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 4.61% 4.60% 4.61% 4.65% 4.63% Chart
Cost of funding earning assets 0.62% 0.61% 0.60% 0.55% 0.55% Chart
Net interest margin 3.99% 3.99% 4.01% 4.10% 4.08% Chart
Noninterest income to average assets 0.59% 0.60% 0.61% 0.51% 0.60% Chart
Noninterest expense to average assets 2.81% 2.83% 2.91% 3.04% 3.02% Chart
Loan and lease loss provision to assets 0.13% 0.13% 0.13% 0.32% 0.39% Chart
Net operating income to assets 0.86% 0.86% 0.82% 0.60% 0.58% Chart
Return on assets (ROA) 0.86% 0.86% 0.82% 0.84% 0.92% Chart
Pretax return on assets 1.37% 1.37% 1.30% 1.32% 1.46% Chart
Return on Equity (ROE) 8.65% 8.61% 8.24% 8.50% 9.25% Chart
Retained earnings to average equity (YTD only) 8.65% 8.61% 8.24% 8.50% 9.25% Chart
Net charge-offs to loans 0.32% 0.37% 0.52% 0.42% 0.48% Chart
Credit loss provision to net charge-offs 47.92% 41.10% 29.64% 92.65% 97.43% Chart
Earnings coverage of net charge-offs (x) 5.57% 4.70% 3.21% 3.59% 3.33% Chart
Efficiency ratio 64.97% 65.14% 66.72% 70.45% 69.15% Chart
Assets per employee ($millions) 4.24% 4.19% 4.09% 4.07% 3.94% 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 1.91% 1.95% 2.01% 2.12% 2.23% Chart
Loan loss allowance to noncurrent loans 172.09% 185.44% 124.56% 133.87% 106.56% Chart
Noncurrent assets plus other real estate owned to assets 1.74% 1.66% 2.06% 2.20% 2.73% Chart
Noncurrent loans to loans 1.11% 1.05% 1.62% 1.58% 2.10% Chart
Net loans and leases to total assets 81.91% 83.06% 83.15% 84.43% 81.91% Chart
Net loans and leases to deposits 97.16% 98.78% 96.64% 99.70% 95.66% Chart
Net loans and leases to core deposits 108.38% 110.35% 107.88% 108.51% 104.36% Chart
Total domestic deposits to total assets 84.30% 84.08% 86.04% 84.68% 85.63% Chart
Equity capital to assets 9.91% 9.95% 9.99% 9.97% 9.93% Chart
Core capital (leverage) ratio 9.86% 9.84% 9.80% 9.60% 9.30% Chart
Tier 1 risk-based capital ratio 12.03% 11.86% 11.69% 11.73% 11.37% Chart
Total risk-based capital ratio 13.29% 13.12% 12.96% 12.96% 12.63% Chart
Memoranda
Average total assets 464,731 458,540 453,101 431,706 427,684 Chart
Average earning assets 433,911 427,894 423,167 398,700 393,654 Chart
Average equity 46,264 45,712 45,212 42,829 42,377 Chart
Average loans 394,119 390,970 387,632 362,843 356,991 Chart