Financial Highlights for Reg F Compliance

Please review the Financial Highlights for Reg F Compliance.

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2nd Quarter 2018 3rd Quarter 2018 4th Quarter 2018 1st Quarter 2019
CAPITAL RATIOS
Common Equity Tier 1 Capital (%) 9.47% 10.10% 9.82% 9.68%
Tier I Risk Based Capital (%) 10.36% 11.01% 10.73% 10.57%
Total Risk Based Capital (%) 10.98% 11.63% 11.33% 11.17%
Leverage Ratio (%) 8.895% 9.39% 9.11% 9.00%
PROFITABILITY
Net Income (in thousands) YTD $193,655 $485,472 $602,404 $118,437
Return on Average Assets YTD .97% 1.62% 1.50% 1.18%
Return on Average Equity YTD 7.92% 13.16% 12.19% 9.53%
Net Interest Margin YTD 3.58% 3.57% 3.55% 3.42%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans .586% .69% .65% .74%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans .76% .88% .81% .88%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate .67% .78% .74% .81%
Loan Loss Reserve/Total Loans .67% .68% .65% .66%
Reserve Coverage of Nonperforming Loans 1.15x 0.99x 1.00x 0.89x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .03% .02% .17% .07%
AVERAGE BALANCE SHEET
Total Assets (in millions) $49,091 $40,011 $40,276 $40,781
Total Loans (in millions) $28,026 $28,074 $27,869 $27,983
Earning Assets (in millions) $35,803 $35,738 $36,044 $36,426
Deposits (in millions) $30,928 $31,146 $32,200 $32,863
Shareholders' Equity (in millions) $4,926 $4,927 $4,969 $5,039
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $3,255 $2,903 $2,903 $2,721

 

Credit Rating Moody's Fitch
Long-term Issuer Baa3 BBB

*NM = not meaningful


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