Home > First Financial Bank > Performance and Condition Ratios
First Financial Bank, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 4,815 |
| Cost of funding earning assets | 0.4009% | 6,114 |
| Net interest margin | 3.8001% | 3,335 |
| Noninterest income to average assets | 0.6747% | 2,850 |
| Noninterest expense to average assets | 2.0228% | 6,320 |
| Loan and lease loss provision to assets | 0.1852% | 3,271 |
| Net operating income to assets | 1.3950% | 1,238 |
| Return on assets (ROA) | 1.4058% | 1,330 |
| Pretax return on assets | 1.9220% | 830 |
| Return on Equity (ROE) | 10.0290% | 2,338 |
| Retained earnings to average equity (ytd only) | 2.1030% | 5,276 |
| Net charge-offs to loans | 0.0015% | 5,757 |
| Credit loss provision to net charge-offs | 25,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 2,832.0075% | 7 |
| Efficiency ratio | 48.4701% | 6,691 |
| Assets per employee ($millions) | 7.6223% | 556 |
| Cash dividends to net income (ytd only)* | 79.0307% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 4,572 |
| Loan loss allowance to noncurrent loans | 100.7924% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 4,964 |
| Noncurrent loans to loans | 1.3406% | 3,788 |
| Net loans and leases to total assets | 50.7626% | 5,220 |
| Net loans and leases to deposits | 59.4941% | 5,258 |
| Net loans and leases to core deposits | 64.5458% | 5,094 |
| Total domestic deposits to total assets | 85.3237% | 3,604 |
| Equity capital to assets | 14.1401% | 1,099 |
| Core capital (leverage) ratio | 8.7796% | 5,374 |
| Tier 1 risk-based capital ratio | 14.4693% | 4,209 |
| Total risk-based capital ratio | 15.7199% | 4,175 |
| Memoranda: | ||
| Average total assets | $180,013,750 | 3,351 |
| Average earning assets | $162,974,750 | 3,365 |
| Average equity | $25,232,750 | 2,657 |
| Average total loans | $91,707,000 | 3,741 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2303% | 4,847 |
| Cost of funding earning assets | 0.4309% | 6,093 |
| Net interest margin | 3.7994% | 3,369 |
| Noninterest income to average assets | 0.6848% | 2,750 |
| Noninterest expense to average assets | 2.0509% | 6,332 |
| Loan and lease loss provision to assets | 0.2234% | 2,848 |
| Net operating income to assets | 1.3566% | 1,294 |
| Return on assets (ROA) | 1.3729% | 1,413 |
| Pretax return on assets | 1.8800% | 883 |
| Return on Equity (ROE) | 9.8236% | 2,431 |
| Retained earnings to average equity (ytd only) | 1.8304% | 5,282 |
| Net charge-offs to loans | 0.0044% | 5,444 |
| Credit loss provision to net charge-offs | 10,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 931.5000% | 36 |
| Efficiency ratio | 48.9321% | 6,717 |
| Assets per employee ($millions) | 7.6848% | 540 |
| Cash dividends to net income (ytd only)* | 81.3670% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 4,880 |
| Loan loss allowance to noncurrent loans | 488.4000% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 6,435 |
| Noncurrent loans to loans | 0.2663% | 6,048 |
| Net loans and leases to total assets | 52.4136% | 5,046 |
| Net loans and leases to deposits | 62.7224% | 4,914 |
| Net loans and leases to core deposits | 68.9175% | 4,680 |
| Total domestic deposits to total assets | 83.5644% | 4,502 |
| Equity capital to assets | 14.3293% | 967 |
| Core capital (leverage) ratio | 8.6721% | 5,416 |
| Tier 1 risk-based capital ratio | 14.5396% | 4,076 |
| Total risk-based capital ratio | 15.7774% | 4,049 |
| Memoranda: | ||
| Average total assets | $179,040,330 | 3,370 |
| Average earning assets | $162,446,330 | 3,377 |
| Average equity | $25,021,330 | 2,667 |
| Average total loans | $90,898,000 | 3,784 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 5,069 |
| Cost of funding earning assets | 0.4586% | 6,090 |
