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 | 4.0434% | 5,381 |
| Cost of funding earning assets | 0.1168% | 7,093 |
| Net interest margin | 3.9267% | 2,815 |
| Noninterest income to average assets | 1.1164% | 1,207 |
| Noninterest expense to average assets | 2.7515% | 4,164 |
| Loan and lease loss provision to assets | 0.0438% | 5,226 |
| Net operating income to assets | 1.5207% | 983 |
| Return on assets (ROA) | 1.5826% | 987 |
| Pretax return on assets | 2.0481% | 631 |
| Return on Equity (ROE) | 15.2720% | 854 |
| Retained earnings to average equity (ytd only) | 4.2919% | 3,866 |
| Net charge-offs to loans | 0.0357% | 5,145 |
| Credit loss provision to net charge-offs | 304.6512% | 886 |
| Earnings coverage of net charge-offs (x) | 139.7954% | 320 |
| Efficiency ratio | 57.7672% | 5,820 |
| Assets per employee ($millions) | 4.7038% | 2,596 |
| Cash dividends to net income (ytd only)* | 71.8968% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3951% | 1,375 |
| Loan loss allowance to noncurrent loans | 86.7688% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.8582% | 2,849 |
| Noncurrent loans to loans | 2.7604% | 2,049 |
| Net loans and leases to total assets | 41.4616% | 6,166 |
| Net loans and leases to deposits | 50.2116% | 6,089 |
| Net loans and leases to core deposits | 51.2721% | 6,225 |
| Total domestic deposits to total assets | 82.5737% | 4,803 |
| Equity capital to assets | 10.7409% | 3,563 |
| Core capital (leverage) ratio | 8.5790% | 5,652 |
| Tier 1 risk-based capital ratio | 15.1661% | 3,730 |
| Total risk-based capital ratio | 16.4298% | 3,670 |
| Memoranda: | ||
| Average total assets | $398,417,000 | 1,661 |
| Average earning assets | $370,006,500 | 1,630 |
| Average equity | $41,286,000 | 1,703 |
| Average total loans | $160,410,250 | 2,449 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 5,477 |
| Cost of funding earning assets | 0.1279% | 7,152 |
| Net interest margin | 3.9247% | 2,814 |
| Noninterest income to average assets | 1.0648% | 1,266 |
| Noninterest expense to average assets | 2.7313% | 4,283 |
| Loan and lease loss provision to assets | 0.0656% | 4,820 |
| Net operating income to assets | 1.4852% | 1,017 |
| Return on assets (ROA) | 1.5133% | 1,090 |
| Pretax return on assets | 1.9458% | 768 |
| Return on Equity (ROE) | 14.7818% | 973 |
| Retained earnings to average equity (ytd only) | 4.0243% | 3,931 |
| Net charge-offs to loans | 0.3115% | 2,784 |
| Credit loss provision to net charge-offs | 53.2520% | 3,970 |
| Earnings coverage of net charge-offs (x) | 16.0407% | 1,614 |
| Efficiency ratio | 58.0302% | 5,871 |
| Assets per employee ($millions) | 4.7558% | 2,499 |
| Cash dividends to net income (ytd only)* | 72.7754% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3896% | 1,433 |
| Loan loss allowance to noncurrent loans | 91.0782% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.8832% | 2,926 |
| Noncurrent loans to loans | 2.6237% | 2,291 |
| Net loans and leases to total assets | 39.0391% | 6,401 |
| Net loans and leases to deposits | 46.9238% | 6,377 |
| Net loans and leases to core deposits | 47.9801% | 6,460 |
| Total domestic deposits to total assets | 83.1968% | 4,677 |
| Equity capital to assets | 10.4293% | 3,770 |
| Core capital (leverage) ratio | 8.4212% | 5,759 |
| Tier 1 risk-based capital ratio | 14.7789% | 3,908 |
| Total risk-based capital ratio | 16.0409% | 3,865 |
| Memoranda: | ||
| Average total assets | $399,517,670 | 1,655 |
| Average earning assets | $370,730,330 | 1,634 |
| Average equity | $40,901,670 | 1,708 |
