Financial Highlights for Reg F Compliance

Please review the Financial Highlights for Reg F Compliance.

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3rd Quarter 2016 4th Quarter 2016 1st Quarter 2017 2nd Quarter 2017
CAPITAL RATIOS
Common Equity Tier 1 Capital (%) 9.78% 9.80% 10.03% 9.57%
Tier I Risk Based Capital (%) 10.80% 10.83% 11.02% 10.51%
Total Risk Based Capital (%) 11.76% 11.78% 11.95% 11.38%
Leverage Ratio (%) 9.43% 9.16% 9.11% 9.05%
PROFITABILITY
Net Income (in thousands) YTD $204,343 $270,973 $65,886 $166,868
Return on Average Assets YTD 1.02% 1.00% .93% 1.17%
Return on Average Equity YTD 9.30% 9.23% 9.22% 11.54%
Net Interest Margin YTD 2.95% 2.96% 2.98% 3.03%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans .89% .86% .87% .76%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans 1.10% 1.08% 1.14% .92%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate .96% .92% .92% .80%
Loan Loss Reserve/Total Loans 1.03% 1.03% 1.05% .98%
Reserve Coverage of Nonperforming Loans 1.15x 1.19x 1.21x 1.29x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .05% *NM *NM .06%
AVERAGE BALANCE SHEET
Total Assets (in millions) $27,330 $28,397 $28,638 $28,694
Total Loans (in millions) $18,810 $19,539 $18,922 $19,522
Earning Assets (in millions) $25,339 $26,386 $26,695 $26,660
Deposits (in millions) $21,327 $22,526 $23,068 $22,784
Shareholders' Equity (in millions) $2,937 $2,941 $2,898 $2,933
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $5,267 $5,002 $4,885 $4,863

 

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

 

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