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 | 4.4843% | 3,702 |
| Cost of funding earning assets | 0.1394% | 7,059 |
| Net interest margin | 4.3449% | 1,358 |
| Noninterest income to average assets | 0.6004% | 3,268 |
| Noninterest expense to average assets | 2.2929% | 5,702 |
| Loan and lease loss provision to assets | 0.2330% | 2,714 |
| Net operating income to assets | 1.5328% | 967 |
| Return on assets (ROA) | 1.5916% | 960 |
| Pretax return on assets | 2.1976% | 481 |
| Return on Equity (ROE) | 16.9954% | 613 |
| Retained earnings to average equity (ytd only) | 4.1719% | 3,962 |
| Net charge-offs to loans | 0.4404% | 2,345 |
| Credit loss provision to net charge-offs | 85.5882% | 3,440 |
| Earnings coverage of net charge-offs (x) | 8.6294% | 2,418 |
| Efficiency ratio | 49.3963% | 6,633 |
| Assets per employee ($millions) | 6.3154% | 1,051 |
| Cash dividends to net income (ytd only)* | 75.4527% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8475% | 2,653 |
| Loan loss allowance to noncurrent loans | 67.9625% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.8327% | 2,882 |
| Noncurrent loans to loans | 2.7184% | 2,083 |
| Net loans and leases to total assets | 63.1870% | 3,176 |
| Net loans and leases to deposits | 78.2733% | 2,625 |
| Net loans and leases to core deposits | 90.7379% | 1,901 |
| Total domestic deposits to total assets | 80.7261% | 5,442 |
| Equity capital to assets | 9.4267% | 5,295 |
| Core capital (leverage) ratio | 9.1184% | 4,881 |
| Tier 1 risk-based capital ratio | 12.3822% | 5,715 |
| Total risk-based capital ratio | 13.6399% | 5,683 |
| Memoranda: | ||
| Average total assets | $166,541,250 | 3,543 |
| Average earning assets | $154,907,000 | 3,500 |
| Average equity | $15,596,000 | 3,884 |
| Average total loans | $102,939,000 | 3,488 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 3,708 |
| Cost of funding earning assets | 0.1400% | 7,135 |
| Net interest margin | 4.3742% | 1,269 |
| Noninterest income to average assets | 0.5702% | 3,447 |
| Noninterest expense to average assets | 2.2964% | 5,750 |
| Loan and lease loss provision to assets | 0.3450% | 1,907 |
| Net operating income to assets | 1.4359% | 1,117 |
| Return on assets (ROA) | 1.4660% | 1,186 |
| Pretax return on assets | 2.0167% | 678 |
| Return on Equity (ROE) | 15.6899% | 820 |
| Retained earnings to average equity (ytd only) | 2.7338% | 4,801 |
| Net charge-offs to loans | 0.2762% | 2,934 |
| Credit loss provision to net charge-offs | 205.0360% | 1,392 |
| Earnings coverage of net charge-offs (x) | 13.7914% | 1,762 |
| Efficiency ratio | 49.7378% | 6,658 |
| Assets per employee ($millions) | 5.8967% | 1,297 |
| Cash dividends to net income (ytd only)* | 82.5764% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2274% | 1,712 |
| Loan loss allowance to noncurrent loans | 77.3486% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.8340% | 2,993 |
| Noncurrent loans to loans | 2.8796% | 2,081 |
| Net loans and leases to total assets | 59.1017% | 3,976 |
| Net loans and leases to deposits | 71.9141% | 3,625 |
| Net loans and leases to core deposits | 78.5354% | 3,445 |
| Total domestic deposits to total assets | 82.1837% | 5,058 |
| Equity capital to assets | 9.5060% | 5,050 |
| Core capital (leverage) ratio | 9.3002% | 4,456 |
| Tier 1 risk-based capital ratio | 12.6028% | 5,492 |
| Total risk-based capital ratio | 13.8629% | 5,468 |
| Memoranda: | ||
| Average total assets | $165,216,330 | 3,582 |
