Home > The Herndon National Bank > Performance and Condition Ratios
The Herndon National 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 | 4.1534% | 6,377 |
| Cost of funding earning assets | 0.7256% | 5,801 |
| Net interest margin | 3.4278% | 5,454 |
| Noninterest income to average assets | 0.1471% | 6,590 |
| Noninterest expense to average assets | 2.5476% | 5,365 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3477% | 5,180 |
| Return on assets (ROA) | 0.3477% | 5,314 |
| Pretax return on assets | 0.3477% | 5,552 |
| Return on Equity (ROE) | 1.2587% | 6,018 |
| Retained earnings to average equity (ytd only) | 1.2587% | 5,352 |
| Net charge-offs to loans | 1.0432% | 1,508 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.1556% | 4,410 |
| Efficiency ratio | 87.9908% | 1,414 |
| Assets per employee ($millions) | 3.6180% | 4,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7237% | 3,247 |
| Loan loss allowance to noncurrent loans | 78.1250% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.7843% | 5,327 |
| Noncurrent loans to loans | 2.2064% | 3,218 |
| Net loans and leases to total assets | 29.5467% | 7,196 |
| Net loans and leases to deposits | 41.5085% | 7,010 |
| Net loans and leases to core deposits | 41.5085% | 7,081 |
| Total domestic deposits to total assets | 71.1823% | 7,051 |
| Equity capital to assets | 28.6104% | 91 |
| Core capital (leverage) ratio | 28.7226% | 88 |
| Tier 1 risk-based capital ratio | 69.6116% | 83 |
| Total risk-based capital ratio | 70.8642% | 83 |
| Memoranda: | ||
| Average total assets | $29,910,330 | 7,111 |
| Average earning assets | $23,980,330 | 7,176 |
| Average equity | $8,262,330 | 5,533 |
| Average total loans | $8,627,670 | 7,296 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 6,073 |
| Cost of funding earning assets | 0.7459% | 5,892 |
| Net interest margin | 3.5308% | 4,877 |
| Noninterest income to average assets | 0.1448% | 6,685 |
| Noninterest expense to average assets | 2.3163% | 6,148 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6317% | 3,858 |
| Return on assets (ROA) | 0.6317% | 3,927 |
| Pretax return on assets | 0.6317% | 4,565 |
| Return on Equity (ROE) | 2.3264% | 5,671 |
| Retained earnings to average equity (ytd only) | 2.3264% | 4,752 |
| Net charge-offs to loans | 2.0022% | 637 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.1163% | 3,831 |
| Efficiency ratio | 78.5714% | 2,755 |
| Assets per employee ($millions) | 3.7881% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7400% | 3,215 |
| Loan loss allowance to noncurrent loans | 76.6497% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.8447% | 5,215 |
| Noncurrent loans to loans | 2.2701% | 3,232 |
| Net loans and leases to total assets | 28.1373% | 7,290 |
| Net loans and leases to deposits | 38.7944% | 7,143 |
| Net loans and leases to core deposits | 38.7944% | 7,199 |
| Total domestic deposits to total assets | 72.5293% | 7,036 |
| Equity capital to assets | 27.3123% | 93 |
| Core capital (leverage) ratio | 27.1912% | 89 |
| Tier 1 risk-based capital ratio | 67.7720% | 84 |
| Total risk-based capital ratio | 69.0084% | 84 |
| Memoranda: | ||
| Average total assets | $30,393,500 | 7,143 |
| Average earning assets | $24,130,500 | 7,224 |
| Average equity | $8,253,000 | 5,537 |
| Average total loans | $8,590,500 | 7,358 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5182% | 6,349 |
| Cost of funding earning assets | 0.9395% | 5,980 |
| Net interest margin | 3.5787% | 4,920 |
| Noninterest income to average assets | 0.2714% | 5,840 |
| Noninterest expense to average assets | 2.4226% | 6,039 |
