Home > First Financial Bank > Performance and Condition Ratios
First Financial Bank, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9981% | 5,523 |
| Cost of funding earning assets | 0.1582% | 7,019 |
| Net interest margin | 3.8400% | 3,160 |
| Noninterest income to average assets | 0.8837% | 1,893 |
| Noninterest expense to average assets | 1.9203% | 6,487 |
| Loan and lease loss provision to assets | 0.0184% | 5,571 |
| Net operating income to assets | 1.8566% | 509 |
| Return on assets (ROA) | 1.8878% | 544 |
| Pretax return on assets | 2.4964% | 290 |
| Return on Equity (ROE) | 15.9083% | 754 |
| Retained earnings to average equity (ytd only) | -0.8699% | 6,255 |
| Net charge-offs to loans | 0.0980% | 4,404 |
| Credit loss provision to net charge-offs | 56.0748% | 4,256 |
| Earnings coverage of net charge-offs (x) | 75.4783% | 543 |
| Efficiency ratio | 43.7016% | 6,906 |
| Assets per employee ($millions) | 6.2998% | 1,066 |
| Cash dividends to net income (ytd only)* | 105.4681% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5677% | 3,661 |
| Loan loss allowance to noncurrent loans | 804.9342% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 6,508 |
| Noncurrent loans to loans | 0.1948% | 6,123 |
| Net loans and leases to total assets | 34.3491% | 6,641 |
| Net loans and leases to deposits | 39.8138% | 6,680 |
| Net loans and leases to core deposits | 42.4278% | 6,658 |
| Total domestic deposits to total assets | 86.2743% | 3,104 |
| Equity capital to assets | 11.6727% | 2,563 |
| Core capital (leverage) ratio | 8.4605% | 5,806 |
| Tier 1 risk-based capital ratio | 16.3201% | 3,102 |
| Total risk-based capital ratio | 17.4287% | 3,146 |
| Memoranda: | ||
| Average total assets | $435,274,250 | 1,530 |
| Average earning assets | $397,909,500 | 1,530 |
| Average equity | $51,653,000 | 1,382 |
| Average total loans | $145,590,250 | 2,666 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0178% | 5,596 |
| Cost of funding earning assets | 0.1699% | 7,077 |
| Net interest margin | 3.8479% | 3,143 |
| Noninterest income to average assets | 0.8398% | 2,008 |
| Noninterest expense to average assets | 1.9208% | 6,563 |
| Loan and lease loss provision to assets | 0.0278% | 5,321 |
| Net operating income to assets | 1.8229% | 538 |
| Return on assets (ROA) | 1.8285% | 603 |
| Pretax return on assets | 2.4064% | 341 |
| Return on Equity (ROE) | 15.3223% | 885 |
| Retained earnings to average equity (ytd only) | -1.3873% | 6,269 |
| Net charge-offs to loans | 0.1239% | 3,935 |
| Credit loss provision to net charge-offs | 68.1818% | 3,609 |
| Earnings coverage of net charge-offs (x) | 59.4659% | 641 |
| Efficiency ratio | 44.1813% | 6,950 |
| Assets per employee ($millions) | 6.2321% | 1,102 |
| Cash dividends to net income (ytd only)* | 109.0540% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7121% | 3,177 |
| Loan loss allowance to noncurrent loans | 493.4000% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 6,393 |
| Noncurrent loans to loans | 0.3470% | 5,853 |
| Net loans and leases to total assets | 32.0066% | 6,806 |
| Net loans and leases to deposits | 38.7621% | 6,772 |
| Net loans and leases to core deposits | 42.1583% | 6,729 |
| Total domestic deposits to total assets | 82.5720% | 4,923 |
| Equity capital to assets | 11.7009% | 2,415 |
| Core capital (leverage) ratio | 8.8541% | 5,120 |
| Tier 1 risk-based capital ratio | 16.1495% | 3,094 |
| Total risk-based capital ratio | 17.2590% | 3,134 |
| Memoranda: | ||
| Average total assets | $431,271,000 | 1,542 |
