Page 6 - MidWestOne Bank

MidWestOne
MidWestOne Bank Bank
Definition Iowa City, IA Iowa City, IA
December 31, 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 4.12% 3.98%

4 Cost of funding earning assets 0.42% 0.52%
5 Net interest margin 3.70% 3.45%
6 Noninterest income to assets 0.77% 0.81%

7 Noninterest expense to assets 2.86% 2.34%
8 Loan and lease loss provision to assets 0.27% 0.10%
9 Net operating income to assets 0.73% 1.27%
10 Return on assets (ROA) 0.74% 1.31%
11 Pretax return on assets 1.01% 1.61%
12 Return on equity (ROE) 6.66% 13.28%
13 Retained earnings to average equity (YTD only) 2.94% -17.19%
0.26% 0.30%
14 Net charge-offs to loans and leases
15 Loan and lease loss provision to net charge-offs 143.58% 50.68%
16 Earnings coverage of net loan charge-offs (x) 6.82 8.02
17 Efficiency ratio 66.24% 58.05%
18 Assets per employee ($ millions) 5.23 4.83
19 Cash dividends to net income (YTD only) 55.96% 229.42%
Condition Ratios (%)
20 Earning assets to total assets 90.97% 91.90%
21 Loss allowance to loans and leases 1.01% 1.42%
22 Loss allowance to noncurrent loans and leases 92.61% 508.54%

23 Noncurrent assets plus other real estate owned to 0.84% 0.33%
assets
1.09% 0.28%
24 Noncurrent loans to loans
25 Net loans and leases to assets 69.92% 67.30%
26 Net loans and leases to deposits 86.45% 82.28%
27 Net loans and leases to core deposits 94.64% 92.04%
28 Domestic deposits to total assets 80.87% 81.79%
29 Equity capital to assets 10.92% 9.39%
30 Core capital (leverage) ratio 8.98% 8.90%
31 Tier 1 risk-based capital ratio 11.04% 11.30%
32 Total risk-based capital ratio 11.96% 12.53%