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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 3.20% 3.11% 2.83% 3.25% 3.21% Chart
Cost of funding earning assets 0.84% 0.80% 0.69% 0.70% 0.68% Chart
Net interest margin 2.36% 2.31% 2.15% 2.56% 2.53% Chart
Noninterest income to average assets 0.62% 0.61% 0.60% 1.20% 1.12% Chart
Noninterest expense to average assets 1.98% 2.05% 2.18% 2.77% 2.64% Chart
Loan and lease loss provision to assets 0.15% 0.18% 0.34% 0.03% 0.03% Chart
Net operating income to assets 0.46% 0.35% 0.06% 0.50% 0.51% Chart
Return on assets (ROA) 0.63% 0.60% 0.55% 0.53% 0.54% Chart
Pretax return on assets 0.98% 0.94% 0.86% 0.84% 0.85% Chart
Return on Equity (ROE) 7.91% 7.54% 6.97% 6.39% 6.30% Chart
Retained earnings to average equity (YTD only) 7.82% 7.45% 6.87% 5.56% 5.22% Chart
Net charge-offs to loans 0.00% 0.00% 0.00% 0.00% 0.01% Chart
Credit loss provision to net charge-offs 0.00% 20250.00% 9687.50% 1300.00% 875.00% Chart
Earnings coverage of net charge-offs (x) 0.00% 831.75% 121.88% 337.20% 212.62% Chart
Efficiency ratio 69.01% 73.38% 83.01% 76.72% 75.21% Chart
Assets per employee ($millions) 10.14% 10.39% 9.87% 9.95% 9.68% Chart
Cash dividends to net income (YTD only) 1.14% 1.23% 1.36% 12.98% 17.08% Chart
Condition Ratios (%)
Loss allowance to loans 0.45% 0.45% 0.43% 0.31% 0.34% Chart
Loan loss allowance to noncurrent loans 169.49% 176.40% 338.15% 2.80% 2.30% Chart
Noncurrent assets plus other real estate owned to assets 0.20% 0.20% 0.11% 8.26% 9.93% Chart
Noncurrent loans to loans 0.27% 0.25% 0.13% 11.20% 14.70% Chart
Net loans and leases to total assets 69.93% 68.49% 73.08% 73.39% 67.22% Chart
Net loans and leases to deposits 89.92% 90.11% 92.72% 103.28% 85.95% Chart
Net loans and leases to core deposits 103.60% 106.08% 111.48% 117.87% 98.35% Chart
Total domestic deposits to total assets 77.76% 76.00% 78.81% 71.05% 78.20% Chart
Equity capital to assets 7.75% 8.20% 8.19% 7.61% 7.93% Chart
Core capital (leverage) ratio 7.86% 7.98% 8.65% 7.50% 7.96% Chart
Tier 1 risk-based capital ratio 13.92% 14.75% 15.33% 17.53% 20.04% Chart
Total risk-based capital ratio 14.49% 15.31% 15.93% 18.07% 20.63% Chart
Memoranda
Average total assets 933,042 916,077 906,642 822,075 801,266 Chart
Average earning assets 879,078 860,796 850,909 768,591 749,212 Chart
Average equity 74,056 73,334 71,669 68,322 68,169 Chart
Average loans 666,795 658,678 666,417 572,368 548,844 Chart