Home > The Merchants & Farmers Bank > Performance and Condition Ratios
The Merchants & Farmers 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 | 3.4166% | 7,207 |
| Cost of funding earning assets | 0.5786% | 6,549 |
| Net interest margin | 2.8380% | 6,878 |
| Noninterest income to average assets | 1.8318% | 406 |
| Noninterest expense to average assets | 6.0255% | 193 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.7113% | 7,141 |
| Return on assets (ROA) | -1.7113% | 7,152 |
| Pretax return on assets | -1.7113% | 7,114 |
| Return on Equity (ROE) | -15.3237% | 7,074 |
| Retained earnings to average equity (ytd only) | -15.3237% | 7,047 |
| Net charge-offs to loans | -0.6262% | 7,418 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.6648% | 201 |
| Assets per employee ($millions) | 1.1694% | 7,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1873% | 773 |
| Loan loss allowance to noncurrent loans | 36.6972% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 2.6631% | 2,506 |
| Noncurrent loans to loans | 8.6853% | 487 |
| Net loans and leases to total assets | 29.6848% | 7,190 |
| Net loans and leases to deposits | 33.4941% | 7,235 |
| Net loans and leases to core deposits | 33.4941% | 7,265 |
| Total domestic deposits to total assets | 88.6269% | 1,770 |
| Equity capital to assets | 10.8844% | 3,084 |
| Core capital (leverage) ratio | 10.7674% | 2,457 |
| Tier 1 risk-based capital ratio | 35.0787% | 343 |
| Total risk-based capital ratio | 36.3386% | 334 |
| Memoranda: | ||
| Average total assets | $8,298,000 | 7,499 |
| Average earning assets | $7,258,670 | 7,489 |
| Average equity | $926,670 | 7,486 |
| Average total loans | $2,555,000 | 7,458 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6399% | 7,111 |
| Cost of funding earning assets | 0.5515% | 6,798 |
| Net interest margin | 3.0884% | 6,377 |
| Noninterest income to average assets | 2.8729% | 233 |
| Noninterest expense to average assets | 6.9428% | 151 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.3886% | 7,159 |
| Return on assets (ROA) | -1.3886% | 7,165 |
| Pretax return on assets | -1.3886% | 7,123 |
| Return on Equity (ROE) | -12.2816% | 7,084 |
| Retained earnings to average equity (ytd only) | -12.2816% | 6,954 |
| Net charge-offs to loans | -0.3104% | 7,342 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.0000% | 306 |
| Assets per employee ($millions) | 1.2496% | 7,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9972% | 918 |
| Loan loss allowance to noncurrent loans | 51.3889% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 1.6463% | 3,781 |
| Noncurrent loans to loans | 5.8323% | 1,105 |
| Net loans and leases to total assets | 27.3808% | 7,313 |
| Net loans and leases to deposits | 30.7999% | 7,347 |
| Net loans and leases to core deposits | 30.7999% | 7,370 |
| Total domestic deposits to total assets | 88.8991% | 1,836 |
| Equity capital to assets | 10.6665% | 3,022 |
| Core capital (leverage) ratio | 11.0558% | 2,149 |
| Tier 1 risk-based capital ratio | 37.5755% | 288 |
| Total risk-based capital ratio | 38.8240% | 278 |
| Memoranda: | ||
| Average total assets | $8,354,000 | 7,559 |
| Average earning assets | $7,253,000 | 7,547 |
| Average equity | $944,500 | 7,540 |
| Average total loans | $2,577,500 | 7,517 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 6,638 |
| Cost of funding earning assets | 0.6739% | 6,945 |
| Net interest margin | 3.7130% | 4,295 |
| Noninterest income to average assets | 1.2321% | 997 |
| Noninterest expense to average assets | 5.5387% | 295 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -1.0092% | 6,687 |
| Return on assets (ROA) | -1.0092% | 6,727 |
