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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 2.51% 2.53% 2.63% 2.59% 2.58% Chart
Cost of funding earning assets 0.43% 0.43% 0.46% 0.43% 0.46% Chart
Net interest margin 2.08% 2.09% 2.17% 2.15% 2.12% Chart
Noninterest income to average assets 24.32% 23.63% 22.99% 19.03% 18.15% Chart
Noninterest expense to average assets 22.53% 21.76% 21.14% 18.56% 17.84% Chart
Loan and lease loss provision to assets 0.06% 0.03% 0.03% 0.06% 0.04% Chart
Net operating income to assets 3.64% 3.76% 3.81% 2.39% 2.23% Chart
Return on assets (ROA) 3.62% 3.74% 3.79% 2.45% 2.20% Chart
Pretax return on assets 3.62% 3.74% 3.79% 2.45% 2.20% Chart
Return on Equity (ROE) 40.60% 42.86% 43.57% 30.30% 27.68% Chart
Retained earnings to average equity (YTD only) 12.32% 13.64% 8.20% 13.63% 14.21% Chart
Net charge-offs to loans 0.23% 0.13% 0.12% 0.37% 0.43% Chart
Credit loss provision to net charge-offs 120.87% 122.22% 138.00% 93.36% 60.82% Chart
Earnings coverage of net charge-offs (x) 74.99% 141.28% 164.00% 40.54% 34.60% Chart
Efficiency ratio 85.22% 84.50% 83.98% 87.68% 88.01% Chart
Assets per employee ($millions) 0.57% 0.64% 0.61% 0.70% 0.76% Chart
Cash dividends to net income (YTD only) 69.65% 68.17% 81.17% 55.03% 48.66% Chart
Condition Ratios (%)
Loss allowance to loans 0.43% 0.45% 0.49% 0.49% 0.46% Chart
Loan loss allowance to noncurrent loans 21.00% 17.39% 16.35% 17.12% 14.33% Chart
Noncurrent assets plus other real estate owned to assets 0.60% 0.62% 0.70% 0.69% 0.67% Chart
Noncurrent loans to loans 2.04% 2.59% 3.00% 2.88% 3.19% Chart
Net loans and leases to total assets 24.32% 20.78% 20.27% 19.35% 17.66% Chart
Net loans and leases to deposits 32.13% 26.73% 26.13% 23.23% 21.97% Chart
Net loans and leases to core deposits 33.69% 27.91% 27.87% 24.61% 23.32% Chart
Total domestic deposits to total assets 75.70% 77.76% 77.59% 83.28% 80.38% Chart
Equity capital to assets 9.50% 8.79% 8.88% 8.55% 8.34% Chart
Core capital (leverage) ratio 9.09% 9.20% 8.69% 8.89% 8.64% Chart
Tier 1 risk-based capital ratio 29.54% 29.07% 27.97% 27.48% 27.77% Chart
Total risk-based capital ratio 29.85% 29.37% 28.27% 27.77% 28.03% Chart
Memoranda
Average total assets 866,477 870,746 853,237 847,136 843,727 Chart
Average earning assets 799,861 803,471 783,774 781,195 779,144 Chart
Average equity 77,293 76,037 74,266 68,373 67,057 Chart
Average loans 184,218 176,116 169,633 137,845 130,458 Chart