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 | 3.7371% | 6,154 |
| Cost of funding earning assets | 0.1373% | 7,064 |
| Net interest margin | 3.5998% | 4,239 |
| Noninterest income to average assets | 0.8382% | 2,083 |
| Noninterest expense to average assets | 2.1846% | 5,984 |
| Loan and lease loss provision to assets | 0.1223% | 4,022 |
| Net operating income to assets | 1.4569% | 1,109 |
| Return on assets (ROA) | 1.4694% | 1,201 |
| Pretax return on assets | 1.9086% | 853 |
| Return on Equity (ROE) | 14.2646% | 1,051 |
| Retained earnings to average equity (ytd only) | 9.5266% | 1,053 |
| Net charge-offs to loans | 0.3759% | 2,595 |
| Credit loss provision to net charge-offs | 94.0000% | 3,176 |
| Earnings coverage of net charge-offs (x) | 15.4800% | 1,756 |
| Efficiency ratio | 51.9758% | 6,450 |
| Assets per employee ($millions) | 5.9533% | 1,277 |
| Cash dividends to net income (ytd only)* | 33.2154% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6789% | 3,216 |
| Loan loss allowance to noncurrent loans | 109.0747% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 5,383 |
| Noncurrent loans to loans | 1.5392% | 3,481 |
| Net loans and leases to total assets | 31.7373% | 6,758 |
| Net loans and leases to deposits | 35.8356% | 6,820 |
| Net loans and leases to core deposits | 36.8082% | 6,838 |
| Total domestic deposits to total assets | 88.5636% | 1,685 |
| Equity capital to assets | 9.7814% | 4,810 |
| Core capital (leverage) ratio | 7.6736% | 6,539 |
| Tier 1 risk-based capital ratio | 15.5808% | 3,489 |
| Total risk-based capital ratio | 16.8420% | 3,453 |
| Memoranda: | ||
| Average total assets | $204,888,250 | 3,020 |
| Average earning assets | $191,303,000 | 2,973 |
| Average equity | $21,105,250 | 3,110 |
| Average total loans | $70,948,000 | 4,367 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 5,957 |
| Cost of funding earning assets | 0.1520% | 7,114 |
| Net interest margin | 3.7280% | 3,692 |
| Noninterest income to average assets | 0.8434% | 1,992 |
| Noninterest expense to average assets | 2.2328% | 5,919 |
| Loan and lease loss provision to assets | 0.1153% | 4,084 |
| Net operating income to assets | 1.5075% | 980 |
| Return on assets (ROA) | 1.5270% | 1,069 |
| Pretax return on assets | 1.9922% | 706 |
| Return on Equity (ROE) | 14.5442% | 1,005 |
| Retained earnings to average equity (ytd only) | 10.2098% | 917 |
| Net charge-offs to loans | 0.3160% | 2,765 |
| Credit loss provision to net charge-offs | 102.7027% | 2,652 |
| Earnings coverage of net charge-offs (x) | 18.5495% | 1,479 |
| Efficiency ratio | 51.6757% | 6,527 |
| Assets per employee ($millions) | 5.2135% | 1,913 |
| Cash dividends to net income (ytd only)* | 29.8013% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7164% | 3,155 |
| Loan loss allowance to noncurrent loans | 104.7257% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 5,279 |
| Noncurrent loans to loans | 1.6389% | 3,453 |
| Net loans and leases to total assets | 35.8698% | 6,614 |
| Net loans and leases to deposits | 41.6203% | 6,673 |
| Net loans and leases to core deposits | 43.1341% | 6,690 |
| Total domestic deposits to total assets | 86.1832% | 3,264 |
| Equity capital to assets | 10.8236% | 3,316 |
| Core capital (leverage) ratio | 7.5847% | 6,575 |
| Tier 1 risk-based capital ratio | 16.2135% | 3,056 |
| Total risk-based capital ratio | 17.4761% | 3,016 |
| Memoranda: | ||
| Average total assets | $197,775,670 | 3,109 |
| Average earning assets | $184,171,670 | 3,070 |
| Average equity | $20,764,330 | 3,131 |
