Home > Wilmington Trust Company > Performance and Condition Ratios
Wilmington Trust Company, 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 | 0.0000% | 7,511 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | 0.0000% | 7,508 |
| Noninterest income to average assets | 0.6803% | 2,650 |
| Noninterest expense to average assets | 0.4166% | 7,493 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1631% | 5,849 |
| Return on assets (ROA) | 0.1631% | 5,945 |
| Pretax return on assets | 0.2637% | 5,767 |
| Return on Equity (ROE) | 1.8475% | 5,845 |
| Retained earnings to average equity (ytd only) | 1.8475% | 5,060 |
| 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 | 58.0459% | 6,153 |
| Assets per employee ($millions) | 1.6321% | 7,386 |
| 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 | 49.9965% | 7,428 |
| Equity capital to assets | 45.6409% | 48 |
| Core capital (leverage) ratio | 91.5129% | 10 |
| Tier 1 risk-based capital ratio | 78.9588% | 68 |
| Total risk-based capital ratio | 78.9588% | 69 |
| Memoranda: | ||
| Average total assets | $6,478,324,000 | 148 |
| Average earning assets | $5,612,001,670 | 151 |
| Average equity | $572,029,670 | 177 |
| Average total loans | $4,244,986,670 | 138 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0466% | 7,386 |
| Cost of funding earning assets | 0.5801% | 6,688 |
| Net interest margin | 2.4664% | 7,217 |
| Noninterest income to average assets | 2.6667% | 248 |
| Noninterest expense to average assets | 4.6917% | 490 |
| Loan and lease loss provision to assets | 1.6160% | 375 |
| Net operating income to assets | -1.3916% | 7,161 |
| Return on assets (ROA) | -1.6091% | 7,224 |
| Pretax return on assets | -1.5874% | 7,187 |
| Return on Equity (ROE) | -24.7038% | 7,275 |
| Retained earnings to average equity (ytd only) | -24.7038% | 7,237 |
| Net charge-offs to loans | 4.7772% | 160 |
| Credit loss provision to net charge-offs | 48.5686% | 3,780 |
| Earnings coverage of net charge-offs (x) | 0.0740% | 4,537 |
| Efficiency ratio | 94.9909% | 984 |
| Assets per employee ($millions) | 4.2855% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6841% | 124 |
| Loan loss allowance to noncurrent loans | 36.1701% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 11.4831% | 304 |
| Noncurrent loans to loans | 15.7149% | 133 |
| Net loans and leases to total assets | 64.6972% | 3,308 |
| Net loans and leases to deposits | 80.8253% | 2,553 |
| Net loans and leases to core deposits | 109.9986% | 724 |
| Total domestic deposits to total assets | 80.0458% | 5,934 |
| Equity capital to assets | 6.4186% | 7,227 |
| Core capital (leverage) ratio | 7.5983% | 6,656 |
| Tier 1 risk-based capital ratio | 9.3223% | 7,186 |
| Total risk-based capital ratio | 10.6276% | 7,175 |
| Memoranda: | ||
| Average total assets | $9,142,185,500 | 120 |
| Average earning assets | $8,418,002,500 | 114 |
| Average equity | $595,472,000 | 171 |
| Average total loans | $6,367,480,000 | 103 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 7,176 |
| Cost of funding earning assets | 0.6025% | 7,122 |
| Net interest margin | 3.3311% | 5,870 |
| Noninterest income to average assets | 2.8204% | 246 |
| Noninterest expense to average assets | 5.0627% | 396 |
| Loan and lease loss provision to assets | 7.1230% | 27 |
| Net operating income to assets | -6.8621% | 7,600 |
| Return on assets (ROA) | -7.2379% | 7,606 |
| Pretax return on assets | -6.7281% | 7,605 |
| Return on Equity (ROE) | -76.1354% | 7,539 |
| Retained earnings to average equity (ytd only) | -76.1354% | 7,537 |
| Net charge-offs to loans | 6.5235% | 78 |
| Credit loss provision to net charge-offs | 133.4867% | 2,925 |
| Earnings coverage of net charge-offs (x) | 0.1444% | 5,974 |
