Home > Danversbank > Performance and Condition Ratios
Danversbank, 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 | 4.8055% | 4,082 |
| Cost of funding earning assets | 1.1958% | 2,605 |
| Net interest margin | 3.6097% | 4,687 |
| Noninterest income to average assets | 0.4345% | 4,395 |
| Noninterest expense to average assets | 3.4603% | 2,095 |
| Loan and lease loss provision to assets | 0.2057% | 3,864 |
| Net operating income to assets | 0.0294% | 6,172 |
| Return on assets (ROA) | 0.0541% | 6,191 |
| Pretax return on assets | 0.1671% | 5,988 |
| Return on Equity (ROE) | 0.6268% | 6,165 |
| Retained earnings to average equity (ytd only) | 0.6268% | 5,609 |
| Net charge-offs to loans | 0.2457% | 3,648 |
| Credit loss provision to net charge-offs | 125.5043% | 2,432 |
| Earnings coverage of net charge-offs (x) | 2.0385% | 3,840 |
| Efficiency ratio | 89.2505% | 1,302 |
| Assets per employee ($millions) | 7.0392% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 6,380 |
| Loan loss allowance to noncurrent loans | 194.0836% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 6,103 |
| Noncurrent loans to loans | 0.5085% | 5,883 |
| Net loans and leases to total assets | 71.7179% | 1,839 |
| Net loans and leases to deposits | 89.1205% | 1,365 |
| Net loans and leases to core deposits | 96.1886% | 1,668 |
| Total domestic deposits to total assets | 80.4729% | 5,687 |
| Equity capital to assets | 9.1176% | 5,399 |
| Core capital (leverage) ratio | 7.6835% | 6,603 |
| Tier 1 risk-based capital ratio | 10.6995% | 6,716 |
| Total risk-based capital ratio | 11.6654% | 6,818 |
| Memoranda: | ||
| Average total assets | $2,722,916,330 | 266 |
| Average earning assets | $2,534,452,330 | 255 |
| Average equity | $235,146,000 | 313 |
| Average total loans | $1,816,105,330 | 258 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7675% | 4,218 |
| Cost of funding earning assets | 1.2009% | 2,808 |
| Net interest margin | 3.5665% | 4,740 |
| Noninterest income to average assets | 0.4330% | 4,428 |
| Noninterest expense to average assets | 2.9201% | 3,984 |
| Loan and lease loss provision to assets | 0.1719% | 3,915 |
| Net operating income to assets | 0.5311% | 4,346 |
| Return on assets (ROA) | 0.5650% | 4,288 |
| Pretax return on assets | 0.7180% | 4,229 |
| Return on Equity (ROE) | 6.7164% | 3,523 |
| Retained earnings to average equity (ytd only) | 6.7164% | 2,275 |
| Net charge-offs to loans | 0.0380% | 4,577 |
| Credit loss provision to net charge-offs | 705.8824% | 540 |
| Earnings coverage of net charge-offs (x) | 34.7824% | 746 |
| Efficiency ratio | 75.6084% | 3,223 |
| Assets per employee ($millions) | 7.3979% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 6,196 |
| Loan loss allowance to noncurrent loans | 148.5521% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 5,949 |
| Noncurrent loans to loans | 0.7113% | 5,589 |
| Net loans and leases to total assets | 64.4090% | 3,370 |
| Net loans and leases to deposits | 82.0159% | 2,361 |
| Net loans and leases to core deposits | 89.3683% | 2,430 |
| Total domestic deposits to total assets | 78.5324% | 6,290 |
| Equity capital to assets | 8.5782% | 5,800 |
| Core capital (leverage) ratio | 7.4100% | 6,782 |
| Tier 1 risk-based capital ratio | 10.6957% | 6,689 |
| Total risk-based capital ratio | 11.6730% | 6,836 |
| Memoranda: | ||
| Average total assets | $2,792,682,000 | 258 |
| Average earning assets | $2,610,614,500 | 245 |
| Average equity | $234,947,500 | 311 |
| Average total loans | $1,788,549,000 | 260 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9946% | 4,588 |
| Cost of funding earning assets | 1.3812% | 3,384 |
| Net interest margin | 3.6134% | 4,754 |
| Noninterest income to average assets | 0.4677% | 4,392 |
| Noninterest expense to average assets | 2.6109% | 5,370 |
