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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 4.17% 4.14% 4.16% 4.10% 4.07% Chart
Cost of funding earning assets 0.40% 0.40% 0.40% 0.41% 0.40% Chart
Net interest margin 3.77% 3.75% 3.77% 3.69% 3.67% Chart
Noninterest income to average assets 0.53% 0.54% 0.50% 0.54% 0.52% Chart
Noninterest expense to average assets 3.24% 3.34% 3.35% 3.30% 3.25% Chart
Loan and lease loss provision to assets 0.12% 0.18% 0.36% 0.34% 0.19% Chart
Net operating income to assets 1.91% 2.77% 0.08% 0.15% 0.29% Chart
Return on assets (ROA) 1.91% 2.76% 0.07% 0.16% 0.30% Chart
Pretax return on assets 0.51% 0.35% 0.15% 0.24% 0.38% Chart
Return on Equity (ROE) 22.14% 32.43% 0.88% 2.01% 3.79% Chart
Retained earnings to average equity (YTD only) 22.14% 32.43% 0.88% 2.01% 3.79% Chart
Net charge-offs to loans 0.03% 0.06% 0.30% 0.33% 0.25% Chart
Credit loss provision to net charge-offs 505.88% 390.91% 156.36% 138.33% 103.88% Chart
Earnings coverage of net charge-offs (x) 26.88% 11.64% 2.24% 2.27% 2.98% Chart
Efficiency ratio 83.71% 86.16% 86.56% 85.55% 85.42% Chart
Assets per employee ($millions) 3.32% 3.26% 3.20% 3.20% 3.33% 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 1.82% 1.82% 1.83% 1.83% 1.74% Chart
Loan loss allowance to noncurrent loans 114.96% 108.27% 84.08% 65.76% 71.27% Chart
Noncurrent assets plus other real estate owned to assets 1.36% 1.42% 1.88% 2.22% 1.90% Chart
Noncurrent loans to loans 1.58% 1.68% 2.17% 2.78% 2.44% Chart
Net loans and leases to total assets 76.18% 77.22% 76.44% 77.32% 75.90% Chart
Net loans and leases to deposits 86.02% 87.16% 85.22% 86.38% 84.85% Chart
Net loans and leases to core deposits 90.53% 92.48% 90.91% 92.01% 90.57% Chart
Total domestic deposits to total assets 88.55% 88.59% 89.70% 89.51% 89.46% Chart
Equity capital to assets 8.94% 9.19% 8.09% 8.28% 8.18% Chart
Core capital (leverage) ratio 9.17% 9.28% 8.63% 8.71% 8.62% Chart
Tier 1 risk-based capital ratio 13.55% 13.67% 12.98% 13.00% 12.97% Chart
Total risk-based capital ratio 14.82% 14.94% 14.24% 14.23% 14.20% Chart
Memoranda
Average total assets 96,538 95,559 94,490 92,525 92,430 Chart
Average earning assets 85,597 84,997 84,718 83,115 82,872 Chart
Average equity 8,333 8,148 7,733 7,415 7,347 Chart
Average loans 75,500 74,940 73,989 69,362 68,411 Chart