| Average total loans | $157,933,330 | 2,489 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0898% | 5,495 |
| Cost of funding earning assets | 0.1434% | 7,203 |
| Net interest margin | 3.9464% | 2,738 |
| Noninterest income to average assets | 1.1884% | 1,012 |
| Noninterest expense to average assets | 2.8043% | 4,009 |
| Loan and lease loss provision to assets | 0.1001% | 4,091 |
| Net operating income to assets | 1.5112% | 1,002 |
| Return on assets (ROA) | 1.5128% | 1,120 |
| Pretax return on assets | 1.9503% | 806 |
| Return on Equity (ROE) | 14.9159% | 983 |
| Retained earnings to average equity (ytd only) | 5.0444% | 3,533 |
| Net charge-offs to loans | 0.3388% | 2,301 |
| Credit loss provision to net charge-offs | 75.1880% | 2,817 |
| Earnings coverage of net charge-offs (x) | 15.3835% | 1,420 |
| Efficiency ratio | 57.7883% | 5,945 |
| Assets per employee ($millions) | 4.5496% | 2,901 |
| Cash dividends to net income (ytd only)* | 66.1813% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4553% | 1,419 |
| Loan loss allowance to noncurrent loans | 88.8408% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.9787% | 2,928 |
| Noncurrent loans to loans | 2.7637% | 2,348 |
| Net loans and leases to total assets | 39.1547% | 6,414 |
| Net loans and leases to deposits | 46.5486% | 6,386 |
| Net loans and leases to core deposits | 47.7553% | 6,472 |
| Total domestic deposits to total assets | 84.1157% | 4,434 |
| Equity capital to assets | 10.2551% | 3,787 |
| Core capital (leverage) ratio | 8.3611% | 5,793 |
| Tier 1 risk-based capital ratio | 15.0086% | 3,755 |
| Total risk-based capital ratio | 16.2705% | 3,701 |
| Memoranda: | ||
| Average total assets | $399,532,000 | 1,659 |
| Average earning assets | $370,972,000 | 1,635 |
| Average equity | $40,520,500 | 1,714 |
| Average total loans | $157,012,500 | 2,523 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3481% | 5,610 |
| Cost of funding earning assets | 0.2216% | 7,211 |
| Net interest margin | 4.1265% | 2,324 |
| Noninterest income to average assets | 1.2045% | 915 |
| Noninterest expense to average assets | 2.8242% | 4,259 |
| Loan and lease loss provision to assets | 0.2631% | 3,588 |
| Net operating income to assets | 1.4942% | 833 |
| Return on assets (ROA) | 1.5051% | 882 |
| Pretax return on assets | 1.9644% | 569 |
| Return on Equity (ROE) | 15.2793% | 702 |
| Retained earnings to average equity (ytd only) | 4.2283% | 3,175 |
| Net charge-offs to loans | 0.9062% | 1,916 |
| Credit loss provision to net charge-offs | 73.1795% | 4,728 |
| Earnings coverage of net charge-offs (x) | 6.1565% | 2,578 |
| Efficiency ratio | 56.0638% | 6,310 |
| Assets per employee ($millions) | 4.4806% | 2,947 |
| Cash dividends to net income (ytd only)* | 72.3265% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5350% | 1,273 |
| Loan loss allowance to noncurrent loans | 118.6068% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 1.9511% | 3,039 |
| Noncurrent loans to loans | 2.1374% | 3,024 |
| Net loans and leases to total assets | 37.4981% | 6,666 |
| Net loans and leases to deposits | 44.1187% | 6,717 |
| Net loans and leases to core deposits | 45.2653% | 6,760 |
| Total domestic deposits to total assets | 84.9938% | 3,851 |
| Equity capital to assets | 10.0309% | 4,130 |
| Core capital (leverage) ratio | 8.4419% | 5,652 |
| Tier 1 risk-based capital ratio | 14.8266% | 3,742 |
| Total risk-based capital ratio | 16.0891% | 3,708 |
| Memoranda: | ||
| Average total assets | $385,813,800 | 1,676 |
| Average earning assets | $358,364,200 | 1,653 |
| Average equity | $38,005,600 | 1,773 |
