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Park National Bank, Performance and Condition Ratios
| 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 | 5.7799% | 2,980 |
| Cost of funding earning assets | 1.8634% | 4,081 |
| Net interest margin | 3.9165% | 3,172 |
| Noninterest income to average assets | 0.5670% | 3,951 |
| Noninterest expense to average assets | 2.5756% | 5,799 |
| Loan and lease loss provision to assets | 2.6356% | 613 |
| Net operating income to assets | -0.7607% | 6,658 |
| Return on assets (ROA) | -0.7728% | 6,675 |
| Pretax return on assets | -1.2055% | 6,819 |
| Return on Equity (ROE) | -9.7056% | 6,874 |
| Retained earnings to average equity (ytd only) | -9.7056% | 6,778 |
| Net charge-offs to loans | 2.7222% | 662 |
| Credit loss provision to net charge-offs | 117.6361% | 4,325 |
| Earnings coverage of net charge-offs (x) | 0.6468% | 5,381 |
| Efficiency ratio | 63.5501% | 5,833 |
| Assets per employee ($millions) | 7.5865% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0379% | 1,713 |
| Loan loss allowance to noncurrent loans | 40.0069% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 8.4419% | 484 |
| Noncurrent loans to loans | 5.0940% | 1,274 |
| Net loans and leases to total assets | 78.6501% | 1,456 |
| Net loans and leases to deposits | 99.0553% | 1,209 |
| Net loans and leases to core deposits | 132.5920% | 1,303 |
| Total domestic deposits to total assets | 79.4001% | 5,660 |
| Equity capital to assets | 7.8809% | 6,959 |
| Core capital (leverage) ratio | 6.6054% | 7,628 |
| Tier 1 risk-based capital ratio | 7.7127% | 7,834 |
| Total risk-based capital ratio | 9.0269% | 7,833 |
| Memoranda: | ||
| Average total assets | $4,811,717,750 | 185 |
| Average earning assets | $4,248,015,500 | 186 |
| Average equity | $383,148,750 | 226 |
| Average total loans | $3,960,215,000 | 155 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8919% | 2,623 |
| Cost of funding earning assets | 1.8283% | 4,615 |
| Net interest margin | 4.0636% | 2,455 |
| Noninterest income to average assets | 0.5722% | 3,886 |
| Noninterest expense to average assets | 2.4682% | 6,233 |
| Loan and lease loss provision to assets | 2.3528% | 676 |
| Net operating income to assets | -0.3923% | 6,443 |
| Return on assets (ROA) | -0.4103% | 6,467 |
| Pretax return on assets | -0.6645% | 6,576 |
| Return on Equity (ROE) | -5.1359% | 6,622 |
| Retained earnings to average equity (ytd only) | -5.1359% | 6,320 |
| Net charge-offs to loans | 2.0536% | 903 |
| Credit loss provision to net charge-offs | 138.1139% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1.0076% | 4,777 |
| Efficiency ratio | 58.5565% | 6,757 |
| Assets per employee ($millions) | 8.1299% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0007% | 1,564 |
| Loan loss allowance to noncurrent loans | 46.9390% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 6.7403% | 657 |
| Noncurrent loans to loans | 4.2624% | 1,547 |
| Net loans and leases to total assets | 79.3404% | 1,449 |
| Net loans and leases to deposits | 110.7601% | 526 |
| Net loans and leases to core deposits | 144.5243% | 817 |
| Total domestic deposits to total assets | 71.6327% | 7,289 |
| Equity capital to assets | 7.9373% | 6,821 |
| Core capital (leverage) ratio | 7.2716% | 7,277 |
| Tier 1 risk-based capital ratio | 8.3803% | 7,863 |
| Total risk-based capital ratio | 9.6619% | 7,890 |
| Memoranda: | ||
| Average total assets | $4,855,330,000 | 192 |
| Average earning assets | $4,316,312,000 | 190 |
| Average equity | $387,900,330 | 227 |