| Average earning assets | $393,148,330 | 1,545 |
| Average equity | $51,467,330 | 1,383 |
| Average total loans | $142,092,000 | 2,739 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 5,452 |
| Cost of funding earning assets | 0.1810% | 7,130 |
| Net interest margin | 3.9198% | 2,840 |
| Noninterest income to average assets | 0.8251% | 2,045 |
| Noninterest expense to average assets | 1.9386% | 6,569 |
| Loan and lease loss provision to assets | 0.0564% | 4,700 |
| Net operating income to assets | 1.8136% | 585 |
| Return on assets (ROA) | 1.8136% | 657 |
| Pretax return on assets | 2.3906% | 399 |
| Return on Equity (ROE) | 15.0446% | 964 |
| Retained earnings to average equity (ytd only) | -1.3252% | 6,197 |
| Net charge-offs to loans | 0.0170% | 4,445 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 434.0000% | 61 |
| Efficiency ratio | 44.2040% | 6,979 |
| Assets per employee ($millions) | 6.0770% | 1,231 |
| Cash dividends to net income (ytd only)* | 108.8083% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8491% | 2,844 |
| Loan loss allowance to noncurrent loans | 549.5690% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 6,462 |
| Noncurrent loans to loans | 0.3365% | 5,997 |
| Net loans and leases to total assets | 31.3714% | 6,860 |
| Net loans and leases to deposits | 36.5735% | 6,869 |
| Net loans and leases to core deposits | 39.7888% | 6,820 |
| Total domestic deposits to total assets | 85.7763% | 3,648 |
| Equity capital to assets | 11.8451% | 2,151 |
| Core capital (leverage) ratio | 9.0455% | 4,770 |
| Tier 1 risk-based capital ratio | 17.4415% | 2,498 |
| Total risk-based capital ratio | 18.6761% | 2,475 |
| Memoranda: | ||
| Average total assets | $425,668,000 | 1,564 |
| Average earning assets | $386,653,500 | 1,570 |
| Average equity | $51,314,000 | 1,382 |
| Average total loans | $141,093,500 | 2,769 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5325% | 4,945 |
| Cost of funding earning assets | 0.2584% | 7,168 |
| Net interest margin | 4.2742% | 1,790 |
| Noninterest income to average assets | 0.8568% | 1,815 |
| Noninterest expense to average assets | 2.1016% | 6,492 |
| Loan and lease loss provision to assets | 0.0717% | 5,719 |
| Net operating income to assets | 1.9263% | 361 |
| Return on assets (ROA) | 1.9353% | 379 |
| Pretax return on assets | 2.5740% | 185 |
| Return on Equity (ROE) | 15.4909% | 678 |
| Retained earnings to average equity (ytd only) | 1.1400% | 5,324 |
| Net charge-offs to loans | 0.0935% | 5,406 |
| Credit loss provision to net charge-offs | 215.0376% | 1,134 |
| Earnings coverage of net charge-offs (x) | 78.9699% | 375 |
| Efficiency ratio | 44.3815% | 7,109 |
| Assets per employee ($millions) | 5.8315% | 1,345 |
| Cash dividends to net income (ytd only)* | 92.6406% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7293% | 3,095 |
| Loan loss allowance to noncurrent loans | 510.2249% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 6,456 |
| Noncurrent loans to loans | 0.3389% | 6,051 |
| Net loans and leases to total assets | 33.7689% | 6,877 |
| Net loans and leases to deposits | 39.8320% | 6,891 |
| Net loans and leases to core deposits | 43.4101% | 6,839 |
| Total domestic deposits to total assets | 84.7782% | 3,971 |
| Equity capital to assets | 12.2706% | 1,928 |
| Core capital (leverage) ratio | 9.3081% | 4,316 |
| Tier 1 risk-based capital ratio | 17.0649% | 2,571 |
| Total risk-based capital ratio | 18.2455% | 2,561 |
| Memoranda: | ||
| Average total assets | $398,798,000 | 1,627 |
| Average earning assets | $361,871,600 | 1,635 |
