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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 4.42% 4.40% 4.42% 4.43% 4.45% Chart
Cost of funding earning assets 0.44% 0.45% 0.47% 0.51% 0.53% Chart
Net interest margin 3.99% 3.95% 3.94% 3.92% 3.92% Chart
Noninterest income to average assets 0.87% 0.86% 0.83% 0.89% 0.90% Chart
Noninterest expense to average assets 3.14% 3.20% 3.23% 3.08% 3.11% Chart
Loan and lease loss provision to assets 0.09% 0.10% 0.10% 0.09% 0.09% Chart
Net operating income to assets 0.91% 0.83% 0.84% 0.97% 0.95% Chart
Return on assets (ROA) 0.91% 0.83% 0.84% 0.97% 0.95% Chart
Pretax return on assets 1.26% 1.14% 1.08% 1.24% 1.22% Chart
Return on Equity (ROE) 8.56% 7.85% 7.93% 9.34% 9.19% Chart
Retained earnings to average equity (YTD only) 3.81% 2.64% 3.48% 4.70% 4.28% Chart
Net charge-offs to loans 0.08% 0.05% 0.05% 0.11% 0.11% Chart
Credit loss provision to net charge-offs 141.51% 270.27% 277.78% 110.43% 108.29% Chart
Earnings coverage of net charge-offs (x) 22.20% 32.59% 31.96% 15.68% 15.04% Chart
Efficiency ratio 68.99% 70.96% 72.18% 68.74% 69.30% Chart
Assets per employee ($millions) 4.46% 4.24% 4.30% 4.28% 4.08% Chart
Cash dividends to net income (YTD only) 55.42% 66.34% 56.09% 49.69% 53.41% Chart
Condition Ratios (%)
Loss allowance to loans 1.10% 1.11% 1.10% 1.09% 1.10% Chart
Loan loss allowance to noncurrent loans 83.34% 91.97% 95.04% 92.93% 87.27% Chart
Noncurrent assets plus other real estate owned to assets 1.20% 1.16% 1.11% 1.11% 1.17% Chart
Noncurrent loans to loans 1.32% 1.20% 1.16% 1.18% 1.26% Chart
Net loans and leases to total assets 76.80% 79.00% 76.77% 75.62% 76.92% Chart
Net loans and leases to deposits 94.22% 99.82% 94.02% 89.81% 92.57% Chart
Net loans and leases to core deposits 100.44% 107.29% 100.12% 95.76% 99.03% Chart
Total domestic deposits to total assets 81.52% 79.15% 81.65% 84.20% 83.09% Chart
Equity capital to assets 10.74% 10.79% 10.60% 10.47% 10.56% Chart
Core capital (leverage) ratio 8.92% 8.82% 8.82% 8.61% 8.46% Chart
Tier 1 risk-based capital ratio 12.15% 12.03% 12.20% 12.30% 12.07% Chart
Total risk-based capital ratio 13.35% 13.26% 13.44% 13.54% 13.31% Chart
Memoranda
Average total assets 583,902 582,407 585,617 575,039 572,276 Chart
Average earning assets 528,876 527,370 530,947 517,768 514,457 Chart
Average equity 62,182 61,835 61,673 59,746 59,348 Chart
Average loans 454,853 454,163 451,169 447,547 447,401 Chart