| Average earning assets | $152,851,000 | 3,551 |
| Average equity | $15,436,670 | 3,903 |
| Average total loans | $100,661,330 | 3,550 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6036% | 3,483 |
| Cost of funding earning assets | 0.1477% | 7,196 |
| Net interest margin | 4.4560% | 1,097 |
| Noninterest income to average assets | 0.6123% | 3,149 |
| Noninterest expense to average assets | 2.3501% | 5,624 |
| Loan and lease loss provision to assets | 0.3630% | 1,740 |
| Net operating income to assets | 1.4352% | 1,155 |
| Return on assets (ROA) | 1.4352% | 1,295 |
| Pretax return on assets | 1.9895% | 748 |
| Return on Equity (ROE) | 15.4957% | 889 |
| Retained earnings to average equity (ytd only) | 2.4302% | 5,046 |
| Net charge-offs to loans | 0.4907% | 1,863 |
| Credit loss provision to net charge-offs | 120.9677% | 1,972 |
| Earnings coverage of net charge-offs (x) | 7.8387% | 2,033 |
| Efficiency ratio | 49.9743% | 6,678 |
| Assets per employee ($millions) | 6.3716% | 1,049 |
| Cash dividends to net income (ytd only)* | 84.3170% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1435% | 2,004 |
| Loan loss allowance to noncurrent loans | 157.4102% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.9314% | 4,657 |
| Noncurrent loans to loans | 1.3617% | 4,079 |
| Net loans and leases to total assets | 57.9545% | 4,045 |
| Net loans and leases to deposits | 69.6851% | 3,771 |
| Net loans and leases to core deposits | 76.0213% | 3,617 |
| Total domestic deposits to total assets | 83.1662% | 4,858 |
| Equity capital to assets | 9.2750% | 5,128 |
| Core capital (leverage) ratio | 9.6400% | 3,860 |
| Tier 1 risk-based capital ratio | 12.6766% | 5,469 |
| Total risk-based capital ratio | 13.9356% | 5,424 |
| Memoranda: | ||
| Average total assets | $165,271,000 | 3,595 |
| Average earning assets | $151,706,000 | 3,581 |
| Average equity | $15,307,500 | 3,934 |
| Average total loans | $101,090,000 | 3,566 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 3,924 |
| Cost of funding earning assets | 0.2158% | 7,222 |
| Net interest margin | 4.5599% | 995 |
| Noninterest income to average assets | 0.5313% | 3,643 |
| Noninterest expense to average assets | 2.2385% | 6,189 |
| Loan and lease loss provision to assets | 0.4093% | 2,546 |
| Net operating income to assets | 1.4864% | 853 |
| Return on assets (ROA) | 1.4998% | 901 |
| Pretax return on assets | 2.1031% | 438 |
| Return on Equity (ROE) | 16.6216% | 517 |
| Retained earnings to average equity (ytd only) | 4.2855% | 3,132 |
| Net charge-offs to loans | 0.5720% | 2,738 |
| Credit loss provision to net charge-offs | 120.6835% | 2,634 |
| Earnings coverage of net charge-offs (x) | 7.3525% | 2,348 |
| Efficiency ratio | 47.3060% | 6,976 |
| Assets per employee ($millions) | 6.3416% | 1,034 |
| Cash dividends to net income (ytd only)* | 74.2172% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9958% | 2,297 |
| Loan loss allowance to noncurrent loans | 164.5800% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.8909% | 4,832 |
| Noncurrent loans to loans | 1.2127% | 4,340 |
| Net loans and leases to total assets | 61.8579% | 3,630 |
| Net loans and leases to deposits | 73.5502% | 3,572 |
| Net loans and leases to core deposits | 79.5253% | 3,504 |
| Total domestic deposits to total assets | 84.1031% | 4,281 |
| Equity capital to assets | 9.2491% | 5,213 |
| Core capital (leverage) ratio | 9.4485% | 4,115 |
| Tier 1 risk-based capital ratio | 12.0702% | 5,784 |