| Net interest margin | 3.7525% | 3,589 |
| Noninterest income to average assets | 0.6105% | 3,158 |
| Noninterest expense to average assets | 2.1311% | 6,197 |
| Loan and lease loss provision to assets | 0.2220% | 2,729 |
| Net operating income to assets | 1.2143% | 1,698 |
| Return on assets (ROA) | 1.2143% | 1,881 |
| Pretax return on assets | 1.6539% | 1,424 |
| Return on Equity (ROE) | 8.7983% | 2,908 |
| Retained earnings to average equity (ytd only) | 0.7560% | 5,757 |
| Net charge-offs to loans | 0.0358% | 4,193 |
| Credit loss provision to net charge-offs | 1,250.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 105.6250% | 328 |
| Efficiency ratio | 52.4654% | 6,498 |
| Assets per employee ($millions) | 8.1443% | 446 |
| Cash dividends to net income (ytd only)* | 91.4077% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 5,353 |
| Loan loss allowance to noncurrent loans | 428.8462% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 6,527 |
| Noncurrent loans to loans | 0.2874% | 6,101 |
| Net loans and leases to total assets | 49.8602% | 5,324 |
| Net loans and leases to deposits | 58.2543% | 5,345 |
| Net loans and leases to core deposits | 63.7148% | 5,145 |
| Total domestic deposits to total assets | 85.5906% | 3,742 |
| Equity capital to assets | 13.9411% | 1,046 |
| Core capital (leverage) ratio | 8.4841% | 5,622 |
| Tier 1 risk-based capital ratio | 14.4730% | 4,132 |
| Total risk-based capital ratio | 15.6185% | 4,172 |
| Memoranda: | ||
| Average total assets | $180,185,500 | 3,375 |
| Average earning assets | $163,092,000 | 3,389 |
| Average equity | $24,868,500 | 2,673 |
| Average total loans | $89,416,000 | 3,844 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5195% | 4,991 |
| Cost of funding earning assets | 0.5067% | 6,499 |
| Net interest margin | 4.0128% | 2,821 |
| Noninterest income to average assets | 0.6431% | 2,929 |
| Noninterest expense to average assets | 1.9929% | 6,684 |
| Loan and lease loss provision to assets | 0.5670% | 1,833 |
| Net operating income to assets | 1.2348% | 1,420 |
| Return on assets (ROA) | 1.2348% | 1,522 |
| Pretax return on assets | 1.7167% | 956 |
| Return on Equity (ROE) | 9.2552% | 2,340 |
| Retained earnings to average equity (ytd only) | 5.2422% | 2,485 |
| Net charge-offs to loans | 0.0101% | 6,289 |
| Credit loss provision to net charge-offs | 11,177.7778% | 20 |
| Earnings coverage of net charge-offs (x) | 450.2222% | 77 |
| Efficiency ratio | 45.8092% | 7,055 |
| Assets per employee ($millions) | 7.8781% | 494 |
| Cash dividends to net income (ytd only)* | 43.3592% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 5,587 |
| Loan loss allowance to noncurrent loans | 260.3053% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 6,418 |
| Noncurrent loans to loans | 0.4447% | 5,820 |
| Net loans and leases to total assets | 48.2113% | 5,799 |
| Net loans and leases to deposits | 56.4573% | 5,845 |
| Net loans and leases to core deposits | 62.4550% | 5,608 |
| Total domestic deposits to total assets | 85.3943% | 3,647 |
| Equity capital to assets | 13.6637% | 1,189 |
| Core capital (leverage) ratio | 8.5399% | 5,493 |
| Tier 1 risk-based capital ratio | 14.5793% | 3,915 |
| Total risk-based capital ratio | 15.6370% | 4,023 |
| Memoranda: | ||
| Average total assets | $177,432,600 | 3,373 |
| Average earning assets | $160,659,000 | 3,390 |
| Average equity | $23,673,200 | 2,707 |
| Average total loans | $89,213,600 | 3,877 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 4,893 |
| Cost of funding earning assets | 0.5190% | 6,628 |
| Net interest margin | 4.0740% | 2,580 |
| Noninterest income to average assets | 0.6452% | 2,914 |
| Noninterest expense to average assets | 2.0412% | 6,609 |
