Home > BankMeridian, N.A. > Performance and Condition Ratios
BankMeridian, N.A., 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 | 3.9974% | 6,664 |
| Cost of funding earning assets | 1.7769% | 344 |
| Net interest margin | 2.2205% | 7,309 |
| Noninterest income to average assets | -0.4088% | 7,414 |
| Noninterest expense to average assets | 4.0315% | 1,002 |
| Loan and lease loss provision to assets | 2.9995% | 154 |
| Net operating income to assets | -5.3932% | 7,449 |
| Return on assets (ROA) | -5.3833% | 7,450 |
| Pretax return on assets | -5.3833% | 7,448 |
| Return on Equity (ROE) | -316.9104% | 7,501 |
| Retained earnings to average equity (ytd only) | -316.9104% | 7,501 |
| Net charge-offs to loans | 3.9131% | 210 |
| Credit loss provision to net charge-offs | 106.9036% | 2,887 |
| Earnings coverage of net charge-offs (x) | -0.8531% | 5,612 |
| Efficiency ratio | 246.1500% | 35 |
| Assets per employee ($millions) | 6.8426% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1289% | 174 |
| Loan loss allowance to noncurrent loans | 20.4046% | 6,711 |
| Noncurrent assets plus other real estate owned to assets | 23.7195% | 34 |
| Noncurrent loans to loans | 25.1358% | 31 |
| Net loans and leases to total assets | 65.3640% | 3,171 |
| Net loans and leases to deposits | 72.5041% | 4,037 |
| Net loans and leases to core deposits | 75.6761% | 4,357 |
| Total domestic deposits to total assets | 90.1521% | 895 |
| Equity capital to assets | 0.7101% | 7,500 |
| Core capital (leverage) ratio | 0.6542% | 7,499 |
| Tier 1 risk-based capital ratio | 0.9688% | 7,499 |
| Total risk-based capital ratio | 1.9375% | 7,499 |
| Memoranda: | ||
| Average total assets | $242,638,000 | 2,627 |
| Average earning assets | $223,643,670 | 2,602 |
| Average equity | $4,121,670 | 6,814 |
| Average total loans | $173,979,000 | 2,364 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1255% | 6,453 |
| Cost of funding earning assets | 1.8039% | 372 |
| Net interest margin | 2.3215% | 7,304 |
| Noninterest income to average assets | -0.3182% | 7,461 |
| Noninterest expense to average assets | 3.6796% | 1,572 |
| Loan and lease loss provision to assets | 5.8781% | 43 |
| Net operating income to assets | -7.7243% | 7,534 |
| Return on assets (ROA) | -7.7243% | 7,535 |
| Pretax return on assets | -7.7243% | 7,531 |
| Return on Equity (ROE) | -357.0989% | 7,556 |
| Retained earnings to average equity (ytd only) | -357.0989% | 7,556 |
| Net charge-offs to loans | 5.1387% | 145 |
| Credit loss provision to net charge-offs | 156.6509% | 1,833 |
| Earnings coverage of net charge-offs (x) | -0.4920% | 4,789 |
| Efficiency ratio | 200.7048% | 66 |
| Assets per employee ($millions) | 7.0536% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2824% | 161 |
| Loan loss allowance to noncurrent loans | 24.2013% | 6,595 |
| Noncurrent assets plus other real estate owned to assets | 20.3495% | 62 |
| Noncurrent loans to loans | 21.8270% | 54 |
| Net loans and leases to total assets | 69.5477% | 2,210 |
| Net loans and leases to deposits | 77.3815% | 3,178 |
| Net loans and leases to core deposits | 81.9319% | 3,465 |
| Total domestic deposits to total assets | 89.8763% | 1,229 |
| Equity capital to assets | 1.2447% | 7,555 |
| Core capital (leverage) ratio | 1.3214% | 7,550 |
| Tier 1 risk-based capital ratio | 1.8825% | 7,551 |
| Total risk-based capital ratio | 3.1829% | 7,551 |
| Memoranda: | ||
| Average total assets | $247,633,000 | 2,588 |
| Average earning assets | $229,502,000 | 2,549 |
| Average equity | $5,356,500 | 6,433 |
| Average total loans | $180,824,000 | 2,300 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6584% | 5,928 |
| Cost of funding earning assets | 2.0303% | 541 |
| Net interest margin | 2.6281% | 7,184 |
| Noninterest income to average assets | -0.4230% | 7,544 |
| Noninterest expense to average assets | 2.9909% | 3,882 |
