Financial Highlights for Reg F Compliance

Please review the Financial Highlights for Reg F Compliance.

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2nd Quarter 2016 3rd Quarter 2016 4th Quarter 2016 1st Quarter 2017
CAPITAL RATIOS
Common Equity Tier 1 Capital (%) 10.14% 9.78% 9.80% 10.03%
Tier I Risk Based Capital (%) 11.20% 10.80% 10.83% 11.02%
Total Risk Based Capital (%) 12.21% 11.76% 11.78% 11.95%
Leverage Ratio (%) 9.55% 9.43% 9.16% 9.11%
PROFITABILITY
Net Income (in thousands) YTD $128,532 $204,343 $270,973 $65,886
Return on Average Assets YTD .97% 1.02% 1.00% .93%
Return on Average Equity YTD 8.79% 9.30% 9.23% 9.22%
Net Interest Margin YTD 2.93% 2.95% 2.96% 2.98%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans 1.06% .89% .86% .87%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans 1.27% 1.10% 1.08% 1.14%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate 1.13% .96% .92% .92%
Loan Loss Reserve/Total Loans 1.07% 1.03% 1.03% 1.05%
Reserve Coverage of Nonperforming Loans 1.01x 1.15x 1.19x 1.21x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .19% .05% *NM *NM
AVERAGE BALANCE SHEET
Total Assets (in millions) $26,581 $27,330 $28,397 $28,638
Total Loans (in millions) $17,924 $18,810 $19,539 $18,922
Earning Assets (in millions) $24,618 $25,339 $26,386 $26,695
Deposits (in millions) $20,440 $21,327 $22,526 $23,068
Shareholders' Equity (in millions) $2,914 $2,937 $2,941 $2,898
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $5,903 $5,267 $5,002 $4,885

 

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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