company, and non-bank
subsidiaries.
Non-Performing
Assets to Loans
and OREO
(BHCK5525-BHCK3506+BHCK5526- BHCK3507+BHCK2744)/(BHCK2122+BHCK2744)
Schedules HC-C, HC-M & HC-N
Total Nonperforming Assets
(NPLs+Foreclosed Real
Estate+Other Nonaccrual &
Repossessed Assets)/Total
Loans+Foreclosed Real Estate
Tangible Common
Equity as a
Percentage of
Tangible Assets
(BHDM3210-BHCK3163)/(BHCK2170- BHCK3163)
Schedule HC
(Equity Capital -
Goodwill)/ (Total Assets -
Goodwill)
Ratio of Reserves
to Non-Performing
Loans
(BHCK3123+BHCK3128)/(BHCK5525- BHCK3506+BHCK5526-BHCK3507)
Schedules HC & HC-N & HC-R
Total Loan Loss and Allocated
Transfer Risk Reserves/ Total
Nonperforming Loans
(Nonaccrual + Restructured)
Ratio of Net
Charge-Offs to
Loans
(BHCK4635-BHCK4605)/(BHCK3516)
Schedules HC-B & HC-K
Net charge offs for the period
as a percentage of average loans.
Return on Average
Assets (annualized)
(BHCK4340/BHCK3368)
Schedules HI & HC-K
Net Income as a percentage of Assets.
Net Interest Margin
(annualized)
(BHCK4519)/(BHCK3515+BHCK3365+BH CK3516+BHCK3401+BHCKB985)
Schedules HI Memorandum and HC-K
(Net Interest Income Fully
Taxable Equivalent, if
available/Average Earning
Assets)
Efficiency Ratio
(BHCK4093)/(BHCK4519+BHCK4079)
Schedule HI
(Non-interest Expense)/(Net
Interest Income Fully Taxable
Equivalent, if available, plus
Non-interest Income)
Ratio of Loans to
Assets
(BHCKB528+BHCK5369)/(BHCK2170)
Schedule HC
Total Loans & Leases (Net of
Unearned Income & Gross of
Reserve)/Total Assets
1
Ratio of Loans to
Deposits
(BHCKB528+BHCK5369)/(BHDM6631+BH DM6636+BHFN6631+BHFN6636
Schedule HC
Total Loans & Leases (Net of
Unearned Income & Gross of
Reserve)/Total Deposits
(Includes Domestic and Foreign
Deposits)
Total Assets
(BHCK2170)
Schedule HC
The sum of total assets.
Includes cash and balances due
from depository institutions;
securities; federal funds sold
and securities purchased under
agreements to resell; loans and
lease financing receivables;
trading assets; premises and
fixed assets; other real estate
owned; investments in
unconsolidated subsidiaries and
associated companies;
customer's liability on
acceptances outstanding;
intangible assets; and other
assets.
Net Income
(BHCK4300)
Schedule HI
The sum of income (loss)before
extraordinary items and other
adjustments and extraordinary
items; and other adjustments,
net of income taxes.
2