| Average total loans | $153,052,200 | 2,600 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 5,491 |
| Cost of funding earning assets | 0.2411% | 7,285 |
| Net interest margin | 4.1904% | 2,140 |
| Noninterest income to average assets | 1.2244% | 877 |
| Noninterest expense to average assets | 2.8752% | 4,034 |
| Loan and lease loss provision to assets | 0.3548% | 2,748 |
| Net operating income to assets | 1.4522% | 1,045 |
| Return on assets (ROA) | 1.4670% | 1,091 |
| Pretax return on assets | 1.9084% | 766 |
| Return on Equity (ROE) | 14.9644% | 844 |
| Retained earnings to average equity (ytd only) | 3.9114% | 3,936 |
| Net charge-offs to loans | 1.1573% | 1,362 |
| Credit loss provision to net charge-offs | 76.6616% | 4,252 |
| Earnings coverage of net charge-offs (x) | 4.8489% | 2,941 |
| Efficiency ratio | 56.1655% | 6,260 |
| Assets per employee ($millions) | 4.2798% | 3,311 |
| Cash dividends to net income (ytd only)* | 73.8623% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6845% | 1,146 |
| Loan loss allowance to noncurrent loans | 121.1276% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 2.0672% | 3,061 |
| Noncurrent loans to loans | 2.2162% | 3,089 |
| Net loans and leases to total assets | 38.0313% | 6,769 |
| Net loans and leases to deposits | 44.7811% | 6,800 |
| Net loans and leases to core deposits | 46.0514% | 6,844 |
| Total domestic deposits to total assets | 84.9272% | 3,802 |
| Equity capital to assets | 10.4904% | 3,716 |
| Core capital (leverage) ratio | 8.3987% | 5,856 |
| Tier 1 risk-based capital ratio | 15.2931% | 3,496 |
| Total risk-based capital ratio | 16.5578% | 3,459 |
| Memoranda: | ||
| Average total assets | $381,454,250 | 1,706 |
| Average earning assets | $354,545,000 | 1,674 |
| Average equity | $37,394,500 | 1,804 |
| Average total loans | $152,529,000 | 2,628 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4376% | 5,560 |
| Cost of funding earning assets | 0.2603% | 7,353 |
| Net interest margin | 4.1773% | 2,135 |
| Noninterest income to average assets | 1.2142% | 862 |
| Noninterest expense to average assets | 2.8362% | 4,285 |
| Loan and lease loss provision to assets | 0.4585% | 2,132 |
| Net operating income to assets | 1.4029% | 1,076 |
| Return on assets (ROA) | 1.4029% | 1,142 |
| Pretax return on assets | 1.8132% | 856 |
| Return on Equity (ROE) | 14.6524% | 865 |
| Retained earnings to average equity (ytd only) | 3.7055% | 3,857 |
| Net charge-offs to loans | 1.5753% | 937 |
| Credit loss provision to net charge-offs | 72.2543% | 4,011 |
| Earnings coverage of net charge-offs (x) | 3.5797% | 3,123 |
| Efficiency ratio | 55.5248% | 6,457 |
| Assets per employee ($millions) | 4.0153% | 3,724 |
| Cash dividends to net income (ytd only)* | 74.7105% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6049% | 1,308 |
| Loan loss allowance to noncurrent loans | 68.4192% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 2.1922% | 2,994 |
| Noncurrent loans to loans | 3.8073% | 1,831 |
| Net loans and leases to total assets | 38.9031% | 6,809 |
| Net loans and leases to deposits | 45.6912% | 6,841 |
| Net loans and leases to core deposits | 46.9716% | 6,896 |
| Total domestic deposits to total assets | 85.1435% | 3,817 |
| Equity capital to assets | 9.9966% | 4,158 |
| Core capital (leverage) ratio | 8.2125% | 6,012 |
| Tier 1 risk-based capital ratio | 15.2231% | 3,385 |
| Total risk-based capital ratio | 16.4860% | 3,338 |
| Memoranda: | ||
| Average total assets | $381,639,330 | 1,716 |
| Average earning assets | $355,735,000 | 1,681 |
| Average equity | $36,540,000 | 1,831 |