| Efficiency ratio | 86.7351% | 1,595 |
| Assets per employee ($millions) | 4.2708% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8515% | 116 |
| Loan loss allowance to noncurrent loans | 37.2649% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 11.5473% | 307 |
| Noncurrent loans to loans | 15.7024% | 137 |
| Net loans and leases to total assets | 66.5349% | 3,344 |
| Net loans and leases to deposits | 80.7105% | 3,044 |
| Net loans and leases to core deposits | 113.1379% | 770 |
| Total domestic deposits to total assets | 82.4365% | 5,045 |
| Equity capital to assets | 6.6054% | 7,232 |
| Core capital (leverage) ratio | 7.6103% | 6,613 |
| Tier 1 risk-based capital ratio | 9.2779% | 7,189 |
| Total risk-based capital ratio | 10.5851% | 7,180 |
| Memoranda: | ||
| Average total assets | $9,052,440,600 | 118 |
| Average earning assets | $8,188,072,200 | 117 |
| Average equity | $860,580,800 | 130 |
| Average total loans | $7,404,777,600 | 93 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 7,173 |
| Cost of funding earning assets | 0.6002% | 7,291 |
| Net interest margin | 3.5250% | 5,201 |
| Noninterest income to average assets | 2.8141% | 233 |
| Noninterest expense to average assets | 4.6250% | 522 |
| Loan and lease loss provision to assets | 7.5741% | 19 |
| Net operating income to assets | -6.4351% | 7,704 |
| Return on assets (ROA) | -6.8264% | 7,715 |
| Pretax return on assets | -6.6027% | 7,702 |
| Return on Equity (ROE) | -66.5639% | 7,625 |
| Retained earnings to average equity (ytd only) | -66.5639% | 7,623 |
| Net charge-offs to loans | 4.9351% | 183 |
| Credit loss provision to net charge-offs | 181.2610% | 2,017 |
| Earnings coverage of net charge-offs (x) | 0.3261% | 5,702 |
| Efficiency ratio | 77.2219% | 2,736 |
| Assets per employee ($millions) | 3.9875% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3579% | 95 |
| Loan loss allowance to noncurrent loans | 48.2832% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 11.0840% | 324 |
| Noncurrent loans to loans | 13.1679% | 223 |
| Net loans and leases to total assets | 75.8732% | 1,429 |
| Net loans and leases to deposits | 93.4236% | 1,270 |
| Net loans and leases to core deposits | 119.6882% | 623 |
| Total domestic deposits to total assets | 81.2142% | 5,296 |
| Equity capital to assets | 9.3291% | 5,090 |
| Core capital (leverage) ratio | 10.3102% | 2,900 |
| Tier 1 risk-based capital ratio | 11.1996% | 6,189 |
| Total risk-based capital ratio | 12.5087% | 6,128 |
| Memoranda: | ||
| Average total assets | $8,994,345,750 | 118 |
| Average earning assets | $8,097,405,500 | 118 |
| Average equity | $922,401,500 | 125 |
| Average total loans | $7,615,572,250 | 93 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 7,156 |
| Cost of funding earning assets | 0.5910% | 7,423 |
| Net interest margin | 3.6235% | 4,717 |
| Noninterest income to average assets | 2.8223% | 230 |
| Noninterest expense to average assets | 4.3898% | 653 |
| Loan and lease loss provision to assets | 5.7854% | 79 |
| Net operating income to assets | -2.4988% | 7,417 |
| Return on assets (ROA) | -2.8558% | 7,499 |
| Pretax return on assets | -4.6521% | 7,658 |
| Return on Equity (ROE) | -27.0674% | 7,395 |
| Retained earnings to average equity (ytd only) | -27.0674% | 7,380 |
| Net charge-offs to loans | 3.8149% | 357 |
| Credit loss provision to net charge-offs | 176.6823% | 2,218 |
| Earnings coverage of net charge-offs (x) | 0.5165% | 5,211 |
| Efficiency ratio | 72.1685% | 3,789 |
| Assets per employee ($millions) | 4.0235% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5231% | 249 |
| Loan loss allowance to noncurrent loans | 63.5268% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 6.4909% | 862 |
