Page 3 - Evergreen National Bank

Evergreen National Evergreen
Definition Bank National Bank
Evergreen, CO Evergreen, 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 3.50% 3.26%

4 Cost of funding earning assets 0.01% 0.01%
5 Net interest margin 3.49% 3.25%
6 Noninterest income to assets 0.81% 0.72%
7 Noninterest expense to assets 3.85% 3.71%
8 Loan and lease loss provision to assets 0 0
9 Net operating income to assets 0.13% -0.00%
10 Return on assets (ROA) 0.13% 0.35%
11 Pretax return on assets 0.20% 0.57%
12 Return on equity (ROE) 1.42% 3.90%
13 Retained earnings to average equity (YTD only) 1.42% 3.90%
0.03% -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) 13.75 N/A
17 Efficiency ratio 95.00% 99.40%
18 Assets per employee ($ millions) 3.09 3.08

19 Cash dividends to net income (YTD only) 0 0
Condition Ratios (%)
20 Earning assets to total assets 93.74% 93.34%
21 Loss allowance to loans and leases 1.22% 1.42%
22 Loss allowance to noncurrent loans and leases 157.72% 252.82%

23 Noncurrent assets plus other real estate owned to 0.72% 0.61%
assets
0.78% 0.56%
24 Noncurrent loans to loans
25 Net loans and leases to assets 52.61% 48.82%
26 Net loans and leases to deposits 57.92% 53.79%
27 Net loans and leases to core deposits 57.92% 53.79%
28 Domestic deposits to total assets 90.83% 90.75%
29 Equity capital to assets 8.95% 9.04%
30 Core capital (leverage) ratio 8.83% 8.52%
31 Tier 1 risk-based capital ratio 17.48% 18.44%

32 Total risk-based capital ratio 18.73% 19.70%