Financial Highlights for Reg F Compliance

Please review the Financial Highlights for Reg F Compliance.

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4th Quarter 2017 1st Quarter 2018 2nd Quarter 2018 3rd Quarter 2018
CAPITAL RATIOS
Common Equity Tier 1 Capital (%) 9.28% 9.53% 9.47% 10.10%
Tier I Risk Based Capital (%) 10.12% 10.43% 10.36% 11.01%
Total Risk Based Capital (%) 10.74% 11.04% 10.98% 11.63%
Leverage Ratio (%) 10.70% 8.87% 8.895% 9.39%
PROFITABILITY
Net Income (in thousands) YTD $237,209 $109,950 $193,655 $485,472
Return on Average Assets YTD 0.80% 1.11% .97% 1.62%
Return on Average Equity YTD 7.62% 9.02% 7.92% 13.16%
Net Interest Margin YTD 3.14% 3.53% 3.58% 3.57%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans .62% .64% .586% .69%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans 0.81% .78% .76% .88%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate .76% .76% .67% .78%
Loan Loss Reserve/Total Loans .68% .68% .67% .68%
Reserve Coverage of Nonperforming Loans 1.10x 1.06x 1.15x 0.99x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .15% .02% .03% .02%
AVERAGE BALANCE SHEET
Total Assets (in millions) $32,920 $40,223 $49,091 $40,011
Total Loans (in millions) $23,022 $27,779 $28,026 $28,074
Earning Assets (in millions) $30,085 $35,918 $35,803 $35,738
Deposits (in millions) $25,244 $30,443 $30,928 $31,146
Shareholders' Equity (in millions) $3,646 $4,942 $4,926 $4,927
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $3,817 $3,340 $3,255 $2,903

 

Credit Rating Moody's Fitch
Long-term Issuer A3 BBB-
Short-term/Commercial Paper P-2 F3
Certificate of Deposit A3 BBB

*NM = not meaningful


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