Home > Wilmington Trust > Performance and Condition Ratios
Wilmington Trust, 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 | 0.0048% | 7,510 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | 0.0048% | 7,507 |
| Noninterest income to average assets | 2.3497% | 294 |
| Noninterest expense to average assets | 2.3896% | 5,874 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.0209% | 6,257 |
| Return on assets (ROA) | -0.0209% | 6,323 |
| Pretax return on assets | -0.0371% | 6,304 |
| Return on Equity (ROE) | -0.1335% | 6,317 |
| Retained earnings to average equity (ytd only) | -0.1335% | 5,864 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3760% | 782 |
| Assets per employee ($millions) | 1.1699% | 7,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 21.9425% | 7,467 |
| Equity capital to assets | 45.5160% | 49 |
| Core capital (leverage) ratio | 94.7539% | 4 |
| Tier 1 risk-based capital ratio | 73.0572% | 76 |
| Total risk-based capital ratio | 73.0572% | 78 |
| Memoranda: | ||
| Average total assets | $1,591,384,670 | 427 |
| Average earning assets | $964,532,000 | 630 |
| Average equity | $248,664,000 | 305 |
| Average total loans | $660,351,330 | 640 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0156% | 7,393 |
| Cost of funding earning assets | 0.6125% | 6,555 |
| Net interest margin | 2.4031% | 7,257 |
| Noninterest income to average assets | 8.6060% | 81 |
| Noninterest expense to average assets | 8.4007% | 98 |
| Loan and lease loss provision to assets | 0.8224% | 1,016 |
| Net operating income to assets | 0.8411% | 2,820 |
| Return on assets (ROA) | 0.8411% | 2,880 |
| Pretax return on assets | 0.9482% | 3,325 |
| Return on Equity (ROE) | 6.9117% | 3,430 |
| Retained earnings to average equity (ytd only) | 6.9117% | 2,186 |
| Net charge-offs to loans | 1.1751% | 1,184 |
| Credit loss provision to net charge-offs | 151.1684% | 1,897 |
| Earnings coverage of net charge-offs (x) | 3.2546% | 2,801 |
| Efficiency ratio | 80.8333% | 2,392 |
| Assets per employee ($millions) | 4.5244% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6621% | 127 |
| Loan loss allowance to noncurrent loans | 70.4514% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 3.5566% | 1,911 |
| Noncurrent loans to loans | 8.0369% | 619 |
| Net loans and leases to total assets | 39.6991% | 6,800 |
| Net loans and leases to deposits | 48.7942% | 6,704 |
| Net loans and leases to core deposits | 48.9456% | 6,837 |
| Total domestic deposits to total assets | 81.3602% | 5,546 |
| Equity capital to assets | 11.4265% | 2,328 |
| Core capital (leverage) ratio | 6.7911% | 7,081 |
| Tier 1 risk-based capital ratio | 12.9181% | 4,881 |
| Total risk-based capital ratio | 14.2115% | 4,842 |
| Memoranda: | ||
| Average total assets | $2,139,634,500 | 330 |
| Average earning assets | $1,393,685,000 | 443 |
| Average equity | $260,370,000 | 295 |
| Average total loans | $990,527,000 | 443 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2260% | 7,458 |
| Cost of funding earning assets | 0.8866% | 6,217 |
| Net interest margin | 2.3394% | 7,350 |
| Noninterest income to average assets | 9.4241% | 67 |
| Noninterest expense to average assets | 10.1124% | 78 |
| Loan and lease loss provision to assets | 2.7499% | 376 |
| Net operating income to assets | -1.6185% | 6,951 |
| Return on assets (ROA) | -1.6203% | 6,970 |
| Pretax return on assets | -1.6250% | 6,902 |
| Return on Equity (ROE) | -12.5168% | 6,828 |
| Retained earnings to average equity (ytd only) | -12.5168% | 6,780 |
| Net charge-offs to loans | 2.4575% | 764 |
| Credit loss provision to net charge-offs | 201.9769% | 1,541 |
| Earnings coverage of net charge-offs (x) | 0.8276% | 5,302 |
