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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 4.10% 4.12% 4.06% 3.74% 3.82% Chart
Cost of funding earning assets 0.28% 0.29% 0.29% 0.37% 0.40% Chart
Net interest margin 3.82% 3.84% 3.77% 3.37% 3.42% Chart
Noninterest income to average assets 0.53% 0.41% 0.30% 0.13% 0.10% Chart
Noninterest expense to average assets 2.09% 2.15% 2.22% 1.60% 1.62% Chart
Loan and lease loss provision to assets 0.09% 0.07% 0.01% 0.02% 0.02% Chart
Net operating income to assets 1.16% 1.10% 1.01% 1.08% 1.09% Chart
Return on assets (ROA) 1.18% 1.13% 1.07% 1.10% 1.11% Chart
Pretax return on assets 1.87% 1.74% 1.63% 1.71% 1.74% Chart
Return on Equity (ROE) 7.40% 7.19% 6.91% 5.85% 5.58% Chart
Retained earnings to average equity (YTD only) 7.40% 7.19% 6.91% 0.27% -1.91% Chart
Net charge-offs to loans 0.08% 0.03% 0.00% 0.00% 0.00% Chart
Credit loss provision to net charge-offs 179.89% 414.29% 233.33% 0.00% 0.00% Chart
Earnings coverage of net charge-offs (x) 37.72% 101.60% 622.67% 0.00% 0.00% Chart
Efficiency ratio 51.24% 54.16% 58.10% 48.51% 48.26% Chart
Assets per employee ($millions) 5.86% 5.90% 6.20% 6.11% 7.94% Chart
Cash dividends to net income (YTD only) 0.00% 0.00% 0.00% 95.33% 134.29% Chart
Condition Ratios (%)
Loss allowance to loans 0.33% 0.32% 0.27% 0.26% 0.37% Chart
Loan loss allowance to noncurrent loans 30.42% 23.84% 7.58% 22.40% 54.19% Chart
Noncurrent assets plus other real estate owned to assets 1.07% 1.31% 2.88% 1.45% 0.61% Chart
Noncurrent loans to loans 1.09% 1.35% 3.54% 1.16% 0.67% Chart
Net loans and leases to total assets 64.76% 64.57% 66.63% 67.69% 65.21% Chart
Net loans and leases to deposits 78.63% 77.93% 79.82% 80.49% 82.76% Chart
Net loans and leases to core deposits 81.12% 80.47% 82.48% 83.47% 84.91% Chart
Total domestic deposits to total assets 82.37% 82.86% 83.47% 84.10% 78.80% Chart
Equity capital to assets 16.93% 16.16% 15.79% 15.19% 20.04% Chart
Core capital (leverage) ratio 16.20% 15.39% 15.14% 15.19% 20.13% Chart
Tier 1 risk-based capital ratio 32.33% 31.94% 28.30% 27.94% 42.25% Chart
Total risk-based capital ratio 32.79% 32.41% 28.64% 28.29% 42.78% Chart
Memoranda
Average total assets 479,558 483,149 486,015 385,171 359,324 Chart
Average earning assets 438,554 442,221 444,903 363,316 340,491 Chart
Average equity 76,768 75,899 75,289 72,142 71,621 Chart
Average loans 316,876 320,967 327,276 249,501 228,985 Chart