Home > First Financial Bank > Performance and Condition Ratios
First Financial Bank, Performance and Condition Ratios
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2464% | 6,635 |
| Cost of funding earning assets | 0.2004% | 6,836 |
| Net interest margin | 3.0460% | 5,935 |
| Noninterest income to average assets | 0.5181% | 3,782 |
| Noninterest expense to average assets | 3.2034% | 2,602 |
| Loan and lease loss provision to assets | 0.0126% | 5,753 |
| Net operating income to assets | 0.1832% | 5,822 |
| Return on assets (ROA) | 0.1832% | 5,989 |
| Pretax return on assets | 0.1832% | 6,015 |
| Return on Equity (ROE) | 1.3816% | 6,046 |
| Retained earnings to average equity (ytd only) | 0.8099% | 5,459 |
| Net charge-offs to loans | -0.1362% | 6,889 |
| Credit loss provision to net charge-offs | -33.3333% | 6,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2379% | 788 |
| Assets per employee ($millions) | 3.2764% | 5,464 |
| Cash dividends to net income (ytd only)* | 41.3793% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6990% | 920 |
| Loan loss allowance to noncurrent loans | 156.0000% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 4,289 |
| Noncurrent loans to loans | 1.7301% | 3,017 |
| Net loans and leases to total assets | 25.7478% | 6,814 |
| Net loans and leases to deposits | 29.5772% | 6,840 |
| Net loans and leases to core deposits | 29.5772% | 6,855 |
| Total domestic deposits to total assets | 87.0529% | 2,815 |
| Equity capital to assets | 12.8983% | 1,493 |
| Core capital (leverage) ratio | 11.4747% | 1,896 |
| Tier 1 risk-based capital ratio | 33.1934% | 396 |
| Total risk-based capital ratio | 34.4532% | 388 |
| Memoranda: | ||
| Average total assets | $15,826,800 | 7,014 |
| Average earning assets | $14,970,400 | 6,991 |
| Average equity | $2,099,000 | 6,936 |
| Average total loans | $4,404,600 | 7,015 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3010% | 6,727 |
| Cost of funding earning assets | 0.2063% | 6,935 |
| Net interest margin | 3.0947% | 5,952 |
| Noninterest income to average assets | 0.5439% | 3,648 |
| Noninterest expense to average assets | 3.2381% | 2,455 |
| Loan and lease loss provision to assets | 0.0170% | 5,593 |
| Net operating income to assets | 0.2210% | 5,863 |
| Return on assets (ROA) | 0.2210% | 6,037 |
| Pretax return on assets | 0.2210% | 6,087 |
| Return on Equity (ROE) | 1.6545% | 6,112 |
| Retained earnings to average equity (ytd only) | 0.8270% | 5,835 |
| Net charge-offs to loans | -0.1205% | 6,899 |
| Credit loss provision to net charge-offs | -50.0000% | 6,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1540% | 825 |
| Assets per employee ($millions) | 3.1258% | 5,794 |
| Cash dividends to net income (ytd only)* | 49.9856% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5607% | 1,129 |
| Loan loss allowance to noncurrent loans | 5,750.0000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 5,527 |
| Noncurrent loans to loans | 0.0445% | 6,505 |
| Net loans and leases to total assets | 27.9992% | 6,877 |
| Net loans and leases to deposits | 32.4942% | 6,902 |
| Net loans and leases to core deposits | 32.4942% | 6,926 |
| Total domestic deposits to total assets | 86.1667% | 3,163 |
| Equity capital to assets | 13.6797% | 1,279 |
| Core capital (leverage) ratio | 12.2477% | 1,516 |
| Tier 1 risk-based capital ratio | 32.3479% | 429 |
| Total risk-based capital ratio | 33.6124% | 420 |
| Memoranda: | ||
| Average total assets | $15,688,000 | 7,106 |
| Average earning assets | $14,863,750 | 7,088 |
| Average equity | $2,095,500 | 7,028 |
| Average total loans | $4,422,000 | 7,110 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3206% | 6,802 |
| Cost of funding earning assets | 0.2151% | 6,996 |