| Average total loans | $70,256,000 | 4,409 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8819% | 6,062 |
| Cost of funding earning assets | 0.1608% | 7,167 |
| Net interest margin | 3.7210% | 3,732 |
| Noninterest income to average assets | 0.8239% | 2,051 |
| Noninterest expense to average assets | 2.2125% | 6,010 |
| Loan and lease loss provision to assets | 0.1012% | 4,072 |
| Net operating income to assets | 1.5060% | 1,009 |
| Return on assets (ROA) | 1.5060% | 1,130 |
| Pretax return on assets | 1.9756% | 768 |
| Return on Equity (ROE) | 14.5704% | 1,065 |
| Retained earnings to average equity (ytd only) | 10.6536% | 1,127 |
| Net charge-offs to loans | 0.4680% | 1,914 |
| Credit loss provision to net charge-offs | 61.7284% | 3,079 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 1,584 |
| Efficiency ratio | 51.4394% | 6,586 |
| Assets per employee ($millions) | 5.7193% | 1,505 |
| Cash dividends to net income (ytd only)* | 26.8817% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7323% | 3,218 |
| Loan loss allowance to noncurrent loans | 72.4490% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.8091% | 4,925 |
| Noncurrent loans to loans | 2.3910% | 2,714 |
| Net loans and leases to total assets | 33.2547% | 6,772 |
| Net loans and leases to deposits | 37.6252% | 6,837 |
| Net loans and leases to core deposits | 39.0394% | 6,846 |
| Total domestic deposits to total assets | 88.3839% | 2,080 |
| Equity capital to assets | 10.0274% | 4,091 |
| Core capital (leverage) ratio | 7.3550% | 6,710 |
| Tier 1 risk-based capital ratio | 16.0723% | 3,138 |
| Total risk-based capital ratio | 17.3338% | 3,096 |
| Memoranda: | ||
| Average total assets | $197,606,500 | 3,137 |
| Average earning assets | $184,034,500 | 3,094 |
| Average equity | $20,425,000 | 3,174 |
| Average total loans | $69,232,000 | 4,471 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 5,855 |
| Cost of funding earning assets | 0.2113% | 7,226 |
| Net interest margin | 4.0577% | 2,606 |
| Noninterest income to average assets | 0.9201% | 1,604 |
| Noninterest expense to average assets | 2.3855% | 5,808 |
| Loan and lease loss provision to assets | 0.1166% | 5,143 |
| Net operating income to assets | 1.6395% | 621 |
| Return on assets (ROA) | 1.6453% | 652 |
| Pretax return on assets | 2.2006% | 371 |
| Return on Equity (ROE) | 15.7399% | 644 |
| Retained earnings to average equity (ytd only) | 9.0997% | 775 |
| Net charge-offs to loans | 0.2220% | 4,394 |
| Credit loss provision to net charge-offs | 135.4839% | 2,214 |
| Earnings coverage of net charge-offs (x) | 26.8323% | 927 |
| Efficiency ratio | 50.3016% | 6,814 |
| Assets per employee ($millions) | 4.8543% | 2,374 |
| Cash dividends to net income (ytd only)* | 42.1870% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7998% | 2,875 |
| Loan loss allowance to noncurrent loans | 320.7254% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 6,449 |
| Noncurrent loans to loans | 0.5612% | 5,597 |
| Net loans and leases to total assets | 35.6804% | 6,784 |
| Net loans and leases to deposits | 41.0276% | 6,829 |
| Net loans and leases to core deposits | 42.4957% | 6,870 |
| Total domestic deposits to total assets | 86.9668% | 2,784 |
| Equity capital to assets | 10.6720% | 3,343 |
| Core capital (leverage) ratio | 7.2189% | 6,782 |
| Tier 1 risk-based capital ratio | 16.0340% | 3,027 |
| Total risk-based capital ratio | 17.2953% | 2,976 |
| Memoranda: | ||
| Average total assets | $180,090,200 | 3,333 |
| Average earning assets | $167,531,800 | 3,288 |
