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First Banking Center, Performance and Condition Ratios
| 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 | 5.3538% | 3,102 |
| Cost of funding earning assets | 2.3812% | 207 |
| Net interest margin | 2.9725% | 6,888 |
| Noninterest income to average assets | 0.6690% | 3,018 |
| Noninterest expense to average assets | 3.0759% | 3,448 |
| Loan and lease loss provision to assets | 3.5658% | 199 |
| Net operating income to assets | -4.3490% | 7,598 |
| Return on assets (ROA) | -4.4150% | 7,615 |
| Pretax return on assets | -3.3385% | 7,476 |
| Return on Equity (ROE) | -167.7853% | 7,736 |
| Retained earnings to average equity (ytd only) | -167.7853% | 7,736 |
| Net charge-offs to loans | 1.9642% | 971 |
| Credit loss provision to net charge-offs | 256.9987% | 1,292 |
| Earnings coverage of net charge-offs (x) | 0.2114% | 5,802 |
| Efficiency ratio | 90.6666% | 1,232 |
| Assets per employee ($millions) | 3.9512% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6666% | 76 |
| Loan loss allowance to noncurrent loans | 42.7333% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 13.8199% | 197 |
| Noncurrent loans to loans | 15.6004% | 148 |
| Net loans and leases to total assets | 69.4209% | 2,875 |
| Net loans and leases to deposits | 78.3990% | 3,756 |
| Net loans and leases to core deposits | 112.5509% | 905 |
| Total domestic deposits to total assets | 88.5481% | 1,648 |
| Equity capital to assets | 1.1273% | 7,742 |
| Core capital (leverage) ratio | 1.5988% | 7,726 |
| Tier 1 risk-based capital ratio | 2.4239% | 7,725 |
| Total risk-based capital ratio | 3.7445% | 7,724 |
| Memoranda: | ||
| Average total assets | $838,244,000 | 802 |
| Average earning assets | $761,441,000 | 803 |
| Average equity | $22,057,000 | 2,911 |
| Average total loans | $592,114,000 | 756 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4283% | 2,854 |
| Cost of funding earning assets | 2.3634% | 271 |
| Net interest margin | 3.0649% | 6,693 |
| Noninterest income to average assets | 0.5499% | 3,719 |
| Noninterest expense to average assets | 2.9151% | 4,019 |
| Loan and lease loss provision to assets | 3.6688% | 229 |
| Net operating income to assets | -4.8874% | 7,691 |
| Return on assets (ROA) | -5.1212% | 7,704 |
| Pretax return on assets | -3.4814% | 7,545 |
| Return on Equity (ROE) | -167.0733% | 7,788 |
| Retained earnings to average equity (ytd only) | -167.0733% | 7,788 |
| Net charge-offs to loans | 1.9928% | 911 |
| Credit loss provision to net charge-offs | 264.6707% | 1,434 |
| Earnings coverage of net charge-offs (x) | 0.3039% | 5,422 |
| Efficiency ratio | 86.7588% | 1,626 |
| Assets per employee ($millions) | 6.1736% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7330% | 118 |
| Loan loss allowance to noncurrent loans | 41.0597% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 11.4820% | 293 |
| Noncurrent loans to loans | 13.9625% | 201 |
| Net loans and leases to total assets | 66.9463% | 3,632 |
| Net loans and leases to deposits | 76.7878% | 4,188 |
| Net loans and leases to core deposits | 116.9253% | 812 |
| Total domestic deposits to total assets | 87.1835% | 2,439 |
| Equity capital to assets | 1.6007% | 7,802 |
| Core capital (leverage) ratio | 2.1573% | 7,769 |
| Tier 1 risk-based capital ratio | 3.2835% | 7,765 |
| Total risk-based capital ratio | 4.5916% | 7,766 |
| Memoranda: | ||
| Average total assets | $867,417,330 | 779 |
| Average earning assets | $788,614,330 | 772 |