| Average total loans | $4,027,585,330 | 158 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9365% | 2,620 |
| Cost of funding earning assets | 1.8103% | 5,068 |
| Net interest margin | 4.1261% | 2,188 |
| Noninterest income to average assets | 0.3482% | 5,661 |
| Noninterest expense to average assets | 2.1692% | 6,952 |
| Loan and lease loss provision to assets | 0.8209% | 1,574 |
| Net operating income to assets | 0.6701% | 3,706 |
| Return on assets (ROA) | 0.5907% | 4,252 |
| Pretax return on assets | 0.9302% | 3,603 |
| Return on Equity (ROE) | 7.3696% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.3696% | 2,071 |
| Net charge-offs to loans | 1.6102% | 900 |
| Credit loss provision to net charge-offs | 60.7386% | 4,504 |
| Earnings coverage of net charge-offs (x) | 1.3875% | 4,040 |
| Efficiency ratio | 53.1959% | 7,297 |
| Assets per employee ($millions) | 7.9954% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 3,684 |
| Loan loss allowance to noncurrent loans | 42.6954% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 4.2124% | 1,190 |
| Noncurrent loans to loans | 3.2074% | 2,018 |
| Net loans and leases to total assets | 82.9056% | 865 |
| Net loans and leases to deposits | 133.3351% | 121 |
| Net loans and leases to core deposits | 170.9064% | 329 |
| Total domestic deposits to total assets | 62.1783% | 7,907 |
| Equity capital to assets | 7.9969% | 6,816 |
| Core capital (leverage) ratio | 7.8705% | 6,663 |
| Tier 1 risk-based capital ratio | 8.3479% | 7,970 |
| Total risk-based capital ratio | 9.5993% | 8,004 |
| Memoranda: | ||
| Average total assets | $4,872,478,500 | 191 |
| Average earning assets | $4,364,952,500 | 189 |
| Average equity | $390,521,000 | 221 |
| Average total loans | $4,089,818,500 | 159 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6832% | 2,089 |
| Cost of funding earning assets | 2.6142% | 3,614 |
| Net interest margin | 4.0690% | 2,838 |
| Noninterest income to average assets | 0.7206% | 2,985 |
| Noninterest expense to average assets | 2.1108% | 7,212 |
| Loan and lease loss provision to assets | 0.6223% | 2,344 |
| Net operating income to assets | 1.1321% | 2,021 |
| Return on assets (ROA) | -0.8723% | 7,087 |
| Pretax return on assets | -1.4571% | 7,236 |
| Return on Equity (ROE) | -8.9827% | 7,197 |
| Retained earnings to average equity (ytd only) | -15.0544% | 7,463 |
| Net charge-offs to loans | 0.2197% | 4,028 |
| Credit loss provision to net charge-offs | 344.9110% | 1,311 |
| Earnings coverage of net charge-offs (x) | 12.7312% | 2,219 |
| Efficiency ratio | 47.4651% | 7,848 |
| Assets per employee ($millions) | 7.8393% | 486 |
| Cash dividends to net income (ytd only)* | -67.5929% | 8,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5201% | 2,587 |
| Loan loss allowance to noncurrent loans | 71.5460% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 3.3293% | 1,357 |
| Noncurrent loans to loans | 2.1247% | 2,595 |
| Net loans and leases to total assets | 82.5444% | 1,130 |
| Net loans and leases to deposits | 135.0687% | 148 |
| Net loans and leases to core deposits | 174.5229% | 343 |
| Total domestic deposits to total assets | 61.1129% | 7,923 |
| Equity capital to assets | 8.0326% | 6,800 |
| Core capital (leverage) ratio | 8.0693% | 6,378 |
| Tier 1 risk-based capital ratio | 7.8969% | 8,098 |
| Total risk-based capital ratio | 9.1480% | 8,128 |
| Memoranda: | ||
| Average total assets | $4,579,524,400 | 192 |
| Average earning assets | $4,150,018,200 | 188 |
| Average equity | $444,686,800 | 204 |
| Average total loans | $3,760,376,600 | 170 |