| Efficiency ratio | 86.4939% | 1,634 |
| Assets per employee ($millions) | 3.7948% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2546% | 163 |
| Loan loss allowance to noncurrent loans | 65.0087% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 4.3271% | 1,542 |
| Noncurrent loans to loans | 8.0829% | 637 |
| Net loans and leases to total assets | 48.4924% | 6,339 |
| Net loans and leases to deposits | 60.6290% | 5,988 |
| Net loans and leases to core deposits | 61.0047% | 6,314 |
| Total domestic deposits to total assets | 79.9821% | 5,838 |
| Equity capital to assets | 13.0303% | 1,378 |
| Core capital (leverage) ratio | 7.3198% | 6,832 |
| Tier 1 risk-based capital ratio | 12.0425% | 5,433 |
| Total risk-based capital ratio | 13.3352% | 5,379 |
| Memoranda: | ||
| Average total assets | $1,995,165,800 | 348 |
| Average earning assets | $1,548,006,600 | 400 |
| Average equity | $258,269,800 | 291 |
| Average total loans | $1,105,333,000 | 407 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2525% | 7,589 |
| Cost of funding earning assets | 0.9710% | 6,075 |
| Net interest margin | 2.2815% | 7,489 |
| Noninterest income to average assets | 8.6575% | 75 |
| Noninterest expense to average assets | 9.7120% | 83 |
| Loan and lease loss provision to assets | 3.5460% | 202 |
| Net operating income to assets | -2.8255% | 7,414 |
| Return on assets (ROA) | -2.8255% | 7,431 |
| Pretax return on assets | -2.7996% | 7,379 |
| Return on Equity (ROE) | -21.8628% | 7,256 |
| Retained earnings to average equity (ytd only) | -21.8628% | 7,242 |
| Net charge-offs to loans | 2.7284% | 596 |
| Credit loss provision to net charge-offs | 230.2508% | 1,494 |
| Earnings coverage of net charge-offs (x) | 0.4847% | 5,540 |
| Efficiency ratio | 90.8331% | 1,220 |
| Assets per employee ($millions) | 3.4428% | 5,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1951% | 152 |
| Loan loss allowance to noncurrent loans | 66.7747% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 4.7836% | 1,378 |
| Noncurrent loans to loans | 7.7800% | 683 |
| Net loans and leases to total assets | 56.9407% | 5,420 |
| Net loans and leases to deposits | 73.8822% | 4,532 |
| Net loans and leases to core deposits | 74.6079% | 5,217 |
| Total domestic deposits to total assets | 77.0696% | 6,464 |
| Equity capital to assets | 13.9049% | 1,198 |
| Core capital (leverage) ratio | 8.4905% | 5,526 |
| Tier 1 risk-based capital ratio | 12.1549% | 5,315 |
| Total risk-based capital ratio | 13.4481% | 5,245 |
| Memoranda: | ||
| Average total assets | $1,998,734,000 | 346 |
| Average earning assets | $1,577,778,000 | 388 |
| Average equity | $258,308,000 | 288 |
| Average total loans | $1,128,202,250 | 396 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1907% | 7,676 |
| Cost of funding earning assets | 1.0986% | 5,677 |
| Net interest margin | 2.0921% | 7,623 |
| Noninterest income to average assets | 8.3292% | 80 |
| Noninterest expense to average assets | 9.3377% | 91 |
| Loan and lease loss provision to assets | 1.8898% | 658 |
| Net operating income to assets | -0.7715% | 6,847 |
| Return on assets (ROA) | -0.7715% | 6,863 |
| Pretax return on assets | -1.2395% | 6,982 |
| Return on Equity (ROE) | -6.1027% | 6,775 |
| Retained earnings to average equity (ytd only) | -6.1027% | 6,662 |
| Net charge-offs to loans | 1.6181% | 1,174 |
| Credit loss provision to net charge-offs | 210.7735% | 1,845 |
| Earnings coverage of net charge-offs (x) | 0.7253% | 5,024 |
| Efficiency ratio | 91.3590% | 1,227 |
| Assets per employee ($millions) | 3.7958% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2420% | 676 |
| Loan loss allowance to noncurrent loans | 60.8909% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 3.0797% | 2,309 |
