Page 3 - Golden Belt Bank

Morgan Federal
Morgan Federal Bank
Definition Bank Fort Morgan, CO
Fort Morgan, CO
September 30, 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 3.46% 3.30%
4 Cost of funding earning assets 0.52% 0.50%
5 Net interest margin 2.94% 2.79%
6 Noninterest income to assets 0.78% 1.23%
7 Noninterest expense to assets 5.05% 3.09%
8 Loan and lease loss provision to assets 0 0.00%
9 Net operating income to assets -1.29% 0.65%
10 Return on assets (ROA) -1.11% 0.68%
11 Pretax return on assets -1.33% 0.76%
12 Return on equity (ROE) -10.16% 6.31%
13 Retained earnings to average equity (YTD only) -14.67% 3.11%
0 0.00%
14 Net charge-offs to loans and leases
15 Loan and lease loss provision to net charge-offs N/A 100.00%
16 Earnings coverage of net loan charge-offs (x) N/A 422.50
17 Efficiency ratio 142.79% 79.98%
18 Assets per employee ($ millions) 4.25 4.36
19 Cash dividends to net income (YTD only) -44.32% 50.63%
Condition Ratios (%)
20 Earning assets to total assets 92.63% 92.78%
21 Loss allowance to loans and leases 0.70% 0.69%
22 Loss allowance to noncurrent loans and leases 36,500.00% 640.35%
23 Noncurrent assets plus other real estate owned to assets 0.00% 0.05%
0.00% 0.11%
24 Noncurrent loans to loans
25 Net loans and leases to assets 48.41% 46.03%
26 Net loans and leases to deposits 56.08% 53.77%
27 Net loans and leases to core deposits 58.90% 64.53%
28 Domestic deposits to total assets 86.33% 85.60%
29 Equity capital to assets 10.53% 10.85%
30 Core capital (leverage) ratio 9.80% 10.76%
31 Tier 1 risk-based capital ratio 18.13% 17.90%
32 Total risk-based capital ratio 18.73% 18.43%
33 Common equity tier 1 capital ratio 18.13% 17.90%