Financial Highlights for Reg F Compliance

Please review the Financial Highlights for Reg F Compliance.

Click here to download chart.

2nd Quarter 2017 3rd Quarter 2017 4th Quarter 2017 1st Quarter 2018
CAPITAL RATIOS
Common Equity Tier 1 Capital (%) 9.57% 9.53% 9.28% 9.53%
Tier I Risk Based Capital (%) 10.51% 10.47% 10.12% 10.43%
Total Risk Based Capital (%) 11.38% 11.32% 10.74% 11.04%
Leverage Ratio (%) 9.05% 9.06% 10.70% 8.87%
PROFITABILITY
Net Income (in thousands) YTD $166,868 $246,351 $237,209 $109,950
Return on Average Assets YTD 1.17% 1.15% 0.80% 1.11%
Return on Average Equity YTD 11.54% 11.22% 7.62% 9.02%
Net Interest Margin YTD 3.03% 3.09% 3.14% 3.51%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans .76% .77% .62% .64%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans .92% 1.00% 0.81% .78%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate .80% .81% .76% .76%
Loan Loss Reserve/Total Loans .98% .96% .68% .68%
Reserve Coverage of Nonperforming Loans 1.29x 1.24x 1.10x 1.06x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .06% .05% .15% .02%
AVERAGE BALANCE SHEET
Total Assets (in millions) $28,694 $28,684 $32,920 $40,223
Total Loans (in millions) $19,522 $20,383 $23,022 $27,779
Earning Assets (in millions) $26,660 $26,604 $30,085 $36,155
Deposits (in millions) $22,784 $22,380 $25,244 $30,443
Shareholders' Equity (in millions) $2,933 $2,974 $3,646 $4,942
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $4,863 $4,645 $3,817 $3,340

 

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


Business Financial Insight

Corporate financial insights light bulb

Get timely thinking on relevant corporate financial issues.

Learn More