| Total risk-based capital ratio | 13.3275% | 5,761 |
| Memoranda: | ||
| Average total assets | $163,950,200 | 3,577 |
| Average earning assets | $151,034,200 | 3,567 |
| Average equity | $14,794,000 | 3,952 |
| Average total loans | $97,202,600 | 3,692 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7390% | 4,287 |
| Cost of funding earning assets | 0.2314% | 7,294 |
| Net interest margin | 4.5077% | 1,130 |
| Noninterest income to average assets | 0.4960% | 3,896 |
| Noninterest expense to average assets | 2.2958% | 6,051 |
| Loan and lease loss provision to assets | 0.2207% | 3,808 |
| Net operating income to assets | 1.5294% | 881 |
| Return on assets (ROA) | 1.5294% | 956 |
| Pretax return on assets | 2.1524% | 470 |
| Return on Equity (ROE) | 17.0568% | 561 |
| Retained earnings to average equity (ytd only) | 5.4767% | 2,871 |
| Net charge-offs to loans | 0.0391% | 5,601 |
| Credit loss provision to net charge-offs | 967.8571% | 273 |
| Earnings coverage of net charge-offs (x) | 104.0782% | 348 |
| Efficiency ratio | 49.1715% | 6,873 |
| Assets per employee ($millions) | 5.5534% | 1,540 |
| Cash dividends to net income (ytd only)* | 67.8914% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2460% | 1,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 6,714 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 61.7190% | 3,795 |
| Net loans and leases to deposits | 71.5532% | 4,055 |
| Net loans and leases to core deposits | 78.2834% | 3,859 |
| Total domestic deposits to total assets | 86.2561% | 3,064 |
| Equity capital to assets | 9.9264% | 4,439 |
| Core capital (leverage) ratio | 9.6396% | 3,934 |
| Tier 1 risk-based capital ratio | 12.9601% | 5,129 |
| Total risk-based capital ratio | 14.2216% | 5,086 |
| Memoranda: | ||
| Average total assets | $163,717,500 | 3,613 |
| Average earning assets | $151,559,750 | 3,577 |
| Average equity | $14,680,000 | 3,986 |
| Average total loans | $95,486,000 | 3,771 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 4,785 |
| Cost of funding earning assets | 0.2494% | 7,361 |
| Net interest margin | 4.3932% | 1,391 |
| Noninterest income to average assets | 0.3460% | 5,113 |
| Noninterest expense to average assets | 2.2516% | 6,241 |
| Loan and lease loss provision to assets | 0.2643% | 3,285 |
| Net operating income to assets | 1.3409% | 1,215 |
| Return on assets (ROA) | 1.3409% | 1,290 |
| Pretax return on assets | 1.8731% | 752 |
| Return on Equity (ROE) | 15.4696% | 727 |
| Retained earnings to average equity (ytd only) | 4.3803% | 3,405 |
| Net charge-offs to loans | 0.0063% | 5,783 |
| Credit loss provision to net charge-offs | 7,333.3333% | 44 |
| Earnings coverage of net charge-offs (x) | 593.0000% | 52 |
| Efficiency ratio | 51.3003% | 6,851 |
| Assets per employee ($millions) | 5.1750% | 1,906 |
| Cash dividends to net income (ytd only)* | 71.6846% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2990% | 1,746 |
| Loan loss allowance to noncurrent loans | 635.2770% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 6,245 |
| Noncurrent loans to loans | 0.3619% | 6,183 |
| Net loans and leases to total assets | 59.6464% | 4,338 |
| Net loans and leases to deposits | 69.9890% | 4,439 |
| Net loans and leases to core deposits | 76.9226% | 4,198 |
| Total domestic deposits to total assets | 85.2225% | 3,775 |
| Equity capital to assets | 9.5291% | 4,773 |
| Core capital (leverage) ratio | 9.0299% | 4,672 |
| Tier 1 risk-based capital ratio | 13.0304% | 4,894 |