| Pretax return on assets | -1.0092% | 6,649 |
| Return on Equity (ROE) | -8.6816% | 6,659 |
| Retained earnings to average equity (ytd only) | -8.6816% | 6,573 |
| Net charge-offs to loans | 0.0567% | 6,222 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -43.0000% | 6,839 |
| Efficiency ratio | 122.2798% | 389 |
| Assets per employee ($millions) | 1.1373% | 7,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6806% | 1,191 |
| Loan loss allowance to noncurrent loans | 61.0169% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.4822% | 4,091 |
| Noncurrent loans to loans | 4.3931% | 1,632 |
| Net loans and leases to total assets | 32.8351% | 7,262 |
| Net loans and leases to deposits | 37.4982% | 7,315 |
| Net loans and leases to core deposits | 37.4982% | 7,366 |
| Total domestic deposits to total assets | 87.5644% | 2,508 |
| Equity capital to assets | 12.0085% | 1,910 |
| Core capital (leverage) ratio | 11.2656% | 1,974 |
| Tier 1 risk-based capital ratio | 38.3782% | 270 |
| Total risk-based capital ratio | 39.6226% | 261 |
| Memoranda: | ||
| Average total assets | $8,521,800 | 7,640 |
| Average earning assets | $7,568,000 | 7,625 |
| Average equity | $990,600 | 7,634 |
| Average total loans | $3,530,200 | 7,585 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 6,821 |
| Cost of funding earning assets | 0.6728% | 7,126 |
| Net interest margin | 3.7260% | 4,285 |
| Noninterest income to average assets | 1.3237% | 780 |
| Noninterest expense to average assets | 5.4335% | 281 |
| Loan and lease loss provision to assets | 0.3386% | 3,895 |
| Net operating income to assets | -1.1236% | 6,956 |
| Return on assets (ROA) | -1.1236% | 6,988 |
| Pretax return on assets | -1.1236% | 6,907 |
| Return on Equity (ROE) | -9.7403% | 6,917 |
| Retained earnings to average equity (ytd only) | -9.7403% | 6,865 |
| Net charge-offs to loans | 0.9267% | 2,142 |
| Credit loss provision to net charge-offs | 84.6154% | 4,976 |
| Earnings coverage of net charge-offs (x) | -1.9613% | 6,534 |
| Efficiency ratio | 116.8874% | 424 |
| Assets per employee ($millions) | 1.7084% | 7,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5063% | 1,318 |
| Loan loss allowance to noncurrent loans | 34.3137% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 2.3882% | 2,991 |
| Noncurrent loans to loans | 7.3040% | 744 |
| Net loans and leases to total assets | 31.8778% | 7,414 |
| Net loans and leases to deposits | 36.1716% | 7,467 |
| Net loans and leases to core deposits | 36.1716% | 7,499 |
| Total domestic deposits to total assets | 88.1292% | 1,881 |
| Equity capital to assets | 11.3674% | 2,635 |
| Core capital (leverage) ratio | 11.1661% | 2,146 |
| Tier 1 risk-based capital ratio | 37.4181% | 299 |
| Total risk-based capital ratio | 38.6898% | 293 |
| Memoranda: | ||
| Average total assets | $8,662,000 | 7,742 |
| Average earning assets | $7,729,250 | 7,725 |
| Average equity | $999,250 | 7,734 |
| Average total loans | $3,741,250 | 7,684 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2490% | 7,116 |
| Cost of funding earning assets | 0.6870% | 7,217 |
| Net interest margin | 3.5620% | 4,990 |
| Noninterest income to average assets | 1.0572% | 1,199 |
| Noninterest expense to average assets | 5.0563% | 363 |
| Loan and lease loss provision to assets | 0.4597% | 3,017 |
| Net operating income to assets | -1.2411% | 7,052 |
| Return on assets (ROA) | -1.2411% | 7,064 |
| Pretax return on assets | -1.2411% | 6,984 |
| Return on Equity (ROE) | -10.7072% | 6,989 |
| Retained earnings to average equity (ytd only) | -10.7072% | 6,944 |
| Net charge-offs to loans | 1.5774% | 1,201 |
| Credit loss provision to net charge-offs | 62.5000% | 5,146 |
