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 | 4.6556% | 2,989 |
| Cost of funding earning assets | 0.1466% | 7,042 |
| Net interest margin | 4.5090% | 974 |
| Noninterest income to average assets | 1.1427% | 1,164 |
| Noninterest expense to average assets | 2.5927% | 4,769 |
| Loan and lease loss provision to assets | 0.0663% | 4,862 |
| Net operating income to assets | 1.7878% | 578 |
| Return on assets (ROA) | 1.8055% | 631 |
| Pretax return on assets | 2.5168% | 279 |
| Return on Equity (ROE) | 14.5942% | 980 |
| Retained earnings to average equity (ytd only) | -0.3772% | 6,160 |
| Net charge-offs to loans | 0.1705% | 3,737 |
| Credit loss provision to net charge-offs | 66.6667% | 3,990 |
| Earnings coverage of net charge-offs (x) | 25.7456% | 1,235 |
| Efficiency ratio | 50.3319% | 6,563 |
| Assets per employee ($millions) | 5.4512% | 1,686 |
| Cash dividends to net income (ytd only)* | 102.5843% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9832% | 2,214 |
| Loan loss allowance to noncurrent loans | 228.4144% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.7960% | 4,715 |
| Noncurrent loans to loans | 0.8682% | 4,684 |
| Net loans and leases to total assets | 57.3571% | 4,231 |
| Net loans and leases to deposits | 66.8862% | 4,355 |
| Net loans and leases to core deposits | 69.7976% | 4,519 |
| Total domestic deposits to total assets | 85.7534% | 3,386 |
| Equity capital to assets | 12.3414% | 2,002 |
| Core capital (leverage) ratio | 8.3621% | 5,932 |
| Tier 1 risk-based capital ratio | 13.0196% | 5,226 |
| Total risk-based capital ratio | 14.2839% | 5,171 |
| Memoranda: | ||
| Average total assets | $374,321,500 | 1,761 |
| Average earning assets | $332,781,500 | 1,803 |
| Average equity | $46,309,500 | 1,519 |
| Average total loans | $218,221,000 | 1,866 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6975% | 2,922 |
| Cost of funding earning assets | 0.1579% | 7,100 |
| Net interest margin | 4.5395% | 926 |
| Noninterest income to average assets | 1.1372% | 1,102 |
| Noninterest expense to average assets | 2.6919% | 4,460 |
| Loan and lease loss provision to assets | 0.0995% | 4,286 |
| Net operating income to assets | 1.7097% | 662 |
| Return on assets (ROA) | 1.7163% | 729 |
| Pretax return on assets | 2.3847% | 356 |
| Return on Equity (ROE) | 13.8613% | 1,153 |
| Retained earnings to average equity (ytd only) | -0.8342% | 6,187 |
| Net charge-offs to loans | 0.3612% | 2,566 |
| Credit loss provision to net charge-offs | 47.3282% | 4,099 |
| Earnings coverage of net charge-offs (x) | 11.7684% | 1,936 |
| Efficiency ratio | 52.0974% | 6,497 |
| Assets per employee ($millions) | 5.4471% | 1,657 |
| Cash dividends to net income (ytd only)* | 106.0181% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9332% | 2,436 |
| Loan loss allowance to noncurrent loans | 184.9065% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 4,596 |
| Noncurrent loans to loans | 1.0455% | 4,427 |
| Net loans and leases to total assets | 56.5552% | 4,388 |
| Net loans and leases to deposits | 67.3544% | 4,310 |
| Net loans and leases to core deposits | 70.8887% | 4,429 |
| Total domestic deposits to total assets | 83.9665% | 4,327 |
| Equity capital to assets | 12.1195% | 2,053 |
| Core capital (leverage) ratio | 8.4650% | 5,693 |
| Tier 1 risk-based capital ratio | 12.4769% | 5,580 |
| Total risk-based capital ratio | 13.7386% | 5,552 |
| Memoranda: | ||
| Average total assets | $373,718,330 | 1,762 |
| Average earning assets | $331,751,670 | 1,814 |
| Average equity | $46,272,670 | 1,507 |
