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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 FQ4
12/31/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 21,897,062 20,364,810 7.52 21,308,670 11.05
Total Net Loans 16,719,732 15,794,808 5.86 16,243,979 11.72
Total Deposits 17,393,913 16,249,014 7.05 16,388,895 24.53
Equity Attributable to Parent Company 2,348,474 2,283,014 2.87 2,308,798 6.87
Total Equity 2,348,474 2,283,014 2.87 2,308,798 6.87
Profitability (%)
Net Income($000) 54,087 65,633 (17.59) 59,779 (38.09)
Net Income Attributable to Parent($000) 54,087 65,633 (17.59) 59,779 (38.09)
ROAA 0.99 1.29 (30) bp 1.14 (15) bp
Core ROAA 0.99 1.31 (32) bp 1.21 (22) bp
ROAE 9.24 11.57 (233) bp 10.39 (115) bp
ROATCE 11.99 15.11 (312) bp 13.56 (157) bp
Core ROAE 9.25 11.68 (243) bp 11.08 (183) bp
Net Interest Margin 3.24 3.44 (20) bp 3.43 (19) bp
Reported: Net Interest Margin 3.22 3.42 (20) bp 3.44 (22) bp
Efficiency Ratio 62.30 60.89 141 bp 61.91 39 bp
Noninterest Inc/ Operating Rev 25.77 24.16 161 bp 24.76 101 bp
Balance Sheet Ratios (%)
Loans/ Deposits 96.92 98.01 (109) bp 99.88 (296) bp
Securities/ Assets NA 13.26 NA 13.85 NA
Total Equity/ Total Assets 10.73 11.21 (48) bp 10.84 (11) bp
Tangible Equity/ Tangible Assets 8.49 8.83 (34) bp 8.54 (5) bp
Tang Common Equity/ Tang Assets 8.49 8.83 (34) bp 8.54 (5) bp
Asset Quality (%)
NPAs/ Assets NA 0.89 NA 0.94 NA
NPA Excl Restructured/ Assets 0.69 0.58 11 bp 0.66 3 bp
NPAs & 90+ PD/ Assets NA 0.96 NA 1.01 NA
NPAs/ Loans & REO NA 1.14 NA 1.22 NA
Nonaccrual & 90+ & OREO/ Assets 0.77 0.64 13 bp 0.73 4 bp
NPAs & 90+ PD/ Loans & REO NA 1.23 NA 1.30 NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA 10.25 NA 11.02 NA
NCOs/ Avg Loans 0.17 0.08 9 bp (0.04) 21 bp
Loan Loss Reserves/ Gross Loans 1.04 0.99 5 bp 1.04 0 bp
Reserves/ NPAs NA 86.72 NA 85.29 NA
Loan Loss Provision/ NCO 233.28 157.88 7,540 bp NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 1,841,778 NA 1,777,974 NA
Tier 1 Capital($000) NA 1,841,778 NA 1,777,974 NA
Tier 2 Capital($000) NA 433,826 NA 442,941 NA
Total Capital($000) NA 2,275,604 NA 2,220,915 NA
Total Risk-weighted Assets($000) NA 17,060,168 NA 17,855,107 NA
Tier 1 Common Capital (CET1) Ratio(%) 9.67 10.80 (113) bp 9.96 (29) bp
Tier 1 Ratio(%) 9.67 10.80 (113) bp 9.96 (29) bp
Total Capital Ratio(%) 11.79 13.34 (155) bp 12.44 (65) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.47 9.34 (87) bp 8.68 (21) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 164,218,000 176,018,728 (6.70) 166,903,385 (6.44)
Avg Diluted Shares(actual) 165,039,000 177,128,000 (6.83) 169,168,000 (9.76)
Basic Book Value per Share 14.30 12.97 10.25 13.83 13.59
Book Value per Share, As Reported NA NA NA NA NA
Basic Tangible Book Value per Share 11.04 9.95 10.95 10.63 15.43
Tangible Book Value per Share, As Reported 11.04 9.95 10.95 10.63 15.43
Common Dividends Declared per Share 0.17 0.12 41.67 0.13 123.08
EPS after Extra 0.33 0.37 (10.81) 0.35 (22.86)
EPS after Extra Growth(%) 0 32.10 (3,214) bp 75 (7,500) bp
Core EPS 0.33 0.37 (10.81) 0.37 (43.24)
Core EPS Growth(%) (1) 42 (4,303) bp 84.90 (8,595) bp
Diluted EPS before Amortization 0.33 0.37 (10.81) 0.35 (22.86)
Pre-Provision Earnings per Share 0.38 0.36 5.56 0.38 0

  † 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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