• Reg F Update - header

Financial Highlights for Reg F Compliance

Financial Highlights for Reg F Compliance
  3rd Quarter 2015 4th Quarter 2015 1st Quarter 2016 2nd Quarter 2016
CAPITAL RATIOS
Common Equity Tier 1 Capital (%) 10.81% 10.81% 10.84% 10.14%
Tier I Risk Based Capital (%) 11.99% 11.95% 11.96% 11.20%
Total Risk Based Capital (%) 13.21% 13.09% 13.03% 12.21%
Leverage Ratio (%) 9.96% 10.06% 9.88% 9.55%
PROFITABILITY
Net Income (in thousands) YTD $68,330 $128,603 $60,241 $128,532
Return on Average Assets YTD .36% .51% .92% .97%
Return on Average Equity YTD 3.05% 4.32% 8.19% 8.79%
Net Interest Margin YTD 2.91% 2.90% 2.93% 2.93%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans 1.23% 1.14% 1.21% 1.06%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans 1.54% 1.43% 1.64% 1.27%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate 1.38% 1.28% 1.31% 1.13%
Loan Loss Reserve/Total Loans 1.26% 1.18% 1.16% 1.07%
Reserve Coverage of Nonperforming Loans 1.02x 1.03x 0.95x 1.01x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .28% .04% .21% .19%
AVERAGE BALANCE SHEET
Total Assets (in millions) $25,083 $25,940 $26,388 $26,581
Total Loans (in millions) $16,757 $17,063 $17,414 $17,924
Earning Assets (in millions) $23,215 $23,967 $24,438 $24,618
Deposits (in millions) $19,151 $19,789 $20,072 $20,440
Shareholders' Equity (in millions) $2,838 $2,921 $2,948 $2,914
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $9,460 $8,086 $7,061 $5,903
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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