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 | 4.8632% | 2,144 |
| Cost of funding earning assets | 0.1825% | 6,979 |
| Net interest margin | 4.6807% | 697 |
| Noninterest income to average assets | 0.9653% | 1,619 |
| Noninterest expense to average assets | 3.1995% | 2,568 |
| Loan and lease loss provision to assets | 0.0786% | 4,654 |
| Net operating income to assets | 1.2974% | 1,446 |
| Return on assets (ROA) | 1.2974% | 1,591 |
| Pretax return on assets | 1.7729% | 1,111 |
| Return on Equity (ROE) | 10.2589% | 2,228 |
| Retained earnings to average equity (ytd only) | 0.5929% | 5,916 |
| Net charge-offs to loans | 0.4544% | 2,282 |
| Credit loss provision to net charge-offs | 27.5321% | 4,836 |
| Earnings coverage of net charge-offs (x) | 6.4822% | 2,779 |
| Efficiency ratio | 62.7299% | 5,026 |
| Assets per employee ($millions) | 4.5022% | 2,911 |
| Cash dividends to net income (ytd only)* | 94.2210% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9315% | 2,385 |
| Loan loss allowance to noncurrent loans | 84.7406% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.9102% | 2,769 |
| Noncurrent loans to loans | 2.2794% | 2,531 |
| Net loans and leases to total assets | 63.4726% | 3,123 |
| Net loans and leases to deposits | 74.9048% | 3,157 |
| Net loans and leases to core deposits | 77.4065% | 3,545 |
| Total domestic deposits to total assets | 84.7377% | 3,863 |
| Equity capital to assets | 12.5456% | 1,862 |
| Core capital (leverage) ratio | 9.3606% | 4,487 |
| Tier 1 risk-based capital ratio | 13.1455% | 5,133 |
| Total risk-based capital ratio | 14.4097% | 5,091 |
| Memoranda: | ||
| Average total assets | $327,211,000 | 1,984 |
| Average earning assets | $285,621,750 | 2,098 |
| Average equity | $41,381,000 | 1,696 |
| Average total loans | $205,697,500 | 1,978 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8727% | 2,220 |
| Cost of funding earning assets | 0.1901% | 7,049 |
| Net interest margin | 4.6825% | 698 |
| Noninterest income to average assets | 0.9593% | 1,581 |
| Noninterest expense to average assets | 3.3171% | 2,262 |
| Loan and lease loss provision to assets | 0.1045% | 4,220 |
| Net operating income to assets | 1.2029% | 1,703 |
| Return on assets (ROA) | 1.2065% | 1,887 |
| Pretax return on assets | 1.6321% | 1,449 |
| Return on Equity (ROE) | 9.5145% | 2,565 |
| Retained earnings to average equity (ytd only) | -0.1843% | 6,075 |
| Net charge-offs to loans | 0.3686% | 2,541 |
| Credit loss provision to net charge-offs | 45.5764% | 4,136 |
| Earnings coverage of net charge-offs (x) | 7.5496% | 2,456 |
| Efficiency ratio | 65.0792% | 4,716 |
| Assets per employee ($millions) | 5.0544% | 2,101 |
| Cash dividends to net income (ytd only)* | 101.9368% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1087% | 1,976 |
| Loan loss allowance to noncurrent loans | 63.2033% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 2.5549% | 2,188 |
| Noncurrent loans to loans | 3.3364% | 1,744 |
| Net loans and leases to total assets | 62.2191% | 3,386 |
| Net loans and leases to deposits | 73.7007% | 3,341 |
| Net loans and leases to core deposits | 76.6316% | 3,702 |
| Total domestic deposits to total assets | 84.4212% | 4,126 |
| Equity capital to assets | 12.4159% | 1,868 |
| Core capital (leverage) ratio | 9.3560% | 4,360 |
| Tier 1 risk-based capital ratio | 13.1187% | 5,100 |
| Total risk-based capital ratio | 14.3839% | 5,062 |
| Memoranda: | ||
| Average total assets | $325,227,670 | 1,991 |
| Average earning assets | $284,034,000 | 2,099 |
| Average equity | $41,242,330 | 1,694 |