| Loan and lease loss provision to assets | 0.2001% | 5,234 |
| Net operating income to assets | 0.7496% | 2,997 |
| Return on assets (ROA) | 0.7883% | 2,981 |
| Pretax return on assets | 1.0533% | 2,759 |
| Return on Equity (ROE) | 8.8642% | 2,358 |
| Retained earnings to average equity (ytd only) | 8.8642% | 742 |
| Net charge-offs to loans | 0.1145% | 5,734 |
| Credit loss provision to net charge-offs | 264.2381% | 1,062 |
| Earnings coverage of net charge-offs (x) | 15.8717% | 1,253 |
| Efficiency ratio | 66.2516% | 4,927 |
| Assets per employee ($millions) | 7.4956% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 6,374 |
| Loan loss allowance to noncurrent loans | 137.6711% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 6,053 |
| Noncurrent loans to loans | 0.7282% | 5,591 |
| Net loans and leases to total assets | 62.3899% | 4,205 |
| Net loans and leases to deposits | 82.1962% | 2,765 |
| Net loans and leases to core deposits | 89.6062% | 2,819 |
| Total domestic deposits to total assets | 75.9036% | 6,641 |
| Equity capital to assets | 8.2525% | 6,200 |
| Core capital (leverage) ratio | 7.5324% | 6,678 |
| Tier 1 risk-based capital ratio | 10.4568% | 6,727 |
| Total risk-based capital ratio | 11.3809% | 6,896 |
| Memoranda: | ||
| Average total assets | $2,574,018,800 | 276 |
| Average earning assets | $2,382,761,000 | 267 |
| Average equity | $228,920,600 | 313 |
| Average total loans | $1,702,706,200 | 279 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0585% | 4,551 |
| Cost of funding earning assets | 1.4180% | 3,467 |
| Net interest margin | 3.6405% | 4,672 |
| Noninterest income to average assets | 0.4358% | 4,670 |
| Noninterest expense to average assets | 2.6448% | 5,135 |
| Loan and lease loss provision to assets | 0.1807% | 5,241 |
| Net operating income to assets | 0.7312% | 3,278 |
| Return on assets (ROA) | 0.7841% | 3,230 |
| Pretax return on assets | 1.0396% | 3,030 |
| Return on Equity (ROE) | 8.6406% | 2,635 |
| Retained earnings to average equity (ytd only) | 8.6406% | 1,188 |
| Net charge-offs to loans | 0.1260% | 5,294 |
| Credit loss provision to net charge-offs | 213.9711% | 1,640 |
| Earnings coverage of net charge-offs (x) | 13.6161% | 1,573 |
| Efficiency ratio | 67.3687% | 4,591 |
| Assets per employee ($millions) | 6.9815% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 6,589 |
| Loan loss allowance to noncurrent loans | 134.1840% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 6,178 |
| Noncurrent loans to loans | 0.7052% | 5,799 |
| Net loans and leases to total assets | 66.0142% | 3,688 |
| Net loans and leases to deposits | 82.4188% | 3,030 |
| Net loans and leases to core deposits | 89.5073% | 3,165 |
| Total domestic deposits to total assets | 80.0961% | 5,675 |
| Equity capital to assets | 9.0709% | 5,489 |
| Core capital (leverage) ratio | 7.7534% | 6,622 |
| Tier 1 risk-based capital ratio | 10.5409% | 6,747 |
| Total risk-based capital ratio | 11.4266% | 6,949 |
| Memoranda: | ||
| Average total assets | $2,509,187,250 | 284 |
| Average earning assets | $2,314,940,500 | 272 |
| Average equity | $227,695,250 | 309 |
| Average total loans | $1,681,977,750 | 281 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1340% | 4,278 |
| Cost of funding earning assets | 1.4320% | 3,660 |
| Net interest margin | 3.7020% | 4,358 |
| Noninterest income to average assets | 0.4425% | 4,582 |
| Noninterest expense to average assets | 2.6754% | 5,012 |
| Loan and lease loss provision to assets | 0.2022% | 4,852 |
| Net operating income to assets | 0.7218% | 3,309 |
| Return on assets (ROA) | 0.7973% | 3,131 |
| Pretax return on assets | 1.0772% | 2,856 |
| Return on Equity (ROE) | 8.7848% | 2,558 |
| Retained earnings to average equity (ytd only) | 8.7848% | 1,185 |
| Net charge-offs to loans | 0.1150% | 5,027 |
