Home > The First National Bank of Florida > Performance and Condition Ratios
The First National Bank of Florida, 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 | 3.7447% | 6,973 |
| Cost of funding earning assets | 1.7176% | 436 |
| Net interest margin | 2.0271% | 7,362 |
| Noninterest income to average assets | 0.0852% | 6,900 |
| Noninterest expense to average assets | 6.0205% | 194 |
| Loan and lease loss provision to assets | 3.1138% | 141 |
| Net operating income to assets | -4.6563% | 7,428 |
| Return on assets (ROA) | -4.6563% | 7,430 |
| Pretax return on assets | -7.3749% | 7,483 |
| Return on Equity (ROE) | -83.4175% | 7,422 |
| Retained earnings to average equity (ytd only) | -83.4175% | 7,419 |
| Net charge-offs to loans | 8.4669% | 29 |
| Credit loss provision to net charge-offs | 57.9410% | 4,396 |
| Earnings coverage of net charge-offs (x) | -0.7929% | 5,601 |
| Efficiency ratio | 342.1759% | 20 |
| Assets per employee ($millions) | 3.7105% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3462% | 669 |
| Loan loss allowance to noncurrent loans | 12.3526% | 6,913 |
| Noncurrent assets plus other real estate owned to assets | 26.1446% | 20 |
| Noncurrent loans to loans | 27.0891% | 21 |
| Net loans and leases to total assets | 60.5634% | 4,174 |
| Net loans and leases to deposits | 64.1843% | 5,245 |
| Net loans and leases to core deposits | 78.5667% | 3,985 |
| Total domestic deposits to total assets | 94.3586% | 66 |
| Equity capital to assets | 4.7578% | 7,337 |
| Core capital (leverage) ratio | 2.6241% | 7,442 |
| Tier 1 risk-based capital ratio | 3.4805% | 7,449 |
| Total risk-based capital ratio | 4.7500% | 7,451 |
| Memoranda: | ||
| Average total assets | $305,089,330 | 2,113 |
| Average earning assets | $251,980,670 | 2,314 |
| Average equity | $17,030,000 | 3,565 |
| Average total loans | $193,647,670 | 2,143 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7852% | 6,968 |
| Cost of funding earning assets | 1.7336% | 487 |
| Net interest margin | 2.0516% | 7,401 |
| Noninterest income to average assets | -0.0854% | 7,378 |
| Noninterest expense to average assets | 7.0721% | 143 |
| Loan and lease loss provision to assets | 5.6272% | 49 |
| Net operating income to assets | -6.9467% | 7,524 |
| Return on assets (ROA) | -6.9467% | 7,524 |
| Pretax return on assets | -11.0901% | 7,557 |
| Return on Equity (ROE) | -116.2118% | 7,505 |
| Retained earnings to average equity (ytd only) | -116.2118% | 7,500 |
| Net charge-offs to loans | 15.5709% | 13 |
| Credit loss provision to net charge-offs | 56.5890% | 3,611 |
| Earnings coverage of net charge-offs (x) | -0.5494% | 4,810 |
| Efficiency ratio | 439.4695% | 13 |
| Assets per employee ($millions) | 3.8152% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3102% | 705 |
| Loan loss allowance to noncurrent loans | 12.2042% | 6,978 |
| Noncurrent assets plus other real estate owned to assets | 26.7968% | 18 |
| Noncurrent loans to loans | 27.1234% | 25 |
| Net loans and leases to total assets | 60.6182% | 4,149 |
| Net loans and leases to deposits | 64.5512% | 5,180 |
| Net loans and leases to core deposits | 80.1603% | 3,730 |
| Total domestic deposits to total assets | 93.9072% | 81 |
| Equity capital to assets | 5.1875% | 7,364 |
| Core capital (leverage) ratio | 2.6931% | 7,493 |
| Tier 1 risk-based capital ratio | 3.5271% | 7,504 |
| Total risk-based capital ratio | 4.7959% | 7,504 |
| Memoranda: | ||
| Average total assets | $309,213,500 | 2,102 |
| Average earning assets | $255,416,500 | 2,312 |
| Average equity | $18,483,500 | 3,330 |
| Average total loans | $197,471,000 | 2,129 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1121% | 7,031 |
| Cost of funding earning assets | 1.8820% | 904 |
| Net interest margin | 2.2302% | 7,389 |
| Noninterest income to average assets | 0.5134% | 4,068 |
| Noninterest expense to average assets | 5.2386% | 355 |
