Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 27,540,382 28,846,809 26,939,781 25,680,447 24,771,406
Total Net Loans 21,441,599 21,551,486 20,444,256 19,138,102 17,693,917
Total Deposits 22,699,375 22,481,504 21,137,486 19,948,300 19,020,985
Equity Attributable to Parent Company 2,507,611 4,313,915 4,056,442 3,969,367 3,875,082
Total Equity 2,507,611 4,313,915 4,056,442 3,969,367 3,875,082
Profitability (%)
Net Income($000) (1,851,947) 354,095 316,263 242,313 230,068
Net Income Attributable to Parent($000) (1,851,947) 354,095 316,263 242,313 230,068
ROAA (25.68) 1.27 1.21 0.97 0.96
Core ROAA (6.12) 1.09 1.29 0.92 1.03
ROAE (173.99) 8.42 7.90 6.17 5.97
ROATCE (52.78) 14.97 14.68 11.70 11.62
Core ROAE (41.47) 7.23 8.43 5.90 6.44
Net Interest Margin 3.41 3.71 4.04 3.94 4.02
Reported: Net Interest Margin 3.41 3.71 4.04 3.94 4.02
Efficiency Ratio 68.16 59.17 58.16 62.95 61.97
Noninterest Inc/ Operating Rev 15.46 22.17 22.59 24.34 26.42
Balance Sheet Ratios (%)
Loans/ Deposits 93.62 94.28 96.62 95.34 91.69
Securities/ Assets 11.01 10.21 11.47 12.34 11.30
Total Equity/ Total Assets 9.11 14.95 15.06 15.46 15.64
Tangible Equity/ Tangible Assets 9.03 9.26 8.92 9.02 8.94
Tang Common Equity/ Tang Assets 9.03 9.26 8.92 9.02 8.94
Asset Quality (%)
NPAs/ Assets 0.23 0.17 0.28 0.37 0.30
NPA Excl Restructured/ Assets 0.15 0.10 0.23 0.25 0.14
NPAs & 90+ PD/ Assets 0.40 0.30 0.42 0.49 0.42
NPAs/ Loans & REO 0.29 0.22 0.37 0.49 0.42
Nonaccrual & 90+ & OREO/ Assets 0.32 0.23 0.36 0.37 0.25
NPAs & 90+ PD/ Loans & REO 0.51 0.40 0.54 0.65 0.58
NPA & Loans 90+/ Tangible Common Equity + LLR 3.96 3.24 4.70 5.51 4.71
NCOs/ Avg Loans 0.40 0.28 0.26 0.22 0.22
Loan Loss Reserves/ Gross Loans 1.34 0.73 0.70 0.73 0.75
Reserves/ NPAs 464.87 327.61 191.36 147.61 179.58
Loan Loss Provision/ NCO 543.92 121.35 108.25 116.30 109.63
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,382,879 2,490,709 2,315,750 2,238,540 2,108,948
Tier 1 Capital($000) 2,382,879 2,490,709 2,315,750 2,238,540 2,108,948
Tier 2 Capital($000) 686,442 613,735 600,393 605,721 598,745
Total Capital($000) 3,069,321 3,104,444 2,916,143 2,844,261 2,707,693
Total Risk-weighted Assets($000) 22,369,636 22,240,813 21,590,997 20,225,109 18,394,707
Tier 1 Common Capital (CET1) Ratio(%) 10.65 11.20 10.73 11.07 11.47
Tier 1 Ratio(%) 10.65 11.20 10.73 11.07 11.47
Total Capital Ratio(%) 13.72 13.96 13.51 14.06 14.72
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.25 9.16 9.31 9.38 9.21
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 220,175,120 220,229,282 220,255,039 220,148,824 220,177,030
Avg Diluted Shares(actual) 220,216,000 220,650,000 220,737,000 220,836,000 220,908,000
Basic Book Value per Share 11.39 19.59 18.42 18.03 17.60
Book Value per Share, As Reported NA 19.59 18.42 18.03 17.60
Basic Tangible Book Value per Share 11.29 11.36 10.17 9.77 9.31
Tangible Book Value per Share, As Reported NA 11.39 10.19 9.77 9.31
Common Dividends Declared per Share 0.21 0.84 0.82 0.68 0.64
EPS after Extra (8.41) 1.60 1.43 1.10 1.04
EPS after Extra Growth(%) NM 11.90 30 5.80 13
Core EPS (2) 1.37 1.53 1.05 1.12
Core EPS Growth(%) NM (9.90) 45 (6.20) 4.10
Diluted EPS before Amortization (0.30) 1.63 1.46 1.13 1.08
Pre-Provision Earnings per Share (6.11) 1.69 1.78 1.22 1.24
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