Page 4 - Ashley Burt

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 4.79% 4.74%
4 Cost of funding earning assets 0.26% 0.31%
5 Net interest margin 4.53% 4.43%
6 Noninterest income to assets 1.02% 0.83%
7 Noninterest expense to assets 3.83% 3.45%

8 Loan and lease loss provision to assets 0.01% 0.03%
9 Net operating income to assets 0.91% 0.96%
10 Return on assets (ROA) 0.92% 0.96%
11 Pretax return on assets 1.44% 1.48%

12 Return on equity (ROE) 9.90% 9.99%
13 Retained earnings to average equity (YTD only) 6.01% 2.66%
0.00% -0.02%
14 Net charge-offs to loans and leases
15 Loan and lease loss provision to net charge-offs 1,200.00% -233.33%
16 Earnings coverage of net loan charge-offs (x) 1,188.00 N/A

17 Efficiency ratio 72.81% 69.46%
18 Assets per employee ($ millions) 2.72 3.01
19 Cash dividends to net income (YTD only) 39.27% 73.43%

Condition Ratios (%)
20 Earning assets to total assets 93.44% 93.57%
21 Loss allowance to loans and leases 1.53% 1.75%
22 Loss allowance to noncurrent loans and leases N/A N/A

23 Noncurrent assets plus other real estate owned to assets 0 0.14%
0 0
24 Noncurrent loans to loans
25 Net loans and leases to assets 71.09% 63.80%
26 Net loans and leases to deposits 80.45% 71.31%

27 Net loans and leases to core deposits 83.02% 73.89%
28 Domestic deposits to total assets 88.36% 89.48%
29 Equity capital to assets 9.42% 9.22%
30 Core capital (leverage) ratio 9.55% 9.22%
31 Tier 1 risk-based capital ratio 13.48% 14.50%

32 Total risk-based capital ratio 14.73% 15.76%