Page 3 - TBK Bank

TBK BANK, SSB
TBK BANK, SSB
Dallas, TX
Definition Dallas, TX December 31,
December 31, 2016 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 6.65% 7.27%
4 Cost of funding earning assets 0.53% 0.52%
5 Net interest margin 6.12% 6.75%
6 Noninterest income to assets 0.56% 0.74%
7 Noninterest expense to assets 4.22% 4.64%
8 Loan and lease loss provision to assets 0.33% 0.30%
9 Net operating income to assets 1.02% 1.20%
10 Return on assets (ROA) 1.02% 1.21%
11 Pretax return on assets 1.64% 1.92%
12 Return on equity (ROE) 8.13% 8.71%
13 Retained earnings to average equity (YTD only) 8.13% 8.71%
0.24% 0.07%
14 Net charge-offs to loans and leases
15 Loan and lease loss provision to net charge-offs 173.62% 562.61%
16 Earnings coverage of net loan charge-offs (x) 10.33 40.79
17 Efficiency ratio 65.78% 65.13%
18 Assets per employee ($ millions) 3.78 3.33
19 Cash dividends to net income (YTD only) 0 0
Condition Ratios (%)

20 Earning assets to total assets 91.68% 91.74%
21 Loss allowance to loans and leases 0.76% 0.99%
22 Loss allowance to noncurrent loans and leases 36.99% 113.34%
23 Noncurrent assets plus other real estate owned to assets 1.79% 0.94%
2.06% 0.87%
24 Noncurrent loans to loans
25 Net loans and leases to assets 77.24% 77.93%
26 Net loans and leases to deposits 99.07% 100.80%
27 Net loans and leases to core deposits 109.81% 113.94%
28 Domestic deposits to total assets 77.96% 77.31%
29 Equity capital to assets 12.32% 13.43%
30 Core capital (leverage) ratio 11.02% 12.67%
31 Tier 1 risk-based capital ratio 12.23% 13.82%
32 Total risk-based capital ratio 12.92% 14.73%