| Average total loans | $217,593,670 | 1,875 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8054% | 2,618 |
| Cost of funding earning assets | 0.1711% | 7,148 |
| Net interest margin | 4.6342% | 771 |
| Noninterest income to average assets | 1.1873% | 1,016 |
| Noninterest expense to average assets | 2.6286% | 4,711 |
| Loan and lease loss provision to assets | 0.1027% | 4,053 |
| Net operating income to assets | 1.8219% | 576 |
| Return on assets (ROA) | 1.8349% | 633 |
| Pretax return on assets | 2.5735% | 301 |
| Return on Equity (ROE) | 14.6598% | 1,048 |
| Retained earnings to average equity (ytd only) | 0.8379% | 5,723 |
| Net charge-offs to loans | 0.5248% | 1,776 |
| Credit loss provision to net charge-offs | 33.4507% | 3,564 |
| Earnings coverage of net charge-offs (x) | 8.6549% | 1,932 |
| Efficiency ratio | 49.7239% | 6,690 |
| Assets per employee ($millions) | 5.4040% | 1,781 |
| Cash dividends to net income (ytd only)* | 94.2840% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9794% | 2,425 |
| Loan loss allowance to noncurrent loans | 187.0289% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.8896% | 4,749 |
| Noncurrent loans to loans | 1.0583% | 4,585 |
| Net loans and leases to total assets | 55.8730% | 4,409 |
| Net loans and leases to deposits | 65.9411% | 4,388 |
| Net loans and leases to core deposits | 69.4123% | 4,514 |
| Total domestic deposits to total assets | 84.7317% | 4,151 |
| Equity capital to assets | 12.2290% | 1,895 |
| Core capital (leverage) ratio | 8.7997% | 5,130 |
| Tier 1 risk-based capital ratio | 12.8487% | 5,326 |
| Total risk-based capital ratio | 14.1101% | 5,297 |
| Memoranda: | ||
| Average total assets | $369,930,000 | 1,787 |
| Average earning assets | $327,218,500 | 1,842 |
| Average equity | $46,303,500 | 1,502 |
| Average total loans | $216,444,000 | 1,889 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0852% | 2,505 |
| Cost of funding earning assets | 0.2207% | 7,212 |
| Net interest margin | 4.8645% | 549 |
| Noninterest income to average assets | 1.1538% | 984 |
| Noninterest expense to average assets | 2.8232% | 4,263 |
| Loan and lease loss provision to assets | 0.0660% | 5,788 |
| Net operating income to assets | 1.8393% | 432 |
| Return on assets (ROA) | 1.8397% | 460 |
| Pretax return on assets | 2.5603% | 189 |
| Return on Equity (ROE) | 14.0686% | 912 |
| Retained earnings to average equity (ytd only) | 3.1086% | 4,019 |
| Net charge-offs to loans | -0.0391% | 7,027 |
| Credit loss provision to net charge-offs | -292.3077% | 6,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6153% | 6,729 |
| Assets per employee ($millions) | 5.0219% | 2,172 |
| Cash dividends to net income (ytd only)* | 77.9037% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0519% | 2,122 |
| Loan loss allowance to noncurrent loans | 154.6842% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 1.0966% | 4,426 |
| Noncurrent loans to loans | 1.3265% | 4,160 |
| Net loans and leases to total assets | 58.8544% | 4,217 |
| Net loans and leases to deposits | 69.1934% | 4,244 |
| Net loans and leases to core deposits | 72.2291% | 4,493 |
| Total domestic deposits to total assets | 85.0578% | 3,812 |
| Equity capital to assets | 12.8179% | 1,589 |
| Core capital (leverage) ratio | 8.9107% | 4,918 |
| Tier 1 risk-based capital ratio | 13.0436% | 5,031 |
| Total risk-based capital ratio | 14.3067% | 5,000 |
| Memoranda: | ||
| Average total assets | $345,386,000 | 1,877 |
| Average earning assets | $304,961,800 | 1,924 |
| Average equity | $45,164,400 | 1,507 |
