Net Income Per Share

=  Net Income/Average Common Shares Outstanding

Cash Dividends Per Share

=  Dividends Paid/Actual Common Shares Outstanding

Book Value Per Share

=  Total Shareholders’ Equity/Actual Common Shares Outstanding

Return on Average Assets

=  Net Income/Average Assets

Return on Average Shareholders’ Equity

=  Net Income/Average Shareholders’ Equity

Net Interest Margin

=  Net Interest Income/Average Earning Assets

Noninterest Expense to Average Assets

=  Noninterest Expense/Average Assets

Efficiency Ratio (GAAP)

=  Noninterest Expense/(Net Interest Income + Noninterest Income)

Average Loans to Deposits

=  Average Net Loans/Average Deposits Outstanding

Dividend Payout

=  Dividends Declared/Net Income

Average Shareholders’ Equity to Average Assets

=  Average Shareholders’ Equity/Average Assets

Tier I Capital Ratio

=  Shareholders’ Equity – Net Unrealized Gains on Available for Sale Securities-Intangible Assets +Qualifying Capital Securities (Tier I Capital)/ Risk Adjusted Assets

Total Capital Ratio

=  (Tier I Capital +Qualifying Tier II Capital Securities +Allowance for Loan Losses +Qualifying Portion of Unrealized Gains on Available for Sale Marketable Equity Securities)/Risk Adjusted Assets

Tier I Leverage Ratio

=  Tier I Capital/Average Assets

Net Charge-offs to Average Loans

=  (Gross Charge-offs – Recoveries)/ Average Net Loans

Non-performing Loans to Period End Loans

=  (Nonaccrual Loans + Loans Past Due 90 Days or Greater)/ Loans Net of Unearned Income

Non-performing Assets to Period End Assets

=  (Nonaccrual Loans + Loans Past Due 90 Days or Greater + Troubled Debt Restructurings + Other Real Estate Owned)/Total Assets

Allowance for Loan Losses to Period End Loans

=  Loan Loss Reserve/Loans Net of Unearned Income

Allowance for Loan Losses to Non-Performing Loans

=  Loan Loss Reserve/(Nonaccrual Loans + Loans Past Due 90 days or Greater + Troubled Debt Restructurings)