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Financial Highlights

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

Latest On:
Period Ended
2019 FQ1
3/31/2019
2018 FQ1
3/31/2018
Y-Y Ch (%)
2018 FQ4
12/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 20,974,649 19,948,941 5.14 20,682,152 5.66
Total Net Loans 16,128,292 15,556,517 3.68 16,032,362 2.39
Total Deposits 16,377,978 15,477,103 5.82 16,376,159 0.04
Equity Attributable to Parent Company 2,301,019 2,235,493 2.93 2,247,573 9.51
Total Equity 2,301,019 2,235,493 2.93 2,247,573 9.51
Profitability (%)
Net Income($000) 56,663 49,480 14.52 58,083 (9.78)
Net Income Attributable to Parent($000) 56,663 49,480 14.52 58,083 (9.78)
ROAA 1.10 1 10 bp 1.13 (3) bp
Core ROAA 1.11 1.01 10 bp 1.13 (2) bp
ROAE 10.01 8.90 111 bp 10.18 (17) bp
ROATCE 13.11 11.69 142 bp 13.28 (17) bp
Core ROAE 10.15 9.01 114 bp 10.18 (3) bp
Net Interest Margin 3.45 3.32 13 bp 3.46 (1) bp
Reported: Net Interest Margin 3.49 3.35 14 bp 3.44 5 bp
Efficiency Ratio 63.83 71.21 (738) bp 64.71 (88) bp
Noninterest Inc/ Operating Rev 22.23 23.26 (103) bp 23.31 (108) bp
Balance Sheet Ratios (%)
Loans/ Deposits 99.30 101.42 (212) bp 98.72 58 bp
Securities/ Assets 13.51 13.28 23 bp 13.38 13 bp
Total Equity/ Total Assets 10.97 11.21 (24) bp 10.87 10 bp
Tangible Equity/ Tangible Assets 8.64 8.78 (14) bp 8.52 12 bp
Tang Common Equity/ Tang Assets 8.64 8.78 (14) bp 8.52 12 bp
Asset Quality (%)
NPAs/ Assets 0.94 1.02 (8) bp 0.97 (3) bp
NPA Excl Restructured/ Assets 0.65 0.67 (2) bp 0.67 (2) bp
NPAs & 90+ PD/ Assets 0.99 1.08 (9) bp 1.02 (3) bp
NPAs/ Loans & REO 1.21 1.30 (9) bp 1.23 (2) bp
Nonaccrual & 90+ & OREO/ Assets 0.70 0.73 (3) bp 0.73 (3) bp
NPAs & 90+ PD/ Loans & REO 1.28 1.37 (9) bp 1.30 (2) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 10.80 11.55 (75) bp 11.24 (44) bp
NCOs/ Avg Loans 0.10 0.10 0 bp 0.17 (7) bp
Loan Loss Reserves/ Gross Loans 1 1.04 (4) bp 0.99 1 bp
Reserves/ NPAs 82.39 79.98 241 bp 80.37 202 bp
Loan Loss Provision/ NCO 137.99 (65.87) 20,386 bp 141.22 (323) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,793,840 1,776,757 0.96 1,764,847 6.57
Tier 1 Capital($000) 1,793,840 1,776,757 0.96 1,764,847 6.57
Tier 2 Capital($000) 436,372 442,019 (1.28) 435,410 0.88
Total Capital($000) 2,230,212 2,218,776 0.52 2,200,257 5.45
Total Risk-weighted Assets($000) 17,697,799 16,779,333 5.47 17,261,317 10.11
Tier 1 Common Capital (CET1) Ratio(%) 10.14 10.59 (45) bp 10.22 (8) bp
Tier 1 Ratio(%) 10.14 10.59 (45) bp 10.22 (8) bp
Total Capital Ratio(%) 12.60 13.22 (62) bp 12.75 (15) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.92 9.21 (29) bp 9.01 (9) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 169,923,000 175,403,714 (3.12) 170,184,203 (0.61)
Avg Diluted Shares(actual) 170,909,000 176,568,000 (3.20) 175,473,000 (10.40)
Basic Book Value per Share 13.54 12.74 6.28 13.21 9.99
Book Value per Share, As Reported 13.54 12.74 6.28 NA NA
Basic Tangible Book Value per Share 10.39 9.71 7 10.08 12.30
Tangible Book Value per Share, As Reported 10.39 9.71 7 10.08 12.30
Common Dividends Declared per Share 0.13 0.12 8.33 0.16 (75)
EPS after Extra 0.33 0.28 17.86 0.33 0
EPS after Extra Growth(%) 17.90 12 586 bp 73.70 (5,582) bp
Core EPS 0.33 0.28 17.86 0.33 0
Core EPS Growth(%) 18.10 15.30 279 bp 24.90 (682) bp
Diluted EPS before Amortization 0.33 0.28 17.86 0.33 0
Pre-Provision Earnings per Share 0.34 0.24 41.67 0.33 12.12

  † 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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