| Average total loans | $202,386,330 | 2,004 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9322% | 2,124 |
| Cost of funding earning assets | 0.2014% | 7,101 |
| Net interest margin | 4.7308% | 652 |
| Noninterest income to average assets | 0.9893% | 1,454 |
| Noninterest expense to average assets | 3.4886% | 1,784 |
| Loan and lease loss provision to assets | 0.1869% | 3,091 |
| Net operating income to assets | 1.0827% | 2,161 |
| Return on assets (ROA) | 1.0827% | 2,342 |
| Pretax return on assets | 1.4403% | 2,056 |
| Return on Equity (ROE) | 8.4462% | 3,085 |
| Retained earnings to average equity (ytd only) | -1.2733% | 6,189 |
| Net charge-offs to loans | 0.7005% | 1,426 |
| Credit loss provision to net charge-offs | 43.3526% | 3,389 |
| Earnings coverage of net charge-offs (x) | 3.7746% | 2,750 |
| Efficiency ratio | 67.5840% | 4,256 |
| Assets per employee ($millions) | 4.7741% | 2,553 |
| Cash dividends to net income (ytd only)* | 115.0748% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1971% | 1,889 |
| Loan loss allowance to noncurrent loans | 107.7756% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 1.8738% | 3,084 |
| Noncurrent loans to loans | 2.0386% | 3,100 |
| Net loans and leases to total assets | 61.3891% | 3,376 |
| Net loans and leases to deposits | 72.3539% | 3,373 |
| Net loans and leases to core deposits | 76.4624% | 3,562 |
| Total domestic deposits to total assets | 84.8456% | 4,106 |
| Equity capital to assets | 12.6325% | 1,640 |
| Core capital (leverage) ratio | 9.5051% | 4,040 |
| Tier 1 risk-based capital ratio | 13.3605% | 4,928 |
| Total risk-based capital ratio | 14.6253% | 4,909 |
| Memoranda: | ||
| Average total assets | $321,047,000 | 2,023 |
| Average earning assets | $280,040,000 | 2,133 |
| Average equity | $41,154,500 | 1,688 |
| Average total loans | $197,566,000 | 2,055 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1184% | 2,381 |
| Cost of funding earning assets | 0.3211% | 7,071 |
| Net interest margin | 4.7974% | 628 |
| Noninterest income to average assets | 1.1850% | 944 |
| Noninterest expense to average assets | 3.1569% | 3,005 |
| Loan and lease loss provision to assets | 0.2113% | 4,074 |
| Net operating income to assets | 1.4429% | 938 |
| Return on assets (ROA) | 1.4457% | 1,015 |
| Pretax return on assets | 1.9951% | 537 |
| Return on Equity (ROE) | 11.1741% | 1,654 |
| Retained earnings to average equity (ytd only) | 2.6956% | 4,315 |
| Net charge-offs to loans | 0.1526% | 4,919 |
| Credit loss provision to net charge-offs | 236.4621% | 1,033 |
| Earnings coverage of net charge-offs (x) | 24.6462% | 987 |
| Efficiency ratio | 57.5247% | 6,112 |
| Assets per employee ($millions) | 4.2327% | 3,410 |
| Cash dividends to net income (ytd only)* | 75.8759% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4420% | 1,392 |
| Loan loss allowance to noncurrent loans | 96.5097% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 2.1446% | 2,794 |
| Noncurrent loans to loans | 2.5303% | 2,600 |
| Net loans and leases to total assets | 58.8080% | 4,226 |
| Net loans and leases to deposits | 69.4021% | 4,217 |
| Net loans and leases to core deposits | 73.5807% | 4,298 |
| Total domestic deposits to total assets | 84.7352% | 3,989 |
| Equity capital to assets | 13.0094% | 1,477 |
| Core capital (leverage) ratio | 9.4721% | 4,075 |
| Tier 1 risk-based capital ratio | 14.0620% | 4,284 |
| Total risk-based capital ratio | 15.3303% | 4,218 |
| Memoranda: | ||
| Average total assets | $309,960,200 | 2,067 |
| Average earning assets | $269,711,400 | 2,170 |
| Average equity | $40,101,800 | 1,684 |
