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 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	9,827,279	9,438,183	4.12	9,499,821	13.79
Loans Held for Sale, before Reserves	NA	215,690	NA	363,884	NA
Loan Loss Reserve	172,368	113,749	51.53	168,570	9.01
Net Loans Receivable	9,654,911	9,540,124	1.20	9,695,135	(1.66)
Intangible Assets	1,061,544	1,071,595	(0.94)	1,064,147	(0.98)
Total Assets	13,689,262	13,682,988	0.05	13,659,154	0.88
Deposits	8,974,363	9,066,493	(1.02)	8,900,313	3.33
Debt, Senior and Subordinated	2,512,894	2,428,085	3.49	2,518,243	(0.85)
Common Equity	1,688,722	1,655,218	2.02	1,687,138	0.38
Total Shareholders' Equity	1,981,081	1,945,918	1.81	1,979,082	0.40
Shares Outstanding (actual)	86,473,612	86,174,285	0.35	86,394,320	0.37

Income Statement ($000)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Net Interest Income	108,639	99,801	8.86	104,802	14.64
Provision for Loan Losses	55,000	22,525	144.17	48,000	58.33
Noninterest Income	39,467	36,775	7.32	35,978	38.79
Noninterest Expense	92,953	89,148	4.27	91,535	6.20
Net Income Before Taxes	6,663	24,932	(73.28)	5,972	46.28
Provision for Taxes	(942)	5,908	NM	(850)	43.29
Net Income	7,605	19,024	(60.02)	6,822	45.91

Per Share Items ($)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Book Value per Share	19.53	19.21	1.67	19.53	0.00
Tangible Book Value	7.25	6.77	7.09	7.21	2.31
Diluted EPS Before Extra	0.04	0.21	(80.95)	0.03	133.33
Diluted EPS After Extra	0.04	0.21	(80.95)	0.03	133.33
Dividends Declared	0.0100	0.2600	(96.15)	0.0500	(320.00)

Performance Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
ROAA	0.22	0.56	(34)	0.20	2
ROAE	1.53	4.37	(284)	1.38	15
Net Interest Margin	3.77	3.52	25	3.64	13
Loans / Deposits	109.50	104.10	540	106.74	277
Efficiency Ratio	58.80	63.79	(499)	61.48	(268)

Balance Sheet Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	7.28	6.93	35	7.26	2
Equity/ Assets	14.47	14.22	25	14.49	(2)
Asset Quality Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Nonperforming Assets/ Assets	2.21	0.86	134	2.05	16
Loan Loss Reserves/ Gross Loans	1.75	1.18	58	1.71	4
Loan Loss Reserves/ NPAs	57.06	96.24	(3,918)	60.19	(314)
Net Charge-offs/ Avg Loans	2.08	0.60	147	1.50	58

Regulatory Capital Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Tier 1 Capital Ratio	11.11	11.17	(6)	11.05	6

^† 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.