Page 7 - Wade Gephart_Neat

Mountain Valley Bank
461 Main
Walden, CO 80488
Mountain Valley
Mountain Valley
Bank
Definitio Bank Walden, CO
n Walden, CO December 31,
December 31, 2016
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 5.19% 4.54%
4 Cost of funding earning assets 0.35% 0.30%
5 Net interest margin 4.84% 4.24%
6 Noninterest income to assets 0.31% 0.29%
7 Noninterest expense to assets 3.19% 3.19%
8 Loan and lease loss provision to assets 0.43% 0.86%
9 Net operating income to assets 0.78% 0.10%
10 Return on assets (ROA) 0.78% 0.10%
11 Pretax return on assets 1.17% 0.15%
12 Return on equity (ROE) 6.92% 0.92%
13 Retained earnings to average equity (YTD only) 6.92% 0.92%
0.20% 0.41%
14 Net charge-offs to loans and leases
15 Loan and lease loss provision to net charge-offs 287.19% 303.85%
16 Earnings coverage of net loan charge-offs (x) 10.64 3.56
17 Efficiency ratio 62.45% 70.71%
18 Assets per employee ($ millions) 4.81 4.12
19 Cash dividends to net income (YTD only) 0 0
Condition Ratios (%)
20 Earning assets to total assets 93.26% 92.40%
21 Loss allowance to loans and leases 1.21% 0.95%
22 Loss allowance to noncurrent loans and leases 102.74% 109.77%
23 Noncurrent assets plus other real estate owned to 1.08% 0.99%
assets
1.18% 0.87%
24 Noncurrent loans to loans
25 Net loans and leases to assets 74.06% 74.47%
26 Net loans and leases to deposits 88.88% 87.65%
27 Net loans and leases to core deposits 102.44% 99.88%
28 Domestic deposits to total assets 83.33% 84.96%
29 Equity capital to assets 10.79% 11.14%
30 Core capital (leverage) ratio 10.33% 10.68%
31 Tier 1 risk-based capital ratio 12.59% 12.56%
32 Total risk-based capital ratio 13.73% 13.42%