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 | 4.8432% | 2,224 |
| Cost of funding earning assets | 0.1631% | 7,009 |
| Net interest margin | 4.6801% | 698 |
| Noninterest income to average assets | 0.7328% | 2,554 |
| Noninterest expense to average assets | 2.0893% | 6,187 |
| Loan and lease loss provision to assets | 0.0539% | 5,071 |
| Net operating income to assets | 2.0444% | 363 |
| Return on assets (ROA) | 2.1006% | 368 |
| Pretax return on assets | 3.0045% | 153 |
| Return on Equity (ROE) | 17.8195% | 522 |
| Retained earnings to average equity (ytd only) | 10.9066% | 700 |
| Net charge-offs to loans | 0.1139% | 4,247 |
| Credit loss provision to net charge-offs | 89.5833% | 3,309 |
| Earnings coverage of net charge-offs (x) | 49.4884% | 759 |
| Efficiency ratio | 41.2296% | 6,989 |
| Assets per employee ($millions) | 5.8243% | 1,355 |
| Cash dividends to net income (ytd only)* | 38.7944% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8985% | 2,483 |
| Loan loss allowance to noncurrent loans | 209.5238% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 4,921 |
| Noncurrent loans to loans | 0.9061% | 4,615 |
| Net loans and leases to total assets | 52.7511% | 4,948 |
| Net loans and leases to deposits | 64.8925% | 4,607 |
| Net loans and leases to core deposits | 67.0896% | 4,826 |
| Total domestic deposits to total assets | 81.2899% | 5,271 |
| Equity capital to assets | 12.1838% | 2,124 |
| Core capital (leverage) ratio | 8.1360% | 6,200 |
| Tier 1 risk-based capital ratio | 15.6890% | 3,435 |
| Total risk-based capital ratio | 16.9538% | 3,387 |
| Memoranda: | ||
| Average total assets | $212,695,750 | 2,931 |
| Average earning assets | $196,998,750 | 2,897 |
| Average equity | $25,073,000 | 2,680 |
| Average total loans | $112,376,000 | 3,272 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8917% | 2,143 |
| Cost of funding earning assets | 0.1766% | 7,068 |
| Net interest margin | 4.7151% | 654 |
| Noninterest income to average assets | 0.7140% | 2,584 |
| Noninterest expense to average assets | 2.0476% | 6,339 |
| Loan and lease loss provision to assets | 0.0784% | 4,630 |
| Net operating income to assets | 2.0633% | 354 |
| Return on assets (ROA) | 2.1175% | 370 |
| Pretax return on assets | 3.0279% | 150 |
| Return on Equity (ROE) | 18.1695% | 487 |
| Retained earnings to average equity (ytd only) | 11.2810% | 694 |
| Net charge-offs to loans | 0.0953% | 4,206 |
| Credit loss provision to net charge-offs | 156.6038% | 1,772 |
| Earnings coverage of net charge-offs (x) | 60.5094% | 628 |
| Efficiency ratio | 40.3349% | 7,058 |
| Assets per employee ($millions) | 5.6209% | 1,503 |
| Cash dividends to net income (ytd only)* | 37.9126% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0007% | 2,227 |
| Loan loss allowance to noncurrent loans | 208.5661% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.7238% | 4,985 |
| Noncurrent loans to loans | 0.9593% | 4,590 |
| Net loans and leases to total assets | 51.3690% | 5,174 |
| Net loans and leases to deposits | 64.0703% | 4,758 |
| Net loans and leases to core deposits | 66.2895% | 4,965 |
| Total domestic deposits to total assets | 80.1759% | 5,697 |
| Equity capital to assets | 11.9104% | 2,212 |
| Core capital (leverage) ratio | 8.0555% | 6,215 |
| Tier 1 risk-based capital ratio | 15.1091% | 3,697 |
| Total risk-based capital ratio | 16.3750% | 3,651 |
| Memoranda: | ||
| Average total assets | $211,761,330 | 2,951 |
| Average earning assets | $195,924,330 | 2,922 |
| Average equity | $24,678,670 | 2,700 |
