Print

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 4.87% 4.74% 4.76% 4.83% 4.84% Chart
Cost of funding earning assets 0.25% 0.24% 0.25% 0.26% 0.27% Chart
Net interest margin 4.62% 4.50% 4.51% 4.57% 4.58% Chart
Noninterest income to average assets 1.03% 1.03% 0.96% 1.60% 1.06% Chart
Noninterest expense to average assets 4.77% 4.76% 4.74% 4.88% 4.82% Chart
Loan and lease loss provision to assets 0.15% 0.14% 0.17% 0.10% 0.07% Chart
Net operating income to assets 0.30% 0.24% 0.18% 0.60% 0.35% Chart
Return on assets (ROA) 0.44% 0.42% 0.52% 0.61% 0.39% Chart
Pretax return on assets 0.63% 0.62% 0.79% 0.93% 0.53% Chart
Return on Equity (ROE) 4.15% 4.00% 4.94% 6.00% 3.82% Chart
Retained earnings to average equity (YTD only) 3.26% 2.85% 4.57% 4.12% 3.00% Chart
Net charge-offs to loans 0.43% 0.65% -0.13% 0.03% 0.04% Chart
Credit loss provision to net charge-offs 46.03% 29.00% -178.57% 546.88% 243.90% Chart
Earnings coverage of net charge-offs (x) 1.85% 1.05% 0.00% 56.66% 17.79% Chart
Efficiency ratio 89.05% 90.54% 91.48% 82.92% 89.88% Chart
Assets per employee ($millions) 3.08% 3.15% 2.96% 3.09% 3.04% Chart
Cash dividends to net income (YTD only) 21.52% 28.94% 7.59% 31.30% 21.39% Chart
Condition Ratios (%)
Loss allowance to loans 1.51% 1.49% 1.85% 1.78% 1.77% Chart
Loan loss allowance to noncurrent loans 41.49% 32.17% 40.71% 43.20% 52.58% Chart
Noncurrent assets plus other real estate owned to assets 2.70% 3.43% 3.37% 2.92% 2.41% Chart
Noncurrent loans to loans 3.63% 4.63% 4.54% 4.11% 3.38% Chart
Net loans and leases to total assets 73.31% 73.14% 72.89% 69.83% 67.93% Chart
Net loans and leases to deposits 86.65% 85.55% 83.80% 84.36% 80.25% Chart
Net loans and leases to core deposits 108.75% 107.58% 104.88% 107.11% 102.92% Chart
Total domestic deposits to total assets 84.61% 85.49% 86.98% 82.77% 84.64% Chart
Equity capital to assets 10.49% 10.45% 10.84% 10.37% 10.22% Chart
Core capital (leverage) ratio 9.65% 10.14% 10.26% 9.96% 9.82% Chart
Tier 1 risk-based capital ratio 14.25% 14.92% 15.50% 15.75% 15.52% Chart
Total risk-based capital ratio 15.50% 16.18% 16.76% 17.01% 16.78% Chart
Memoranda
Average total assets 365,511 363,097 361,987 360,519 358,577 Chart
Average earning assets 342,677 340,598 339,186 338,230 336,632 Chart
Average equity 38,503 38,304 38,364 36,882 36,558 Chart
Average loans 268,654 265,720 262,974 249,087 245,905 Chart