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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 4.16% 4.13% 4.21% 4.51% 4.55% Chart
Cost of funding earning assets 0.12% 0.12% 0.12% 0.12% 0.12% Chart
Net interest margin 4.04% 4.01% 4.09% 4.38% 4.43% Chart
Noninterest income to average assets 0.51% 0.50% 0.56% 0.56% 0.58% Chart
Noninterest expense to average assets 2.67% 2.67% 2.75% 3.00% 3.06% Chart
Loan and lease loss provision to assets 0.09% 0.09% 0.09% 0.10% 0.10% Chart
Net operating income to assets 0.75% 0.76% 0.78% 0.87% 0.88% Chart
Return on assets (ROA) 0.75% 0.76% 0.78% 0.87% 0.88% Chart
Pretax return on assets 1.14% 1.15% 1.18% 1.25% 1.29% Chart
Return on Equity (ROE) 7.51% 7.58% 7.68% 8.11% 8.12% Chart
Retained earnings to average equity (YTD only) 2.98% 0.73% -6.06% 4.58% 3.37% Chart
Net charge-offs to loans -0.24% -0.13% -0.44% 0.68% 0.78% Chart
Credit loss provision to net charge-offs -562.50% -1000.00% -300.00% 184.62% 160.71% Chart
Earnings coverage of net charge-offs (x) 0.00% 0.00% 0.00% 25.18% 22.16% Chart
Efficiency ratio 68.57% 68.32% 68.33% 68.97% 68.79% Chart
Assets per employee ($millions) 5.15% 5.39% 4.94% 5.00% 4.61% Chart
Cash dividends to net income (YTD only) 60.37% 90.37% 178.99% 43.52% 58.52% Chart
Condition Ratios (%)
Loss allowance to loans 11.84% 11.11% 10.50% 9.89% 9.45% Chart
Loan loss allowance to noncurrent loans 297.34% 365.53% 711.36% 4994.44% 3990.91% Chart
Noncurrent assets plus other real estate owned to assets 0.28% 0.22% 0.14% 0.05% 0.06% Chart
Noncurrent loans to loans 3.98% 3.04% 1.48% 0.20% 0.24% Chart
Net loans and leases to total assets 5.38% 5.51% 6.01% 6.29% 6.77% Chart
Net loans and leases to deposits 5.98% 6.11% 6.69% 7.04% 7.59% Chart
Net loans and leases to core deposits 6.27% 6.53% 7.19% 7.59% 8.26% Chart
Total domestic deposits to total assets 89.92% 90.16% 89.77% 89.47% 89.10% Chart
Equity capital to assets 9.90% 9.66% 9.96% 10.37% 10.63% Chart
Core capital (leverage) ratio 9.81% 9.78% 9.77% 10.62% 10.37% Chart
Tier 1 risk-based capital ratio 44.70% 45.66% 46.16% 45.62% 47.08% Chart
Total risk-based capital ratio 46.38% 47.42% 47.77% 47.39% 48.89% Chart
Memoranda
Average total assets 135,652 134,520 131,707 121,316 119,123 Chart
Average earning assets 113,361 114,141 111,496 104,794 103,977 Chart
Average equity 13,519 13,438 13,389 13,028 12,912 Chart
Average loans 8,800 8,905 9,017 9,509 9,614 Chart