| Average total loans | $181,522,200 | 2,220 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1333% | 2,459 |
| Cost of funding earning assets | 0.3469% | 7,131 |
| Net interest margin | 4.7864% | 642 |
| Noninterest income to average assets | 1.2927% | 778 |
| Noninterest expense to average assets | 3.1601% | 2,961 |
| Loan and lease loss provision to assets | 0.2748% | 3,312 |
| Net operating income to assets | 1.4661% | 1,014 |
| Return on assets (ROA) | 1.4692% | 1,089 |
| Pretax return on assets | 2.0301% | 589 |
| Return on Equity (ROE) | 11.3725% | 1,736 |
| Retained earnings to average equity (ytd only) | 2.8306% | 4,659 |
| Net charge-offs to loans | 0.2226% | 4,039 |
| Credit loss provision to net charge-offs | 212.3746% | 1,364 |
| Earnings coverage of net charge-offs (x) | 17.7791% | 1,333 |
| Efficiency ratio | 56.4353% | 6,221 |
| Assets per employee ($millions) | 4.4142% | 3,058 |
| Cash dividends to net income (ytd only)* | 75.1106% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4051% | 1,529 |
| Loan loss allowance to noncurrent loans | 83.8675% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 2.3239% | 2,762 |
| Noncurrent loans to loans | 2.8678% | 2,432 |
| Net loans and leases to total assets | 57.5401% | 4,579 |
| Net loans and leases to deposits | 68.4517% | 4,533 |
| Net loans and leases to core deposits | 73.2452% | 4,557 |
| Total domestic deposits to total assets | 84.0595% | 4,200 |
| Equity capital to assets | 12.5785% | 1,865 |
| Core capital (leverage) ratio | 9.5403% | 4,093 |
| Tier 1 risk-based capital ratio | 13.7487% | 4,538 |
| Total risk-based capital ratio | 15.0150% | 4,488 |
| Memoranda: | ||
| Average total assets | $308,086,500 | 2,084 |
| Average earning assets | $268,279,750 | 2,188 |
| Average equity | $39,802,500 | 1,693 |
| Average total loans | $179,062,250 | 2,278 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2184% | 2,194 |
| Cost of funding earning assets | 0.3838% | 7,165 |
| Net interest margin | 4.8346% | 575 |
| Noninterest income to average assets | 1.1024% | 1,067 |
| Noninterest expense to average assets | 3.2137% | 2,852 |
| Loan and lease loss provision to assets | 0.2418% | 3,487 |
| Net operating income to assets | 1.3566% | 1,182 |
| Return on assets (ROA) | 1.3614% | 1,235 |
| Pretax return on assets | 1.8596% | 768 |
| Return on Equity (ROE) | 10.4384% | 1,968 |
| Retained earnings to average equity (ytd only) | 1.8032% | 5,094 |
| Net charge-offs to loans | 0.0390% | 5,306 |
| Credit loss provision to net charge-offs | 1,073.5294% | 314 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 386 |
| Efficiency ratio | 59.0416% | 6,019 |
| Assets per employee ($millions) | 3.9284% | 3,925 |
| Cash dividends to net income (ytd only)* | 82.7251% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4805% | 1,471 |
| Loan loss allowance to noncurrent loans | 68.2448% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 2.7044% | 2,475 |
| Noncurrent loans to loans | 3.6347% | 1,934 |
| Net loans and leases to total assets | 57.8824% | 4,654 |
| Net loans and leases to deposits | 67.8954% | 4,724 |
| Net loans and leases to core deposits | 73.4897% | 4,641 |
| Total domestic deposits to total assets | 85.2524% | 3,753 |
| Equity capital to assets | 12.7108% | 1,668 |
| Core capital (leverage) ratio | 9.5922% | 3,814 |
| Tier 1 risk-based capital ratio | 14.0521% | 4,135 |
| Total risk-based capital ratio | 15.3192% | 4,093 |
| Memoranda: | ||
| Average total assets | $301,898,000 | 2,135 |
| Average earning assets | $262,646,330 | 2,232 |
| Average equity | $39,374,000 | 1,703 |