| Net interest margin | 3.1055% | 5,988 |
| Noninterest income to average assets | 0.5730% | 3,425 |
| Noninterest expense to average assets | 3.2468% | 2,448 |
| Loan and lease loss provision to assets | 0.0127% | 5,505 |
| Net operating income to assets | 0.2547% | 5,753 |
| Return on assets (ROA) | 0.2547% | 5,941 |
| Pretax return on assets | 0.2547% | 6,048 |
| Return on Equity (ROE) | 1.9218% | 6,064 |
| Retained earnings to average equity (ytd only) | 1.0570% | 5,652 |
| Net charge-offs to loans | -0.2273% | 7,024 |
| Credit loss provision to net charge-offs | -20.0000% | 5,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3913% | 904 |
| Assets per employee ($millions) | 3.1002% | 5,855 |
| Cash dividends to net income (ytd only)* | 45.0000% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5533% | 1,207 |
| Loan loss allowance to noncurrent loans | 73.7179% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.4515% | 3,534 |
| Noncurrent loans to loans | 3.4636% | 1,660 |
| Net loans and leases to total assets | 28.3143% | 6,924 |
| Net loans and leases to deposits | 32.8469% | 6,946 |
| Net loans and leases to core deposits | 32.8469% | 6,975 |
| Total domestic deposits to total assets | 86.2009% | 3,248 |
| Equity capital to assets | 13.7152% | 1,209 |
| Core capital (leverage) ratio | 12.1475% | 1,520 |
| Tier 1 risk-based capital ratio | 32.2806% | 426 |
| Total risk-based capital ratio | 33.5439% | 423 |
| Memoranda: | ||
| Average total assets | $15,707,670 | 7,168 |
| Average earning assets | $14,876,670 | 7,148 |
| Average equity | $2,081,330 | 7,081 |
| Average total loans | $4,399,000 | 7,168 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2869% | 6,898 |
| Cost of funding earning assets | 0.2405% | 7,032 |
| Net interest margin | 3.0464% | 6,194 |
| Noninterest income to average assets | 0.5566% | 3,526 |
| Noninterest expense to average assets | 3.1877% | 2,643 |
| Loan and lease loss provision to assets | 0.0253% | 5,032 |
| Net operating income to assets | 0.2277% | 5,892 |
| Return on assets (ROA) | 0.2277% | 6,038 |
| Pretax return on assets | 0.2277% | 6,138 |
| Return on Equity (ROE) | 1.7484% | 6,147 |
| Retained earnings to average equity (ytd only) | 1.7484% | 5,364 |
| Net charge-offs to loans | -0.2761% | 7,046 |
| Credit loss provision to net charge-offs | -33.3333% | 5,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6471% | 901 |
| Assets per employee ($millions) | 3.1054% | 5,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5173% | 1,328 |
| Loan loss allowance to noncurrent loans | 77.3973% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.3847% | 3,796 |
| Noncurrent loans to loans | 3.2524% | 1,970 |
| Net loans and leases to total assets | 28.1832% | 6,972 |
| Net loans and leases to deposits | 32.5644% | 6,994 |
| Net loans and leases to core deposits | 32.5644% | 7,024 |
| Total domestic deposits to total assets | 86.5460% | 3,215 |
| Equity capital to assets | 13.3767% | 1,287 |
| Core capital (leverage) ratio | 12.3271% | 1,423 |
| Tier 1 risk-based capital ratio | 32.9553% | 395 |
| Total risk-based capital ratio | 34.2114% | 388 |
| Memoranda: | ||
| Average total assets | $15,811,000 | 7,230 |
| Average earning assets | $14,968,500 | 7,207 |
| Average equity | $2,059,000 | 7,137 |
| Average total loans | $4,346,500 | 7,230 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3979% | 7,054 |
| Cost of funding earning assets | 0.3529% | 7,004 |
| Net interest margin | 3.0451% | 6,456 |
| Noninterest income to average assets | 0.5213% | 3,715 |
| Noninterest expense to average assets | 2.9790% | 3,670 |
| Loan and lease loss provision to assets | 0.0310% | 6,180 |
