• Reg F Update - header

Financial Highlights for Reg F Compliance

Financial Highlights for Reg F Compliance
  2nd Quarter 2015 3rd Quarter 2015 4th Quarter 2015 1st Quarter 2016
CAPITAL RATIOS
Common Equity Tier 1 Capital (%) 12.00% 10.81% 10.81% 10.84%
Tier I Risk Based Capital (%) 13.18% 11.99% 11.95% 11.96%
Total Risk Based Capital (%) 14.44% 13.21% 13.09% 13.03%
Leverage Ratio (%) 10.96% 9.96% 10.06% 9.88%
PROFITABILITY
Net Income (in thousands) YTD ($1,164) $68,330 $128,603 $60,241
Return on Average Assets YTD -.01% .36% .51% .92%
Return on Average Equity YTD -0.08% 3.05% 4.32% 8.19%
Net Interest Margin YTD 2.92% 2.91% 2.90% 2.93%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans 1.33% 1.23% 1.14% 1.21%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans 1.62% 1.54% 1.43% 1.64%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate 1.50% 1.38% 1.28% 1.31%
Loan Loss Reserve/Total Loans 1.30% 1.26% 1.18% 1.16%
Reserve Coverage of Nonperforming Loans 0.98x 1.02x 1.03x 0.95x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .21% .28% .04% .21%
AVERAGE BALANCE SHEET
Total Assets (in millions) $25,161 $25,083 $25,940 $26,388
Total Loans (in millions) $16,917 $16,757 $17,063 $17,414
Earning Assets (in millions) $23,266 $23,215 $23,967 $24,438
Deposits (in millions) $18,693 $19,151 $19,789 $20,072
Shareholders' Equity (in millions) $3,037 $2,838 $2,921 $2,948
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $11,159 $9,460 $8,086 $7,061
Credit Rating S&P Moody's Fitch
Long-term Issuer BBB- A3 BBB-
Short-term/Commercial Paper A-3 P-2 F3
Certificate of Deposit - A3 BBB
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