Page 6 - Four Corners Community Bank

Four Corners
Four Corners
Community Bank Community
Definition Farmington, NM Bank
September 30, Farmington, NM
2017 September 30,
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 4.70% 4.73%
4 Cost of funding earning assets 0.34% 0.33%
5 Net interest margin 4.36% 4.41%
6 Noninterest income to assets 0.52% 0.51%
7 Noninterest expense to assets 2.45% 2.51%
8 Loan and lease loss provision to assets 0.08% 0.26%
9 Net operating income to assets 2.10% 1.89%
10 Return on assets (ROA) 2.10% 1.89%
11 Pretax return on assets 2.10% 1.89%
12 Return on equity (ROE) 19.21% 16.78%
13 Retained earnings to average equity (YTD only) 8.33% 7.20%
0.09% 0.23%
14 Net charge-offs to loans and leases
15 Loan and lease loss provision to net charge-offs 115.61% 148.88%
16 Earnings coverage of net loan charge-offs (x) 32.60 12.47
17 Efficiency ratio 51.70% 52.48%
18 Assets per employee ($ millions) 4.27 4.36
19 Cash dividends to net income (YTD only) 56.65% 57.09%
Condition Ratios (%)
20 Earning assets to total assets 93.79% 94.14%
21 Loss allowance to loans and leases 1.62% 1.74%
22 Loss allowance to noncurrent loans and leases 83.28% 67.38%
23 Noncurrent assets plus other real estate owned to 1.70% 2.05%
assets
1.94% 2.57%
24 Noncurrent loans to loans
25 Net loans and leases to assets 71.31% 76.43%
26 Net loans and leases to deposits 88.62% 96.97%
27 Net loans and leases to core deposits 99.65% 112.37%
28 Domestic deposits to total assets 80.46% 78.82%
29 Equity capital to assets 11.12% 11.40%
30 Core capital (leverage) ratio 11.18% 11.18%
31 Tier 1 risk-based capital ratio 14.59% 13.37%
32 Total risk-based capital ratio 15.84% 14.62%
33 Common equity tier 1 capital ratio 14.59% 13.37%