| Average total loans | $153,753,000 | 2,628 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4222% | 5,615 |
| Cost of funding earning assets | 0.2870% | 7,404 |
| Net interest margin | 4.1352% | 2,136 |
| Noninterest income to average assets | 1.4177% | 638 |
| Noninterest expense to average assets | 2.8355% | 4,314 |
| Loan and lease loss provision to assets | 0.5763% | 1,499 |
| Net operating income to assets | 1.4377% | 1,004 |
| Return on assets (ROA) | 1.4377% | 1,043 |
| Pretax return on assets | 1.8704% | 713 |
| Return on Equity (ROE) | 15.3536% | 768 |
| Retained earnings to average equity (ytd only) | 4.1629% | 3,676 |
| Net charge-offs to loans | 1.7948% | 723 |
| Credit loss provision to net charge-offs | 79.3651% | 3,173 |
| Earnings coverage of net charge-offs (x) | 3.3694% | 2,764 |
| Efficiency ratio | 53.6798% | 6,721 |
| Assets per employee ($millions) | 4.2288% | 3,399 |
| Cash dividends to net income (ytd only)* | 72.8863% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7364% | 1,172 |
| Loan loss allowance to noncurrent loans | 57.0450% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 2.2025% | 3,059 |
| Noncurrent loans to loans | 4.7969% | 1,420 |
| Net loans and leases to total assets | 37.2159% | 6,947 |
| Net loans and leases to deposits | 43.0109% | 6,987 |
| Net loans and leases to core deposits | 44.2504% | 7,033 |
| Total domestic deposits to total assets | 86.5266% | 3,220 |
| Equity capital to assets | 9.1223% | 5,000 |
| Core capital (leverage) ratio | 8.0241% | 6,226 |
| Tier 1 risk-based capital ratio | 15.2586% | 3,282 |
| Total risk-based capital ratio | 16.5214% | 3,235 |
| Memoranda: | ||
| Average total assets | $381,734,000 | 1,722 |
| Average earning assets | $356,744,500 | 1,687 |
| Average equity | $35,744,000 | 1,855 |
| Average total loans | $154,447,000 | 2,636 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 5,691 |
| Cost of funding earning assets | 0.4811% | 7,324 |
| Net interest margin | 4.2488% | 2,002 |
| Noninterest income to average assets | 1.4207% | 717 |
| Noninterest expense to average assets | 2.9689% | 3,965 |
| Loan and lease loss provision to assets | 0.3126% | 4,302 |
| Net operating income to assets | 1.5491% | 692 |
| Return on assets (ROA) | 1.5634% | 728 |
| Pretax return on assets | 2.0880% | 397 |
| Return on Equity (ROE) | 15.7177% | 612 |
| Retained earnings to average equity (ytd only) | 7.9170% | 1,007 |
| Net charge-offs to loans | 0.4443% | 3,839 |
| Credit loss provision to net charge-offs | 164.1481% | 2,103 |
| Earnings coverage of net charge-offs (x) | 12.5037% | 1,493 |
| Efficiency ratio | 55.4899% | 6,656 |
| Assets per employee ($millions) | 3.6965% | 4,469 |
| Cash dividends to net income (ytd only)* | 49.6300% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7456% | 1,118 |
| Loan loss allowance to noncurrent loans | 75.2096% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.9628% | 3,391 |
| Noncurrent loans to loans | 3.6506% | 2,045 |
| Net loans and leases to total assets | 41.6687% | 6,866 |
| Net loans and leases to deposits | 48.1258% | 6,946 |
| Net loans and leases to core deposits | 49.9491% | 6,976 |
| Total domestic deposits to total assets | 86.5829% | 3,039 |
| Equity capital to assets | 9.6257% | 4,243 |
| Core capital (leverage) ratio | 8.4866% | 5,388 |
| Tier 1 risk-based capital ratio | 15.1308% | 3,181 |
| Total risk-based capital ratio | 16.3946% | 3,121 |
| Memoranda: | ||
| Average total assets | $354,409,200 | 1,844 |
| Average earning assets | $327,783,200 | 1,818 |
| Average equity | $35,253,200 | 1,881 |