| Average equity | $49,822,800 | 1,369 |
| Average total loans | $142,262,600 | 2,750 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6145% | 4,812 |
| Cost of funding earning assets | 0.2793% | 7,242 |
| Net interest margin | 4.3352% | 1,600 |
| Noninterest income to average assets | 0.8643% | 1,779 |
| Noninterest expense to average assets | 2.1399% | 6,428 |
| Loan and lease loss provision to assets | 0.0630% | 5,665 |
| Net operating income to assets | 1.9512% | 380 |
| Return on assets (ROA) | 1.9624% | 406 |
| Pretax return on assets | 2.6146% | 200 |
| Return on Equity (ROE) | 15.6330% | 729 |
| Retained earnings to average equity (ytd only) | 3.0823% | 4,492 |
| Net charge-offs to loans | -0.0085% | 6,762 |
| Credit loss provision to net charge-offs | -2,066.6667% | 6,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5573% | 7,128 |
| Assets per employee ($millions) | 5.4327% | 1,664 |
| Cash dividends to net income (ytd only)* | 80.2833% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7868% | 2,991 |
| Loan loss allowance to noncurrent loans | 743.9883% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 6,586 |
| Noncurrent loans to loans | 0.2402% | 6,392 |
| Net loans and leases to total assets | 34.2241% | 6,941 |
| Net loans and leases to deposits | 40.7268% | 6,951 |
| Net loans and leases to core deposits | 44.4674% | 6,905 |
| Total domestic deposits to total assets | 84.0336% | 4,214 |
| Equity capital to assets | 12.7626% | 1,748 |
| Core capital (leverage) ratio | 9.6488% | 3,922 |
| Tier 1 risk-based capital ratio | 18.0201% | 2,244 |
| Total risk-based capital ratio | 19.1834% | 2,241 |
| Memoranda: | ||
| Average total assets | $393,531,000 | 1,660 |
| Average earning assets | $357,500,250 | 1,660 |
| Average equity | $49,398,500 | 1,382 |
| Average total loans | $141,758,500 | 2,780 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 4,565 |
| Cost of funding earning assets | 0.3002% | 7,308 |
| Net interest margin | 4.3911% | 1,394 |
| Noninterest income to average assets | 0.8007% | 2,009 |
| Noninterest expense to average assets | 2.1723% | 6,448 |
| Loan and lease loss provision to assets | 0.0957% | 5,132 |
| Net operating income to assets | 1.9023% | 411 |
| Return on assets (ROA) | 1.9193% | 417 |
| Pretax return on assets | 2.5426% | 229 |
| Return on Equity (ROE) | 15.3800% | 736 |
| Retained earnings to average equity (ytd only) | 3.0166% | 4,356 |
| Net charge-offs to loans | -0.0155% | 6,773 |
| Credit loss provision to net charge-offs | -1,690.9091% | 6,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3706% | 7,184 |
| Assets per employee ($millions) | 4.8579% | 2,326 |
| Cash dividends to net income (ytd only)* | 80.3859% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7838% | 3,049 |
| Loan loss allowance to noncurrent loans | 654.6392% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 6,564 |
| Noncurrent loans to loans | 0.2725% | 6,379 |
| Net loans and leases to total assets | 35.5414% | 6,983 |
| Net loans and leases to deposits | 41.7729% | 6,999 |
| Net loans and leases to core deposits | 45.8394% | 6,946 |
| Total domestic deposits to total assets | 85.0825% | 3,842 |
| Equity capital to assets | 12.7663% | 1,644 |
| Core capital (leverage) ratio | 9.6772% | 3,691 |
| Tier 1 risk-based capital ratio | 19.0807% | 1,816 |
| Total risk-based capital ratio | 20.3360% | 1,780 |
| Memoranda: | ||
| Average total assets | $388,889,670 | 1,687 |
| Average earning assets | $353,123,670 | 1,695 |
| Average equity | $48,530,670 | 1,393 |
