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 | 4.2806% | 4,525 |
| Cost of funding earning assets | 0.2143% | 6,917 |
| Net interest margin | 4.0663% | 2,224 |
| Noninterest income to average assets | 0.9301% | 1,734 |
| Noninterest expense to average assets | 2.5022% | 5,076 |
| Loan and lease loss provision to assets | 0.2382% | 2,667 |
| Net operating income to assets | 1.5371% | 962 |
| Return on assets (ROA) | 1.6241% | 885 |
| Pretax return on assets | 2.1638% | 513 |
| Return on Equity (ROE) | 19.4856% | 367 |
| Retained earnings to average equity (ytd only) | 7.5417% | 1,832 |
| Net charge-offs to loans | 0.1589% | 3,842 |
| Credit loss provision to net charge-offs | 307.3394% | 876 |
| Earnings coverage of net charge-offs (x) | 29.4954% | 1,110 |
| Efficiency ratio | 52.2572% | 6,432 |
| Assets per employee ($millions) | 6.0582% | 1,219 |
| Cash dividends to net income (ytd only)* | 61.2959% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 4,771 |
| Loan loss allowance to noncurrent loans | 147.5258% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 5,126 |
| Noncurrent loans to loans | 0.8876% | 4,656 |
| Net loans and leases to total assets | 53.9501% | 4,755 |
| Net loans and leases to deposits | 65.3758% | 4,550 |
| Net loans and leases to core deposits | 72.6784% | 4,173 |
| Total domestic deposits to total assets | 82.5230% | 4,826 |
| Equity capital to assets | 8.0922% | 6,553 |
| Core capital (leverage) ratio | 7.5744% | 6,580 |
| Tier 1 risk-based capital ratio | 11.5071% | 6,225 |
| Total risk-based capital ratio | 12.6417% | 6,260 |
| Memoranda: | ||
| Average total assets | $187,507,750 | 3,239 |
| Average earning assets | $177,915,250 | 3,162 |
| Average equity | $15,628,250 | 3,877 |
| Average total loans | $91,444,750 | 3,747 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3104% | 4,528 |
| Cost of funding earning assets | 0.2235% | 6,983 |
| Net interest margin | 4.0869% | 2,143 |
| Noninterest income to average assets | 0.9227% | 1,698 |
| Noninterest expense to average assets | 2.5348% | 5,017 |
| Loan and lease loss provision to assets | 0.1527% | 3,614 |
| Net operating income to assets | 1.5886% | 855 |
| Return on assets (ROA) | 1.6099% | 914 |
| Pretax return on assets | 2.1334% | 542 |
| Return on Equity (ROE) | 19.1130% | 406 |
| Retained earnings to average equity (ytd only) | 6.1638% | 2,596 |
| Net charge-offs to loans | 0.2176% | 3,272 |
| Credit loss provision to net charge-offs | 150.5376% | 1,832 |
| Earnings coverage of net charge-offs (x) | 22.2581% | 1,305 |
| Efficiency ratio | 52.8903% | 6,432 |
| Assets per employee ($millions) | 5.8265% | 1,350 |
| Cash dividends to net income (ytd only)* | 67.7507% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 4,834 |
| Loan loss allowance to noncurrent loans | 143.6927% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.6059% | 5,255 |
| Noncurrent loans to loans | 0.9147% | 4,670 |
| Net loans and leases to total assets | 48.9317% | 5,497 |
| Net loans and leases to deposits | 56.8587% | 5,569 |
| Net loans and leases to core deposits | 63.1845% | 5,285 |
| Total domestic deposits to total assets | 86.0584% | 3,330 |
| Equity capital to assets | 8.1940% | 6,456 |
| Core capital (leverage) ratio | 7.6319% | 6,548 |
| Tier 1 risk-based capital ratio | 12.2552% | 5,753 |
| Total risk-based capital ratio | 13.3440% | 5,848 |
| Memoranda: | ||
| Average total assets | $183,370,330 | 3,307 |
| Average earning assets | $173,627,000 | 3,224 |
| Average equity | $15,445,000 | 3,902 |