| Loan and lease loss provision to assets | 0.1655% | 5,564 |
| Net operating income to assets | 0.4567% | 4,281 |
| Return on assets (ROA) | 0.5064% | 4,228 |
| Pretax return on assets | 0.5064% | 4,599 |
| Return on Equity (ROE) | 1.8601% | 5,440 |
| Retained earnings to average equity (ytd only) | 0.6443% | 5,254 |
| Net charge-offs to loans | 0.0121% | 6,709 |
| Credit loss provision to net charge-offs | 5,000.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 188.0000% | 139 |
| Efficiency ratio | 79.5652% | 2,470 |
| Assets per employee ($millions) | 3.8103% | 4,231 |
| Cash dividends to net income (ytd only)* | 65.3595% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2933% | 1,705 |
| Loan loss allowance to noncurrent loans | 61.7089% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 1.0367% | 4,924 |
| Noncurrent loans to loans | 3.7163% | 1,998 |
| Net loans and leases to total assets | 27.2554% | 7,422 |
| Net loans and leases to deposits | 37.6217% | 7,310 |
| Net loans and leases to core deposits | 37.6217% | 7,361 |
| Total domestic deposits to total assets | 72.4460% | 7,045 |
| Equity capital to assets | 26.9963% | 101 |
| Core capital (leverage) ratio | 27.2006% | 103 |
| Tier 1 risk-based capital ratio | 69.9388% | 79 |
| Total risk-based capital ratio | 71.1967% | 76 |
| Memoranda: | ||
| Average total assets | $30,215,000 | 7,198 |
| Average earning assets | $23,416,400 | 7,307 |
| Average equity | $8,225,400 | 5,651 |
| Average total loans | $8,273,800 | 7,456 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6050% | 6,321 |
| Cost of funding earning assets | 0.9892% | 5,985 |
| Net interest margin | 3.6158% | 4,806 |
| Noninterest income to average assets | 0.1504% | 6,789 |
| Noninterest expense to average assets | 2.3351% | 6,219 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6280% | 3,760 |
| Return on assets (ROA) | 0.6811% | 3,664 |
| Pretax return on assets | 0.6811% | 4,299 |
| Return on Equity (ROE) | 2.4966% | 5,433 |
| Retained earnings to average equity (ytd only) | 1.9291% | 4,994 |
| Net charge-offs to loans | -0.2272% | 7,631 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8060% | 2,516 |
| Assets per employee ($millions) | 3.7159% | 4,472 |
| Cash dividends to net income (ytd only)* | 22.7293% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9446% | 2,365 |
| Loan loss allowance to noncurrent loans | 38.9294% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 1.5541% | 4,115 |
| Noncurrent loans to loans | 4.9951% | 1,381 |
| Net loans and leases to total assets | 27.1403% | 7,526 |
| Net loans and leases to deposits | 37.7981% | 7,427 |
| Net loans and leases to core deposits | 37.7981% | 7,464 |
| Total domestic deposits to total assets | 71.8034% | 7,149 |
| Equity capital to assets | 27.8972% | 100 |
| Core capital (leverage) ratio | 27.8242% | 96 |
| Tier 1 risk-based capital ratio | 69.3279% | 84 |
| Total risk-based capital ratio | 70.5818% | 82 |
| Memoranda: | ||
| Average total assets | $30,148,250 | 7,289 |
| Average earning assets | $23,452,000 | 7,397 |
| Average equity | $8,224,500 | 5,719 |
| Average total loans | $8,216,500 | 7,557 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 6,878 |
| Cost of funding earning assets | 1.0922% | 5,716 |
| Net interest margin | 3.3193% | 5,944 |
| Noninterest income to average assets | 0.1387% | 6,888 |
| Noninterest expense to average assets | 2.3243% | 6,288 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3830% | 4,838 |
| Return on assets (ROA) | 0.4622% | 4,651 |
| Pretax return on assets | 0.4622% | 5,023 |
| Return on Equity (ROE) | 1.7070% | 5,729 |
| Retained earnings to average equity (ytd only) | 0.8535% | 5,423 |