| Average equity | $18,824,800 | 3,307 |
| Average total loans | $69,815,600 | 4,499 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3328% | 5,840 |
| Cost of funding earning assets | 0.2193% | 7,310 |
| Net interest margin | 4.1135% | 2,420 |
| Noninterest income to average assets | 0.9209% | 1,575 |
| Noninterest expense to average assets | 2.4104% | 5,740 |
| Loan and lease loss provision to assets | 0.0600% | 5,691 |
| Net operating income to assets | 1.6912% | 645 |
| Return on assets (ROA) | 1.6912% | 709 |
| Pretax return on assets | 2.2769% | 372 |
| Return on Equity (ROE) | 16.2694% | 642 |
| Retained earnings to average equity (ytd only) | 9.7761% | 913 |
| Net charge-offs to loans | -0.0533% | 7,060 |
| Credit loss provision to net charge-offs | -285.7143% | 6,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2528% | 6,814 |
| Assets per employee ($millions) | 4.7526% | 2,556 |
| Cash dividends to net income (ytd only)* | 39.9113% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8676% | 2,722 |
| Loan loss allowance to noncurrent loans | 1,217.9245% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 6,892 |
| Noncurrent loans to loans | 0.1533% | 6,567 |
| Net loans and leases to total assets | 39.6472% | 6,664 |
| Net loans and leases to deposits | 46.4757% | 6,722 |
| Net loans and leases to core deposits | 47.5504% | 6,779 |
| Total domestic deposits to total assets | 85.3075% | 3,614 |
| Equity capital to assets | 11.6071% | 2,581 |
| Core capital (leverage) ratio | 7.9040% | 6,481 |
| Tier 1 risk-based capital ratio | 15.7631% | 3,242 |
| Total risk-based capital ratio | 17.0275% | 3,194 |
| Memoranda: | ||
| Average total assets | $177,783,500 | 3,385 |
| Average earning assets | $165,369,750 | 3,331 |
| Average equity | $18,480,000 | 3,357 |
| Average total loans | $70,072,750 | 4,524 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 6,093 |
| Cost of funding earning assets | 0.2265% | 7,391 |
| Net interest margin | 4.0487% | 2,620 |
| Noninterest income to average assets | 0.8955% | 1,659 |
| Noninterest expense to average assets | 2.3654% | 5,943 |
| Loan and lease loss provision to assets | 0.0889% | 5,205 |
| Net operating income to assets | 1.6465% | 672 |
| Return on assets (ROA) | 1.6465% | 715 |
| Pretax return on assets | 2.2154% | 400 |
| Return on Equity (ROE) | 16.4481% | 616 |
| Retained earnings to average equity (ytd only) | 10.8988% | 685 |
| Net charge-offs to loans | -0.0710% | 7,098 |
| Credit loss provision to net charge-offs | -320.0000% | 6,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1071% | 6,932 |
| Assets per employee ($millions) | 5.3562% | 1,705 |
| Cash dividends to net income (ytd only)* | 33.7382% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8821% | 2,723 |
| Loan loss allowance to noncurrent loans | 1,138.9381% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 6,946 |
| Noncurrent loans to loans | 0.1653% | 6,568 |
| Net loans and leases to total assets | 35.7890% | 6,972 |
| Net loans and leases to deposits | 41.6846% | 7,004 |
| Net loans and leases to core deposits | 42.4231% | 7,060 |
| Total domestic deposits to total assets | 85.8568% | 3,406 |
| Equity capital to assets | 10.1276% | 3,980 |
| Core capital (leverage) ratio | 6.8597% | 7,044 |
| Tier 1 risk-based capital ratio | 15.5479% | 3,217 |
| Total risk-based capital ratio | 16.8059% | 3,162 |
| Memoranda: | ||
| Average total assets | $180,013,330 | 3,370 |
| Average earning assets | $167,807,000 | 3,313 |
| Average equity | $18,020,330 | 3,410 |
