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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 3.47% 3.22% 2.93% 3.59% 3.64% Chart
Cost of funding earning assets 0.23% 0.21% 0.21% 0.25% 0.26% Chart
Net interest margin 3.24% 3.01% 2.72% 3.34% 3.38% Chart
Noninterest income to average assets 0.45% 0.47% 0.47% 0.53% 0.55% Chart
Noninterest expense to average assets 2.41% 2.46% 2.34% 2.38% 2.32% Chart
Loan and lease loss provision to assets 0.00% 0.00% 0.00% 0.00% 0.00% Chart
Net operating income to assets 0.68% 0.42% 0.26% 0.84% 0.99% Chart
Return on assets (ROA) 0.70% 0.43% 0.26% 0.85% 1.01% Chart
Pretax return on assets 1.11% 0.85% 0.68% 1.29% 1.40% Chart
Return on Equity (ROE) 7.58% 4.71% 2.83% 10.97% 13.15% Chart
Retained earnings to average equity (YTD only) 7.31% 4.28% 2.83% 5.45% 13.15% Chart
Net charge-offs to loans 0.01% 0.02% 0.03% -0.01% -0.01% Chart
Credit loss provision to net charge-offs 0.00% 0.00% 0.00% 0.00% 0.00% Chart
Earnings coverage of net charge-offs (x) 253.68% 128.00% 105.00% 0.00% 0.00% Chart
Efficiency ratio 68.95% 74.73% 77.42% 65.16% 62.82% Chart
Assets per employee ($millions) 4.08% 3.84% 3.61% 4.09% 4.31% Chart
Cash dividends to net income (YTD only) 3.66% 9.02% 0.00% 50.27% 0.00% Chart
Condition Ratios (%)
Loss allowance to loans 1.91% 2.24% 3.01% 3.20% 1.88% Chart
Loan loss allowance to noncurrent loans 231.28% 225.93% 191.02% 563.22% 269.23% Chart
Noncurrent assets plus other real estate owned to assets 0.41% 0.45% 0.65% 0.32% 0.48% Chart
Noncurrent loans to loans 0.82% 0.99% 1.58% 0.57% 0.70% Chart
Net loans and leases to total assets 38.43% 34.77% 27.28% 22.65% 37.05% Chart
Net loans and leases to deposits 49.72% 44.47% 31.48% 26.64% 51.84% Chart
Net loans and leases to core deposits 51.91% 46.54% 32.68% 27.55% 53.49% Chart
Total domestic deposits to total assets 77.30% 78.19% 86.65% 85.01% 71.46% Chart
Equity capital to assets 9.36% 9.23% 10.12% 8.32% 7.93% Chart
Core capital (leverage) ratio 9.50% 10.20% 10.11% 9.01% 8.83% Chart
Tier 1 risk-based capital ratio 21.38% 28.82% 19.96% 22.77% 18.16% Chart
Total risk-based capital ratio 22.64% 30.08% 21.63% 24.03% 19.38% Chart
Memoranda
Average total assets 62,477 61,536 61,611 65,307 65,267 Chart
Average earning assets 58,679 57,711 57,804 60,993 60,908 Chart
Average equity 5,767 5,652 5,647 5,079 4,987 Chart
Average loans 19,745 17,798 15,781 19,574 20,638 Chart