| Loan and lease loss provision to assets | 0.6421% | 1,531 |
| Net operating income to assets | 1.1913% | 1,676 |
| Return on assets (ROA) | 1.1913% | 1,793 |
| Pretax return on assets | 1.6559% | 1,240 |
| Return on Equity (ROE) | 8.9847% | 2,607 |
| Retained earnings to average equity (ytd only) | 6.4209% | 2,278 |
| Net charge-offs to loans | 0.0030% | 6,156 |
| Credit loss provision to net charge-offs | 42,500.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 1,519.0637% | 6 |
| Efficiency ratio | 46.2570% | 7,046 |
| Assets per employee ($millions) | 8.8196% | 354 |
| Cash dividends to net income (ytd only)* | 28.5355% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 6,155 |
| Loan loss allowance to noncurrent loans | 1,150.0000% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 6,943 |
| Noncurrent loans to loans | 0.0889% | 6,712 |
| Net loans and leases to total assets | 47.9656% | 5,959 |
| Net loans and leases to deposits | 55.9652% | 6,037 |
| Net loans and leases to core deposits | 60.0071% | 5,996 |
| Total domestic deposits to total assets | 85.7062% | 3,377 |
| Equity capital to assets | 13.9508% | 1,172 |
| Core capital (leverage) ratio | 8.5105% | 5,699 |
| Tier 1 risk-based capital ratio | 15.0469% | 3,634 |
| Total risk-based capital ratio | 15.9920% | 3,785 |
| Memoranda: | ||
| Average total assets | $176,491,750 | 3,403 |
| Average earning assets | $160,034,000 | 3,424 |
| Average equity | $23,402,000 | 2,739 |
| Average total loans | $89,422,000 | 3,907 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 4,742 |
| Cost of funding earning assets | 0.5452% | 6,682 |
| Net interest margin | 4.1078% | 2,381 |
| Noninterest income to average assets | 0.6288% | 2,957 |
| Noninterest expense to average assets | 2.1028% | 6,587 |
| Loan and lease loss provision to assets | 0.6719% | 1,433 |
| Net operating income to assets | 1.1341% | 1,776 |
| Return on assets (ROA) | 1.1341% | 1,850 |
| Pretax return on assets | 1.5760% | 1,309 |
| Return on Equity (ROE) | 8.7043% | 2,636 |
| Retained earnings to average equity (ytd only) | 8.7043% | 1,206 |
| Net charge-offs to loans | 0.0044% | 5,818 |
| Credit loss provision to net charge-offs | 29,650.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 992.0000% | 23 |
| Efficiency ratio | 47.5521% | 7,083 |
| Assets per employee ($millions) | 7.8253% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6779% | 7,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 52.5094% | 5,499 |
| Net loans and leases to deposits | 61.2278% | 5,590 |
| Net loans and leases to core deposits | 66.2373% | 5,484 |
| Total domestic deposits to total assets | 85.7606% | 3,462 |
| Equity capital to assets | 13.9478% | 1,114 |
| Core capital (leverage) ratio | 8.4344% | 5,655 |
| Tier 1 risk-based capital ratio | 14.7681% | 3,634 |
| Total risk-based capital ratio | 15.4324% | 4,000 |
| Memoranda: | ||
| Average total assets | $176,525,330 | 3,426 |
| Average earning assets | $159,938,670 | 3,445 |
| Average equity | $23,000,000 | 2,756 |
| Average total loans | $90,735,670 | 3,927 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5437% | 5,189 |
| Cost of funding earning assets | 0.5754% | 6,708 |
| Net interest margin | 3.9683% | 2,832 |
| Noninterest income to average assets | 0.5439% | 3,554 |
| Noninterest expense to average assets | 2.3435% | 6,072 |
| Loan and lease loss provision to assets | 0.3044% | 2,733 |
| Net operating income to assets | 1.0833% | 1,896 |
| Return on assets (ROA) | 1.0833% | 1,946 |
| Pretax return on assets | 1.4929% | 1,470 |
| Return on Equity (ROE) | 8.6067% | 2,651 |
| Retained earnings to average equity (ytd only) | 8.6067% | 1,516 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7838% | 6,525 |