| Average total loans | $70,388,670 | 4,562 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3325% | 5,909 |
| Cost of funding earning assets | 0.2507% | 7,436 |
| Net interest margin | 4.0818% | 2,340 |
| Noninterest income to average assets | 0.8872% | 1,703 |
| Noninterest expense to average assets | 2.4506% | 5,738 |
| Loan and lease loss provision to assets | 0.0908% | 4,878 |
| Net operating income to assets | 1.6087% | 678 |
| Return on assets (ROA) | 1.6087% | 721 |
| Pretax return on assets | 2.1510% | 427 |
| Return on Equity (ROE) | 16.1711% | 659 |
| Retained earnings to average equity (ytd only) | 10.4690% | 1,000 |
| Net charge-offs to loans | -0.1961% | 7,253 |
| Credit loss provision to net charge-offs | -114.2857% | 5,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6441% | 6,882 |
| Assets per employee ($millions) | 5.5482% | 1,529 |
| Cash dividends to net income (ytd only)* | 35.2609% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7602% | 3,134 |
| Loan loss allowance to noncurrent loans | 1,233.3333% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 7,027 |
| Noncurrent loans to loans | 0.1427% | 6,690 |
| Net loans and leases to total assets | 37.2194% | 6,946 |
| Net loans and leases to deposits | 42.1775% | 7,017 |
| Net loans and leases to core deposits | 42.8337% | 7,081 |
| Total domestic deposits to total assets | 88.2447% | 2,227 |
| Equity capital to assets | 9.4880% | 4,454 |
| Core capital (leverage) ratio | 7.0701% | 6,974 |
| Tier 1 risk-based capital ratio | 14.5174% | 3,726 |
| Total risk-based capital ratio | 15.7754% | 3,685 |
| Memoranda: | ||
| Average total assets | $176,286,000 | 3,445 |
| Average earning assets | $164,339,500 | 3,383 |
| Average equity | $17,537,500 | 3,480 |
| Average total loans | $71,393,000 | 4,564 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7274% | 5,699 |
| Cost of funding earning assets | 0.3519% | 7,468 |
| Net interest margin | 4.3755% | 1,572 |
| Noninterest income to average assets | 1.0276% | 1,422 |
| Noninterest expense to average assets | 2.5252% | 5,701 |
| Loan and lease loss provision to assets | 0.2351% | 4,930 |
| Net operating income to assets | 1.6993% | 517 |
| Return on assets (ROA) | 1.7034% | 554 |
| Pretax return on assets | 2.2889% | 255 |
| Return on Equity (ROE) | 15.1572% | 695 |
| Retained earnings to average equity (ytd only) | -5.0931% | 6,308 |
| Net charge-offs to loans | 0.2426% | 4,830 |
| Credit loss provision to net charge-offs | 225.7485% | 1,314 |
| Earnings coverage of net charge-offs (x) | 24.1856% | 874 |
| Efficiency ratio | 49.2150% | 7,189 |
| Assets per employee ($millions) | 4.6838% | 2,578 |
| Cash dividends to net income (ytd only)* | 133.6018% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6588% | 3,362 |
| Loan loss allowance to noncurrent loans | 1,056.2500% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 7,056 |
| Noncurrent loans to loans | 0.1570% | 6,752 |
| Net loans and leases to total assets | 42.7825% | 6,806 |
| Net loans and leases to deposits | 49.3686% | 6,884 |
| Net loans and leases to core deposits | 50.6331% | 6,957 |
| Total domestic deposits to total assets | 86.6593% | 3,000 |
| Equity capital to assets | 10.4780% | 3,174 |
| Core capital (leverage) ratio | 7.2501% | 6,882 |
| Tier 1 risk-based capital ratio | 14.0861% | 3,818 |
| Total risk-based capital ratio | 15.3422% | 3,780 |
| Memoranda: | ||
| Average total assets | $160,381,200 | 3,688 |
| Average earning assets | $147,205,800 | 3,683 |
| Average equity | $18,024,400 | 3,421 |
