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Performance and Condition Ratios

Figures in USD, Thousands 09/30/2015 06/30/2015 03/31/2015 12/31/2014 09/30/2014 Charts
% of unprofitable institutions N/A N/A N/A N/A N/A Chart
% of insitutions with earnings gains N/A N/A N/A N/A N/A Chart
Performance Ratios (%, annualized)
Yield on earning assets 3.44% 3.42% 3.37% 3.79% 3.86% Chart
Cost of funding earning assets 0.73% 0.72% 0.72% 0.74% 0.75% Chart
Net interest margin 2.71% 2.70% 2.65% 3.05% 3.11% Chart
Noninterest income to average assets 0.12% 0.12% 0.12% 0.10% 0.10% Chart
Noninterest expense to average assets 2.32% 2.21% 2.54% 2.83% 2.95% Chart
Loan and lease loss provision to assets -0.13% -0.16% -0.42% 0.11% 0.06% Chart
Net operating income to assets 0.45% 0.60% 0.51% 0.05% 0.02% Chart
Return on assets (ROA) 0.51% 0.67% 0.65% 0.11% 0.05% Chart
Pretax return on assets 0.51% 0.67% 0.65% 0.11% 0.05% Chart
Return on Equity (ROE) 6.39% 8.42% 8.02% 1.56% 0.72% Chart
Retained earnings to average equity (YTD only) 6.39% 8.42% 8.02% 1.56% 0.72% Chart
Net charge-offs to loans -0.09% -0.15% -0.65% 0.35% 0.26% Chart
Credit loss provision to net charge-offs 229.17% 160.00% 96.32% 43.26% 31.87% Chart
Earnings coverage of net charge-offs (x) 0.00% 0.00% 0.00% 0.64% 0.43% Chart
Efficiency ratio 87.91% 83.34% 96.78% 94.70% 97.35% Chart
Assets per employee ($millions) 6.45% 6.86% 6.24% 5.80% 5.68% Chart
Cash dividends to net income (YTD only) 0.00% 0.00% 0.00% 0.00% 0.00% Chart
Condition Ratios (%)
Loss allowance to loans 0.39% 0.44% 0.50% 0.51% 0.60% Chart
Loan loss allowance to noncurrent loans 8.31% 8.70% 9.45% 8.01% 8.84% Chart
Noncurrent assets plus other real estate owned to assets 3.62% 3.83% 4.10% 4.78% 5.12% Chart
Noncurrent loans to loans 4.75% 5.04% 5.31% 6.39% 6.79% Chart
Net loans and leases to total assets 65.46% 65.57% 67.40% 66.45% 67.48% Chart
Net loans and leases to deposits 78.43% 78.64% 81.92% 79.24% 79.73% Chart
Net loans and leases to core deposits 96.72% 83.39% 85.62% 82.25% 82.99% Chart
Total domestic deposits to total assets 83.46% 83.37% 82.28% 83.85% 84.63% Chart
Equity capital to assets 7.77% 7.75% 8.15% 8.04% 8.43% Chart
Core capital (leverage) ratio 7.87% 8.29% 8.27% 8.24% 8.71% Chart
Tier 1 risk-based capital ratio 13.57% 14.16% 14.81% 14.89% 15.47% Chart
Total risk-based capital ratio 14.02% 14.68% 15.42% 15.52% 16.21% Chart
Memoranda
Average total assets 333,660 328,842 321,713 285,365 276,991 Chart
Average earning assets 310,819 308,111 303,119 269,561 261,344 Chart
Average equity 26,393 26,222 26,041 20,752 19,535 Chart
Average loans 221,916 219,596 216,415 200,130 196,923 Chart