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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 3.55% 3.57% 3.49% 3.58% 3.60% Chart
Cost of funding earning assets 0.37% 0.37% 0.37% 0.39% 0.39% Chart
Net interest margin 3.18% 3.20% 3.12% 3.19% 3.21% Chart
Noninterest income to average assets 0.74% 0.72% 0.73% 0.72% 0.71% Chart
Noninterest expense to average assets 2.22% 2.21% 2.28% 2.18% 2.16% Chart
Loan and lease loss provision to assets 0.05% 0.05% 0.06% 0.08% 0.08% Chart
Net operating income to assets 0.96% 0.97% 0.86% 0.96% 0.97% Chart
Return on assets (ROA) 0.96% 0.97% 0.86% 0.97% 0.98% Chart
Pretax return on assets 1.42% 1.43% 1.28% 1.42% 1.46% Chart
Return on Equity (ROE) 9.85% 9.92% 8.82% 10.07% 10.21% Chart
Retained earnings to average equity (YTD only) 5.37% 5.35% 4.08% 5.09% 5.23% Chart
Net charge-offs to loans 0.07% 0.07% 0.07% 0.16% 0.14% Chart
Credit loss provision to net charge-offs 101.67% 112.72% 151.20% 82.43% 99.70% Chart
Earnings coverage of net charge-offs (x) 32.27% 33.50% 31.92% 14.72% 17.93% Chart
Efficiency ratio 59.12% 58.97% 61.89% 58.32% 57.59% Chart
Assets per employee ($millions) 6.29% 6.16% 6.18% 6.28% 6.08% Chart
Cash dividends to net income (YTD only) 45.49% 46.06% 53.71% 49.46% 48.75% Chart
Condition Ratios (%)
Loss allowance to loans 1.15% 1.17% 1.19% 1.19% 1.25% Chart
Loan loss allowance to noncurrent loans 208.01% 198.20% 162.35% 126.91% 119.75% Chart
Noncurrent assets plus other real estate owned to assets 0.36% 0.40% 0.52% 0.66% 0.72% Chart
Noncurrent loans to loans 0.55% 0.59% 0.73% 0.94% 1.04% Chart
Net loans and leases to total assets 63.63% 63.61% 63.64% 63.40% 62.71% Chart
Net loans and leases to deposits 89.24% 89.38% 89.27% 89.79% 87.51% Chart
Net loans and leases to core deposits 106.68% 106.95% 107.54% 105.52% 100.58% Chart
Total domestic deposits to total assets 71.30% 71.17% 71.29% 70.61% 71.66% Chart
Equity capital to assets 9.86% 9.75% 9.83% 9.66% 9.60% Chart
Core capital (leverage) ratio 8.52% 8.48% 8.42% 8.38% 8.30% Chart
Tier 1 risk-based capital ratio 12.37% 12.33% 12.33% 12.65% 12.62% Chart
Total risk-based capital ratio 13.47% 13.45% 13.48% 13.85% 13.86% Chart
Memoranda
Average total assets 2,799,728 2,784,799 2,772,375 2,669,056 2,645,648 Chart
Average earning assets 2,596,610 2,582,473 2,570,418 2,466,818 2,443,780 Chart
Average equity 273,703 271,473 270,251 257,035 254,558 Chart
Average loans 1,800,945 1,790,916 1,782,158 1,679,238 1,655,895 Chart