Home > Ventura County Business Bank > Performance and Condition Ratios
Ventura County Business 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 | 4.1498% | 6,385 |
| Cost of funding earning assets | 0.6063% | 6,425 |
| Net interest margin | 3.5435% | 4,950 |
| Noninterest income to average assets | 0.2835% | 5,613 |
| Noninterest expense to average assets | 5.9608% | 197 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -2.3215% | 7,245 |
| Return on assets (ROA) | -2.3215% | 7,249 |
| Pretax return on assets | -2.3189% | 7,228 |
| Return on Equity (ROE) | -57.4467% | 7,364 |
| Retained earnings to average equity (ytd only) | -57.4467% | 7,361 |
| Net charge-offs to loans | -3.0508% | 7,463 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 163.6746% | 113 |
| Assets per employee ($millions) | 3.3891% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6020% | 69 |
| Loan loss allowance to noncurrent loans | 136.1691% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 4.4914% | 1,400 |
| Noncurrent loans to loans | 4.8484% | 1,362 |
| Net loans and leases to total assets | 48.5125% | 5,992 |
| Net loans and leases to deposits | 56.5559% | 6,086 |
| Net loans and leases to core deposits | 61.4918% | 5,942 |
| Total domestic deposits to total assets | 85.7779% | 3,454 |
| Equity capital to assets | 3.7114% | 7,406 |
| Core capital (leverage) ratio | 2.7314% | 7,434 |
| Tier 1 risk-based capital ratio | 4.9042% | 7,403 |
| Total risk-based capital ratio | 6.2354% | 7,401 |
| Memoranda: | ||
| Average total assets | $78,312,000 | 5,593 |
| Average earning assets | $74,220,000 | 5,486 |
| Average equity | $3,164,670 | 7,084 |
| Average total loans | $43,267,000 | 5,648 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 5,975 |
| Cost of funding earning assets | 0.6218% | 6,513 |
| Net interest margin | 3.6932% | 4,142 |
| Noninterest income to average assets | 0.3210% | 5,352 |
| Noninterest expense to average assets | 6.0081% | 197 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -2.1760% | 7,310 |
| Return on assets (ROA) | -2.1760% | 7,307 |
| Pretax return on assets | -2.1760% | 7,287 |
| Return on Equity (ROE) | -51.7497% | 7,419 |
| Retained earnings to average equity (ytd only) | -51.7497% | 7,407 |
| Net charge-offs to loans | -2.1229% | 7,514 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.7819% | 133 |
| Assets per employee ($millions) | 3.3539% | 5,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3419% | 153 |
| Loan loss allowance to noncurrent loans | 113.8088% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 4.3668% | 1,495 |
| Noncurrent loans to loans | 4.6937% | 1,478 |
| Net loans and leases to total assets | 49.5323% | 5,903 |
| Net loans and leases to deposits | 57.7140% | 5,952 |
| Net loans and leases to core deposits | 63.4135% | 5,790 |
| Total domestic deposits to total assets | 85.8236% | 3,624 |
| Equity capital to assets | 3.9618% | 7,443 |
| Core capital (leverage) ratio | 3.3451% | 7,471 |
| Tier 1 risk-based capital ratio | 5.1484% | 7,451 |
| Total risk-based capital ratio | 6.4561% | 7,450 |
| Memoranda: | ||
| Average total assets | $78,493,500 | 5,631 |
| Average earning assets | $74,623,000 | 5,522 |
| Average equity | $3,300,500 | 7,077 |
| Average total loans | $44,656,500 | 5,629 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5348% | 6,301 |
| Cost of funding earning assets | 0.7793% | 6,647 |
| Net interest margin | 3.7555% | 4,130 |
| Noninterest income to average assets | -3.0558% | 7,653 |
| Noninterest expense to average assets | 5.1451% | 383 |
| Loan and lease loss provision to assets | 4.3812% | 125 |
| Net operating income to assets | -9.3854% | 7,633 |
| Return on assets (ROA) | -9.3854% | 7,636 |
| Pretax return on assets | -9.1745% | 7,636 |