| Average total loans | $111,208,670 | 3,305 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 2,104 |
| Cost of funding earning assets | 0.1911% | 7,121 |
| Net interest margin | 4.7461% | 631 |
| Noninterest income to average assets | 0.7228% | 2,545 |
| Noninterest expense to average assets | 2.0451% | 6,384 |
| Loan and lease loss provision to assets | 0.0797% | 4,400 |
| Net operating income to assets | 2.0766% | 364 |
| Return on assets (ROA) | 2.1855% | 355 |
| Pretax return on assets | 3.1360% | 164 |
| Return on Equity (ROE) | 18.9645% | 456 |
| Retained earnings to average equity (ytd only) | 12.3796% | 772 |
| Net charge-offs to loans | 0.0794% | 3,704 |
| Credit loss provision to net charge-offs | 190.9091% | 1,383 |
| Earnings coverage of net charge-offs (x) | 73.3182% | 457 |
| Efficiency ratio | 40.0595% | 7,106 |
| Assets per employee ($millions) | 6.1871% | 1,162 |
| Cash dividends to net income (ytd only)* | 34.7222% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9984% | 2,357 |
| Loan loss allowance to noncurrent loans | 234.2437% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 5,245 |
| Noncurrent loans to loans | 0.8531% | 4,967 |
| Net loans and leases to total assets | 50.5027% | 5,233 |
| Net loans and leases to deposits | 61.9499% | 4,925 |
| Net loans and leases to core deposits | 64.0540% | 5,104 |
| Total domestic deposits to total assets | 81.5218% | 5,458 |
| Equity capital to assets | 11.3472% | 2,579 |
| Core capital (leverage) ratio | 7.7485% | 6,448 |
| Tier 1 risk-based capital ratio | 14.3414% | 4,214 |
| Total risk-based capital ratio | 15.6053% | 4,179 |
| Memoranda: | ||
| Average total assets | $210,845,000 | 2,979 |
| Average earning assets | $194,685,000 | 2,965 |
| Average equity | $24,298,000 | 2,738 |
| Average total loans | $110,832,500 | 3,330 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3370% | 1,602 |
| Cost of funding earning assets | 0.2890% | 7,122 |
| Net interest margin | 5.0480% | 372 |
| Noninterest income to average assets | 0.7600% | 2,280 |
| Noninterest expense to average assets | 2.3308% | 5,975 |
| Loan and lease loss provision to assets | 0.1359% | 4,921 |
| Net operating income to assets | 2.0294% | 292 |
| Return on assets (ROA) | 2.0294% | 312 |
| Pretax return on assets | 2.9203% | 132 |
| Return on Equity (ROE) | 18.2665% | 363 |
| Retained earnings to average equity (ytd only) | 9.8160% | 604 |
| Net charge-offs to loans | 0.2295% | 4,349 |
| Credit loss provision to net charge-offs | 106.5891% | 3,185 |
| Earnings coverage of net charge-offs (x) | 23.9729% | 1,004 |
| Efficiency ratio | 43.2673% | 7,141 |
| Assets per employee ($millions) | 5.1286% | 2,022 |
| Cash dividends to net income (ytd only)* | 46.2625% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0078% | 2,251 |
| Loan loss allowance to noncurrent loans | 203.8745% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.7585% | 5,127 |
| Noncurrent loans to loans | 0.9848% | 4,736 |
| Net loans and leases to total assets | 52.5794% | 5,221 |
| Net loans and leases to deposits | 66.9433% | 4,591 |
| Net loans and leases to core deposits | 69.4385% | 4,859 |
| Total domestic deposits to total assets | 78.5433% | 6,086 |
| Equity capital to assets | 11.7109% | 2,332 |
| Core capital (leverage) ratio | 7.7990% | 6,440 |
| Tier 1 risk-based capital ratio | 14.0809% | 4,271 |
| Total risk-based capital ratio | 15.3462% | 4,210 |
| Memoranda: | ||
| Average total assets | $202,376,000 | 3,033 |
| Average earning assets | $185,498,600 | 3,024 |
| Average equity | $22,483,800 | 2,838 |
