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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 FQ3
9/30/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 21,703,618 20,364,810 6.57 21,308,670 7.41
Total Net Loans 16,554,676 15,794,808 4.81 16,243,979 7.65
Total Deposits 17,342,717 16,249,014 6.73 16,388,895 23.28
Equity Attributable to Parent Company 2,324,016 2,283,014 1.80 2,308,798 2.64
Total Equity 2,324,016 2,283,014 1.80 2,308,798 2.64
Profitability (%)
Net Income($000) 62,108 65,633 (5.37) 59,779 15.58
Net Income Attributable to Parent($000) 62,108 65,633 (5.37) 59,779 15.58
ROAA 1.16 1.29 (13) bp 1.14 2 bp
Core ROAA 1.25 1.31 (6) bp 1.21 4 bp
ROAE 10.73 11.57 (84) bp 10.39 34 bp
ROATCE 14.14 15.11 (97) bp 13.56 58 bp
Core ROAE 11.56 11.68 (12) bp 11.08 48 bp
Net Interest Margin 3.33 3.44 (11) bp 3.43 (10) bp
Reported: Net Interest Margin 3.31 3.42 (11) bp 3.44 (13) bp
Efficiency Ratio 61.92 60.89 103 bp 61.91 1 bp
Noninterest Inc/ Operating Rev 25.54 24.16 138 bp 24.76 78 bp
Balance Sheet Ratios (%)
Loans/ Deposits 96.22 98.01 (179) bp 99.88 (366) bp
Securities/ Assets 12.90 13.26 (36) bp 13.85 (95) bp
Total Equity/ Total Assets 10.71 11.21 (50) bp 10.84 (13) bp
Tangible Equity/ Tangible Assets 8.45 8.83 (38) bp 8.54 (9) bp
Tang Common Equity/ Tang Assets 8.45 8.83 (38) bp 8.54 (9) bp
Asset Quality (%)
NPAs/ Assets 0.88 0.89 (1) bp 0.94 (6) bp
NPA Excl Restructured/ Assets 0.61 0.58 3 bp 0.66 (5) bp
NPAs & 90+ PD/ Assets 0.93 0.96 (3) bp 1.01 (8) bp
NPAs/ Loans & REO 1.14 1.14 0 bp 1.22 (8) bp
Nonaccrual & 90+ & OREO/ Assets 0.66 0.64 2 bp 0.73 (7) bp
NPAs & 90+ PD/ Loans & REO 1.21 1.23 (2) bp 1.30 (9) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 10.32 10.25 7 bp 11.02 (70) bp
NCOs/ Avg Loans 0.15 0.08 7 bp (0.04) 19 bp
Loan Loss Reserves/ Gross Loans 0.99 0.99 0 bp 1.04 (5) bp
Reserves/ NPAs 87.38 86.72 66 bp 85.29 209 bp
Loan Loss Provision/ NCO 35.10 157.88 (12,278) bp NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,779,290 1,841,778 (3.39) 1,777,974 0.30
Tier 1 Capital($000) 1,779,290 1,841,778 (3.39) 1,777,974 0.30
Tier 2 Capital($000) 438,797 433,826 1.15 442,941 (3.74)
Total Capital($000) 2,218,087 2,275,604 (2.53) 2,220,915 (0.51)
Total Risk-weighted Assets($000) 18,465,680 17,060,168 8.24 17,855,107 13.68
Tier 1 Common Capital (CET1) Ratio(%) 9.64 10.80 (116) bp 9.96 (32) bp
Tier 1 Ratio(%) 9.64 10.80 (116) bp 9.96 (32) bp
Total Capital Ratio(%) 12.02 13.34 (132) bp 12.44 (42) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.47 9.34 (87) bp 8.68 (21) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 164,036,102 176,018,728 (6.81) 166,903,385 (6.87)
Avg Diluted Shares(actual) 166,126,000 177,128,000 (6.21) 169,168,000 (7.19)
Basic Book Value per Share 14.17 12.97 9.25 13.83 9.83
Book Value per Share, As Reported NA NA NA NA NA
Basic Tangible Book Value per Share 10.91 9.95 9.65 10.63 10.54
Tangible Book Value per Share, As Reported 10.91 9.95 9.65 10.63 10.54
Common Dividends Declared per Share 0.13 0.12 8.33 0.13 0
EPS after Extra 0.37 0.37 0 0.35 22.86
EPS after Extra Growth(%) 0 32.10 (3,214) bp 75 (7,500) bp
Core EPS 0.40 0.37 8.11 0.37 32.43
Core EPS Growth(%) 6.80 42 (3,524) bp 84.90 (7,816) bp
Diluted EPS before Amortization 0.38 0.37 2.70 0.35 34.29
Pre-Provision Earnings per Share 0.37 0.36 2.78 0.38 (10.53)

  † 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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One Penn Square, P.O. Box 4887, Lancaster, PA 17604 • 1.800.752.9580

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