| Noncurrent loans to loans | 5.3242% | 1,265 |
| Net loans and leases to total assets | 54.5294% | 5,911 |
| Net loans and leases to deposits | 76.6368% | 4,213 |
| Net loans and leases to core deposits | 77.5198% | 5,020 |
| Total domestic deposits to total assets | 71.1530% | 7,251 |
| Equity capital to assets | 13.1070% | 1,528 |
| Core capital (leverage) ratio | 7.9477% | 6,330 |
| Tier 1 risk-based capital ratio | 11.6557% | 5,625 |
| Total risk-based capital ratio | 12.9253% | 5,568 |
| Memoranda: | ||
| Average total assets | $2,070,529,670 | 335 |
| Average earning assets | $1,641,731,330 | 375 |
| Average equity | $261,753,330 | 281 |
| Average total loans | $1,147,238,330 | 398 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1857% | 7,779 |
| Cost of funding earning assets | 1.2071% | 5,365 |
| Net interest margin | 1.9786% | 7,726 |
| Noninterest income to average assets | 7.8804% | 87 |
| Noninterest expense to average assets | 8.6235% | 105 |
| Loan and lease loss provision to assets | 1.5610% | 742 |
| Net operating income to assets | -0.3626% | 6,731 |
| Return on assets (ROA) | -0.3626% | 6,775 |
| Pretax return on assets | -0.7410% | 6,918 |
| Return on Equity (ROE) | -2.9179% | 6,728 |
| Retained earnings to average equity (ytd only) | -2.9179% | 6,348 |
| Net charge-offs to loans | 1.6646% | 1,043 |
| Credit loss provision to net charge-offs | 170.5967% | 2,131 |
| Earnings coverage of net charge-offs (x) | 0.8961% | 4,243 |
| Efficiency ratio | 89.0147% | 1,504 |
| Assets per employee ($millions) | 3.6791% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5452% | 1,237 |
| Loan loss allowance to noncurrent loans | 53.8667% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 2.8632% | 2,521 |
| Noncurrent loans to loans | 4.7250% | 1,561 |
| Net loans and leases to total assets | 57.7158% | 5,493 |
| Net loans and leases to deposits | 84.0140% | 2,944 |
| Net loans and leases to core deposits | 85.0664% | 4,038 |
| Total domestic deposits to total assets | 68.6978% | 7,487 |
| Equity capital to assets | 13.6721% | 1,254 |
| Core capital (leverage) ratio | 7.9724% | 6,274 |
| Tier 1 risk-based capital ratio | 11.2051% | 5,952 |
| Total risk-based capital ratio | 12.4676% | 5,893 |
| Memoranda: | ||
| Average total assets | $2,124,568,500 | 335 |
| Average earning assets | $1,678,374,500 | 386 |
| Average equity | $264,021,000 | 283 |
| Average total loans | $1,167,873,500 | 408 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6720% | 7,793 |
| Cost of funding earning assets | 1.6709% | 4,665 |
| Net interest margin | 2.0011% | 7,744 |
| Noninterest income to average assets | 6.3180% | 114 |
| Noninterest expense to average assets | 7.5803% | 167 |
| Loan and lease loss provision to assets | 0.8654% | 2,579 |
| Net operating income to assets | -0.3084% | 5,980 |
| Return on assets (ROA) | -0.0690% | 5,640 |
| Pretax return on assets | -0.1383% | 5,633 |
| Return on Equity (ROE) | -0.5567% | 5,628 |
| Retained earnings to average equity (ytd only) | -0.5567% | 5,125 |
| Net charge-offs to loans | 0.8599% | 2,676 |
| Credit loss provision to net charge-offs | 174.9207% | 2,399 |
| Earnings coverage of net charge-offs (x) | 0.7135% | 5,390 |
| Efficiency ratio | 92.6827% | 1,516 |
| Assets per employee ($millions) | 4.4711% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1379% | 1,755 |
| Loan loss allowance to noncurrent loans | 47.2437% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 2.3919% | 2,910 |
| Noncurrent loans to loans | 4.5252% | 1,573 |
| Net loans and leases to total assets | 50.3499% | 6,599 |
| Net loans and leases to deposits | 71.6323% | 5,378 |