| Earnings coverage of net charge-offs (x) | -1.0625% | 6,128 |
| Efficiency ratio | 118.2796% | 435 |
| Assets per employee ($millions) | 1.2587% | 7,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 3,758 |
| Loan loss allowance to noncurrent loans | 11.8095% | 7,222 |
| Noncurrent assets plus other real estate owned to assets | 5.9585% | 995 |
| Noncurrent loans to loans | 12.9694% | 231 |
| Net loans and leases to total assets | 45.2389% | 6,833 |
| Net loans and leases to deposits | 51.1747% | 7,015 |
| Net loans and leases to core deposits | 51.1747% | 7,166 |
| Total domestic deposits to total assets | 88.4009% | 1,777 |
| Equity capital to assets | 11.2360% | 2,655 |
| Core capital (leverage) ratio | 11.0171% | 2,229 |
| Tier 1 risk-based capital ratio | 37.5000% | 289 |
| Total risk-based capital ratio | 38.9773% | 284 |
| Memoranda: | ||
| Average total assets | $8,702,000 | 7,809 |
| Average earning assets | $7,860,670 | 7,792 |
| Average equity | $1,008,670 | 7,797 |
| Average total loans | $4,057,330 | 7,741 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 7,313 |
| Cost of funding earning assets | 0.7095% | 7,313 |
| Net interest margin | 3.4463% | 5,390 |
| Noninterest income to average assets | 0.7864% | 2,087 |
| Noninterest expense to average assets | 6.3371% | 184 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -2.4053% | 7,536 |
| Return on assets (ROA) | -2.4053% | 7,543 |
| Pretax return on assets | -2.4053% | 7,498 |
| Return on Equity (ROE) | -20.4322% | 7,446 |
| Retained earnings to average equity (ytd only) | -20.4322% | 7,387 |
| Net charge-offs to loans | -0.1969% | 7,670 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.1765% | 175 |
| Assets per employee ($millions) | 1.2500% | 7,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9038% | 2,428 |
| Loan loss allowance to noncurrent loans | 30.7692% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 2.8229% | 2,572 |
| Noncurrent loans to loans | 6.1874% | 1,048 |
| Net loans and leases to total assets | 44.7543% | 6,925 |
| Net loans and leases to deposits | 50.8175% | 7,089 |
| Net loans and leases to core deposits | 50.8175% | 7,253 |
| Total domestic deposits to total assets | 88.0686% | 2,020 |
| Equity capital to assets | 11.3371% | 2,470 |
| Core capital (leverage) ratio | 11.0887% | 2,170 |
| Tier 1 risk-based capital ratio | 35.7375% | 338 |
| Total risk-based capital ratio | 36.9996% | 329 |
| Memoranda: | ||
| Average total assets | $8,647,500 | 7,911 |
| Average earning assets | $7,892,500 | 7,894 |
| Average equity | $1,018,000 | 7,889 |
| Average total loans | $4,062,000 | 7,844 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9525% | 6,576 |
| Cost of funding earning assets | 0.9185% | 7,366 |
| Net interest margin | 4.0340% | 2,724 |
| Noninterest income to average assets | 0.8773% | 2,040 |
| Noninterest expense to average assets | 5.2973% | 436 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.6774% | 6,336 |
| Return on assets (ROA) | -0.6774% | 6,340 |
| Pretax return on assets | -0.8107% | 6,271 |
| Return on Equity (ROE) | -5.6839% | 6,278 |
| Retained earnings to average equity (ytd only) | -5.6839% | 6,108 |
| Net charge-offs to loans | 0.3389% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | -5.2143% | 7,111 |
| Efficiency ratio | 118.0693% | 642 |
| Assets per employee ($millions) | 1.0681% | 7,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7909% | 2,577 |
| Loan loss allowance to noncurrent loans | 29.4821% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 2.9374% | 2,383 |
| Noncurrent loans to loans | 6.0745% | 1,028 |