| Net operating income to assets | 0.4034% | 4,845 |
| Return on assets (ROA) | 0.4034% | 5,023 |
| Pretax return on assets | 0.4034% | 5,288 |
| Return on Equity (ROE) | 3.4752% | 5,085 |
| Retained earnings to average equity (ytd only) | 2.0317% | 4,766 |
| Net charge-offs to loans | 0.5397% | 2,853 |
| Credit loss provision to net charge-offs | 20.0000% | 5,919 |
| Earnings coverage of net charge-offs (x) | 2.8000% | 3,816 |
| Efficiency ratio | 87.2727% | 1,418 |
| Assets per employee ($millions) | 3.2190% | 5,672 |
| Cash dividends to net income (ytd only)* | 41.5385% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5928% | 1,205 |
| Loan loss allowance to noncurrent loans | 147.2973% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 5,817 |
| Noncurrent loans to loans | 1.7602% | 3,519 |
| Net loans and leases to total assets | 25.4427% | 7,130 |
| Net loans and leases to deposits | 29.1687% | 7,149 |
| Net loans and leases to core deposits | 29.1687% | 7,164 |
| Total domestic deposits to total assets | 87.2258% | 2,629 |
| Equity capital to assets | 12.6810% | 1,672 |
| Core capital (leverage) ratio | 11.6974% | 1,767 |
| Tier 1 risk-based capital ratio | 33.2508% | 383 |
| Total risk-based capital ratio | 34.5065% | 378 |
| Memoranda: | ||
| Average total assets | $16,112,600 | 7,270 |
| Average earning assets | $15,303,400 | 7,246 |
| Average equity | $1,870,400 | 7,228 |
| Average total loans | $4,632,600 | 7,276 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4658% | 7,099 |
| Cost of funding earning assets | 0.3744% | 7,074 |
| Net interest margin | 3.0914% | 6,399 |
| Noninterest income to average assets | 0.5294% | 3,655 |
| Noninterest expense to average assets | 2.9533% | 3,732 |
| Loan and lease loss provision to assets | 0.0331% | 6,026 |
| Net operating income to assets | 0.4798% | 4,634 |
| Return on assets (ROA) | 0.4798% | 4,832 |
| Pretax return on assets | 0.4798% | 5,224 |
| Return on Equity (ROE) | 4.2309% | 4,899 |
| Retained earnings to average equity (ytd only) | 2.4801% | 4,882 |
| Net charge-offs to loans | 0.1688% | 4,444 |
| Credit loss provision to net charge-offs | 66.6667% | 4,580 |
| Earnings coverage of net charge-offs (x) | 10.3325% | 1,938 |
| Efficiency ratio | 85.2029% | 1,614 |
| Assets per employee ($millions) | 3.1142% | 5,871 |
| Cash dividends to net income (ytd only)* | 41.3811% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7406% | 1,085 |
| Loan loss allowance to noncurrent loans | 54.7414% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 1.4899% | 3,882 |
| Noncurrent loans to loans | 5.0065% | 1,243 |
| Net loans and leases to total assets | 28.9448% | 7,121 |
| Net loans and leases to deposits | 33.3827% | 7,148 |
| Net loans and leases to core deposits | 33.3827% | 7,176 |
| Total domestic deposits to total assets | 86.7061% | 2,819 |
| Equity capital to assets | 13.0756% | 1,579 |
| Core capital (leverage) ratio | 11.9255% | 1,747 |
| Tier 1 risk-based capital ratio | 32.6147% | 431 |
| Total risk-based capital ratio | 33.8839% | 425 |
| Memoranda: | ||
| Average total assets | $16,117,000 | 7,346 |
| Average earning assets | $15,311,000 | 7,322 |
| Average equity | $1,827,750 | 7,310 |
| Average total loans | $4,739,750 | 7,346 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4549% | 7,185 |
| Cost of funding earning assets | 0.3867% | 7,159 |
| Net interest margin | 3.0682% | 6,472 |
| Noninterest income to average assets | 0.5031% | 3,838 |
| Noninterest expense to average assets | 2.9327% | 3,891 |
| Loan and lease loss provision to assets | 0.0368% | 5,855 |
| Net operating income to assets | 0.4540% | 4,700 |
| Return on assets (ROA) | 0.4540% | 4,838 |
| Pretax return on assets | 0.4540% | 5,212 |