| Average total loans | $112,410,800 | 3,324 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4119% | 1,479 |
| Cost of funding earning assets | 0.3096% | 7,200 |
| Net interest margin | 5.1023% | 338 |
| Noninterest income to average assets | 0.7583% | 2,272 |
| Noninterest expense to average assets | 2.3535% | 5,898 |
| Loan and lease loss provision to assets | 0.1487% | 4,588 |
| Net operating income to assets | 2.0302% | 323 |
| Return on assets (ROA) | 2.0302% | 348 |
| Pretax return on assets | 2.9299% | 145 |
| Return on Equity (ROE) | 18.5285% | 415 |
| Retained earnings to average equity (ytd only) | 9.4784% | 991 |
| Net charge-offs to loans | 0.1074% | 4,932 |
| Credit loss provision to net charge-offs | 247.2527% | 1,161 |
| Earnings coverage of net charge-offs (x) | 51.1760% | 634 |
| Efficiency ratio | 43.3248% | 7,169 |
| Assets per employee ($millions) | 5.7894% | 1,358 |
| Cash dividends to net income (ytd only)* | 48.8441% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1015% | 2,064 |
| Loan loss allowance to noncurrent loans | 240.8903% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7092% | 5,380 |
| Noncurrent loans to loans | 0.8724% | 5,113 |
| Net loans and leases to total assets | 53.4980% | 5,242 |
| Net loans and leases to deposits | 67.9555% | 4,617 |
| Net loans and leases to core deposits | 70.7728% | 4,858 |
| Total domestic deposits to total assets | 78.7251% | 6,041 |
| Equity capital to assets | 11.5897% | 2,599 |
| Core capital (leverage) ratio | 7.3846% | 6,818 |
| Tier 1 risk-based capital ratio | 13.3998% | 4,808 |
| Total risk-based capital ratio | 14.6664% | 4,769 |
| Memoranda: | ||
| Average total assets | $201,684,250 | 3,056 |
| Average earning assets | $184,749,000 | 3,041 |
| Average equity | $22,098,750 | 2,877 |
| Average total loans | $112,995,250 | 3,348 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4160% | 1,514 |
| Cost of funding earning assets | 0.3323% | 7,258 |
| Net interest margin | 5.0836% | 344 |
| Noninterest income to average assets | 0.6893% | 2,606 |
| Noninterest expense to average assets | 2.2496% | 6,247 |
| Loan and lease loss provision to assets | 0.2225% | 3,693 |
| Net operating income to assets | 1.9854% | 352 |
| Return on assets (ROA) | 1.9854% | 369 |
| Pretax return on assets | 2.8664% | 153 |
| Return on Equity (ROE) | 18.4776% | 423 |
| Retained earnings to average equity (ytd only) | 9.2342% | 1,042 |
| Net charge-offs to loans | 0.1600% | 4,218 |
| Credit loss provision to net charge-offs | 246.1538% | 1,232 |
| Earnings coverage of net charge-offs (x) | 34.1758% | 840 |
| Efficiency ratio | 42.1395% | 7,296 |
| Assets per employee ($millions) | 5.3019% | 1,759 |
| Cash dividends to net income (ytd only)* | 50.0250% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0307% | 2,283 |
| Loan loss allowance to noncurrent loans | 497.0085% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.8328% | 5,213 |
| Noncurrent loans to loans | 0.4086% | 6,087 |
| Net loans and leases to total assets | 54.2697% | 5,254 |
| Net loans and leases to deposits | 67.7484% | 4,749 |
| Net loans and leases to core deposits | 71.3101% | 4,912 |
| Total domestic deposits to total assets | 80.1048% | 5,793 |
| Equity capital to assets | 10.8651% | 3,109 |
| Core capital (leverage) ratio | 7.0777% | 6,963 |
| Tier 1 risk-based capital ratio | 12.4799% | 5,367 |
| Total risk-based capital ratio | 13.7432% | 5,328 |
| Memoranda: | ||
| Average total assets | $201,369,670 | 3,083 |
| Average earning assets | $184,159,670 | 3,069 |
| Average equity | $21,637,000 | 2,912 |
