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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 4.43% 4.42% 4.40% 4.60% 4.61% Chart
Cost of funding earning assets 0.56% 0.56% 0.57% 0.65% 0.67% Chart
Net interest margin 3.87% 3.85% 3.82% 3.94% 3.94% Chart
Noninterest income to average assets 0.48% 0.45% 0.41% 0.47% 0.48% Chart
Noninterest expense to average assets 2.98% 2.99% 3.04% 3.03% 3.02% Chart
Loan and lease loss provision to assets 0.00% 0.00% 0.00% 0.08% 0.10% Chart
Net operating income to assets 0.75% 0.71% 0.62% 0.69% 0.68% Chart
Return on assets (ROA) 0.75% 0.71% 0.62% 0.69% 0.68% Chart
Pretax return on assets 1.11% 1.06% 0.92% 1.00% 0.99% Chart
Return on Equity (ROE) 7.46% 7.11% 6.17% 7.01% 6.89% Chart
Retained earnings to average equity (YTD only) 3.75% 3.35% 2.32% 3.65% 3.72% Chart
Net charge-offs to loans 0.11% 0.15% 0.07% 0.14% 0.08% Chart
Credit loss provision to net charge-offs 0.00% 0.00% 0.00% 73.46% 143.54% Chart
Earnings coverage of net charge-offs (x) 11.61% 8.51% 16.27% 9.47% 15.88% Chart
Efficiency ratio 72.94% 73.93% 76.81% 73.48% 73.35% Chart
Assets per employee ($millions) 3.52% 3.49% 3.43% 3.40% 3.30% Chart
Cash dividends to net income (YTD only) 49.71% 52.87% 62.44% 47.95% 46.02% Chart
Condition Ratios (%)
Loss allowance to loans 0.93% 0.95% 1.04% 1.04% 1.15% Chart
Loan loss allowance to noncurrent loans 58.40% 56.17% 57.10% 64.20% 66.40% Chart
Noncurrent assets plus other real estate owned to assets 1.43% 1.50% 1.57% 1.43% 1.52% Chart
Noncurrent loans to loans 1.60% 1.70% 1.82% 1.63% 1.73% Chart
Net loans and leases to total assets 83.60% 83.56% 83.23% 83.95% 83.69% Chart
Net loans and leases to deposits 99.53% 98.48% 93.37% 99.58% 95.09% Chart
Net loans and leases to core deposits 155.96% 157.92% 151.54% 158.36% 155.14% Chart
Total domestic deposits to total assets 83.99% 84.86% 89.14% 84.30% 88.01% Chart
Equity capital to assets 9.97% 9.93% 10.12% 10.02% 10.29% Chart
Core capital (leverage) ratio 9.53% 9.57% 9.61% 9.68% 9.74% Chart
Tier 1 risk-based capital ratio 12.42% 12.22% 12.55% 12.23% 12.60% Chart
Total risk-based capital ratio 13.46% 13.28% 13.71% 13.38% 13.82% Chart
Memoranda
Average total assets 674,954 670,887 665,727 647,932 643,313 Chart
Average earning assets 628,718 624,329 618,778 598,359 593,164 Chart
Average equity 67,559 67,232 67,021 63,794 63,051 Chart
Average loans 569,812 566,463 562,334 548,916 544,811 Chart