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 | 4.2484% | 4,652 |
| Cost of funding earning assets | 0.1377% | 7,063 |
| Net interest margin | 4.1106% | 2,054 |
| Noninterest income to average assets | 1.1210% | 1,196 |
| Noninterest expense to average assets | 3.0511% | 3,055 |
| Loan and lease loss provision to assets | 0.1132% | 4,149 |
| Net operating income to assets | 1.3606% | 1,306 |
| Return on assets (ROA) | 1.3839% | 1,390 |
| Pretax return on assets | 1.8157% | 1,003 |
| Return on Equity (ROE) | 14.6781% | 961 |
| Retained earnings to average equity (ytd only) | 6.6743% | 2,295 |
| Net charge-offs to loans | 0.0910% | 4,465 |
| Credit loss provision to net charge-offs | 247.7064% | 1,120 |
| Earnings coverage of net charge-offs (x) | 41.5412% | 856 |
| Efficiency ratio | 61.6466% | 5,210 |
| Assets per employee ($millions) | 4.6207% | 2,720 |
| Cash dividends to net income (ytd only)* | 54.5290% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4809% | 1,228 |
| Loan loss allowance to noncurrent loans | 155.2591% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8162% | 4,661 |
| Noncurrent loans to loans | 1.5979% | 3,395 |
| Net loans and leases to total assets | 49.5109% | 5,371 |
| Net loans and leases to deposits | 55.6507% | 5,663 |
| Net loans and leases to core deposits | 59.1286% | 5,643 |
| Total domestic deposits to total assets | 88.9672% | 1,448 |
| Equity capital to assets | 9.6304% | 5,020 |
| Core capital (leverage) ratio | 8.6954% | 5,483 |
| Tier 1 risk-based capital ratio | 13.9603% | 4,559 |
| Total risk-based capital ratio | 15.2261% | 4,493 |
| Memoranda: | ||
| Average total assets | $318,038,250 | 2,038 |
| Average earning assets | $296,199,750 | 2,013 |
| Average equity | $29,985,000 | 2,270 |
| Average total loans | $159,667,250 | 2,457 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 4,735 |
| Cost of funding earning assets | 0.1468% | 7,125 |
| Net interest margin | 4.1088% | 2,056 |
| Noninterest income to average assets | 1.1131% | 1,156 |
| Noninterest expense to average assets | 3.0155% | 3,202 |
| Loan and lease loss provision to assets | 0.1556% | 3,573 |
| Net operating income to assets | 1.3446% | 1,321 |
| Return on assets (ROA) | 1.3787% | 1,391 |
| Pretax return on assets | 1.8094% | 1,025 |
| Return on Equity (ROE) | 14.7312% | 979 |
| Retained earnings to average equity (ytd only) | 6.6223% | 2,316 |
| Net charge-offs to loans | 0.0999% | 4,169 |
| Credit loss provision to net charge-offs | 311.3924% | 946 |
| Earnings coverage of net charge-offs (x) | 38.4304% | 905 |
| Efficiency ratio | 61.0969% | 5,408 |
| Assets per employee ($millions) | 4.5057% | 2,896 |
| Cash dividends to net income (ytd only)* | 55.0459% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4780% | 1,314 |
| Loan loss allowance to noncurrent loans | 110.1215% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 1.1473% | 4,096 |
| Noncurrent loans to loans | 2.2502% | 2,671 |
| Net loans and leases to total assets | 49.4952% | 5,423 |
| Net loans and leases to deposits | 56.4990% | 5,596 |
| Net loans and leases to core deposits | 60.0766% | 5,579 |
| Total domestic deposits to total assets | 87.6038% | 2,396 |
| Equity capital to assets | 9.3717% | 5,228 |
| Core capital (leverage) ratio | 8.5970% | 5,526 |
| Tier 1 risk-based capital ratio | 13.4297% | 4,886 |
| Total risk-based capital ratio | 14.6941% | 4,828 |
| Memoranda: | ||
| Average total assets | $316,235,670 | 2,051 |
| Average earning assets | $294,194,670 | 2,020 |
| Average equity | $29,597,000 | 2,283 |