| Assets per employee ($millions) | 8.3970% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1773% | 7,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 51.3967% | 5,662 |
| Net loans and leases to deposits | 59.2846% | 5,793 |
| Net loans and leases to core deposits | 63.7836% | 5,750 |
| Total domestic deposits to total assets | 86.6949% | 3,122 |
| Equity capital to assets | 13.0210% | 1,371 |
| Core capital (leverage) ratio | 7.8775% | 6,387 |
| Tier 1 risk-based capital ratio | 14.0872% | 4,015 |
| Total risk-based capital ratio | 14.2600% | 4,805 |
| Memoranda: | ||
| Average total assets | $178,710,000 | 3,400 |
| Average earning assets | $161,984,000 | 3,422 |
| Average equity | $22,494,000 | 2,801 |
| Average total loans | $90,596,000 | 3,962 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7833% | 7,609 |
| Cost of funding earning assets | 0.1262% | 7,577 |
| Net interest margin | 0.6571% | 7,601 |
| Noninterest income to average assets | 0.0538% | 7,085 |
| Noninterest expense to average assets | 0.4323% | 7,618 |
| Loan and lease loss provision to assets | 0.0124% | 6,970 |
| Net operating income to assets | 0.1658% | 5,387 |
| Return on assets (ROA) | 0.1658% | 5,547 |
| Pretax return on assets | 0.2307% | 5,410 |
| Return on Equity (ROE) | 1.5382% | 5,548 |
| Retained earnings to average equity (ytd only) | 1.5382% | 4,767 |
| Net charge-offs to loans | -0.0060% | 7,284 |
| Credit loss provision to net charge-offs | -333.3333% | 7,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0952% | 5,497 |
| Assets per employee ($millions) | 10.0601% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0288% | 7,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 49.9072% | 6,175 |
| Net loans and leases to deposits | 56.8595% | 6,365 |
| Net loans and leases to core deposits | 62.0647% | 6,231 |
| Total domestic deposits to total assets | 87.7729% | 2,378 |
| Equity capital to assets | 12.1641% | 1,820 |
| Core capital (leverage) ratio | 7.4266% | 6,763 |
| Tier 1 risk-based capital ratio | 12.8104% | 4,766 |
| Total risk-based capital ratio | 12.8370% | 5,848 |
| Memoranda: | ||
| Average total assets | $161,676,600 | 3,669 |
| Average earning assets | $152,949,600 | 3,590 |
| Average equity | $17,423,000 | 3,515 |
| Average total loans | $99,237,400 | 3,818 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2742% | 3,475 |
| Cost of funding earning assets | 1.2067% | 4,831 |
| Net interest margin | 4.0675% | 2,775 |
| Noninterest income to average assets | 0.3596% | 5,288 |
| Noninterest expense to average assets | 2.1552% | 6,728 |
| Loan and lease loss provision to assets | 0.2210% | 4,849 |
| Net operating income to assets | 1.8866% | 417 |
| Return on assets (ROA) | 2.0540% | 329 |
| Pretax return on assets | 2.0540% | 555 |
| Return on Equity (ROE) | 19.7963% | 318 |
| Retained earnings to average equity (ytd only) | 14.3474% | 253 |
| Net charge-offs to loans | -0.0302% | 7,405 |
| Credit loss provision to net charge-offs | -1,130.4348% | 7,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5584% | 7,109 |
| Assets per employee ($millions) | 9.0476% | 341 |
| Cash dividends to net income (ytd only)* | 27.5247% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 3,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 63.3388% | 4,246 |
| Net loans and leases to deposits | 70.8800% | 5,019 |
| Net loans and leases to core deposits | 78.4950% | 4,742 |
| Total domestic deposits to total assets | 89.3605% | 1,195 |
| Equity capital to assets | 10.4522% | 3,570 |
| Core capital (leverage) ratio | 9.6933% | 3,625 |
| Tier 1 risk-based capital ratio | 15.4562% | 3,023 |
| Total risk-based capital ratio | 16.7110% | 2,990 |
| Memoranda: | ||
| Average total assets | $156,825,250 | 3,817 |
| Average earning assets | $150,490,500 | 3,671 |
