Page 4 - Mountain View Bank of Commerce

Mountain View
Mountain View Bank of
Definition Bank of Commerce Commerce
Westminster, CO Westminster, CO
March 31, 2017
March 31, 2016
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 4.50% 4.47%
4 Cost of funding earning assets 0.77% 0.67%
5 Net interest margin 3.73% 3.79%
6 Noninterest income to assets -0.16% 0.18%
7 Noninterest expense to assets 3.47% 3.46%
8 Loan and lease loss provision to assets 0 1.94%
9 Net operating income to assets -0.05% -0.98%
10 Return on assets (ROA) -0.05% -0.98%
11 Pretax return on assets -0.07% -1.53%
12 Return on equity (ROE) -0.52% -9.66%
13 Retained earnings to average equity (YTD only) -0.52% -9.66%
0 0
14 Net charge-offs to loans and leases
15 Loan and lease loss provision to net charge-offs N/A N/A
16 Earnings coverage of net loan charge-offs (x) N/A N/A
17 Efficiency ratio 102.11% 89.34%
18 Assets per employee ($ millions) 5.31 4.97
19 Cash dividends to net income (YTD only) 0 0
Condition Ratios (%)
20 Earning assets to total assets 95.39% 97.16%
21 Loss allowance to loans and leases 1.37% 2.09%
22 Loss allowance to noncurrent loans and leases N/A 147.21%
23 Noncurrent assets plus other real estate owned to assets 1.78% 1.19%

0 1.42%
24 Noncurrent loans to loans
25 Net loans and leases to assets 84.46% 81.88%
26 Net loans and leases to deposits 106.47% 110.02%
27 Net loans and leases to core deposits 119.68% 121.36%
28 Domestic deposits to total assets 79.33% 74.43%
29 Equity capital to assets 8.84% 9.79%
30 Core capital (leverage) ratio 8.94% 10.01%
31 Tier 1 risk-based capital ratio 10.16% 11.56%
32 Total risk-based capital ratio 11.41% 12.82%