| Return on Equity (ROE) | 4.2085% | 4,831 |
| Retained earnings to average equity (ytd only) | 2.3886% | 4,771 |
| Net charge-offs to loans | 0.4188% | 2,886 |
| Credit loss provision to net charge-offs | 30.0000% | 4,988 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,997 |
| Efficiency ratio | 85.6631% | 1,635 |
| Assets per employee ($millions) | 3.1818% | 5,674 |
| Cash dividends to net income (ytd only)* | 43.2432% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5946% | 1,319 |
| Loan loss allowance to noncurrent loans | 101.6667% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.7543% | 5,395 |
| Noncurrent loans to loans | 2.5521% | 2,828 |
| Net loans and leases to total assets | 28.7887% | 7,219 |
| Net loans and leases to deposits | 32.7260% | 7,260 |
| Net loans and leases to core deposits | 32.7260% | 7,286 |
| Total domestic deposits to total assets | 87.9691% | 2,157 |
| Equity capital to assets | 11.8612% | 2,201 |
| Core capital (leverage) ratio | 11.4112% | 1,965 |
| Tier 1 risk-based capital ratio | 31.6460% | 468 |
| Total risk-based capital ratio | 32.9030% | 460 |
| Memoranda: | ||
| Average total assets | $16,299,000 | 7,417 |
| Average earning assets | $15,514,000 | 7,390 |
| Average equity | $1,758,330 | 7,390 |
| Average total loans | $4,775,000 | 7,419 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5202% | 7,199 |
| Cost of funding earning assets | 0.4081% | 7,209 |
| Net interest margin | 3.1120% | 6,318 |
| Noninterest income to average assets | 0.5335% | 3,623 |
| Noninterest expense to average assets | 2.9829% | 3,715 |
| Loan and lease loss provision to assets | 0.0243% | 5,660 |
| Net operating income to assets | 0.4850% | 4,551 |
| Return on assets (ROA) | 0.4850% | 4,633 |
| Pretax return on assets | 0.4850% | 5,070 |
| Return on Equity (ROE) | 4.7226% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.7226% | 3,368 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4167% | 1,785 |
| Assets per employee ($millions) | 3.2904% | 5,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6799% | 1,228 |
| Loan loss allowance to noncurrent loans | 812.5000% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 6,919 |
| Noncurrent loans to loans | 0.3298% | 6,333 |
| Net loans and leases to total assets | 28.6956% | 7,274 |
| Net loans and leases to deposits | 32.1091% | 7,319 |
| Net loans and leases to core deposits | 32.1091% | 7,353 |
| Total domestic deposits to total assets | 89.3691% | 1,551 |
| Equity capital to assets | 10.4668% | 3,216 |
| Core capital (leverage) ratio | 11.2780% | 1,974 |
| Tier 1 risk-based capital ratio | 30.2028% | 514 |
| Total risk-based capital ratio | 31.4680% | 505 |
| Memoranda: | ||
| Average total assets | $16,494,000 | 7,473 |
| Average earning assets | $15,681,000 | 7,446 |
| Average equity | $1,694,000 | 7,450 |
| Average total loans | $4,811,500 | 7,476 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6781% | 7,317 |
| Cost of funding earning assets | 0.5617% | 7,203 |
| Net interest margin | 3.1163% | 6,474 |
| Noninterest income to average assets | 0.5081% | 4,109 |
| Noninterest expense to average assets | 3.2455% | 2,934 |
| Loan and lease loss provision to assets | -0.1270% | 7,610 |
| Net operating income to assets | 0.3493% | 4,741 |
| Return on assets (ROA) | 0.3493% | 4,906 |
| Pretax return on assets | 0.3493% | 5,083 |
| Return on Equity (ROE) | 3.0276% | 4,944 |
| Retained earnings to average equity (ytd only) | 1.7615% | 4,624 |
| Net charge-offs to loans | 0.1125% | 5,754 |
| Credit loss provision to net charge-offs | -333.3333% | 7,090 |
| Earnings coverage of net charge-offs (x) | 5.8333% | 2,522 |
| Efficiency ratio | 93.5897% | 1,083 |