| Average equity | $26,588,330 | 2,438 |
| Average total loans | $603,357,330 | 747 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4588% | 2,787 |
| Cost of funding earning assets | 2.3535% | 356 |
| Net interest margin | 3.1053% | 6,578 |
| Noninterest income to average assets | 0.7038% | 2,571 |
| Noninterest expense to average assets | 2.6684% | 5,067 |
| Loan and lease loss provision to assets | 0.0027% | 6,547 |
| Net operating income to assets | 0.6052% | 3,873 |
| Return on assets (ROA) | 0.1401% | 6,015 |
| Pretax return on assets | 0.1958% | 5,886 |
| Return on Equity (ROE) | 3.7465% | 5,013 |
| Retained earnings to average equity (ytd only) | 3.7465% | 3,906 |
| Net charge-offs to loans | 0.5034% | 2,557 |
| Credit loss provision to net charge-offs | 0.7772% | 5,122 |
| Earnings coverage of net charge-offs (x) | 2.4352% | 3,322 |
| Efficiency ratio | 75.3996% | 3,329 |
| Assets per employee ($millions) | 6.5819% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7486% | 452 |
| Loan loss allowance to noncurrent loans | 35.0912% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 8.8330% | 515 |
| Noncurrent loans to loans | 10.6824% | 379 |
| Net loans and leases to total assets | 67.2768% | 3,554 |
| Net loans and leases to deposits | 79.4701% | 3,751 |
| Net loans and leases to core deposits | 122.4901% | 691 |
| Total domestic deposits to total assets | 84.6568% | 3,827 |
| Equity capital to assets | 3.9930% | 7,794 |
| Core capital (leverage) ratio | 4.0147% | 7,780 |
| Tier 1 risk-based capital ratio | 5.8721% | 7,755 |
| Total risk-based capital ratio | 7.1534% | 7,757 |
| Memoranda: | ||
| Average total assets | $890,582,000 | 775 |
| Average earning assets | $805,596,000 | 772 |
| Average equity | $33,311,000 | 2,014 |
| Average total loans | $613,477,000 | 749 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5567% | 3,835 |
| Cost of funding earning assets | 2.6120% | 755 |
| Net interest margin | 2.9447% | 6,771 |
| Noninterest income to average assets | 0.7183% | 2,857 |
| Noninterest expense to average assets | 2.6096% | 5,764 |
| Loan and lease loss provision to assets | 6.2249% | 99 |
| Net operating income to assets | -3.4941% | 7,506 |
| Return on assets (ROA) | -3.4331% | 7,495 |
| Pretax return on assets | -5.2994% | 7,740 |
| Return on Equity (ROE) | -58.4176% | 7,746 |
| Retained earnings to average equity (ytd only) | -58.4176% | 7,741 |
| Net charge-offs to loans | 6.8827% | 127 |
| Credit loss provision to net charge-offs | 122.2301% | 4,326 |
| Earnings coverage of net charge-offs (x) | 0.1633% | 5,994 |
| Efficiency ratio | 75.2826% | 3,658 |
| Assets per employee ($millions) | 6.7582% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7971% | 410 |
| Loan loss allowance to noncurrent loans | 42.4323% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 7.2509% | 689 |
| Noncurrent loans to loans | 8.9486% | 510 |
| Net loans and leases to total assets | 65.3422% | 4,313 |
| Net loans and leases to deposits | 76.5768% | 4,647 |
| Net loans and leases to core deposits | 81.6539% | 5,942 |
| Total domestic deposits to total assets | 85.3289% | 3,396 |
| Equity capital to assets | 3.4997% | 7,891 |
| Core capital (leverage) ratio | 3.7595% | 7,860 |
| Tier 1 risk-based capital ratio | 5.6379% | 7,835 |
| Total risk-based capital ratio | 6.9194% | 7,837 |
| Memoranda: | ||
| Average total assets | $938,403,400 | 716 |
| Average earning assets | $867,726,800 | 701 |
| Average equity | $55,147,800 | 1,192 |