| Average total loans | $174,553,670 | 2,358 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2271% | 2,126 |
| Cost of funding earning assets | 0.4137% | 7,199 |
| Net interest margin | 4.8134% | 555 |
| Noninterest income to average assets | 1.1917% | 907 |
| Noninterest expense to average assets | 3.2356% | 2,750 |
| Loan and lease loss provision to assets | 0.2638% | 3,023 |
| Net operating income to assets | 1.3783% | 1,098 |
| Return on assets (ROA) | 1.3892% | 1,127 |
| Pretax return on assets | 1.8937% | 687 |
| Return on Equity (ROE) | 10.5096% | 1,908 |
| Retained earnings to average equity (ytd only) | 1.8113% | 5,030 |
| Net charge-offs to loans | -0.2136% | 7,269 |
| Credit loss provision to net charge-offs | -216.6667% | 5,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6519% | 6,183 |
| Assets per employee ($millions) | 4.2031% | 3,456 |
| Cash dividends to net income (ytd only)* | 82.7653% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6168% | 1,293 |
| Loan loss allowance to noncurrent loans | 151.1881% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 1.5693% | 3,895 |
| Noncurrent loans to loans | 1.7308% | 3,909 |
| Net loans and leases to total assets | 56.3341% | 4,939 |
| Net loans and leases to deposits | 66.4222% | 4,906 |
| Net loans and leases to core deposits | 71.1914% | 4,905 |
| Total domestic deposits to total assets | 84.8121% | 4,125 |
| Equity capital to assets | 12.9739% | 1,393 |
| Core capital (leverage) ratio | 9.8873% | 3,291 |
| Tier 1 risk-based capital ratio | 14.3550% | 3,832 |
| Total risk-based capital ratio | 15.6216% | 3,787 |
| Memoranda: | ||
| Average total assets | $295,713,000 | 2,187 |
| Average earning assets | $257,197,500 | 2,294 |
| Average equity | $39,088,000 | 1,699 |
| Average total loans | $168,564,000 | 2,451 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3480% | 2,905 |
| Cost of funding earning assets | 0.6177% | 7,088 |
| Net interest margin | 4.7303% | 766 |
| Noninterest income to average assets | 1.1128% | 1,196 |
| Noninterest expense to average assets | 3.2670% | 2,841 |
| Loan and lease loss provision to assets | 0.3109% | 4,316 |
| Net operating income to assets | 1.2076% | 1,395 |
| Return on assets (ROA) | 1.6842% | 575 |
| Pretax return on assets | 2.0935% | 393 |
| Return on Equity (ROE) | 11.8663% | 1,342 |
| Retained earnings to average equity (ytd only) | 1.9433% | 4,505 |
| Net charge-offs to loans | 0.2389% | 4,855 |
| Credit loss provision to net charge-offs | 227.2727% | 1,295 |
| Earnings coverage of net charge-offs (x) | 14.0856% | 1,370 |
| Efficiency ratio | 60.3000% | 6,002 |
| Assets per employee ($millions) | 4.0112% | 3,760 |
| Cash dividends to net income (ytd only)* | 83.6229% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6508% | 1,224 |
| Loan loss allowance to noncurrent loans | 92.0111% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 2.0710% | 3,261 |
| Noncurrent loans to loans | 2.8809% | 2,644 |
| Net loans and leases to total assets | 54.6293% | 5,556 |
| Net loans and leases to deposits | 66.4461% | 5,345 |
| Net loans and leases to core deposits | 72.6694% | 5,144 |
| Total domestic deposits to total assets | 82.2159% | 5,119 |
| Equity capital to assets | 13.4742% | 1,187 |
| Core capital (leverage) ratio | 10.1752% | 2,894 |
| Tier 1 risk-based capital ratio | 15.1843% | 3,157 |
| Total risk-based capital ratio | 16.4507% | 3,101 |
| Memoranda: | ||
| Average total assets | $273,368,800 | 2,333 |
| Average earning assets | $235,863,400 | 2,468 |
| Average equity | $38,799,000 | 1,703 |
| Average total loans | $156,545,800 | 2,659 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4060% | 2,850 |
