Financial Highlights for Reg F Compliance
Please review the Financial Highlights for Reg F Compliance.
| 2nd Quarter 2025 | 3rd Quarter 2025 | 4th Quarter 2025 | 1st Quarter 2026 | |
|---|---|---|---|---|
| CAPITAL RATIOS | ||||
| Common Equity Tier 1 Capital (%) | 11.2829% | 11.3797% | 10.9763% | 11.2988% |
| Tier I Risk Based Capital (%) | 11.6987% | 11.7942% | 11.3842% | 11.7048% |
| Total Risk Based Capital (%) | 13.4732% | 13.5257% | 13.0390% | 13.3140% |
| Leverage Ratio (%) | 10.2981% | 10.4085% | 10.0892% | 10.4218% |
| PROFITABILITY | ||||
| Net Income (in thousands) YTD | $520,563 | $813,973 | $1,108,765 | $292,694 |
| Return on Average Assets YTD | 1.28% | 1.32% | 1.34% | 1.42% |
| Return on Average Equity YTD | 11.68% | 12.00% | 12.19% | 12.69% |
| Net Interest Margin YTD | 3.45% | 3.49% | 3.50% | 3.57% |
| ASSET QUALITY (Excludes Loans Held for Sale) | ||||
| Nonperforming Loans (incl. 90+ days past due)/Total Loans | .95% | .97% | .95% | .95% |
| Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans | 1.13% | 1.15% | 1.08% | 1.09% |
| Nonperforming Assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate | .96% | .98% | .96% | .95% |
| Loan Loss Reserve/Total Loans | 1.29% | 1.23% | 1.15% | 1.13% |
| Reserve Coverage of Nonperforming Loans | 1.36x | 1.27x | 1.21x | 1.20x |
| Net Charge-off Ratio (Annualized net charge-offs to average total loans) | .22% | .17% | .19% | .18% |
| AVERAGE BALANCE SHEET | ||||
| Total Assets (in millions)1 | $82,549 | $82,561 | $83,479 | $83,376 |
| Total Loans (in millions)1 | $63,062 | $63,248 | $63,953 | $63,679 |
| Earning Assets (in millions) | $76,921 | $76,995 | $77,873 | $77,683 |
| Deposits (in millions)1 | $65,653 | $66,576 | $67,160 | $66,750 |
| Shareholders' Equity (in millions) | $9,060 | $9,226 | $9,166 | $9,355 |
| GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) | $0 | $0 | $0 | $0 |
| Credit Rating | Moody's | Fitch |
|---|---|---|
| Long-term Issuer | Baa3 | BBB+ |
1 Quarter-to-date average balances
