Page 3 - Collegiate Peaks Bank

Collegiate Peaks
Collegiate Peaks Bank
Definition Bank Buena Vista, CO
Buena Vista, CO
December 31, 2016 December 31,
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 4.61% 4.48%
4 Cost of funding earning assets 0.21% 0.23%
5 Net interest margin 4.40% 4.24%
6 Noninterest income to assets 0.18% 0.17%
7 Noninterest expense to assets 2.35% 2.38%
8 Loan and lease loss provision to assets 0.18% 0.09%
9 Net operating income to assets 1.18% 1.10%
10 Return on assets (ROA) 1.18% 1.10%
11 Pretax return on assets 1.81% 1.69%
12 Return on equity (ROE) 10.62% 10.84%
13 Retained earnings to average equity (YTD only) 10.62% 10.84%
0.03% 0.04%
14 Net charge-offs to loans and leases
15 Loan and lease loss provision to net charge-offs 876.40% 333.33%
16 Earnings coverage of net loan charge-offs (x) 97.81 67.44
17 Efficiency ratio 53.93% 56.71%
18 Assets per employee ($ millions) 6.68 6.27
19 Cash dividends to net income (YTD only) 0 0

Condition Ratios (%)
20 Earning assets to total assets 94.28% 95.10%
21 Loss allowance to loans and leases 1.25% 1.24%
22 Loss allowance to noncurrent loans and leases 576.10% 655.67%
23 Noncurrent assets plus other real estate owned to assets 0.14% 0.11%
0.22% 0.19%
24 Noncurrent loans to loans
25 Net loans and leases to assets 62.87% 57.90%
26 Net loans and leases to deposits 72.86% 66.70%
27 Net loans and leases to core deposits 75.68% 69.32%
28 Domestic deposits to total assets 86.29% 86.81%
29 Equity capital to assets 10.48% 9.84%
30 Core capital (leverage) ratio 10.73% 8.81%
31 Tier 1 risk-based capital ratio 13.77% 13.00%
32 Total risk-based capital ratio 14.94% 14.15%