| Average equity | $16,272,000 | 3,759 |
| Average total loans | $101,447,000 | 3,818 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2591% | 3,657 |
| Cost of funding earning assets | 1.2261% | 4,980 |
| Net interest margin | 4.0330% | 2,860 |
| Noninterest income to average assets | 0.3385% | 5,441 |
| Noninterest expense to average assets | 2.0515% | 7,018 |
| Loan and lease loss provision to assets | 0.2196% | 4,695 |
| Net operating income to assets | 1.9300% | 373 |
| Return on assets (ROA) | 2.1845% | 262 |
| Pretax return on assets | 2.1845% | 417 |
| Return on Equity (ROE) | 21.1085% | 251 |
| Retained earnings to average equity (ytd only) | 18.6743% | 113 |
| Net charge-offs to loans | -0.0558% | 7,464 |
| Credit loss provision to net charge-offs | -607.1429% | 6,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8315% | 7,301 |
| Assets per employee ($millions) | 8.8389% | 358 |
| Cash dividends to net income (ytd only)* | 11.5316% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5242% | 3,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 63.9179% | 4,278 |
| Net loans and leases to deposits | 71.5983% | 5,058 |
| Net loans and leases to core deposits | 80.6942% | 4,596 |
| Total domestic deposits to total assets | 89.2729% | 1,298 |
| Equity capital to assets | 10.5776% | 3,308 |
| Core capital (leverage) ratio | 9.8653% | 3,323 |
| Tier 1 risk-based capital ratio | 15.3125% | 3,001 |
| Total risk-based capital ratio | 16.5662% | 2,959 |
| Memoranda: | ||
| Average total assets | $154,815,000 | 3,876 |
| Average earning assets | $148,275,670 | 3,736 |
| Average equity | $16,022,000 | 3,797 |
| Average total loans | $100,325,670 | 3,885 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4269% | 2,912 |
| Cost of funding earning assets | 1.2440% | 5,149 |
| Net interest margin | 4.1830% | 2,111 |
| Noninterest income to average assets | 0.3616% | 5,250 |
| Noninterest expense to average assets | 2.0934% | 6,958 |
| Loan and lease loss provision to assets | 0.2096% | 4,409 |
| Net operating income to assets | 2.0672% | 308 |
| Return on assets (ROA) | 2.3213% | 226 |
| Pretax return on assets | 2.3213% | 336 |
| Return on Equity (ROE) | 22.6910% | 242 |
| Retained earnings to average equity (ytd only) | 22.1788% | 148 |
| Net charge-offs to loans | 0.0243% | 5,239 |
| Credit loss provision to net charge-offs | 1,333.3333% | 368 |
| Earnings coverage of net charge-offs (x) | 144.8333% | 230 |
| Efficiency ratio | 47.9017% | 7,445 |
| Assets per employee ($millions) | 8.0971% | 497 |
| Cash dividends to net income (ytd only)* | 2.2573% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 4,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 64.5169% | 4,213 |
| Net loans and leases to deposits | 72.1631% | 5,029 |
| Net loans and leases to core deposits | 80.9896% | 4,628 |
| Total domestic deposits to total assets | 89.4043% | 1,295 |
| Equity capital to assets | 10.4677% | 3,279 |
| Core capital (leverage) ratio | 9.7486% | 3,456 |
| Tier 1 risk-based capital ratio | 15.1565% | 3,038 |
| Total risk-based capital ratio | 16.4092% | 2,994 |
| Memoranda: | ||
| Average total assets | $152,672,000 | 3,969 |
| Average earning assets | $146,307,500 | 3,829 |
| Average equity | $15,618,500 | 3,895 |
| Average total loans | $98,854,500 | 3,993 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0041% | 1,848 |
| Cost of funding earning assets | 1.5853% | 5,101 |
| Net interest margin | 4.4188% | 1,383 |
| Noninterest income to average assets | 0.3948% | 5,246 |
| Noninterest expense to average assets | 2.2479% | 6,873 |
| Loan and lease loss provision to assets | 0.2305% | 5,525 |
| Net operating income to assets | 2.1662% | 159 |
| Return on assets (ROA) | 2.2788% | 136 |