| Net charge-offs to loans | -0.2435% | 7,666 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8537% | 1,727 |
| Assets per employee ($millions) | 3.7640% | 4,309 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9283% | 2,344 |
| Loan loss allowance to noncurrent loans | 33.1915% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 1.7302% | 3,854 |
| Noncurrent loans to loans | 5.8096% | 1,115 |
| Net loans and leases to total assets | 26.3483% | 7,608 |
| Net loans and leases to deposits | 36.4246% | 7,528 |
| Net loans and leases to core deposits | 36.4246% | 7,563 |
| Total domestic deposits to total assets | 72.3366% | 7,154 |
| Equity capital to assets | 27.2616% | 111 |
| Core capital (leverage) ratio | 26.8989% | 110 |
| Tier 1 risk-based capital ratio | 68.5168% | 91 |
| Total risk-based capital ratio | 69.7688% | 90 |
| Memoranda: | ||
| Average total assets | $30,288,670 | 7,335 |
| Average earning assets | $23,438,670 | 7,453 |
| Average equity | $8,201,670 | 5,731 |
| Average total loans | $8,212,670 | 7,620 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4660% | 6,862 |
| Cost of funding earning assets | 1.1081% | 5,864 |
| Net interest margin | 3.3579% | 5,758 |
| Noninterest income to average assets | 0.1580% | 6,838 |
| Noninterest expense to average assets | 2.1990% | 6,691 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5926% | 3,921 |
| Return on assets (ROA) | 0.6321% | 3,871 |
| Pretax return on assets | 0.6321% | 4,479 |
| Return on Equity (ROE) | 2.3420% | 5,616 |
| Retained earnings to average equity (ytd only) | 2.3420% | 4,736 |
| Net charge-offs to loans | -0.2417% | 7,705 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7736% | 2,765 |
| Assets per employee ($millions) | 3.8365% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8663% | 2,535 |
| Loan loss allowance to noncurrent loans | 20.9141% | 6,958 |
| Noncurrent assets plus other real estate owned to assets | 2.5186% | 2,886 |
| Noncurrent loans to loans | 8.9235% | 547 |
| Net loans and leases to total assets | 25.8699% | 7,702 |
| Net loans and leases to deposits | 35.4638% | 7,631 |
| Net loans and leases to core deposits | 35.4638% | 7,660 |
| Total domestic deposits to total assets | 72.9473% | 7,169 |
| Equity capital to assets | 26.7887% | 115 |
| Core capital (leverage) ratio | 26.7818% | 110 |
| Tier 1 risk-based capital ratio | 67.0417% | 91 |
| Total risk-based capital ratio | 68.2730% | 90 |
| Memoranda: | ||
| Average total assets | $30,377,000 | 7,429 |
| Average earning assets | $23,824,500 | 7,538 |
| Average equity | $8,198,000 | 5,771 |
| Average total loans | $8,274,000 | 7,716 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 7,244 |
| Cost of funding earning assets | 1.1736% | 6,753 |
| Net interest margin | 3.4552% | 5,150 |
| Noninterest income to average assets | 0.1631% | 6,910 |
| Noninterest expense to average assets | 2.6915% | 5,429 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4520% | 3,919 |
| Return on assets (ROA) | 0.4724% | 3,957 |
| Pretax return on assets | 0.3534% | 4,633 |
| Return on Equity (ROE) | 1.6984% | 5,020 |
| Retained earnings to average equity (ytd only) | 0.5987% | 4,568 |
| Net charge-offs to loans | 0.2663% | 4,953 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 4.4545% | 2,947 |
| Efficiency ratio | 88.9888% | 1,799 |
| Assets per employee ($millions) | 3.7578% | 4,379 |
| Cash dividends to net income (ytd only)* | 64.7482% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7264% | 2,803 |
| Loan loss allowance to noncurrent loans | 31.4655% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 1.5435% | 4,062 |
