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Financial Highlights for Reg F Compliance

Please review the Financial Highlights for Reg F Compliance.

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2nd Quarter 2022 3rd Quarter 2022 4th Quarter 2022 1st Quarter 2023
CAPITAL RATIOS
Common Equity Tier 1 Capital (%) 10.4669% 10.5515% 10.7744% 10.9424%
Tier I Risk Based Capital (%) 10.9096% 10.9846% 11.2034% 11.3693%
Total Risk Based Capital (%) 12.0572% 12.1786% 12.4141% 12.6678%
Leverage Ratio (%) 8.5468% 9.1887% 9.7561% 10.0523%
PROFITABILITY
Net Income (in thousands) YTD $420,586 $702,045 $1,008,390 $284,951
Return on Average Assets YTD 0.97% 1.09% 1.19% 1.45%
Return on Average Equity YTD 10.12% 11.25% 12.20% 13.92%
Net Interest Margin YTD 2.58% 2.87% 3.11% 3.89%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans .56% .55% .60% .74%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans .75% .74% .78% .87%
Nonperforming Assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate .57% .56% .61% .75%
Loan Loss Reserve/Total Loans 1.10% 1.16% 1.18% 1.21%
Reserve Coverage of Nonperforming Loans 1.96x 2.10x 1.96x 1.64x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .09% .08% .11% .11%
AVERAGE BALANCE SHEET
Total Assets (in millions) $86,758 $83,084 $80,587 $79,784
Total Loans (in millions) $56,612 $57,313 $58,169 $58,681
Earning Assets (in millions) $80,555 $76,904 $74,286 $73,427
Deposits (in millions) $73,263 $69,444 $66,192 $63,574
Shareholders' Equity (in millions) $8,211 $8,265 $8,020 $8,305
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $768 $768 $154 $154

 

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