Susquehanna > Investor Relations > Financial Highlights

Financial Highlights

SUSQUEHANNA BANCSHARES, INC. (NASDAQ - SUSQ)

Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	9,499,821	9,271,751	2.46	9,605,886	(4.42)
Loans Held for Sale, before Reserves	363,884	182,343	99.56	310,732	68.42
Loan Loss Reserve	168,570	105,575	59.67	157,517	28.07
Net Loans Receivable	9,695,135	9,348,519	3.71	9,759,101	(2.62)
Intangible Assets	1,064,147	1,070,940	(0.63)	1,066,772	(0.98)
Total Assets	13,659,154	13,636,287	0.17	13,872,483	(6.15)
Deposits	8,900,313	9,194,141	(3.20)	9,025,949	(5.57)
Debt, Senior and Subordinated	2,518,243	2,516,440	0.07	2,649,588	(19.83)
Common Equity	1,687,138	1,694,774	(0.45)	1,658,310	6.95
Total Shareholders' Equity	1,979,082	1,694,774	16.78	1,949,839	6.00
Shares Outstanding (actual)	86,394,320	86,089,662	0.35	86,325,977	0.32

Income Statement ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Net Interest Income	104,802	101,262	3.50	100,105	18.77
Provision for Loan Losses	48,000	17,704	171.13	50,000	(16.00)
Noninterest Income	35,978	35,469	1.44	35,005	11.12
Noninterest Expense	91,535	93,290	(1.88)	96,957	(22.37)
Net Income Before Taxes	5,972	5,687	5.01	(18,255)	NM
Provision for Taxes	(850)	(673)	26.30	(10,478)	(367.55)
Net Income	6,822	6,360	7.26	(7,777)	NM

Per Share Items ($)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Book Value per Share	19.53	19.69	(0.81)	19.21	6.66
Tangible Book Value	7.21	7.25	(0.50)	6.85	20.97
Diluted EPS Before Extra	0.03	0.07	(57.14)	(0.14)	NM
Diluted EPS After Extra	0.03	0.07	(57.14)	(0.14)	NM
Dividends Declared	0.0500	0.2600	(80.77)	0.0500	0.00

Performance Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
ROAA	0.20	0.19	1	(0.23)	43
ROAE	1.38	1.49	(11)	(1.60)	298
Net Interest Margin	3.64	3.60	4	3.52	12
Loans / Deposits	106.74	100.84	589	106.43	31
Efficiency Ratio	61.48	78.38	(1,690)	74.64	(1,316)

Balance Sheet Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	7.26	4.96	230	6.90	37
Equity/ Assets	14.49	12.43	206	14.06	43
Asset Quality Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Nonperforming Assets/ Assets	2.05	0.80	125	1.85	21
Loan Loss Reserves/ Gross Loans	1.71	1.12	59	1.59	12
Loan Loss Reserves/ NPAs	60.19	96.61	(3,641)	61.54	(134)
Net Charge-offs/ Avg Loans	1.50	0.35	115	1.00	49

Regulatory Capital Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tier 1 Capital Ratio	11.05	8.63	242	10.69	36

^† 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.