Page 4 - Rawlings National Bank

Definition The Rawlins National The Rawlins
Bank National Bank
Rawlins, WY Rawlins, WY
September 30, 2018 September 30,
2017
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 4.14% 3.97%
4 Cost of funding earning assets 0.27% 0.22%
5 Net interest margin 3.87% 3.75%
6 Noninterest income to assets 0.43% 0.42%
7 Noninterest expense to assets 3.36% 3.07%
8 Loan and lease loss provision to assets 0.09% 0.10%
9 Net operating income to assets 0.55% 0.73%
10 Return on assets (ROA) 0.55% 0.75%
11 Pretax return on assets 0.55% 0.75%
12 Return on equity (ROE) 6.05% 8.44%
13 Retained earnings to average equity (YTD only) 3.57% 6.75%
-0.02% -0.01%
14 Net charge-offs to loans and leases
15 Loan and lease loss provision to net charge-offs -741.18% -2,250.00%
16 Earnings coverage of net loan charge-offs (x) N/A N/A
17 Efficiency ratio 84.00% 78.63%
18 Assets per employee ($ millions) 3.76 4.17
19 Cash dividends to net income (YTD only) 40.93% 19.94%
Condition Ratios (%)
20 Earning assets to total assets 91.86% 92.83%
21 Loss allowance to loans and leases 1.85% 1.79%
22 Loss allowance to noncurrent loans and leases 332.20% 175,900.00%
23 Noncurrent assets plus other real estate owned to assets 0.32% 0.00%
0.56% 0.00%
24 Noncurrent loans to loans
25 Net loans and leases to assets 57.40% 53.92%
26 Net loans and leases to deposits 63.50% 61.73%
27 Net loans and leases to core deposits 68.62% 66.73%
28 Domestic deposits to total assets 90.39% 87.35%
29 Equity capital to assets 9.03% 9.09%
30 Core capital (leverage) ratio 9.52% 9.14%
31 Tier 1 risk-based capital ratio 13.99% 14.19%
32 Total risk-based capital ratio 15.24% 15.44%
33 Common equity tier 1 capital ratio 13.99% 14.19%