| Pretax return on assets | 2.2788% | 235 |
| Return on Equity (ROE) | 22.1659% | 158 |
| Retained earnings to average equity (ytd only) | 5.1367% | 1,748 |
| Net charge-offs to loans | 0.0415% | 6,694 |
| Credit loss provision to net charge-offs | 823.6842% | 355 |
| Earnings coverage of net charge-offs (x) | 85.6316% | 319 |
| Efficiency ratio | 48.3984% | 7,618 |
| Assets per employee ($millions) | 8.4166% | 423 |
| Cash dividends to net income (ytd only)* | 76.8261% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 4,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 63.1192% | 4,782 |
| Net loans and leases to deposits | 70.1995% | 5,579 |
| Net loans and leases to core deposits | 95.8166% | 4,485 |
| Total domestic deposits to total assets | 89.9141% | 1,004 |
| Equity capital to assets | 9.9888% | 3,782 |
| Core capital (leverage) ratio | 9.6801% | 3,485 |
| Tier 1 risk-based capital ratio | 14.6890% | 3,107 |
| Total risk-based capital ratio | 15.9405% | 3,066 |
| Memoranda: | ||
| Average total assets | $135,770,800 | 4,218 |
| Average earning assets | $130,578,000 | 4,078 |
| Average equity | $13,958,400 | 4,263 |
| Average total loans | $91,489,400 | 4,175 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1261% | 1,562 |
| Cost of funding earning assets | 1.6637% | 5,092 |
| Net interest margin | 4.4624% | 1,284 |
| Noninterest income to average assets | 0.4126% | 5,195 |
| Noninterest expense to average assets | 2.2390% | 6,878 |
| Loan and lease loss provision to assets | 0.2023% | 5,368 |
| Net operating income to assets | 2.2653% | 160 |
| Return on assets (ROA) | 2.3038% | 163 |
| Pretax return on assets | 2.3038% | 287 |
| Return on Equity (ROE) | 22.2270% | 198 |
| Retained earnings to average equity (ytd only) | 11.9428% | 347 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5720% | 7,681 |
| Assets per employee ($millions) | 7.8267% | 552 |
| Cash dividends to net income (ytd only)* | 46.2687% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 3,987 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 65.3499% | 4,567 |
| Net loans and leases to deposits | 73.4710% | 5,451 |
| Net loans and leases to core deposits | 100.6912% | 4,293 |
| Total domestic deposits to total assets | 88.9466% | 1,219 |
| Equity capital to assets | 10.8269% | 3,186 |
| Core capital (leverage) ratio | 10.0530% | 3,231 |
| Tier 1 risk-based capital ratio | 15.6238% | 2,762 |
| Total risk-based capital ratio | 16.8761% | 2,702 |
| Memoranda: | ||
| Average total assets | $131,838,750 | 4,328 |
| Average earning assets | $126,864,000 | 4,188 |
| Average equity | $13,664,750 | 4,369 |
| Average total loans | $90,111,250 | 4,242 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1187% | 1,730 |
| Cost of funding earning assets | 1.7399% | 5,065 |
| Net interest margin | 4.3788% | 1,455 |
| Noninterest income to average assets | 0.4099% | 5,197 |
| Noninterest expense to average assets | 2.2573% | 6,899 |
| Loan and lease loss provision to assets | 0.1941% | 5,113 |
| Net operating income to assets | 2.1859% | 201 |
| Return on assets (ROA) | 2.2449% | 197 |
| Pretax return on assets | 2.2449% | 325 |
| Return on Equity (ROE) | 22.0170% | 236 |
| Retained earnings to average equity (ytd only) | 8.1003% | 1,178 |
| Net charge-offs to loans | 0.0067% | 6,504 |
| Credit loss provision to net charge-offs | 4,166.6667% | 121 |
| Earnings coverage of net charge-offs (x) | 511.0000% | 59 |
| Efficiency ratio | 48.6776% | 7,732 |
| Assets per employee ($millions) | 7.7984% | 540 |
| Cash dividends to net income (ytd only)* | 63.2089% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 4,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 69.0389% | 3,937 |