| Average total loans | $141,683,000 | 2,808 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7426% | 4,323 |
| Cost of funding earning assets | 0.3292% | 7,354 |
| Net interest margin | 4.4134% | 1,249 |
| Noninterest income to average assets | 0.7967% | 2,050 |
| Noninterest expense to average assets | 2.2318% | 6,354 |
| Loan and lease loss provision to assets | 0.1304% | 4,370 |
| Net operating income to assets | 1.8575% | 438 |
| Return on assets (ROA) | 1.8583% | 461 |
| Pretax return on assets | 2.4450% | 263 |
| Return on Equity (ROE) | 15.0674% | 812 |
| Retained earnings to average equity (ytd only) | 2.4833% | 4,663 |
| Net charge-offs to loans | -0.0170% | 6,522 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4370% | 7,187 |
| Assets per employee ($millions) | 5.0614% | 2,078 |
| Cash dividends to net income (ytd only)* | 83.5189% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8274% | 2,927 |
| Loan loss allowance to noncurrent loans | 521.9409% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 6,564 |
| Noncurrent loans to loans | 0.3501% | 6,289 |
| Net loans and leases to total assets | 34.1025% | 7,090 |
| Net loans and leases to deposits | 40.7352% | 7,068 |
| Net loans and leases to core deposits | 44.7058% | 7,019 |
| Total domestic deposits to total assets | 83.7175% | 4,612 |
| Equity capital to assets | 12.3672% | 1,705 |
| Core capital (leverage) ratio | 9.5464% | 3,733 |
| Tier 1 risk-based capital ratio | 18.8437% | 1,853 |
| Total risk-based capital ratio | 20.0962% | 1,812 |
| Memoranda: | ||
| Average total assets | $386,589,500 | 1,706 |
| Average earning assets | $351,202,500 | 1,710 |
| Average equity | $47,679,000 | 1,407 |
| Average total loans | $141,328,500 | 2,861 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9492% | 4,790 |
| Cost of funding earning assets | 0.4764% | 7,332 |
| Net interest margin | 4.4727% | 1,294 |
| Noninterest income to average assets | 0.9831% | 1,564 |
| Noninterest expense to average assets | 2.3497% | 6,218 |
| Loan and lease loss provision to assets | 0.1491% | 5,704 |
| Net operating income to assets | 1.8971% | 339 |
| Return on assets (ROA) | 1.9318% | 336 |
| Pretax return on assets | 2.5549% | 172 |
| Return on Equity (ROE) | 14.4571% | 803 |
| Retained earnings to average equity (ytd only) | 0.8203% | 5,143 |
| Net charge-offs to loans | 0.2106% | 5,027 |
| Credit loss provision to net charge-offs | 181.2081% | 1,824 |
| Earnings coverage of net charge-offs (x) | 32.3121% | 690 |
| Efficiency ratio | 46.9184% | 7,317 |
| Assets per employee ($millions) | 4.7340% | 2,517 |
| Cash dividends to net income (ytd only)* | 94.3261% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 3,611 |
| Loan loss allowance to noncurrent loans | 342.8990% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 6,479 |
| Noncurrent loans to loans | 0.4638% | 6,116 |
| Net loans and leases to total assets | 37.7972% | 7,079 |
| Net loans and leases to deposits | 44.2881% | 7,113 |
| Net loans and leases to core deposits | 48.6142% | 7,043 |
| Total domestic deposits to total assets | 85.3440% | 3,696 |
| Equity capital to assets | 12.2987% | 1,742 |
| Core capital (leverage) ratio | 9.8100% | 3,303 |
| Tier 1 risk-based capital ratio | 17.7878% | 2,067 |
| Total risk-based capital ratio | 18.9733% | 2,055 |
| Memoranda: | ||
| Average total assets | $362,209,000 | 1,809 |
| Average earning assets | $325,953,200 | 1,829 |
| Average equity | $48,398,400 | 1,384 |
| Average total loans | $141,521,200 | 2,916 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9882% | 4,876 |
