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Financial Highlights

Financial Highlights
2019 FQ3
9/30/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 19,751,461 19,187,643 2.94 19,882,539 (2.64)
Total Net Loans 13,968,523 13,433,995 3.98 13,929,459 1.12
Total Deposits 14,095,411 14,091,172 0.03 14,404,085 (8.57)
Equity Attributable to Parent Company 3,354,342 3,251,128 3.17 3,333,858 2.46
Total Equity 3,354,342 3,251,128 3.17 3,333,858 2.46
Profitability (%)
Net Income($000) 65,965 64,412 2.41 67,207 (7.39)
Net Income Attributable to Parent($000) 65,965 64,412 2.41 67,207 (7.39)
ROAA 1.34 1.35 (1) bp 1.38 (4) bp
Core ROAA 1.37 1.39 (2) bp 1.49 (12) bp
ROAE 7.85 7.90 (5) bp 8.09 (24) bp
ROATCE 14.54 15.10 (56) bp 15.14 (60) bp
Core ROAE 8.01 8.11 (10) bp 8.74 (73) bp
Net Interest Margin 3.28 3.56 (28) bp 3.51 (23) bp
Reported: Net Interest Margin 3.27 3.56 (29) bp 3.53 (26) bp
Efficiency Ratio 50.04 49.75 29 bp 48.48 156 bp
Noninterest Inc/ Operating Rev 22.88 17.63 525 bp 20.86 202 bp
Balance Sheet Ratios (%)
Loans/ Deposits 96.72 94.22 250 bp 94.66 206 bp
Securities/ Assets 13.53 12.43 110 bp 12.94 59 bp
Total Equity/ Total Assets 16.98 16.94 4 bp 16.77 21 bp
Tangible Equity/ Tangible Assets 10.11 9.81 30 bp 9.92 19 bp
Tang Common Equity/ Tang Assets 10.11 9.81 30 bp 9.92 19 bp
Asset Quality (%)
NPAs/ Assets 0.75 0.78 (3) bp 0.73 2 bp
NPA Excl Restructured/ Assets 0.70 0.71 (1) bp 0.67 3 bp
NPAs & 90+ PD/ Assets 0.80 0.86 (6) bp 0.79 1 bp
NPAs/ Loans & REO 1.06 1.10 (4) bp 1.03 3 bp
Nonaccrual & 90+ & OREO/ Assets 0.75 0.79 (4) bp 0.74 1 bp
NPAs & 90+ PD/ Loans & REO 1.13 1.22 (9) bp 1.12 1 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 8.26 9.11 (85) bp 8.27 (1) bp
NCOs/ Avg Loans 0.12 0.15 (3) bp 0.17 (5) bp
Loan Loss Reserves/ Gross Loans 0.55 0.57 (2) bp 0.55 0 bp
Reserves/ NPAs 51.81 51.68 13 bp 52.93 (112) bp
Loan Loss Provision/ NCO 116.10 96.12 1,998 bp 91.77 2,433 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 1,810,817 NA 1,842,772 NA
Tier 1 Capital($000) NA 1,810,817 NA 1,842,772 NA
Tier 2 Capital($000) NA 326,085 NA 326,152 NA
Total Capital($000) NA 2,136,902 NA 2,168,924 NA
Total Risk-weighted Assets($000) NA 14,600,872 NA 15,145,348 NA
Tier 1 Common Capital (CET1) Ratio(%) 12.28 12.40 (12) bp 12.17 11 bp
Tier 1 Ratio(%) 12.28 12.40 (12) bp 12.17 11 bp
Total Capital Ratio(%) 14.44 14.64 (20) bp 14.32 12 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.20 10.26 (6) bp 10.18 2 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 101,555,696 103,805,836 (2.17) 101,963,030 (1.60)
Avg Diluted Shares(actual) 101,711,740 103,933,959 (2.14) 102,047,845 (1.32)
Basic Book Value per Share 33.03 31.32 5.46 32.70 4.04
Book Value per Share, As Reported 33.03 31.32 5.46 32.70 4.04
Basic Tangible Book Value per Share 18.16 16.71 8.68 17.87 6.49
Tangible Book Value per Share, As Reported 18.16 16.71 8.68 17.87 6.49
Common Dividends Declared per Share 0.34 0.34 0 0.34 0
EPS after Extra 0.65 0.62 4.84 0.66 (6.06)
EPS after Extra Growth(%) 4.80 14.80 (997) bp 4.80 8 bp
Core EPS 0.66 0.64 3.13 0.71 (28.17)
Core EPS Growth(%) 4.10 14.50 (1,038) bp 10.40 (623) bp
Diluted EPS before Amortization 0.67 0.64 4.69 0.68 (5.88)
Pre-Provision Earnings per Share 0.68 0.66 3.03 0.74 (32.43)

   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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