| Loan and lease loss provision to assets | 2.3456% | 503 |
| Net operating income to assets | -3.2026% | 7,334 |
| Return on assets (ROA) | -3.1951% | 7,349 |
| Pretax return on assets | -5.1675% | 7,547 |
| Return on Equity (ROE) | -40.8984% | 7,360 |
| Retained earnings to average equity (ytd only) | -40.8984% | 7,353 |
| Net charge-offs to loans | 4.0636% | 308 |
| Credit loss provision to net charge-offs | 86.0669% | 5,283 |
| Earnings coverage of net charge-offs (x) | -1.0397% | 6,616 |
| Efficiency ratio | 217.8260% | 76 |
| Assets per employee ($millions) | 3.8669% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7565% | 231 |
| Loan loss allowance to noncurrent loans | 15.6930% | 6,963 |
| Noncurrent assets plus other real estate owned to assets | 29.7045% | 9 |
| Noncurrent loans to loans | 30.3098% | 12 |
| Net loans and leases to total assets | 61.9096% | 4,305 |
| Net loans and leases to deposits | 67.0765% | 5,241 |
| Net loans and leases to core deposits | 83.5502% | 3,657 |
| Total domestic deposits to total assets | 92.2970% | 218 |
| Equity capital to assets | 6.7474% | 7,192 |
| Core capital (leverage) ratio | 4.0953% | 7,490 |
| Tier 1 risk-based capital ratio | 5.2884% | 7,511 |
| Total risk-based capital ratio | 6.5727% | 7,512 |
| Memoranda: | ||
| Average total assets | $338,928,000 | 1,927 |
| Average earning assets | $287,465,600 | 2,066 |
| Average equity | $26,477,800 | 2,418 |
| Average total loans | $227,308,800 | 1,921 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0888% | 7,210 |
| Cost of funding earning assets | 1.9180% | 973 |
| Net interest margin | 2.1708% | 7,521 |
| Noninterest income to average assets | 0.6270% | 3,272 |
| Noninterest expense to average assets | 5.0548% | 366 |
| Loan and lease loss provision to assets | 2.8183% | 330 |
| Net operating income to assets | -3.3335% | 7,494 |
| Return on assets (ROA) | -3.3236% | 7,506 |
| Pretax return on assets | -5.3810% | 7,666 |
| Return on Equity (ROE) | -41.2687% | 7,508 |
| Retained earnings to average equity (ytd only) | -41.2687% | 7,505 |
| Net charge-offs to loans | 4.5235% | 220 |
| Credit loss provision to net charge-offs | 92.2533% | 4,681 |
| Earnings coverage of net charge-offs (x) | -0.8439% | 6,423 |
| Efficiency ratio | 204.0998% | 79 |
| Assets per employee ($millions) | 3.8268% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0123% | 168 |
| Loan loss allowance to noncurrent loans | 15.8280% | 7,055 |
| Noncurrent assets plus other real estate owned to assets | 31.3370% | 5 |
| Noncurrent loans to loans | 31.6674% | 14 |
| Net loans and leases to total assets | 61.0641% | 4,703 |
| Net loans and leases to deposits | 66.4848% | 5,610 |
| Net loans and leases to core deposits | 82.2983% | 4,200 |
| Total domestic deposits to total assets | 91.8467% | 216 |
| Equity capital to assets | 7.4169% | 7,174 |
| Core capital (leverage) ratio | 4.7678% | 7,569 |
| Tier 1 risk-based capital ratio | 6.0673% | 7,602 |
| Total risk-based capital ratio | 7.3530% | 7,603 |
| Memoranda: | ||
| Average total assets | $345,356,250 | 1,917 |
| Average earning assets | $294,260,250 | 2,047 |
| Average equity | $27,813,750 | 2,352 |
| Average total loans | $233,237,500 | 1,901 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1893% | 7,185 |
| Cost of funding earning assets | 1.9748% | 970 |
| Net interest margin | 2.2145% | 7,573 |
| Noninterest income to average assets | 0.6147% | 3,229 |
| Noninterest expense to average assets | 5.0894% | 353 |
| Loan and lease loss provision to assets | 2.6321% | 416 |
| Net operating income to assets | -3.2067% | 7,533 |
| Return on assets (ROA) | -3.2067% | 7,537 |
| Pretax return on assets | -5.2032% | 7,686 |
| Return on Equity (ROE) | -38.8844% | 7,524 |
| Retained earnings to average equity (ytd only) | -38.8844% | 7,516 |
