Page 3 - Colorado East Bank

Colorado East
Colorado East Bank & Trust
Definition Bank & Trust Lamar, CO
Lamar, CO
June 30, 2016 December 31,
2015
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 4.28% 4.03%
4 Cost of funding earning assets 0.29% 0.30%
5 Net interest margin 4.00% 3.73%

6 Noninterest income to assets 0.35% 0.23%
7 Noninterest expense to assets 3.39% 3.22%
8 Loan and lease loss provision to assets 0.17% 0.00%
9 Net operating income to assets 0.62% 0.28%
10 Return on assets (ROA) 0.62% 0.32%
11 Pretax return on assets 0.36% 0.39%
12 Return on equity (ROE) 5.13% 2.75%
13 Retained earnings to average equity (YTD only) -6.68% 2.75%
0.86% 0.57%
14 Net charge-offs to loans and leases
15 Loan and lease loss provision to net charge-offs 31.57% 0.80%
16 Earnings coverage of net loan charge-offs (x) 0.99 1.01
17 Efficiency ratio 85.95% 89.89%
18 Assets per employee ($ millions) 3.40 3.32
19 Cash dividends to net income (YTD only) 230.39% 0

Condition Ratios (%)
20 Earning assets to total assets 89.35% 88.66%
21 Loss allowance to loans and leases 1.26% 1.59%
22 Loss allowance to noncurrent loans and leases 491.59% 91.13%
23 Noncurrent assets plus other real estate owned to assets 0.74% 1.98%
0.26% 1.74%
24 Noncurrent loans to loans
25 Net loans and leases to assets 61.02% 58.88%
26 Net loans and leases to deposits 69.50% 67.18%
27 Net loans and leases to core deposits 72.95% 70.53%
28 Domestic deposits to total assets 87.80% 87.65%
29 Equity capital to assets 11.80% 12.01%
30 Core capital (leverage) ratio 9.82% 10.46%
31 Tier 1 risk-based capital ratio 13.64% 14.42%
32 Total risk-based capital ratio 14.75% 15.68%