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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 4.63% 4.61% 4.57% 4.84% 4.75% Chart
Cost of funding earning assets 0.19% 0.20% 0.23% 0.29% 0.31% Chart
Net interest margin 4.44% 4.41% 4.34% 4.55% 4.44% Chart
Noninterest income to average assets 1.72% 1.52% 1.23% 1.28% 1.30% Chart
Noninterest expense to average assets 4.87% 4.89% 4.28% 4.44% 4.51% Chart
Loan and lease loss provision to assets 0.07% 0.09% 0.08% 0.20% 0.04% Chart
Net operating income to assets 2.73% 3.74% 0.63% 1.37% 1.72% Chart
Return on assets (ROA) 2.74% 3.75% 0.63% 1.38% 1.72% Chart
Pretax return on assets 0.64% 0.39% 0.65% 0.59% 0.62% Chart
Return on Equity (ROE) 22.71% 31.39% 5.37% 12.29% 15.56% Chart
Retained earnings to average equity (YTD only) 13.42% 31.39% 5.37% 12.29% 15.56% Chart
Net charge-offs to loans 0.26% 0.46% 0.49% 0.24% 0.05% Chart
Credit loss provision to net charge-offs 35.77% 26.52% 24.21% 118.06% 106.52% Chart
Earnings coverage of net charge-offs (x) 3.72% 1.43% 2.15% 4.76% 19.13% Chart
Efficiency ratio 87.37% 91.29% 85.33% 84.92% 87.35% Chart
Assets per employee ($millions) 3.27% 3.24% 3.05% 3.56% 3.71% Chart
Cash dividends to net income (YTD only) 40.89% 0.00% 0.00% 0.00% 0.00% Chart
Condition Ratios (%)
Loss allowance to loans 0.96% 0.93% 1.05% 1.15% 1.13% Chart
Loan loss allowance to noncurrent loans 143.79% 125.92% 67.75% 68.23% 141.74% Chart
Noncurrent assets plus other real estate owned to assets 1.86% 2.01% 1.62% 1.87% 1.10% Chart
Noncurrent loans to loans 0.67% 0.74% 1.55% 1.69% 0.79% Chart
Net loans and leases to total assets 71.41% 72.00% 69.34% 70.13% 69.39% Chart
Net loans and leases to deposits 94.50% 94.63% 88.31% 89.23% 86.24% Chart
Net loans and leases to core deposits 101.50% 101.47% 96.97% 98.76% 95.25% Chart
Total domestic deposits to total assets 75.57% 76.08% 78.53% 78.60% 80.46% Chart
Equity capital to assets 12.37% 12.38% 11.67% 11.77% 11.67% Chart
Core capital (leverage) ratio 10.75% 10.90% 11.66% 11.28% 11.29% Chart
Tier 1 risk-based capital ratio 12.94% 12.50% 14.29% 13.93% 13.96% Chart
Total risk-based capital ratio 13.80% 13.31% 15.22% 14.95% 14.95% Chart
Memoranda
Average total assets 376,817 373,805 370,999 360,939 359,461 Chart
Average earning assets 326,139 324,471 324,512 313,549 312,016 Chart
Average equity 45,409 44,636 43,475 40,418 39,731 Chart
Average loans 269,286 266,311 261,603 250,407 247,934 Chart