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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 4.45% 4.41% 4.36% 4.35% 4.30% Chart
Cost of funding earning assets 0.82% 0.82% 0.82% 0.79% 0.78% Chart
Net interest margin 3.64% 3.59% 3.54% 3.56% 3.52% Chart
Noninterest income to average assets 0.45% 0.39% 0.41% 0.44% 0.43% Chart
Noninterest expense to average assets 2.32% 2.40% 2.39% 2.52% 2.45% Chart
Loan and lease loss provision to assets 0.12% 0.07% 0.07% 0.03% 0.01% Chart
Net operating income to assets 1.03% 0.95% 0.93% 0.91% 0.94% Chart
Return on assets (ROA) 1.03% 0.95% 0.93% 0.91% 0.95% Chart
Pretax return on assets 1.47% 1.34% 1.32% 1.27% 1.32% Chart
Return on Equity (ROE) 9.61% 8.86% 8.82% 10.21% 11.10% Chart
Retained earnings to average equity (YTD only) 9.61% 8.86% 8.82% 8.71% 8.98% Chart
Net charge-offs to loans 0.05% 0.04% 0.07% 0.01% 0.01% Chart
Credit loss provision to net charge-offs 306.67% 205.13% 129.03% 350.00% 83.33% Chart
Earnings coverage of net charge-offs (x) 39.23% 43.85% 26.97% 145.45% 183.41% Chart
Efficiency ratio 59.38% 63.07% 63.32% 65.87% 64.69% Chart
Assets per employee ($millions) 5.84% 5.62% 5.54% 5.30% 5.07% Chart
Cash dividends to net income (YTD only) 0.00% 0.00% 0.00% 14.66% 19.06% Chart
Condition Ratios (%)
Loss allowance to loans 1.08% 1.09% 1.13% 1.14% 1.16% Chart
Loan loss allowance to noncurrent loans 580.61% 532.51% 676.19% 858.70% 617.61% Chart
Noncurrent assets plus other real estate owned to assets 0.18% 0.19% 0.22% 0.19% 0.21% Chart
Noncurrent loans to loans 0.19% 0.21% 0.17% 0.13% 0.19% Chart
Net loans and leases to total assets 80.97% 78.95% 76.46% 77.42% 77.17% Chart
Net loans and leases to deposits 106.15% 101.48% 98.45% 100.36% 98.60% Chart
Net loans and leases to core deposits 117.58% 115.28% 112.05% 114.27% 112.25% Chart
Total domestic deposits to total assets 76.27% 77.81% 77.66% 77.14% 78.26% Chart
Equity capital to assets 10.82% 10.92% 10.87% 10.30% 8.61% Chart
Core capital (leverage) ratio 10.89% 10.97% 10.98% 10.57% 8.65% Chart
Tier 1 risk-based capital ratio 15.29% 15.89% 16.27% 15.22% 12.75% Chart
Total risk-based capital ratio 16.54% 17.14% 17.52% 16.47% 14.00% Chart
Memoranda
Average total assets 246,798 243,343 241,281 224,924 221,502 Chart
Average earning assets 235,019 231,632 229,711 213,392 210,065 Chart
Average equity 26,485 26,034 25,541 20,044 18,912 Chart
Average loans 195,884 191,013 187,746 169,192 164,779 Chart