| Average total loans | $113,750,670 | 3,367 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3894% | 1,596 |
| Cost of funding earning assets | 0.3672% | 7,291 |
| Net interest margin | 5.0222% | 365 |
| Noninterest income to average assets | 0.6282% | 2,975 |
| Noninterest expense to average assets | 2.3295% | 6,110 |
| Loan and lease loss provision to assets | 0.3201% | 2,630 |
| Net operating income to assets | 1.7980% | 492 |
| Return on assets (ROA) | 1.7980% | 515 |
| Pretax return on assets | 2.5772% | 228 |
| Return on Equity (ROE) | 16.8312% | 592 |
| Retained earnings to average equity (ytd only) | 7.4072% | 1,984 |
| Net charge-offs to loans | 0.2153% | 3,226 |
| Credit loss provision to net charge-offs | 260.6557% | 1,205 |
| Earnings coverage of net charge-offs (x) | 23.5902% | 1,012 |
| Efficiency ratio | 44.5686% | 7,265 |
| Assets per employee ($millions) | 5.2718% | 1,799 |
| Cash dividends to net income (ytd only)* | 55.9910% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0158% | 2,369 |
| Loan loss allowance to noncurrent loans | 743.8312% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.8431% | 5,217 |
| Noncurrent loans to loans | 0.2710% | 6,446 |
| Net loans and leases to total assets | 55.5888% | 5,062 |
| Net loans and leases to deposits | 68.4114% | 4,620 |
| Net loans and leases to core deposits | 72.6182% | 4,708 |
| Total domestic deposits to total assets | 81.2567% | 5,588 |
| Equity capital to assets | 10.7084% | 2,982 |
| Core capital (leverage) ratio | 6.9559% | 7,028 |
| Tier 1 risk-based capital ratio | 12.0640% | 5,628 |
| Total risk-based capital ratio | 13.3267% | 5,614 |
| Memoranda: | ||
| Average total assets | $198,668,000 | 3,132 |
| Average earning assets | $181,912,000 | 3,119 |
| Average equity | $21,222,500 | 2,957 |
| Average total loans | $113,355,500 | 3,405 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8514% | 1,147 |
| Cost of funding earning assets | 0.5933% | 7,143 |
| Net interest margin | 5.2582% | 257 |
| Noninterest income to average assets | 0.8862% | 1,904 |
| Noninterest expense to average assets | 2.3757% | 6,153 |
| Loan and lease loss provision to assets | 0.2642% | 4,682 |
| Net operating income to assets | 2.1049% | 232 |
| Return on assets (ROA) | 2.1049% | 243 |
| Pretax return on assets | 3.0566% | 113 |
| Return on Equity (ROE) | 17.6654% | 407 |
| Retained earnings to average equity (ytd only) | -4.9707% | 6,295 |
| Net charge-offs to loans | 0.1885% | 5,171 |
| Credit loss provision to net charge-offs | 240.0000% | 1,202 |
| Earnings coverage of net charge-offs (x) | 30.1650% | 732 |
| Efficiency ratio | 41.7045% | 7,470 |
| Assets per employee ($millions) | 4.9252% | 2,251 |
| Cash dividends to net income (ytd only)* | 128.1381% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9397% | 2,446 |
| Loan loss allowance to noncurrent loans | 261.0714% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 1.0624% | 4,881 |
| Noncurrent loans to loans | 0.7430% | 5,558 |
| Net loans and leases to total assets | 56.2754% | 5,300 |
| Net loans and leases to deposits | 71.1977% | 4,649 |
| Net loans and leases to core deposits | 76.4848% | 4,640 |
| Total domestic deposits to total assets | 79.0410% | 6,068 |
| Equity capital to assets | 10.6559% | 3,015 |
| Core capital (leverage) ratio | 6.9425% | 7,049 |
| Tier 1 risk-based capital ratio | 11.3589% | 6,028 |
| Total risk-based capital ratio | 12.6192% | 6,013 |
| Memoranda: | ||
| Average total assets | $181,671,800 | 3,350 |
| Average earning assets | $166,198,600 | 3,347 |