| Average total loans | $151,914,400 | 2,741 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 5,730 |
| Cost of funding earning assets | 0.5169% | 7,424 |
| Net interest margin | 4.2657% | 1,969 |
| Noninterest income to average assets | 1.4227% | 671 |
| Noninterest expense to average assets | 2.9661% | 3,867 |
| Loan and lease loss provision to assets | 0.3747% | 3,643 |
| Net operating income to assets | 1.5166% | 890 |
| Return on assets (ROA) | 1.5194% | 966 |
| Pretax return on assets | 2.0232% | 591 |
| Return on Equity (ROE) | 15.1480% | 836 |
| Retained earnings to average equity (ytd only) | 8.5307% | 1,229 |
| Net charge-offs to loans | 0.4822% | 3,347 |
| Credit loss provision to net charge-offs | 181.2844% | 2,016 |
| Earnings coverage of net charge-offs (x) | 11.5816% | 1,778 |
| Efficiency ratio | 55.3354% | 6,644 |
| Assets per employee ($millions) | 3.7572% | 4,375 |
| Cash dividends to net income (ytd only)* | 43.6846% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8812% | 928 |
| Loan loss allowance to noncurrent loans | 87.1515% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.8880% | 3,631 |
| Noncurrent loans to loans | 3.3060% | 2,394 |
| Net loans and leases to total assets | 41.6166% | 7,001 |
| Net loans and leases to deposits | 49.0405% | 7,043 |
| Net loans and leases to core deposits | 51.1603% | 7,078 |
| Total domestic deposits to total assets | 84.8616% | 3,685 |
| Equity capital to assets | 10.6169% | 3,389 |
| Core capital (leverage) ratio | 8.6275% | 5,300 |
| Tier 1 risk-based capital ratio | 15.6520% | 2,925 |
| Total risk-based capital ratio | 16.9198% | 2,875 |
| Memoranda: | ||
| Average total assets | $351,522,000 | 1,888 |
| Average earning assets | $324,475,500 | 1,857 |
| Average equity | $35,260,000 | 1,899 |
| Average total loans | $150,694,250 | 2,798 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7913% | 5,825 |
| Cost of funding earning assets | 0.5256% | 7,510 |
| Net interest margin | 4.2657% | 1,904 |
| Noninterest income to average assets | 1.4167% | 630 |
| Noninterest expense to average assets | 2.9379% | 3,928 |
| Loan and lease loss provision to assets | 0.4758% | 2,931 |
| Net operating income to assets | 1.4675% | 962 |
| Return on assets (ROA) | 1.4718% | 1,021 |
| Pretax return on assets | 1.9488% | 670 |
| Return on Equity (ROE) | 14.9620% | 864 |
| Retained earnings to average equity (ytd only) | 10.6327% | 722 |
| Net charge-offs to loans | 0.5695% | 2,834 |
| Credit loss provision to net charge-offs | 194.8837% | 2,026 |
| Earnings coverage of net charge-offs (x) | 9.9070% | 1,958 |
| Efficiency ratio | 54.8442% | 6,780 |
| Assets per employee ($millions) | 3.7376% | 4,375 |
| Cash dividends to net income (ytd only)* | 28.9352% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8204% | 982 |
| Loan loss allowance to noncurrent loans | 83.8855% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 1.9413% | 3,562 |
| Noncurrent loans to loans | 3.3622% | 2,377 |
| Net loans and leases to total assets | 42.4162% | 7,014 |
| Net loans and leases to deposits | 50.4346% | 7,049 |
| Net loans and leases to core deposits | 52.5774% | 7,106 |
| Total domestic deposits to total assets | 84.1013% | 4,069 |
| Equity capital to assets | 10.1852% | 3,791 |
| Core capital (leverage) ratio | 8.4099% | 5,559 |
| Tier 1 risk-based capital ratio | 15.2666% | 3,028 |
| Total risk-based capital ratio | 16.5333% | 2,978 |
| Memoranda: | ||
| Average total assets | $352,224,000 | 1,899 |
| Average earning assets | $325,338,670 | 1,870 |
| Average equity | $34,647,670 | 1,929 |