| Average total loans | $694,364,200 | 672 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5649% | 4,065 |
| Cost of funding earning assets | 2.5984% | 1,037 |
| Net interest margin | 2.9664% | 6,696 |
| Noninterest income to average assets | 0.7078% | 2,966 |
| Noninterest expense to average assets | 2.5400% | 5,938 |
| Loan and lease loss provision to assets | 4.5970% | 210 |
| Net operating income to assets | -2.3651% | 7,434 |
| Return on assets (ROA) | -2.2377% | 7,383 |
| Pretax return on assets | -3.4721% | 7,607 |
| Return on Equity (ROE) | -34.6908% | 7,698 |
| Retained earnings to average equity (ytd only) | -34.6908% | 7,689 |
| Net charge-offs to loans | 5.0704% | 219 |
| Credit loss provision to net charge-offs | 120.1468% | 4,221 |
| Earnings coverage of net charge-offs (x) | 0.2420% | 5,773 |
| Efficiency ratio | 72.7436% | 4,092 |
| Assets per employee ($millions) | 6.9712% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7795% | 809 |
| Loan loss allowance to noncurrent loans | 32.1091% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 7.0653% | 680 |
| Noncurrent loans to loans | 8.6565% | 529 |
| Net loans and leases to total assets | 68.2701% | 3,897 |
| Net loans and leases to deposits | 81.7485% | 4,074 |
| Net loans and leases to core deposits | 87.0530% | 5,749 |
| Total domestic deposits to total assets | 83.5123% | 3,955 |
| Equity capital to assets | 5.3389% | 7,931 |
| Core capital (leverage) ratio | 5.5632% | 7,861 |
| Tier 1 risk-based capital ratio | 8.0394% | 7,789 |
| Total risk-based capital ratio | 9.3079% | 7,802 |
| Memoranda: | ||
| Average total assets | $944,915,750 | 722 |
| Average earning assets | $878,562,500 | 702 |
| Average equity | $60,952,250 | 1,105 |
| Average total loans | $713,034,750 | 666 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5974% | 4,094 |
| Cost of funding earning assets | 2.5136% | 1,564 |
| Net interest margin | 3.0838% | 6,298 |
| Noninterest income to average assets | 0.7147% | 2,899 |
| Noninterest expense to average assets | 2.6616% | 5,515 |
| Loan and lease loss provision to assets | 3.7134% | 363 |
| Net operating income to assets | -1.8235% | 7,374 |
| Return on assets (ROA) | -1.8396% | 7,375 |
| Pretax return on assets | -2.8113% | 7,509 |
| Return on Equity (ROE) | -26.9771% | 7,661 |
| Retained earnings to average equity (ytd only) | -26.9771% | 7,631 |
| Net charge-offs to loans | 3.4714% | 453 |
| Credit loss provision to net charge-offs | 138.5708% | 3,374 |
| Earnings coverage of net charge-offs (x) | 0.3459% | 5,338 |
| Efficiency ratio | 73.6467% | 4,089 |
| Assets per employee ($millions) | 7.2300% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5264% | 875 |
| Loan loss allowance to noncurrent loans | 34.9428% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 6.0142% | 806 |
| Noncurrent loans to loans | 7.2301% | 662 |
| Net loans and leases to total assets | 68.3206% | 4,102 |
| Net loans and leases to deposits | 82.6091% | 4,117 |
| Net loans and leases to core deposits | 89.2139% | 5,609 |
| Total domestic deposits to total assets | 82.7035% | 4,380 |
| Equity capital to assets | 5.8344% | 7,956 |
| Core capital (leverage) ratio | 6.8995% | 7,602 |
| Tier 1 risk-based capital ratio | 8.8871% | 7,750 |
| Total risk-based capital ratio | 10.1521% | 7,781 |
| Memoranda: | ||
| Average total assets | $946,185,000 | 740 |
| Average earning assets | $881,768,670 | 715 |
| Average equity | $64,521,330 | 1,050 |
| Average total loans | $730,425,000 | 671 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7962% | 3,327 |