| Average equity | $21,646,800 | 2,922 |
| Average total loans | $106,081,600 | 3,621 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8521% | 1,250 |
| Cost of funding earning assets | 0.6316% | 7,218 |
| Net interest margin | 5.2204% | 279 |
| Noninterest income to average assets | 0.9109% | 1,758 |
| Noninterest expense to average assets | 2.3699% | 6,113 |
| Loan and lease loss provision to assets | 0.1724% | 5,318 |
| Net operating income to assets | 2.1585% | 260 |
| Return on assets (ROA) | 2.1585% | 277 |
| Pretax return on assets | 3.1399% | 107 |
| Return on Equity (ROE) | 17.5998% | 519 |
| Retained earnings to average equity (ytd only) | -8.3812% | 6,795 |
| Net charge-offs to loans | 0.0690% | 5,823 |
| Credit loss provision to net charge-offs | 425.9259% | 711 |
| Earnings coverage of net charge-offs (x) | 81.8128% | 376 |
| Efficiency ratio | 41.7073% | 7,536 |
| Assets per employee ($millions) | 5.1518% | 1,996 |
| Cash dividends to net income (ytd only)* | 147.6209% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9307% | 2,401 |
| Loan loss allowance to noncurrent loans | 428.0738% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.5036% | 6,172 |
| Noncurrent loans to loans | 0.4510% | 6,286 |
| Net loans and leases to total assets | 55.6669% | 5,601 |
| Net loans and leases to deposits | 70.8889% | 5,017 |
| Net loans and leases to core deposits | 76.0215% | 5,053 |
| Total domestic deposits to total assets | 78.5270% | 6,141 |
| Equity capital to assets | 11.3044% | 2,699 |
| Core capital (leverage) ratio | 7.2291% | 7,041 |
| Tier 1 risk-based capital ratio | 11.4330% | 5,989 |
| Total risk-based capital ratio | 12.6952% | 5,963 |
| Memoranda: | ||
| Average total assets | $177,837,750 | 3,454 |
| Average earning assets | $162,536,750 | 3,453 |
| Average equity | $21,810,250 | 2,942 |
| Average total loans | $104,337,000 | 3,729 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9566% | 1,042 |
| Cost of funding earning assets | 0.6599% | 7,277 |
| Net interest margin | 5.2967% | 248 |
| Noninterest income to average assets | 0.9310% | 1,578 |
| Noninterest expense to average assets | 2.3736% | 6,135 |
| Loan and lease loss provision to assets | 0.1498% | 5,401 |
| Net operating income to assets | 2.2249% | 221 |
| Return on assets (ROA) | 2.2249% | 243 |
| Pretax return on assets | 3.2354% | 101 |
| Return on Equity (ROE) | 17.6366% | 503 |
| Retained earnings to average equity (ytd only) | -9.7636% | 6,903 |
| Net charge-offs to loans | 0.1223% | 4,962 |
| Credit loss provision to net charge-offs | 206.3492% | 1,885 |
| Earnings coverage of net charge-offs (x) | 46.6349% | 637 |
| Efficiency ratio | 41.2165% | 7,616 |
| Assets per employee ($millions) | 4.8355% | 2,397 |
| Cash dividends to net income (ytd only)* | 155.3599% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8540% | 2,551 |
| Loan loss allowance to noncurrent loans | 399.7980% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.5405% | 6,121 |
| Noncurrent loans to loans | 0.4637% | 6,329 |
| Net loans and leases to total assets | 58.5556% | 5,323 |
| Net loans and leases to deposits | 73.2050% | 4,807 |
| Net loans and leases to core deposits | 78.2859% | 4,896 |
| Total domestic deposits to total assets | 79.9885% | 5,730 |
| Equity capital to assets | 11.9578% | 2,124 |
| Core capital (leverage) ratio | 7.5498% | 6,783 |
| Tier 1 risk-based capital ratio | 12.3547% | 4,986 |
| Total risk-based capital ratio | 13.6173% | 4,959 |
| Memoranda: | ||
| Average total assets | $173,578,330 | 3,541 |
