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Financial Highlights

Financial Highlights
Custom Periods
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  • Last Four Years & YTD
  • Last Four Years & LTM
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  • Quarterly Analysis
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Custom Period

Latest On:
Period Ended
2019 FQ4
12/31/2019
2018 FQ4
12/31/2018
Y-Y Ch (%)
2019 FQ3
9/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 21,886,040 20,682,152 5.82 21,703,618 3.36
Total Net Loans 16,711,732 16,032,362 4.24 16,554,676 3.79
Total Deposits 17,393,913 16,376,159 6.21 17,342,717 1.18
Equity Attributable to Parent Company 2,342,176 2,247,573 4.21 2,324,016 3.13
Total Equity 2,342,176 2,247,573 4.21 2,324,016 3.13
Profitability (%)
Net Income($000) 47,789 58,083 (17.72) 62,108 (92.22)
Net Income Attributable to Parent($000) 47,789 58,083 (17.72) 62,108 (92.22)
ROAA 0.88 1.13 (25) bp 1.16 (28) bp
Core ROAA 0.87 1.06 (19) bp 1.23 (36) bp
ROAE 8.16 10.18 (202) bp 10.73 (257) bp
ROATCE 10.61 13.28 (267) bp 13.96 (335) bp
Core ROAE 8.08 9.49 (141) bp 11.43 (335) bp
Net Interest Margin 3.24 3.46 (22) bp 3.33 (9) bp
Reported: Net Interest Margin 3.22 3.44 (22) bp 3.31 (9) bp
Efficiency Ratio 62.25 67.03 (478) bp 62.38 (13) bp
Noninterest Inc/ Operating Rev 25.77 23.31 246 bp 25.54 23 bp
Balance Sheet Ratios (%)
Loans/ Deposits 96.80 98.72 (192) bp 96.22 58 bp
Securities/ Assets 13.55 13.38 17 bp 12.90 65 bp
Total Equity/ Total Assets 10.70 10.87 (17) bp 10.71 (1) bp
Tangible Equity/ Tangible Assets 8.46 8.52 (6) bp 8.45 1 bp
Tang Common Equity/ Tang Assets 8.46 8.52 (6) bp 8.45 1 bp
Asset Quality (%)
NPAs/ Assets 0.82 0.97 (15) bp 0.88 (6) bp
NPA Excl Restructured/ Assets 0.60 0.67 (7) bp 0.61 (1) bp
NPAs & 90+ PD/ Assets 0.89 1.02 (13) bp 0.93 (4) bp
NPAs/ Loans & REO 1.06 1.23 (17) bp 1.14 (8) bp
Nonaccrual & 90+ & OREO/ Assets 0.68 0.73 (5) bp 0.66 2 bp
NPAs & 90+ PD/ Loans & REO 1.16 1.30 (14) bp 1.21 (5) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 9.93 11.24 (131) bp 10.32 (39) bp
NCOs/ Avg Loans 0.65 0.17 48 bp 0.15 50 bp
Loan Loss Reserves/ Gross Loans 0.97 0.99 (2) bp 0.99 (2) bp
Reserves/ NPAs 91.11 80.37 1,074 bp 87.38 373 bp
Loan Loss Provision/ NCO 90.73 141.22 (5,049) bp 35.10 5,563 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,796,987 1,764,847 1.82 1,779,290 3.98
Tier 1 Capital($000) 1,796,987 1,764,847 1.82 1,779,290 3.98
Tier 2 Capital($000) 382,210 435,410 (12.22) 438,797 (51.58)
Total Capital($000) 2,179,197 2,200,257 (0.96) 2,218,087 (7.01)
Total Risk-weighted Assets($000) 18,517,809 17,261,317 7.28 18,465,680 1.13
Tier 1 Common Capital (CET1) Ratio(%) 9.67 10.22 (55) bp 9.64 3 bp
Tier 1 Ratio(%) 9.67 10.22 (55) bp 9.64 3 bp
Total Capital Ratio(%) 11.79 12.75 (96) bp 12.01 (22) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.47 9.01 (54) bp 8.52 (5) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 164,217,863 170,184,203 (3.51) 164,036,102 0.44
Avg Diluted Shares(actual) 165,039,000 175,473,000 (5.95) 166,126,000 (2.62)
Basic Book Value per Share 14.26 13.21 7.95 14.17 2.54
Book Value per Share, As Reported NA NA NA NA NA
Basic Tangible Book Value per Share 11 10.08 9.13 10.91 3.30
Tangible Book Value per Share, As Reported 11 10.08 9.13 10.91 3.30
Common Dividends Declared per Share 0.17 0.16 6.25 0.13 123.08
EPS after Extra 0.29 0.33 (12.12) 0.37 (86.49)
EPS after Extra Growth(%) (12.10) 73.70 (8,580) bp 0 (1,212) bp
Core EPS 0.29 0.31 (6.45) 0.39 (102.56)
Core EPS Growth(%) (6.70) 16.40 (2,315) bp 5.50 (1,226) bp
Diluted EPS before Amortization 0.29 0.33 (12.12) 0.37 (86.49)
Pre-Provision Earnings per Share 0.38 0.30 26.67 0.37 10.81

  † 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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