| Average total loans | $68,850,600 | 4,724 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7366% | 5,897 |
| Cost of funding earning assets | 0.3607% | 7,600 |
| Net interest margin | 4.3759% | 1,596 |
| Noninterest income to average assets | 1.0341% | 1,354 |
| Noninterest expense to average assets | 2.5045% | 5,708 |
| Loan and lease loss provision to assets | 0.2257% | 4,811 |
| Net operating income to assets | 1.7154% | 607 |
| Return on assets (ROA) | 1.7154% | 662 |
| Pretax return on assets | 2.3098% | 328 |
| Return on Equity (ROE) | 15.0027% | 853 |
| Retained earnings to average equity (ytd only) | -6.2000% | 6,653 |
| Net charge-offs to loans | 0.2345% | 4,538 |
| Credit loss provision to net charge-offs | 225.0000% | 1,531 |
| Earnings coverage of net charge-offs (x) | 25.2744% | 1,000 |
| Efficiency ratio | 48.8307% | 7,223 |
| Assets per employee ($millions) | 4.6761% | 2,637 |
| Cash dividends to net income (ytd only)* | 141.3256% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 3,625 |
| Loan loss allowance to noncurrent loans | 994.6903% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 7,155 |
| Noncurrent loans to loans | 0.1586% | 6,861 |
| Net loans and leases to total assets | 45.4375% | 6,748 |
| Net loans and leases to deposits | 54.2921% | 6,753 |
| Net loans and leases to core deposits | 55.3831% | 6,892 |
| Total domestic deposits to total assets | 83.6907% | 4,276 |
| Equity capital to assets | 11.7801% | 2,303 |
| Core capital (leverage) ratio | 8.1133% | 6,180 |
| Tier 1 risk-based capital ratio | 14.2312% | 3,679 |
| Total risk-based capital ratio | 15.4926% | 3,629 |
| Memoranda: | ||
| Average total assets | $159,493,000 | 3,766 |
| Average earning assets | $146,008,500 | 3,750 |
| Average equity | $18,236,250 | 3,435 |
| Average total loans | $68,233,750 | 4,817 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6481% | 6,319 |
| Cost of funding earning assets | 0.3540% | 7,687 |
| Net interest margin | 4.2941% | 1,801 |
| Noninterest income to average assets | 1.0024% | 1,375 |
| Noninterest expense to average assets | 2.4637% | 5,868 |
| Loan and lease loss provision to assets | 0.2084% | 4,792 |
| Net operating income to assets | 1.6760% | 609 |
| Return on assets (ROA) | 1.6760% | 655 |
| Pretax return on assets | 2.2578% | 366 |
| Return on Equity (ROE) | 14.8009% | 889 |
| Retained earnings to average equity (ytd only) | -8.2057% | 6,827 |
| Net charge-offs to loans | 0.2618% | 4,032 |
| Credit loss provision to net charge-offs | 190.9091% | 2,066 |
| Earnings coverage of net charge-offs (x) | 22.5909% | 1,127 |
| Efficiency ratio | 49.0689% | 7,281 |
| Assets per employee ($millions) | 4.4596% | 2,945 |
| Cash dividends to net income (ytd only)* | 155.4404% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 4,025 |
| Loan loss allowance to noncurrent loans | 835.7143% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 7,178 |
| Noncurrent loans to loans | 0.1768% | 6,898 |
| Net loans and leases to total assets | 47.7046% | 6,641 |
| Net loans and leases to deposits | 56.3696% | 6,694 |
| Net loans and leases to core deposits | 58.0274% | 6,826 |
| Total domestic deposits to total assets | 84.6282% | 3,805 |
| Equity capital to assets | 12.1258% | 2,024 |
| Core capital (leverage) ratio | 7.5805% | 6,753 |
| Tier 1 risk-based capital ratio | 14.4583% | 3,470 |
| Total risk-based capital ratio | 15.6977% | 3,439 |
| Memoranda: | ||
| Average total assets | $161,220,330 | 3,761 |
| Average earning assets | $147,458,000 | 3,754 |
