Financial Highlights for Reg F Compliance
Please review the Financial Highlights for Reg F Compliance.
| 2nd Quarter 2024 | 3rd Quarter 2024 | 4th Quarter 2024 | 1st Quarter 2025 | |
|---|---|---|---|---|
| CAPITAL RATIOS | ||||
| Common Equity Tier 1 Capital (%) | 11.3149% | 11.2300% | 11.1247% | 11.3538% |
| Tier I Risk Based Capital (%) | 11.7293% | 11.6468% | 11.5434% | 11.7754% |
| Total Risk Based Capital (%) | 13.1627% | 13.1037% | 13.0020% | 13.6967% |
| Leverage Ratio (%) | 10.3145% | 10.1324% | 10.0612% | 10.3343% |
| PROFITABILITY | ||||
| Net Income (in thousands) YTD | $451,087 | $697,267 | $890,736 | $250,034 |
| Return on Average Assets YTD | 1.10% | 1.13% | 1.08% | 1.24% |
| Return on Average Equity YTD | 10.35% | 10.58% | 10.10% | 11.37% |
| Net Interest Margin YTD | 3.38% | 3.35% | 3.35% | 3.45% |
| ASSET QUALITY (Excludes Loans Held for Sale) | ||||
| Nonperforming Loans (incl. 90+ days past due)/Total Loans | .92% | .95% | 1.00% | .99% |
| Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans | 1.07% | 1.07% | 1.14% | 1.15% |
| Nonperforming Assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate | .93% | .96% | 1.00% | 1.00% |
| Loan Loss Reserve/Total Loans | 1.31% | 1.32% | 1.30% | 1.32% |
| Reserve Coverage of Nonperforming Loans | 1.42x | 1.38x | 1.31x | 1.33x |
| Net Charge-off Ratio (Annualized net charge-offs to average total loans) | .22% | .15% | .08% | .19% |
| AVERAGE BALANCE SHEET | ||||
| Total Assets (in millions)1 | $82,723 | $83,143 | $82,667 | $81,645 |
| Total Loans (in millions)1 | $62,499 | $62,911 | $62,908 | $62,175 |
| Earning Assets (in millions) | $76,760 | $77,379 | $76,914 | $75,939 |
| Deposits (in millions)1 | $65,736 | $67,008 | $66,947 | $65,327 |
| Shareholders' Equity (in millions) | $8,723 | $8,870 | $8,866 | $8,922 |
| GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) | $0 | $0 | $0 | $0 |
| Credit Rating | Moody's | Fitch |
|---|---|---|
| Long-term Issuer | Baa3 | BBB |
1 Quarter-to-date average balances
