Financial Highlights for Reg F Compliance
Please review the Financial Highlights for Reg F Compliance.
| 4th Quarter 2020 | 1st Quarter 2021 | 2nd Quarter 2021 | 3rd Quarter 2021 | |
|---|---|---|---|---|
| CAPITAL RATIOS | ||||
| Common Equity Tier 1 Capital (%) | 10.4585% | 10.7219% | 10.9754% | 10.9275% |
| Tier I Risk Based Capital (%) | 10.9302% | 11.2005% | 11.4556% | 11.4001% |
| Total Risk Based Capital (%) | 12.5208% | 12.7498% | 12.8818% | 12.6979% |
| Leverage Ratio (%) | 8.3617% | 8.2899% | 8.2256% | 8.2420% |
| PROFITABILITY | ||||
| Net Income (in thousands) YTD | $927,874 | $257,512 | $587,258 | $858,158 |
| Return on Average Assets YTD | 1.45% | 1.23% | 1.38% | 1.32% |
| Return on Average Equity YTD | 13.69% | 12.32% | 13.94% | 13.42% |
| Net Interest Margin YTD | 2.94% | 2.69% | 2.62% | 2.56% |
| ASSET QUALITY (Excludes Loans Held for Sale) | ||||
| Nonperforming Loans (incl. 90+ days past due)/Total Loans | 1.23% | .69% | .63% | .65% |
| Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans | 1.54% | .83% | .78% | .80% |
| Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate | 1.28% | .71% | .65% | .67% |
| Loan Loss Reserve/Total Loans | 1.64% | 1.56% | 1.44% | 1.32% |
| Reserve Coverage of Nonperforming Loans | 1.34x | 2.25x | 2.28x | 2.02x |
| Net Charge-off Ratio (Annualized net charge-offs to average total loans) | .26% | .06% | .07% | .02% |
| AVERAGE BALANCE SHEET | ||||
| Total Assets (in millions) | $83,342 | $84,890 | $87,191 | $87,991 |
| Total Loans (in millions) | $60,854 | $59,069 | $56,828 | $56,506 |
| Earning Assets (in millions) | $77,111 | $78,758 | $80,368 | $81,875 |
| Deposits (in millions) | $70,749 | $71,857 | $74,140 | $74,645 |
| Shareholders' Equity (in millions) | $8,337 | $8,474 | $8,521 | $8,659 |
| GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) | $1,956 | $1,674 | $1,190 | $1,190 |
| Credit Rating | Moody's | Fitch |
|---|---|---|
| Long-term Issuer | Baa3 | BBB |
*NM = not meaningful