| Average total loans | $199,563,600 | 2,052 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1365% | 2,443 |
| Cost of funding earning assets | 0.2308% | 7,295 |
| Net interest margin | 4.9057% | 507 |
| Noninterest income to average assets | 1.1906% | 928 |
| Noninterest expense to average assets | 2.8604% | 4,104 |
| Loan and lease loss provision to assets | 0.0754% | 5,504 |
| Net operating income to assets | 1.8564% | 464 |
| Return on assets (ROA) | 1.8570% | 499 |
| Pretax return on assets | 2.5812% | 211 |
| Return on Equity (ROE) | 14.1268% | 1,016 |
| Retained earnings to average equity (ytd only) | 3.5777% | 4,191 |
| Net charge-offs to loans | -0.1291% | 7,204 |
| Credit loss provision to net charge-offs | -102.1164% | 6,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6216% | 6,714 |
| Assets per employee ($millions) | 4.9297% | 2,282 |
| Cash dividends to net income (ytd only)* | 74.6740% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1835% | 1,895 |
| Loan loss allowance to noncurrent loans | 175.6683% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 1.1614% | 4,463 |
| Noncurrent loans to loans | 1.2430% | 4,462 |
| Net loans and leases to total assets | 58.0316% | 4,510 |
| Net loans and leases to deposits | 68.2741% | 4,558 |
| Net loans and leases to core deposits | 72.2019% | 4,686 |
| Total domestic deposits to total assets | 84.9980% | 3,764 |
| Equity capital to assets | 13.2018% | 1,517 |
| Core capital (leverage) ratio | 9.1082% | 4,776 |
| Tier 1 risk-based capital ratio | 13.8457% | 4,460 |
| Total risk-based capital ratio | 15.1118% | 4,404 |
| Memoranda: | ||
| Average total assets | $341,337,750 | 1,908 |
| Average earning assets | $300,973,250 | 1,953 |
| Average equity | $44,868,750 | 1,514 |
| Average total loans | $195,138,750 | 2,106 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1505% | 2,461 |
| Cost of funding earning assets | 0.2405% | 7,369 |
| Net interest margin | 4.9100% | 479 |
| Noninterest income to average assets | 1.2215% | 849 |
| Noninterest expense to average assets | 2.9068% | 3,995 |
| Loan and lease loss provision to assets | 0.0945% | 5,149 |
| Net operating income to assets | 1.8331% | 464 |
| Return on assets (ROA) | 1.8331% | 497 |
| Pretax return on assets | 2.5392% | 230 |
| Return on Equity (ROE) | 13.9658% | 988 |
| Retained earnings to average equity (ytd only) | 3.6108% | 3,938 |
| Net charge-offs to loans | -0.1299% | 7,217 |
| Credit loss provision to net charge-offs | -129.0323% | 6,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1971% | 6,774 |
| Assets per employee ($millions) | 4.4531% | 2,924 |
| Cash dividends to net income (ytd only)* | 74.1457% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2246% | 1,873 |
| Loan loss allowance to noncurrent loans | 220.6365% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 4,856 |
| Noncurrent loans to loans | 1.0083% | 4,980 |
| Net loans and leases to total assets | 56.8732% | 4,837 |
| Net loans and leases to deposits | 67.9381% | 4,718 |
| Net loans and leases to core deposits | 72.1290% | 4,802 |
| Total domestic deposits to total assets | 83.7132% | 4,471 |
| Equity capital to assets | 13.1928% | 1,431 |
| Core capital (leverage) ratio | 9.1211% | 4,531 |
| Tier 1 risk-based capital ratio | 13.6333% | 4,429 |
| Total risk-based capital ratio | 14.8973% | 4,397 |
| Memoranda: | ||
| Average total assets | $338,448,330 | 1,923 |
| Average earning assets | $297,720,670 | 1,987 |
| Average equity | $44,422,670 | 1,514 |
| Average total loans | $190,969,000 | 2,167 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1681% | 2,362 |
