Financial Highlights for Reg F Compliance

Please review the Financial Highlights for Reg F Compliance.

Click here to download chart.

4th Quarter 2016 1st Quarter 2017 2nd Quarter 2017 3rd Quarter 2017
CAPITAL RATIOS
Common Equity Tier 1 Capital (%) 9.80% 10.03% 9.57% 9.53%
Tier I Risk Based Capital (%) 10.83% 11.02% 10.51% 10.47%
Total Risk Based Capital (%) 11.78% 11.95% 11.38% 11.32%
Leverage Ratio (%) 9.16% 9.11% 9.05% 9.06%
PROFITABILITY
Net Income (in thousands) YTD $270,973 $65,886 $166,868 $246,351
Return on Average Assets YTD 1.00% .93% 1.17% 1.15%
Return on Average Equity YTD 9.23% 9.22% 11.54% 11.22%
Net Interest Margin YTD 2.96% 2.98% 3.03% 3.09%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans .86% .87% .76% .77%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans 1.08% 1.14% .92% 1.00%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate .92% .92% .80% .81%
Loan Loss Reserve/Total Loans 1.03% 1.05% .98% .96%
Reserve Coverage of Nonperforming Loans 1.19x 1.21x 1.29x 1.24x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) *NM *NM .06% .05%
AVERAGE BALANCE SHEET
Total Assets (in millions) $28,397 $28,638 $28,694 $28,684
Total Loans (in millions) $19,539 $18,922 $19,522 $20,383
Earning Assets (in millions) $26,386 $26,695 $26,660 $26,604
Deposits (in millions) $22,526 $23,068 $22,784 $22,380
Shareholders' Equity (in millions) $2,941 $2,898 $2,933 $2,974
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $5,002 $4,885 $4,863 $4,645

 

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

*NM = not meaningful

Business Financial Insight

Corporate financial insights light bulb

Get timely thinking on relevant corporate financial issues.

Learn More