| Average equity | $18,255,670 | 3,423 |
| Average total loans | $67,232,000 | 4,891 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 6,981 |
| Cost of funding earning assets | 0.3348% | 7,803 |
| Net interest margin | 4.0768% | 2,542 |
| Noninterest income to average assets | 0.9272% | 1,521 |
| Noninterest expense to average assets | 2.3988% | 6,090 |
| Loan and lease loss provision to assets | 0.1474% | 5,072 |
| Net operating income to assets | 1.5715% | 791 |
| Return on assets (ROA) | 1.5715% | 846 |
| Pretax return on assets | 2.1159% | 487 |
| Return on Equity (ROE) | 14.3221% | 991 |
| Retained earnings to average equity (ytd only) | -9.5119% | 6,930 |
| Net charge-offs to loans | 0.1349% | 4,137 |
| Credit loss provision to net charge-offs | 281.8182% | 1,402 |
| Earnings coverage of net charge-offs (x) | 43.2727% | 640 |
| Efficiency ratio | 50.4844% | 7,278 |
| Assets per employee ($millions) | 5.1334% | 2,050 |
| Cash dividends to net income (ytd only)* | 166.4145% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 3,816 |
| Loan loss allowance to noncurrent loans | 522.1649% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 7,190 |
| Noncurrent loans to loans | 0.2909% | 6,746 |
| Net loans and leases to total assets | 38.7638% | 7,318 |
| Net loans and leases to deposits | 44.6223% | 7,379 |
| Net loans and leases to core deposits | 45.7409% | 7,439 |
| Total domestic deposits to total assets | 86.8710% | 2,694 |
| Equity capital to assets | 10.7495% | 3,005 |
| Core capital (leverage) ratio | 7.3177% | 7,008 |
| Tier 1 risk-based capital ratio | 15.2575% | 2,981 |
| Total risk-based capital ratio | 16.5107% | 2,942 |
| Memoranda: | ||
| Average total assets | $168,247,500 | 3,689 |
| Average earning assets | $154,142,000 | 3,689 |
| Average equity | $18,461,000 | 3,407 |
| Average total loans | $65,219,000 | 5,033 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 6,177 |
| Cost of funding earning assets | 0.4693% | 7,852 |
| Net interest margin | 4.6049% | 973 |
| Noninterest income to average assets | 1.0619% | 1,368 |
| Noninterest expense to average assets | 2.7492% | 5,168 |
| Loan and lease loss provision to assets | 0.1509% | 6,157 |
| Net operating income to assets | 1.7064% | 429 |
| Return on assets (ROA) | 1.7064% | 461 |
| Pretax return on assets | 2.3379% | 207 |
| Return on Equity (ROE) | 13.8233% | 815 |
| Retained earnings to average equity (ytd only) | 4.3232% | 2,207 |
| Net charge-offs to loans | 0.1129% | 6,032 |
| Credit loss provision to net charge-offs | 321.7391% | 1,012 |
| Earnings coverage of net charge-offs (x) | 53.0580% | 492 |
| Efficiency ratio | 51.1486% | 7,456 |
| Assets per employee ($millions) | 5.0634% | 2,136 |
| Cash dividends to net income (ytd only)* | 68.7251% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 3,594 |
| Loan loss allowance to noncurrent loans | 412.2881% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 7,125 |
| Noncurrent loans to loans | 0.3701% | 6,538 |
| Net loans and leases to total assets | 37.5751% | 7,462 |
| Net loans and leases to deposits | 43.6140% | 7,527 |
| Net loans and leases to core deposits | 47.2796% | 7,644 |
| Total domestic deposits to total assets | 86.1537% | 2,930 |
| Equity capital to assets | 11.1986% | 2,534 |
| Core capital (leverage) ratio | 8.8108% | 4,753 |
| Tier 1 risk-based capital ratio | 17.0437% | 2,138 |
| Total risk-based capital ratio | 18.2963% | 2,100 |
| Memoranda: | ||
| Average total assets | $147,096,000 | 3,997 |
| Average earning assets | $133,401,200 | 4,023 |