| Net loans and leases to core deposits | 72.7424% | 6,608 |
| Total domestic deposits to total assets | 70.2894% | 7,404 |
| Equity capital to assets | 11.3966% | 2,396 |
| Core capital (leverage) ratio | 7.0559% | 7,193 |
| Tier 1 risk-based capital ratio | 10.8529% | 6,062 |
| Total risk-based capital ratio | 12.1094% | 6,024 |
| Memoranda: | ||
| Average total assets | $2,167,251,000 | 328 |
| Average earning assets | $1,749,436,200 | 365 |
| Average equity | $268,545,600 | 275 |
| Average total loans | $1,246,921,000 | 394 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9478% | 7,820 |
| Cost of funding earning assets | 1.7429% | 4,681 |
| Net interest margin | 2.2049% | 7,703 |
| Noninterest income to average assets | 6.2678% | 119 |
| Noninterest expense to average assets | 7.5898% | 167 |
| Loan and lease loss provision to assets | 0.7765% | 2,432 |
| Net operating income to assets | -0.2176% | 6,094 |
| Return on assets (ROA) | 0.1685% | 5,326 |
| Pretax return on assets | 0.2216% | 5,248 |
| Return on Equity (ROE) | 1.3306% | 5,395 |
| Retained earnings to average equity (ytd only) | 1.3306% | 4,577 |
| Net charge-offs to loans | 1.2835% | 1,602 |
| Credit loss provision to net charge-offs | 102.1936% | 4,982 |
| Earnings coverage of net charge-offs (x) | 0.6450% | 5,383 |
| Efficiency ratio | 91.0065% | 1,610 |
| Assets per employee ($millions) | 3.9063% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 3,366 |
| Loan loss allowance to noncurrent loans | 45.4260% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 2.0359% | 3,299 |
| Noncurrent loans to loans | 3.3299% | 2,269 |
| Net loans and leases to total assets | 58.1975% | 5,860 |
| Net loans and leases to deposits | 91.7288% | 2,283 |
| Net loans and leases to core deposits | 94.0339% | 5,014 |
| Total domestic deposits to total assets | 63.4452% | 7,789 |
| Equity capital to assets | 13.5173% | 1,492 |
| Core capital (leverage) ratio | 8.4359% | 5,603 |
| Tier 1 risk-based capital ratio | 11.5871% | 5,354 |
| Total risk-based capital ratio | 12.8377% | 5,290 |
| Memoranda: | ||
| Average total assets | $2,127,826,750 | 344 |
| Average earning assets | $1,748,766,750 | 381 |
| Average equity | $269,441,000 | 284 |
| Average total loans | $1,259,605,750 | 408 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 7,914 |
| Cost of funding earning assets | 1.8164% | 4,680 |
| Net interest margin | 2.1505% | 7,777 |
| Noninterest income to average assets | 5.8808% | 121 |
| Noninterest expense to average assets | 7.4120% | 191 |
| Loan and lease loss provision to assets | 0.8134% | 2,059 |
| Net operating income to assets | -0.3997% | 6,449 |
| Return on assets (ROA) | 0.1078% | 5,642 |
| Pretax return on assets | 0.1588% | 5,551 |
| Return on Equity (ROE) | 0.8690% | 5,669 |
| Retained earnings to average equity (ytd only) | 0.8690% | 4,832 |
| Net charge-offs to loans | 1.4394% | 1,314 |
| Credit loss provision to net charge-offs | 95.4119% | 4,758 |
| Earnings coverage of net charge-offs (x) | 0.2650% | 5,406 |
| Efficiency ratio | 93.9100% | 1,501 |
| Assets per employee ($millions) | 4.5754% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 3,739 |
| Loan loss allowance to noncurrent loans | 49.7949% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 1.5550% | 3,891 |
| Noncurrent loans to loans | 2.8062% | 2,569 |
| Net loans and leases to total assets | 52.2701% | 6,649 |
| Net loans and leases to deposits | 77.7223% | 4,919 |
| Net loans and leases to core deposits | 79.3189% | 6,463 |
| Total domestic deposits to total assets | 67.2524% | 7,665 |
| Equity capital to assets | 11.5971% | 2,472 |
| Core capital (leverage) ratio | 7.0697% | 7,487 |
| Tier 1 risk-based capital ratio | 10.7053% | 6,176 |