| Return on Equity (ROE) | -187.8705% | 7,645 |
| Retained earnings to average equity (ytd only) | -187.8705% | 7,645 |
| Net charge-offs to loans | 6.8881% | 57 |
| Credit loss provision to net charge-offs | 96.1528% | 4,829 |
| Earnings coverage of net charge-offs (x) | -1.0520% | 6,618 |
| Efficiency ratio | 1,462.6263% | 4 |
| Assets per employee ($millions) | 2.9421% | 6,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2655% | 319 |
| Loan loss allowance to noncurrent loans | 57.3178% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 6.6018% | 859 |
| Noncurrent loans to loans | 7.4418% | 732 |
| Net loans and leases to total assets | 59.0635% | 4,834 |
| Net loans and leases to deposits | 69.6652% | 4,856 |
| Net loans and leases to core deposits | 75.4723% | 4,791 |
| Total domestic deposits to total assets | 84.7818% | 3,954 |
| Equity capital to assets | 4.4605% | 7,480 |
| Core capital (leverage) ratio | 3.7071% | 7,517 |
| Tier 1 risk-based capital ratio | 5.5480% | 7,502 |
| Total risk-based capital ratio | 6.8455% | 7,506 |
| Memoranda: | ||
| Average total assets | $84,429,400 | 5,460 |
| Average earning assets | $76,608,200 | 5,459 |
| Average equity | $4,217,800 | 6,912 |
| Average total loans | $55,849,800 | 5,244 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5681% | 6,419 |
| Cost of funding earning assets | 0.8129% | 6,718 |
| Net interest margin | 3.7552% | 4,167 |
| Noninterest income to average assets | -1.0955% | 7,737 |
| Noninterest expense to average assets | 5.0207% | 374 |
| Loan and lease loss provision to assets | 3.7555% | 176 |
| Net operating income to assets | -6.5019% | 7,707 |
| Return on assets (ROA) | -7.0420% | 7,718 |
| Pretax return on assets | -7.0404% | 7,712 |
| Return on Equity (ROE) | -137.6971% | 7,721 |
| Retained earnings to average equity (ytd only) | -137.6971% | 7,721 |
| Net charge-offs to loans | 5.3273% | 148 |
| Credit loss provision to net charge-offs | 105.0043% | 4,080 |
| Earnings coverage of net charge-offs (x) | -0.7675% | 6,407 |
| Efficiency ratio | 220.6102% | 65 |
| Assets per employee ($millions) | 3.5999% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1897% | 318 |
| Loan loss allowance to noncurrent loans | 34.5366% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 11.2915% | 314 |
| Noncurrent loans to loans | 12.1313% | 280 |
| Net loans and leases to total assets | 62.8888% | 4,350 |
| Net loans and leases to deposits | 76.9595% | 4,015 |
| Net loans and leases to core deposits | 81.7798% | 4,274 |
| Total domestic deposits to total assets | 81.7167% | 5,109 |
| Equity capital to assets | 8.3071% | 6,498 |
| Core capital (leverage) ratio | 7.6055% | 6,763 |
| Tier 1 risk-based capital ratio | 10.1163% | 7,002 |
| Total risk-based capital ratio | 11.4116% | 6,956 |
| Memoranda: | ||
| Average total assets | $86,413,250 | 5,461 |
| Average earning assets | $77,579,500 | 5,496 |
| Average equity | $4,419,250 | 6,935 |
| Average total loans | $58,014,000 | 5,233 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 6,195 |
| Cost of funding earning assets | 0.8723% | 6,679 |
| Net interest margin | 3.8109% | 3,846 |
| Noninterest income to average assets | -1.6549% | 7,814 |
| Noninterest expense to average assets | 4.9921% | 380 |
| Loan and lease loss provision to assets | 5.3505% | 91 |
| Net operating income to assets | -8.6192% | 7,796 |
| Return on assets (ROA) | -9.4181% | 7,802 |
| Pretax return on assets | -9.4158% | 7,805 |
| Return on Equity (ROE) | -229.2432% | 7,808 |
| Retained earnings to average equity (ytd only) | -229.2432% | 7,808 |
| Net charge-offs to loans | 5.4122% | 175 |
| Credit loss provision to net charge-offs | 146.2258% | 2,706 |
| Earnings coverage of net charge-offs (x) | -0.8927% | 6,098 |