| Average total loans | $151,016,000 | 2,815 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7141% | 6,199 |
| Cost of funding earning assets | 0.5265% | 7,634 |
| Net interest margin | 4.1876% | 2,092 |
| Noninterest income to average assets | 1.3471% | 662 |
| Noninterest expense to average assets | 2.9041% | 4,043 |
| Loan and lease loss provision to assets | 0.6070% | 2,097 |
| Net operating income to assets | 1.3200% | 1,257 |
| Return on assets (ROA) | 1.3200% | 1,328 |
| Pretax return on assets | 1.7127% | 1,039 |
| Return on Equity (ROE) | 13.6565% | 1,113 |
| Retained earnings to average equity (ytd only) | 13.6565% | 544 |
| Net charge-offs to loans | 1.0195% | 1,611 |
| Credit loss provision to net charge-offs | 140.1042% | 2,525 |
| Earnings coverage of net charge-offs (x) | 5.3542% | 2,419 |
| Efficiency ratio | 55.5940% | 6,827 |
| Assets per employee ($millions) | 3.7988% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6535% | 1,122 |
| Loan loss allowance to noncurrent loans | 64.3439% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 2.0303% | 3,461 |
| Noncurrent loans to loans | 4.1240% | 1,880 |
| Net loans and leases to total assets | 41.8062% | 7,139 |
| Net loans and leases to deposits | 49.5869% | 7,148 |
| Net loans and leases to core deposits | 50.4383% | 7,267 |
| Total domestic deposits to total assets | 84.3089% | 3,993 |
| Equity capital to assets | 9.8873% | 4,011 |
| Core capital (leverage) ratio | 8.0038% | 6,233 |
| Tier 1 risk-based capital ratio | 15.3458% | 2,946 |
| Total risk-based capital ratio | 16.6105% | 2,891 |
| Memoranda: | ||
| Average total assets | $354,535,500 | 1,934 |
| Average earning assets | $328,208,500 | 1,907 |
| Average equity | $34,269,500 | 1,973 |
| Average total loans | $150,665,000 | 2,883 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9095% | 6,687 |
| Cost of funding earning assets | 0.6686% | 7,720 |
| Net interest margin | 4.2409% | 1,931 |
| Noninterest income to average assets | 1.3669% | 786 |
| Noninterest expense to average assets | 2.8601% | 4,695 |
| Loan and lease loss provision to assets | 0.6365% | 3,257 |
| Net operating income to assets | 1.3689% | 901 |
| Return on assets (ROA) | 1.4598% | 797 |
| Pretax return on assets | 1.9239% | 483 |
| Return on Equity (ROE) | 15.9283% | 565 |
| Retained earnings to average equity (ytd only) | 5.8254% | 1,419 |
| Net charge-offs to loans | 0.2594% | 4,999 |
| Credit loss provision to net charge-offs | 564.1414% | 533 |
| Earnings coverage of net charge-offs (x) | 21.6338% | 991 |
| Efficiency ratio | 53.9557% | 7,235 |
| Assets per employee ($millions) | 3.6678% | 4,599 |
| Cash dividends to net income (ytd only)* | 63.4270% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5881% | 1,128 |
| Loan loss allowance to noncurrent loans | 56.1485% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 2.1030% | 3,270 |
| Noncurrent loans to loans | 4.6094% | 1,529 |
| Net loans and leases to total assets | 40.9620% | 7,305 |
| Net loans and leases to deposits | 47.0926% | 7,390 |
| Net loans and leases to core deposits | 51.4292% | 7,549 |
| Total domestic deposits to total assets | 86.9819% | 2,522 |
| Equity capital to assets | 9.4463% | 4,494 |
| Core capital (leverage) ratio | 8.0560% | 6,071 |
| Tier 1 risk-based capital ratio | 15.0998% | 2,886 |
| Total risk-based capital ratio | 16.3539% | 2,841 |
| Memoranda: | ||
| Average total assets | $351,003,000 | 1,938 |
| Average earning assets | $325,593,600 | 1,912 |
| Average equity | $32,169,200 | 2,077 |
