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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 19,752,317 17,159,384 15.11 17,847,376 42.69
Total Net Loans 14,193,736 12,240,959 15.95 12,704,488 46.89
Total Deposits 15,605,139 12,515,544 24.69 13,553,035 60.57
Equity Attributable to Parent Company 2,784,590 2,512,295 10.84 2,425,450 59.23
Total Equity 2,784,590 2,512,295 10.84 2,425,450 59.23
Profitability (%)
Net Income($000) 30,709 48,823 (37.10) 7,089 1,332.77
Net Income Attributable to Parent($000) 30,709 48,823 (37.10) 7,089 1,332.77
ROAA 0.64 1.15 (51) bp 0.16 48 bp
Core ROAA 0.60 1.46 (86) bp 0.21 39 bp
ROAE 4.93 7.84 (291) bp 1.14 379 bp
ROATCE 9.41 14.30 (489) bp 2.86 655 bp
Core ROAE 4.60 9.95 (535) bp 1.50 310 bp
Net Interest Margin 3.28 3.77 (49) bp 3.54 (26) bp
Reported: Net Interest Margin 3.29 3.78 (49) bp 3.56 (27) bp
Efficiency Ratio 57.47 50.93 654 bp 55.01 246 bp
Noninterest Inc/ Operating Rev 15.71 18.05 (234) bp 16.65 (94) bp
Balance Sheet Ratios (%)
Loans/ Deposits 91.69 97.64 (595) bp 94.21 (252) bp
Securities/ Assets 13.53 15.76 (223) bp 14.88 (135) bp
Total Equity/ Total Assets 14.10 14.64 (54) bp 13.59 51 bp
Tangible Equity/ Tangible Assets 9.51 9.28 23 bp 8.43 108 bp
Tang Common Equity/ Tang Assets 8.63 9.28 (65) bp 8.43 20 bp
Asset Quality (%)
NPAs/ Assets 0.30 0.31 (1) bp 0.35 (5) bp
NPA Excl Restructured/ Assets 0.22 0.20 2 bp 0.27 (5) bp
NPAs & 90+ PD/ Assets 0.40 0.36 4 bp 0.43 (3) bp
NPAs/ Loans & REO 0.41 0.43 (2) bp 0.49 (8) bp
Nonaccrual & 90+ & OREO/ Assets 0.32 0.25 7 bp 0.34 (2) bp
NPAs & 90+ PD/ Loans & REO 0.55 0.50 5 bp 0.59 (4) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 4.40 4.02 38 bp 4.88 (48) bp
NCOs/ Avg Loans 0.09 0.14 (5) bp 0.16 (7) bp
Loan Loss Reserves/ Gross Loans 1.18 0.35 83 bp 1.10 8 bp
Reserves/ NPAs 286.52 79.95 20,657 bp 222.71 6,381 bp
Loan Loss Provision/ NCO NM 138.37 NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,422,004 1,433,870 (0.83) 1,395,227 7.68
Tier 1 Capital($000) 1,588,367 1,433,870 10.77 1,395,227 55.37
Tier 2 Capital($000) 399,261 335,861 18.88 375,361 25.47
Total Capital($000) 1,987,628 1,769,732 12.31 1,770,588 49.03
Total Risk-weighted Assets($000) 14,502,454 13,616,951 6.50 14,326,680 4.91
Tier 1 Common Capital (CET1) Ratio(%) 9.81 10.53 (72) bp 9.74 7 bp
Tier 1 Ratio(%) 10.95 10.53 42 bp 9.74 121 bp
Total Capital Ratio(%) 13.71 13 71 bp 12.37 134 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.82 9 (18) bp 8.44 38 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 78,713,056 82,086,736 (4.11) 78,710,448 0.01
Avg Diluted Shares(actual) 78,722,690 82,125,194 (4.14) 79,317,382 (3)
Basic Book Value per Share 33.26 30.61 8.66 30.81 31.81
Book Value per Share, As Reported 31.32 30.78 1.75 30.99 4.26
Basic Tangible Book Value per Share 20.55 18.26 12.54 18.05 55.40
Tangible Book Value per Share, As Reported 18.54 18.36 0.98 18.15 8.60
Common Dividends Declared per Share 0.25 0.23 8.70 0.25 0
EPS after Extra 0.39 0.59 (33.90) 0.09 1,333.33
EPS after Extra Growth(%) (33.90) (18.10) (1,584) bp (80.90) 4,695 bp
Core EPS 0.36 0.75 (52) 0.12 800
Core EPS Growth(%) (51.40) 12.80 (6,422) bp (83.20) 3,183 bp
Diluted EPS before Amortization 0.44 0.65 (32.31) 0.15 773.33
Pre-Provision Earnings per Share 0.64 0.72 (11.11) 0.67 (17.91)

   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.


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