| Total risk-based capital ratio | 11.8846% | 6,182 |
| Memoranda: | ||
| Average total assets | $2,173,031,330 | 344 |
| Average earning assets | $1,775,617,670 | 379 |
| Average equity | $269,490,000 | 289 |
| Average total loans | $1,287,066,000 | 411 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 7,920 |
| Cost of funding earning assets | 1.9565% | 4,345 |
| Net interest margin | 2.2012% | 7,796 |
| Noninterest income to average assets | 5.8063% | 117 |
| Noninterest expense to average assets | 7.9264% | 154 |
| Loan and lease loss provision to assets | 1.0826% | 1,207 |
| Net operating income to assets | -1.1095% | 7,314 |
| Return on assets (ROA) | 0.2042% | 5,812 |
| Pretax return on assets | 0.2391% | 5,850 |
| Return on Equity (ROE) | 1.5896% | 5,925 |
| Retained earnings to average equity (ytd only) | 1.5896% | 4,963 |
| Net charge-offs to loans | 1.8729% | 772 |
| Credit loss provision to net charge-offs | 92.2715% | 3,960 |
| Earnings coverage of net charge-offs (x) | -0.1907% | 5,127 |
| Efficiency ratio | 99.5657% | 1,151 |
| Assets per employee ($millions) | 4.0395% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 4,087 |
| Loan loss allowance to noncurrent loans | 47.2672% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 1.7696% | 3,265 |
| Noncurrent loans to loans | 2.7487% | 2,383 |
| Net loans and leases to total assets | 63.5434% | 5,063 |
| Net loans and leases to deposits | 102.6547% | 1,120 |
| Net loans and leases to core deposits | 105.1639% | 4,011 |
| Total domestic deposits to total assets | 61.9002% | 7,920 |
| Equity capital to assets | 13.1434% | 1,683 |
| Core capital (leverage) ratio | 7.9665% | 6,519 |
| Tier 1 risk-based capital ratio | 10.3302% | 6,565 |
| Total risk-based capital ratio | 11.4799% | 6,595 |
| Memoranda: | ||
| Average total assets | $2,104,271,000 | 356 |
| Average earning assets | $1,812,844,000 | 371 |
| Average equity | $270,256,000 | 287 |
| Average total loans | $1,318,177,500 | 405 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 8,067 |
| Cost of funding earning assets | 2.6471% | 3,451 |
| Net interest margin | 1.6333% | 8,165 |
| Noninterest income to average assets | 8.3308% | 85 |
| Noninterest expense to average assets | 9.8086% | 147 |
| Loan and lease loss provision to assets | 0.8167% | 1,818 |
| Net operating income to assets | -0.4275% | 6,855 |
| Return on assets (ROA) | -0.4275% | 6,730 |
| Pretax return on assets | -0.9007% | 6,942 |
| Return on Equity (ROE) | -3.1745% | 6,642 |
| Retained earnings to average equity (ytd only) | -3.1745% | 6,147 |
| Net charge-offs to loans | 1.1747% | 1,031 |
| Credit loss provision to net charge-offs | 128.8832% | 4,137 |
| Earnings coverage of net charge-offs (x) | -0.1326% | 6,336 |
| Efficiency ratio | 97.1167% | 1,094 |
| Assets per employee ($millions) | 7.1571% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 3,618 |
| Loan loss allowance to noncurrent loans | 48.0193% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 1.6844% | 2,886 |
| Noncurrent loans to loans | 2.7608% | 1,966 |
| Net loans and leases to total assets | 60.2003% | 5,880 |
| Net loans and leases to deposits | 132.9158% | 174 |
| Net loans and leases to core deposits | 139.1559% | 1,308 |
| Total domestic deposits to total assets | 45.2920% | 8,160 |
| Equity capital to assets | 12.5608% | 1,981 |
| Core capital (leverage) ratio | 7.2719% | 7,448 |
| Tier 1 risk-based capital ratio | 9.9166% | 6,827 |
| Total risk-based capital ratio | 11.0886% | 6,800 |
| Memoranda: | ||
| Average total assets | $1,041,401,400 | 635 |
| Average earning assets | $888,677,400 | 675 |
| Average equity | $140,241,000 | 498 |
| Average total loans | $561,742,600 | 847 |