| Average equity | $18,157,800 | 3,484 |
| Average total loans | $61,105,000 | 5,202 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2596% | 5,635 |
| Cost of funding earning assets | 0.5060% | 7,939 |
| Net interest margin | 4.7536% | 751 |
| Noninterest income to average assets | 1.0668% | 1,392 |
| Noninterest expense to average assets | 2.7792% | 4,979 |
| Loan and lease loss provision to assets | 0.1614% | 5,737 |
| Net operating income to assets | 1.7556% | 501 |
| Return on assets (ROA) | 1.7556% | 524 |
| Pretax return on assets | 2.4189% | 224 |
| Return on Equity (ROE) | 13.8441% | 962 |
| Retained earnings to average equity (ytd only) | 8.1097% | 1,105 |
| Net charge-offs to loans | 0.0706% | 5,987 |
| Credit loss provision to net charge-offs | 537.5000% | 730 |
| Earnings coverage of net charge-offs (x) | 85.9288% | 403 |
| Efficiency ratio | 50.4902% | 7,522 |
| Assets per employee ($millions) | 4.3068% | 3,199 |
| Cash dividends to net income (ytd only)* | 41.4219% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 3,171 |
| Loan loss allowance to noncurrent loans | 417.8261% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 7,116 |
| Noncurrent loans to loans | 0.3723% | 6,604 |
| Net loans and leases to total assets | 44.1248% | 7,237 |
| Net loans and leases to deposits | 53.0901% | 7,252 |
| Net loans and leases to core deposits | 58.1312% | 7,459 |
| Total domestic deposits to total assets | 83.1130% | 4,170 |
| Equity capital to assets | 13.9498% | 1,322 |
| Core capital (leverage) ratio | 9.8193% | 3,496 |
| Tier 1 risk-based capital ratio | 17.9802% | 1,994 |
| Total risk-based capital ratio | 19.2351% | 1,938 |
| Memoranda: | ||
| Average total assets | $142,097,000 | 4,094 |
| Average earning assets | $128,320,500 | 4,140 |
| Average equity | $18,019,250 | 3,538 |
| Average total loans | $60,441,750 | 5,265 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2304% | 5,955 |
| Cost of funding earning assets | 0.5355% | 8,028 |
| Net interest margin | 4.6950% | 805 |
| Noninterest income to average assets | 1.0159% | 1,540 |
| Noninterest expense to average assets | 2.8218% | 4,867 |
| Loan and lease loss provision to assets | 0.1003% | 6,169 |
| Net operating income to assets | 1.6666% | 598 |
| Return on assets (ROA) | 1.6666% | 660 |
| Pretax return on assets | 2.3090% | 294 |
| Return on Equity (ROE) | 13.5775% | 1,059 |
| Retained earnings to average equity (ytd only) | 9.3204% | 853 |
| Net charge-offs to loans | 0.0533% | 5,743 |
| Credit loss provision to net charge-offs | 450.0000% | 1,032 |
| Earnings coverage of net charge-offs (x) | 108.0625% | 355 |
| Efficiency ratio | 52.5306% | 7,474 |
| Assets per employee ($millions) | 4.0546% | 3,583 |
| Cash dividends to net income (ytd only)* | 31.3545% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 3,564 |
| Loan loss allowance to noncurrent loans | 368.4874% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 6,939 |
| Noncurrent loans to loans | 0.3883% | 6,537 |
| Net loans and leases to total assets | 45.1510% | 7,252 |
| Net loans and leases to deposits | 54.3067% | 7,253 |
| Net loans and leases to core deposits | 60.1053% | 7,448 |
| Total domestic deposits to total assets | 83.1408% | 4,173 |
| Equity capital to assets | 13.5962% | 1,464 |
| Core capital (leverage) ratio | 9.4918% | 3,898 |
| Tier 1 risk-based capital ratio | 17.5389% | 2,134 |
| Total risk-based capital ratio | 18.7951% | 2,093 |
| Memoranda: | ||
| Average total assets | $143,524,000 | 4,107 |