| Assets per employee ($millions) | 2.7560% | 6,599 |
| Cash dividends to net income (ytd only)* | 41.8182% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7033% | 1,159 |
| Loan loss allowance to noncurrent loans | 758.8235% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 6,975 |
| Noncurrent loans to loans | 0.3562% | 6,347 |
| Net loans and leases to total assets | 28.0781% | 7,400 |
| Net loans and leases to deposits | 31.2744% | 7,441 |
| Net loans and leases to core deposits | 31.2744% | 7,458 |
| Total domestic deposits to total assets | 89.7799% | 1,217 |
| Equity capital to assets | 10.0750% | 3,648 |
| Core capital (leverage) ratio | 11.2221% | 1,995 |
| Tier 1 risk-based capital ratio | 30.3960% | 494 |
| Total risk-based capital ratio | 31.6502% | 486 |
| Memoranda: | ||
| Average total assets | $15,745,000 | 7,558 |
| Average earning assets | $14,953,400 | 7,527 |
| Average equity | $1,816,600 | 7,536 |
| Average total loans | $5,333,600 | 7,550 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8012% | 7,400 |
| Cost of funding earning assets | 0.5882% | 7,312 |
| Net interest margin | 3.2129% | 6,300 |
| Noninterest income to average assets | 0.4717% | 4,401 |
| Noninterest expense to average assets | 3.4389% | 2,186 |
| Loan and lease loss provision to assets | -0.1801% | 7,713 |
| Net operating income to assets | 0.2573% | 5,325 |
| Return on assets (ROA) | 0.2573% | 5,482 |
| Pretax return on assets | 0.2573% | 5,596 |
| Return on Equity (ROE) | 2.1572% | 5,549 |
| Retained earnings to average equity (ytd only) | 1.2226% | 5,325 |
| Net charge-offs to loans | -0.0731% | 7,510 |
| Credit loss provision to net charge-offs | 700.0000% | 424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8049% | 824 |
| Assets per employee ($millions) | 2.5445% | 7,018 |
| Cash dividends to net income (ytd only)* | 43.3250% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6761% | 1,106 |
| Loan loss allowance to noncurrent loans | 256.6038% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 6,515 |
| Noncurrent loans to loans | 1.0429% | 5,162 |
| Net loans and leases to total assets | 32.3967% | 7,396 |
| Net loans and leases to deposits | 37.1126% | 7,446 |
| Net loans and leases to core deposits | 37.1126% | 7,480 |
| Total domestic deposits to total assets | 87.2929% | 2,377 |
| Equity capital to assets | 12.4058% | 1,907 |
| Core capital (leverage) ratio | 11.8806% | 1,725 |
| Tier 1 risk-based capital ratio | 30.3791% | 496 |
| Total risk-based capital ratio | 31.6428% | 484 |
| Memoranda: | ||
| Average total assets | $15,547,250 | 7,657 |
| Average earning assets | $14,732,000 | 7,626 |
| Average equity | $1,854,250 | 7,627 |
| Average total loans | $5,474,000 | 7,643 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8942% | 7,435 |
| Cost of funding earning assets | 0.6085% | 7,389 |
| Net interest margin | 3.2857% | 6,062 |
| Noninterest income to average assets | 0.1407% | 6,880 |
| Noninterest expense to average assets | 3.2479% | 2,736 |
| Loan and lease loss provision to assets | -0.2941% | 7,793 |
| Net operating income to assets | 0.2941% | 5,201 |
| Return on assets (ROA) | 0.2941% | 5,352 |
| Pretax return on assets | 0.2941% | 5,514 |
| Return on Equity (ROE) | 2.4986% | 5,465 |
| Retained earnings to average equity (ytd only) | 1.4123% | 5,168 |
| Net charge-offs to loans | -0.1071% | 7,561 |
| Credit loss provision to net charge-offs | 766.6667% | 482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 801 |
| Assets per employee ($millions) | 3.0782% | 5,982 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4246% | 1,403 |
| Loan loss allowance to noncurrent loans | 228.8136% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 6,478 |
