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Financial Highlights

Financial Highlights
Custom Periods
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  • Last Four Years & YTD
  • Last Four Years & LTM
  • Last Five Years
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  • Quarterly Analysis
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Custom Period

Latest On:
Period Ended
2020 FQ1
3/31/2020
2019 FQ1
3/31/2019
Y-Y Ch (%)
2019 FQ4
12/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 22,929,859 20,974,649 9.32 21,886,040 19.08
Total Net Loans 16,879,540 16,128,292 4.66 16,711,732 4.02
Total Deposits 17,365,026 16,377,978 6.03 17,393,913 (0.66)
Equity Attributable to Parent Company 2,285,748 2,301,019 (0.66) 2,342,176 (9.64)
Total Equity 2,285,748 2,301,019 (0.66) 2,342,176 (9.64)
Profitability (%)
Net Income($000) 26,047 56,663 (54.03) 47,789 (181.98)
Net Income Attributable to Parent($000) 26,047 56,663 (54.03) 47,789 (181.98)
ROAA 0.47 1.10 (63) bp 0.88 (41) bp
Core ROAA 0.47 1.12 (65) bp 0.87 (40) bp
ROAE 4.46 10.01 (555) bp 8.16 (370) bp
ROATCE 5.81 13.11 (730) bp 10.61 (480) bp
Core ROAE 4.47 10.22 (575) bp 8.08 (361) bp
Net Interest Margin 3.20 3.45 (25) bp 3.24 (4) bp
Reported: Net Interest Margin 3.21 3.49 (28) bp 3.22 (1) bp
Efficiency Ratio 65.16 63.59 157 bp 62.25 291 bp
Noninterest Inc/ Operating Rev 25.35 22.23 312 bp 25.77 (42) bp
Balance Sheet Ratios (%)
Loans/ Deposits 98.34 99.30 (96) bp 96.80 154 bp
Securities/ Assets 14.22 13.51 71 bp 13.55 67 bp
Total Equity/ Total Assets 9.97 10.97 (100) bp 10.70 (73) bp
Tangible Equity/ Tangible Assets 7.82 8.64 (82) bp 8.46 (64) bp
Tang Common Equity/ Tang Assets 7.82 8.64 (82) bp 8.46 (64) bp
Asset Quality (%)
NPAs/ Assets 0.76 0.94 (18) bp 0.85 (9) bp
NPA Excl Restructured/ Assets 0.55 0.65 (10) bp 0.60 (5) bp
NPAs & 90+ PD/ Assets 0.84 0.99 (15) bp 0.92 (8) bp
NPAs/ Loans & REO 1.01 1.21 (20) bp 1.10 (9) bp
Nonaccrual & 90+ & OREO/ Assets 0.64 0.70 (6) bp 0.68 (4) bp
NPAs & 90+ PD/ Loans & REO 1.13 1.28 (15) bp 1.19 (6) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 9.72 10.80 (108) bp 10.22 (50) bp
NCOs/ Avg Loans 0.26 0.10 16 bp 0.65 (39) bp
Loan Loss Reserves/ Gross Loans 1.39 1 39 bp 0.97 42 bp
Reserves/ NPAs 137.23 82.39 5,484 bp 88.30 4,893 bp
Loan Loss Provision/ NCO 396.10 137.99 25,811 bp 90.73 30,537 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,772,435 1,793,840 (1.19) 1,796,987 (5.47)
Tier 1 Capital($000) 1,772,435 1,793,840 (1.19) 1,796,987 (5.47)
Tier 2 Capital($000) 795,456 436,372 82.29 382,210 432.48
Total Capital($000) 2,567,891 2,230,212 15.14 2,179,197 71.35
Total Risk-weighted Assets($000) 19,056,361 17,660,299 7.91 18,517,809 11.63
Tier 1 Common Capital (CET1) Ratio(%) 9.40 10.16 (76) bp 9.67 (27) bp
Tier 1 Ratio(%) 9.40 10.16 (76) bp 9.67 (27) bp
Total Capital Ratio(%) 13.80 12.63 117 bp 11.79 201 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 7.90 8.92 (102) bp 8.47 (57) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 161,434,920 166,922,630 (3.29) 164,217,863 (6.78)
Avg Diluted Shares(actual) 164,417,000 170,909,000 (3.80) 165,039,000 (1.51)
Basic Book Value per Share 14.16 13.78 2.76 14.26 (2.81)
Book Value per Share, As Reported NA 13.54 NA NA NA
Basic Tangible Book Value per Share 10.84 10.58 2.46 11 (5.82)
Tangible Book Value per Share, As Reported 10.84 10.39 4.33 11 (5.82)
Common Dividends Declared per Share 0 0.13 NM 0.17 NM
EPS after Extra 0.16 0.33 (51.52) 0.29 (179.31)
EPS after Extra Growth(%) (51.50) 17.90 (6,938) bp (12.10) (3,940) bp
Core EPS 0.16 0.34 (52.94) 0.29 (179.31)
Core EPS Growth(%) (52.40) 19.50 (7,190) bp (6.70) (4,568) bp
Diluted EPS before Amortization 0.16 0.33 (51.52) 0.29 (179.31)
Pre-Provision Earnings per Share 0.35 0.34 2.94 0.38 (31.58)

  † Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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