• Reg F Update - header

Financial Highlights for Reg F Compliance

Financial Highlights for Reg F Compliance
  4th Quarter 2014 1st Quarter 2015 2nd Quarter 2015 3rd Quarter 2015
CAPITAL RATIOS
Common Equity Tier 1 Capital (%) - 11.82% 12.00% 10.81%
Tier I Risk Based Capital (%) 16.12% 12.95% 13.18% 11.99%
Total Risk Based Capital (%) 17.86% 14.50% 14.44% 13.21%
Leverage Ratio (%) 12.72% 10.57% 10.96% 9.96%
PROFITABILITY
Net Income (in thousands) YTD $257,368 ($64,490) ($1,164) $68,330
Return on Average Assets YTD 1.08% -1.03% -.01% .36%
Return on Average Equity YTD 8.18% -8.43%% -0.08% 3.05%
Net Interest Margin YTD 2.99% 2.86% 2.92% 2.91%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans 1.41% 1.36% 1.33% 1.23%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans 1.72% 1.66% 1.62% 1.54%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate 1.59% 1.54% 1.50% 1.38%
Loan Loss Reserve/Total Loans 1.43% 1.36% 1.30% 1.26%
Reserve Coverage of Nonperforming Loans 1.01x 1.00x 0.98x 1.02x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .30% .23% .21% .28%
AVERAGE BALANCE SHEET
Total Assets (in millions) $24,375 $25,383 $25,161 $25,083
Total Loans (in millions) $16,010 $16,259 $16,917 $16,757
Earning Assets (in millions) $22,514 $23,506 $23,266 $23,215
Deposits (in millions) $17,207 $18,354 $18,693 $19,151
Shareholders' Equity (in millions) $3,179 $3,104 $3,037 $2,838
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $9,492 $10,096 $11,159 $9,460
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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