| Noncurrent loans to loans | 1.0596% | 5,197 |
| Net loans and leases to total assets | 35.2999% | 7,375 |
| Net loans and leases to deposits | 40.3071% | 7,437 |
| Net loans and leases to core deposits | 40.3071% | 7,483 |
| Total domestic deposits to total assets | 87.5772% | 2,218 |
| Equity capital to assets | 12.1759% | 1,995 |
| Core capital (leverage) ratio | 11.5915% | 1,861 |
| Tier 1 risk-based capital ratio | 27.8789% | 639 |
| Total risk-based capital ratio | 29.1788% | 620 |
| Memoranda: | ||
| Average total assets | $15,640,670 | 7,720 |
| Average earning assets | $14,791,330 | 7,692 |
| Average equity | $1,841,000 | 7,695 |
| Average total loans | $5,604,670 | 7,706 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 7,491 |
| Cost of funding earning assets | 0.6463% | 7,452 |
| Net interest margin | 3.3121% | 5,920 |
| Noninterest income to average assets | 0.4059% | 4,866 |
| Noninterest expense to average assets | 3.1969% | 2,877 |
| Loan and lease loss provision to assets | 0.0507% | 6,155 |
| Net operating income to assets | 0.2791% | 5,376 |
| Return on assets (ROA) | 0.2791% | 5,509 |
| Pretax return on assets | 0.2791% | 5,665 |
| Return on Equity (ROE) | 2.4116% | 5,587 |
| Retained earnings to average equity (ytd only) | 2.4116% | 4,689 |
| Net charge-offs to loans | -0.7114% | 7,829 |
| Credit loss provision to net charge-offs | -20.0000% | 5,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6475% | 1,383 |
| Assets per employee ($millions) | 3.1138% | 5,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9314% | 872 |
| Loan loss allowance to noncurrent loans | 265.0794% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 1.2525% | 4,674 |
| Noncurrent loans to loans | 1.1058% | 5,143 |
| Net loans and leases to total assets | 35.5193% | 7,441 |
| Net loans and leases to deposits | 40.3679% | 7,510 |
| Net loans and leases to core deposits | 40.3679% | 7,565 |
| Total domestic deposits to total assets | 87.9890% | 2,065 |
| Equity capital to assets | 11.8055% | 2,160 |
| Core capital (leverage) ratio | 11.6032% | 1,856 |
| Tier 1 risk-based capital ratio | 26.6931% | 728 |
| Total risk-based capital ratio | 27.9537% | 713 |
| Memoranda: | ||
| Average total assets | $15,765,500 | 7,818 |
| Average earning assets | $14,854,500 | 7,788 |
| Average equity | $1,824,500 | 7,783 |
| Average total loans | $5,623,000 | 7,808 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1482% | 7,631 |
| Cost of funding earning assets | 0.8673% | 7,456 |
| Net interest margin | 3.2809% | 5,816 |
| Noninterest income to average assets | 0.4766% | 4,599 |
| Noninterest expense to average assets | 3.2602% | 3,154 |
| Loan and lease loss provision to assets | 0.0763% | 6,829 |
| Net operating income to assets | 0.2415% | 4,755 |
| Return on assets (ROA) | 0.2415% | 4,833 |
| Pretax return on assets | 0.2415% | 4,909 |
| Return on Equity (ROE) | 2.0888% | 4,867 |
| Retained earnings to average equity (ytd only) | 1.2093% | 4,193 |
| Net charge-offs to loans | 0.0348% | 6,779 |
| Credit loss provision to net charge-offs | 600.0000% | 493 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 890 |
| Efficiency ratio | 91.1190% | 1,626 |
| Assets per employee ($millions) | 3.1924% | 5,741 |
| Cash dividends to net income (ytd only)* | 42.1053% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7933% | 936 |
| Loan loss allowance to noncurrent loans | 574.0741% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.9961% | 5,117 |
| Noncurrent loans to loans | 0.4866% | 6,282 |
| Net loans and leases to total assets | 33.7928% | 7,599 |
| Net loans and leases to deposits | 38.2065% | 7,676 |
| Net loans and leases to core deposits | 39.3838% | 7,767 |