| Noncurrent loans to loans | 7.1201% | 789 |
| Net loans and leases to total assets | 80.5266% | 724 |
| Net loans and leases to deposits | 106.3139% | 379 |
| Net loans and leases to core deposits | 128.1178% | 461 |
| Total domestic deposits to total assets | 75.7442% | 6,742 |
| Equity capital to assets | 10.7563% | 3,117 |
| Core capital (leverage) ratio | 11.8173% | 1,747 |
| Tier 1 risk-based capital ratio | 11.8611% | 5,432 |
| Total risk-based capital ratio | 13.1598% | 5,366 |
| Memoranda: | ||
| Average total assets | $9,092,200,670 | 118 |
| Average earning assets | $8,176,695,330 | 112 |
| Average equity | $959,301,670 | 121 |
| Average total loans | $7,804,170,330 | 90 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 7,301 |
| Cost of funding earning assets | 0.5991% | 7,540 |
| Net interest margin | 3.5623% | 4,893 |
| Noninterest income to average assets | 2.7185% | 230 |
| Noninterest expense to average assets | 3.8742% | 1,215 |
| Loan and lease loss provision to assets | 2.9890% | 333 |
| Net operating income to assets | -0.5730% | 6,876 |
| Return on assets (ROA) | -1.0631% | 7,164 |
| Pretax return on assets | -1.6913% | 7,314 |
| Return on Equity (ROE) | -10.1697% | 7,147 |
| Retained earnings to average equity (ytd only) | -10.1697% | 6,979 |
| Net charge-offs to loans | 1.1445% | 1,468 |
| Credit loss provision to net charge-offs | 301.7772% | 1,305 |
| Earnings coverage of net charge-offs (x) | 2.0833% | 3,498 |
| Efficiency ratio | 65.2276% | 5,269 |
| Assets per employee ($millions) | 4.0399% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2250% | 682 |
| Loan loss allowance to noncurrent loans | 54.8903% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 5.6231% | 1,090 |
| Noncurrent loans to loans | 5.8754% | 1,135 |
| Net loans and leases to total assets | 84.2852% | 346 |
| Net loans and leases to deposits | 110.5716% | 276 |
| Net loans and leases to core deposits | 138.8697% | 340 |
| Total domestic deposits to total assets | 76.2268% | 6,719 |
| Equity capital to assets | 11.7698% | 2,190 |
| Core capital (leverage) ratio | 11.9926% | 1,654 |
| Tier 1 risk-based capital ratio | 12.5085% | 4,740 |
| Total risk-based capital ratio | 13.7948% | 4,665 |
| Memoranda: | ||
| Average total assets | $9,248,717,000 | 117 |
| Average earning assets | $8,357,596,000 | 110 |
| Average equity | $966,794,000 | 118 |
| Average total loans | $8,004,014,500 | 87 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3267% | 7,539 |
| Cost of funding earning assets | 0.8263% | 7,515 |
| Net interest margin | 3.5004% | 4,956 |
| Noninterest income to average assets | 2.4609% | 278 |
| Noninterest expense to average assets | 3.2934% | 3,028 |
| Loan and lease loss provision to assets | 1.8839% | 1,182 |
| Net operating income to assets | 0.4593% | 3,894 |
| Return on assets (ROA) | 0.0043% | 5,525 |
| Pretax return on assets | -0.2288% | 5,735 |
| Return on Equity (ROE) | 0.0488% | 5,521 |
| Retained earnings to average equity (ytd only) | 0.0488% | 4,880 |
| Net charge-offs to loans | 1.2324% | 2,003 |
| Credit loss provision to net charge-offs | 179.5539% | 2,322 |
| Earnings coverage of net charge-offs (x) | 2.2551% | 4,031 |
| Efficiency ratio | 58.1497% | 6,740 |
| Assets per employee ($millions) | 4.3880% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5477% | 1,172 |
| Loan loss allowance to noncurrent loans | 48.7559% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 4.8406% | 1,292 |
| Noncurrent loans to loans | 5.2255% | 1,263 |
| Net loans and leases to total assets | 83.8394% | 450 |
| Net loans and leases to deposits | 112.6394% | 303 |
| Net loans and leases to core deposits | 117.2349% | 2,205 |
