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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 4.71% 4.66% 4.75% 4.83% 4.85% Chart
Cost of funding earning assets 0.91% 0.92% 0.93% 1.02% 1.03% Chart
Net interest margin 3.80% 3.74% 3.82% 3.81% 3.82% Chart
Noninterest income to average assets 1.05% 0.97% 0.91% 0.15% 0.37% Chart
Noninterest expense to average assets 4.46% 4.38% 4.38% 5.78% 5.89% Chart
Loan and lease loss provision to assets -0.17% -0.25% 0.00% -0.25% -0.33% Chart
Net operating income to assets 0.23% 0.26% 0.01% -2.11% -1.95% Chart
Return on assets (ROA) 0.32% 0.40% 0.28% -2.11% -1.95% Chart
Pretax return on assets 0.32% 0.40% 0.28% -2.11% -1.95% Chart
Return on Equity (ROE) 3.33% 4.12% 2.93% -21.68% -19.93% Chart
Retained earnings to average equity (YTD only) 3.33% 4.12% 2.93% -21.68% -19.93% Chart
Net charge-offs to loans 0.41% 0.06% 0.24% 0.07% -0.07% Chart
Credit loss provision to net charge-offs -50.71% -520.83% 0.00% -467.29% 617.28% Chart
Earnings coverage of net charge-offs (x) 0.18% 0.13% 0.04% -44.16% 0.00% Chart
Efficiency ratio 98.65% 99.86% 99.81% 168.88% 163.08% Chart
Assets per employee ($millions) 3.56% 3.82% 4.18% 3.78% 3.59% Chart
Cash dividends to net income (YTD only) 0.00% 0.00% 0.00% 0.00% 0.00% Chart
Condition Ratios (%)
Loss allowance to loans 1.47% 1.77% 1.90% 1.93% 2.12% Chart
Loan loss allowance to noncurrent loans 86.04% 101.69% 130.12% 121.14% 114.73% Chart
Noncurrent assets plus other real estate owned to assets 3.13% 3.10% 2.57% 2.79% 2.78% Chart
Noncurrent loans to loans 1.71% 1.74% 1.46% 1.60% 1.85% Chart
Net loans and leases to total assets 81.46% 79.04% 79.64% 80.48% 75.88% Chart
Net loans and leases to deposits 95.87% 90.68% 92.61% 95.03% 88.50% Chart
Net loans and leases to core deposits 98.75% 93.27% 95.31% 97.87% 91.20% Chart
Total domestic deposits to total assets 84.96% 87.16% 86.00% 84.70% 85.74% Chart
Equity capital to assets 9.80% 9.62% 9.61% 9.57% 9.72% Chart
Core capital (leverage) ratio 9.72% 9.85% 9.78% 9.38% 9.36% Chart
Tier 1 risk-based capital ratio 11.92% 12.03% 11.72% 11.75% 11.65% Chart
Total risk-based capital ratio 13.79% 14.54% 14.47% 14.52% 14.40% Chart
Memoranda
Average total assets 196,920 197,210 196,550 200,407 201,304 Chart
Average earning assets 180,204 180,085 179,330 172,083 170,753 Chart
Average equity 19,002 18,933 18,851 19,486 19,650 Chart
Average loans 160,676 160,210 160,441 154,677 152,964 Chart