| Average total loans | $158,151,330 | 2,487 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3208% | 4,651 |
| Cost of funding earning assets | 0.1574% | 7,174 |
| Net interest margin | 4.1634% | 1,876 |
| Noninterest income to average assets | 1.0854% | 1,222 |
| Noninterest expense to average assets | 2.9909% | 3,284 |
| Loan and lease loss provision to assets | 0.2563% | 2,403 |
| Net operating income to assets | 1.3059% | 1,444 |
| Return on assets (ROA) | 1.3276% | 1,542 |
| Pretax return on assets | 1.7312% | 1,232 |
| Return on Equity (ROE) | 14.1947% | 1,148 |
| Retained earnings to average equity (ytd only) | 5.9738% | 2,972 |
| Net charge-offs to loans | -0.0232% | 6,231 |
| Credit loss provision to net charge-offs | -2,222.2222% | 6,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4194% | 5,557 |
| Assets per employee ($millions) | 4.6428% | 2,745 |
| Cash dividends to net income (ytd only)* | 57.9151% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6477% | 1,176 |
| Loan loss allowance to noncurrent loans | 110.6874% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 1.1868% | 4,146 |
| Noncurrent loans to loans | 2.3921% | 2,713 |
| Net loans and leases to total assets | 48.0054% | 5,556 |
| Net loans and leases to deposits | 54.0753% | 5,801 |
| Net loans and leases to core deposits | 57.3542% | 5,774 |
| Total domestic deposits to total assets | 88.7751% | 1,831 |
| Equity capital to assets | 9.3117% | 5,083 |
| Core capital (leverage) ratio | 8.6492% | 5,383 |
| Tier 1 risk-based capital ratio | 13.5777% | 4,770 |
| Total risk-based capital ratio | 14.8420% | 4,744 |
| Memoranda: | ||
| Average total assets | $312,147,000 | 2,080 |
| Average earning assets | $289,761,500 | 2,062 |
| Average equity | $29,194,000 | 2,313 |
| Average total loans | $154,902,500 | 2,558 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5833% | 4,742 |
| Cost of funding earning assets | 0.2060% | 7,232 |
| Net interest margin | 4.3773% | 1,453 |
| Noninterest income to average assets | 1.4279% | 638 |
| Noninterest expense to average assets | 3.2905% | 2,551 |
| Loan and lease loss provision to assets | 0.4547% | 2,325 |
| Net operating income to assets | 1.3541% | 1,132 |
| Return on assets (ROA) | 1.3671% | 1,179 |
| Pretax return on assets | 1.7612% | 876 |
| Return on Equity (ROE) | 14.5602% | 822 |
| Retained earnings to average equity (ytd only) | 7.5637% | 1,245 |
| Net charge-offs to loans | 0.1417% | 5,009 |
| Credit loss provision to net charge-offs | 641.4634% | 351 |
| Earnings coverage of net charge-offs (x) | 31.0293% | 823 |
| Efficiency ratio | 59.9383% | 5,769 |
| Assets per employee ($millions) | 4.3463% | 3,173 |
| Cash dividends to net income (ytd only)* | 48.0526% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5388% | 1,264 |
| Loan loss allowance to noncurrent loans | 98.6388% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 1.3419% | 3,986 |
| Noncurrent loans to loans | 2.5739% | 2,549 |
| Net loans and leases to total assets | 48.6778% | 5,755 |
| Net loans and leases to deposits | 53.9683% | 6,070 |
| Net loans and leases to core deposits | 57.1801% | 6,063 |
| Total domestic deposits to total assets | 90.1972% | 884 |
| Equity capital to assets | 9.3945% | 5,026 |
| Core capital (leverage) ratio | 8.8568% | 5,011 |
| Tier 1 risk-based capital ratio | 13.5647% | 4,646 |
| Total risk-based capital ratio | 14.8290% | 4,609 |
| Memoranda: | ||
| Average total assets | $289,229,600 | 2,199 |
| Average earning assets | $268,385,200 | 2,181 |
