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Financial Highlights for Reg F Compliance

Please review the Financial Highlights for Reg F Compliance.

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4th Quarter 2021 1st Quarter 2022 2nd Quarter 2022 3rd Quarter 2022
CAPITAL RATIOS
Common Equity Tier 1 Capital (%) 10.7519% 10.6377% 10.4669% 10.5515%
Tier I Risk Based Capital (%) 11.2155% 11.0954% 10.9096% 10.9846%
Total Risk Based Capital (%) 12.4107% 12.2550% 12.0572% 12.1786%
Leverage Ratio (%) 8.2035% 8.2443%
8.5468%
9.1887%
PROFITABILITY
Net Income (in thousands) YTD $1,112,820 $217,555 $420,586 $702,045
Return on Average Assets YTD 1.28% 1.00% 0.97% 1.09%
Return on Average Equity YTD 12.97% 10.31% 10.12% 11.25%
Net Interest Margin YTD 2.52% 2.42% 2.58% 2.87%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans .57% .65% .56% .55%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans .77% .97% .75% .74%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate .58% .65% .57% .56%
Loan Loss Reserve/Total Loans 1.22% 1.13% 1.10% 1.16%
Reserve Coverage of Nonperforming Loans 2.13x 1.75x 1.96x 2.10x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .01% .07% .09% .08%
AVERAGE BALANCE SHEET
Total Assets (in millions) $88,698 $88,444 $86,758 $83,084
Total Loans (in millions) $55,941 $55,247 $56,612 $57,313
Earning Assets (in millions) $82,619 $82,420 $80,555 $76,904
Deposits (in millions) $75,386 $75,136 $73,263 $69,444
Shareholders' Equity (in millions) $8,663 $8,559 $8,211 $8,265
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $1,190 $1,104 $768 $768

 

Credit Rating Moody's Fitch
Long-term Issuer Baa3 BBB

*NM = not meaningful