| Credit loss provision to net charge-offs | 261.7801% | 1,451 |
| Earnings coverage of net charge-offs (x) | 15.2429% | 1,465 |
| Efficiency ratio | 67.1117% | 4,741 |
| Assets per employee ($millions) | 6.7247% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 6,470 |
| Loan loss allowance to noncurrent loans | 135.2089% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 6,168 |
| Noncurrent loans to loans | 0.7273% | 5,803 |
| Net loans and leases to total assets | 65.0339% | 4,037 |
| Net loans and leases to deposits | 81.7616% | 3,308 |
| Net loans and leases to core deposits | 89.1049% | 3,393 |
| Total domestic deposits to total assets | 79.5409% | 5,879 |
| Equity capital to assets | 9.2283% | 5,104 |
| Core capital (leverage) ratio | 7.7840% | 6,520 |
| Tier 1 risk-based capital ratio | 10.7770% | 6,465 |
| Total risk-based capital ratio | 11.6942% | 6,710 |
| Memoranda: | ||
| Average total assets | $2,472,898,000 | 287 |
| Average earning assets | $2,277,985,670 | 278 |
| Average equity | $224,433,670 | 315 |
| Average total loans | $1,661,037,330 | 287 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1103% | 4,481 |
| Cost of funding earning assets | 1.4226% | 4,033 |
| Net interest margin | 3.6877% | 4,316 |
| Noninterest income to average assets | 0.4227% | 4,720 |
| Noninterest expense to average assets | 2.7170% | 4,825 |
| Loan and lease loss provision to assets | 0.1958% | 4,548 |
| Net operating income to assets | 0.7194% | 3,349 |
| Return on assets (ROA) | 0.7281% | 3,427 |
| Pretax return on assets | 0.9422% | 3,305 |
| Return on Equity (ROE) | 8.0923% | 2,842 |
| Retained earnings to average equity (ytd only) | 8.0923% | 1,671 |
| Net charge-offs to loans | 0.0937% | 4,480 |
| Credit loss provision to net charge-offs | 307.6923% | 1,279 |
| Earnings coverage of net charge-offs (x) | 17.7077% | 1,266 |
| Efficiency ratio | 68.3319% | 4,654 |
| Assets per employee ($millions) | 6.6588% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 6,727 |
| Loan loss allowance to noncurrent loans | 156.4038% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 6,322 |
| Noncurrent loans to loans | 0.5974% | 6,111 |
| Net loans and leases to total assets | 67.2882% | 3,551 |
| Net loans and leases to deposits | 84.9101% | 2,785 |
| Net loans and leases to core deposits | 93.2411% | 2,944 |
| Total domestic deposits to total assets | 79.2464% | 6,020 |
| Equity capital to assets | 9.1613% | 5,046 |
| Core capital (leverage) ratio | 8.3412% | 5,661 |
| Tier 1 risk-based capital ratio | 10.4561% | 6,671 |
| Total risk-based capital ratio | 11.3339% | 6,971 |
| Memoranda: | ||
| Average total assets | $2,451,830,000 | 298 |
| Average earning assets | $2,274,481,000 | 290 |
| Average equity | $220,603,500 | 320 |
| Average total loans | $1,665,622,000 | 295 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3334% | 5,014 |
| Cost of funding earning assets | 2.0198% | 2,872 |
| Net interest margin | 3.3136% | 5,689 |
| Noninterest income to average assets | 0.3835% | 5,351 |
| Noninterest expense to average assets | 2.7722% | 5,081 |
| Loan and lease loss provision to assets | 0.2816% | 5,167 |
| Net operating income to assets | 0.3722% | 4,240 |
| Return on assets (ROA) | 0.3723% | 4,341 |
| Pretax return on assets | 0.4388% | 4,376 |
| Return on Equity (ROE) | 3.7419% | 4,188 |
| Retained earnings to average equity (ytd only) | 3.7419% | 2,582 |
| Net charge-offs to loans | 0.2098% | 5,315 |
| Credit loss provision to net charge-offs | 200.8648% | 1,939 |
| Earnings coverage of net charge-offs (x) | 5.1368% | 2,680 |
| Efficiency ratio | 79.1898% | 3,013 |
| Assets per employee ($millions) | 6.8487% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 5,986 |
| Loan loss allowance to noncurrent loans | 173.8498% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.5135% | 6,169 |
