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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
2020 FQ2
6/30/2020
2019 FQ2
6/30/2019
Y-Y Ch (%)
2020 FQ1
3/31/2020
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 24,617,863 21,308,670 15.53 22,929,859 29.45
Total Net Loans 18,525,600 16,243,979 14.05 16,879,540 39.01
Total Deposits 19,884,208 16,388,895 21.33 17,365,026 58.03
Equity Attributable to Parent Company 2,340,501 2,308,798 1.37 2,285,748 9.58
Total Equity 2,340,501 2,308,798 1.37 2,285,748 9.58
Profitability (%)
Net Income($000) 39,559 59,779 (33.82) 26,047 207.50
Net Income Attributable to Parent($000) 39,559 59,779 (33.82) 26,047 207.50
ROAA 0.66 1.14 (48) bp 0.47 19 bp
Core ROAA 0.66 1.21 (55) bp 0.47 19 bp
ROAE 6.85 10.39 (354) bp 4.46 239 bp
ROATCE 8.94 13.56 (462) bp 5.81 313 bp
Core ROAE 6.85 11.08 (423) bp 4.47 238 bp
Net Interest Margin 2.80 3.43 (63) bp 3.20 (40) bp
Reported: Net Interest Margin 2.81 3.44 (63) bp 3.21 (40) bp
Efficiency Ratio 67.06 61.91 515 bp 65.16 190 bp
Noninterest Inc/ Operating Rev 25.73 24.76 97 bp 25.35 38 bp
Balance Sheet Ratios (%)
Loans/ Deposits 94.07 99.88 (581) bp 98.34 (427) bp
Securities/ Assets 12.45 13.85 (140) bp 14.22 (177) bp
Total Equity/ Total Assets 9.51 10.84 (133) bp 9.97 (46) bp
Tangible Equity/ Tangible Assets 7.50 8.54 (104) bp 7.82 (32) bp
Tang Common Equity/ Tang Assets 7.50 8.54 (104) bp 7.82 (32) bp
Asset Quality (%)
NPAs/ Assets 0.80 0.94 (14) bp 0.76 4 bp
NPA Excl Restructured/ Assets 0.53 0.66 (13) bp 0.55 (2) bp
NPAs & 90+ PD/ Assets 0.86 1.01 (15) bp 0.84 2 bp
NPAs/ Loans & REO 1.05 1.22 (17) bp 1.01 4 bp
Nonaccrual & 90+ & OREO/ Assets 0.59 0.73 (14) bp 0.64 (5) bp
NPAs & 90+ PD/ Loans & REO 1.13 1.30 (17) bp 1.13 0 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 10.26 11.02 (76) bp 9.72 54 bp
NCOs/ Avg Loans 0.09 (0.04) 13 bp 0.26 (17) bp
Loan Loss Reserves/ Gross Loans 1.37 1.04 33 bp 1.39 (2) bp
Reserves/ NPAs 130.38 85.29 4,509 bp 137.23 (685) bp
Loan Loss Provision/ NCO 474.88 NM NM 396.10 7,878 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,802,151 1,777,974 1.36 1,772,435 6.71
Tier 1 Capital($000) 1,802,151 1,777,974 1.36 1,772,435 6.71
Tier 2 Capital($000) 806,399 442,941 82.06 795,456 5.50
Total Capital($000) 2,608,550 2,220,915 17.45 2,567,891 6.33
Total Risk-weighted Assets($000) 18,915,045 17,855,107 5.94 19,114,542 (4.17)
Tier 1 Common Capital (CET1) Ratio(%) 9.53 9.96 (43) bp 9.40 13 bp
Tier 1 Ratio(%) 9.53 9.96 (43) bp 9.40 13 bp
Total Capital Ratio(%) 13.79 12.44 135 bp 13.80 (1) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 7.40 8.68 (128) bp 7.90 (50) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 161,957,996 166,903,385 (2.96) 161,434,920 1.30
Avg Diluted Shares(actual) 162,267,000 169,168,000 (4.08) 164,417,000 (5.23)
Basic Book Value per Share 14.45 13.83 4.48 14.16 8.19
Book Value per Share, As Reported NA NA NA NA NA
Basic Tangible Book Value per Share 11.15 10.63 4.89 10.84 11.44
Tangible Book Value per Share, As Reported 11.15 10.63 4.89 10.84 11.44
Common Dividends Declared per Share 0.13 0.13 0 0.13 0
EPS after Extra 0.24 0.35 (31.43) 0.16 200
EPS after Extra Growth(%) (31.40) 75 (10,643) bp (51.50) 2,009 bp
Core EPS 0.24 0.37 (35.14) 0.16 200
Core EPS Growth(%) (35.70) 84.90 (12,065) bp (52.40) 1,671 bp
Diluted EPS before Amortization 0.24 0.35 (31.43) 0.16 200
Pre-Provision Earnings per Share 0.31 0.38 (18.42) 0.35 (45.71)

  † 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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