| Efficiency ratio | 289.2857% | 46 |
| Assets per employee ($millions) | 3.9291% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1037% | 165 |
| Loan loss allowance to noncurrent loans | 47.5270% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 9.8240% | 422 |
| Noncurrent loans to loans | 10.7385% | 386 |
| Net loans and leases to total assets | 62.4229% | 4,597 |
| Net loans and leases to deposits | 76.0243% | 4,333 |
| Net loans and leases to core deposits | 80.1387% | 4,676 |
| Total domestic deposits to total assets | 82.1092% | 4,936 |
| Equity capital to assets | 8.3167% | 6,408 |
| Core capital (leverage) ratio | 7.7379% | 6,571 |
| Tier 1 risk-based capital ratio | 10.4902% | 6,696 |
| Total risk-based capital ratio | 11.7953% | 6,644 |
| Memoranda: | ||
| Average total assets | $87,618,670 | 5,463 |
| Average earning assets | $77,724,330 | 5,519 |
| Average equity | $3,599,670 | 7,238 |
| Average total loans | $59,236,330 | 5,215 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9083% | 5,426 |
| Cost of funding earning assets | 0.9996% | 6,378 |
| Net interest margin | 3.9088% | 3,288 |
| Noninterest income to average assets | 0.1678% | 6,766 |
| Noninterest expense to average assets | 4.6708% | 484 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.1337% | 7,185 |
| Return on assets (ROA) | -1.1337% | 7,201 |
| Pretax return on assets | -1.1337% | 7,114 |
| Return on Equity (ROE) | -55.4017% | 7,734 |
| Retained earnings to average equity (ytd only) | -55.4017% | 7,725 |
| Net charge-offs to loans | -0.0199% | 7,076 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.0513% | 318 |
| Assets per employee ($millions) | 3.6515% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6754% | 478 |
| Loan loss allowance to noncurrent loans | 61.2511% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 8.6647% | 532 |
| Noncurrent loans to loans | 6.0005% | 1,096 |
| Net loans and leases to total assets | 67.5295% | 3,502 |
| Net loans and leases to deposits | 76.6343% | 4,295 |
| Net loans and leases to core deposits | 81.2883% | 4,583 |
| Total domestic deposits to total assets | 88.1192% | 1,995 |
| Equity capital to assets | 2.0325% | 7,885 |
| Core capital (leverage) ratio | 1.5963% | 7,895 |
| Tier 1 risk-based capital ratio | 2.0342% | 7,900 |
| Total risk-based capital ratio | 3.3217% | 7,901 |
| Memoranda: | ||
| Average total assets | $88,207,500 | 5,504 |
| Average earning assets | $76,034,000 | 5,636 |
| Average equity | $1,805,000 | 7,785 |
| Average total loans | $60,424,000 | 5,232 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7389% | 7,077 |
| Cost of funding earning assets | 1.3634% | 6,079 |
| Net interest margin | 3.3756% | 5,465 |
| Noninterest income to average assets | -1.5370% | 8,000 |
| Noninterest expense to average assets | 4.0923% | 1,244 |
| Loan and lease loss provision to assets | 5.6438% | 138 |
| Net operating income to assets | -8.1855% | 7,937 |
| Return on assets (ROA) | -8.0689% | 7,927 |
| Pretax return on assets | -8.0679% | 7,918 |
| Return on Equity (ROE) | -132.3084% | 7,979 |
| Retained earnings to average equity (ytd only) | -132.3084% | 7,979 |
| Net charge-offs to loans | 7.0111% | 118 |
| Credit loss provision to net charge-offs | 111.7760% | 4,911 |
| Earnings coverage of net charge-offs (x) | -0.5032% | 6,693 |
| Efficiency ratio | 263.7445% | 73 |
| Assets per employee ($millions) | 3.8513% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4872% | 538 |
| Loan loss allowance to noncurrent loans | 37.4199% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 9.2664% | 430 |
| Noncurrent loans to loans | 9.3190% | 467 |
| Net loans and leases to total assets | 64.7066% | 4,440 |
| Net loans and leases to deposits | 77.4206% | 4,483 |
