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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 17,847,376 16,897,655 5.62 17,562,990 6.48
Total Net Loans 12,704,488 11,940,195 6.40 12,624,047 2.55
Total Deposits 13,553,035 12,489,330 8.52 13,304,981 7.46
Equity Attributable to Parent Company 2,425,450 2,459,465 (1.38) 2,513,102 (13.95)
Total Equity 2,425,450 2,459,465 (1.38) 2,513,102 (13.95)
Profitability (%)
Net Income($000) 7,089 35,631 (80.10) 55,836 (349.22)
Net Income Attributable to Parent($000) 7,089 35,631 (80.10) 55,836 (349.22)
ROAA 0.16 0.91 (75) bp 1.28 (112) bp
Core ROAA 0.21 1.36 (115) bp 1.39 (118) bp
ROAE 1.14 6.28 (514) bp 8.88 (774) bp
ROATCE 2.86 11.36 (850) bp 15.79 (1,293) bp
Core ROAE 1.50 9.45 (795) bp 9.64 (814) bp
Net Interest Margin 3.54 3.75 (21) bp 3.57 (3) bp
Reported: Net Interest Margin 3.56 3.80 (24) bp 3.55 1 bp
Efficiency Ratio 55.01 53.94 107 bp 52.26 275 bp
Noninterest Inc/ Operating Rev 16.65 16.27 38 bp 17.58 (93) bp
Balance Sheet Ratios (%)
Loans/ Deposits 94.21 95.70 (149) bp 94.78 (57) bp
Securities/ Assets 14.88 16.60 (172) bp 14.98 (10) bp
Total Equity/ Total Assets 13.59 14.56 (97) bp 14.31 (72) bp
Tangible Equity/ Tangible Assets 8.43 9.09 (66) bp 9.08 (65) bp
Tang Common Equity/ Tang Assets 8.43 9.09 (66) bp 9.08 (65) bp
Asset Quality (%)
NPAs/ Assets 0.35 0.31 4 bp 0.28 7 bp
NPA Excl Restructured/ Assets 0.27 0.19 8 bp 0.19 8 bp
NPAs & 90+ PD/ Assets 0.43 0.38 5 bp 0.35 8 bp
NPAs/ Loans & REO 0.49 0.44 5 bp 0.38 11 bp
Nonaccrual & 90+ & OREO/ Assets 0.34 0.26 8 bp 0.26 8 bp
NPAs & 90+ PD/ Loans & REO 0.59 0.53 6 bp 0.49 10 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 4.88 4.31 57 bp 4.01 87 bp
NCOs/ Avg Loans 0.16 0.15 1 bp 0.15 1 bp
Loan Loss Reserves/ Gross Loans 1.10 0.34 76 bp 0.33 77 bp
Reserves/ NPAs 222.71 77.03 14,568 bp 86.98 13,573 bp
Loan Loss Provision/ NCO NM 94.86 NM 67.01 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,395,227 1,392,809 0.17 1,437,908 (11.87)
Tier 1 Capital($000) 1,395,227 1,392,809 0.17 1,437,908 (11.87)
Tier 2 Capital($000) 375,361 334,764 12.13 335,927 46.96
Total Capital($000) 1,770,588 1,727,573 2.49 1,773,835 (0.73)
Total Risk-weighted Assets($000) 14,326,680 13,577,766 5.52 14,042,949 8.08
Tier 1 Common Capital (CET1) Ratio(%) 9.74 10.26 (52) bp 10.24 (50) bp
Tier 1 Ratio(%) 9.74 10.26 (52) bp 10.24 (50) bp
Total Capital Ratio(%) 12.36 12.72 (36) bp 12.63 (27) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.44 9.51 (107) bp 8.79 (35) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 78,710,448 82,037,354 (4.06) 80,001,185 (6.45)
Avg Diluted Shares(actual) 79,317,382 76,533,066 3.64 80,502,269 (5.89)
Basic Book Value per Share 30.81 29.98 2.77 31.41 (7.64)
Book Value per Share, As Reported 30.99 30.16 2.75 31.58 (7.47)
Basic Tangible Book Value per Share 18.05 17.59 2.62 18.80 (15.96)
Tangible Book Value per Share, As Reported 18.15 17.69 2.60 18.90 (15.87)
Common Dividends Declared per Share 0.25 0.23 8.70 0.25 0
EPS after Extra 0.09 0.47 (80.85) 0.69 (347.83)
EPS after Extra Growth(%) (80.90) 88 (16,885) bp 3 (8,384) bp
Core EPS 0.12 0.71 (83.10) 0.75 (336)
Core EPS Growth(%) (83.20) 18.40 (10,166) bp 3.70 (8,694) bp
Diluted EPS before Amortization 0.15 0.53 (71.70) 0.75 (320)
Pre-Provision Earnings per Share 0.67 0.67 0 0.70 (17.14)

   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.