| Average earning assets | $158,211,670 | 3,550 |
| Average equity | $21,897,670 | 2,931 |
| Average total loans | $103,049,670 | 3,804 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9303% | 1,129 |
| Cost of funding earning assets | 0.6766% | 7,383 |
| Net interest margin | 5.2536% | 260 |
| Noninterest income to average assets | 0.8964% | 1,642 |
| Noninterest expense to average assets | 2.4223% | 6,008 |
| Loan and lease loss provision to assets | 0.2340% | 4,169 |
| Net operating income to assets | 2.0876% | 298 |
| Return on assets (ROA) | 2.0876% | 327 |
| Pretax return on assets | 3.0191% | 139 |
| Return on Equity (ROE) | 16.1087% | 703 |
| Retained earnings to average equity (ytd only) | -10.9799% | 7,014 |
| Net charge-offs to loans | 0.0870% | 4,552 |
| Credit loss provision to net charge-offs | 454.5455% | 924 |
| Earnings coverage of net charge-offs (x) | 63.1818% | 485 |
| Efficiency ratio | 42.6804% | 7,658 |
| Assets per employee ($millions) | 4.5938% | 2,811 |
| Cash dividends to net income (ytd only)* | 168.1614% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9634% | 2,277 |
| Loan loss allowance to noncurrent loans | 284.6924% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 6,441 |
| Noncurrent loans to loans | 0.6896% | 5,955 |
| Net loans and leases to total assets | 56.9230% | 5,622 |
| Net loans and leases to deposits | 71.5020% | 5,125 |
| Net loans and leases to core deposits | 75.9913% | 5,258 |
| Total domestic deposits to total assets | 79.6103% | 5,910 |
| Equity capital to assets | 12.5243% | 1,744 |
| Core capital (leverage) ratio | 8.1223% | 6,034 |
| Tier 1 risk-based capital ratio | 13.2109% | 4,203 |
| Total risk-based capital ratio | 14.4717% | 4,145 |
| Memoranda: | ||
| Average total assets | $170,911,500 | 3,644 |
| Average earning assets | $155,474,000 | 3,658 |
| Average equity | $22,149,500 | 2,925 |
| Average total loans | $101,203,500 | 3,919 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1323% | 1,429 |
| Cost of funding earning assets | 0.8212% | 7,527 |
| Net interest margin | 5.3111% | 238 |
| Noninterest income to average assets | 0.9244% | 1,849 |
| Noninterest expense to average assets | 2.3562% | 6,586 |
| Loan and lease loss provision to assets | 0.4798% | 3,963 |
| Net operating income to assets | 2.0385% | 211 |
| Return on assets (ROA) | 2.0828% | 204 |
| Pretax return on assets | 3.0048% | 96 |
| Return on Equity (ROE) | 16.3833% | 519 |
| Retained earnings to average equity (ytd only) | 6.1379% | 1,304 |
| Net charge-offs to loans | 0.2043% | 5,355 |
| Credit loss provision to net charge-offs | 401.9704% | 784 |
| Earnings coverage of net charge-offs (x) | 28.6552% | 798 |
| Efficiency ratio | 40.7879% | 7,845 |
| Assets per employee ($millions) | 4.4016% | 3,106 |
| Cash dividends to net income (ytd only)* | 62.5353% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 2,275 |
| Loan loss allowance to noncurrent loans | 278.4571% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 6,406 |
| Noncurrent loans to loans | 0.6799% | 5,879 |
| Net loans and leases to total assets | 59.2715% | 5,453 |
| Net loans and leases to deposits | 74.5408% | 4,946 |
| Net loans and leases to core deposits | 94.4135% | 4,634 |
| Total domestic deposits to total assets | 79.5156% | 5,843 |
| Equity capital to assets | 13.4139% | 1,358 |
| Core capital (leverage) ratio | 8.7326% | 4,865 |
| Tier 1 risk-based capital ratio | 14.0041% | 3,496 |
| Total risk-based capital ratio | 15.2644% | 3,442 |
| Memoranda: | ||
| Average total assets | $170,062,600 | 3,612 |