| Cost of funding earning assets | 0.5018% | 7,443 |
| Net interest margin | 4.4864% | 1,288 |
| Noninterest income to average assets | 0.9668% | 1,563 |
| Noninterest expense to average assets | 2.3480% | 6,179 |
| Loan and lease loss provision to assets | 0.1270% | 5,755 |
| Net operating income to assets | 1.9109% | 394 |
| Return on assets (ROA) | 1.9135% | 434 |
| Pretax return on assets | 2.5269% | 216 |
| Return on Equity (ROE) | 14.0206% | 1,030 |
| Retained earnings to average equity (ytd only) | 0.0602% | 5,755 |
| Net charge-offs to loans | 0.1789% | 4,882 |
| Credit loss provision to net charge-offs | 180.8511% | 2,026 |
| Earnings coverage of net charge-offs (x) | 37.7394% | 720 |
| Efficiency ratio | 46.9731% | 7,334 |
| Assets per employee ($millions) | 4.5910% | 2,764 |
| Cash dividends to net income (ytd only)* | 99.5705% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 3,737 |
| Loan loss allowance to noncurrent loans | 537.4702% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 6,763 |
| Noncurrent loans to loans | 0.2882% | 6,612 |
| Net loans and leases to total assets | 38.4940% | 7,165 |
| Net loans and leases to deposits | 46.4052% | 7,158 |
| Net loans and leases to core deposits | 51.0510% | 7,083 |
| Total domestic deposits to total assets | 82.9518% | 4,609 |
| Equity capital to assets | 13.3833% | 1,400 |
| Core capital (leverage) ratio | 10.1478% | 3,102 |
| Tier 1 risk-based capital ratio | 17.6467% | 2,127 |
| Total risk-based capital ratio | 18.7967% | 2,131 |
| Memoranda: | ||
| Average total assets | $356,897,750 | 1,855 |
| Average earning assets | $320,724,500 | 1,877 |
| Average equity | $48,708,000 | 1,381 |
| Average total loans | $140,082,250 | 2,980 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0207% | 4,846 |
| Cost of funding earning assets | 0.5176% | 7,520 |
| Net interest margin | 4.5031% | 1,202 |
| Noninterest income to average assets | 0.9378% | 1,555 |
| Noninterest expense to average assets | 2.3563% | 6,195 |
| Loan and lease loss provision to assets | 0.0739% | 6,204 |
| Net operating income to assets | 1.9256% | 379 |
| Return on assets (ROA) | 1.9295% | 414 |
| Pretax return on assets | 2.5473% | 216 |
| Return on Equity (ROE) | 14.0422% | 1,033 |
| Retained earnings to average equity (ytd only) | -0.8479% | 5,938 |
| Net charge-offs to loans | 0.0622% | 5,520 |
| Credit loss provision to net charge-offs | 302.3256% | 1,212 |
| Earnings coverage of net charge-offs (x) | 107.0465% | 307 |
| Efficiency ratio | 47.3883% | 7,376 |
| Assets per employee ($millions) | 4.4636% | 2,935 |
| Cash dividends to net income (ytd only)* | 106.0383% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 3,613 |
| Loan loss allowance to noncurrent loans | 233.4045% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 6,543 |
| Noncurrent loans to loans | 0.6702% | 5,909 |
| Net loans and leases to total assets | 39.0273% | 7,219 |
| Net loans and leases to deposits | 46.5970% | 7,221 |
| Net loans and leases to core deposits | 50.7576% | 7,183 |
| Total domestic deposits to total assets | 83.7550% | 4,223 |
| Equity capital to assets | 13.6936% | 1,274 |
| Core capital (leverage) ratio | 10.1778% | 2,964 |
| Tier 1 risk-based capital ratio | 18.1938% | 1,897 |
| Total risk-based capital ratio | 19.3565% | 1,902 |
| Memoranda: | ||
| Average total assets | $351,905,670 | 1,900 |
| Average earning assets | $315,296,000 | 1,926 |
| Average equity | $48,354,330 | 1,389 |
| Average total loans | $138,309,330 | 3,046 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 5,089 |