| Net loans and leases to core deposits | 101.1124% | 3,888 |
| Total domestic deposits to total assets | 83.5780% | 4,245 |
| Equity capital to assets | 2.0588% | 7,957 |
| Core capital (leverage) ratio | 1.6308% | 7,969 |
| Tier 1 risk-based capital ratio | 2.2509% | 7,965 |
| Total risk-based capital ratio | 3.5355% | 7,966 |
| Memoranda: | ||
| Average total assets | $102,926,200 | 5,015 |
| Average earning assets | $94,177,200 | 5,007 |
| Average equity | $6,277,000 | 6,507 |
| Average total loans | $74,125,000 | 4,724 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6008% | 7,415 |
| Cost of funding earning assets | 1.4061% | 6,206 |
| Net interest margin | 3.1947% | 6,042 |
| Noninterest income to average assets | -0.2792% | 8,010 |
| Noninterest expense to average assets | 3.5180% | 2,236 |
| Loan and lease loss provision to assets | 5.3168% | 149 |
| Net operating income to assets | -6.1619% | 7,932 |
| Return on assets (ROA) | -6.0103% | 7,920 |
| Pretax return on assets | -6.0090% | 7,906 |
| Return on Equity (ROE) | -86.0707% | 7,979 |
| Retained earnings to average equity (ytd only) | -86.0707% | 7,978 |
| Net charge-offs to loans | 6.4485% | 124 |
| Credit loss provision to net charge-offs | 112.7814% | 4,503 |
| Earnings coverage of net charge-offs (x) | -0.1790% | 6,266 |
| Efficiency ratio | 131.5541% | 457 |
| Assets per employee ($millions) | 5.4967% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8835% | 734 |
| Loan loss allowance to noncurrent loans | 19.2293% | 7,127 |
| Noncurrent assets plus other real estate owned to assets | 12.8920% | 186 |
| Noncurrent loans to loans | 14.9953% | 144 |
| Net loans and leases to total assets | 65.3370% | 4,569 |
| Net loans and leases to deposits | 79.5486% | 4,465 |
| Net loans and leases to core deposits | 113.8196% | 2,846 |
| Total domestic deposits to total assets | 82.1347% | 4,619 |
| Equity capital to assets | 5.2146% | 7,936 |
| Core capital (leverage) ratio | 4.8574% | 7,932 |
| Tier 1 risk-based capital ratio | 6.2328% | 7,944 |
| Total risk-based capital ratio | 7.4974% | 7,946 |
| Memoranda: | ||
| Average total assets | $105,550,000 | 4,967 |
| Average earning assets | $97,575,250 | 4,940 |
| Average equity | $7,370,500 | 6,194 |
| Average total loans | $77,163,750 | 4,656 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 7,665 |
| Cost of funding earning assets | 1.4996% | 6,141 |
| Net interest margin | 2.9549% | 6,670 |
| Noninterest income to average assets | -0.0113% | 7,980 |
| Noninterest expense to average assets | 3.4573% | 2,470 |
| Loan and lease loss provision to assets | 5.8666% | 148 |
| Net operating income to assets | -6.5653% | 8,028 |
| Return on assets (ROA) | -6.3387% | 8,006 |
| Pretax return on assets | -6.3368% | 7,967 |
| Return on Equity (ROE) | -83.7993% | 8,046 |
| Retained earnings to average equity (ytd only) | -83.7993% | 8,045 |
| Net charge-offs to loans | 8.5850% | 82 |
| Credit loss provision to net charge-offs | 91.0877% | 4,886 |
| Earnings coverage of net charge-offs (x) | -0.1082% | 5,800 |
| Efficiency ratio | 125.2394% | 581 |
| Assets per employee ($millions) | 5.4169% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7261% | 2,253 |
| Loan loss allowance to noncurrent loans | 14.2367% | 7,387 |
| Noncurrent assets plus other real estate owned to assets | 11.8119% | 192 |
| Noncurrent loans to loans | 12.1244% | 218 |
| Net loans and leases to total assets | 68.8696% | 3,978 |
| Net loans and leases to deposits | 85.4463% | 3,659 |
| Net loans and leases to core deposits | 124.2367% | 2,004 |
| Total domestic deposits to total assets | 80.5999% | 5,234 |
| Equity capital to assets | 6.5642% | 7,803 |
| Core capital (leverage) ratio | 6.2289% | 7,876 |
| Tier 1 risk-based capital ratio | 7.5711% | 7,951 |
