Page 5 - Yampa Valley Bank flipbook_Neat

Yampa Valley Bank
600 South Lincoln Avenue
Steamboat Springs, CO 80477
FDIC Certificate #: 35407 Bank Charter Class: NM
Yampa Valley
Yampa Valley Bank
Bank
Steamboat
Definition Steamboat Spring, Spring, CO
CO
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 4.80% 4.82%
4 Cost of funding earning assets 0.19% 0.21%
5 Net interest margin 4.61% 4.61%
6 Noninterest income to assets 0.74% 0.71%
7 Noninterest expense to assets 3.06% 3.09%
8 Loan and lease loss provision to assets 0 0
9 Net operating income to assets 2.00% 1.89%
10 Return on assets (ROA) 2.01% 1.89%
11 Pretax return on assets 2.01% 1.89%
12 Return on equity (ROE) 21.68% 20.03%
13 Retained earnings to average equity (YTD only) 8.01% 7.30%
-0.05% -0.03%
14 Net charge-offs to loans and leases
15 Loan and lease loss provision to net charge-offs 0 0
16 Earnings coverage of net loan charge-offs (x) N/A N/A
17 Efficiency ratio 60.51% 62.08%
18 Assets per employee ($ millions) 4.50 4.36
19 Cash dividends to net income (YTD only) 63.04% 63.57%
Condition Ratios (%)
20 Earning assets to total assets 93.85% 92.88%
21 Loss allowance to loans and leases 1.88% 2.16%
22 Loss allowance to noncurrent loans and leases 257.93% 338.37%
23 Noncurrent assets plus other real estate owned to 0.62% 0.64%
assets
0.73% 0.64%
24 Noncurrent loans to loans
25 Net loans and leases to assets 75.18% 69.30%
26 Net loans and leases to deposits 83.18% 77.30%
27 Net loans and leases to core deposits 87.03% 81.58%
28 Domestic deposits to total assets 90.39% 89.64%
29 Equity capital to assets 9.02% 9.28%
30 Core capital (leverage) ratio 9.00% 9.28%
31 Tier 1 risk-based capital ratio 11.18% 11.67%