| Cost of funding earning assets | 0.6532% | 7,172 |
| Net interest margin | 4.7528% | 743 |
| Noninterest income to average assets | 1.1344% | 1,086 |
| Noninterest expense to average assets | 3.2755% | 2,656 |
| Loan and lease loss provision to assets | 0.4106% | 3,440 |
| Net operating income to assets | 1.1556% | 1,721 |
| Return on assets (ROA) | 1.7968% | 556 |
| Pretax return on assets | 2.1822% | 429 |
| Return on Equity (ROE) | 12.4904% | 1,387 |
| Retained earnings to average equity (ytd only) | 1.8295% | 5,045 |
| Net charge-offs to loans | 0.3746% | 3,804 |
| Credit loss provision to net charge-offs | 190.3670% | 1,890 |
| Earnings coverage of net charge-offs (x) | 9.0481% | 2,071 |
| Efficiency ratio | 59.9659% | 5,963 |
| Assets per employee ($millions) | 4.1249% | 3,606 |
| Cash dividends to net income (ytd only)* | 85.3523% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7513% | 1,035 |
| Loan loss allowance to noncurrent loans | 106.0942% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 1.9451% | 3,545 |
| Noncurrent loans to loans | 2.5933% | 3,028 |
| Net loans and leases to total assets | 53.0894% | 5,971 |
| Net loans and leases to deposits | 64.5896% | 5,838 |
| Net loans and leases to core deposits | 71.4676% | 5,576 |
| Total domestic deposits to total assets | 82.1949% | 4,915 |
| Equity capital to assets | 14.1693% | 1,116 |
| Core capital (leverage) ratio | 10.3197% | 2,889 |
| Tier 1 risk-based capital ratio | 15.6643% | 2,920 |
| Total risk-based capital ratio | 16.9346% | 2,870 |
| Memoranda: | ||
| Average total assets | $269,510,250 | 2,399 |
| Average earning assets | $232,081,250 | 2,542 |
| Average equity | $38,770,250 | 1,721 |
| Average total loans | $155,165,500 | 2,726 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4817% | 2,608 |
| Cost of funding earning assets | 0.6723% | 7,251 |
| Net interest margin | 4.8094% | 653 |
| Noninterest income to average assets | 1.1367% | 1,011 |
| Noninterest expense to average assets | 3.2763% | 2,641 |
| Loan and lease loss provision to assets | 0.3987% | 3,329 |
| Net operating income to assets | 1.1834% | 1,600 |
| Return on assets (ROA) | 1.1834% | 1,671 |
| Pretax return on assets | 1.5896% | 1,328 |
| Return on Equity (ROE) | 8.1830% | 2,814 |
| Retained earnings to average equity (ytd only) | -4.8224% | 6,532 |
| Net charge-offs to loans | 0.2117% | 4,343 |
| Credit loss provision to net charge-offs | 321.2121% | 1,142 |
| Earnings coverage of net charge-offs (x) | 16.0182% | 1,421 |
| Efficiency ratio | 59.5170% | 6,140 |
| Assets per employee ($millions) | 3.9421% | 3,878 |
| Cash dividends to net income (ytd only)* | 158.9320% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7633% | 1,029 |
| Loan loss allowance to noncurrent loans | 98.6563% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 2.3643% | 3,049 |
| Noncurrent loans to loans | 2.8009% | 2,853 |
| Net loans and leases to total assets | 54.1405% | 5,974 |
| Net loans and leases to deposits | 64.9511% | 5,921 |
| Net loans and leases to core deposits | 71.9777% | 5,672 |
| Total domestic deposits to total assets | 83.3558% | 4,408 |
| Equity capital to assets | 13.9424% | 1,178 |
| Core capital (leverage) ratio | 10.1399% | 3,009 |
| Tier 1 risk-based capital ratio | 14.9403% | 3,182 |
| Total risk-based capital ratio | 16.2105% | 3,141 |
| Memoranda: | ||
| Average total assets | $265,849,330 | 2,454 |
| Average earning assets | $228,179,000 | 2,599 |
| Average equity | $38,445,670 | 1,731 |
| Average total loans | $155,845,670 | 2,746 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5914% | 2,184 |