| Average earning assets | $155,373,800 | 3,608 |
| Average equity | $21,619,600 | 2,998 |
| Average total loans | $99,375,200 | 3,968 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1178% | 1,585 |
| Cost of funding earning assets | 0.8512% | 7,624 |
| Net interest margin | 5.2666% | 274 |
| Noninterest income to average assets | 0.8987% | 1,984 |
| Noninterest expense to average assets | 2.3033% | 6,696 |
| Loan and lease loss provision to assets | 0.4536% | 3,645 |
| Net operating income to assets | 2.0506% | 259 |
| Return on assets (ROA) | 2.0808% | 269 |
| Pretax return on assets | 3.0021% | 106 |
| Return on Equity (ROE) | 16.5919% | 589 |
| Retained earnings to average equity (ytd only) | 9.3388% | 756 |
| Net charge-offs to loans | 0.2008% | 4,800 |
| Credit loss provision to net charge-offs | 389.9329% | 1,033 |
| Earnings coverage of net charge-offs (x) | 29.3291% | 944 |
| Efficiency ratio | 40.3005% | 7,921 |
| Assets per employee ($millions) | 4.5066% | 2,851 |
| Cash dividends to net income (ytd only)* | 43.7148% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7426% | 2,467 |
| Loan loss allowance to noncurrent loans | 291.4141% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 6,517 |
| Noncurrent loans to loans | 0.5980% | 6,111 |
| Net loans and leases to total assets | 58.5357% | 5,805 |
| Net loans and leases to deposits | 77.6846% | 4,784 |
| Net loans and leases to core deposits | 97.0239% | 4,700 |
| Total domestic deposits to total assets | 75.3505% | 6,708 |
| Equity capital to assets | 13.7029% | 1,414 |
| Core capital (leverage) ratio | 8.8157% | 4,951 |
| Tier 1 risk-based capital ratio | 14.4067% | 3,327 |
| Total risk-based capital ratio | 15.6662% | 3,268 |
| Memoranda: | ||
| Average total assets | $170,763,500 | 3,617 |
| Average earning assets | $156,174,000 | 3,617 |
| Average equity | $21,415,500 | 3,037 |
| Average total loans | $98,956,500 | 4,017 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0839% | 1,840 |
| Cost of funding earning assets | 0.9002% | 7,696 |
| Net interest margin | 5.1837% | 305 |
| Noninterest income to average assets | 0.8425% | 2,205 |
| Noninterest expense to average assets | 2.2765% | 6,831 |
| Loan and lease loss provision to assets | 0.3951% | 3,547 |
| Net operating income to assets | 2.0132% | 289 |
| Return on assets (ROA) | 2.0581% | 282 |
| Pretax return on assets | 2.9738% | 103 |
| Return on Equity (ROE) | 16.9169% | 589 |
| Retained earnings to average equity (ytd only) | 11.4244% | 505 |
| Net charge-offs to loans | 0.1295% | 4,874 |
| Credit loss provision to net charge-offs | 531.2500% | 870 |
| Earnings coverage of net charge-offs (x) | 44.4219% | 753 |
| Efficiency ratio | 40.7955% | 8,005 |
| Assets per employee ($millions) | 4.4085% | 2,918 |
| Cash dividends to net income (ytd only)* | 32.4675% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 2,769 |
| Loan loss allowance to noncurrent loans | 309.4303% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 6,710 |
| Noncurrent loans to loans | 0.5153% | 6,243 |
| Net loans and leases to total assets | 58.0177% | 5,960 |
| Net loans and leases to deposits | 75.1030% | 5,303 |
| Net loans and leases to core deposits | 92.8779% | 5,255 |
| Total domestic deposits to total assets | 77.2509% | 6,268 |
| Equity capital to assets | 12.9230% | 1,723 |
| Core capital (leverage) ratio | 8.5698% | 5,316 |
| Tier 1 risk-based capital ratio | 13.9030% | 3,577 |
| Total risk-based capital ratio | 15.1591% | 3,508 |
| Memoranda: | ||
| Average total assets | $172,102,670 | 3,601 |
| Average earning assets | $157,301,670 | 3,610 |
