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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 4.41% 4.36% 4.27% 4.39% 4.37% Chart
Cost of funding earning assets 0.61% 0.62% 0.62% 0.67% 0.68% Chart
Net interest margin 3.79% 3.73% 3.65% 3.72% 3.70% Chart
Noninterest income to average assets 0.46% 0.44% 0.43% 0.73% 0.43% Chart
Noninterest expense to average assets 2.86% 2.79% 2.72% 2.86% 2.85% Chart
Loan and lease loss provision to assets 0.00% 0.00% 0.00% 0.20% 0.00% Chart
Net operating income to assets 0.69% 0.69% 0.69% 0.69% 0.64% Chart
Return on assets (ROA) 0.69% 0.69% 0.69% 0.69% 0.64% Chart
Pretax return on assets 0.98% 0.98% 0.97% 0.99% 0.88% Chart
Return on Equity (ROE) 7.35% 7.36% 7.37% 7.34% 6.85% Chart
Retained earnings to average equity (YTD only) 7.05% 6.90% 7.37% 6.68% 6.25% Chart
Net charge-offs to loans 0.05% 0.00% 0.00% 0.37% 0.48% Chart
Credit loss provision to net charge-offs 0.00% 0.00% 0.00% 78.67% 0.00% Chart
Earnings coverage of net charge-offs (x) 27.40% 289.50% 0.00% 4.63% 2.62% Chart
Efficiency ratio 74.38% 73.99% 73.62% 70.51% 76.33% Chart
Assets per employee ($millions) 4.16% 4.10% 4.11% 4.12% 4.21% Chart
Cash dividends to net income (YTD only) 4.08% 6.19% 0.00% 8.95% 8.73% Chart
Condition Ratios (%)
Loss allowance to loans 0.86% 0.93% 0.96% 0.97% 0.73% Chart
Loan loss allowance to noncurrent loans 401.06% 351.79% 61.29% 61.91% 39.75% Chart
Noncurrent assets plus other real estate owned to assets 0.36% 0.37% 1.88% 1.99% 2.19% Chart
Noncurrent loans to loans 0.21% 0.26% 1.56% 1.56% 1.82% Chart
Net loans and leases to total assets 72.52% 70.69% 68.43% 70.06% 69.12% Chart
Net loans and leases to deposits 81.70% 80.23% 77.35% 78.94% 80.65% Chart
Net loans and leases to core deposits 92.75% 90.31% 87.24% 89.37% 91.04% Chart
Total domestic deposits to total assets 88.77% 88.10% 88.46% 88.74% 85.71% Chart
Equity capital to assets 9.47% 9.37% 9.25% 9.33% 9.26% Chart
Core capital (leverage) ratio 9.33% 9.29% 9.36% 9.26% 9.49% Chart
Tier 1 risk-based capital ratio 13.76% 13.48% 14.00% 13.87% 13.73% Chart
Total risk-based capital ratio 14.68% 14.43% 15.00% 14.88% 14.48% Chart
Memoranda
Average total assets 118,581 117,856 117,365 110,920 109,788 Chart
Average earning assets 106,033 105,173 104,860 99,132 98,101 Chart
Average equity 11,095 10,984 10,905 10,358 10,254 Chart
Average loans 84,300 82,957 82,039 77,613 76,600 Chart