| Average equity | $27,156,200 | 2,387 |
| Average total loans | $144,630,200 | 2,719 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6711% | 4,588 |
| Cost of funding earning assets | 0.2182% | 7,314 |
| Net interest margin | 4.4530% | 1,271 |
| Noninterest income to average assets | 1.4749% | 602 |
| Noninterest expense to average assets | 3.3652% | 2,289 |
| Loan and lease loss provision to assets | 0.5673% | 1,728 |
| Net operating income to assets | 1.3161% | 1,339 |
| Return on assets (ROA) | 1.3197% | 1,413 |
| Pretax return on assets | 1.6812% | 1,182 |
| Return on Equity (ROE) | 14.0583% | 1,032 |
| Retained earnings to average equity (ytd only) | 6.5672% | 2,212 |
| Net charge-offs to loans | 0.3861% | 3,187 |
| Credit loss provision to net charge-offs | 293.6893% | 976 |
| Earnings coverage of net charge-offs (x) | 11.6165% | 1,792 |
| Efficiency ratio | 59.9967% | 5,724 |
| Assets per employee ($millions) | 4.2997% | 3,278 |
| Cash dividends to net income (ytd only)* | 53.2860% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4525% | 1,461 |
| Loan loss allowance to noncurrent loans | 87.3817% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.5049% | 3,858 |
| Noncurrent loans to loans | 2.8066% | 2,476 |
| Net loans and leases to total assets | 48.9871% | 5,838 |
| Net loans and leases to deposits | 54.8768% | 6,133 |
| Net loans and leases to core deposits | 58.7925% | 6,066 |
| Total domestic deposits to total assets | 89.2674% | 1,274 |
| Equity capital to assets | 9.7096% | 4,768 |
| Core capital (leverage) ratio | 8.7761% | 5,302 |
| Tier 1 risk-based capital ratio | 13.6415% | 4,621 |
| Total risk-based capital ratio | 14.9049% | 4,581 |
| Memoranda: | ||
| Average total assets | $284,391,000 | 2,243 |
| Average earning assets | $264,027,000 | 2,221 |
| Average equity | $26,697,750 | 2,424 |
| Average total loans | $142,256,500 | 2,773 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6833% | 4,609 |
| Cost of funding earning assets | 0.2292% | 7,385 |
| Net interest margin | 4.4541% | 1,238 |
| Noninterest income to average assets | 1.4532% | 604 |
| Noninterest expense to average assets | 3.4210% | 2,205 |
| Loan and lease loss provision to assets | 0.5324% | 1,833 |
| Net operating income to assets | 1.2900% | 1,346 |
| Return on assets (ROA) | 1.2906% | 1,416 |
| Pretax return on assets | 1.6385% | 1,186 |
| Return on Equity (ROE) | 13.9129% | 998 |
| Retained earnings to average equity (ytd only) | 7.7906% | 1,533 |
| Net charge-offs to loans | 0.5756% | 2,381 |
| Credit loss provision to net charge-offs | 185.1852% | 1,630 |
| Earnings coverage of net charge-offs (x) | 7.5481% | 2,201 |
| Efficiency ratio | 61.1859% | 5,703 |
| Assets per employee ($millions) | 3.9838% | 3,783 |
| Cash dividends to net income (ytd only)* | 44.0044% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2060% | 1,910 |
| Loan loss allowance to noncurrent loans | 171.8886% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.8524% | 5,166 |
| Noncurrent loans to loans | 1.2834% | 4,516 |
| Net loans and leases to total assets | 49.3539% | 5,906 |
| Net loans and leases to deposits | 55.1267% | 6,215 |
| Net loans and leases to core deposits | 59.0640% | 6,186 |
| Total domestic deposits to total assets | 89.5281% | 1,224 |
| Equity capital to assets | 9.6584% | 4,591 |
| Core capital (leverage) ratio | 8.8582% | 4,946 |
| Tier 1 risk-based capital ratio | 14.3612% | 3,896 |
| Total risk-based capital ratio | 15.6214% | 3,853 |
| Memoranda: | ||
| Average total assets | $281,727,670 | 2,274 |
