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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 3.50% 3.45% 3.54% 3.60% 3.59% Chart
Cost of funding earning assets 0.49% 0.49% 0.50% 0.55% 0.55% Chart
Net interest margin 3.01% 2.96% 3.04% 3.05% 3.04% Chart
Noninterest income to average assets 0.15% 0.16% 0.20% 0.14% 0.14% Chart
Noninterest expense to average assets 2.40% 2.39% 2.50% 2.52% 2.45% Chart
Loan and lease loss provision to assets 0.00% 0.00% 0.00% 0.00% 0.00% Chart
Net operating income to assets 0.64% 0.62% 0.61% 0.58% 0.64% Chart
Return on assets (ROA) 0.64% 0.62% 0.61% 0.58% 0.64% Chart
Pretax return on assets 0.64% 0.62% 0.61% 0.58% 0.64% Chart
Return on Equity (ROE) 5.45% 5.29% 5.18% 5.07% 5.62% Chart
Retained earnings to average equity (YTD only) 2.21% 0.39% -4.59% 2.43% 2.08% Chart
Net charge-offs to loans 0.06% 0.09% 0.18% 0.00% 0.00% Chart
Credit loss provision to net charge-offs 0.00% 0.00% 0.00% 0.00% 0.00% Chart
Earnings coverage of net charge-offs (x) 33.58% 21.60% 10.60% 0.00% 0.00% Chart
Efficiency ratio 78.87% 79.35% 80.37% 81.19% 79.19% Chart
Assets per employee ($millions) 3.87% 4.35% 4.37% 3.83% 3.82% Chart
Cash dividends to net income (YTD only) 59.52% 92.59% 188.68% 52.00% 63.03% Chart
Condition Ratios (%)
Loss allowance to loans 2.12% 2.19% 2.24% 2.21% 2.23% Chart
Loan loss allowance to noncurrent loans 140.34% 107.86% 133.51% 198.43% 201.60% Chart
Noncurrent assets plus other real estate owned to assets 0.51% 0.66% 0.53% 0.37% 0.36% Chart
Noncurrent loans to loans 1.51% 2.03% 1.68% 1.12% 1.11% Chart
Net loans and leases to total assets 32.77% 31.61% 30.83% 32.33% 32.08% Chart
Net loans and leases to deposits 38.57% 35.93% 35.01% 36.71% 36.53% Chart
Net loans and leases to core deposits 40.71% 38.43% 36.79% 38.61% 41.35% Chart
Total domestic deposits to total assets 84.96% 87.98% 88.06% 88.06% 87.82% Chart
Equity capital to assets 12.00% 11.69% 11.74% 11.86% 11.70% Chart
Core capital (leverage) ratio 11.66% 11.21% 11.32% 11.39% 11.31% Chart
Tier 1 risk-based capital ratio 29.31% 30.54% 24.06% 18.31% 18.17% Chart
Total risk-based capital ratio 30.55% 31.81% 25.58% 19.47% 19.33% Chart
Memoranda
Average total assets 34,760 34,747 34,712 34,204 34,144 Chart
Average earning assets 33,460 33,418 33,338 33,204 33,164 Chart
Average equity 4,109 4,087 4,095 3,947 3,913 Chart
Average loans 11,331 11,224 11,209 11,117 11,050 Chart