| Cost of funding earning assets | 0.5246% | 7,640 |
| Net interest margin | 4.4596% | 1,235 |
| Noninterest income to average assets | 0.8340% | 1,870 |
| Noninterest expense to average assets | 2.3553% | 6,228 |
| Loan and lease loss provision to assets | 0.0910% | 5,722 |
| Net operating income to assets | 1.8228% | 472 |
| Return on assets (ROA) | 1.8228% | 521 |
| Pretax return on assets | 2.3826% | 301 |
| Return on Equity (ROE) | 13.2430% | 1,203 |
| Retained earnings to average equity (ytd only) | -1.6368% | 6,147 |
| Net charge-offs to loans | -0.0174% | 7,036 |
| Credit loss provision to net charge-offs | -1,333.3333% | 6,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7747% | 7,392 |
| Assets per employee ($millions) | 4.5310% | 2,900 |
| Cash dividends to net income (ytd only)* | 112.3596% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 3,377 |
| Loan loss allowance to noncurrent loans | 497.7221% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 7,033 |
| Noncurrent loans to loans | 0.3245% | 6,653 |
| Net loans and leases to total assets | 37.6579% | 7,360 |
| Net loans and leases to deposits | 45.4238% | 7,352 |
| Net loans and leases to core deposits | 49.7167% | 7,290 |
| Total domestic deposits to total assets | 82.9034% | 4,678 |
| Equity capital to assets | 13.6765% | 1,253 |
| Core capital (leverage) ratio | 10.2553% | 2,867 |
| Tier 1 risk-based capital ratio | 18.4146% | 1,847 |
| Total risk-based capital ratio | 19.5919% | 1,830 |
| Memoranda: | ||
| Average total assets | $351,546,000 | 1,949 |
| Average earning assets | $314,916,500 | 1,983 |
| Average equity | $48,388,000 | 1,391 |
| Average total loans | $137,560,500 | 3,117 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0122% | 6,398 |
| Cost of funding earning assets | 0.6585% | 7,731 |
| Net interest margin | 4.3537% | 1,561 |
| Noninterest income to average assets | 0.9994% | 1,575 |
| Noninterest expense to average assets | 2.4144% | 6,422 |
| Loan and lease loss provision to assets | 0.1313% | 6,323 |
| Net operating income to assets | 1.7840% | 371 |
| Return on assets (ROA) | 1.8031% | 375 |
| Pretax return on assets | 2.3700% | 193 |
| Return on Equity (ROE) | 12.9355% | 976 |
| Retained earnings to average equity (ytd only) | -1.0348% | 5,270 |
| Net charge-offs to loans | 0.0978% | 6,152 |
| Credit loss provision to net charge-offs | 350.0000% | 926 |
| Earnings coverage of net charge-offs (x) | 66.0231% | 407 |
| Efficiency ratio | 49.3688% | 7,570 |
| Assets per employee ($millions) | 4.3170% | 3,248 |
| Cash dividends to net income (ytd only)* | 108.0000% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 3,715 |
| Loan loss allowance to noncurrent loans | 390.3346% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 6,943 |
| Noncurrent loans to loans | 0.3847% | 6,508 |
| Net loans and leases to total assets | 39.3928% | 7,380 |
| Net loans and leases to deposits | 47.3688% | 7,380 |
| Net loans and leases to core deposits | 57.9351% | 7,342 |
| Total domestic deposits to total assets | 83.1618% | 4,444 |
| Equity capital to assets | 13.8531% | 1,207 |
| Core capital (leverage) ratio | 10.3519% | 2,737 |
| Tier 1 risk-based capital ratio | 18.2661% | 1,825 |
| Total risk-based capital ratio | 19.3852% | 1,812 |
| Memoranda: | ||
| Average total assets | $346,622,400 | 1,970 |
| Average earning assets | $309,804,400 | 2,008 |
| Average equity | $48,316,800 | 1,389 |
| Average total loans | $132,926,600 | 3,213 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9712% | 6,693 |
