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Financial Highlights

Financial Highlights
2020 FQ1
3/31/2020
2019 FQ1
3/31/2019
Y-Y Ch (%)
2019 FQ4
12/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 20,370,653 19,645,133 3.69 19,662,324 14.41
Total Net Loans 14,204,149 13,741,580 3.37 14,022,586 5.18
Total Deposits 14,014,168 14,159,397 (1.03) 13,852,421 4.67
Equity Attributable to Parent Company 3,343,702 3,286,891 1.73 3,363,833 (2.39)
Total Equity 3,343,702 3,286,891 1.73 3,363,833 (2.39)
Profitability (%)
Net Income($000) 40,183 63,642 (36.86) 63,285 (146.02)
Net Income Attributable to Parent($000) 40,183 63,642 (36.86) 63,285 (146.02)
ROAA 0.82 1.32 (50) bp 1.30 (48) bp
Core ROAA 0.85 1.34 (49) bp 1.31 (46) bp
ROAE 4.80 7.77 (297) bp 7.48 (268) bp
ROATCE 8.96 14.72 (576) bp 13.75 (479) bp
Core ROAE 4.96 7.90 (294) bp 7.53 (257) bp
Net Interest Margin 3.27 3.42 (15) bp 3.30 (3) bp
Reported: Net Interest Margin 3.30 3.46 (16) bp 3.29 1 bp
Efficiency Ratio 54.63 49.02 561 bp 52.43 220 bp
Noninterest Inc/ Operating Rev 20.02 17.59 243 bp 20.06 (4) bp
Balance Sheet Ratios (%)
Loans/ Deposits 98.87 95.86 301 bp 98.99 (12) bp
Securities/ Assets 13.17 13.24 (7) bp 13.63 (46) bp
Total Equity/ Total Assets 16.41 16.73 (32) bp 17.11 (70) bp
Tangible Equity/ Tangible Assets 9.74 9.78 (4) bp 10.22 (48) bp
Tang Common Equity/ Tang Assets 9.74 9.78 (4) bp 10.22 (48) bp
Asset Quality (%)
NPAs/ Assets 0.69 0.70 (1) bp 0.70 (1) bp
NPA Excl Restructured/ Assets 0.65 0.65 0 bp 0.65 0 bp
NPAs & 90+ PD/ Assets 0.73 0.78 (5) bp 0.75 (2) bp
NPAs/ Loans & REO 0.98 0.99 (1) bp 0.97 1 bp
Nonaccrual & 90+ & OREO/ Assets 0.68 0.73 (5) bp 0.69 (1) bp
NPAs & 90+ PD/ Loans & REO 1.03 1.11 (8) bp 1.04 (1) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 7.45 8.28 (83) bp 7.58 (13) bp
NCOs/ Avg Loans 0.19 0.14 5 bp 0.17 2 bp
Loan Loss Reserves/ Gross Loans 1.08 0.56 52 bp 0.55 53 bp
Reserves/ NPAs 109.60 55.97 5,363 bp 56.21 5,339 bp
Loan Loss Provision/ NCO 405.49 103.80 30,169 bp 99.31 30,618 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,903,111 1,812,954 4.97 1,890,757 2.61
Tier 1 Capital($000) 1,903,111 1,812,954 4.97 1,890,757 2.61
Tier 2 Capital($000) 342,615 326,347 4.98 326,790 19.37
Total Capital($000) 2,245,726 2,139,301 4.97 2,217,547 5.08
Total Risk-weighted Assets($000) 15,523,272 15,079,209 2.94 15,085,144 11.62
Tier 1 Common Capital (CET1) Ratio(%) 12.26 12.02 24 bp 12.53 (27) bp
Tier 1 Ratio(%) 12.26 12.02 24 bp 12.53 (27) bp
Total Capital Ratio(%) 14.47 14.19 28 bp 14.70 (23) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.44 10.16 28 bp 10.48 (4) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 101,723,600 102,118,029 (0.39) 101,553,671 0.67
Avg Diluted Shares(actual) 101,399,181 102,162,704 (0.75) 101,537,640 (0.55)
Basic Book Value per Share 32.87 32.19 2.11 33.12 (3.02)
Book Value per Share, As Reported 32.87 32.19 2.11 33.12 (3.02)
Basic Tangible Book Value per Share 18.06 17.37 3.97 18.27 (4.60)
Tangible Book Value per Share, As Reported 18.06 17.37 3.97 18.27 (4.60)
Common Dividends Declared per Share 0.35 0.34 2.94 0.35 0
EPS after Extra 0.40 0.62 (35.48) 0.62 (141.94)
EPS after Extra Growth(%) (35.50) 5.10 (4,056) bp 0 (3,548) bp
Core EPS 0.41 0.63 (34.92) 0.62 (135.48)
Core EPS Growth(%) (34.30) 3.50 (3,782) bp (0.60) (3,377) bp
Diluted EPS before Amortization 0.42 0.64 (34.38) 0.64 (137.50)
Pre-Provision Earnings per Share 0.61 0.66 (7.58) 0.62 (6.45)

   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.