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Financial Highlights

Financial Highlights
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 19,662,324 19,250,498 2.14 19,751,461 (1.81)
Total Net Loans 14,022,586 13,595,365 3.14 13,968,523 1.55
Total Deposits 13,852,421 13,994,749 (1.02) 14,095,411 (6.90)
Equity Attributable to Parent Company 3,363,833 3,251,624 3.45 3,354,342 1.13
Total Equity 3,363,833 3,251,624 3.45 3,354,342 1.13
Profitability (%)
Net Income($000) 63,285 63,950 (1.04) 65,965 (16.25)
Net Income Attributable to Parent($000) 63,285 63,950 (1.04) 65,965 (16.25)
ROAA 1.30 1.34 (4) bp 1.34 (4) bp
Core ROAA 1.31 1.36 (5) bp 1.37 (6) bp
ROAE 7.48 7.84 (36) bp 7.85 (37) bp
ROATCE 13.75 14.98 (123) bp 14.54 (79) bp
Core ROAE 7.53 7.94 (41) bp 8.01 (48) bp
Net Interest Margin 3.30 3.50 (20) bp 3.28 2 bp
Reported: Net Interest Margin 3.29 3.50 (21) bp 3.27 2 bp
Efficiency Ratio 52.43 49.77 266 bp 50.04 239 bp
Noninterest Inc/ Operating Rev 20.06 16.50 356 bp 22.88 (282) bp
Balance Sheet Ratios (%)
Loans/ Deposits 98.99 95.91 308 bp 96.72 227 bp
Securities/ Assets 13.63 13.26 37 bp 13.58 5 bp
Total Equity/ Total Assets 17.11 16.89 22 bp 16.98 13 bp
Tangible Equity/ Tangible Assets 10.22 9.79 43 bp 10.11 11 bp
Tang Common Equity/ Tang Assets 10.22 9.79 43 bp 10.11 11 bp
Asset Quality (%)
NPAs/ Assets 0.70 0.75 (5) bp 0.75 (5) bp
NPA Excl Restructured/ Assets 0.65 0.70 (5) bp 0.70 (5) bp
NPAs & 90+ PD/ Assets 0.75 0.83 (8) bp 0.80 (5) bp
NPAs/ Loans & REO 0.97 1.05 (8) bp 1.06 (9) bp
Nonaccrual & 90+ & OREO/ Assets 0.69 0.78 (9) bp 0.75 (6) bp
NPAs & 90+ PD/ Loans & REO 1.04 1.17 (13) bp 1.13 (9) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 7.58 8.81 (123) bp 8.26 (68) bp
NCOs/ Avg Loans 0.17 0.18 (1) bp 0.12 5 bp
Loan Loss Reserves/ Gross Loans 0.55 0.56 (1) bp 0.55 0 bp
Reserves/ NPAs 56.21 53.21 300 bp 51.81 440 bp
Loan Loss Provision/ NCO 99.31 96.07 324 bp 116.10 (1,679) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,890,757 1,793,682 5.41 1,860,424 6.52
Tier 1 Capital($000) 1,890,757 1,793,682 5.41 1,860,424 6.52
Tier 2 Capital($000) 326,790 326,092 0.21 326,874 (0.10)
Total Capital($000) 2,217,547 2,119,774 4.61 2,187,298 5.53
Total Risk-weighted Assets($000) 15,085,144 14,746,355 2.30 15,149,536 (1.70)
Tier 1 Common Capital (CET1) Ratio(%) 12.53 12.16 37 bp 12.28 25 bp
Tier 1 Ratio(%) 12.53 12.16 37 bp 12.28 25 bp
Total Capital Ratio(%) 14.70 14.37 33 bp 14.44 26 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.48 10.13 35 bp 10.20 28 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 101,553,671 102,323,488 (0.75) 101,555,696 (0.01)
Avg Diluted Shares(actual) 101,537,640 103,164,267 (1.58) 101,711,740 (0.68)
Basic Book Value per Share 33.12 31.78 4.22 33.03 1.09
Book Value per Share, As Reported 33.12 31.78 4.22 33.03 1.09
Basic Tangible Book Value per Share 18.27 16.97 7.66 18.16 2.42
Tangible Book Value per Share, As Reported 18.27 16.97 7.66 18.16 2.42
Common Dividends Declared per Share 0.35 0.34 2.94 0.34 11.76
EPS after Extra 0.62 0.62 0 0.65 (18.46)
EPS after Extra Growth(%) 0 264.70 (26,471) bp 4.80 (484) bp
Core EPS 0.62 0.63 (1.59) 0.66 (24.24)
Core EPS Growth(%) (0.60) 14.10 (1,465) bp 4.10 (470) bp
Diluted EPS before Amortization 0.64 0.64 0 0.67 (17.91)
Pre-Provision Earnings per Share 0.62 0.65 (4.62) 0.68 (35.29)

   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.