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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
2018 FQ4
12/31/2018
2017 FQ4
12/31/2017
Y-Y Ch (%)
2018 FQ3
9/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 20,682,152 20,036,905 3.22 20,364,810 6.23
Total Net Loans 16,032,362 15,629,867 2.58 15,794,808 6.02
Total Deposits 16,376,159 15,797,532 3.66 16,249,014 3.13
Equity Attributable to Parent Company 2,247,573 2,229,857 0.79 2,283,014 (6.21)
Total Equity 2,247,573 2,229,857 0.79 2,283,014 (6.21)
Profitability (%)
Net Income($000) 58,083 34,001 70.83 65,633 (46.01)
Net Income Attributable to Parent($000) 58,083 34,001 70.83 65,633 (46.01)
ROAA 1.13 0.68 45 bp 1.29 (16) bp
Core ROAA 1.13 0.94 19 bp 1.28 (15) bp
ROAE 10.18 6.08 410 bp 11.57 (139) bp
ROATCE 13.28 7.97 531 bp 15.11 (183) bp
Core ROAE 10.18 8.45 173 bp 11.43 (125) bp
Net Interest Margin 3.46 3.31 15 bp 3.44 2 bp
Reported: Net Interest Margin 3.44 3.29 15 bp 3.42 2 bp
Efficiency Ratio 64.71 67.61 (290) bp 61.73 298 bp
Noninterest Inc/ Operating Rev 23.31 25.05 (174) bp 24.16 (85) bp
Balance Sheet Ratios (%)
Loans/ Deposits 98.72 99.81 (109) bp 98.01 71 bp
Securities/ Assets 13.38 13.02 36 bp 13.26 12 bp
Total Equity/ Total Assets 10.87 11.13 (26) bp 11.21 (34) bp
Tangible Equity/ Tangible Assets 8.52 8.71 (19) bp 8.83 (31) bp
Tang Common Equity/ Tang Assets 8.52 8.71 (19) bp 8.83 (31) bp
Asset Quality (%)
NPAs/ Assets 0.97 1 (3) bp 0.89 8 bp
NPA Excl Restructured/ Assets 0.67 0.67 0 bp 0.58 9 bp
NPAs & 90+ PD/ Assets 1.02 1.05 (3) bp 0.96 6 bp
NPAs/ Loans & REO 1.23 1.26 (3) bp 1.14 9 bp
Nonaccrual & 90+ & OREO/ Assets 0.73 0.72 1 bp 0.64 9 bp
NPAs & 90+ PD/ Loans & REO 1.30 1.33 (3) bp 1.23 7 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 11.24 11.23 1 bp 10.25 99 bp
NCOs/ Avg Loans 0.17 0.14 3 bp 0.08 9 bp
Loan Loss Reserves/ Gross Loans 0.99 1.08 (9) bp 0.99 0 bp
Reserves/ NPAs 80.37 85.03 (466) bp 86.72 (635) bp
Loan Loss Provision/ NCO 141.22 56.72 8,450 bp 157.88 (1,666) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,764,847 1,737,060 1.60 1,841,778 (16.71)
Tier 1 Capital($000) 1,764,847 1,737,060 1.60 1,841,778 (16.71)
Tier 2 Capital($000) 435,410 442,087 (1.51) 433,826 1.46
Total Capital($000) 2,200,257 2,179,147 0.97 2,275,604 (13.24)
Total Risk-weighted Assets($000) 17,261,317 16,732,004 3.16 17,060,168 4.72
Tier 1 Common Capital (CET1) Ratio(%) 10.22 10.38 (16) bp 10.80 (58) bp
Tier 1 Ratio(%) 10.22 10.38 (16) bp 10.80 (58) bp
Total Capital Ratio(%) 12.75 13.02 (27) bp 13.34 (59) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.01 8.93 8 bp 9.34 (33) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 170,184,203 175,170,083 (2.85) 176,018,728 (13.26)
Avg Diluted Shares(actual) 175,473,000 176,374,000 (0.51) 177,128,000 (3.74)
Basic Book Value per Share 13.21 12.73 3.77 12.97 7.40
Book Value per Share, As Reported NA 12.74 NA NA NA
Basic Tangible Book Value per Share 10.08 9.70 3.92 9.95 5.23
Tangible Book Value per Share, As Reported 10.08 9.70 3.92 9.95 5.23
Common Dividends Declared per Share 0.16 0.14 14.29 0.12 133.33
EPS after Extra 0.33 0.19 73.68 0.37 (43.24)
EPS after Extra Growth(%) 73.70 (20.80) 9,451 bp 32.10 4,154 bp
Core EPS 0.33 0.26 26.92 0.37 (43.24)
Core EPS Growth(%) 24.90 9.60 1,531 bp 39 (1,406) bp
Diluted EPS before Amortization 0.33 0.19 73.68 0.37 (43.24)
Pre-Provision Earnings per Share 0.33 0.22 50 0.35 (22.86)

  † 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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