,447 |
| Memoranda: | ||
| Average total assets | $635,149,400 | 1,092 |
| Average earning assets | $577,976,800 | 1,093 |
| Average equity | $61,117,400 | 1,085 |
| Average total loans | $524,577,400 | 910 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6512% | 7,351 |
| Cost of funding earning assets | 1.4151% | 6,168 |
| Net interest margin | 3.2361% | 5,892 |
| Noninterest income to average assets | 3.2747% | 204 |
| Noninterest expense to average assets | 5.3429% | 395 |
| Loan and lease loss provision to assets | 4.0664% | 293 |
| Net operating income to assets | -1.9737% | 7,305 |
| Return on assets (ROA) | -1.8729% | 7,265 |
| Pretax return on assets | -3.0357% | 7,517 |
| Return on Equity (ROE) | -19.4458% | 7,355 |
| Retained earnings to average equity (ytd only) | -19.4458% | 7,319 |
| Net charge-offs to loans | 1.9918% | 989 |
| Credit loss provision to net charge-offs | 243.0015% | 1,793 |
| Earnings coverage of net charge-offs (x) | 0.5219% | 5,506 |
| Efficiency ratio | 85.9510% | 2,069 |
| Assets per employee ($millions) | 5.6715% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1935% | 567 |
| Loan loss allowance to noncurrent loans | 137.7034% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 1.9530% | 3,412 |
| Noncurrent loans to loans | 2.3191% | 3,243 |
| Net loans and leases to total assets | 81.0754% | 963 |
| Net loans and leases to deposits | 100.8744% | 1,029 |
| Net loans and leases to core deposits | 145.7865% | 697 |
| Total domestic deposits to total assets | 80.3726% | 5,302 |
| Equity capital to assets | 10.0832% | 3,976 |
| Core capital (leverage) ratio | 8.0329% | 6,301 |
| Tier 1 risk-based capital ratio | 11.8306% | 5,127 |
| Total risk-based capital ratio | 13.1151% | 5,032 |
| Memoranda: | ||
| Average total assets | $622,747,000 | 1,130 |
| Average earning assets | $566,064,500 | 1,128 |
| Average equity | $59,980,750 | 1,122 |
| Average total loans | $523,194,250 | 926 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6604% | 7,448 |
| Cost of funding earning assets | 1.5187% | 6,062 |
| Net interest margin | 3.1417% | 6,119 |
| Noninterest income to average assets | 3.2749% | 193 |
| Noninterest expense to average assets | 5.3687% | 409 |
| Loan and lease loss provision to assets | 5.4090% | 168 |
| Net operating income to assets | -2.8707% | 7,646 |
| Return on assets (ROA) | -2.7878% | 7,621 |
| Pretax return on assets | -4.5207% | 7,810 |
| Return on Equity (ROE) | -29.4107% | 7,700 |
| Retained earnings to average equity (ytd only) | -29.4107% | 7,677 |
| Net charge-offs to loans | 2.2256% | 813 |
| Credit loss provision to net charge-offs | 288.9788% | 1,616 |
| Earnings coverage of net charge-offs (x) | 0.4054% | 5,286 |
| Efficiency ratio | 87.6170% | 2,059 |
| Assets per employee ($millions) | 5.3205% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1572% | 497 |
| Loan loss allowance to noncurrent loans | 219.2592% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 1.2125% | 4,509 |
| Noncurrent loans to loans | 1.4399% | 4,338 |
| Net loans and leases to total assets | 81.2642% | 1,093 |
| Net loans and leases to deposits | 100.9408% | 1,178 |
| Net loans and leases to core deposits | 150.2815% | 646 |
| Total domestic deposits to total assets | 80.5068% | 5,274 |
| Equity capital to assets | 10.1165% | 3,798 |
| Core capital (leverage) ratio | 8.1963% | 5,989 |
| Tier 1 risk-based capital ratio | 11.8345% | 5,067 |
| Total risk-based capital ratio | 13.1185% | 4,941 |
| Memoranda: | ||
| Average total assets | $620,484,670 | 1,150 |