| Average total loans | $85,497,000 | 3,925 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2483% | 4,934 |
| Cost of funding earning assets | 0.2340% | 7,045 |
| Net interest margin | 4.0142% | 2,446 |
| Noninterest income to average assets | 0.9636% | 1,525 |
| Noninterest expense to average assets | 2.5352% | 5,040 |
| Loan and lease loss provision to assets | 0.1341% | 3,675 |
| Net operating income to assets | 1.5844% | 887 |
| Return on assets (ROA) | 1.5963% | 974 |
| Pretax return on assets | 2.1060% | 626 |
| Return on Equity (ROE) | 18.6789% | 483 |
| Retained earnings to average equity (ytd only) | 5.5984% | 3,204 |
| Net charge-offs to loans | 0.3673% | 2,206 |
| Credit loss provision to net charge-offs | 81.0811% | 2,704 |
| Earnings coverage of net charge-offs (x) | 13.4459% | 1,538 |
| Efficiency ratio | 53.2644% | 6,413 |
| Assets per employee ($millions) | 5.4051% | 1,779 |
| Cash dividends to net income (ytd only)* | 70.0280% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 4,368 |
| Loan loss allowance to noncurrent loans | 133.8202% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.6987% | 5,152 |
| Noncurrent loans to loans | 1.0843% | 4,523 |
| Net loans and leases to total assets | 44.0165% | 6,009 |
| Net loans and leases to deposits | 48.8210% | 6,243 |
| Net loans and leases to core deposits | 54.8258% | 5,996 |
| Total domestic deposits to total assets | 90.1590% | 1,003 |
| Equity capital to assets | 8.3424% | 6,229 |
| Core capital (leverage) ratio | 7.9758% | 6,279 |
| Tier 1 risk-based capital ratio | 13.2569% | 5,023 |
| Total risk-based capital ratio | 14.3971% | 5,068 |
| Memoranda: | ||
| Average total assets | $178,918,500 | 3,399 |
| Average earning assets | $169,198,500 | 3,300 |
| Average equity | $15,290,000 | 3,936 |
| Average total loans | $80,577,500 | 4,110 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 4,481 |
| Cost of funding earning assets | 0.3344% | 7,047 |
| Net interest margin | 4.3089% | 1,673 |
| Noninterest income to average assets | 0.7792% | 2,171 |
| Noninterest expense to average assets | 2.6164% | 5,033 |
| Loan and lease loss provision to assets | 0.1310% | 4,977 |
| Net operating income to assets | 1.6198% | 640 |
| Return on assets (ROA) | 1.6299% | 681 |
| Pretax return on assets | 2.1320% | 424 |
| Return on Equity (ROE) | 18.6480% | 338 |
| Retained earnings to average equity (ytd only) | 6.3339% | 1,836 |
| Net charge-offs to loans | 0.1645% | 4,836 |
| Credit loss provision to net charge-offs | 171.4286% | 1,559 |
| Earnings coverage of net charge-offs (x) | 29.4444% | 857 |
| Efficiency ratio | 53.7695% | 6,534 |
| Assets per employee ($millions) | 4.8351% | 2,401 |
| Cash dividends to net income (ytd only)* | 66.0342% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5239% | 3,913 |
| Loan loss allowance to noncurrent loans | 136.3122% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7342% | 5,176 |
| Noncurrent loans to loans | 1.1179% | 4,483 |
| Net loans and leases to total assets | 44.7356% | 6,140 |
| Net loans and leases to deposits | 49.4425% | 6,402 |
| Net loans and leases to core deposits | 59.1418% | 5,920 |
| Total domestic deposits to total assets | 90.4800% | 733 |
| Equity capital to assets | 8.7605% | 5,836 |
| Core capital (leverage) ratio | 8.0135% | 6,250 |
| Tier 1 risk-based capital ratio | 14.0166% | 4,316 |
| Total risk-based capital ratio | 15.2556% | 4,278 |
| Memoranda: | ||
| Average total assets | $164,919,200 | 3,569 |
| Average earning assets | $156,420,000 | 3,464 |