| Cost of funding earning assets | 0.6889% | 7,825 |
| Net interest margin | 4.2823% | 1,775 |
| Noninterest income to average assets | 0.9773% | 1,680 |
| Noninterest expense to average assets | 2.3743% | 6,493 |
| Loan and lease loss provision to assets | 0.1369% | 5,983 |
| Net operating income to assets | 1.7447% | 514 |
| Return on assets (ROA) | 1.7702% | 504 |
| Pretax return on assets | 2.3292% | 274 |
| Return on Equity (ROE) | 12.6797% | 1,183 |
| Retained earnings to average equity (ytd only) | 5.9146% | 1,996 |
| Net charge-offs to loans | 0.0793% | 5,883 |
| Credit loss provision to net charge-offs | 455.1282% | 864 |
| Earnings coverage of net charge-offs (x) | 80.8954% | 417 |
| Efficiency ratio | 49.3945% | 7,594 |
| Assets per employee ($millions) | 4.3182% | 3,176 |
| Cash dividends to net income (ytd only)* | 53.3538% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 3,390 |
| Loan loss allowance to noncurrent loans | 293.9828% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 6,786 |
| Noncurrent loans to loans | 0.5132% | 6,278 |
| Net loans and leases to total assets | 38.2999% | 7,537 |
| Net loans and leases to deposits | 48.1403% | 7,489 |
| Net loans and leases to core deposits | 57.6760% | 7,480 |
| Total domestic deposits to total assets | 79.5588% | 5,607 |
| Equity capital to assets | 14.8387% | 1,051 |
| Core capital (leverage) ratio | 11.2111% | 2,255 |
| Tier 1 risk-based capital ratio | 20.1110% | 1,537 |
| Total risk-based capital ratio | 21.2335% | 1,514 |
| Memoranda: | ||
| Average total assets | $345,859,000 | 1,981 |
| Average earning assets | $309,294,000 | 2,034 |
| Average equity | $48,285,750 | 1,413 |
| Average total loans | $131,196,500 | 3,278 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9205% | 6,984 |
| Cost of funding earning assets | 0.7267% | 7,900 |
| Net interest margin | 4.1938% | 2,024 |
| Noninterest income to average assets | 0.9491% | 1,764 |
| Noninterest expense to average assets | 2.3567% | 6,606 |
| Loan and lease loss provision to assets | 0.1045% | 6,122 |
| Net operating income to assets | 1.6823% | 583 |
| Return on assets (ROA) | 1.6828% | 640 |
| Pretax return on assets | 2.2301% | 335 |
| Return on Equity (ROE) | 12.3151% | 1,329 |
| Retained earnings to average equity (ytd only) | 7.2175% | 1,498 |
| Net charge-offs to loans | 0.0525% | 5,756 |
| Credit loss provision to net charge-offs | 529.4118% | 871 |
| Earnings coverage of net charge-offs (x) | 118.2647% | 326 |
| Efficiency ratio | 50.2413% | 7,651 |
| Assets per employee ($millions) | 4.3153% | 3,087 |
| Cash dividends to net income (ytd only)* | 41.3936% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 3,210 |
| Loan loss allowance to noncurrent loans | 735.6322% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 7,165 |
| Noncurrent loans to loans | 0.2037% | 7,003 |
| Net loans and leases to total assets | 36.1010% | 7,703 |
| Net loans and leases to deposits | 44.0455% | 7,700 |
| Net loans and leases to core deposits | 54.3809% | 7,648 |
| Total domestic deposits to total assets | 81.9629% | 4,706 |
| Equity capital to assets | 13.8761% | 1,354 |
| Core capital (leverage) ratio | 10.9537% | 2,444 |
| Tier 1 risk-based capital ratio | 19.9397% | 1,592 |
| Total risk-based capital ratio | 20.9962% | 1,583 |
| Memoranda: | ||
| Average total assets | $344,554,000 | 2,005 |
| Average earning assets | $307,406,670 | 2,071 |
| Average equity | $47,080,330 | 1,465 |
| Average total loans | $129,590,330 | 3,345 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 7,115 |
