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Financial Highlights

Financial Highlights
Custom Periods
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  • Last Four Years & YTD
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Latest On:
Period Ended
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 21,308,670 20,172,539 5.63 20,974,649 6.37
Total Net Loans 16,243,979 15,672,817 3.64 16,128,292 2.87
Total Deposits 16,388,895 15,599,799 5.06 16,377,978 0.27
Equity Attributable to Parent Company 2,308,798 2,245,785 2.81 2,301,019 1.35
Total Equity 2,308,798 2,245,785 2.81 2,301,019 1.35
Profitability (%)
Net Income($000) 59,779 35,197 69.84 56,663 22
Net Income Attributable to Parent($000) 59,779 35,197 69.84 56,663 22
ROAA 1.14 0.70 44 bp 1.10 4 bp
Core ROAA 1.21 0.71 50 bp 1.12 9 bp
ROAE 10.39 6.27 412 bp 10.01 38 bp
ROATCE 13.56 8.21 535 bp 13.11 45 bp
Core ROAE 11.08 6.32 476 bp 10.22 86 bp
Net Interest Margin 3.43 3.39 4 bp 3.45 (2) bp
Reported: Net Interest Margin 3.44 3.39 5 bp 3.49 (5) bp
Efficiency Ratio 61.91 64.06 (215) bp 63.59 (168) bp
Noninterest Inc/ Operating Rev 24.76 23.93 83 bp 22.23 253 bp
Balance Sheet Ratios (%)
Loans/ Deposits 99.88 101.24 (136) bp 99.30 58 bp
Securities/ Assets 13.85 13.19 66 bp 13.51 34 bp
Total Equity/ Total Assets 10.84 11.13 (29) bp 10.97 (13) bp
Tangible Equity/ Tangible Assets 8.54 8.73 (19) bp 8.64 (10) bp
Tang Common Equity/ Tang Assets 8.54 8.73 (19) bp 8.64 (10) bp
Asset Quality (%)
NPAs/ Assets 0.94 0.94 0 bp 0.94 0 bp
NPA Excl Restructured/ Assets 0.66 0.61 5 bp 0.65 1 bp
NPAs & 90+ PD/ Assets 1.01 1.01 0 bp 0.99 2 bp
NPAs/ Loans & REO 1.22 1.20 2 bp 1.21 1 bp
Nonaccrual & 90+ & OREO/ Assets 0.73 0.67 6 bp 0.70 3 bp
NPAs & 90+ PD/ Loans & REO 1.30 1.28 2 bp 1.28 2 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 11.02 10.86 16 bp 10.80 22 bp
NCOs/ Avg Loans (0.04) 1.01 (105) bp 0.10 (14) bp
Loan Loss Reserves/ Gross Loans 1.04 0.99 5 bp 1 4 bp
Reserves/ NPAs 85.29 81.89 340 bp 82.39 290 bp
Loan Loss Provision/ NCO NM 82.03 NM 137.99 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,777,974 1,793,136 (0.85) 1,793,840 (3.54)
Tier 1 Capital($000) 1,777,974 1,793,136 (0.85) 1,793,840 (3.54)
Tier 2 Capital($000) 442,941 435,247 1.77 436,372 6.02
Total Capital($000) 2,220,915 2,228,383 (0.34) 2,230,212 (1.67)
Total Risk-weighted Assets($000) 17,855,107 16,909,891 5.59 17,660,299 4.41
Tier 1 Common Capital (CET1) Ratio(%) 9.96 10.60 (64) bp 10.16 (20) bp
Tier 1 Ratio(%) 9.96 10.60 (64) bp 10.16 (20) bp
Total Capital Ratio(%) 12.44 13.18 (74) bp 12.63 (19) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.68 9.20 (52) bp 8.92 (24) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 166,903,000 175,846,935 (5.09) 169,923,000 (7.11)
Avg Diluted Shares(actual) 169,168,000 176,844,000 (4.34) 170,909,000 (4.07)
Basic Book Value per Share 13.83 12.77 8.30 13.54 8.57
Book Value per Share, As Reported NA NA NA 13.54 NA
Basic Tangible Book Value per Share 10.63 9.75 9.03 10.39 9.24
Tangible Book Value per Share, As Reported 10.63 9.75 9.03 10.39 9.24
Common Dividends Declared per Share 0.13 0.12 8.33 0.13 0
EPS after Extra 0.35 0.20 75 0.33 24.24
EPS after Extra Growth(%) 75 (23.10) 9,808 bp 17.90 5,714 bp
Core EPS 0.37 0.20 85 0.34 35.29
Core EPS Growth(%) 84.90 (20.70) 10,570 bp 19.50 6,546 bp
Diluted EPS before Amortization 0.35 0.20 75 0.33 24.24
Pre-Provision Earnings per Share 0.38 0.32 18.75 0.34 47.06

  † 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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