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 4.59% 4.46% 4.22% 4.09% 3.95% Chart
Cost of funding earning assets 0.63% 0.63% 0.60% 0.60% 0.61% Chart
Net interest margin 3.96% 3.83% 3.62% 3.48% 3.34% Chart
Noninterest income to average assets 0.39% 0.10% 0.83% 1.61% 2.00% Chart
Noninterest expense to average assets 5.16% 5.47% 5.48% 5.41% 5.36% Chart
Loan and lease loss provision to assets 0.00% 0.00% 0.00% 0.13% 0.17% Chart
Net operating income to assets -1.63% -2.33% -1.74% -1.15% -0.85% Chart
Return on assets (ROA) -1.63% -2.33% -1.74% -1.15% -0.85% Chart
Pretax return on assets -1.63% -2.33% -1.74% -1.15% -0.85% Chart
Return on Equity (ROE) -20.57% -28.40% -20.17% -15.41% -12.06% Chart
Retained earnings to average equity (YTD only) -20.57% -28.40% -20.17% -15.41% -12.06% Chart
Net charge-offs to loans 0.00% 0.00% 0.00% 0.46% 0.61% Chart
Credit loss provision to net charge-offs 0.00% 0.00% 0.00% 41.18% 41.67% Chart
Earnings coverage of net charge-offs (x) 0.00% 0.00% 0.00% -3.29% -1.73% Chart
Efficiency ratio 146.11% 174.14% 146.44% 123.26% 114.68% Chart
Assets per employee ($millions) 3.39% 2.94% 2.98% 2.71% 2.89% Chart
Cash dividends to net income (YTD only) 0.00% 0.00% 0.00% 0.00% 0.00% Chart
Condition Ratios (%)
Loss allowance to loans 2.54% 2.65% 2.61% 2.80% 2.67% Chart
Loan loss allowance to noncurrent loans 0.00% 0.00% 33.24% 29.96% 30.02% Chart
Noncurrent assets plus other real estate owned to assets 11.96% 13.10% 15.09% 17.37% 16.41% Chart
Noncurrent loans to loans 0.00% 0.00% 7.84% 9.34% 8.89% Chart
Net loans and leases to total assets 70.77% 69.59% 69.93% 71.44% 70.25% Chart
Net loans and leases to deposits 76.48% 75.50% 76.13% 78.77% 77.51% Chart
Net loans and leases to core deposits 76.48% 76.29% 76.91% 79.68% 78.34% Chart
Total domestic deposits to total assets 92.54% 92.17% 91.86% 90.69% 90.63% Chart
Equity capital to assets 7.13% 7.40% 8.01% 9.27% 9.18% Chart
Core capital (leverage) ratio 7.20% 7.30% 8.33% 8.91% 8.92% Chart
Tier 1 risk-based capital ratio 7.88% 8.08% 10.18% 11.10% 11.25% Chart
Total risk-based capital ratio 9.14% 9.34% 11.38% 12.35% 12.50% Chart
Memoranda
Average total assets 26,176 25,852 25,569 27,430 28,198 Chart
Average earning assets 20,790 20,548 20,547 21,907 22,543 Chart
Average equity 2,074 2,120 2,202 2,044 1,990 Chart
Average loans 18,933 18,672 18,565 18,329 18,436 Chart