| Loan and lease loss provision to assets | 3.6318% | 199 |
| Net operating income to assets | -4.7194% | 7,513 |
| Return on assets (ROA) | -4.5054% | 7,502 |
| Pretax return on assets | -4.3638% | 7,487 |
| Return on Equity (ROE) | -78.3594% | 7,547 |
| Retained earnings to average equity (ytd only) | -78.3594% | 7,545 |
| Net charge-offs to loans | 3.7651% | 358 |
| Credit loss provision to net charge-offs | 126.8720% | 3,189 |
| Earnings coverage of net charge-offs (x) | -0.3305% | 6,381 |
| Efficiency ratio | 146.2577% | 234 |
| Assets per employee ($millions) | 7.2983% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3039% | 310 |
| Loan loss allowance to noncurrent loans | 22.4275% | 6,719 |
| Noncurrent assets plus other real estate owned to assets | 17.9289% | 94 |
| Noncurrent loans to loans | 19.1901% | 80 |
| Net loans and leases to total assets | 69.5140% | 2,654 |
| Net loans and leases to deposits | 79.4143% | 3,272 |
| Net loans and leases to core deposits | 87.7317% | 3,091 |
| Total domestic deposits to total assets | 87.5334% | 2,529 |
| Equity capital to assets | 3.0253% | 7,561 |
| Core capital (leverage) ratio | 3.0444% | 7,552 |
| Tier 1 risk-based capital ratio | 4.3835% | 7,548 |
| Total risk-based capital ratio | 5.6719% | 7,552 |
| Memoranda: | ||
| Average total assets | $278,976,800 | 2,291 |
| Average earning assets | $261,977,000 | 2,235 |
| Average equity | $16,040,200 | 3,754 |
| Average total loans | $212,108,200 | 2,046 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8710% | 5,392 |
| Cost of funding earning assets | 2.0741% | 590 |
| Net interest margin | 2.7968% | 7,136 |
| Noninterest income to average assets | -0.3529% | 7,643 |
| Noninterest expense to average assets | 2.8097% | 4,444 |
| Loan and lease loss provision to assets | 2.9974% | 289 |
| Net operating income to assets | -3.7131% | 7,544 |
| Return on assets (ROA) | -3.4336% | 7,523 |
| Pretax return on assets | -3.2488% | 7,468 |
| Return on Equity (ROE) | -53.9847% | 7,581 |
| Retained earnings to average equity (ytd only) | -53.9847% | 7,579 |
| Net charge-offs to loans | 3.1207% | 476 |
| Credit loss provision to net charge-offs | 125.0781% | 3,277 |
| Earnings coverage of net charge-offs (x) | -0.2215% | 6,187 |
| Efficiency ratio | 123.2902% | 361 |
| Assets per employee ($millions) | 7.2498% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5901% | 507 |
| Loan loss allowance to noncurrent loans | 26.0000% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 13.6723% | 203 |
| Noncurrent loans to loans | 13.8083% | 194 |
| Net loans and leases to total assets | 71.3187% | 2,401 |
| Net loans and leases to deposits | 82.8690% | 2,939 |
| Net loans and leases to core deposits | 92.1433% | 2,778 |
| Total domestic deposits to total assets | 86.0619% | 3,045 |
| Equity capital to assets | 4.9358% | 7,586 |
| Core capital (leverage) ratio | 4.7718% | 7,567 |
| Tier 1 risk-based capital ratio | 6.7816% | 7,565 |
| Total risk-based capital ratio | 8.0612% | 7,570 |
| Memoranda: | ||
| Average total assets | $284,860,500 | 2,279 |
| Average earning assets | $268,058,250 | 2,230 |
| Average equity | $18,118,250 | 3,452 |
| Average total loans | $218,746,750 | 2,007 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8385% | 5,651 |
| Cost of funding earning assets | 2.0966% | 664 |
| Net interest margin | 2.7418% | 7,209 |
| Noninterest income to average assets | 0.2376% | 6,206 |
| Noninterest expense to average assets | 2.7583% | 4,668 |
| Loan and lease loss provision to assets | 1.1508% | 1,249 |
| Net operating income to assets | -1.2156% | 7,037 |
| Return on assets (ROA) | -1.2204% | 7,054 |
| Pretax return on assets | -1.0861% | 6,928 |
| Return on Equity (ROE) | -17.9495% | 7,226 |
| Retained earnings to average equity (ytd only) | -17.9495% | 7,196 |
| Net charge-offs to loans | 1.3152% | 1,442 |