| Average earning assets | $128,861,000 | 4,162 |
| Average equity | $17,617,330 | 3,596 |
| Average total loans | $59,998,330 | 5,335 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0303% | 6,859 |
| Cost of funding earning assets | 0.5723% | 8,068 |
| Net interest margin | 4.4580% | 1,213 |
| Noninterest income to average assets | 0.9489% | 1,645 |
| Noninterest expense to average assets | 2.6391% | 5,274 |
| Loan and lease loss provision to assets | 0.0970% | 5,720 |
| Net operating income to assets | 1.5608% | 840 |
| Return on assets (ROA) | 1.5608% | 919 |
| Pretax return on assets | 2.2024% | 442 |
| Return on Equity (ROE) | 13.3641% | 1,300 |
| Retained earnings to average equity (ytd only) | 4.7086% | 3,297 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9105% | 7,432 |
| Assets per employee ($millions) | 4.3558% | 2,967 |
| Cash dividends to net income (ytd only)* | 64.7668% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 3,420 |
| Loan loss allowance to noncurrent loans | 361.1814% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 6,901 |
| Noncurrent loans to loans | 0.3917% | 6,440 |
| Net loans and leases to total assets | 41.4969% | 7,496 |
| Net loans and leases to deposits | 49.5703% | 7,517 |
| Net loans and leases to core deposits | 54.1442% | 7,674 |
| Total domestic deposits to total assets | 83.7131% | 3,837 |
| Equity capital to assets | 12.1844% | 2,148 |
| Core capital (leverage) ratio | 8.5708% | 5,392 |
| Tier 1 risk-based capital ratio | 15.7394% | 2,774 |
| Total risk-based capital ratio | 16.8998% | 2,737 |
| Memoranda: | ||
| Average total assets | $148,385,000 | 4,036 |
| Average earning assets | $132,795,000 | 4,092 |
| Average equity | $17,330,000 | 3,668 |
| Average total loans | $59,352,500 | 5,385 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3630% | 7,518 |
| Cost of funding earning assets | 0.9505% | 8,076 |
| Net interest margin | 4.4125% | 1,653 |
| Noninterest income to average assets | 0.9997% | 1,582 |
| Noninterest expense to average assets | 2.5356% | 5,870 |
| Loan and lease loss provision to assets | 0.0916% | 6,226 |
| Net operating income to assets | 1.5967% | 840 |
| Return on assets (ROA) | 1.6128% | 774 |
| Pretax return on assets | 2.3443% | 274 |
| Return on Equity (ROE) | 14.6127% | 993 |
| Retained earnings to average equity (ytd only) | 3.8592% | 2,725 |
| Net charge-offs to loans | 0.0150% | 6,680 |
| Credit loss provision to net charge-offs | 1,712.5000% | 250 |
| Earnings coverage of net charge-offs (x) | 451.0000% | 113 |
| Efficiency ratio | 49.3784% | 7,703 |
| Assets per employee ($millions) | 4.5009% | 2,617 |
| Cash dividends to net income (ytd only)* | 73.5904% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 3,137 |
| Loan loss allowance to noncurrent loans | 305.2045% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 6,710 |
| Noncurrent loans to loans | 0.4622% | 5,961 |
| Net loans and leases to total assets | 37.4962% | 7,773 |
| Net loans and leases to deposits | 45.1342% | 7,815 |
| Net loans and leases to core deposits | 48.8228% | 7,908 |
| Total domestic deposits to total assets | 83.0771% | 3,732 |
| Equity capital to assets | 11.2044% | 2,883 |
| Core capital (leverage) ratio | 7.0068% | 7,691 |
| Tier 1 risk-based capital ratio | 15.7111% | 2,773 |
| Total risk-based capital ratio | 16.8454% | 2,740 |
| Memoranda: | ||
| Average total assets | $149,552,000 | 3,905 |
| Average earning assets | $133,823,200 | 3,974 |
| Average equity | $16,506,200 | 3,823 |
| Average total loans | $53,364,000 | 5,557 |