| Average equity | $14,414,400 | 4,026 |
| Average total loans | $76,578,000 | 4,250 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6548% | 4,658 |
| Cost of funding earning assets | 0.3571% | 7,109 |
| Net interest margin | 4.2977% | 1,723 |
| Noninterest income to average assets | 0.6862% | 2,691 |
| Noninterest expense to average assets | 2.6398% | 4,939 |
| Loan and lease loss provision to assets | 0.1156% | 4,986 |
| Net operating income to assets | 1.5552% | 836 |
| Return on assets (ROA) | 1.5552% | 912 |
| Pretax return on assets | 2.0151% | 610 |
| Return on Equity (ROE) | 17.8046% | 474 |
| Retained earnings to average equity (ytd only) | 5.8378% | 2,644 |
| Net charge-offs to loans | 0.0702% | 5,258 |
| Credit loss provision to net charge-offs | 352.5000% | 804 |
| Earnings coverage of net charge-offs (x) | 64.9775% | 504 |
| Efficiency ratio | 55.3360% | 6,358 |
| Assets per employee ($millions) | 4.7795% | 2,507 |
| Cash dividends to net income (ytd only)* | 67.2115% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 3,763 |
| Loan loss allowance to noncurrent loans | 2,965.8537% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 6,378 |
| Noncurrent loans to loans | 0.0532% | 6,801 |
| Net loans and leases to total assets | 44.0780% | 6,327 |
| Net loans and leases to deposits | 49.1179% | 6,558 |
| Net loans and leases to core deposits | 59.0193% | 6,056 |
| Total domestic deposits to total assets | 89.7391% | 1,014 |
| Equity capital to assets | 8.7893% | 5,990 |
| Core capital (leverage) ratio | 8.2370% | 6,079 |
| Tier 1 risk-based capital ratio | 14.3528% | 4,089 |
| Total risk-based capital ratio | 15.6087% | 4,046 |
| Memoranda: | ||
| Average total assets | $162,632,750 | 3,628 |
| Average earning assets | $154,559,250 | 3,520 |
| Average equity | $14,205,750 | 4,089 |
| Average total loans | $75,954,000 | 4,317 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6845% | 4,604 |
| Cost of funding earning assets | 0.3873% | 7,158 |
| Net interest margin | 4.2972% | 1,666 |
| Noninterest income to average assets | 0.4840% | 3,990 |
| Noninterest expense to average assets | 2.6409% | 5,036 |
| Loan and lease loss provision to assets | 0.1241% | 4,735 |
| Net operating income to assets | 1.4245% | 1,036 |
| Return on assets (ROA) | 1.4245% | 1,097 |
| Pretax return on assets | 1.8095% | 865 |
| Return on Equity (ROE) | 16.3453% | 629 |
| Retained earnings to average equity (ytd only) | 4.8345% | 3,097 |
| Net charge-offs to loans | 0.0767% | 4,872 |
| Credit loss provision to net charge-offs | 341.3793% | 896 |
| Earnings coverage of net charge-offs (x) | 53.1724% | 596 |
| Efficiency ratio | 57.7303% | 6,200 |
| Assets per employee ($millions) | 4.4200% | 2,961 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 4,068 |
| Loan loss allowance to noncurrent loans | 2,823.8095% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 6,410 |
| Noncurrent loans to loans | 0.0536% | 6,850 |
| Net loans and leases to total assets | 47.1777% | 6,130 |
| Net loans and leases to deposits | 53.1283% | 6,379 |
| Net loans and leases to core deposits | 65.8474% | 5,534 |
| Total domestic deposits to total assets | 88.7996% | 1,668 |
| Equity capital to assets | 8.8199% | 5,796 |
| Core capital (leverage) ratio | 8.1861% | 6,055 |
| Tier 1 risk-based capital ratio | 14.2638% | 3,966 |
| Total risk-based capital ratio | 15.5162% | 3,942 |
| Memoranda: | ||
| Average total assets | $159,490,000 | 3,691 |
| Average earning assets | $151,819,000 | 3,599 |
| Average equity | $13,900,000 | 4,142 |