| Average equity | $20,937,670 | 3,110 |
| Average total loans | $98,829,670 | 4,044 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0199% | 2,280 |
| Cost of funding earning assets | 0.9795% | 7,701 |
| Net interest margin | 5.0404% | 367 |
| Noninterest income to average assets | 0.7707% | 2,484 |
| Noninterest expense to average assets | 2.2088% | 6,847 |
| Loan and lease loss provision to assets | 0.4473% | 2,685 |
| Net operating income to assets | 1.8969% | 435 |
| Return on assets (ROA) | 1.8969% | 485 |
| Pretax return on assets | 2.7295% | 167 |
| Return on Equity (ROE) | 16.0723% | 811 |
| Retained earnings to average equity (ytd only) | 4.8975% | 3,193 |
| Net charge-offs to loans | 0.1092% | 4,099 |
| Credit loss provision to net charge-offs | 722.2222% | 830 |
| Earnings coverage of net charge-offs (x) | 51.2963% | 710 |
| Efficiency ratio | 41.0136% | 8,022 |
| Assets per employee ($millions) | 4.6111% | 2,552 |
| Cash dividends to net income (ytd only)* | 69.5284% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 3,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 7,580 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 55.1872% | 6,338 |
| Net loans and leases to deposits | 68.7862% | 6,100 |
| Net loans and leases to core deposits | 84.2384% | 6,049 |
| Total domestic deposits to total assets | 80.2300% | 5,270 |
| Equity capital to assets | 11.9210% | 2,311 |
| Core capital (leverage) ratio | 7.6575% | 6,942 |
| Tier 1 risk-based capital ratio | 12.9372% | 4,220 |
| Total risk-based capital ratio | 14.1925% | 4,143 |
| Memoranda: | ||
| Average total assets | $174,392,500 | 3,585 |
| Average earning assets | $159,669,500 | 3,577 |
| Average equity | $20,582,000 | 3,172 |
| Average total loans | $98,860,500 | 4,071 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3644% | 3,611 |
| Cost of funding earning assets | 1.3873% | 7,753 |
| Net interest margin | 4.9772% | 540 |
| Noninterest income to average assets | 0.9163% | 1,903 |
| Noninterest expense to average assets | 2.4244% | 6,316 |
| Loan and lease loss provision to assets | 0.2069% | 4,823 |
| Net operating income to assets | 1.9190% | 416 |
| Return on assets (ROA) | 1.9261% | 398 |
| Pretax return on assets | 2.7751% | 122 |
| Return on Equity (ROE) | 16.5311% | 695 |
| Retained earnings to average equity (ytd only) | 6.0252% | 1,521 |
| Net charge-offs to loans | 0.0536% | 6,025 |
| Credit loss provision to net charge-offs | 676.0000% | 630 |
| Earnings coverage of net charge-offs (x) | 97.1000% | 445 |
| Efficiency ratio | 43.7840% | 8,020 |
| Assets per employee ($millions) | 4.3391% | 2,898 |
| Cash dividends to net income (ytd only)* | 63.5526% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 3,747 |
| Loan loss allowance to noncurrent loans | 8,660.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 7,603 |
| Noncurrent loans to loans | 0.0151% | 7,476 |
| Net loans and leases to total assets | 56.6105% | 6,371 |
| Net loans and leases to deposits | 71.0327% | 6,166 |
| Net loans and leases to core deposits | 86.8024% | 6,075 |
| Total domestic deposits to total assets | 79.6964% | 5,132 |
| Equity capital to assets | 11.6821% | 2,512 |
| Core capital (leverage) ratio | 7.3420% | 7,372 |
| Tier 1 risk-based capital ratio | 12.3920% | 4,513 |
| Total risk-based capital ratio | 13.6361% | 4,413 |
| Memoranda: | ||
| Average total assets | $163,383,200 | 3,660 |
| Average earning assets | $147,051,800 | 3,707 |
| Average equity | $19,036,800 | 3,387 |
| Average total loans | $93,346,600 | 4,123 |