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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 3.24% 3.23% 3.20% 3.49% 3.53% Chart
Cost of funding earning assets 0.09% 0.09% 0.10% 0.11% 0.12% Chart
Net interest margin 3.15% 3.13% 3.11% 3.37% 3.41% Chart
Noninterest income to average assets 1.14% 1.20% 1.22% 0.83% 0.84% Chart
Noninterest expense to average assets 3.15% 3.16% 3.23% 3.33% 3.47% Chart
Loan and lease loss provision to assets 0.00% 0.00% 0.00% -0.77% 0.00% Chart
Net operating income to assets 0.81% 0.84% 0.77% 1.25% 0.36% Chart
Return on assets (ROA) 0.82% 0.84% 0.78% 1.27% 0.39% Chart
Pretax return on assets 0.82% 0.84% 0.78% 1.27% 0.39% Chart
Return on Equity (ROE) 7.45% 7.65% 7.04% 11.85% 3.69% Chart
Retained earnings to average equity (YTD only) -3.59% -9.04% -26.27% 10.84% 2.31% Chart
Net charge-offs to loans -0.06% -0.01% 0.00% -0.01% -0.02% Chart
Credit loss provision to net charge-offs 0.00% 0.00% 0.00% 13888.89% 0.00% Chart
Earnings coverage of net charge-offs (x) 0.00% 0.00% 0.00% 0.00% 0.00% Chart
Efficiency ratio 79.47% 79.10% 80.69% 87.48% 90.48% Chart
Assets per employee ($millions) 3.62% 3.39% 3.28% 3.27% 3.23% Chart
Cash dividends to net income (YTD only) 148.18% 218.16% 473.28% 8.53% 37.39% Chart
Condition Ratios (%)
Loss allowance to loans 2.12% 2.12% 2.14% 2.27% 3.69% Chart
Loan loss allowance to noncurrent loans 91.63% 107.44% 97.06% 95.71% 192.35% Chart
Noncurrent assets plus other real estate owned to assets 6.72% 7.13% 7.46% 7.47% 7.96% Chart
Noncurrent loans to loans 2.32% 1.97% 2.21% 2.37% 1.92% Chart
Net loans and leases to total assets 45.32% 45.63% 45.69% 43.04% 46.52% Chart
Net loans and leases to deposits 51.74% 51.89% 52.03% 49.11% 52.57% Chart
Net loans and leases to core deposits 52.07% 52.23% 52.33% 49.39% 52.97% Chart
Total domestic deposits to total assets 87.59% 87.93% 87.83% 87.64% 88.49% Chart
Equity capital to assets 10.89% 10.83% 10.87% 11.20% 10.37% Chart
Core capital (leverage) ratio 10.94% 11.08% 10.91% 11.71% 11.04% Chart
Tier 1 risk-based capital ratio 17.79% 17.44% 17.28% 19.43% 17.45% Chart
Total risk-based capital ratio 19.04% 18.69% 18.54% 20.69% 18.72% Chart
Memoranda
Average total assets 341,889 338,854 337,314 324,124 320,833 Chart
Average earning assets 306,418 302,819 301,093 285,804 281,998 Chart
Average equity 37,425 37,160 37,226 34,593 33,794 Chart
Average loans 156,997 155,157 153,030 149,689 149,975 Chart