| Average total loans | $75,586,330 | 4,363 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7148% | 4,455 |
| Cost of funding earning assets | 0.4150% | 7,196 |
| Net interest margin | 4.2998% | 1,562 |
| Noninterest income to average assets | 1.0898% | 1,105 |
| Noninterest expense to average assets | 2.7612% | 4,597 |
| Loan and lease loss provision to assets | 0.1169% | 4,546 |
| Net operating income to assets | 1.7401% | 544 |
| Return on assets (ROA) | 1.7401% | 571 |
| Pretax return on assets | 2.2913% | 352 |
| Return on Equity (ROE) | 20.0909% | 325 |
| Retained earnings to average equity (ytd only) | 8.3590% | 1,598 |
| Net charge-offs to loans | -0.0216% | 6,588 |
| Credit loss provision to net charge-offs | -1,150.0000% | 6,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4152% | 6,751 |
| Assets per employee ($millions) | 4.3270% | 3,189 |
| Cash dividends to net income (ytd only)* | 58.3942% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 3,873 |
| Loan loss allowance to noncurrent loans | 23,320.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 5,818 |
| Noncurrent loans to loans | 0.0067% | 7,069 |
| Net loans and leases to total assets | 45.6820% | 6,314 |
| Net loans and leases to deposits | 50.4105% | 6,596 |
| Net loans and leases to core deposits | 62.4747% | 5,881 |
| Total domestic deposits to total assets | 90.6201% | 790 |
| Equity capital to assets | 8.6716% | 5,690 |
| Core capital (leverage) ratio | 8.2006% | 5,968 |
| Tier 1 risk-based capital ratio | 14.6752% | 3,629 |
| Total risk-based capital ratio | 15.9288% | 3,583 |
| Memoranda: | ||
| Average total assets | $157,465,500 | 3,751 |
| Average earning assets | $149,401,500 | 3,655 |
| Average equity | $13,638,000 | 4,182 |
| Average total loans | $74,209,500 | 4,453 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9687% | 4,698 |
| Cost of funding earning assets | 0.6048% | 7,118 |
| Net interest margin | 4.3639% | 1,604 |
| Noninterest income to average assets | 1.2446% | 965 |
| Noninterest expense to average assets | 2.8963% | 4,240 |
| Loan and lease loss provision to assets | 0.1018% | 6,127 |
| Net operating income to assets | 1.7570% | 457 |
| Return on assets (ROA) | 1.7570% | 502 |
| Pretax return on assets | 2.3643% | 230 |
| Return on Equity (ROE) | 18.4925% | 344 |
| Retained earnings to average equity (ytd only) | 5.0092% | 2,403 |
| Net charge-offs to loans | 0.1811% | 5,229 |
| Credit loss provision to net charge-offs | 116.9355% | 3,665 |
| Earnings coverage of net charge-offs (x) | 28.3306% | 767 |
| Efficiency ratio | 54.0123% | 6,807 |
| Assets per employee ($millions) | 4.1847% | 3,408 |
| Cash dividends to net income (ytd only)* | 72.9125% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 3,974 |
| Loan loss allowance to noncurrent loans | 18,600.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 5,790 |
| Noncurrent loans to loans | 0.0081% | 7,145 |
| Net loans and leases to total assets | 47.1482% | 6,463 |
| Net loans and leases to deposits | 51.9332% | 6,749 |
| Net loans and leases to core deposits | 63.4620% | 6,103 |
| Total domestic deposits to total assets | 90.7862% | 700 |
| Equity capital to assets | 8.6500% | 5,656 |
| Core capital (leverage) ratio | 8.6249% | 5,152 |
| Tier 1 risk-based capital ratio | 14.4505% | 3,581 |
| Total risk-based capital ratio | 15.7028% | 3,533 |
| Memoranda: | ||
| Average total assets | $142,455,200 | 4,015 |
| Average earning assets | $134,421,400 | 3,921 |
| Average equity | $13,535,200 | 4,254 |