| Net charge-offs to loans | 3.8282% | 353 |
| Credit loss provision to net charge-offs | 100.3453% | 4,055 |
| Earnings coverage of net charge-offs (x) | -0.9801% | 6,117 |
| Efficiency ratio | 202.0904% | 95 |
| Assets per employee ($millions) | 3.8180% | 4,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8878% | 184 |
| Loan loss allowance to noncurrent loans | 16.5327% | 7,087 |
| Noncurrent assets plus other real estate owned to assets | 30.0058% | 9 |
| Noncurrent loans to loans | 29.5641% | 18 |
| Net loans and leases to total assets | 64.3651% | 4,184 |
| Net loans and leases to deposits | 71.0607% | 5,135 |
| Net loans and leases to core deposits | 87.6179% | 3,597 |
| Total domestic deposits to total assets | 90.5776% | 652 |
| Equity capital to assets | 8.0574% | 6,690 |
| Core capital (leverage) ratio | 5.4700% | 7,556 |
| Tier 1 risk-based capital ratio | 7.0747% | 7,597 |
| Total risk-based capital ratio | 8.3552% | 7,600 |
| Memoranda: | ||
| Average total assets | $353,323,670 | 1,890 |
| Average earning assets | $303,725,670 | 2,003 |
| Average equity | $29,137,670 | 2,251 |
| Average total loans | $242,099,670 | 1,857 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2611% | 7,189 |
| Cost of funding earning assets | 1.8935% | 1,476 |
| Net interest margin | 2.3676% | 7,556 |
| Noninterest income to average assets | 0.3528% | 5,317 |
| Noninterest expense to average assets | 6.4831% | 170 |
| Loan and lease loss provision to assets | 2.2534% | 475 |
| Net operating income to assets | -3.9043% | 7,710 |
| Return on assets (ROA) | -3.9043% | 7,713 |
| Pretax return on assets | -6.3303% | 7,815 |
| Return on Equity (ROE) | -46.8532% | 7,698 |
| Retained earnings to average equity (ytd only) | -46.8532% | 7,688 |
| Net charge-offs to loans | 4.1028% | 320 |
| Credit loss provision to net charge-offs | 79.7045% | 3,881 |
| Earnings coverage of net charge-offs (x) | -1.4421% | 5,429 |
| Efficiency ratio | 269.4381% | 55 |
| Assets per employee ($millions) | 4.0372% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2724% | 300 |
| Loan loss allowance to noncurrent loans | 16.6121% | 7,163 |
| Noncurrent assets plus other real estate owned to assets | 25.5516% | 24 |
| Noncurrent loans to loans | 25.7184% | 34 |
| Net loans and leases to total assets | 65.9000% | 3,877 |
| Net loans and leases to deposits | 72.6080% | 4,973 |
| Net loans and leases to core deposits | 90.7957% | 3,258 |
| Total domestic deposits to total assets | 90.7614% | 625 |
| Equity capital to assets | 8.0891% | 6,557 |
| Core capital (leverage) ratio | 5.8483% | 7,601 |
| Tier 1 risk-based capital ratio | 7.5004% | 7,658 |
| Total risk-based capital ratio | 8.7818% | 7,664 |
| Memoranda: | ||
| Average total assets | $363,902,500 | 1,882 |
| Average earning assets | $315,599,500 | 1,978 |
| Average equity | $30,324,500 | 2,199 |
| Average total loans | $250,756,500 | 1,864 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8156% | 6,915 |
| Cost of funding earning assets | 2.5898% | 807 |
| Net interest margin | 2.2258% | 7,637 |
| Noninterest income to average assets | 1.1799% | 1,109 |
| Noninterest expense to average assets | 4.6850% | 659 |
| Loan and lease loss provision to assets | 3.0913% | 548 |
| Net operating income to assets | -3.3202% | 7,466 |
| Return on assets (ROA) | -2.9530% | 7,396 |
| Pretax return on assets | -4.0996% | 7,555 |
| Return on Equity (ROE) | -33.4022% | 7,467 |
| Retained earnings to average equity (ytd only) | -33.4022% | 7,451 |
| Net charge-offs to loans | 4.1732% | 376 |
| Credit loss provision to net charge-offs | 108.1858% | 5,121 |
| Earnings coverage of net charge-offs (x) | -0.5314% | 6,710 |
| Efficiency ratio | 147.9461% | 331 |
| Assets per employee ($millions) | 4.2334% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2699% | 300 |
| Loan loss allowance to noncurrent loans | 21.5303% | 6,982 |