| Noncurrent loans to loans | 0.6225% | 5,997 |
| Net loans and leases to total assets | 69.8111% | 3,302 |
| Net loans and leases to deposits | 95.9211% | 1,342 |
| Net loans and leases to core deposits | 120.6770% | 1,903 |
| Total domestic deposits to total assets | 72.7797% | 7,174 |
| Equity capital to assets | 9.5679% | 4,323 |
| Core capital (leverage) ratio | 9.4050% | 3,824 |
| Tier 1 risk-based capital ratio | 12.3354% | 4,650 |
| Total risk-based capital ratio | 13.3442% | 4,824 |
| Memoranda: | ||
| Average total assets | $1,814,438,800 | 393 |
| Average earning assets | $1,702,360,400 | 380 |
| Average equity | $180,549,200 | 380 |
| Average total loans | $1,212,568,400 | 404 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2908% | 5,477 |
| Cost of funding earning assets | 2.1044% | 2,874 |
| Net interest margin | 3.1864% | 6,073 |
| Noninterest income to average assets | 0.3882% | 5,404 |
| Noninterest expense to average assets | 2.7033% | 5,311 |
| Loan and lease loss provision to assets | 0.2507% | 4,945 |
| Net operating income to assets | 0.3279% | 4,683 |
| Return on assets (ROA) | 0.3282% | 4,787 |
| Pretax return on assets | 0.4228% | 4,733 |
| Return on Equity (ROE) | 3.2640% | 4,674 |
| Retained earnings to average equity (ytd only) | 3.2640% | 3,489 |
| Net charge-offs to loans | 0.1831% | 4,925 |
| Credit loss provision to net charge-offs | 208.0495% | 2,124 |
| Earnings coverage of net charge-offs (x) | 5.5864% | 2,781 |
| Efficiency ratio | 79.8661% | 2,866 |
| Assets per employee ($millions) | 6.7166% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 5,636 |
| Loan loss allowance to noncurrent loans | 169.1202% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.5337% | 6,124 |
| Noncurrent loans to loans | 0.6591% | 5,983 |
| Net loans and leases to total assets | 65.2323% | 4,595 |
| Net loans and leases to deposits | 86.2352% | 3,266 |
| Net loans and leases to core deposits | 107.6878% | 3,510 |
| Total domestic deposits to total assets | 75.6447% | 6,651 |
| Equity capital to assets | 9.7415% | 4,432 |
| Core capital (leverage) ratio | 9.6258% | 3,747 |
| Tier 1 risk-based capital ratio | 13.0243% | 4,175 |
| Total risk-based capital ratio | 14.0442% | 4,267 |
| Memoranda: | ||
| Average total assets | $1,786,927,000 | 411 |
| Average earning assets | $1,675,765,750 | 396 |
| Average equity | $179,653,250 | 390 |
| Average total loans | $1,176,159,500 | 431 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2952% | 5,678 |
| Cost of funding earning assets | 2.1556% | 3,010 |
| Net interest margin | 3.1397% | 6,125 |
| Noninterest income to average assets | 0.4039% | 5,250 |
| Noninterest expense to average assets | 2.7322% | 5,247 |
| Loan and lease loss provision to assets | 0.2236% | 4,797 |
| Net operating income to assets | 0.3009% | 4,893 |
| Return on assets (ROA) | 0.3009% | 5,009 |
| Pretax return on assets | 0.3870% | 4,969 |
| Return on Equity (ROE) | 2.9598% | 4,918 |
| Retained earnings to average equity (ytd only) | 2.9598% | 3,676 |
| Net charge-offs to loans | 0.2383% | 4,007 |
| Credit loss provision to net charge-offs | 142.6492% | 3,260 |
| Earnings coverage of net charge-offs (x) | 3.8959% | 3,282 |
| Efficiency ratio | 81.5266% | 2,791 |
| Assets per employee ($millions) | 6.5060% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 5,793 |
| Loan loss allowance to noncurrent loans | 141.7791% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5907% | 5,938 |
| Noncurrent loans to loans | 0.7540% | 5,728 |
| Net loans and leases to total assets | 65.3177% | 4,703 |
| Net loans and leases to deposits | 86.6803% | 3,424 |
| Net loans and leases to core deposits | 109.0034% | 3,495 |
| Total domestic deposits to total assets | 75.3547% | 6,687 |
| Equity capital to assets | 9.9403% | 4,034 |