| Average total loans | $68,451,600 | 4,738 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9968% | 4,828 |
| Cost of funding earning assets | 0.6404% | 7,201 |
| Net interest margin | 4.3564% | 1,657 |
| Noninterest income to average assets | 1.2409% | 890 |
| Noninterest expense to average assets | 2.9037% | 4,075 |
| Loan and lease loss provision to assets | 0.0928% | 6,101 |
| Net operating income to assets | 1.7403% | 575 |
| Return on assets (ROA) | 1.7403% | 627 |
| Pretax return on assets | 2.3449% | 306 |
| Return on Equity (ROE) | 17.8713% | 490 |
| Retained earnings to average equity (ytd only) | 3.3798% | 4,070 |
| Net charge-offs to loans | 0.1730% | 4,928 |
| Credit loss provision to net charge-offs | 111.4943% | 3,795 |
| Earnings coverage of net charge-offs (x) | 29.2866% | 893 |
| Efficiency ratio | 54.3615% | 6,756 |
| Assets per employee ($millions) | 3.9028% | 4,033 |
| Cash dividends to net income (ytd only)* | 81.0887% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6051% | 3,507 |
| Loan loss allowance to noncurrent loans | 455.1440% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.8563% | 5,385 |
| Noncurrent loans to loans | 0.3526% | 6,494 |
| Net loans and leases to total assets | 45.7167% | 6,722 |
| Net loans and leases to deposits | 52.2406% | 6,882 |
| Net loans and leases to core deposits | 63.8289% | 6,312 |
| Total domestic deposits to total assets | 87.5117% | 2,256 |
| Equity capital to assets | 9.5188% | 4,814 |
| Core capital (leverage) ratio | 8.8895% | 4,864 |
| Tier 1 risk-based capital ratio | 14.6742% | 3,412 |
| Total risk-based capital ratio | 15.9297% | 3,384 |
| Memoranda: | ||
| Average total assets | $139,360,750 | 4,116 |
| Average earning assets | $131,174,750 | 4,042 |
| Average equity | $13,570,750 | 4,310 |
| Average total loans | $67,035,250 | 4,861 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0766% | 4,581 |
| Cost of funding earning assets | 0.6457% | 7,309 |
| Net interest margin | 4.4309% | 1,368 |
| Noninterest income to average assets | 1.2583% | 814 |
| Noninterest expense to average assets | 2.8787% | 4,154 |
| Loan and lease loss provision to assets | 0.0689% | 6,264 |
| Net operating income to assets | 1.8302% | 458 |
| Return on assets (ROA) | 1.8302% | 497 |
| Pretax return on assets | 2.4769% | 243 |
| Return on Equity (ROE) | 18.6426% | 416 |
| Retained earnings to average equity (ytd only) | 4.0781% | 3,486 |
| Net charge-offs to loans | 0.1024% | 5,126 |
| Credit loss provision to net charge-offs | 138.2353% | 2,900 |
| Earnings coverage of net charge-offs (x) | 51.0588% | 582 |
| Efficiency ratio | 53.0684% | 6,972 |
| Assets per employee ($millions) | 3.8180% | 4,180 |
| Cash dividends to net income (ytd only)* | 78.1250% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6985% | 3,090 |
| Loan loss allowance to noncurrent loans | 574.6114% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.7814% | 5,558 |
| Noncurrent loans to loans | 0.2956% | 6,639 |
| Net loans and leases to total assets | 46.6977% | 6,728 |
| Net loans and leases to deposits | 52.2309% | 6,963 |
| Net loans and leases to core deposits | 61.4175% | 6,604 |
| Total domestic deposits to total assets | 89.4062% | 1,222 |
| Equity capital to assets | 9.8597% | 4,184 |
| Core capital (leverage) ratio | 9.1159% | 4,437 |
| Tier 1 risk-based capital ratio | 15.7578% | 2,773 |
| Total risk-based capital ratio | 17.0150% | 2,738 |
| Memoranda: | ||
| Average total assets | $136,378,670 | 4,201 |
| Average earning assets | $128,235,000 | 4,128 |