| Cost of funding earning assets | 0.6830% | 7,369 |
| Net interest margin | 4.9084% | 508 |
| Noninterest income to average assets | 1.0717% | 1,104 |
| Noninterest expense to average assets | 3.2850% | 2,575 |
| Loan and lease loss provision to assets | 0.4567% | 2,686 |
| Net operating income to assets | 1.1554% | 1,664 |
| Return on assets (ROA) | 1.1554% | 1,742 |
| Pretax return on assets | 1.5420% | 1,416 |
| Return on Equity (ROE) | 7.8436% | 2,961 |
| Retained earnings to average equity (ytd only) | -7.6576% | 6,801 |
| Net charge-offs to loans | 0.1240% | 4,225 |
| Credit loss provision to net charge-offs | 612.2449% | 711 |
| Earnings coverage of net charge-offs (x) | 26.7959% | 945 |
| Efficiency ratio | 59.4353% | 6,272 |
| Assets per employee ($millions) | 3.7320% | 4,494 |
| Cash dividends to net income (ytd only)* | 197.6285% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5738% | 1,212 |
| Loan loss allowance to noncurrent loans | 62.5538% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 2.8468% | 2,541 |
| Noncurrent loans to loans | 4.1146% | 1,885 |
| Net loans and leases to total assets | 58.9874% | 5,289 |
| Net loans and leases to deposits | 71.5585% | 5,116 |
| Net loans and leases to core deposits | 78.7974% | 4,922 |
| Total domestic deposits to total assets | 82.4324% | 4,879 |
| Equity capital to assets | 14.6721% | 965 |
| Core capital (leverage) ratio | 10.2353% | 2,891 |
| Tier 1 risk-based capital ratio | 15.0736% | 3,081 |
| Total risk-based capital ratio | 16.3411% | 3,026 |
| Memoranda: | ||
| Average total assets | $262,771,500 | 2,541 |
| Average earning assets | $225,489,000 | 2,684 |
| Average equity | $38,706,500 | 1,732 |
| Average total loans | $158,043,500 | 2,780 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6811% | 3,201 |
| Cost of funding earning assets | 0.7965% | 7,555 |
| Net interest margin | 4.8846% | 580 |
| Noninterest income to average assets | 1.0358% | 1,452 |
| Noninterest expense to average assets | 3.4025% | 2,673 |
| Loan and lease loss provision to assets | 0.6394% | 3,245 |
| Net operating income to assets | 0.9180% | 2,114 |
| Return on assets (ROA) | 0.9405% | 2,104 |
| Pretax return on assets | 1.2527% | 1,821 |
| Return on Equity (ROE) | 6.5047% | 2,989 |
| Retained earnings to average equity (ytd only) | 1.6294% | 3,941 |
| Net charge-offs to loans | 0.6423% | 3,270 |
| Credit loss provision to net charge-offs | 167.8116% | 2,565 |
| Earnings coverage of net charge-offs (x) | 4.8871% | 2,770 |
| Efficiency ratio | 61.0200% | 6,327 |
| Assets per employee ($millions) | 3.8305% | 4,207 |
| Cash dividends to net income (ytd only)* | 74.9503% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4190% | 1,336 |
| Loan loss allowance to noncurrent loans | 67.7665% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 2.5153% | 2,780 |
| Noncurrent loans to loans | 3.5696% | 2,124 |
| Net loans and leases to total assets | 58.3033% | 5,608 |
| Net loans and leases to deposits | 73.1145% | 5,176 |
| Net loans and leases to core deposits | 87.1941% | 5,415 |
| Total domestic deposits to total assets | 79.7424% | 5,755 |
| Equity capital to assets | 14.7874% | 954 |
| Core capital (leverage) ratio | 10.6070% | 2,497 |
| Tier 1 risk-based capital ratio | 15.4171% | 2,750 |
| Total risk-based capital ratio | 16.6820% | 2,697 |
| Memoranda: | ||
| Average total assets | $267,420,200 | 2,449 |
| Average earning assets | $231,522,800 | 2,584 |
| Average equity | $38,664,200 | 1,734 |
| Average total loans | $158,643,000 | 2,782 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6966% | 3,355 |
