Page 3 - TBK Bank

Performance and Condition Ratios
1 % of unprofitable institutions N/A N/A
2 % of institutions with earnings gains N/A N/A
Performance Ratios (%, annualized) (Year-to-date) (Year-to-date)
3 Yield on earning assets 6.09% 6.62%
4 Cost of funding earning assets 0.54% 0.57%
5 Net interest margin 5.55% 6.06%

6 Noninterest income to assets 0.65% 0.61%
7 Noninterest expense to assets 4.25% 4.49%
8 Loan and lease loss provision to assets 1.17% -0.15%
9 Net operating income to assets 0.20% 1.16%
10 Return on assets (ROA) 0.20% 1.16%
11 Pretax return on assets 0.31% 1.83%
12 Return on equity (ROE) 1.60% 8.53%
13 Retained earnings to average equity (YTD only) 1.60% 8.53%

0.79% -0.01%
14 Net charge-offs to loans and leases
15 Loan and lease loss provision to net charge-offs 190.55% 1,650.00%
16 Earnings coverage of net loan charge-offs (x) 2.41 N/A
17 Efficiency ratio 71.61% 70.20%
18 Assets per employee ($ millions) 3.69 3.28
19 Cash dividends to net income (YTD only) 0 0

Condition Ratios (%)
20 Earning assets to total assets 91.72% 92.18%
21 Loss allowance to loans and leases 0.94% 0.98%
22 Loss allowance to noncurrent loans and leases 57.03% 71.21%
23 Noncurrent assets plus other real estate owned to assets 1.70% 1.44%

1.65% 1.37%
24 Noncurrent loans to loans
25 Net loans and leases to assets 77.60% 75.42%
26 Net loans and leases to deposits 98.41% 96.51%
27 Net loans and leases to core deposits 109.46% 108.57%
28 Domestic deposits to total assets 78.86% 78.14%
29 Equity capital to assets 12.49% 13.82%
30 Core capital (leverage) ratio 10.97% 12.43%

31 Tier 1 risk-based capital ratio 12.10% 14.26%
32 Total risk-based capital ratio 12.94% 15.15%