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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 12.08% 12.25% 12.42% 12.41% 12.46% Chart
Cost of funding earning assets 0.17% 0.21% 0.21% 0.21% 0.21% Chart
Net interest margin 11.91% 12.05% 12.21% 12.20% 12.25% Chart
Noninterest income to average assets 0.15% 0.21% 0.37% 0.03% 0.03% Chart
Noninterest expense to average assets 2.51% 2.57% 2.59% 2.66% 2.64% Chart
Loan and lease loss provision to assets 3.20% 2.51% 3.05% 2.71% 2.46% Chart
Net operating income to assets 4.02% 4.57% 4.40% 4.36% 4.58% Chart
Return on assets (ROA) 4.02% 4.57% 4.40% 4.36% 4.58% Chart
Pretax return on assets 6.25% 7.08% 6.83% 6.76% 7.08% Chart
Return on Equity (ROE) 28.04% 30.42% 27.78% 28.74% 30.06% Chart
Retained earnings to average equity (YTD only) -6.66% -21.13% 27.78% -4.24% -14.80% Chart
Net charge-offs to loans 2.51% 2.67% 2.71% 2.38% 2.36% Chart
Credit loss provision to net charge-offs 134.03% 97.25% 116.58% 119.64% 109.76% Chart
Earnings coverage of net charge-offs (x) 3.95% 3.72% 3.77% 4.18% 4.26% Chart
Efficiency ratio 21.02% 21.11% 20.80% 21.89% 21.67% Chart
Assets per employee ($millions) 11.05% 9.69% 9.59% 10.02% 9.46% Chart
Cash dividends to net income (YTD only) 123.76% 169.47% 0.00% 114.77% 149.24% Chart
Condition Ratios (%)
Loss allowance to loans 3.48% 3.00% 3.28% 3.05% 2.94% Chart
Loan loss allowance to noncurrent loans 355.33% 364.17% 332.90% 314.95% 333.55% Chart
Noncurrent assets plus other real estate owned to assets 0.89% 0.80% 0.95% 0.94% 0.84% Chart
Noncurrent loans to loans 0.98% 0.83% 0.99% 0.97% 0.88% Chart
Net loans and leases to total assets 87.62% 93.93% 93.42% 93.47% 93.07% Chart
Net loans and leases to deposits 100.82% 142091.10% 132547.69% 226701.70% 237071.97% Chart
Net loans and leases to core deposits 105.37% 142091.10% 132547.69% 226701.70% 237071.97% Chart
Total domestic deposits to total assets 86.91% 0.07% 0.07% 0.04% 0.04% Chart
Equity capital to assets 12.61% 13.39% 16.71% 14.99% 14.71% Chart
Core capital (leverage) ratio 12.55% 12.41% 16.37% 15.38% 15.19% Chart
Tier 1 risk-based capital ratio 12.88% 12.15% 17.17% 15.33% 15.15% Chart
Total risk-based capital ratio 14.16% 12.63% 18.44% 16.60% 16.42% Chart
Memoranda
Average total assets 6,694,815 6,461,642 6,421,070 5,991,970 5,854,616 Chart
Average earning assets 6,636,167 6,404,540 6,365,427 5,941,214 5,805,092 Chart
Average equity 960,544 969,841 1,016,660 909,408 891,585 Chart
Average loans 6,360,311 6,242,876 6,196,418 5,714,284 5,566,160 Chart