Financial Highlights for Reg F Compliance

Please review the Financial Highlights for Reg F Compliance.

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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


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