Financial Highlights for Reg F Compliance

Please review the Financial Highlights for Reg F Compliance.

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1st Quarter 2018 2nd Quarter 2018 3rd Quarter 2018 4th Quarter 2018
CAPITAL RATIOS
Common Equity Tier 1 Capital (%) 9.53% 9.47% 10.10% 9.82%
Tier I Risk Based Capital (%) 10.43% 10.36% 11.01% 10.73%
Total Risk Based Capital (%) 11.04% 10.98% 11.63% 11.33%
Leverage Ratio (%) 8.87% 8.895% 9.39% 9.11%
PROFITABILITY
Net Income (in thousands) YTD $109,950 $193,655 $485,472 $602,404
Return on Average Assets YTD 1.11% .97% 1.62% 1.50%
Return on Average Equity YTD 9.02% 7.92% 13.16% 12.19%
Net Interest Margin YTD 3.53% 3.58% 3.57% 3.55%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans .64% .586% .69% .65%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans .78% .76% .88% .81%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate .76% .67% .78% .74%
Loan Loss Reserve/Total Loans .68% .67% .68% .65%
Reserve Coverage of Nonperforming Loans 1.06x 1.15x 0.99x 1.00x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .02% .03% .02% .17%
AVERAGE BALANCE SHEET
Total Assets (in millions) $40,223 $49,091 $40,011 $40,276
Total Loans (in millions) $27,779 $28,026 $28,074 $27,869
Earning Assets (in millions) $35,918 $35,803 $35,738 $36,044
Deposits (in millions) $30,443 $30,928 $31,146 $32,200
Shareholders' Equity (in millions) $4,942 $4,926 $4,927 $4,969
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $3,340 $3,255 $2,903 $2,903

 

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

*NM = not meaningful


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