| Cost of funding earning assets | 0.2659% | 7,421 |
| Net interest margin | 4.9022% | 461 |
| Noninterest income to average assets | 1.2230% | 848 |
| Noninterest expense to average assets | 2.9766% | 3,742 |
| Loan and lease loss provision to assets | 0.1261% | 4,423 |
| Net operating income to assets | 1.7595% | 526 |
| Return on assets (ROA) | 1.7595% | 555 |
| Pretax return on assets | 2.4198% | 278 |
| Return on Equity (ROE) | 13.4407% | 1,103 |
| Retained earnings to average equity (ytd only) | 2.9899% | 4,375 |
| Net charge-offs to loans | 0.0471% | 4,468 |
| Credit loss provision to net charge-offs | 481.8182% | 742 |
| Earnings coverage of net charge-offs (x) | 97.2727% | 327 |
| Efficiency ratio | 53.6407% | 6,725 |
| Assets per employee ($millions) | 4.1551% | 3,533 |
| Cash dividends to net income (ytd only)* | 77.7552% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2493% | 1,859 |
| Loan loss allowance to noncurrent loans | 287.0596% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 5,073 |
| Noncurrent loans to loans | 0.7836% | 5,470 |
| Net loans and leases to total assets | 54.7110% | 5,209 |
| Net loans and leases to deposits | 65.1927% | 5,096 |
| Net loans and leases to core deposits | 68.5405% | 5,226 |
| Total domestic deposits to total assets | 83.9221% | 4,518 |
| Equity capital to assets | 13.1581% | 1,313 |
| Core capital (leverage) ratio | 8.9794% | 4,646 |
| Tier 1 risk-based capital ratio | 14.0065% | 4,065 |
| Total risk-based capital ratio | 15.2684% | 4,041 |
| Memoranda: | ||
| Average total assets | $336,227,000 | 1,950 |
| Average earning assets | $294,887,000 | 2,027 |
| Average equity | $44,015,500 | 1,515 |
| Average total loans | $186,728,500 | 2,227 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2434% | 3,398 |
| Cost of funding earning assets | 0.4960% | 7,304 |
| Net interest margin | 4.7475% | 736 |
| Noninterest income to average assets | 1.3016% | 868 |
| Noninterest expense to average assets | 2.9641% | 3,980 |
| Loan and lease loss provision to assets | 0.3278% | 4,188 |
| Net operating income to assets | 1.5844% | 634 |
| Return on assets (ROA) | 1.5878% | 689 |
| Pretax return on assets | 2.1874% | 331 |
| Return on Equity (ROE) | 12.1124% | 1,298 |
| Retained earnings to average equity (ytd only) | 0.1956% | 5,473 |
| Net charge-offs to loans | 0.3458% | 4,284 |
| Credit loss provision to net charge-offs | 177.6358% | 1,870 |
| Earnings coverage of net charge-offs (x) | 13.6054% | 1,396 |
| Efficiency ratio | 53.7231% | 6,832 |
| Assets per employee ($millions) | 3.9517% | 3,882 |
| Cash dividends to net income (ytd only)* | 98.3850% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2438% | 1,787 |
| Loan loss allowance to noncurrent loans | 279.2872% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.9688% | 5,068 |
| Noncurrent loans to loans | 0.8034% | 5,438 |
| Net loans and leases to total assets | 53.8657% | 5,647 |
| Net loans and leases to deposits | 63.9450% | 5,634 |
| Net loans and leases to core deposits | 66.6670% | 5,816 |
| Total domestic deposits to total assets | 84.2375% | 4,257 |
| Equity capital to assets | 13.0238% | 1,381 |
| Core capital (leverage) ratio | 8.8976% | 4,706 |
| Tier 1 risk-based capital ratio | 14.1040% | 3,808 |
| Total risk-based capital ratio | 15.3659% | 3,756 |
| Memoranda: | ||
| Average total assets | $339,263,800 | 1,926 |
| Average earning assets | $298,201,200 | 1,993 |
| Average equity | $44,475,000 | 1,502 |
| Average total loans | $181,023,800 | 2,342 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2271% | 3,696 |