| Cost of funding earning assets | 0.8253% | 7,659 |
| Net interest margin | 4.8713% | 594 |
| Noninterest income to average assets | 1.0917% | 1,336 |
| Noninterest expense to average assets | 3.4173% | 2,524 |
| Loan and lease loss provision to assets | 0.6264% | 2,885 |
| Net operating income to assets | 0.9420% | 2,264 |
| Return on assets (ROA) | 0.9714% | 2,212 |
| Pretax return on assets | 1.3134% | 1,923 |
| Return on Equity (ROE) | 6.7565% | 3,179 |
| Retained earnings to average equity (ytd only) | 3.6100% | 3,267 |
| Net charge-offs to loans | 0.6733% | 2,673 |
| Credit loss provision to net charge-offs | 157.1072% | 3,034 |
| Earnings coverage of net charge-offs (x) | 4.7656% | 3,016 |
| Efficiency ratio | 60.6208% | 6,335 |
| Assets per employee ($millions) | 3.5672% | 4,770 |
| Cash dividends to net income (ytd only)* | 46.5710% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3648% | 1,212 |
| Loan loss allowance to noncurrent loans | 65.9923% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 2.6247% | 2,651 |
| Noncurrent loans to loans | 3.5834% | 2,084 |
| Net loans and leases to total assets | 56.8875% | 6,044 |
| Net loans and leases to deposits | 71.6305% | 5,710 |
| Net loans and leases to core deposits | 83.9067% | 6,045 |
| Total domestic deposits to total assets | 79.4180% | 5,652 |
| Equity capital to assets | 15.3041% | 929 |
| Core capital (leverage) ratio | 10.4090% | 2,869 |
| Tier 1 risk-based capital ratio | 16.2060% | 2,556 |
| Total risk-based capital ratio | 17.4720% | 2,485 |
| Memoranda: | ||
| Average total assets | $268,198,750 | 2,449 |
| Average earning assets | $232,648,000 | 2,589 |
| Average equity | $38,559,250 | 1,761 |
| Average total loans | $158,824,000 | 2,815 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6950% | 3,568 |
| Cost of funding earning assets | 0.8620% | 7,740 |
| Net interest margin | 4.8331% | 619 |
| Noninterest income to average assets | 1.0488% | 1,437 |
| Noninterest expense to average assets | 3.4461% | 2,505 |
| Loan and lease loss provision to assets | 0.4690% | 3,176 |
| Net operating income to assets | 0.9717% | 2,201 |
| Return on assets (ROA) | 1.0148% | 2,146 |
| Pretax return on assets | 1.3878% | 1,760 |
| Return on Equity (ROE) | 7.2073% | 3,107 |
| Retained earnings to average equity (ytd only) | 4.8468% | 2,596 |
| Net charge-offs to loans | 0.3499% | 3,437 |
| Credit loss provision to net charge-offs | 225.1773% | 2,042 |
| Earnings coverage of net charge-offs (x) | 8.6312% | 2,232 |
| Efficiency ratio | 62.0563% | 6,239 |
| Assets per employee ($millions) | 3.6219% | 4,517 |
| Cash dividends to net income (ytd only)* | 32.7511% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2092% | 1,229 |
| Loan loss allowance to noncurrent loans | 102.6230% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 1.6702% | 3,690 |
| Noncurrent loans to loans | 2.1528% | 3,307 |
| Net loans and leases to total assets | 56.7407% | 6,119 |
| Net loans and leases to deposits | 70.7492% | 5,902 |
| Net loans and leases to core deposits | 82.2773% | 6,215 |
| Total domestic deposits to total assets | 80.1998% | 5,396 |
| Equity capital to assets | 14.2807% | 1,230 |
| Core capital (leverage) ratio | 10.2047% | 3,090 |
| Tier 1 risk-based capital ratio | 15.4998% | 2,810 |
| Total risk-based capital ratio | 16.7626% | 2,739 |
| Memoranda: | ||
| Average total assets | $270,796,000 | 2,441 |
| Average earning assets | $235,046,670 | 2,574 |
| Average equity | $38,128,000 | 1,794 |