| Total domestic deposits to total assets | 74.4317% | 6,957 |
| Equity capital to assets | 9.2356% | 4,793 |
| Core capital (leverage) ratio | 10.6395% | 2,482 |
| Tier 1 risk-based capital ratio | 10.1146% | 6,779 |
| Total risk-based capital ratio | 11.3909% | 6,717 |
| Memoranda: | ||
| Average total assets | $9,887,922,200 | 108 |
| Average earning assets | $9,035,119,400 | 103 |
| Average equity | $882,034,600 | 123 |
| Average total loans | $8,418,186,000 | 86 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3413% | 7,648 |
| Cost of funding earning assets | 0.8881% | 7,583 |
| Net interest margin | 3.4532% | 5,059 |
| Noninterest income to average assets | 2.3660% | 287 |
| Noninterest expense to average assets | 3.2560% | 3,095 |
| Loan and lease loss provision to assets | 1.4704% | 1,307 |
| Net operating income to assets | 0.8995% | 2,424 |
| Return on assets (ROA) | 0.1116% | 5,486 |
| Pretax return on assets | 0.0154% | 5,672 |
| Return on Equity (ROE) | 1.2622% | 5,416 |
| Retained earnings to average equity (ytd only) | 1.2622% | 4,620 |
| Net charge-offs to loans | 1.1299% | 1,777 |
| Credit loss provision to net charge-offs | 153.2494% | 3,119 |
| Earnings coverage of net charge-offs (x) | 2.3697% | 4,047 |
| Efficiency ratio | 58.8385% | 6,584 |
| Assets per employee ($millions) | 4.3224% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 3,127 |
| Loan loss allowance to noncurrent loans | 35.3852% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 4.1139% | 1,533 |
| Noncurrent loans to loans | 4.4318% | 1,586 |
| Net loans and leases to total assets | 85.2127% | 418 |
| Net loans and leases to deposits | 120.3075% | 199 |
| Net loans and leases to core deposits | 125.9191% | 1,745 |
| Total domestic deposits to total assets | 70.8291% | 7,347 |
| Equity capital to assets | 9.3170% | 5,010 |
| Core capital (leverage) ratio | 10.6105% | 2,701 |
| Tier 1 risk-based capital ratio | 10.1723% | 6,812 |
| Total risk-based capital ratio | 11.4332% | 6,738 |
| Memoranda: | ||
| Average total assets | $9,957,486,250 | 114 |
| Average earning assets | $9,122,664,250 | 110 |
| Average equity | $880,664,750 | 128 |
| Average total loans | $8,455,903,250 | 89 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 7,717 |
| Cost of funding earning assets | 0.9805% | 7,579 |
| Net interest margin | 3.4086% | 5,131 |
| Noninterest income to average assets | 2.3029% | 296 |
| Noninterest expense to average assets | 3.1790% | 3,395 |
| Loan and lease loss provision to assets | 1.4788% | 1,161 |
| Net operating income to assets | 0.6280% | 3,557 |
| Return on assets (ROA) | 0.2911% | 5,041 |
| Pretax return on assets | 0.3567% | 5,056 |
| Return on Equity (ROE) | 3.3476% | 4,768 |
| Retained earnings to average equity (ytd only) | 3.3476% | 3,463 |
| Net charge-offs to loans | 1.2287% | 1,495 |
| Credit loss provision to net charge-offs | 142.5896% | 3,263 |
| Earnings coverage of net charge-offs (x) | 2.1660% | 3,989 |
| Efficiency ratio | 58.5514% | 6,759 |
| Assets per employee ($millions) | 4.3982% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 3,183 |
| Loan loss allowance to noncurrent loans | 42.9270% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 3.2660% | 1,909 |
| Noncurrent loans to loans | 3.4984% | 2,009 |
| Net loans and leases to total assets | 84.2183% | 605 |
| Net loans and leases to deposits | 122.6481% | 192 |
| Net loans and leases to core deposits | 128.9236% | 1,660 |
| Total domestic deposits to total assets | 68.6666% | 7,574 |
| Equity capital to assets | 9.0278% | 5,276 |
| Core capital (leverage) ratio | 10.3027% | 2,992 |
| Tier 1 risk-based capital ratio | 9.9350% | 7,001 |
| Total risk-based capital ratio | 11.1606% | 6,958 |
| Memoranda: | ||
