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Financial Highlights

Financial Highlights
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 26,234,973 19,882,539 31.95 20,370,653 115.15
Total Net Loans 18,403,265 13,929,459 32.12 14,204,149 118.25
Total Deposits 19,893,843 14,404,085 38.11 14,014,168 167.82
Equity Attributable to Parent Company 4,197,855 3,333,858 25.92 3,343,702 102.18
Total Equity 4,197,855 3,333,858 25.92 3,343,702 102.18
Profitability (%)
Net Income($000) 52,686 67,207 (21.61) 40,183 124.46
Net Income Attributable to Parent($000) 52,686 67,207 (21.61) 40,183 124.46
ROAA 0.86 1.38 (52) bp 0.82 4 bp
Core ROAA 1.47 1.49 (2) bp 0.85 62 bp
ROAE 5.37 8.09 (272) bp 4.80 57 bp
ROATCE 9.55 15.14 (559) bp 8.96 59 bp
Core ROAE 9.13 8.74 39 bp 4.96 417 bp
Net Interest Margin 3.15 3.51 (36) bp 3.27 (12) bp
Reported: Net Interest Margin 3.18 3.53 (35) bp 3.30 (12) bp
Efficiency Ratio 38.94 48.48 (954) bp 54.63 (1,569) bp
Noninterest Inc/ Operating Rev 33.74 20.86 1,288 bp 20.02 1,372 bp
Balance Sheet Ratios (%)
Loans/ Deposits 90.44 94.66 (422) bp 98.87 (843) bp
Securities/ Assets 11.71 12.94 (123) bp 13.17 (146) bp
Total Equity/ Total Assets 16 16.77 (77) bp 16.41 (41) bp
Tangible Equity/ Tangible Assets 9.72 9.92 (20) bp 9.74 (2) bp
Tang Common Equity/ Tang Assets 9.72 9.92 (20) bp 9.74 (2) bp
Asset Quality (%)
NPAs/ Assets 0.67 0.73 (6) bp 0.69 (2) bp
NPA Excl Restructured/ Assets 0.60 0.67 (7) bp 0.65 (5) bp
NPAs & 90+ PD/ Assets 0.71 0.79 (8) bp 0.73 (2) bp
NPAs/ Loans & REO 0.94 1.03 (9) bp 0.98 (4) bp
Nonaccrual & 90+ & OREO/ Assets 0.64 0.74 (10) bp 0.68 (4) bp
NPAs & 90+ PD/ Loans & REO 1 1.12 (12) bp 1.03 (3) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 7.20 8.27 (107) bp 7.45 (25) bp
NCOs/ Avg Loans 0.10 0.17 (7) bp 0.19 (9) bp
Loan Loss Reserves/ Gross Loans 1.16 0.55 61 bp 1.08 8 bp
Reserves/ NPAs 122.72 52.93 6,979 bp 109.60 1,312 bp
Loan Loss Provision/ NCO NM 91.77 NM 405.49 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,421,512 1,842,772 31.41 1,903,111 108.96
Tier 1 Capital($000) 2,421,512 1,842,772 31.41 1,903,111 108.96
Tier 2 Capital($000) 422,943 326,152 29.68 342,615 93.78
Total Capital($000) 2,844,455 2,168,924 31.15 2,245,726 106.64
Total Risk-weighted Assets($000) 19,253,751 15,145,348 27.13 15,523,272 96.13
Tier 1 Common Capital (CET1) Ratio(%) 12.58 12.17 41 bp 12.26 32 bp
Tier 1 Ratio(%) 12.58 12.17 41 bp 12.26 32 bp
Total Capital Ratio(%) 14.77 14.32 45 bp 14.47 30 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.67 10.18 49 bp 10.44 23 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 129,755,395 101,963,030 27.26 101,723,600 110.23
Avg Diluted Shares(actual) 119,887,823 102,047,845 17.48 101,399,181 72.93
Basic Book Value per Share 32.35 32.70 (1.07) 32.87 (6.33)
Book Value per Share, As Reported 32.35 32.70 (1.07) 32.87 (6.33)
Basic Tangible Book Value per Share 18.29 17.87 2.35 18.06 5.09
Tangible Book Value per Share, As Reported 18.28 17.87 2.29 18.06 4.87
Common Dividends Declared per Share 0.35 0.34 2.94 0.35 0
EPS after Extra 0.44 0.66 (33.33) 0.40 40
EPS after Extra Growth(%) (33.30) 4.80 (3,809) bp (35.50) 215 bp
Core EPS 0.75 0.71 5.63 0.41 331.71
Core EPS Growth(%) 5 10.40 (538) bp (34.30) 3,932 bp
Diluted EPS before Amortization 0.45 0.68 (33.82) 0.42 28.57
Pre-Provision Earnings per Share 1.02 0.74 37.84 0.61 268.85

   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.