| Average earning assets | $563,389,670 | 1,153 |
| Average equity | $58,815,330 | 1,151 |
| Average total loans | $521,847,670 | 945 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6120% | 7,609 |
| Cost of funding earning assets | 1.5855% | 6,088 |
| Net interest margin | 3.0265% | 6,411 |
| Noninterest income to average assets | 3.1964% | 200 |
| Noninterest expense to average assets | 5.5232% | 358 |
| Loan and lease loss provision to assets | 4.4272% | 204 |
| Net operating income to assets | -2.4682% | 7,759 |
| Return on assets (ROA) | -2.4682% | 7,757 |
| Pretax return on assets | -3.9986% | 7,902 |
| Return on Equity (ROE) | -26.9611% | 7,874 |
| Retained earnings to average equity (ytd only) | -26.9611% | 7,816 |
| Net charge-offs to loans | 2.4992% | 561 |
| Credit loss provision to net charge-offs | 210.3852% | 2,133 |
| Earnings coverage of net charge-offs (x) | 0.2037% | 4,819 |
| Efficiency ratio | 92.7980% | 1,517 |
| Assets per employee ($millions) | 4.6705% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 1,950 |
| Loan loss allowance to noncurrent loans | 149.7893% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.9975% | 4,701 |
| Noncurrent loans to loans | 1.1772% | 4,626 |
| Net loans and leases to total assets | 82.8914% | 868 |
| Net loans and leases to deposits | 101.8193% | 1,196 |
| Net loans and leases to core deposits | 150.5776% | 687 |
| Total domestic deposits to total assets | 81.4104% | 4,788 |
| Equity capital to assets | 9.2253% | 5,054 |
| Core capital (leverage) ratio | 7.3928% | 7,282 |
| Tier 1 risk-based capital ratio | 10.5605% | 6,329 |
| Total risk-based capital ratio | 11.8225% | 6,236 |
| Memoranda: | ||
| Average total assets | $616,817,500 | 1,156 |
| Average earning assets | $561,575,000 | 1,161 |
| Average equity | $56,466,500 | 1,198 |
| Average total loans | $519,359,000 | 958 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6324% | 6,981 |
| Cost of funding earning assets | 2.1886% | 5,649 |
| Net interest margin | 3.4438% | 5,489 |
| Noninterest income to average assets | 3.7317% | 159 |
| Noninterest expense to average assets | 6.0444% | 395 |
| Loan and lease loss provision to assets | 0.6751% | 2,154 |
| Net operating income to assets | 0.0760% | 6,164 |
| Return on assets (ROA) | 0.0760% | 6,013 |
| Pretax return on assets | 0.1346% | 5,867 |
| Return on Equity (ROE) | 0.7160% | 6,006 |
| Retained earnings to average equity (ytd only) | 0.7160% | 4,801 |
| Net charge-offs to loans | 0.5947% | 2,048 |
| Credit loss provision to net charge-offs | 129.6218% | 4,107 |
| Earnings coverage of net charge-offs (x) | 1.5546% | 5,321 |
| Efficiency ratio | 87.5489% | 1,718 |
| Assets per employee ($millions) | 4.8225% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 5,300 |
| Loan loss allowance to noncurrent loans | 100.2125% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.9372% | 4,484 |
| Noncurrent loans to loans | 1.0976% | 4,366 |
| Net loans and leases to total assets | 83.0936% | 1,030 |
| Net loans and leases to deposits | 102.7470% | 1,501 |
| Net loans and leases to core deposits | 154.7713% | 689 |
| Total domestic deposits to total assets | 80.8721% | 4,698 |
| Equity capital to assets | 9.0827% | 5,253 |
| Core capital (leverage) ratio | 7.4851% | 7,223 |
| Tier 1 risk-based capital ratio | 10.2917% | 6,432 |
| Total risk-based capital ratio | 11.5430% | 6,304 |
| Memoranda: | ||
| Average total assets | $548,389,800 | 1,241 |
| Average earning assets | $497,209,000 | 1,246 |
| Average equity | $58,236,600 | 1,151 |
| Average total loans | $480,236,200 | 1,003 |