| Net loans and leases to deposits | 77.3496% | 4,964 |
| Net loans and leases to core deposits | 106.8966% | 3,731 |
| Total domestic deposits to total assets | 89.2557% | 1,142 |
| Equity capital to assets | 10.5255% | 3,372 |
| Core capital (leverage) ratio | 9.7197% | 3,607 |
| Tier 1 risk-based capital ratio | 14.7387% | 3,128 |
| Total risk-based capital ratio | 15.9904% | 3,062 |
| Memoranda: | ||
| Average total assets | $128,825,000 | 4,419 |
| Average earning assets | $124,373,330 | 4,258 |
| Average equity | $13,135,330 | 4,511 |
| Average total loans | $89,026,330 | 4,302 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0570% | 2,123 |
| Cost of funding earning assets | 1.8354% | 4,940 |
| Net interest margin | 4.2216% | 1,832 |
| Noninterest income to average assets | 0.3876% | 5,320 |
| Noninterest expense to average assets | 2.2150% | 6,824 |
| Loan and lease loss provision to assets | 0.1954% | 4,487 |
| Net operating income to assets | 2.0575% | 318 |
| Return on assets (ROA) | 2.0575% | 360 |
| Pretax return on assets | 2.0575% | 594 |
| Return on Equity (ROE) | 20.5249% | 388 |
| Retained earnings to average equity (ytd only) | -7.7636% | 6,889 |
| Net charge-offs to loans | 0.0046% | 5,643 |
| Credit loss provision to net charge-offs | 6,200.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 715.0000% | 26 |
| Efficiency ratio | 49.5769% | 7,615 |
| Assets per employee ($millions) | 7.3854% | 655 |
| Cash dividends to net income (ytd only)* | 137.8254% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 3,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 65.4776% | 4,709 |
| Net loans and leases to deposits | 72.8554% | 5,637 |
| Net loans and leases to core deposits | 101.7642% | 4,372 |
| Total domestic deposits to total assets | 89.8734% | 854 |
| Equity capital to assets | 9.9558% | 4,047 |
| Core capital (leverage) ratio | 9.6389% | 3,834 |
| Tier 1 risk-based capital ratio | 14.4095% | 3,358 |
| Total risk-based capital ratio | 15.6605% | 3,284 |
| Memoranda: | ||
| Average total assets | $126,951,000 | 4,467 |
| Average earning assets | $122,701,000 | 4,312 |
| Average equity | $12,726,000 | 4,650 |
| Average total loans | $87,164,500 | 4,384 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6717% | 2,142 |
| Cost of funding earning assets | 2.4972% | 4,221 |
| Net interest margin | 4.1745% | 2,419 |
| Noninterest income to average assets | 0.3649% | 5,796 |
| Noninterest expense to average assets | 2.2425% | 6,857 |
| Loan and lease loss provision to assets | 0.2027% | 4,864 |
| Net operating income to assets | 1.9322% | 410 |
| Return on assets (ROA) | 1.9754% | 355 |
| Pretax return on assets | 1.9754% | 649 |
| Return on Equity (ROE) | 20.7812% | 320 |
| Retained earnings to average equity (ytd only) | 20.7812% | 28 |
| Net charge-offs to loans | 0.0197% | 6,583 |
| Credit loss provision to net charge-offs | 1,437.5000% | 313 |
| Earnings coverage of net charge-offs (x) | 151.3750% | 302 |
| Efficiency ratio | 51.2284% | 7,570 |
| Assets per employee ($millions) | 7.1156% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 3,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 70.2881% | 3,953 |
| Net loans and leases to deposits | 78.2967% | 5,293 |
| Net loans and leases to core deposits | 107.3264% | 4,041 |
| Total domestic deposits to total assets | 89.7714% | 733 |
| Equity capital to assets | 10.0996% | 3,920 |
| Core capital (leverage) ratio | 9.4683% | 4,057 |
| Tier 1 risk-based capital ratio | 14.1299% | 3,484 |
| Total risk-based capital ratio | 15.3805% | 3,402 |
| Memoranda: | ||
| Average total assets | $113,446,200 | 4,682 |
| Average earning assets | $109,042,400 | 4,534 |
| Average equity | $10,783,800 | 5,188 |
| Average total loans | $81,341,200 | 4,482 |