• Reg F Update - header

Financial Highlights for Reg F Compliance

Financial Highlights for Reg F Compliance
  1st Quarter 2014 2nd Quarter 2014 3rd Quarter 2014 4th Quarter 2014
CAPITAL RATIOS
Total Risk Based Capital (%) 18.63% 18.26% 18.34% 17.86%
Tier I Risk Based Capital (%) 16.59% 16.50% 16.57% 16.12%
Leverage Ratio (%) 12.99% 13.56% 13.41% 12.72%
PROFITABILITY
Net Income (in thousands) YTD $51,785 $140,570 $198,672 $257,368
Return on Average Assets YTD .89% 1.20% 1.13% 1.08%
Return on Average Equity YTD 6.80% 9.10% 8.47% 8.18%
Net Interest Margin YTD 2.99% 3.01% 3.02% 2.99%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans 1.77% 1.66% 1.53% 1.41%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans 2.29% 2.05% 1.90% 1.72%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate 2.04% 1.90% 1.75% 1.59%
Loan Loss Reserve/Total Loans 1.63% 1.54% 1.50% 1.43%
Reserve Coverage of Nonperforming Loans .92x .92x .98x 1.01x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .45% .22% .28% .30%
AVERAGE BALANCE SHEET
Total Assets (in millions) $23,690 $23,428 $23,569 $24,375
Total Loans (in millions) $15,424 $15,735 $16,079 $16,010
Earning Assets (in millions) $21,720 $21,561 $21,746 $22,514
Deposits (in millions) $16,607 $16,208 $15,983 $17,207
Shareholders' Equity (in millions) $3,089 $3,138 $3,180 $3,179
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $23,065 $18,771 $12,735 $9,492
Credit Rating S&P Moody's Fitch
Long-term Issuer BBB- Baa2 BBB-
Short-term/Commercial Paper A-3 P-2 F3
Certificate of Deposit - Baa2 BBB
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