Financial Highlights for Reg F Compliance
Please review the Financial Highlights for Reg F Compliance.
| 4th Quarter 2018 | 1st Quarter 2019 | 2nd Quarter 2019 | 3rd Quarter 2019 | |
|---|---|---|---|---|
| CAPITAL RATIOS | ||||
| Common Equity Tier 1 Capital (%) | 9.82% | 9.68% | 9.44% | 9.29% |
| Tier I Risk Based Capital (%) | 10.73% | 10.57% | 10.28% | 10.10% |
| Total Risk Based Capital (%) | 11.33% | 11.17% | 10.88% | 10.67% |
| Leverage Ratio (%) | 9.11% | 9.00% | 9.14% | 9.25% |
| PROFITABILITY | ||||
| Net Income (in thousands) YTD | $602,404 | $118,437 | $247,760 | $378,258 |
| Return on Average Assets YTD | 1.50% | 1.18% | 1.22% | 1.23% |
| Return on Average Equity YTD | 12.19% | 9.53% | 9.86% | 9.88% |
| Net Interest Margin YTD | 3.55% | 3.42% | 3.43% | 3.39% |
| ASSET QUALITY (Excludes Loans Held for Sale) | ||||
| Nonperforming Loans (incl. 90+ days past due)/Total Loans | .65% | .74% | .77% | .62% |
| Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans | .81% | .88% | .89% | .78% |
| Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate | .74% | .81% | .82% | .68% |
| Loan Loss Reserve/Total Loans | .65% | .66% | .65% | .61% |
| Reserve Coverage of Nonperforming Loans | 1.00x | 0.89x | 0.84x | 0.99x |
| Net Charge-off Ratio (Annualized net charge-offs to average total loans) | .17% | .07% | .07% | .19% |
| AVERAGE BALANCE SHEET | ||||
| Total Assets (in millions) | $40,276 | $40,781 | $41,088 | $41,718 |
| Total Loans (in millions) | $27,869 | $27,983 | $29,278 | $30,471 |
| Earning Assets (in millions) | $36,044 | $36,426 | $36,803 | $37,453 |
| Deposits (in millions) | $32,200 | $32,863 | $32,350 | $32,740 |
| Shareholders' Equity (in millions) | $4,969 | $5,039 | $5,099 | $5,213 |
| GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) | $2,903 | $2,721 | $2,693 | $2,365 |
| Credit Rating | Moody's | Fitch |
|---|---|---|
| Long-term Issuer | Baa3 | BBB |
*NM = not meaningful