| Noncurrent assets plus other real estate owned to assets | 21.2447% | 46 |
| Noncurrent loans to loans | 19.8318% | 71 |
| Net loans and leases to total assets | 66.0260% | 4,141 |
| Net loans and leases to deposits | 73.2474% | 5,155 |
| Net loans and leases to core deposits | 81.7551% | 5,934 |
| Total domestic deposits to total assets | 90.1411% | 900 |
| Equity capital to assets | 8.5659% | 5,778 |
| Core capital (leverage) ratio | 7.3527% | 6,931 |
| Tier 1 risk-based capital ratio | 9.5779% | 7,178 |
| Total risk-based capital ratio | 10.8598% | 7,131 |
| Memoranda: | ||
| Average total assets | $415,137,000 | 1,663 |
| Average earning assets | $370,568,600 | 1,699 |
| Average equity | $36,701,200 | 1,833 |
| Average total loans | $284,241,000 | 1,693 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8642% | 6,973 |
| Cost of funding earning assets | 2.6499% | 910 |
| Net interest margin | 2.2143% | 7,701 |
| Noninterest income to average assets | 1.4238% | 737 |
| Noninterest expense to average assets | 4.6726% | 627 |
| Loan and lease loss provision to assets | 3.2748% | 419 |
| Net operating income to assets | -3.4411% | 7,679 |
| Return on assets (ROA) | -2.9394% | 7,575 |
| Pretax return on assets | -3.8773% | 7,670 |
| Return on Equity (ROE) | -33.0240% | 7,663 |
| Retained earnings to average equity (ytd only) | -33.0240% | 7,655 |
| Net charge-offs to loans | 4.0700% | 340 |
| Credit loss provision to net charge-offs | 117.7040% | 4,316 |
| Earnings coverage of net charge-offs (x) | -0.4538% | 6,459 |
| Efficiency ratio | 137.0248% | 406 |
| Assets per employee ($millions) | 4.4558% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2961% | 237 |
| Loan loss allowance to noncurrent loans | 23.2324% | 6,894 |
| Noncurrent assets plus other real estate owned to assets | 19.1726% | 56 |
| Noncurrent loans to loans | 18.4918% | 80 |
| Net loans and leases to total assets | 65.7502% | 4,477 |
| Net loans and leases to deposits | 73.2054% | 5,482 |
| Net loans and leases to core deposits | 77.6170% | 6,519 |
| Total domestic deposits to total assets | 89.8160% | 838 |
| Equity capital to assets | 8.9180% | 5,608 |
| Core capital (leverage) ratio | 7.1573% | 7,302 |
| Tier 1 risk-based capital ratio | 9.6125% | 7,298 |
| Total risk-based capital ratio | 10.8950% | 7,239 |
| Memoranda: | ||
| Average total assets | $425,787,500 | 1,645 |
| Average earning assets | $381,936,500 | 1,665 |
| Average equity | $37,898,750 | 1,795 |
| Average total loans | $291,066,000 | 1,669 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9538% | 6,911 |
| Cost of funding earning assets | 2.6903% | 1,056 |
| Net interest margin | 2.2635% | 7,701 |
| Noninterest income to average assets | 1.9313% | 397 |
| Noninterest expense to average assets | 5.0081% | 511 |
| Loan and lease loss provision to assets | 4.3628% | 267 |
| Net operating income to assets | -4.3122% | 7,870 |
| Return on assets (ROA) | -3.5459% | 7,771 |
| Pretax return on assets | -4.4452% | 7,803 |
| Return on Equity (ROE) | -39.8604% | 7,846 |
| Retained earnings to average equity (ytd only) | -39.8604% | 7,833 |
| Net charge-offs to loans | 5.6481% | 204 |
| Credit loss provision to net charge-offs | 113.1648% | 4,096 |
| Earnings coverage of net charge-offs (x) | -0.2698% | 5,932 |
| Efficiency ratio | 126.2168% | 568 |
| Assets per employee ($millions) | 4.6623% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9755% | 264 |
| Loan loss allowance to noncurrent loans | 29.8517% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 15.2963% | 95 |
| Noncurrent loans to loans | 13.3174% | 175 |
| Net loans and leases to total assets | 63.9473% | 4,994 |
| Net loans and leases to deposits | 70.9134% | 5,878 |
| Net loans and leases to core deposits | 77.0833% | 6,605 |
| Total domestic deposits to total assets | 90.1766% | 757 |