| Cost of funding earning assets | 2.6100% | 1,533 |
| Net interest margin | 3.1862% | 5,898 |
| Noninterest income to average assets | 0.7762% | 2,453 |
| Noninterest expense to average assets | 2.5991% | 5,450 |
| Loan and lease loss provision to assets | 0.7640% | 1,683 |
| Net operating income to assets | 0.2692% | 5,411 |
| Return on assets (ROA) | 0.2334% | 5,715 |
| Pretax return on assets | 0.3320% | 5,588 |
| Return on Equity (ROE) | 3.1720% | 5,294 |
| Retained earnings to average equity (ytd only) | 3.1720% | 4,109 |
| Net charge-offs to loans | 0.9921% | 1,356 |
| Credit loss provision to net charge-offs | 94.9566% | 3,893 |
| Earnings coverage of net charge-offs (x) | 1.4257% | 4,021 |
| Efficiency ratio | 68.8679% | 4,804 |
| Assets per employee ($millions) | 6.5449% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7330% | 2,029 |
| Loan loss allowance to noncurrent loans | 43.0834% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 3.9295% | 1,321 |
| Noncurrent loans to loans | 4.0224% | 1,493 |
| Net loans and leases to total assets | 80.4428% | 1,305 |
| Net loans and leases to deposits | 102.9367% | 1,097 |
| Net loans and leases to core deposits | 109.6470% | 3,486 |
| Total domestic deposits to total assets | 78.1478% | 5,959 |
| Equity capital to assets | 7.3593% | 7,448 |
| Core capital (leverage) ratio | 7.9964% | 6,452 |
| Tier 1 risk-based capital ratio | 9.6542% | 7,291 |
| Total risk-based capital ratio | 10.9097% | 7,211 |
| Memoranda: | ||
| Average total assets | $916,790,000 | 768 |
| Average earning assets | $854,565,500 | 742 |
| Average equity | $67,465,000 | 998 |
| Average total loans | $743,437,000 | 663 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4923% | 2,995 |
| Cost of funding earning assets | 3.0562% | 1,654 |
| Net interest margin | 3.4361% | 5,524 |
| Noninterest income to average assets | 0.9263% | 1,873 |
| Noninterest expense to average assets | 2.4017% | 6,385 |
| Loan and lease loss provision to assets | 0.9141% | 1,630 |
| Net operating income to assets | 0.5847% | 4,370 |
| Return on assets (ROA) | 0.5865% | 4,232 |
| Pretax return on assets | 0.8284% | 3,967 |
| Return on Equity (ROE) | 7.9056% | 3,112 |
| Retained earnings to average equity (ytd only) | 2.1374% | 3,900 |
| Net charge-offs to loans | 0.4555% | 2,556 |
| Credit loss provision to net charge-offs | 251.0989% | 1,852 |
| Earnings coverage of net charge-offs (x) | 4.7796% | 3,859 |
| Efficiency ratio | 57.5112% | 6,774 |
| Assets per employee ($millions) | 6.4165% | 917 |
| Cash dividends to net income (ytd only)* | 72.9632% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7265% | 1,831 |
| Loan loss allowance to noncurrent loans | 49.9516% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 3.1985% | 1,430 |
| Noncurrent loans to loans | 3.4564% | 1,474 |
| Net loans and leases to total assets | 78.9565% | 1,896 |
| Net loans and leases to deposits | 100.9311% | 1,720 |
| Net loans and leases to core deposits | 106.8919% | 4,091 |
| Total domestic deposits to total assets | 78.2281% | 5,636 |
| Equity capital to assets | 7.3583% | 7,505 |
| Core capital (leverage) ratio | 7.9925% | 6,506 |
| Tier 1 risk-based capital ratio | 9.1503% | 7,666 |
| Total risk-based capital ratio | 10.4050% | 7,625 |
| Memoranda: | ||
| Average total assets | $899,921,800 | 738 |
| Average earning assets | $842,086,400 | 717 |
| Average equity | $66,762,600 | 999 |
| Average total loans | $719,204,200 | 666 |