| Average earning assets | $261,738,670 | 2,239 |
| Average equity | $26,134,000 | 2,450 |
| Average total loans | $140,732,000 | 2,833 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 4,655 |
| Cost of funding earning assets | 0.2453% | 7,444 |
| Net interest margin | 4.4223% | 1,233 |
| Noninterest income to average assets | 1.4966% | 580 |
| Noninterest expense to average assets | 3.3959% | 2,292 |
| Loan and lease loss provision to assets | 0.4979% | 1,755 |
| Net operating income to assets | 1.3433% | 1,165 |
| Return on assets (ROA) | 1.3444% | 1,213 |
| Pretax return on assets | 1.7086% | 969 |
| Return on Equity (ROE) | 14.7994% | 856 |
| Retained earnings to average equity (ytd only) | 8.5351% | 1,544 |
| Net charge-offs to loans | 0.0945% | 3,999 |
| Credit loss provision to net charge-offs | 1,060.6061% | 366 |
| Earnings coverage of net charge-offs (x) | 46.9697% | 604 |
| Efficiency ratio | 60.6299% | 5,885 |
| Assets per employee ($millions) | 3.9494% | 3,943 |
| Cash dividends to net income (ytd only)* | 42.3280% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2327% | 1,886 |
| Loan loss allowance to noncurrent loans | 864.2659% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.3756% | 6,265 |
| Noncurrent loans to loans | 0.2583% | 6,475 |
| Net loans and leases to total assets | 48.0449% | 6,070 |
| Net loans and leases to deposits | 53.6678% | 6,325 |
| Net loans and leases to core deposits | 57.7866% | 6,282 |
| Total domestic deposits to total assets | 89.5227% | 1,474 |
| Equity capital to assets | 9.1311% | 4,985 |
| Core capital (leverage) ratio | 8.7877% | 4,950 |
| Tier 1 risk-based capital ratio | 13.9975% | 4,071 |
| Total risk-based capital ratio | 15.2556% | 4,048 |
| Memoranda: | ||
| Average total assets | $281,165,000 | 2,295 |
| Average earning assets | $260,953,000 | 2,262 |
| Average equity | $25,541,500 | 2,491 |
| Average total loans | $139,724,000 | 2,896 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 5,781 |
| Cost of funding earning assets | 0.3871% | 7,436 |
| Net interest margin | 4.3194% | 1,758 |
| Noninterest income to average assets | 1.3396% | 818 |
| Noninterest expense to average assets | 3.2027% | 3,083 |
| Loan and lease loss provision to assets | 1.0812% | 1,482 |
| Net operating income to assets | 0.9455% | 2,216 |
| Return on assets (ROA) | 0.9461% | 2,343 |
| Pretax return on assets | 1.0689% | 2,704 |
| Return on Equity (ROE) | 10.5158% | 1,757 |
| Retained earnings to average equity (ytd only) | 8.5097% | 835 |
| Net charge-offs to loans | 1.7314% | 1,251 |
| Credit loss provision to net charge-offs | 124.1194% | 3,327 |
| Earnings coverage of net charge-offs (x) | 2.4675% | 3,887 |
| Efficiency ratio | 59.8408% | 6,072 |
| Assets per employee ($millions) | 3.6100% | 4,673 |
| Cash dividends to net income (ytd only)* | 19.0767% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0063% | 2,280 |
| Loan loss allowance to noncurrent loans | 338.5266% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 6,251 |
| Noncurrent loans to loans | 0.5927% | 5,858 |
| Net loans and leases to total assets | 49.2515% | 6,249 |
| Net loans and leases to deposits | 54.6937% | 6,552 |
| Net loans and leases to core deposits | 59.1594% | 6,463 |
| Total domestic deposits to total assets | 90.0498% | 1,069 |
| Equity capital to assets | 9.0361% | 5,089 |
| Core capital (leverage) ratio | 8.7173% | 4,988 |
| Tier 1 risk-based capital ratio | 13.8726% | 3,946 |
| Total risk-based capital ratio | 15.1291% | 3,922 |
| Memoranda: | ||
| Average total assets | $277,019,400 | 2,310 |