| Credit loss provision to net charge-offs | 112.6770% | 3,608 |
| Earnings coverage of net charge-offs (x) | 0.0681% | 5,654 |
| Efficiency ratio | 97.5402% | 896 |
| Assets per employee ($millions) | 7.5561% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7899% | 1,007 |
| Loan loss allowance to noncurrent loans | 18.6643% | 7,005 |
| Noncurrent assets plus other real estate owned to assets | 14.3886% | 167 |
| Noncurrent loans to loans | 14.9477% | 173 |
| Net loans and leases to total assets | 73.1512% | 2,126 |
| Net loans and leases to deposits | 87.2190% | 2,301 |
| Net loans and leases to core deposits | 98.3946% | 2,187 |
| Total domestic deposits to total assets | 83.8707% | 4,163 |
| Equity capital to assets | 6.6858% | 7,443 |
| Core capital (leverage) ratio | 6.3485% | 7,421 |
| Tier 1 risk-based capital ratio | 8.7871% | 7,449 |
| Total risk-based capital ratio | 10.0564% | 7,461 |
| Memoranda: | ||
| Average total assets | $290,399,330 | 2,262 |
| Average earning assets | $274,342,670 | 2,202 |
| Average equity | $19,744,330 | 3,205 |
| Average total loans | $225,518,330 | 1,981 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7307% | 6,141 |
| Cost of funding earning assets | 2.1198% | 758 |
| Net interest margin | 2.6108% | 7,381 |
| Noninterest income to average assets | 0.2657% | 6,028 |
| Noninterest expense to average assets | 2.6463% | 5,162 |
| Loan and lease loss provision to assets | 1.2423% | 976 |
| Net operating income to assets | -1.1464% | 7,194 |
| Return on assets (ROA) | -1.1560% | 7,213 |
| Pretax return on assets | -1.1560% | 7,124 |
| Return on Equity (ROE) | -16.8648% | 7,368 |
| Retained earnings to average equity (ytd only) | -16.8648% | 7,277 |
| Net charge-offs to loans | 1.0736% | 1,555 |
| Credit loss provision to net charge-offs | 146.7638% | 2,425 |
| Earnings coverage of net charge-offs (x) | 0.1133% | 4,930 |
| Efficiency ratio | 96.5035% | 996 |
| Assets per employee ($millions) | 7.5933% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6901% | 1,091 |
| Loan loss allowance to noncurrent loans | 19.7991% | 7,018 |
| Noncurrent assets plus other real estate owned to assets | 12.0903% | 256 |
| Noncurrent loans to loans | 13.5869% | 226 |
| Net loans and leases to total assets | 72.9949% | 2,201 |
| Net loans and leases to deposits | 86.3026% | 2,527 |
| Net loans and leases to core deposits | 99.0192% | 2,232 |
| Total domestic deposits to total assets | 84.5801% | 3,856 |
| Equity capital to assets | 6.4847% | 7,528 |
| Core capital (leverage) ratio | 6.7734% | 7,365 |
| Tier 1 risk-based capital ratio | 8.8590% | 7,505 |
| Total risk-based capital ratio | 10.1274% | 7,520 |
| Memoranda: | ||
| Average total assets | $292,034,000 | 2,300 |
| Average earning assets | $277,001,000 | 2,227 |
| Average equity | $20,018,000 | 3,205 |
| Average total loans | $230,244,000 | 1,997 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1104% | 6,047 |
| Cost of funding earning assets | 2.7043% | 585 |
| Net interest margin | 2.4062% | 7,508 |
| Noninterest income to average assets | 0.0050% | 7,678 |
| Noninterest expense to average assets | 2.7717% | 5,083 |
| Loan and lease loss provision to assets | 2.4457% | 817 |
| Net operating income to assets | -3.2179% | 7,448 |
| Return on assets (ROA) | -3.1725% | 7,443 |
| Pretax return on assets | -2.8678% | 7,258 |
| Return on Equity (ROE) | -33.2170% | 7,463 |
| Retained earnings to average equity (ytd only) | -33.2170% | 7,447 |
| Net charge-offs to loans | 1.9035% | 1,299 |
| Credit loss provision to net charge-offs | 155.6785% | 2,914 |
| Earnings coverage of net charge-offs (x) | -0.2976% | 6,543 |
| Efficiency ratio | 120.2894% | 603 |
| Assets per employee ($millions) | 7.1881% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5102% | 1,209 |
| Loan loss allowance to noncurrent loans | 29.6778% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 7.7275% | 607 |