| Total risk-based capital ratio | 14.2909% | 4,868 |
| Memoranda: | ||
| Average total assets | $166,458,330 | 3,590 |
| Average earning assets | $153,192,000 | 3,572 |
| Average equity | $14,428,330 | 4,029 |
| Average total loans | $94,589,670 | 3,827 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4594% | 5,488 |
| Cost of funding earning assets | 0.2634% | 7,424 |
| Net interest margin | 4.1960% | 1,901 |
| Noninterest income to average assets | 0.6184% | 3,046 |
| Noninterest expense to average assets | 2.2085% | 6,402 |
| Loan and lease loss provision to assets | 0.2790% | 2,923 |
| Net operating income to assets | 1.3832% | 1,089 |
| Return on assets (ROA) | 1.3832% | 1,138 |
| Pretax return on assets | 1.9458% | 614 |
| Return on Equity (ROE) | 16.7070% | 605 |
| Retained earnings to average equity (ytd only) | 5.4754% | 2,919 |
| Net charge-offs to loans | -0.0466% | 6,858 |
| Credit loss provision to net charge-offs | -1,090.9091% | 6,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8165% | 7,000 |
| Assets per employee ($millions) | 5.6116% | 1,480 |
| Cash dividends to net income (ytd only)* | 67.2269% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2318% | 1,888 |
| Loan loss allowance to noncurrent loans | 216.2190% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.8500% | 5,204 |
| Noncurrent loans to loans | 1.0322% | 4,992 |
| Net loans and leases to total assets | 54.4622% | 5,236 |
| Net loans and leases to deposits | 63.2522% | 5,355 |
| Net loans and leases to core deposits | 70.1505% | 5,024 |
| Total domestic deposits to total assets | 86.1032% | 3,459 |
| Equity capital to assets | 8.5175% | 5,881 |
| Core capital (leverage) ratio | 8.6759% | 5,131 |
| Tier 1 risk-based capital ratio | 12.6743% | 5,092 |
| Total risk-based capital ratio | 13.9326% | 5,062 |
| Memoranda: | ||
| Average total assets | $172,062,500 | 3,517 |
| Average earning assets | $156,433,500 | 3,540 |
| Average equity | $14,245,500 | 4,066 |
| Average total loans | $94,494,500 | 3,871 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0250% | 4,432 |
| Cost of funding earning assets | 0.5511% | 7,231 |
| Net interest margin | 4.4739% | 1,289 |
| Noninterest income to average assets | 0.7369% | 2,613 |
| Noninterest expense to average assets | 2.3836% | 6,129 |
| Loan and lease loss provision to assets | 0.3789% | 3,845 |
| Net operating income to assets | 1.5057% | 761 |
| Return on assets (ROA) | 1.5062% | 820 |
| Pretax return on assets | 2.1299% | 370 |
| Return on Equity (ROE) | 17.6804% | 405 |
| Retained earnings to average equity (ytd only) | 16.1878% | 95 |
| Net charge-offs to loans | 0.2313% | 4,893 |
| Credit loss provision to net charge-offs | 268.4685% | 1,035 |
| Earnings coverage of net charge-offs (x) | 17.7703% | 1,132 |
| Efficiency ratio | 48.7263% | 7,220 |
| Assets per employee ($millions) | 5.6702% | 1,447 |
| Cash dividends to net income (ytd only)* | 8.4424% | 3,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0607% | 2,149 |
| Loan loss allowance to noncurrent loans | 118.1928% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.2078% | 4,612 |
| Noncurrent loans to loans | 1.7435% | 3,892 |
| Net loans and leases to total assets | 53.0490% | 5,773 |
| Net loans and leases to deposits | 60.4173% | 6,010 |
| Net loans and leases to core deposits | 65.7454% | 5,900 |
| Total domestic deposits to total assets | 87.8044% | 2,364 |
| Equity capital to assets | 8.0511% | 6,442 |
| Core capital (leverage) ratio | 9.3388% | 3,946 |