| Average earning assets | $257,329,800 | 2,280 |
| Average equity | $24,924,400 | 2,565 |
| Average total loans | $139,365,400 | 2,963 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7077% | 5,989 |
| Cost of funding earning assets | 0.4149% | 7,554 |
| Net interest margin | 4.2928% | 1,868 |
| Noninterest income to average assets | 1.3705% | 721 |
| Noninterest expense to average assets | 3.1422% | 3,136 |
| Loan and lease loss provision to assets | 1.1176% | 1,300 |
| Net operating income to assets | 0.9332% | 2,485 |
| Return on assets (ROA) | 0.9340% | 2,611 |
| Pretax return on assets | 1.0988% | 2,828 |
| Return on Equity (ROE) | 10.3926% | 1,978 |
| Retained earnings to average equity (ytd only) | 10.3926% | 701 |
| Net charge-offs to loans | 2.0476% | 912 |
| Credit loss provision to net charge-offs | 108.4619% | 3,926 |
| Earnings coverage of net charge-offs (x) | 2.1501% | 4,111 |
| Efficiency ratio | 58.6495% | 6,169 |
| Assets per employee ($millions) | 4.0237% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7417% | 3,018 |
| Loan loss allowance to noncurrent loans | 426.6430% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 6,602 |
| Noncurrent loans to loans | 0.4082% | 6,383 |
| Net loans and leases to total assets | 48.8089% | 6,451 |
| Net loans and leases to deposits | 55.2540% | 6,668 |
| Net loans and leases to core deposits | 59.9293% | 6,607 |
| Total domestic deposits to total assets | 88.3354% | 1,771 |
| Equity capital to assets | 9.5045% | 4,834 |
| Core capital (leverage) ratio | 8.8850% | 4,869 |
| Tier 1 risk-based capital ratio | 13.7675% | 4,008 |
| Total risk-based capital ratio | 15.0231% | 3,957 |
| Memoranda: | ||
| Average total assets | $276,781,000 | 2,339 |
| Average earning assets | $257,075,250 | 2,312 |
| Average equity | $24,876,000 | 2,604 |
| Average total loans | $139,279,500 | 2,996 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7032% | 6,138 |
| Cost of funding earning assets | 0.4315% | 7,630 |
| Net interest margin | 4.2717% | 1,886 |
| Noninterest income to average assets | 1.3208% | 729 |
| Noninterest expense to average assets | 3.2094% | 2,871 |
| Loan and lease loss provision to assets | 1.3671% | 989 |
| Net operating income to assets | 0.6764% | 3,507 |
| Return on assets (ROA) | 0.6778% | 3,643 |
| Pretax return on assets | 0.7132% | 4,189 |
| Return on Equity (ROE) | 7.6892% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.6892% | 1,557 |
| Net charge-offs to loans | 3.0315% | 516 |
| Credit loss provision to net charge-offs | 89.2351% | 4,445 |
| Earnings coverage of net charge-offs (x) | 1.3569% | 4,468 |
| Efficiency ratio | 60.6894% | 5,922 |
| Assets per employee ($millions) | 3.7706% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 4,249 |
| Loan loss allowance to noncurrent loans | 348.2517% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 6,528 |
| Noncurrent loans to loans | 0.4128% | 6,418 |
| Net loans and leases to total assets | 50.3013% | 6,397 |
| Net loans and leases to deposits | 56.2973% | 6,701 |
| Net loans and leases to core deposits | 58.4966% | 6,799 |
| Total domestic deposits to total assets | 89.3494% | 1,256 |
| Equity capital to assets | 9.0984% | 5,295 |
| Core capital (leverage) ratio | 8.2735% | 5,817 |
| Tier 1 risk-based capital ratio | 13.2635% | 4,237 |
| Total risk-based capital ratio | 14.4319% | 4,255 |
| Memoranda: | ||
| Average total assets | $276,496,000 | 2,359 |
| Average earning assets | $256,805,000 | 2,336 |
| Average equity | $24,372,000 | 2,654 |
