Financial Highlights for Reg F Compliance

Please review the Financial Highlights for Reg F Compliance.

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4th Quarter 2019 1st Quarter 2020 2nd Quarter 2020 3rd Quarter 2020
CAPITAL RATIOS
Common Equity Tier 1 Capital (%) 9.38% 8.6990% 9.8406% 9.8262%
Tier I Risk Based Capital (%) 10.18% 9.4422% 10.6366% 10.2884%
Total Risk Based Capital (%) 10.77% 10.3679% 13.0549% 11.8812%
Leverage Ratio (%) 9.12% 8.9972% 8.5436% 8.2498%
PROFITABILITY
Net Income (in thousands) YTD $516,722 $31,378 $102,952 $663,928
Return on Average Assets YTD 1.24% .29% .46% 1.54%
Return on Average Equity YTD 10.01% 2.40% 3.90% 14.18%
Net Interest Margin YTD 3.38% 3.23% 3.10% 3.01%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans .59% .61% .74% .77%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans .71% .76% .82% .90%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate .64% .65% .78% .80%
Loan Loss Reserve/Total Loans .64% 1.33% 1.64% 1.65%
Reserve Coverage of Nonperforming Loans 1.09x 2.18x 2.24x 2.14x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .04% .10% .20% .14%
AVERAGE BALANCE SHEET
Total Assets (in millions) $42,656 $43,285 $47,606 $81,162
Total Loans (in millions) $31,289 $31,115 $34,699 $61,106
Earning Assets (in millions) $38,304 $38,842 $42,812 $75,126
Deposits (in millions) $33,141 $33,258 $38,234 $68,513
Shareholders' Equity (in millions) $5,296 $5,252 $5,353 $  8,133
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $2,178 $1.956 $1.956 $1.956

 

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

*NM = not meaningful


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