| Average total loans | $152,653,000 | 2,881 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0017% | 6,596 |
| Cost of funding earning assets | 0.6992% | 7,811 |
| Net interest margin | 4.3025% | 1,724 |
| Noninterest income to average assets | 1.3798% | 791 |
| Noninterest expense to average assets | 2.9143% | 4,391 |
| Loan and lease loss provision to assets | 0.4132% | 3,843 |
| Net operating income to assets | 1.5282% | 764 |
| Return on assets (ROA) | 1.6203% | 691 |
| Pretax return on assets | 2.1668% | 383 |
| Return on Equity (ROE) | 17.8181% | 475 |
| Retained earnings to average equity (ytd only) | 9.0160% | 835 |
| Net charge-offs to loans | 0.1147% | 5,532 |
| Credit loss provision to net charge-offs | 821.2121% | 467 |
| Earnings coverage of net charge-offs (x) | 48.8397% | 654 |
| Efficiency ratio | 54.2539% | 7,211 |
| Assets per employee ($millions) | 3.5444% | 4,826 |
| Cash dividends to net income (ytd only)* | 49.4001% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9973% | 1,808 |
| Loan loss allowance to noncurrent loans | 187.7987% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 5,436 |
| Noncurrent loans to loans | 1.0635% | 5,189 |
| Net loans and leases to total assets | 43.0600% | 7,309 |
| Net loans and leases to deposits | 50.2417% | 7,399 |
| Net loans and leases to core deposits | 55.3153% | 7,563 |
| Total domestic deposits to total assets | 85.7056% | 2,863 |
| Equity capital to assets | 10.2015% | 3,842 |
| Core capital (leverage) ratio | 8.2801% | 5,870 |
| Tier 1 risk-based capital ratio | 15.1374% | 2,985 |
| Total risk-based capital ratio | 16.3961% | 2,915 |
| Memoranda: | ||
| Average total assets | $349,808,500 | 1,954 |
| Average earning assets | $324,545,500 | 1,932 |
| Average equity | $31,809,500 | 2,127 |
| Average total loans | $153,414,500 | 2,894 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 6,846 |
| Cost of funding earning assets | 0.7338% | 7,893 |
| Net interest margin | 4.2431% | 1,841 |
| Noninterest income to average assets | 1.3439% | 846 |
| Noninterest expense to average assets | 2.9327% | 4,370 |
| Loan and lease loss provision to assets | 0.1977% | 5,076 |
| Net operating income to assets | 1.5942% | 689 |
| Return on assets (ROA) | 1.6131% | 729 |
| Pretax return on assets | 2.1768% | 376 |
| Return on Equity (ROE) | 18.4618% | 455 |
| Retained earnings to average equity (ytd only) | 11.9772% | 447 |
| Net charge-offs to loans | 0.1836% | 4,420 |
| Credit loss provision to net charge-offs | 245.7746% | 1,891 |
| Earnings coverage of net charge-offs (x) | 29.1972% | 1,019 |
| Efficiency ratio | 55.5246% | 7,163 |
| Assets per employee ($millions) | 3.2982% | 5,324 |
| Cash dividends to net income (ytd only)* | 35.1247% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4638% | 3,396 |
| Loan loss allowance to noncurrent loans | 131.5728% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 5,225 |
| Noncurrent loans to loans | 1.1126% | 4,993 |
| Net loans and leases to total assets | 44.8603% | 7,275 |
| Net loans and leases to deposits | 52.5296% | 7,354 |
| Net loans and leases to core deposits | 57.7163% | 7,529 |
| Total domestic deposits to total assets | 85.4001% | 3,063 |
| Equity capital to assets | 9.6371% | 4,446 |
| Core capital (leverage) ratio | 8.0886% | 6,182 |
| Tier 1 risk-based capital ratio | 14.5546% | 3,218 |
| Total risk-based capital ratio | 15.7754% | 3,169 |
| Memoranda: | ||
| Average total assets | $352,989,670 | 1,960 |
| Average earning assets | $327,591,000 | 1,928 |
| Average equity | $30,842,000 | 2,202 |