| Core capital (leverage) ratio | 9.9821% | 3,318 |
| Tier 1 risk-based capital ratio | 13.4913% | 3,818 |
| Total risk-based capital ratio | 14.4705% | 3,906 |
| Memoranda: | ||
| Average total assets | $1,753,451,670 | 426 |
| Average earning assets | $1,641,325,330 | 409 |
| Average equity | $178,252,330 | 397 |
| Average total loans | $1,153,198,670 | 453 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2805% | 5,976 |
| Cost of funding earning assets | 2.1729% | 3,309 |
| Net interest margin | 3.1076% | 6,175 |
| Noninterest income to average assets | 0.4021% | 5,194 |
| Noninterest expense to average assets | 2.6155% | 5,387 |
| Loan and lease loss provision to assets | 0.1758% | 4,705 |
| Net operating income to assets | 0.4155% | 4,797 |
| Return on assets (ROA) | 0.4155% | 4,974 |
| Pretax return on assets | 0.5281% | 4,988 |
| Return on Equity (ROE) | 4.0403% | 4,911 |
| Retained earnings to average equity (ytd only) | 4.0403% | 3,653 |
| Net charge-offs to loans | 0.1227% | 3,994 |
| Credit loss provision to net charge-offs | 218.3908% | 2,071 |
| Earnings coverage of net charge-offs (x) | 8.7443% | 2,152 |
| Efficiency ratio | 78.5839% | 3,064 |
| Assets per employee ($millions) | 6.3519% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 5,543 |
| Loan loss allowance to noncurrent loans | 239.3171% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 6,401 |
| Noncurrent loans to loans | 0.4555% | 6,280 |
| Net loans and leases to total assets | 65.6392% | 4,660 |
| Net loans and leases to deposits | 89.4617% | 3,020 |
| Net loans and leases to core deposits | 111.1359% | 3,294 |
| Total domestic deposits to total assets | 73.3712% | 6,987 |
| Equity capital to assets | 10.3145% | 3,637 |
| Core capital (leverage) ratio | 10.1184% | 3,277 |
| Tier 1 risk-based capital ratio | 13.9780% | 3,601 |
| Total risk-based capital ratio | 14.9848% | 3,648 |
| Memoranda: | ||
| Average total assets | $1,729,096,000 | 426 |
| Average earning assets | $1,623,266,000 | 414 |
| Average equity | $177,808,000 | 401 |
| Average total loans | $1,134,872,500 | 464 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8642% | 6,212 |
| Cost of funding earning assets | 2.5850% | 3,761 |
| Net interest margin | 3.2792% | 6,106 |
| Noninterest income to average assets | 0.3892% | 5,567 |
| Noninterest expense to average assets | 3.0844% | 3,763 |
| Loan and lease loss provision to assets | 0.2693% | 4,244 |
| Net operating income to assets | 0.1173% | 6,064 |
| Return on assets (ROA) | 0.1760% | 5,751 |
| Pretax return on assets | 0.1423% | 5,855 |
| Return on Equity (ROE) | 1.7309% | 5,697 |
| Retained earnings to average equity (ytd only) | 1.7309% | 4,176 |
| Net charge-offs to loans | 0.1171% | 5,091 |
| Credit loss provision to net charge-offs | 355.6397% | 1,258 |
| Earnings coverage of net charge-offs (x) | 4.6608% | 3,908 |
| Efficiency ratio | 89.5133% | 1,552 |
| Assets per employee ($millions) | 6.4094% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 5,384 |
| Loan loss allowance to noncurrent loans | 204.5692% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.4112% | 5,987 |
| Noncurrent loans to loans | 0.5300% | 5,767 |
| Net loans and leases to total assets | 64.1972% | 5,235 |
| Net loans and leases to deposits | 93.1890% | 2,929 |
| Net loans and leases to core deposits | 117.1395% | 2,990 |
| Total domestic deposits to total assets | 68.8892% | 7,394 |
| Equity capital to assets | 10.2519% | 3,756 |
| Core capital (leverage) ratio | 11.0917% | 2,516 |
| Tier 1 risk-based capital ratio | 14.1231% | 3,489 |
| Total risk-based capital ratio | 15.1183% | 3,528 |
| Memoranda: | ||
| Average total assets | $1,569,123,800 | 448 |
| Average earning assets | $1,458,506,200 | 434 |
| Average equity | $159,512,800 | 443 |
| Average total loans | $1,014,540,800 | 487 |