| Equity capital to assets | 8.4686% | 6,093 |
| Core capital (leverage) ratio | 7.1390% | 7,418 |
| Tier 1 risk-based capital ratio | 9.8709% | 7,067 |
| Total risk-based capital ratio | 11.1494% | 6,972 |
| Memoranda: | ||
| Average total assets | $437,014,330 | 1,618 |
| Average earning assets | $393,192,330 | 1,650 |
| Average equity | $38,875,670 | 1,750 |
| Average total loans | $298,293,330 | 1,662 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1303% | 6,562 |
| Cost of funding earning assets | 2.6994% | 1,275 |
| Net interest margin | 2.4309% | 7,586 |
| Noninterest income to average assets | 0.3724% | 5,444 |
| Noninterest expense to average assets | 2.7731% | 4,687 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1647% | 6,503 |
| Return on assets (ROA) | 1.0374% | 2,304 |
| Pretax return on assets | 1.6872% | 1,201 |
| Return on Equity (ROE) | 11.4043% | 1,846 |
| Retained earnings to average equity (ytd only) | 11.4043% | 903 |
| Net charge-offs to loans | 2.8870% | 447 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.0959% | 5,070 |
| Efficiency ratio | 107.4035% | 886 |
| Assets per employee ($millions) | 4.9503% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6261% | 669 |
| Loan loss allowance to noncurrent loans | 23.1745% | 7,009 |
| Noncurrent assets plus other real estate owned to assets | 12.8997% | 123 |
| Noncurrent loans to loans | 11.3320% | 208 |
| Net loans and leases to total assets | 64.0292% | 4,983 |
| Net loans and leases to deposits | 72.2533% | 5,713 |
| Net loans and leases to core deposits | 79.1220% | 6,450 |
| Total domestic deposits to total assets | 88.6176% | 1,413 |
| Equity capital to assets | 9.0140% | 5,334 |
| Core capital (leverage) ratio | 8.5348% | 5,464 |
| Tier 1 risk-based capital ratio | 11.5821% | 5,336 |
| Total risk-based capital ratio | 12.8459% | 5,212 |
| Memoranda: | ||
| Average total assets | $445,716,000 | 1,594 |
| Average earning assets | $405,120,000 | 1,607 |
| Average equity | $40,546,000 | 1,682 |
| Average total loans | $307,720,500 | 1,625 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9330% | 5,889 |
| Cost of funding earning assets | 2.8287% | 2,587 |
| Net interest margin | 3.1044% | 6,641 |
| Noninterest income to average assets | 0.3575% | 5,867 |
| Noninterest expense to average assets | 3.0178% | 4,025 |
| Loan and lease loss provision to assets | 2.6207% | 386 |
| Net operating income to assets | -1.4326% | 7,436 |
| Return on assets (ROA) | -1.3666% | 7,356 |
| Pretax return on assets | -2.2603% | 7,523 |
| Return on Equity (ROE) | -13.5689% | 7,524 |
| Retained earnings to average equity (ytd only) | -15.3165% | 7,480 |
| Net charge-offs to loans | 1.7370% | 637 |
| Credit loss provision to net charge-offs | 198.0654% | 2,464 |
| Earnings coverage of net charge-offs (x) | 0.1945% | 6,125 |
| Efficiency ratio | 92.1428% | 1,376 |
| Assets per employee ($millions) | 4.6910% | 2,341 |
| Cash dividends to net income (ytd only)* | -12.8792% | 7,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1326% | 391 |
| Loan loss allowance to noncurrent loans | 23.0362% | 7,098 |
| Noncurrent assets plus other real estate owned to assets | 12.0597% | 108 |
| Noncurrent loans to loans | 13.5985% | 88 |
| Net loans and leases to total assets | 70.1263% | 3,984 |
| Net loans and leases to deposits | 79.8456% | 5,071 |
| Net loans and leases to core deposits | 88.0640% | 5,972 |
| Total domestic deposits to total assets | 87.8274% | 1,549 |
| Equity capital to assets | 9.1814% | 5,109 |
| Core capital (leverage) ratio | 8.5879% | 5,406 |
| Tier 1 risk-based capital ratio | 11.2109% | 5,530 |
| Total risk-based capital ratio | 12.4818% | 5,389 |
| Memoranda: | ||
| Average total assets | $441,447,200 | 1,553 |
| Average earning assets | $414,897,000 | 1,510 |
| Average equity | $44,462,000 | 1,515 |
| Average total loans | $336,278,400 | 1,443 |