| Tier 1 risk-based capital ratio | 12.0234% | 5,448 |
| Total risk-based capital ratio | 13.2795% | 5,430 |
| Memoranda: | ||
| Average total assets | $157,283,200 | 3,754 |
| Average earning assets | $146,068,400 | 3,706 |
| Average equity | $13,399,000 | 4,284 |
| Average total loans | $95,983,400 | 3,898 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1285% | 4,177 |
| Cost of funding earning assets | 0.6149% | 7,260 |
| Net interest margin | 4.5136% | 1,229 |
| Noninterest income to average assets | 0.7633% | 2,430 |
| Noninterest expense to average assets | 2.4725% | 5,813 |
| Loan and lease loss provision to assets | 0.3895% | 3,560 |
| Net operating income to assets | 1.5234% | 878 |
| Return on assets (ROA) | 1.5240% | 957 |
| Pretax return on assets | 2.1529% | 454 |
| Return on Equity (ROE) | 17.6115% | 518 |
| Retained earnings to average equity (ytd only) | 17.6115% | 117 |
| Net charge-offs to loans | 0.2551% | 4,416 |
| Credit loss provision to net charge-offs | 242.3913% | 1,392 |
| Earnings coverage of net charge-offs (x) | 15.8150% | 1,419 |
| Efficiency ratio | 49.3120% | 7,195 |
| Assets per employee ($millions) | 4.9035% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 2,455 |
| Loan loss allowance to noncurrent loans | 268.5051% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7579% | 5,592 |
| Noncurrent loans to loans | 0.7111% | 5,789 |
| Net loans and leases to total assets | 62.5248% | 4,424 |
| Net loans and leases to deposits | 73.2874% | 4,640 |
| Net loans and leases to core deposits | 81.5014% | 4,315 |
| Total domestic deposits to total assets | 85.3145% | 3,457 |
| Equity capital to assets | 9.3469% | 5,051 |
| Core capital (leverage) ratio | 8.9864% | 4,716 |
| Tier 1 risk-based capital ratio | 11.6792% | 5,749 |
| Total risk-based capital ratio | 12.9360% | 5,717 |
| Memoranda: | ||
| Average total assets | $152,659,750 | 3,885 |
| Average earning assets | $143,767,750 | 3,799 |
| Average equity | $13,210,750 | 4,394 |
| Average total loans | $96,176,750 | 3,964 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0919% | 4,501 |
| Cost of funding earning assets | 0.6469% | 7,303 |
| Net interest margin | 4.4451% | 1,334 |
| Noninterest income to average assets | 0.7509% | 2,384 |
| Noninterest expense to average assets | 2.4595% | 5,879 |
| Loan and lease loss provision to assets | 0.2630% | 4,296 |
| Net operating income to assets | 1.5703% | 782 |
| Return on assets (ROA) | 1.5712% | 833 |
| Pretax return on assets | 2.2371% | 382 |
| Return on Equity (ROE) | 18.6515% | 415 |
| Retained earnings to average equity (ytd only) | 18.6515% | 114 |
| Net charge-offs to loans | 0.0709% | 5,431 |
| Credit loss provision to net charge-offs | 591.1765% | 632 |
| Earnings coverage of net charge-offs (x) | 56.1765% | 544 |
| Efficiency ratio | 49.6042% | 7,252 |
| Assets per employee ($millions) | 4.7646% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7821% | 2,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 6,677 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 61.5163% | 4,775 |
| Net loans and leases to deposits | 70.7828% | 5,164 |
| Net loans and leases to core deposits | 84.5224% | 4,065 |
| Total domestic deposits to total assets | 86.9086% | 2,579 |
| Equity capital to assets | 8.5784% | 6,046 |
| Core capital (leverage) ratio | 8.4800% | 5,447 |
| Tier 1 risk-based capital ratio | 11.2781% | 5,964 |
| Total risk-based capital ratio | 12.5188% | 5,962 |