| Cost of funding earning assets | 0.5389% | 7,389 |
| Net interest margin | 4.6882% | 867 |
| Noninterest income to average assets | 1.3152% | 793 |
| Noninterest expense to average assets | 2.9186% | 4,015 |
| Loan and lease loss provision to assets | 0.4116% | 3,436 |
| Net operating income to assets | 1.5376% | 851 |
| Return on assets (ROA) | 1.5422% | 926 |
| Pretax return on assets | 2.1177% | 483 |
| Return on Equity (ROE) | 11.7455% | 1,573 |
| Retained earnings to average equity (ytd only) | 0.1015% | 5,737 |
| Net charge-offs to loans | 0.4215% | 3,604 |
| Credit loss provision to net charge-offs | 184.5343% | 1,965 |
| Earnings coverage of net charge-offs (x) | 11.3110% | 1,806 |
| Efficiency ratio | 53.1878% | 6,873 |
| Assets per employee ($millions) | 4.0995% | 3,639 |
| Cash dividends to net income (ytd only)* | 99.1358% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2922% | 1,640 |
| Loan loss allowance to noncurrent loans | 229.2980% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 1.1994% | 4,744 |
| Noncurrent loans to loans | 0.9997% | 5,234 |
| Net loans and leases to total assets | 52.5983% | 6,029 |
| Net loans and leases to deposits | 63.4802% | 5,974 |
| Net loans and leases to core deposits | 67.0192% | 6,032 |
| Total domestic deposits to total assets | 82.8578% | 4,648 |
| Equity capital to assets | 13.4448% | 1,372 |
| Core capital (leverage) ratio | 8.9349% | 4,787 |
| Tier 1 risk-based capital ratio | 14.1885% | 3,695 |
| Total risk-based capital ratio | 15.4537% | 3,659 |
| Memoranda: | ||
| Average total assets | $340,106,500 | 1,949 |
| Average earning assets | $299,357,000 | 2,013 |
| Average equity | $44,657,250 | 1,504 |
| Average total loans | $180,008,750 | 2,393 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1897% | 4,007 |
| Cost of funding earning assets | 0.5675% | 7,452 |
| Net interest margin | 4.6221% | 949 |
| Noninterest income to average assets | 1.2635% | 807 |
| Noninterest expense to average assets | 2.7872% | 4,549 |
| Loan and lease loss provision to assets | 0.4686% | 2,975 |
| Net operating income to assets | 1.5180% | 878 |
| Return on assets (ROA) | 1.5248% | 924 |
| Pretax return on assets | 2.0913% | 498 |
| Return on Equity (ROE) | 11.7047% | 1,526 |
| Retained earnings to average equity (ytd only) | 0.9128% | 5,398 |
| Net charge-offs to loans | 0.4686% | 3,133 |
| Credit loss provision to net charge-offs | 190.0238% | 2,076 |
| Earnings coverage of net charge-offs (x) | 10.3420% | 1,904 |
| Efficiency ratio | 51.7450% | 7,097 |
| Assets per employee ($millions) | 4.0144% | 3,746 |
| Cash dividends to net income (ytd only)* | 92.2013% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2543% | 1,660 |
| Loan loss allowance to noncurrent loans | 185.4262% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 1.1957% | 4,748 |
| Noncurrent loans to loans | 1.2157% | 4,935 |
| Net loans and leases to total assets | 52.6523% | 6,144 |
| Net loans and leases to deposits | 62.1151% | 6,224 |
| Net loans and leases to core deposits | 67.3492% | 6,115 |
| Total domestic deposits to total assets | 84.7658% | 3,744 |
| Equity capital to assets | 13.3654% | 1,407 |
| Core capital (leverage) ratio | 8.8181% | 4,886 |
| Tier 1 risk-based capital ratio | 14.2570% | 3,569 |
| Total risk-based capital ratio | 15.5215% | 3,535 |
| Memoranda: | ||
| Average total assets | $341,422,330 | 1,957 |
| Average earning assets | $300,944,670 | 2,021 |
| Average equity | $44,477,670 | 1,498 |
| Average total loans | $179,691,000 | 2,429 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0955% | 4,548 |
