Financial Highlights for Reg F Compliance

Please review the Financial Highlights for Reg F Compliance.

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1st Quarter 2020 2nd Quarter 2020 3rd Quarter 2020 4th Quarter 2020
CAPITAL RATIOS
Common Equity Tier 1 Capital (%) 8.6990% 9.8406% 9.8262% 10.4585%
Tier I Risk Based Capital (%) 9.4422% 10.6366% 10.2884% 10.9302%
Total Risk Based Capital (%) 10.3679% 13.0549% 11.8812% 12.5208%
Leverage Ratio (%) 8.9972% 8.5436% 8.2498% 8.3617%
PROFITABILITY
Net Income (in thousands) YTD $31,378 $102,952 $663,928 $927,874
Return on Average Assets YTD .29% .46% 1.54% 1.45%
Return on Average Equity YTD 2.40% 3.90% 14.18% 13.69%
Net Interest Margin YTD 3.23% 3.10% 3.01% 2.94%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans .61% .74% .77% .69%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans .76% .82% .90% .86%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate .65% .78% .80% .72%
Loan Loss Reserve/Total Loans 1.33% 1.64% 1.65% 1.65%
Reserve Coverage of Nonperforming Loans 2.18x 2.24x 2.14x 2.39x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .10% .20% .44% .26%
AVERAGE BALANCE SHEET
Total Assets (in millions) $43,285 $47,606 $81,162 $83,342
Total Loans (in millions) $31,115 $34,699 $61,106 $60,854
Earning Assets (in millions) $38,842 $42,812 $75,126 $77,111
Deposits (in millions) $33,258 $38,234 $68,513 $70,749
Shareholders' Equity (in millions) $5,252 $5,353 $  8,133 $  8,337
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $1.956 $1.956 $1.956 $1.956

 

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

*NM = not meaningful


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