| Average total assets | $10,102,582,000 | 116 |
| Average earning assets | $9,254,238,330 | 110 |
| Average equity | $878,491,000 | 133 |
| Average total loans | $8,526,738,330 | 92 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3938% | 7,801 |
| Cost of funding earning assets | 1.1294% | 7,464 |
| Net interest margin | 3.2644% | 5,645 |
| Noninterest income to average assets | 2.2653% | 292 |
| Noninterest expense to average assets | 2.9914% | 3,807 |
| Loan and lease loss provision to assets | 0.9265% | 1,397 |
| Net operating income to assets | 0.8475% | 2,919 |
| Return on assets (ROA) | 0.9125% | 2,790 |
| Pretax return on assets | 1.4410% | 1,844 |
| Return on Equity (ROE) | 10.6868% | 2,075 |
| Retained earnings to average equity (ytd only) | 10.6868% | 1,042 |
| Net charge-offs to loans | 0.8314% | 1,562 |
| Credit loss provision to net charge-offs | 132.8501% | 3,042 |
| Earnings coverage of net charge-offs (x) | 3.2492% | 3,231 |
| Efficiency ratio | 56.8545% | 6,852 |
| Assets per employee ($millions) | 4.4627% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 2,040 |
| Loan loss allowance to noncurrent loans | 65.5781% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 2.4447% | 2,344 |
| Noncurrent loans to loans | 2.6383% | 2,490 |
| Net loans and leases to total assets | 83.8486% | 710 |
| Net loans and leases to deposits | 112.1417% | 518 |
| Net loans and leases to core deposits | 117.8422% | 2,613 |
| Total domestic deposits to total assets | 74.7703% | 6,750 |
| Equity capital to assets | 8.9339% | 5,429 |
| Core capital (leverage) ratio | 9.3257% | 4,207 |
| Tier 1 risk-based capital ratio | 9.4813% | 7,444 |
| Total risk-based capital ratio | 10.7335% | 7,388 |
| Memoranda: | ||
| Average total assets | $10,287,292,500 | 115 |
| Average earning assets | $9,429,068,500 | 110 |
| Average equity | $878,393,500 | 130 |
| Average total loans | $8,629,067,500 | 94 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6544% | 6,921 |
| Cost of funding earning assets | 2.0874% | 6,104 |
| Net interest margin | 3.5670% | 5,030 |
| Noninterest income to average assets | 2.4170% | 266 |
| Noninterest expense to average assets | 3.1505% | 3,512 |
| Loan and lease loss provision to assets | 0.9355% | 1,583 |
| Net operating income to assets | 0.9441% | 2,815 |
| Return on assets (ROA) | 0.1459% | 5,816 |
| Pretax return on assets | 0.3939% | 5,273 |
| Return on Equity (ROE) | 1.7203% | 5,702 |
| Retained earnings to average equity (ytd only) | -5.6715% | 6,616 |
| Net charge-offs to loans | 0.5087% | 2,320 |
| Credit loss provision to net charge-offs | 229.2140% | 2,072 |
| Earnings coverage of net charge-offs (x) | 6.3131% | 3,387 |
| Efficiency ratio | 54.9700% | 7,156 |
| Assets per employee ($millions) | 4.7403% | 2,266 |
| Cash dividends to net income (ytd only)* | 429.6861% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5923% | 2,282 |
| Loan loss allowance to noncurrent loans | 71.8832% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.9643% | 2,505 |
| Noncurrent loans to loans | 2.2151% | 2,488 |
| Net loans and leases to total assets | 81.2128% | 1,383 |
| Net loans and leases to deposits | 107.2606% | 1,024 |
| Net loans and leases to core deposits | 115.4548% | 3,185 |
| Total domestic deposits to total assets | 75.7154% | 6,302 |
| Equity capital to assets | 8.1680% | 6,604 |
| Core capital (leverage) ratio | 8.8820% | 4,922 |
| Tier 1 risk-based capital ratio | 9.1981% | 7,618 |
| Total risk-based capital ratio | 10.4494% | 7,569 |
| Memoranda: | ||
| Average total assets | $10,480,061,800 | 111 |
| Average earning assets | $9,725,276,600 | 105 |
| Average equity | $888,812,800 | 127 |
| Average total loans | $8,408,046,400 | 96 |