| Cost of funding earning assets | 0.5758% | 7,568 |
| Net interest margin | 4.5197% | 1,098 |
| Noninterest income to average assets | 1.0592% | 1,133 |
| Noninterest expense to average assets | 2.7239% | 4,795 |
| Loan and lease loss provision to assets | 0.5209% | 2,416 |
| Net operating income to assets | 1.3359% | 1,211 |
| Return on assets (ROA) | 1.3359% | 1,283 |
| Pretax return on assets | 1.8036% | 871 |
| Return on Equity (ROE) | 10.3847% | 1,990 |
| Retained earnings to average equity (ytd only) | 0.4859% | 5,639 |
| Net charge-offs to loans | 0.2492% | 3,450 |
| Credit loss provision to net charge-offs | 401.7857% | 1,015 |
| Earnings coverage of net charge-offs (x) | 17.9286% | 1,253 |
| Efficiency ratio | 53.4740% | 7,022 |
| Assets per employee ($millions) | 4.1576% | 3,544 |
| Cash dividends to net income (ytd only)* | 95.3206% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2517% | 1,657 |
| Loan loss allowance to noncurrent loans | 144.8987% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 1.1803% | 4,816 |
| Noncurrent loans to loans | 1.5540% | 4,414 |
| Net loans and leases to total assets | 50.9963% | 6,377 |
| Net loans and leases to deposits | 59.8898% | 6,479 |
| Net loans and leases to core deposits | 67.5410% | 6,145 |
| Total domestic deposits to total assets | 85.1502% | 3,585 |
| Equity capital to assets | 13.0576% | 1,503 |
| Core capital (leverage) ratio | 8.6637% | 5,087 |
| Tier 1 risk-based capital ratio | 13.8883% | 3,733 |
| Total risk-based capital ratio | 15.1497% | 3,685 |
| Memoranda: | ||
| Average total assets | $345,535,000 | 1,982 |
| Average earning assets | $304,977,000 | 2,049 |
| Average equity | $44,450,000 | 1,509 |
| Average total loans | $179,795,500 | 2,489 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5485% | 3,884 |
| Cost of funding earning assets | 0.6749% | 7,715 |
| Net interest margin | 4.8736% | 595 |
| Noninterest income to average assets | 1.0961% | 1,278 |
| Noninterest expense to average assets | 2.7535% | 5,157 |
| Loan and lease loss provision to assets | 0.9078% | 2,479 |
| Net operating income to assets | 1.2793% | 1,075 |
| Return on assets (ROA) | 1.2934% | 1,097 |
| Pretax return on assets | 1.7329% | 726 |
| Return on Equity (ROE) | 9.6966% | 1,782 |
| Retained earnings to average equity (ytd only) | 1.7998% | 3,831 |
| Net charge-offs to loans | 0.9873% | 2,434 |
| Credit loss provision to net charge-offs | 166.7595% | 2,596 |
| Earnings coverage of net charge-offs (x) | 4.8163% | 2,808 |
| Efficiency ratio | 50.5752% | 7,505 |
| Assets per employee ($millions) | 4.2186% | 3,399 |
| Cash dividends to net income (ytd only)* | 81.4390% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0179% | 1,979 |
| Loan loss allowance to noncurrent loans | 142.8516% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 1.0950% | 4,903 |
| Noncurrent loans to loans | 1.4126% | 4,560 |
| Net loans and leases to total assets | 50.8532% | 6,545 |
| Net loans and leases to deposits | 59.6802% | 6,655 |
| Net loans and leases to core deposits | 75.7401% | 6,417 |
| Total domestic deposits to total assets | 85.2095% | 3,455 |
| Equity capital to assets | 12.6757% | 1,658 |
| Core capital (leverage) ratio | 8.7439% | 4,850 |
| Tier 1 risk-based capital ratio | 13.5458% | 3,794 |
| Total risk-based capital ratio | 14.8037% | 3,730 |
| Memoranda: | ||
| Average total assets | $329,908,800 | 2,052 |
| Average earning assets | $289,680,600 | 2,129 |
| Average equity | $44,005,000 | 1,519 |