| Average total loans | $154,718,000 | 2,907 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9368% | 7,081 |
| Cost of funding earning assets | 0.7902% | 7,919 |
| Net interest margin | 4.1466% | 2,101 |
| Noninterest income to average assets | 1.2190% | 971 |
| Noninterest expense to average assets | 2.7824% | 4,639 |
| Loan and lease loss provision to assets | 0.1794% | 4,659 |
| Net operating income to assets | 1.5567% | 847 |
| Return on assets (ROA) | 1.5567% | 922 |
| Pretax return on assets | 2.1092% | 532 |
| Return on Equity (ROE) | 18.7139% | 530 |
| Retained earnings to average equity (ytd only) | 5.4039% | 2,902 |
| Net charge-offs to loans | 0.3164% | 2,837 |
| Credit loss provision to net charge-offs | 131.7073% | 3,053 |
| Earnings coverage of net charge-offs (x) | 16.8049% | 1,534 |
| Efficiency ratio | 54.8690% | 7,121 |
| Assets per employee ($millions) | 3.5063% | 4,811 |
| Cash dividends to net income (ytd only)* | 71.1238% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 3,837 |
| Loan loss allowance to noncurrent loans | 126.5568% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.8582% | 5,051 |
| Noncurrent loans to loans | 1.0610% | 4,860 |
| Net loans and leases to total assets | 43.8758% | 7,349 |
| Net loans and leases to deposits | 51.5636% | 7,430 |
| Net loans and leases to core deposits | 56.8778% | 7,574 |
| Total domestic deposits to total assets | 85.0907% | 3,153 |
| Equity capital to assets | 8.8665% | 5,528 |
| Core capital (leverage) ratio | 7.2543% | 7,421 |
| Tier 1 risk-based capital ratio | 13.4638% | 3,886 |
| Total risk-based capital ratio | 14.5678% | 3,902 |
| Memoranda: | ||
| Average total assets | $361,274,500 | 1,923 |
| Average earning assets | $335,600,000 | 1,888 |
| Average equity | $30,052,500 | 2,272 |
| Average total loans | $155,496,500 | 2,922 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6215% | 7,006 |
| Cost of funding earning assets | 1.3400% | 7,803 |
| Net interest margin | 4.2815% | 2,043 |
| Noninterest income to average assets | 1.4417% | 687 |
| Noninterest expense to average assets | 2.8463% | 4,618 |
| Loan and lease loss provision to assets | 0.2469% | 4,447 |
| Net operating income to assets | 1.6299% | 792 |
| Return on assets (ROA) | 1.6601% | 699 |
| Pretax return on assets | 2.3215% | 297 |
| Return on Equity (ROE) | 21.0111% | 302 |
| Retained earnings to average equity (ytd only) | 8.5774% | 685 |
| Net charge-offs to loans | 0.3507% | 3,077 |
| Credit loss provision to net charge-offs | 161.7537% | 3,193 |
| Earnings coverage of net charge-offs (x) | 16.5541% | 1,838 |
| Efficiency ratio | 52.9758% | 7,386 |
| Assets per employee ($millions) | 3.6098% | 4,392 |
| Cash dividends to net income (ytd only)* | 59.1767% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 3,789 |
| Loan loss allowance to noncurrent loans | 155.8193% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5612% | 5,502 |
| Noncurrent loans to loans | 0.8339% | 4,967 |
| Net loans and leases to total assets | 41.1750% | 7,622 |
| Net loans and leases to deposits | 46.6606% | 7,764 |
| Net loans and leases to core deposits | 51.2443% | 7,859 |
| Total domestic deposits to total assets | 88.2437% | 1,364 |
| Equity capital to assets | 7.8117% | 7,079 |
| Core capital (leverage) ratio | 7.3842% | 7,323 |
| Tier 1 risk-based capital ratio | 12.7749% | 4,242 |
| Total risk-based capital ratio | 13.8197% | 4,298 |
| Memoranda: | ||
| Average total assets | $351,194,000 | 1,895 |
| Average earning assets | $322,456,600 | 1,887 |
| Average equity | $27,747,200 | 2,420 |
| Average total loans | $152,817,800 | 2,874 |