| Noncurrent loans to loans | 5.4866% | 1,183 |
| Net loans and leases to total assets | 27.6462% | 7,757 |
| Net loans and leases to deposits | 38.2607% | 7,674 |
| Net loans and leases to core deposits | 38.2607% | 7,786 |
| Total domestic deposits to total assets | 72.2573% | 7,220 |
| Equity capital to assets | 27.1905% | 124 |
| Core capital (leverage) ratio | 27.4001% | 125 |
| Tier 1 risk-based capital ratio | 62.3351% | 106 |
| Total risk-based capital ratio | 63.4485% | 107 |
| Memoranda: | ||
| Average total assets | $29,425,600 | 7,496 |
| Average earning assets | $24,369,200 | 7,567 |
| Average equity | $8,184,200 | 5,870 |
| Average total loans | $8,261,000 | 7,773 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6771% | 7,321 |
| Cost of funding earning assets | 1.1940% | 6,908 |
| Net interest margin | 3.4831% | 4,933 |
| Noninterest income to average assets | 0.1640% | 7,027 |
| Noninterest expense to average assets | 2.4282% | 6,321 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6196% | 3,535 |
| Return on assets (ROA) | 0.6469% | 3,483 |
| Pretax return on assets | 0.6469% | 4,033 |
| Return on Equity (ROE) | 2.3126% | 5,055 |
| Retained earnings to average equity (ytd only) | 1.7426% | 4,337 |
| Net charge-offs to loans | -0.3085% | 8,000 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6712% | 2,907 |
| Assets per employee ($millions) | 3.7174% | 4,382 |
| Cash dividends to net income (ytd only)* | 24.6501% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2492% | 1,351 |
| Loan loss allowance to noncurrent loans | 38.2413% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 1.6443% | 3,895 |
| Noncurrent loans to loans | 5.8816% | 1,023 |
| Net loans and leases to total assets | 27.3278% | 7,858 |
| Net loans and leases to deposits | 38.0104% | 7,779 |
| Net loans and leases to core deposits | 38.0104% | 7,876 |
| Total domestic deposits to total assets | 71.8955% | 7,222 |
| Equity capital to assets | 27.6808% | 140 |
| Core capital (leverage) ratio | 27.9335% | 141 |
| Tier 1 risk-based capital ratio | 66.0515% | 101 |
| Total risk-based capital ratio | 67.3032% | 101 |
| Memoranda: | ||
| Average total assets | $29,266,500 | 7,564 |
| Average earning assets | $24,231,000 | 7,638 |
| Average equity | $8,186,750 | 5,918 |
| Average total loans | $8,212,000 | 7,852 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6382% | 7,474 |
| Cost of funding earning assets | 1.1986% | 7,107 |
| Net interest margin | 3.4397% | 5,031 |
| Noninterest income to average assets | 0.1718% | 7,061 |
| Noninterest expense to average assets | 2.3360% | 6,657 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7146% | 3,189 |
| Return on assets (ROA) | 0.7489% | 3,156 |
| Pretax return on assets | 0.7489% | 3,833 |
| Return on Equity (ROE) | 2.6678% | 5,029 |
| Retained earnings to average equity (ytd only) | 1.8111% | 4,338 |
| Net charge-offs to loans | -0.3424% | 8,081 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5766% | 3,586 |
| Assets per employee ($millions) | 3.6426% | 4,467 |
| Cash dividends to net income (ytd only)* | 32.1101% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1836% | 1,268 |
| Loan loss allowance to noncurrent loans | 40.2655% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 1.5511% | 3,900 |
| Noncurrent loans to loans | 5.4229% | 1,072 |
| Net loans and leases to total assets | 27.9778% | 7,933 |
| Net loans and leases to deposits | 39.1952% | 7,836 |
| Net loans and leases to core deposits | 39.1952% | 7,938 |
| Total domestic deposits to total assets | 71.3805% | 7,319 |
| Equity capital to assets | 28.1356% | 159 |
