• Reg F Update - header

Financial Highlights for Reg F Compliance

Financial Highlights for Reg F Compliance
  4th Quarter 2015 1st Quarter 2016 2nd Quarter 2016 3rd Quarter 2016
CAPITAL RATIOS
Common Equity Tier 1 Capital (%) 10.81% 10.84% 10.14% 9.78%
Tier I Risk Based Capital (%) 11.95% 11.96% 11.20% 10.80%
Total Risk Based Capital (%) 13.09% 13.03% 12.21% 11.76%
Leverage Ratio (%) 10.06% 9.88% 9.55% 9.43%
PROFITABILITY
Net Income (in thousands) YTD $128,603 $60,241 $128,532 $204,343
Return on Average Assets YTD .51% .92% .97% 1.02%
Return on Average Equity YTD 4.32% 8.19% 8.79% 9.30%
Net Interest Margin YTD 2.90% 2.93% 2.93% 2.95%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans 1.14% 1.21% 1.06% .89%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans 1.43% 1.64% 1.27% 1.10%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate 1.28% 1.31% 1.13% .96%
Loan Loss Reserve/Total Loans 1.18% 1.16% 1.07% 1.03%
Reserve Coverage of Nonperforming Loans 1.03x 0.95x 1.01x 1.15x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .04% .21% .19% .05%
AVERAGE BALANCE SHEET
Total Assets (in millions) $25,940 $26,388 $26,581 $27,330
Total Loans (in millions) $17,063 $17,414 $17,924 $18,810
Earning Assets (in millions) $23,967 $24,438 $24,618 $25,339
Deposits (in millions) $19,789 $20,072 $20,440 $21,327
Shareholders' Equity (in millions) $2,921 $2,948 $2,914 $2,937
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $8,086 $7,061 $5,903 $5,267
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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