| Average total loans | $161,189,670 | 2,794 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7440% | 3,567 |
| Cost of funding earning assets | 0.9087% | 7,803 |
| Net interest margin | 4.8354% | 568 |
| Noninterest income to average assets | 0.8640% | 2,014 |
| Noninterest expense to average assets | 3.4101% | 2,327 |
| Loan and lease loss provision to assets | 0.4956% | 2,493 |
| Net operating income to assets | 0.8440% | 2,934 |
| Return on assets (ROA) | 0.9261% | 2,726 |
| Pretax return on assets | 1.2575% | 2,424 |
| Return on Equity (ROE) | 6.6250% | 3,764 |
| Retained earnings to average equity (ytd only) | 1.8626% | 4,818 |
| Net charge-offs to loans | 0.3215% | 2,812 |
| Credit loss provision to net charge-offs | 255.7252% | 1,841 |
| Earnings coverage of net charge-offs (x) | 8.4733% | 2,184 |
| Efficiency ratio | 63.6896% | 5,747 |
| Assets per employee ($millions) | 3.5797% | 4,622 |
| Cash dividends to net income (ytd only)* | 71.8850% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0578% | 1,314 |
| Loan loss allowance to noncurrent loans | 68.3337% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 2.4858% | 2,311 |
| Noncurrent loans to loans | 3.0113% | 2,169 |
| Net loans and leases to total assets | 59.1057% | 5,793 |
| Net loans and leases to deposits | 74.0183% | 5,474 |
| Net loans and leases to core deposits | 86.2945% | 5,879 |
| Total domestic deposits to total assets | 79.8529% | 5,418 |
| Equity capital to assets | 14.1269% | 1,325 |
| Core capital (leverage) ratio | 9.7693% | 3,670 |
| Tier 1 risk-based capital ratio | 14.2215% | 3,463 |
| Total risk-based capital ratio | 15.4813% | 3,394 |
| Memoranda: | ||
| Average total assets | $270,374,500 | 2,458 |
| Average earning assets | $234,190,500 | 2,595 |
| Average equity | $37,796,000 | 1,804 |
| Average total loans | $162,978,500 | 2,801 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2263% | 4,380 |
| Cost of funding earning assets | 1.5558% | 7,526 |
| Net interest margin | 4.6706% | 1,027 |
| Noninterest income to average assets | 1.0456% | 1,442 |
| Noninterest expense to average assets | 3.2159% | 3,280 |
| Loan and lease loss provision to assets | 0.5459% | 2,636 |
| Net operating income to assets | 0.9715% | 2,681 |
| Return on assets (ROA) | 0.9774% | 2,529 |
| Pretax return on assets | 1.3416% | 2,161 |
| Return on Equity (ROE) | 7.5496% | 3,259 |
| Retained earnings to average equity (ytd only) | 1.7381% | 4,170 |
| Net charge-offs to loans | 0.3122% | 3,305 |
| Credit loss provision to net charge-offs | 297.1429% | 1,525 |
| Earnings coverage of net charge-offs (x) | 10.2305% | 2,552 |
| Efficiency ratio | 58.6704% | 6,577 |
| Assets per employee ($millions) | 3.6303% | 4,338 |
| Cash dividends to net income (ytd only)* | 76.9782% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9087% | 1,396 |
| Loan loss allowance to noncurrent loans | 76.2985% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.9881% | 2,478 |
| Noncurrent loans to loans | 2.5016% | 2,178 |
| Net loans and leases to total assets | 59.0618% | 6,044 |
| Net loans and leases to deposits | 73.8263% | 5,867 |
| Net loans and leases to core deposits | 88.6399% | 5,921 |
| Total domestic deposits to total assets | 80.0010% | 5,025 |
| Equity capital to assets | 13.8334% | 1,484 |
| Core capital (leverage) ratio | 9.3032% | 4,291 |
| Tier 1 risk-based capital ratio | 13.7291% | 3,677 |
| Total risk-based capital ratio | 14.9869% | 3,594 |
| Memoranda: | ||
| Average total assets | $285,771,200 | 2,281 |
| Average earning assets | $247,786,000 | 2,386 |
| Average equity | $36,995,200 | 1,834 |
| Average total loans | $168,186,800 | 2,639 |