Financial Highlights for Reg F Compliance

Please review the Financial Highlights for Reg F Compliance.

	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