| Net loans and leases to total assets | 47.4898% | 6,844 |
| Net loans and leases to deposits | 54.3968% | 7,025 |
| Net loans and leases to core deposits | 56.6760% | 7,384 |
| Total domestic deposits to total assets | 87.3025% | 2,325 |
| Equity capital to assets | 12.2177% | 1,904 |
| Core capital (leverage) ratio | 12.3637% | 1,509 |
| Tier 1 risk-based capital ratio | 36.8551% | 306 |
| Total risk-based capital ratio | 38.1979% | 295 |
| Memoranda: | ||
| Average total assets | $9,004,600 | 7,979 |
| Average earning assets | $8,056,600 | 7,968 |
| Average equity | $1,073,200 | 7,973 |
| Average total loans | $4,130,800 | 7,914 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9517% | 6,758 |
| Cost of funding earning assets | 0.9871% | 7,420 |
| Net interest margin | 3.9647% | 2,967 |
| Noninterest income to average assets | 0.8625% | 2,135 |
| Noninterest expense to average assets | 5.1172% | 449 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.6579% | 6,572 |
| Return on assets (ROA) | -0.6579% | 6,581 |
| Pretax return on assets | -0.7311% | 6,507 |
| Return on Equity (ROE) | -5.5530% | 6,509 |
| Retained earnings to average equity (ytd only) | -5.5530% | 6,328 |
| Net charge-offs to loans | 0.2905% | 4,217 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -5.5558% | 6,862 |
| Efficiency ratio | 116.6667% | 643 |
| Assets per employee ($millions) | 0.9119% | 8,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8279% | 2,197 |
| Loan loss allowance to noncurrent loans | 36.7442% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 2.6197% | 2,657 |
| Noncurrent loans to loans | 4.9745% | 1,338 |
| Net loans and leases to total assets | 51.6998% | 6,629 |
| Net loans and leases to deposits | 59.7943% | 6,839 |
| Net loans and leases to core deposits | 62.4338% | 7,310 |
| Total domestic deposits to total assets | 86.4628% | 2,448 |
| Equity capital to assets | 12.9280% | 1,727 |
| Core capital (leverage) ratio | 12.2216% | 1,699 |
| Tier 1 risk-based capital ratio | 33.7261% | 409 |
| Total risk-based capital ratio | 35.0000% | 403 |
| Memoranda: | ||
| Average total assets | $9,119,500 | 8,065 |
| Average earning assets | $8,104,750 | 8,052 |
| Average equity | $1,080,500 | 8,056 |
| Average total loans | $4,130,500 | 7,994 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7156% | 7,369 |
| Cost of funding earning assets | 1.0532% | 7,456 |
| Net interest margin | 3.6623% | 4,106 |
| Noninterest income to average assets | 0.7853% | 2,484 |
| Noninterest expense to average assets | 5.1148% | 475 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.9763% | 6,961 |
| Return on assets (ROA) | -0.9763% | 6,960 |
| Pretax return on assets | -1.0824% | 6,871 |
| Return on Equity (ROE) | -8.4637% | 6,929 |
| Retained earnings to average equity (ytd only) | -8.4637% | 6,719 |
| Net charge-offs to loans | 0.4918% | 2,859 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -5.1000% | 6,458 |
| Efficiency ratio | 126.8421% | 556 |
| Assets per employee ($millions) | 1.0133% | 8,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7824% | 2,102 |
| Loan loss allowance to noncurrent loans | 40.6250% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 2.1053% | 3,053 |
| Noncurrent loans to loans | 4.3876% | 1,477 |
| Net loans and leases to total assets | 47.1272% | 7,113 |
| Net loans and leases to deposits | 53.6512% | 7,295 |
| Net loans and leases to core deposits | 55.7386% | 7,606 |
| Total domestic deposits to total assets | 87.8399% | 1,841 |
| Equity capital to assets | 11.6118% | 2,461 |
| Core capital (leverage) ratio | 11.0843% | 2,343 |
| Tier 1 risk-based capital ratio | 35.2902% | 409 |
