Page 6 - Frontier Bank

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 3.84% 3.77%

4 Cost of funding earning assets 0.24% 0.18%
5 Net interest margin 3.60% 3.59%
6 Noninterest income to assets 0.52% 0.49%
7 Noninterest expense to assets 2.19% 2.13%
8 Loan and lease loss provision to assets 0.15% 0.17%

9 Net operating income to assets 1.68% 1.69%
10 Return on assets (ROA) 1.71% 1.76%
11 Pretax return on assets 1.71% 1.76%
12 Return on equity (ROE) 15.11% 14.73%
13 Retained earnings to average equity (YTD only) 2.77% -3.77%
-0.05% 0.31%
14 Net charge-offs to loans and leases
15 Loan and lease loss provision to net charge-offs -563.38% 100.90%
16 Earnings coverage of net loan charge-offs (x) N/A 11.28
17 Efficiency ratio 54.09% 53.02%
18 Assets per employee ($ millions) 4.73 4.65

19 Cash dividends to net income (YTD only) 81.65% 125.60%
Condition Ratios (%)
20 Earning assets to total assets 97.02% 97.25%

21 Loss allowance to loans and leases 2.32% 2.34%
22 Loss allowance to noncurrent loans and leases 1,428.46% 2,553.54%
23 Noncurrent assets plus other real estate owned to assets 0.11% 0.05%
0.16% 0.09%
24 Noncurrent loans to loans
25 Net loans and leases to assets 57.00% 50.17%
26 Net loans and leases to deposits 64.20% 56.68%
27 Net loans and leases to core deposits 67.29% 59.14%
28 Domestic deposits to total assets 88.79% 88.51%
29 Equity capital to assets 11.15% 11.44%
30 Core capital (leverage) ratio 11.02% 10.88%
31 Tier 1 risk-based capital ratio 17.04% 19.04%

32 Total risk-based capital ratio 18.30% 20.30%