| Memoranda: | ||
| Average total assets | $152,877,330 | 3,904 |
| Average earning assets | $144,699,330 | 3,800 |
| Average equity | $12,878,330 | 4,465 |
| Average total loans | $95,938,330 | 4,016 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0597% | 4,735 |
| Cost of funding earning assets | 0.6647% | 7,407 |
| Net interest margin | 4.3950% | 1,405 |
| Noninterest income to average assets | 0.7405% | 2,357 |
| Noninterest expense to average assets | 2.5110% | 5,688 |
| Loan and lease loss provision to assets | 0.2654% | 3,904 |
| Net operating income to assets | 1.4872% | 911 |
| Return on assets (ROA) | 1.4891% | 981 |
| Pretax return on assets | 2.1261% | 478 |
| Return on Equity (ROE) | 17.8471% | 529 |
| Retained earnings to average equity (ytd only) | 17.8471% | 251 |
| Net charge-offs to loans | 0.1310% | 4,173 |
| Credit loss provision to net charge-offs | 322.5806% | 1,228 |
| Earnings coverage of net charge-offs (x) | 29.0323% | 892 |
| Efficiency ratio | 51.2459% | 7,217 |
| Assets per employee ($millions) | 4.9596% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7748% | 2,809 |
| Loan loss allowance to noncurrent loans | 18,400.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 7,486 |
| Noncurrent loans to loans | 0.0096% | 7,396 |
| Net loans and leases to total assets | 59.6122% | 5,187 |
| Net loans and leases to deposits | 70.1336% | 5,327 |
| Net loans and leases to core deposits | 82.9685% | 4,348 |
| Total domestic deposits to total assets | 84.9981% | 3,680 |
| Equity capital to assets | 8.3663% | 6,201 |
| Core capital (leverage) ratio | 8.2279% | 5,871 |
| Tier 1 risk-based capital ratio | 11.2992% | 5,854 |
| Total risk-based capital ratio | 12.5530% | 5,818 |
| Memoranda: | ||
| Average total assets | $150,699,500 | 4,000 |
| Average earning assets | $142,618,000 | 3,900 |
| Average equity | $12,573,500 | 4,567 |
| Average total loans | $94,668,000 | 4,109 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3328% | 5,016 |
| Cost of funding earning assets | 0.6794% | 7,708 |
| Net interest margin | 4.6534% | 899 |
| Noninterest income to average assets | 0.8735% | 2,060 |
| Noninterest expense to average assets | 2.5385% | 5,992 |
| Loan and lease loss provision to assets | 0.5103% | 3,825 |
| Net operating income to assets | 1.5027% | 669 |
| Return on assets (ROA) | 1.5137% | 700 |
| Pretax return on assets | 2.1567% | 306 |
| Return on Equity (ROE) | 18.4217% | 337 |
| Retained earnings to average equity (ytd only) | 9.0849% | 484 |
| Net charge-offs to loans | 0.5077% | 3,749 |
| Credit loss provision to net charge-offs | 153.4335% | 2,985 |
| Earnings coverage of net charge-offs (x) | 7.9721% | 2,027 |
| Efficiency ratio | 48.9136% | 7,588 |
| Assets per employee ($millions) | 4.7630% | 2,527 |
| Cash dividends to net income (ytd only)* | 50.6836% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 3,073 |
| 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 | 63.9612% | 4,605 |
| Net loans and leases to deposits | 72.2416% | 5,291 |
| Net loans and leases to core deposits | 98.4211% | 4,186 |
| Total domestic deposits to total assets | 88.5379% | 1,709 |
| Equity capital to assets | 8.3196% | 6,170 |
| Core capital (leverage) ratio | 8.3586% | 5,522 |
| Tier 1 risk-based capital ratio | 10.8353% | 6,083 |
| Total risk-based capital ratio | 12.0887% | 6,051 |
| Memoranda: | ||
| Average total assets | $140,120,800 | 4,124 |
| Average earning assets | $129,969,600 | 4,088 |