| Core capital (leverage) ratio | 28.6678% | 153 |
| Tier 1 risk-based capital ratio | 63.5138% | 123 |
| Total risk-based capital ratio | 64.7688% | 119 |
| Memoranda: | ||
| Average total assets | $29,109,000 | 7,641 |
| Average earning assets | $24,362,670 | 7,709 |
| Average equity | $8,171,670 | 5,962 |
| Average total loans | $8,178,000 | 7,939 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9075% | 7,158 |
| Cost of funding earning assets | 1.2022% | 7,294 |
| Net interest margin | 3.7053% | 3,869 |
| Noninterest income to average assets | 0.1650% | 7,125 |
| Noninterest expense to average assets | 2.3786% | 6,263 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8799% | 2,790 |
| Return on assets (ROA) | 0.8937% | 2,877 |
| Pretax return on assets | 0.8937% | 3,744 |
| Return on Equity (ROE) | 3.1871% | 5,284 |
| Retained earnings to average equity (ytd only) | 3.1871% | 4,102 |
| Net charge-offs to loans | -0.6420% | 8,129 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9958% | 4,008 |
| Assets per employee ($millions) | 3.6596% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2496% | 1,014 |
| Loan loss allowance to noncurrent loans | 43.4053% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 1.4243% | 3,802 |
| Noncurrent loans to loans | 5.1827% | 1,032 |
| Net loans and leases to total assets | 26.8641% | 7,985 |
| Net loans and leases to deposits | 37.4845% | 7,910 |
| Net loans and leases to core deposits | 37.4845% | 8,009 |
| Total domestic deposits to total assets | 71.6672% | 7,256 |
| Equity capital to assets | 27.9776% | 172 |
| Core capital (leverage) ratio | 28.1313% | 174 |
| Tier 1 risk-based capital ratio | 65.4442% | 122 |
| Total risk-based capital ratio | 66.6986% | 123 |
| Memoranda: | ||
| Average total assets | $29,093,000 | 7,683 |
| Average earning assets | $24,289,500 | 7,756 |
| Average equity | $8,158,000 | 5,998 |
| Average total loans | $8,099,500 | 7,990 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 7,976 |
| Cost of funding earning assets | 1.3174% | 7,829 |
| Net interest margin | 3.3855% | 5,719 |
| Noninterest income to average assets | 0.2341% | 6,764 |
| Noninterest expense to average assets | 2.4473% | 6,221 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8295% | 3,311 |
| Return on assets (ROA) | 0.8605% | 3,020 |
| Pretax return on assets | 0.8605% | 3,851 |
| Return on Equity (ROE) | 3.0928% | 5,199 |
| Retained earnings to average equity (ytd only) | 1.7320% | 4,174 |
| Net charge-offs to loans | 0.2783% | 3,543 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 10.4783% | 2,507 |
| Efficiency ratio | 74.6849% | 3,462 |
| Assets per employee ($millions) | 3.6136% | 4,384 |
| Cash dividends to net income (ytd only)* | 44.0000% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0606% | 1,130 |
| Loan loss allowance to noncurrent loans | 41.3793% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 1.4044% | 3,391 |
| Noncurrent loans to loans | 4.9798% | 887 |
| Net loans and leases to total assets | 27.6212% | 8,046 |
| Net loans and leases to deposits | 38.8319% | 7,961 |
| Net loans and leases to core deposits | 38.8319% | 8,070 |
| Total domestic deposits to total assets | 71.1301% | 7,141 |
| Equity capital to assets | 28.1054% | 194 |
| Core capital (leverage) ratio | 28.2294% | 205 |
| Tier 1 risk-based capital ratio | 64.8030% | 139 |
| Total risk-based capital ratio | 66.0552% | 136 |
| Memoranda: | ||
| Average total assets | $29,052,200 | 7,682 |
| Average earning assets | $26,111,600 | 7,687 |
| Average equity | $8,083,200 | 6,054 |
| Average total loans | $8,264,200 | 8,021 |