| Basic Earnings (Loss) Per Share | = | Net Income (Loss) Available to Common Shareholders/ Weighted Average Common Shares Outstanding | ||
| Diluted Earnings (Loss) Per Share | = | Net Income (Loss) Available to Common Shareholders/ Weighted Average Diluted Shares Outstanding | ||
| Cash Dividends Per Share | = | Dividends Paid to Common Shareholders/Average Common Shares Outstanding | ||
| Book Value Per Share | = | Total Common Shareholders’ Equity/Common Shares Outstanding | ||
| Return on Average Assets | = | Net Income/Average Assets | ||
| Return on Average Shareholders’ Equity | = | Net Income/Average Shareholders’ Equity | ||
| Efficiency Ratio (GAAP) | = | Noninterest Expense/(Net Interest Income Plus | ||
| Noninterest Income) | ||||
| Efficiency Ratio (Non-GAAP) | = | See schedule under Item 7 — Management’s Discussion and Analysis of Financial Condition and Results of Operations | ||
| Loans to Deposits | = | Average Net Loans/Average Deposits Outstanding | ||
| Dividend Payout | = | Dividends Declared/Net Income Available to Common Shareholders | ||
| Average Shareholders’ Equity to Average Assets | = | Average Shareholders’ Equity/Average Assets | ||
| Tier I Capital Ratio | = | (Shareholders’ Equity + Qualifying Subordinated Debt) -Intangible Assets - Securities Market-to-market Capital Reserve (Tier I Capital)/ Risk Adjusted Assets | ||
| Total Capital Ratio | = | Tier I Capital Plus Allowance for Loan | ||
| Losses/Risk Adjusted Assets | ||||
| Tier I Leverage Ratio | = | Tier I Capital/Average Assets | ||
| Net Charge-offs to Average Loans | = | (Gross Charge-offs Less Recoveries)/Average Net Loans | ||
| Non-performing Loans to Total Loans | = | (Nonaccrual Loans Plus Loans Past Due 90 Days or Greater)/Gross Loans Net of Unearned Interest | ||
| Non-performing Assets to Total Loans Plus OREO | = | (Nonaccrual Loans Plus Loans Past Due 90 Days or Greater Plus OREO)/Net Loans plus OREO | ||
| Allowance for Loan Losses to Total Loans | = | Allowance for Loan Losses/(Gross Loans Net of Unearned Interest) | ||
| Allowance for Loan Losses to Non-performing Assets | = | Allowance for Loan Losses/(Nonaccrual Loans plus Loans Past Due 90 days or Greater plus OREO) | ||
| Allowance for Loan Losses to Non-performing Loans | = | Allowance for Loan Losses/(Nonaccrual Loans plus Performing Loans) | ||
| Net Interest Margin | = | Tax Equivalent Net Interest Income/Average Earning Assets |
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