| Noncurrent loans to loans | 8.4582% | 570 |
| Net loans and leases to total assets | 80.9066% | 850 |
| Net loans and leases to deposits | 98.6495% | 1,038 |
| Net loans and leases to core deposits | 115.6008% | 2,364 |
| Total domestic deposits to total assets | 82.0141% | 4,944 |
| Equity capital to assets | 7.2556% | 7,232 |
| Core capital (leverage) ratio | 7.0285% | 7,212 |
| Tier 1 risk-based capital ratio | 9.2933% | 7,336 |
| Total risk-based capital ratio | 10.5604% | 7,315 |
| Memoranda: | ||
| Average total assets | $281,920,000 | 2,332 |
| Average earning assets | $269,390,600 | 2,242 |
| Average equity | $26,926,000 | 2,456 |
| Average total loans | $232,680,000 | 2,012 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0585% | 6,420 |
| Cost of funding earning assets | 2.8227% | 564 |
| Net interest margin | 2.2358% | 7,696 |
| Noninterest income to average assets | -0.0184% | 7,871 |
| Noninterest expense to average assets | 2.3916% | 6,440 |
| Loan and lease loss provision to assets | 1.0144% | 1,894 |
| Net operating income to assets | -0.8333% | 6,713 |
| Return on assets (ROA) | -0.8907% | 6,763 |
| Pretax return on assets | -1.3753% | 6,898 |
| Return on Equity (ROE) | -8.8008% | 6,798 |
| Retained earnings to average equity (ytd only) | -8.8008% | 6,687 |
| Net charge-offs to loans | 0.2779% | 4,302 |
| Credit loss provision to net charge-offs | 442.8866% | 893 |
| Earnings coverage of net charge-offs (x) | -1.1897% | 6,655 |
| Efficiency ratio | 112.8594% | 714 |
| Assets per employee ($millions) | 6.4849% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1100% | 1,584 |
| Loan loss allowance to noncurrent loans | 27.9725% | 6,599 |
| Noncurrent assets plus other real estate owned to assets | 7.0934% | 674 |
| Noncurrent loans to loans | 7.5430% | 681 |
| Net loans and leases to total assets | 80.0801% | 1,152 |
| Net loans and leases to deposits | 103.0207% | 844 |
| Net loans and leases to core deposits | 119.7275% | 2,267 |
| Total domestic deposits to total assets | 77.7321% | 6,162 |
| Equity capital to assets | 9.5419% | 4,692 |
| Core capital (leverage) ratio | 9.5573% | 3,836 |
| Tier 1 risk-based capital ratio | 11.8471% | 5,108 |
| Total risk-based capital ratio | 13.1083% | 5,039 |
| Memoranda: | ||
| Average total assets | $282,315,750 | 2,343 |
| Average earning assets | $269,904,250 | 2,260 |
| Average equity | $28,572,500 | 2,353 |
| Average total loans | $232,687,250 | 2,037 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0868% | 6,485 |
| Cost of funding earning assets | 2.9438% | 550 |
| Net interest margin | 2.1431% | 7,786 |
| Noninterest income to average assets | -0.0158% | 7,986 |
| Noninterest expense to average assets | 2.3937% | 6,482 |
| Loan and lease loss provision to assets | 1.2373% | 1,387 |
| Net operating income to assets | -0.9904% | 6,976 |
| Return on assets (ROA) | -1.0761% | 7,036 |
| Pretax return on assets | -1.7288% | 7,183 |
| Return on Equity (ROE) | -10.4251% | 7,069 |
| Retained earnings to average equity (ytd only) | -10.4251% | 6,919 |
| Net charge-offs to loans | 0.3381% | 3,488 |
| Credit loss provision to net charge-offs | 442.8205% | 1,050 |
| Earnings coverage of net charge-offs (x) | -1.2795% | 6,283 |
| Efficiency ratio | 117.5581% | 718 |
| Assets per employee ($millions) | 6.1165% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9834% | 1,603 |
| Loan loss allowance to noncurrent loans | 34.5255% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 4.9463% | 1,081 |
| Noncurrent loans to loans | 5.7447% | 974 |
| Net loans and leases to total assets | 82.7449% | 819 |
| Net loans and leases to deposits | 108.7820% | 614 |
| Net loans and leases to core deposits | 132.4406% | 1,410 |
| Total domestic deposits to total assets | 76.0649% | 6,533 |
| Equity capital to assets | 9.9321% | 4,043 |