| Total risk-based capital ratio | 8.8344% | 7,962 |
| Memoranda: | ||
| Average total assets | $105,921,000 | 4,991 |
| Average earning assets | $99,361,330 | 4,908 |
| Average equity | $8,012,000 | 6,021 |
| Average total loans | $79,464,330 | 4,606 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6831% | 7,529 |
| Cost of funding earning assets | 1.6832% | 5,671 |
| Net interest margin | 2.9999% | 6,478 |
| Noninterest income to average assets | 0.1378% | 7,317 |
| Noninterest expense to average assets | 3.5152% | 2,058 |
| Loan and lease loss provision to assets | 10.0167% | 44 |
| Net operating income to assets | -10.5604% | 8,177 |
| Return on assets (ROA) | -10.1135% | 8,165 |
| Pretax return on assets | -10.1135% | 8,154 |
| Return on Equity (ROE) | -125.7407% | 8,167 |
| Retained earnings to average equity (ytd only) | -125.7407% | 8,165 |
| Net charge-offs to loans | 12.4187% | 39 |
| Credit loss provision to net charge-offs | 104.2232% | 3,623 |
| Earnings coverage of net charge-offs (x) | -0.0566% | 5,028 |
| Efficiency ratio | 118.2957% | 659 |
| Assets per employee ($millions) | 5.8932% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1022% | 1,230 |
| Loan loss allowance to noncurrent loans | 20.5988% | 7,134 |
| Noncurrent assets plus other real estate owned to assets | 11.2370% | 169 |
| Noncurrent loans to loans | 10.2057% | 277 |
| Net loans and leases to total assets | 72.7861% | 3,053 |
| Net loans and leases to deposits | 82.5078% | 4,205 |
| Net loans and leases to core deposits | 113.2178% | 3,079 |
| Total domestic deposits to total assets | 88.2172% | 1,632 |
| Equity capital to assets | 6.8176% | 7,761 |
| Core capital (leverage) ratio | 6.4570% | 7,899 |
| Tier 1 risk-based capital ratio | 7.6324% | 8,042 |
| Total risk-based capital ratio | 8.8990% | 8,060 |
| Memoranda: | ||
| Average total assets | $107,420,500 | 4,971 |
| Average earning assets | $101,471,500 | 4,876 |
| Average equity | $8,640,000 | 5,833 |
| Average total loans | $83,133,000 | 4,527 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6660% | 6,883 |
| Cost of funding earning assets | 2.1524% | 5,818 |
| Net interest margin | 3.5136% | 5,252 |
| Noninterest income to average assets | 0.1787% | 7,163 |
| Noninterest expense to average assets | 3.8420% | 1,674 |
| Loan and lease loss provision to assets | 1.3082% | 1,084 |
| Net operating income to assets | -1.6077% | 7,505 |
| Return on assets (ROA) | -1.6077% | 7,453 |
| Pretax return on assets | -1.6068% | 7,302 |
| Return on Equity (ROE) | -15.6505% | 7,612 |
| Retained earnings to average equity (ytd only) | -15.6505% | 7,496 |
| Net charge-offs to loans | 1.2389% | 971 |
| Credit loss provision to net charge-offs | 125.4330% | 4,258 |
| Earnings coverage of net charge-offs (x) | -0.2862% | 6,409 |
| Efficiency ratio | 108.4250% | 745 |
| Assets per employee ($millions) | 5.4382% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7724% | 1,698 |
| Loan loss allowance to noncurrent loans | 20.0804% | 7,237 |
| Noncurrent assets plus other real estate owned to assets | 7.0925% | 362 |
| Noncurrent loans to loans | 8.8263% | 278 |
| Net loans and leases to total assets | 78.9322% | 1,904 |
| Net loans and leases to deposits | 91.9095% | 3,150 |
| Net loans and leases to core deposits | 118.4075% | 2,843 |
| Total domestic deposits to total assets | 85.8803% | 2,462 |
| Equity capital to assets | 9.2384% | 5,019 |
| Core capital (leverage) ratio | 9.2476% | 4,370 |
| Tier 1 risk-based capital ratio | 9.9753% | 6,758 |
| Total risk-based capital ratio | 11.2393% | 6,628 |
| Memoranda: | ||
| Average total assets | $105,180,200 | 4,897 |
| Average earning assets | $100,723,000 | 4,788 |
| Average equity | $10,804,800 | 5,183 |
| Average total loans | $88,545,800 | 4,272 |