| Average total loans | $139,735,000 | 3,021 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5744% | 6,625 |
| Cost of funding earning assets | 0.4413% | 7,744 |
| Net interest margin | 4.1331% | 2,308 |
| Noninterest income to average assets | 1.2487% | 790 |
| Noninterest expense to average assets | 2.9505% | 3,853 |
| Loan and lease loss provision to assets | 0.2867% | 3,734 |
| Net operating income to assets | 1.4179% | 1,037 |
| Return on assets (ROA) | 1.4179% | 1,108 |
| Pretax return on assets | 1.8652% | 783 |
| Return on Equity (ROE) | 16.3420% | 679 |
| Retained earnings to average equity (ytd only) | 16.3420% | 319 |
| Net charge-offs to loans | 0.1739% | 3,883 |
| Credit loss provision to net charge-offs | 327.8689% | 1,211 |
| Earnings coverage of net charge-offs (x) | 24.6066% | 1,009 |
| Efficiency ratio | 57.8252% | 6,515 |
| Assets per employee ($millions) | 4.1218% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 3,279 |
| Loan loss allowance to noncurrent loans | 468.2540% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 6,718 |
| Noncurrent loans to loans | 0.3510% | 6,597 |
| Net loans and leases to total assets | 49.6649% | 6,501 |
| Net loans and leases to deposits | 54.9370% | 6,851 |
| Net loans and leases to core deposits | 56.9872% | 6,935 |
| Total domestic deposits to total assets | 90.4034% | 780 |
| Equity capital to assets | 8.6915% | 5,745 |
| Core capital (leverage) ratio | 8.3948% | 5,573 |
| Tier 1 risk-based capital ratio | 13.2284% | 4,187 |
| Total risk-based capital ratio | 14.4821% | 4,135 |
| Memoranda: | ||
| Average total assets | $279,001,000 | 2,400 |
| Average earning assets | $260,142,000 | 2,352 |
| Average equity | $24,207,500 | 2,700 |
| Average total loans | $140,326,000 | 3,071 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9686% | 6,531 |
| Cost of funding earning assets | 0.5464% | 7,805 |
| Net interest margin | 4.4222% | 1,370 |
| Noninterest income to average assets | 1.5400% | 600 |
| Noninterest expense to average assets | 3.2454% | 3,205 |
| Loan and lease loss provision to assets | 0.4390% | 4,197 |
| Net operating income to assets | 1.4921% | 685 |
| Return on assets (ROA) | 1.5369% | 665 |
| Pretax return on assets | 2.0245% | 387 |
| Return on Equity (ROE) | 17.2447% | 433 |
| Retained earnings to average equity (ytd only) | 6.8162% | 1,030 |
| Net charge-offs to loans | 0.6489% | 3,245 |
| Credit loss provision to net charge-offs | 127.0023% | 4,088 |
| Earnings coverage of net charge-offs (x) | 6.9565% | 2,254 |
| Efficiency ratio | 57.4409% | 6,843 |
| Assets per employee ($millions) | 3.9085% | 4,006 |
| Cash dividends to net income (ytd only)* | 60.4735% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 3,194 |
| Loan loss allowance to noncurrent loans | 460.7884% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 6,671 |
| Noncurrent loans to loans | 0.3517% | 6,572 |
| Net loans and leases to total assets | 49.2774% | 6,705 |
| Net loans and leases to deposits | 54.3655% | 7,027 |
| Net loans and leases to core deposits | 59.0204% | 7,299 |
| Total domestic deposits to total assets | 90.6410% | 679 |
| Equity capital to assets | 8.6609% | 5,643 |
| Core capital (leverage) ratio | 8.7442% | 4,849 |
| Tier 1 risk-based capital ratio | 13.4401% | 3,859 |
| Total risk-based capital ratio | 14.6936% | 3,803 |
| Memoranda: | ||
| Average total assets | $252,850,600 | 2,580 |
| Average earning assets | $234,994,800 | 2,553 |
| Average equity | $22,534,400 | 2,885 |
| Average total loans | $134,690,600 | 3,178 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0559% | 6,431 |