| Total domestic deposits to total assets | 88.4476% | 1,752 |
| Equity capital to assets | 11.3457% | 2,436 |
| Core capital (leverage) ratio | 10.8585% | 2,312 |
| Tier 1 risk-based capital ratio | 25.1005% | 832 |
| Total risk-based capital ratio | 26.3625% | 809 |
| Memoranda: | ||
| Average total assets | $15,735,200 | 7,880 |
| Average earning assets | $14,873,800 | 7,845 |
| Average equity | $1,819,200 | 7,872 |
| Average total loans | $5,746,600 | 7,873 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1662% | 7,740 |
| Cost of funding earning assets | 0.9068% | 7,547 |
| Net interest margin | 3.2594% | 5,790 |
| Noninterest income to average assets | 0.4677% | 4,764 |
| Noninterest expense to average assets | 3.2996% | 2,926 |
| Loan and lease loss provision to assets | 0.0765% | 6,600 |
| Net operating income to assets | 0.1786% | 5,226 |
| Return on assets (ROA) | 0.1786% | 5,294 |
| Pretax return on assets | 0.1786% | 5,342 |
| Return on Equity (ROE) | 1.5374% | 5,319 |
| Retained earnings to average equity (ytd only) | 1.0251% | 4,738 |
| Net charge-offs to loans | 0.0690% | 5,999 |
| Credit loss provision to net charge-offs | 300.0000% | 1,367 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,026 |
| Efficiency ratio | 92.8230% | 1,475 |
| Assets per employee ($millions) | 3.1954% | 5,658 |
| Cash dividends to net income (ytd only)* | 33.3214% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6202% | 948 |
| Loan loss allowance to noncurrent loans | 177.6471% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 1.3582% | 4,373 |
| Noncurrent loans to loans | 1.4749% | 4,465 |
| Net loans and leases to total assets | 35.1255% | 7,646 |
| Net loans and leases to deposits | 39.8099% | 7,736 |
| Net loans and leases to core deposits | 41.0384% | 7,840 |
| Total domestic deposits to total assets | 88.2331% | 1,541 |
| Equity capital to assets | 11.4352% | 2,646 |
| Core capital (leverage) ratio | 10.9551% | 2,437 |
| Tier 1 risk-based capital ratio | 24.6141% | 937 |
| Total risk-based capital ratio | 25.8844% | 914 |
| Memoranda: | ||
| Average total assets | $15,678,500 | 7,963 |
| Average earning assets | $14,849,250 | 7,926 |
| Average equity | $1,821,250 | 7,954 |
| Average total loans | $5,796,000 | 7,946 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1884% | 7,835 |
| Cost of funding earning assets | 0.9624% | 7,606 |
| Net interest margin | 3.2260% | 5,821 |
| Noninterest income to average assets | 0.4236% | 5,089 |
| Noninterest expense to average assets | 3.3250% | 2,868 |
| Loan and lease loss provision to assets | 0.0770% | 6,419 |
| Net operating income to assets | 0.0770% | 5,630 |
| Return on assets (ROA) | 0.0770% | 5,723 |
| Pretax return on assets | 0.0770% | 5,726 |
| Return on Equity (ROE) | 0.6596% | 5,734 |
| Retained earnings to average equity (ytd only) | 0.6596% | 4,925 |
| Net charge-offs to loans | 0.0689% | 5,548 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,705 |
| Efficiency ratio | 95.5720% | 1,408 |
| Assets per employee ($millions) | 3.1024% | 5,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6072% | 817 |
| Loan loss allowance to noncurrent loans | 382.0513% | 822 |
| Noncurrent assets plus other real estate owned to assets | 1.5343% | 3,923 |
| Noncurrent loans to loans | 0.6824% | 5,885 |
| Net loans and leases to total assets | 35.8819% | 7,710 |
| Net loans and leases to deposits | 40.7736% | 7,795 |
| Net loans and leases to core deposits | 42.0615% | 7,908 |
| Total domestic deposits to total assets | 88.0028% | 1,776 |
| Equity capital to assets | 11.6942% | 2,389 |
| Core capital (leverage) ratio | 11.4517% | 2,107 |
| Tier 1 risk-based capital ratio | 24.8993% | 951 |