| Cost of funding earning assets | 0.7445% | 7,964 |
| Net interest margin | 4.1800% | 1,975 |
| Noninterest income to average assets | 0.9601% | 1,606 |
| Noninterest expense to average assets | 2.2850% | 6,586 |
| Loan and lease loss provision to assets | 0.1052% | 5,620 |
| Net operating income to assets | 1.7026% | 642 |
| Return on assets (ROA) | 1.7026% | 708 |
| Pretax return on assets | 2.2861% | 374 |
| Return on Equity (ROE) | 12.5600% | 1,497 |
| Retained earnings to average equity (ytd only) | 2.2083% | 4,645 |
| Net charge-offs to loans | 0.0246% | 5,203 |
| Credit loss provision to net charge-offs | 1,125.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 255.6250% | 165 |
| Efficiency ratio | 48.8622% | 7,677 |
| Assets per employee ($millions) | 4.3850% | 2,913 |
| Cash dividends to net income (ytd only)* | 82.4176% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 3,070 |
| Loan loss allowance to noncurrent loans | 492.3077% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 7,066 |
| Noncurrent loans to loans | 0.3015% | 6,685 |
| Net loans and leases to total assets | 35.1176% | 7,760 |
| Net loans and leases to deposits | 42.9402% | 7,759 |
| Net loans and leases to core deposits | 52.2297% | 7,726 |
| Total domestic deposits to total assets | 81.7826% | 4,640 |
| Equity capital to assets | 13.3927% | 1,577 |
| Core capital (leverage) ratio | 10.8442% | 2,622 |
| Tier 1 risk-based capital ratio | 19.5298% | 1,715 |
| Total risk-based capital ratio | 20.5749% | 1,707 |
| Memoranda: | ||
| Average total assets | $342,063,000 | 2,028 |
| Average earning assets | $304,115,000 | 2,098 |
| Average equity | $46,369,500 | 1,494 |
| Average total loans | $130,332,500 | 3,354 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6255% | 6,997 |
| Cost of funding earning assets | 1.2224% | 7,919 |
| Net interest margin | 4.4031% | 1,678 |
| Noninterest income to average assets | 1.0194% | 1,528 |
| Noninterest expense to average assets | 2.3478% | 6,574 |
| Loan and lease loss provision to assets | 0.0987% | 6,120 |
| Net operating income to assets | 1.7810% | 574 |
| Return on assets (ROA) | 1.8363% | 497 |
| Pretax return on assets | 2.5193% | 187 |
| Return on Equity (ROE) | 13.8045% | 1,150 |
| Retained earnings to average equity (ytd only) | 2.2578% | 3,804 |
| Net charge-offs to loans | 0.0376% | 6,275 |
| Credit loss provision to net charge-offs | 649.0196% | 655 |
| Earnings coverage of net charge-offs (x) | 167.1373% | 275 |
| Efficiency ratio | 48.0117% | 7,806 |
| Assets per employee ($millions) | 4.0160% | 3,481 |
| Cash dividends to net income (ytd only)* | 83.6446% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 3,719 |
| Loan loss allowance to noncurrent loans | 640.4332% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 7,008 |
| Noncurrent loans to loans | 0.2043% | 6,776 |
| Net loans and leases to total assets | 40.1536% | 7,665 |
| Net loans and leases to deposits | 48.3537% | 7,697 |
| Net loans and leases to core deposits | 56.3189% | 7,733 |
| Total domestic deposits to total assets | 83.0414% | 3,754 |
| Equity capital to assets | 13.7275% | 1,532 |
| Core capital (leverage) ratio | 10.8401% | 2,712 |
| Tier 1 risk-based capital ratio | 19.7107% | 1,662 |
| Total risk-based capital ratio | 20.7291% | 1,669 |
| Memoranda: | ||
| Average total assets | $335,294,800 | 1,994 |
| Average earning assets | $294,749,000 | 2,078 |
| Average equity | $44,601,400 | 1,512 |
| Average total loans | $135,784,400 | 3,163 |