| Cost of funding earning assets | 0.5722% | 7,900 |
| Net interest margin | 4.4837% | 1,232 |
| Noninterest income to average assets | 1.5515% | 621 |
| Noninterest expense to average assets | 3.2818% | 2,990 |
| Loan and lease loss provision to assets | 0.4145% | 3,836 |
| Net operating income to assets | 1.5264% | 770 |
| Return on assets (ROA) | 1.5865% | 736 |
| Pretax return on assets | 2.1033% | 439 |
| Return on Equity (ROE) | 17.6643% | 485 |
| Retained earnings to average equity (ytd only) | 8.3736% | 1,020 |
| Net charge-offs to loans | 0.3032% | 4,136 |
| Credit loss provision to net charge-offs | 252.4590% | 1,699 |
| Earnings coverage of net charge-offs (x) | 14.8458% | 1,570 |
| Efficiency ratio | 57.3795% | 6,807 |
| Assets per employee ($millions) | 3.5909% | 4,708 |
| Cash dividends to net income (ytd only)* | 52.5959% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8305% | 2,193 |
| Loan loss allowance to noncurrent loans | 209.0444% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4779% | 6,271 |
| Noncurrent loans to loans | 0.8756% | 5,539 |
| Net loans and leases to total assets | 53.0304% | 6,494 |
| Net loans and leases to deposits | 59.1397% | 6,892 |
| Net loans and leases to core deposits | 64.2633% | 7,239 |
| Total domestic deposits to total assets | 89.6697% | 899 |
| Equity capital to assets | 9.6107% | 4,605 |
| Core capital (leverage) ratio | 8.8944% | 4,819 |
| Tier 1 risk-based capital ratio | 13.6389% | 3,756 |
| Total risk-based capital ratio | 14.8960% | 3,694 |
| Memoranda: | ||
| Average total assets | $247,663,750 | 2,645 |
| Average earning assets | $230,220,250 | 2,615 |
| Average equity | $22,244,000 | 2,943 |
| Average total loans | $134,102,500 | 3,224 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0487% | 6,623 |
| Cost of funding earning assets | 0.5944% | 7,993 |
| Net interest margin | 4.4542% | 1,276 |
| Noninterest income to average assets | 1.5079% | 652 |
| Noninterest expense to average assets | 3.3042% | 2,939 |
| Loan and lease loss provision to assets | 0.2988% | 4,173 |
| Net operating income to assets | 1.5319% | 782 |
| Return on assets (ROA) | 1.5943% | 758 |
| Pretax return on assets | 2.1217% | 412 |
| Return on Equity (ROE) | 18.1760% | 478 |
| Retained earnings to average equity (ytd only) | 11.0400% | 559 |
| Net charge-offs to loans | 0.3145% | 3,614 |
| Credit loss provision to net charge-offs | 175.3555% | 2,612 |
| Earnings coverage of net charge-offs (x) | 13.7156% | 1,716 |
| Efficiency ratio | 58.5684% | 6,754 |
| Assets per employee ($millions) | 3.2219% | 5,529 |
| Cash dividends to net income (ytd only)* | 39.2604% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 2,740 |
| Loan loss allowance to noncurrent loans | 214.9299% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 6,447 |
| Noncurrent loans to loans | 0.7447% | 5,750 |
| Net loans and leases to total assets | 53.8563% | 6,469 |
| Net loans and leases to deposits | 60.1660% | 6,876 |
| Net loans and leases to core deposits | 65.3957% | 7,237 |
| Total domestic deposits to total assets | 89.5128% | 1,037 |
| Equity capital to assets | 9.2207% | 4,981 |
| Core capital (leverage) ratio | 8.7316% | 5,038 |
| Tier 1 risk-based capital ratio | 13.5688% | 3,776 |
| Total risk-based capital ratio | 14.8221% | 3,703 |
| Memoranda: | ||
| Average total assets | $247,626,670 | 2,657 |
| Average earning assets | $229,803,000 | 2,636 |
| Average equity | $21,721,000 | 3,008 |