| Average equity | $11,513,600 | 4,873 |
| Average total loans | $91,777,600 | 4,164 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3786% | 5,053 |
| Cost of funding earning assets | 0.6804% | 7,831 |
| Net interest margin | 4.6982% | 828 |
| Noninterest income to average assets | 0.8729% | 2,093 |
| Noninterest expense to average assets | 2.5569% | 5,869 |
| Loan and lease loss provision to assets | 0.5932% | 3,013 |
| Net operating income to assets | 1.4504% | 914 |
| Return on assets (ROA) | 1.4545% | 965 |
| Pretax return on assets | 2.0640% | 483 |
| Return on Equity (ROE) | 17.7601% | 482 |
| Retained earnings to average equity (ytd only) | 9.5160% | 728 |
| Net charge-offs to loans | 0.6585% | 2,710 |
| Credit loss provision to net charge-offs | 137.2768% | 3,606 |
| Earnings coverage of net charge-offs (x) | 6.1361% | 2,664 |
| Efficiency ratio | 49.0926% | 7,616 |
| Assets per employee ($millions) | 4.3122% | 3,188 |
| Cash dividends to net income (ytd only)* | 46.4190% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6933% | 2,654 |
| 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 | 65.4054% | 4,559 |
| Net loans and leases to deposits | 75.4648% | 5,131 |
| Net loans and leases to core deposits | 107.7425% | 3,501 |
| Total domestic deposits to total assets | 86.6701% | 2,344 |
| Equity capital to assets | 9.0008% | 5,478 |
| Core capital (leverage) ratio | 8.7358% | 5,069 |
| Tier 1 risk-based capital ratio | 11.3920% | 5,546 |
| Total risk-based capital ratio | 12.6469% | 5,485 |
| Memoranda: | ||
| Average total assets | $138,238,000 | 4,182 |
| Average earning assets | $127,564,500 | 4,164 |
| Average equity | $11,321,000 | 4,971 |
| Average total loans | $90,715,000 | 4,229 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3762% | 5,269 |
| Cost of funding earning assets | 0.6897% | 7,926 |
| Net interest margin | 4.6866% | 815 |
| Noninterest income to average assets | 0.8200% | 2,318 |
| Noninterest expense to average assets | 2.5544% | 5,927 |
| Loan and lease loss provision to assets | 0.6440% | 2,501 |
| Net operating income to assets | 1.3434% | 1,132 |
| Return on assets (ROA) | 1.3495% | 1,195 |
| Pretax return on assets | 1.9090% | 684 |
| Return on Equity (ROE) | 17.0155% | 579 |
| Retained earnings to average equity (ytd only) | 10.7001% | 612 |
| Net charge-offs to loans | 0.9024% | 1,895 |
| Credit loss provision to net charge-offs | 109.2233% | 4,233 |
| Earnings coverage of net charge-offs (x) | 4.3155% | 3,139 |
| Efficiency ratio | 50.0982% | 7,661 |
| Assets per employee ($millions) | 4.2124% | 3,275 |
| Cash dividends to net income (ytd only)* | 37.1156% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 3,079 |
| 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 | 66.0927% | 4,549 |
| Net loans and leases to deposits | 76.2687% | 5,128 |
| Net loans and leases to core deposits | 107.0870% | 3,714 |
| Total domestic deposits to total assets | 86.6577% | 2,426 |
| Equity capital to assets | 8.5269% | 6,010 |
| Core capital (leverage) ratio | 8.6646% | 5,155 |
| Tier 1 risk-based capital ratio | 11.0923% | 5,783 |
| Total risk-based capital ratio | 12.3447% | 5,700 |
| Memoranda: | ||
| Average total assets | $139,758,330 | 4,176 |
| Average earning assets | $127,598,330 | 4,188 |
| Average equity | $11,084,000 | 5,063 |
| Average total loans | $91,307,330 | 4,249 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3961% | 5,447 |
| Cost of funding earning assets | 0.7435% | 7,966 |