| Total risk-based capital ratio | 36.5577% | 405 |
| Memoranda: | ||
| Average total assets | $9,423,670 | 8,154 |
| Average earning assets | $8,355,330 | 8,142 |
| Average equity | $1,087,000 | 8,147 |
| Average total loans | $4,066,670 | 8,082 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0827% | 6,700 |
| Cost of funding earning assets | 1.1029% | 7,515 |
| Net interest margin | 3.9799% | 2,726 |
| Noninterest income to average assets | 0.7937% | 2,358 |
| Noninterest expense to average assets | 4.5533% | 673 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.2506% | 6,619 |
| Return on assets (ROA) | -0.2506% | 6,696 |
| Pretax return on assets | -0.2924% | 6,666 |
| Return on Equity (ROE) | -2.1798% | 6,682 |
| Retained earnings to average equity (ytd only) | -2.1798% | 6,136 |
| Net charge-offs to loans | 0.3067% | 2,884 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -2.3333% | 5,488 |
| Efficiency ratio | 106.8627% | 904 |
| Assets per employee ($millions) | 1.0937% | 8,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1192% | 1,196 |
| Loan loss allowance to noncurrent loans | 46.4481% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 1.8592% | 3,131 |
| Noncurrent loans to loans | 4.5625% | 1,253 |
| Net loans and leases to total assets | 39.8862% | 7,574 |
| Net loans and leases to deposits | 45.1836% | 7,687 |
| Net loans and leases to core deposits | 48.5350% | 7,822 |
| Total domestic deposits to total assets | 88.2759% | 1,591 |
| Equity capital to assets | 11.1551% | 2,848 |
| Core capital (leverage) ratio | 11.0396% | 2,472 |
| Tier 1 risk-based capital ratio | 35.0351% | 433 |
| Total risk-based capital ratio | 36.3114% | 425 |
| Memoranda: | ||
| Average total assets | $9,575,500 | 8,201 |
| Average earning assets | $8,342,000 | 8,190 |
| Average equity | $1,101,000 | 8,199 |
| Average total loans | $3,912,000 | 8,142 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4702% | 7,365 |
| Cost of funding earning assets | 1.3707% | 7,777 |
| Net interest margin | 4.0995% | 2,714 |
| Noninterest income to average assets | 0.8903% | 1,998 |
| Noninterest expense to average assets | 4.6742% | 781 |
| Loan and lease loss provision to assets | 0.2003% | 4,888 |
| Net operating income to assets | -0.3392% | 6,761 |
| Return on assets (ROA) | -0.3005% | 6,595 |
| Pretax return on assets | -0.3450% | 6,497 |
| Return on Equity (ROE) | -2.3784% | 6,553 |
| Retained earnings to average equity (ytd only) | -2.5546% | 6,005 |
| Net charge-offs to loans | 0.2341% | 3,907 |
| Credit loss provision to net charge-offs | 257.1429% | 1,803 |
| Earnings coverage of net charge-offs (x) | -2.4286% | 6,732 |
| Efficiency ratio | 104.2184% | 862 |
| Assets per employee ($millions) | 1.0342% | 8,233 |
| Cash dividends to net income (ytd only)* | -7.4074% | 7,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3079% | 848 |
| Loan loss allowance to noncurrent loans | 52.6946% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 1.7942% | 2,734 |
| Noncurrent loans to loans | 4.3798% | 1,091 |
| Net loans and leases to total assets | 40.0193% | 7,670 |
| Net loans and leases to deposits | 45.7504% | 7,790 |
| Net loans and leases to core deposits | 48.7438% | 7,910 |
| Total domestic deposits to total assets | 87.4731% | 1,721 |
| Equity capital to assets | 11.8608% | 2,379 |
| Core capital (leverage) ratio | 11.7760% | 2,087 |
| Tier 1 risk-based capital ratio | 37.5255% | 380 |
| Total risk-based capital ratio | 38.7831% | 375 |
| Memoranda: | ||
| Average total assets | $8,985,400 | 8,261 |
| Average earning assets | $7,879,000 | 8,254 |
| Average equity | $1,135,200 | 8,260 |
| Average total loans | $2,990,800 | 8,219 |