| Average total loans | $134,188,000 | 3,264 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0032% | 6,921 |
| Cost of funding earning assets | 0.6239% | 8,040 |
| Net interest margin | 4.3793% | 1,397 |
| Noninterest income to average assets | 1.4843% | 639 |
| Noninterest expense to average assets | 3.2465% | 2,805 |
| Loan and lease loss provision to assets | 0.2570% | 3,906 |
| Net operating income to assets | 1.5264% | 894 |
| Return on assets (ROA) | 1.5614% | 917 |
| Pretax return on assets | 2.0867% | 553 |
| Return on Equity (ROE) | 18.2600% | 570 |
| Retained earnings to average equity (ytd only) | 3.7008% | 3,845 |
| Net charge-offs to loans | 0.0238% | 5,217 |
| Credit loss provision to net charge-offs | 2,000.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 178.7500% | 243 |
| Efficiency ratio | 58.5627% | 6,613 |
| Assets per employee ($millions) | 3.3339% | 5,238 |
| Cash dividends to net income (ytd only)* | 79.7325% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 2,361 |
| Loan loss allowance to noncurrent loans | 187.7856% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 6,146 |
| Noncurrent loans to loans | 0.8726% | 5,270 |
| Net loans and leases to total assets | 50.6297% | 6,800 |
| Net loans and leases to deposits | 56.4036% | 7,143 |
| Net loans and leases to core deposits | 60.3771% | 7,438 |
| Total domestic deposits to total assets | 89.7633% | 903 |
| Equity capital to assets | 8.4693% | 6,119 |
| Core capital (leverage) ratio | 8.3296% | 5,850 |
| Tier 1 risk-based capital ratio | 12.7831% | 4,333 |
| Total risk-based capital ratio | 14.0358% | 4,243 |
| Memoranda: | ||
| Average total assets | $249,009,500 | 2,657 |
| Average earning assets | $230,814,500 | 2,636 |
| Average equity | $21,292,500 | 3,078 |
| Average total loans | $134,273,000 | 3,283 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8346% | 6,316 |
| Cost of funding earning assets | 1.1236% | 7,995 |
| Net interest margin | 4.7110% | 950 |
| Noninterest income to average assets | 1.6201% | 529 |
| Noninterest expense to average assets | 3.3724% | 2,757 |
| Loan and lease loss provision to assets | 0.2115% | 4,780 |
| Net operating income to assets | 1.7306% | 637 |
| Return on assets (ROA) | 1.7412% | 595 |
| Pretax return on assets | 2.3781% | 258 |
| Return on Equity (ROE) | 20.5298% | 334 |
| Retained earnings to average equity (ytd only) | 3.4176% | 3,015 |
| Net charge-offs to loans | 0.0911% | 5,434 |
| Credit loss provision to net charge-offs | 408.0000% | 1,073 |
| Earnings coverage of net charge-offs (x) | 49.6800% | 764 |
| Efficiency ratio | 56.7036% | 6,908 |
| Assets per employee ($millions) | 3.2190% | 5,430 |
| Cash dividends to net income (ytd only)* | 83.3532% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 2,984 |
| Loan loss allowance to noncurrent loans | 476.2590% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 6,887 |
| Noncurrent loans to loans | 0.3019% | 6,474 |
| Net loans and leases to total assets | 55.6482% | 6,469 |
| Net loans and leases to deposits | 61.4277% | 6,994 |
| Net loans and leases to core deposits | 66.1617% | 7,356 |
| Total domestic deposits to total assets | 90.5913% | 456 |
| Equity capital to assets | 8.6353% | 5,887 |
| Core capital (leverage) ratio | 8.2582% | 6,037 |
| Tier 1 risk-based capital ratio | 12.4408% | 4,483 |
| Total risk-based capital ratio | 13.6660% | 4,392 |
| Memoranda: | ||
| Average total assets | $241,162,000 | 2,646 |
| Average earning assets | $221,524,800 | 2,641 |
| Average equity | $20,453,200 | 3,162 |
| Average total loans | $137,184,600 | 3,141 |