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Financial Highlights

Financial Highlights
2019 FQ1
3/31/2019
2018 FQ1
3/31/2018
Y-Y Ch (%)
2018 FQ4
12/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 19,645,133 18,619,702 5.51 19,250,498 8.20
Total Net Loans 13,741,580 13,101,679 4.88 13,595,365 4.30
Total Deposits 14,159,397 13,646,168 3.76 13,994,749 4.71
Equity Attributable to Parent Company 3,286,891 3,251,313 1.09 3,251,624 4.34
Total Equity 3,286,891 3,251,313 1.09 3,251,624 4.34
Profitability (%)
Net Income($000) 63,642 61,706 3.14 63,950 (1.93)
Net Income Attributable to Parent($000) 63,642 61,706 3.14 63,950 (1.93)
ROAA 1.32 1.33 (1) bp 1.34 (2) bp
Core ROAA 1.34 1.37 (3) bp 1.36 (2) bp
ROAE 7.77 7.54 23 bp 7.84 (7) bp
ROATCE 14.72 14.44 28 bp 14.98 (26) bp
Core ROAE 7.90 7.78 12 bp 7.94 (4) bp
Net Interest Margin 3.42 3.55 (13) bp 3.50 (8) bp
Reported: Net Interest Margin 3.46 3.61 (15) bp 3.50 (4) bp
Efficiency Ratio 49.02 49.48 (46) bp 49.77 (75) bp
Noninterest Inc/ Operating Rev 17.59 18.03 (44) bp 16.50 109 bp
Balance Sheet Ratios (%)
Loans/ Deposits 95.86 95.15 71 bp 95.91 (5) bp
Securities/ Assets 13.24 12.23 101 bp 13.26 (2) bp
Total Equity/ Total Assets 16.73 17.46 (73) bp 16.89 (16) bp
Tangible Equity/ Tangible Assets 9.78 10.12 (34) bp 9.79 (1) bp
Tang Common Equity/ Tang Assets 9.78 10.12 (34) bp 9.79 (1) bp
Asset Quality (%)
NPAs/ Assets 0.70 0.92 (22) bp 0.75 (5) bp
NPA Excl Restructured/ Assets 0.65 0.84 (19) bp 0.70 (5) bp
NPAs & 90+ PD/ Assets 0.78 0.97 (19) bp 0.83 (5) bp
NPAs/ Loans & REO 0.99 1.30 (31) bp 1.05 (6) bp
Nonaccrual & 90+ & OREO/ Assets 0.73 0.89 (16) bp 0.78 (5) bp
NPAs & 90+ PD/ Loans & REO 1.11 1.37 (26) bp 1.17 (6) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 8.28 9.99 (171) bp 8.81 (53) bp
NCOs/ Avg Loans 0.14 0.16 (2) bp 0.18 (4) bp
Loan Loss Reserves/ Gross Loans 0.56 0.58 (2) bp 0.56 0 bp
Reserves/ NPAs 55.97 44.77 1,120 bp 53.21 276 bp
Loan Loss Provision/ NCO 103.80 100.50 330 bp 96.07 773 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,812,954 1,794,310 1.04 1,793,682 4.30
Tier 1 Capital($000) 1,812,954 1,794,310 1.04 1,793,682 4.30
Tier 2 Capital($000) 326,347 325,408 0.29 326,092 0.31
Total Capital($000) 2,139,301 2,119,718 0.92 2,119,774 3.68
Total Risk-weighted Assets($000) 15,079,209 14,498,198 4.01 14,746,355 9.03
Tier 1 Common Capital (CET1) Ratio(%) 12.02 12.38 (36) bp 12.16 (14) bp
Tier 1 Ratio(%) 12.02 12.38 (36) bp 12.16 (14) bp
Total Capital Ratio(%) 14.19 14.62 (43) bp 14.37 (18) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.16 10.48 (32) bp 10.13 3 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 102,118,029 105,141,170 (2.88) 102,323,488 (0.80)
Avg Diluted Shares(actual) 102,162,704 105,162,858 (2.85) 103,164,267 (3.88)
Basic Book Value per Share 32.19 30.92 4.11 31.78 5.16
Book Value per Share, As Reported 32.19 30.92 4.11 31.78 5.16
Basic Tangible Book Value per Share 17.37 16.45 5.59 16.97 9.43
Tangible Book Value per Share, As Reported 17.37 16.45 5.59 16.97 9.43
Common Dividends Declared per Share 0.34 0.34 0 0.34 0
EPS after Extra 0.62 0.59 5.08 0.62 0
EPS after Extra Growth(%) 5.10 22.90 (1,784) bp 264.70 (25,963) bp
Core EPS 0.63 0.61 3.28 0.63 0
Core EPS Growth(%) 3.50 30.50 (2,700) bp 14.10 (1,060) bp
Diluted EPS before Amortization 0.64 0.61 4.92 0.64 0
Pre-Provision Earnings per Share 0.66 0.64 3.13 0.65 6.15

   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.