| Average total loans | $181,909,600 | 2,488 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6920% | 3,382 |
| Cost of funding earning assets | 0.7007% | 7,810 |
| Net interest margin | 4.9912% | 452 |
| Noninterest income to average assets | 1.1279% | 1,235 |
| Noninterest expense to average assets | 2.8911% | 4,492 |
| Loan and lease loss provision to assets | 0.5726% | 3,093 |
| Net operating income to assets | 1.4890% | 835 |
| Return on assets (ROA) | 1.5075% | 855 |
| Pretax return on assets | 2.0661% | 480 |
| Return on Equity (ROE) | 11.1527% | 1,578 |
| Retained earnings to average equity (ytd only) | 5.9908% | 1,953 |
| Net charge-offs to loans | 0.6331% | 2,784 |
| Credit loss provision to net charge-offs | 161.4583% | 2,930 |
| Earnings coverage of net charge-offs (x) | 7.3692% | 2,419 |
| Efficiency ratio | 51.8604% | 7,425 |
| Assets per employee ($millions) | 3.9514% | 3,827 |
| Cash dividends to net income (ytd only)* | 46.2837% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 2,596 |
| Loan loss allowance to noncurrent loans | 95.8466% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 1.3710% | 4,346 |
| Noncurrent loans to loans | 1.7821% | 3,935 |
| Net loans and leases to total assets | 53.9361% | 6,391 |
| Net loans and leases to deposits | 65.4364% | 6,360 |
| Net loans and leases to core deposits | 78.0687% | 6,481 |
| Total domestic deposits to total assets | 82.4252% | 4,486 |
| Equity capital to assets | 14.3839% | 1,176 |
| Core capital (leverage) ratio | 9.6398% | 3,727 |
| Tier 1 risk-based capital ratio | 14.5556% | 3,248 |
| Total risk-based capital ratio | 15.8120% | 3,189 |
| Memoranda: | ||
| Average total assets | $324,850,250 | 2,098 |
| Average earning assets | $284,839,250 | 2,171 |
| Average equity | $43,910,500 | 1,547 |
| Average total loans | $181,955,500 | 2,513 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7108% | 3,477 |
| Cost of funding earning assets | 0.7388% | 7,885 |
| Net interest margin | 4.9720% | 462 |
| Noninterest income to average assets | 1.1843% | 1,115 |
| Noninterest expense to average assets | 2.9812% | 4,155 |
| Loan and lease loss provision to assets | 0.2420% | 4,648 |
| Net operating income to assets | 1.6658% | 601 |
| Return on assets (ROA) | 1.6720% | 653 |
| Pretax return on assets | 2.3318% | 283 |
| Return on Equity (ROE) | 12.6339% | 1,252 |
| Retained earnings to average equity (ytd only) | 8.8145% | 983 |
| Net charge-offs to loans | 0.3184% | 3,594 |
| Credit loss provision to net charge-offs | 134.8123% | 3,457 |
| Earnings coverage of net charge-offs (x) | 14.2901% | 1,667 |
| Efficiency ratio | 53.0763% | 7,423 |
| Assets per employee ($millions) | 3.7778% | 4,154 |
| Cash dividends to net income (ytd only)* | 30.2309% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 3,472 |
| Loan loss allowance to noncurrent loans | 95.1165% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 1.0878% | 4,777 |
| Noncurrent loans to loans | 1.5230% | 4,212 |
| Net loans and leases to total assets | 54.4679% | 6,388 |
| Net loans and leases to deposits | 68.1829% | 6,169 |
| Net loans and leases to core deposits | 83.1311% | 6,151 |
| Total domestic deposits to total assets | 79.8851% | 5,514 |
| Equity capital to assets | 13.8283% | 1,374 |
| Core capital (leverage) ratio | 9.3748% | 4,066 |
| Tier 1 risk-based capital ratio | 14.1974% | 3,399 |
| Total risk-based capital ratio | 15.4495% | 3,340 |
| Memoranda: | ||
| Average total assets | $326,445,000 | 2,116 |
| Average earning assets | $286,404,670 | 2,185 |
| Average equity | $43,201,330 | 1,576 |
