Financial Highlights for Reg F Compliance

Please review the Financial Highlights for Reg F Compliance.

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3rd Quarter 2017 4th Quarter 2017 1st Quarter 2018 2nd Quarter 2018
CAPITAL RATIOS
Common Equity Tier 1 Capital (%) 9.53% 9.28% 9.53% 9.47%
Tier I Risk Based Capital (%) 10.47% 10.12% 10.43% 10.36%
Total Risk Based Capital (%) 11.32% 10.74% 11.04% 10.98%
Leverage Ratio (%) 9.06% 10.70% 8.87% 8.895%
PROFITABILITY
Net Income (in thousands) YTD $246,351 $237,209 $109,950 $193,655
Return on Average Assets YTD 1.15% 0.80% 1.11% .97%
Return on Average Equity YTD 11.22% 7.62% 9.02% 7.92%
Net Interest Margin YTD 3.09% 3.14% 3.51% 3.56%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans .77% .62% .64% .586%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans 1.00% 0.81% .78% .76%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate .81% .76% .76% .67%
Loan Loss Reserve/Total Loans .96% .68% .68% .67%
Reserve Coverage of Nonperforming Loans 1.24x 1.10x 1.06x 1.15x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .05% .15% .02% .03%
AVERAGE BALANCE SHEET
Total Assets (in millions) $28,684 $32,920 $40,223 $49,091
Total Loans (in millions) $20,383 $23,022 $27,779 $28,026
Earning Assets (in millions) $26,604 $30,085 $36,155 $36,036
Deposits (in millions) $22,380 $25,244 $30,443 $30,928
Shareholders' Equity (in millions) $2,974 $3,646 $4,942 $4,926
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $4,645 $3,817 $3,340 $3,255

 

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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