| Net interest margin | 4.6526% | 863 |
| Noninterest income to average assets | 0.7902% | 2,384 |
| Noninterest expense to average assets | 2.3482% | 6,373 |
| Loan and lease loss provision to assets | 0.8437% | 1,540 |
| Net operating income to assets | 1.2514% | 1,503 |
| Return on assets (ROA) | 1.2514% | 1,607 |
| Pretax return on assets | 1.7689% | 1,042 |
| Return on Equity (ROE) | 16.3618% | 767 |
| Retained earnings to average equity (ytd only) | 3.4930% | 3,954 |
| Net charge-offs to loans | 0.9245% | 1,435 |
| Credit loss provision to net charge-offs | 141.5094% | 2,888 |
| Earnings coverage of net charge-offs (x) | 4.3821% | 2,898 |
| Efficiency ratio | 47.3356% | 7,765 |
| Assets per employee ($millions) | 4.3617% | 2,953 |
| Cash dividends to net income (ytd only)* | 78.6517% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 2,508 |
| Loan loss allowance to noncurrent loans | 1,427.0000% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 7,373 |
| Noncurrent loans to loans | 0.1123% | 7,210 |
| Net loans and leases to total assets | 64.7869% | 4,848 |
| Net loans and leases to deposits | 76.1377% | 5,203 |
| Net loans and leases to core deposits | 104.9441% | 4,034 |
| Total domestic deposits to total assets | 85.0918% | 3,151 |
| Equity capital to assets | 8.1574% | 6,589 |
| Core capital (leverage) ratio | 8.1562% | 6,182 |
| Tier 1 risk-based capital ratio | 10.5777% | 6,311 |
| Total risk-based capital ratio | 11.8301% | 6,231 |
| Memoranda: | ||
| Average total assets | $142,239,000 | 4,145 |
| Average earning assets | $127,499,500 | 4,205 |
| Average equity | $10,879,000 | 5,141 |
| Average total loans | $91,727,000 | 4,266 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1341% | 4,871 |
| Cost of funding earning assets | 1.4817% | 7,635 |
| Net interest margin | 4.6525% | 1,049 |
| Noninterest income to average assets | 0.8572% | 2,181 |
| Noninterest expense to average assets | 2.2968% | 6,712 |
| Loan and lease loss provision to assets | 0.5500% | 2,621 |
| Net operating income to assets | 1.4877% | 1,053 |
| Return on assets (ROA) | 1.4892% | 1,005 |
| Pretax return on assets | 2.1397% | 447 |
| Return on Equity (ROE) | 21.4087% | 281 |
| Retained earnings to average equity (ytd only) | 19.3736% | 40 |
| Net charge-offs to loans | 0.5134% | 2,303 |
| Credit loss provision to net charge-offs | 164.9682% | 3,119 |
| Earnings coverage of net charge-offs (x) | 8.0616% | 2,946 |
| Efficiency ratio | 46.0807% | 7,927 |
| Assets per employee ($millions) | 4.8150% | 2,161 |
| Cash dividends to net income (ytd only)* | 9.5057% | 4,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 3,098 |
| Loan loss allowance to noncurrent loans | 82.4000% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.0887% | 4,110 |
| Noncurrent loans to loans | 1.7209% | 3,186 |
| Net loans and leases to total assets | 62.3640% | 5,563 |
| Net loans and leases to deposits | 78.4512% | 5,277 |
| Net loans and leases to core deposits | 108.4298% | 3,917 |
| Total domestic deposits to total assets | 79.4941% | 5,205 |
| Equity capital to assets | 7.1873% | 7,633 |
| Core capital (leverage) ratio | 7.7717% | 6,841 |
| Tier 1 risk-based capital ratio | 9.6461% | 7,150 |
| Total risk-based capital ratio | 10.8449% | 7,103 |
| Memoranda: | ||
| Average total assets | $141,281,800 | 4,055 |
| Average earning assets | $125,331,400 | 4,147 |
| Average equity | $9,827,800 | 5,461 |
| Average total loans | $91,746,000 | 4,167 |