| Average total loans | $184,063,670 | 2,523 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7661% | 3,449 |
| Cost of funding earning assets | 0.8103% | 7,898 |
| Net interest margin | 4.9559% | 449 |
| Noninterest income to average assets | 1.1801% | 1,053 |
| Noninterest expense to average assets | 2.8975% | 4,164 |
| Loan and lease loss provision to assets | 0.2285% | 4,161 |
| Net operating income to assets | 1.7125% | 630 |
| Return on assets (ROA) | 1.7125% | 693 |
| Pretax return on assets | 2.4028% | 300 |
| Return on Equity (ROE) | 13.2300% | 1,328 |
| Retained earnings to average equity (ytd only) | 5.4836% | 2,868 |
| Net charge-offs to loans | 0.0961% | 4,215 |
| Credit loss provision to net charge-offs | 417.7778% | 1,262 |
| Earnings coverage of net charge-offs (x) | 48.1111% | 751 |
| Efficiency ratio | 51.7257% | 7,445 |
| Assets per employee ($millions) | 3.8962% | 3,881 |
| Cash dividends to net income (ytd only)* | 58.5522% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 3,342 |
| Loan loss allowance to noncurrent loans | 306.8155% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4971% | 5,973 |
| Noncurrent loans to loans | 0.4663% | 6,250 |
| Net loans and leases to total assets | 54.9691% | 6,358 |
| Net loans and leases to deposits | 65.1201% | 6,450 |
| Net loans and leases to core deposits | 77.1805% | 6,598 |
| Total domestic deposits to total assets | 84.4119% | 3,507 |
| Equity capital to assets | 13.1895% | 1,663 |
| Core capital (leverage) ratio | 8.6997% | 5,148 |
| Tier 1 risk-based capital ratio | 13.1616% | 4,074 |
| Total risk-based capital ratio | 14.4135% | 3,995 |
| Memoranda: | ||
| Average total assets | $329,112,500 | 2,120 |
| Average earning assets | $288,789,500 | 2,188 |
| Average equity | $42,600,000 | 1,603 |
| Average total loans | $187,359,000 | 2,502 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4792% | 3,066 |
| Cost of funding earning assets | 1.5484% | 7,537 |
| Net interest margin | 4.9308% | 594 |
| Noninterest income to average assets | 1.1953% | 1,057 |
| Noninterest expense to average assets | 2.7489% | 5,053 |
| Loan and lease loss provision to assets | 0.5638% | 2,563 |
| Net operating income to assets | 1.5419% | 942 |
| Return on assets (ROA) | 1.5597% | 881 |
| Pretax return on assets | 2.2202% | 378 |
| Return on Equity (ROE) | 12.4764% | 1,453 |
| Retained earnings to average equity (ytd only) | 2.4601% | 3,662 |
| Net charge-offs to loans | 0.8500% | 1,479 |
| Credit loss provision to net charge-offs | 109.8810% | 4,904 |
| Earnings coverage of net charge-offs (x) | 5.3768% | 3,664 |
| Efficiency ratio | 49.0740% | 7,728 |
| Assets per employee ($millions) | 3.8039% | 3,950 |
| Cash dividends to net income (ytd only)* | 80.2820% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 3,897 |
| Loan loss allowance to noncurrent loans | 158.7781% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4699% | 5,817 |
| Noncurrent loans to loans | 0.8090% | 5,020 |
| Net loans and leases to total assets | 57.3313% | 6,300 |
| Net loans and leases to deposits | 67.9541% | 6,464 |
| Net loans and leases to core deposits | 80.1286% | 6,604 |
| Total domestic deposits to total assets | 84.3677% | 3,147 |
| Equity capital to assets | 12.7010% | 1,916 |
| Core capital (leverage) ratio | 8.2709% | 6,008 |
| Tier 1 risk-based capital ratio | 12.4032% | 4,503 |
| Total risk-based capital ratio | 13.5612% | 4,462 |
| Memoranda: | ||
| Average total assets | $327,441,200 | 2,041 |
| Average earning assets | $286,362,000 | 2,124 |
| Average equity | $40,933,200 | 1,635 |
| Average total loans | $197,638,600 | 2,321 |