| Core capital (leverage) ratio | 9.8974% | 3,396 |
| Tier 1 risk-based capital ratio | 12.0455% | 4,880 |
| Total risk-based capital ratio | 13.3058% | 4,787 |
| Memoranda: | ||
| Average total assets | $279,148,000 | 2,381 |
| Average earning assets | $267,277,670 | 2,293 |
| Average equity | $28,815,000 | 2,349 |
| Average total loans | $230,674,330 | 2,077 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1228% | 6,580 |
| Cost of funding earning assets | 3.0842% | 481 |
| Net interest margin | 2.0386% | 7,878 |
| Noninterest income to average assets | 0.0432% | 7,866 |
| Noninterest expense to average assets | 2.1752% | 6,935 |
| Loan and lease loss provision to assets | 0.3179% | 3,428 |
| Net operating income to assets | -0.3036% | 6,682 |
| Return on assets (ROA) | -0.3036% | 6,757 |
| Pretax return on assets | -0.5006% | 6,820 |
| Return on Equity (ROE) | -2.8855% | 6,763 |
| Retained earnings to average equity (ytd only) | -2.8855% | 6,256 |
| Net charge-offs to loans | 0.2658% | 3,072 |
| Credit loss provision to net charge-offs | 146.3576% | 2,833 |
| Earnings coverage of net charge-offs (x) | -0.8411% | 5,332 |
| Efficiency ratio | 109.1697% | 830 |
| Assets per employee ($millions) | 6.2056% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 2,990 |
| Loan loss allowance to noncurrent loans | 40.5558% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 3.1878% | 1,746 |
| Noncurrent loans to loans | 3.6991% | 1,690 |
| Net loans and leases to total assets | 80.9746% | 1,206 |
| Net loans and leases to deposits | 107.2608% | 770 |
| Net loans and leases to core deposits | 133.2610% | 1,464 |
| Total domestic deposits to total assets | 75.4932% | 6,603 |
| Equity capital to assets | 10.4554% | 3,504 |
| Core capital (leverage) ratio | 10.3694% | 3,052 |
| Tier 1 risk-based capital ratio | 13.0413% | 4,165 |
| Total risk-based capital ratio | 14.2955% | 4,073 |
| Memoranda: | ||
| Average total assets | $278,041,500 | 2,401 |
| Average earning assets | $265,872,000 | 2,318 |
| Average equity | $29,250,000 | 2,333 |
| Average total loans | $227,250,000 | 2,121 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1640% | 4,702 |
| Cost of funding earning assets | 3.3856% | 731 |
| Net interest margin | 2.7785% | 7,370 |
| Noninterest income to average assets | 0.0035% | 8,095 |
| Noninterest expense to average assets | 2.3839% | 6,451 |
| Loan and lease loss provision to assets | 1.0219% | 1,439 |
| Net operating income to assets | -0.4731% | 6,902 |
| Return on assets (ROA) | -0.4413% | 6,749 |
| Pretax return on assets | -0.6903% | 6,802 |
| Return on Equity (ROE) | -3.7896% | 6,718 |
| Retained earnings to average equity (ytd only) | -3.7896% | 6,281 |
| Net charge-offs to loans | 0.7040% | 1,754 |
| Credit loss provision to net charge-offs | 184.0610% | 2,699 |
| Earnings coverage of net charge-offs (x) | 0.5080% | 5,927 |
| Efficiency ratio | 89.4213% | 1,566 |
| Assets per employee ($millions) | 6.1518% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 2,692 |
| Loan loss allowance to noncurrent loans | 58.4141% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 2.1826% | 2,242 |
| Noncurrent loans to loans | 2.5679% | 2,115 |
| Net loans and leases to total assets | 80.0340% | 1,652 |
| Net loans and leases to deposits | 106.3205% | 1,096 |
| Net loans and leases to core deposits | 133.8622% | 1,604 |
| Total domestic deposits to total assets | 75.2762% | 6,387 |
| Equity capital to assets | 10.5852% | 3,409 |
| Core capital (leverage) ratio | 10.6021% | 2,903 |
| Tier 1 risk-based capital ratio | 13.1480% | 4,031 |
| Total risk-based capital ratio | 14.4026% | 3,935 |
| Memoranda: | ||
| Average total assets | $259,905,600 | 2,461 |
| Average earning assets | $249,057,800 | 2,380 |
| Average equity | $30,267,400 | 2,241 |
| Average total loans | $204,969,400 | 2,250 |