| Average equity | $13,388,670 | 4,354 |
| Average total loans | $66,411,330 | 4,921 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0472% | 4,797 |
| Cost of funding earning assets | 0.6411% | 7,467 |
| Net interest margin | 4.4061% | 1,374 |
| Noninterest income to average assets | 1.1955% | 855 |
| Noninterest expense to average assets | 2.8709% | 4,183 |
| Loan and lease loss provision to assets | 0.0883% | 5,752 |
| Net operating income to assets | 1.7726% | 527 |
| Return on assets (ROA) | 1.7726% | 577 |
| Pretax return on assets | 2.3851% | 297 |
| Return on Equity (ROE) | 18.0957% | 509 |
| Retained earnings to average equity (ytd only) | 3.8175% | 3,852 |
| Net charge-offs to loans | 0.1314% | 4,170 |
| Credit loss provision to net charge-offs | 136.3636% | 2,587 |
| Earnings coverage of net charge-offs (x) | 38.1818% | 719 |
| Efficiency ratio | 53.7190% | 6,998 |
| Assets per employee ($millions) | 3.7391% | 4,468 |
| Cash dividends to net income (ytd only)* | 78.9037% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 3,208 |
| Loan loss allowance to noncurrent loans | 301.6393% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.2646% | 6,809 |
| Noncurrent loans to loans | 0.5506% | 6,193 |
| Net loans and leases to total assets | 47.2526% | 6,734 |
| Net loans and leases to deposits | 53.8111% | 6,928 |
| Net loans and leases to core deposits | 63.0569% | 6,521 |
| Total domestic deposits to total assets | 87.8119% | 2,169 |
| Equity capital to assets | 9.6611% | 4,287 |
| Core capital (leverage) ratio | 8.9989% | 4,575 |
| Tier 1 risk-based capital ratio | 15.5118% | 2,861 |
| Total risk-based capital ratio | 16.7661% | 2,805 |
| Memoranda: | ||
| Average total assets | $135,844,000 | 4,280 |
| Average earning assets | $127,912,500 | 4,194 |
| Average equity | $13,307,000 | 4,404 |
| Average total loans | $66,970,000 | 4,966 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3188% | 5,088 |
| Cost of funding earning assets | 0.6727% | 7,717 |
| Net interest margin | 4.6461% | 907 |
| Noninterest income to average assets | 1.3714% | 782 |
| Noninterest expense to average assets | 3.1511% | 3,544 |
| Loan and lease loss provision to assets | 0.1851% | 5,859 |
| Net operating income to assets | 1.7591% | 390 |
| Return on assets (ROA) | 1.8066% | 367 |
| Pretax return on assets | 2.4561% | 169 |
| Return on Equity (ROE) | 19.0156% | 305 |
| Retained earnings to average equity (ytd only) | 5.4611% | 1,598 |
| Net charge-offs to loans | 0.0575% | 6,517 |
| Credit loss provision to net charge-offs | 635.8974% | 461 |
| Earnings coverage of net charge-offs (x) | 88.5128% | 311 |
| Efficiency ratio | 55.0111% | 7,129 |
| Assets per employee ($millions) | 3.4190% | 5,211 |
| Cash dividends to net income (ytd only)* | 71.2810% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6231% | 3,183 |
| Loan loss allowance to noncurrent loans | 313.7536% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 6,794 |
| Noncurrent loans to loans | 0.5173% | 6,217 |
| Net loans and leases to total assets | 49.7735% | 6,667 |
| Net loans and leases to deposits | 55.7663% | 6,934 |
| Net loans and leases to core deposits | 70.8681% | 6,717 |
| Total domestic deposits to total assets | 89.2538% | 1,353 |
| Equity capital to assets | 9.9355% | 3,856 |
| Core capital (leverage) ratio | 9.3180% | 3,951 |
| Tier 1 risk-based capital ratio | 15.3452% | 2,785 |
| Total risk-based capital ratio | 16.5995% | 2,735 |
| Memoranda: | ||
| Average total assets | $133,954,200 | 4,264 |
