Page 10 - Golden Belt Bank

Golden Belt
Golden Belt Bank, Bank, FSA
Definition FSA Ellis, KS
Ellis, KS
December 31, 2017 December 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 4.31% 3.92%
4 Cost of funding earning assets 0.25% 0.35%
5 Net interest margin 4.06% 3.56%
6 Noninterest income to assets 0.99% 1.06%
7 Noninterest expense to assets 3.00% 2.69%
8 Loan and lease loss provision to assets 0 0.02%
9 Net operating income to assets 1.77% 1.67%
10 Return on assets (ROA) 1.89% 1.67%
11 Pretax return on assets 1.96% 1.74%
12 Return on equity (ROE) 12.99% 11.26%
13 Retained earnings to average equity (YTD only) -31.05% 5.13%
-0.16% -0.00%
14 Net charge-offs to loans and leases
15 Loan and lease loss provision to net charge-offs 0 -3,500.00%
16 Earnings coverage of net loan charge-offs (x) N/A N/A
17 Efficiency ratio 61.12% 60.50%
18 Assets per employee ($ millions) 5.14 4.48
19 Cash dividends to net income (YTD only) 338.95% 54.45%
Condition Ratios (%)
20 Earning assets to total assets 92.67% 95.41%
21 Loss allowance to loans and leases 0.98% 1.31%
22 Loss allowance to noncurrent loans and leases 105.26% 61.24%

23 Noncurrent assets plus other real estate owned to 0.66% 1.68%
assets
0.93% 2.13%
24 Noncurrent loans to loans
25 Net loans and leases to assets 70.45% 77.78%
26 Net loans and leases to deposits 81.76% 98.53%
27 Net loans and leases to core deposits 83.30% 99.50%
28 Domestic deposits to total assets 86.17% 78.94%
29 Equity capital to assets 12.04% 15.23%
30 Core capital (leverage) ratio 10.69% 13.86%
31 Tier 1 risk-based capital ratio 13.65% 15.82%
32 Total risk-based capital ratio 14.55% 17.00%
33 Common equity tier 1 capital ratio 13.65% 15.82%