| Total risk-based capital ratio | 26.1630% | 931 |
| Memoranda: | ||
| Average total assets | $15,579,000 | 8,054 |
| Average earning assets | $14,755,000 | 8,013 |
| Average equity | $1,819,330 | 8,036 |
| Average total loans | $5,807,000 | 8,032 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2675% | 7,866 |
| Cost of funding earning assets | 1.0264% | 7,633 |
| Net interest margin | 3.2412% | 5,722 |
| Noninterest income to average assets | 0.3843% | 5,342 |
| Noninterest expense to average assets | 3.2794% | 2,720 |
| Loan and lease loss provision to assets | 0.0769% | 5,995 |
| Net operating income to assets | 0.1025% | 5,976 |
| Return on assets (ROA) | 0.1025% | 6,138 |
| Pretax return on assets | 0.1025% | 6,163 |
| Return on Equity (ROE) | 0.8782% | 6,163 |
| Retained earnings to average equity (ytd only) | 0.8782% | 5,306 |
| Net charge-offs to loans | 1.4352% | 998 |
| Credit loss provision to net charge-offs | 14.2857% | 5,147 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 4,710 |
| Efficiency ratio | 94.8148% | 1,387 |
| Assets per employee ($millions) | 2.6280% | 7,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2622% | 995 |
| Loan loss allowance to noncurrent loans | 73.4104% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 2.3592% | 2,428 |
| Noncurrent loans to loans | 3.0816% | 2,106 |
| Net loans and leases to total assets | 34.7983% | 7,776 |
| Net loans and leases to deposits | 39.5061% | 7,854 |
| Net loans and leases to core deposits | 40.7319% | 7,968 |
| Total domestic deposits to total assets | 88.0835% | 1,710 |
| Equity capital to assets | 11.5360% | 2,567 |
| Core capital (leverage) ratio | 11.5204% | 2,133 |
| Tier 1 risk-based capital ratio | 25.2643% | 960 |
| Total risk-based capital ratio | 26.4486% | 939 |
| Memoranda: | ||
| Average total assets | $15,612,500 | 8,097 |
| Average earning assets | $14,809,500 | 8,058 |
| Average equity | $1,822,000 | 8,087 |
| Average total loans | $5,853,000 | 8,085 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9852% | 7,847 |
| Cost of funding earning assets | 1.5693% | 7,500 |
| Net interest margin | 3.4159% | 5,593 |
| Noninterest income to average assets | 0.4800% | 4,799 |
| Noninterest expense to average assets | 3.5842% | 2,193 |
| Loan and lease loss provision to assets | 0.0768% | 6,439 |
| Net operating income to assets | 0.0128% | 6,333 |
| Return on assets (ROA) | 0.0128% | 6,187 |
| Pretax return on assets | 0.0512% | 6,044 |
| Return on Equity (ROE) | 0.1115% | 6,191 |
| Retained earnings to average equity (ytd only) | 0.1115% | 5,167 |
| Net charge-offs to loans | 0.2206% | 4,021 |
| Credit loss provision to net charge-offs | 80.0000% | 5,900 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 5,459 |
| Efficiency ratio | 96.5517% | 1,121 |
| Assets per employee ($millions) | 2.2081% | 7,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3802% | 774 |
| Loan loss allowance to noncurrent loans | 70.0483% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.3392% | 3,539 |
| Noncurrent loans to loans | 3.3979% | 1,510 |
| Net loans and leases to total assets | 38.4745% | 7,745 |
| Net loans and leases to deposits | 43.8472% | 7,853 |
| Net loans and leases to core deposits | 45.2278% | 7,979 |
| Total domestic deposits to total assets | 87.7467% | 1,581 |
| Equity capital to assets | 11.8069% | 2,423 |
| Core capital (leverage) ratio | 11.7601% | 2,095 |
| Tier 1 risk-based capital ratio | 25.9093% | 912 |
| Total risk-based capital ratio | 27.1700% | 888 |
| Memoranda: | ||
| Average total assets | $15,624,000 | 8,147 |
| Average earning assets | $14,783,800 | 8,111 |
| Average equity | $1,794,200 | 8,161 |
| Average total loans | $6,800,800 | 8,090 |