| Average earning assets | $125,611,200 | 4,181 |
| Average equity | $12,726,400 | 4,581 |
| Average total loans | $67,783,800 | 4,947 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3488% | 5,180 |
| Cost of funding earning assets | 0.6918% | 7,820 |
| Net interest margin | 4.6570% | 897 |
| Noninterest income to average assets | 1.3531% | 826 |
| Noninterest expense to average assets | 3.0780% | 3,732 |
| Loan and lease loss provision to assets | 0.1819% | 5,546 |
| Net operating income to assets | 1.7975% | 444 |
| Return on assets (ROA) | 1.8323% | 439 |
| Pretax return on assets | 2.5044% | 191 |
| Return on Equity (ROE) | 19.5083% | 339 |
| Retained earnings to average equity (ytd only) | 10.5110% | 544 |
| Net charge-offs to loans | 0.0413% | 6,322 |
| Credit loss provision to net charge-offs | 871.4286% | 433 |
| Earnings coverage of net charge-offs (x) | 126.3779% | 297 |
| Efficiency ratio | 53.8435% | 7,251 |
| Assets per employee ($millions) | 3.4716% | 4,996 |
| Cash dividends to net income (ytd only)* | 46.1207% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 3,342 |
| Loan loss allowance to noncurrent loans | 478.0822% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 7,118 |
| Noncurrent loans to loans | 0.3171% | 6,722 |
| Net loans and leases to total assets | 51.5615% | 6,648 |
| Net loans and leases to deposits | 60.2697% | 6,814 |
| Net loans and leases to core deposits | 73.9415% | 6,730 |
| Total domestic deposits to total assets | 85.5513% | 2,944 |
| Equity capital to assets | 10.4099% | 3,603 |
| Core capital (leverage) ratio | 9.5479% | 3,845 |
| Tier 1 risk-based capital ratio | 15.6279% | 2,761 |
| Total risk-based capital ratio | 16.8825% | 2,701 |
| Memoranda: | ||
| Average total assets | $134,107,750 | 4,281 |
| Average earning assets | $125,657,500 | 4,215 |
| Average equity | $12,596,000 | 4,634 |
| Average total loans | $67,864,000 | 4,990 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2516% | 5,860 |
| Cost of funding earning assets | 0.7380% | 7,888 |
| Net interest margin | 4.5136% | 1,140 |
| Noninterest income to average assets | 1.2801% | 930 |
| Noninterest expense to average assets | 3.0259% | 3,984 |
| Loan and lease loss provision to assets | 0.1231% | 5,879 |
| Net operating income to assets | 1.7146% | 549 |
| Return on assets (ROA) | 1.7666% | 542 |
| Pretax return on assets | 2.4296% | 238 |
| Return on Equity (ROE) | 19.4974% | 370 |
| Retained earnings to average equity (ytd only) | 12.9492% | 340 |
| Net charge-offs to loans | 0.0445% | 5,843 |
| Credit loss provision to net charge-offs | 553.3333% | 839 |
| Earnings coverage of net charge-offs (x) | 111.5333% | 343 |
| Efficiency ratio | 54.9421% | 7,235 |
| Assets per employee ($millions) | 3.5692% | 4,645 |
| Cash dividends to net income (ytd only)* | 33.5852% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 3,673 |
| 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 | 49.1407% | 6,946 |
| Net loans and leases to deposits | 54.6707% | 7,235 |
| Net loans and leases to core deposits | 65.9891% | 7,214 |
| Total domestic deposits to total assets | 89.8849% | 875 |
| Equity capital to assets | 9.3844% | 4,767 |
| Core capital (leverage) ratio | 9.0259% | 4,585 |
| Tier 1 risk-based capital ratio | 15.6189% | 2,761 |
| Total risk-based capital ratio | 16.8494% | 2,703 |
| Memoranda: | ||
| Average total assets | $134,836,330 | 4,284 |
| Average earning assets | $126,285,670 | 4,223 |
| Average equity | $12,217,000 | 4,756 |
| Average total loans | $67,462,670 | 5,048 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1740% | 6,398 |
| Cost of funding earning assets | 0.8014% | 7,909 |
| Net interest margin | 4.3726% | 1,415 |
| Noninterest income to average assets | 1.2050% | 990 |
| Noninterest expense to average assets | 2.9307% | 4,055 |
| Loan and lease loss provision to assets | 0.1339% | 5,246 |
| Net operating income to assets | 1.6013% | 786 |
| Return on assets (ROA) | 1.6870% | 728 |
| Pretax return on assets | 2.3505% | 333 |
| Return on Equity (ROE) | 18.9608% | 508 |
| Retained earnings to average equity (ytd only) | 5.5846% | 2,830 |
| Net charge-offs to loans | 0.1662% | 3,637 |
| Credit loss provision to net charge-offs | 160.7143% | 2,638 |
| Earnings coverage of net charge-offs (x) | 28.3929% | 1,105 |
| Efficiency ratio | 55.3371% | 7,065 |
| Assets per employee ($millions) | 3.6527% | 4,440 |
| Cash dividends to net income (ytd only)* | 70.5467% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 3,705 |
| Loan loss allowance to noncurrent loans | 496.1538% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 7,194 |
| Noncurrent loans to loans | 0.2753% | 6,751 |
| Net loans and leases to total assets | 46.9864% | 7,105 |
| Net loans and leases to deposits | 53.1706% | 7,333 |
| Net loans and leases to core deposits | 65.2944% | 7,265 |
| Total domestic deposits to total assets | 88.3690% | 1,534 |
| Equity capital to assets | 8.7102% | 5,751 |
| Core capital (leverage) ratio | 8.7107% | 5,133 |
| Tier 1 risk-based capital ratio | 14.7677% | 3,172 |
| Total risk-based capital ratio | 15.9305% | 3,143 |
| Memoranda: | ||
| Average total assets | $134,440,000 | 4,318 |
| Average earning assets | $125,782,000 | 4,247 |
| Average equity | $11,961,500 | 4,845 |
| Average total loans | $67,393,000 | 5,078 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9316% | 5,894 |
| Cost of funding earning assets | 1.6194% | 7,406 |
| Net interest margin | 4.3122% | 1,937 |
| Noninterest income to average assets | 1.2904% | 880 |
| Noninterest expense to average assets | 2.8549% | 4,582 |
| Loan and lease loss provision to assets | 0.1087% | 5,982 |
| Net operating income to assets | 1.6583% | 736 |
| Return on assets (ROA) | 1.6593% | 702 |
| Pretax return on assets | 2.3252% | 287 |
| Return on Equity (ROE) | 19.1313% | 445 |
| Retained earnings to average equity (ytd only) | 3.6886% | 2,853 |
| Net charge-offs to loans | 0.0537% | 6,021 |
| Credit loss provision to net charge-offs | 394.4444% | 1,117 |
| Earnings coverage of net charge-offs (x) | 88.2778% | 476 |
| Efficiency ratio | 53.9954% | 7,269 |
| Assets per employee ($millions) | 3.4231% | 4,873 |
| Cash dividends to net income (ytd only)* | 80.7196% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 3,851 |
| Loan loss allowance to noncurrent loans | 1,093.8272% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 7,316 |
| Noncurrent loans to loans | 0.1180% | 7,058 |
| Net loans and leases to total assets | 52.1064% | 6,839 |
| Net loans and leases to deposits | 57.7728% | 7,217 |
| Net loans and leases to core deposits | 69.5540% | 7,217 |
| Total domestic deposits to total assets | 90.1920% | 578 |
| Equity capital to assets | 9.0968% | 5,231 |
| Core capital (leverage) ratio | 8.7039% | 5,188 |
| Tier 1 risk-based capital ratio | 14.7398% | 3,181 |
| Total risk-based capital ratio | 15.8944% | 3,151 |
| Memoranda: | ||
| Average total assets | $130,654,400 | 4,267 |
| Average earning assets | $121,097,400 | 4,231 |
| Average equity | $11,332,200 | 5,030 |
| Average total loans | $66,989,800 | 4,977 |