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Fourth Quarter 2020 Earnings Call Presentation. 26 January 2021

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(1)

26 January 2021

Fourth Quarter 2020

(2)

Forward-Looking Statements and Non-GAAP Financial Measures

1

Forward-looking statements in this report relating to

WesBanco’s plans, strategies, objectives, expectations, intentions and adequacy of resources, are made

pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The information contained in this report should be read in

conjunction with

WesBanco’s Form 10-K for the year ended December 31, 2019 and documents subsequently filed by WesBanco with the Securities and

Exchange Commission

(“SEC”), including WesBanco’s Form 10-Q for the quarters ended March 31, June 30, and September 30, 2020, which are available at

the

SEC’s website, www.sec.gov or at WesBanco’s website, www.WesBanco.com. Investors are cautioned that forward-looking statements, which are not

historical fact, involve risks and uncertainties, including those detailed in

WesBanco’s most recent Annual Report on Form 10-K filed with the SEC under “Risk

Factors” in Part I, Item 1A and under “Risk Factors” in Part II, Item 1A of WesBanco’s March 31, June 30, and September 30, 2020 Quarterly Reports on Form

10-Q. Such statements are subject to important factors that could cause actual results to differ materially from those contemplated by such statements,

including, without limitation, the effects of changing regional and national economic conditions including the effects of the COVID-19 pandemic; changes in

interest rates, spreads on earning assets and interest-bearing liabilities, and associated interest rate sensitivity; sources of liquidity available to WesBanco and

its related subsidiary operations; potential future credit losses and the credit risk of commercial, real estate, and consumer loan customers and their borrowing

activities; actions of the Federal Reserve Board, the Federal Deposit Insurance Corporation, the SEC, the Financial Institution Regulatory Authority, the

Municipal Securities Rulemaking Board, the Securities Investors Protection Corporation, and other regulatory bodies; potential legislative and federal and state

regulatory actions and reform, including, without limitation, the impact of the implementation of the Dodd-Frank Act; adverse decisions of federal and state

courts; fraud, scams and schemes of third parties; cyber-security breaches; competitive conditions in the financial services industry; rapidly changing technology

affecting financial services; marketability of debt instruments and corresponding impact on fair value adjustments; and/or other external developments materially

impacting

WesBanco’s operational and financial performance. WesBanco does not assume any duty to update forward-looking statements.

In addition to the results of operations presented in accordance with Generally Accepted Accounting Principles (GAAP), WesBanco's management uses, and

this presentation contains or references, certain non-GAAP financial measures, such as pre-tax pre-provision income, tangible common equity/tangible assets;

net income excluding after-tax restructuring and merger-related expenses; efficiency ratio; return on average assets; and return on average tangible equity.

WesBanco believes these financial measures provide information useful to investors in understanding our operational performance and business and

performance trends which facilitate comparisons with the performance of others in the financial services industry. Although WesBanco believes that these

non-GAAP financial measures enhance investors' understanding of WesBanco's business and performance, these non-non-GAAP financial measures should not be

considered an alternative to GAAP. The non-GAAP financial measures contained therein should be read in conjunction with the audited financial statements

and analysis as presented in the Annual Report on Form 10-K as well as the unaudited financial statements and analyses as presented in the Quarterly

Reports on Forms 10-Q for WesBanco and its subsidiaries, as well as other filings that the company has made with the SEC.

(3)

Q4 2020 Financial and Operational Highlights

2

Note: financial and operational highlights during the quarter ended December 31, 2020; loan growth includes approximately $726.3 million of loans funded through the Small Business Administration’s Paycheck Protection Program (“SBA PPP”), as established by the CARES Act; Old Line Bancshares, Inc. (“OLBK”) financial results included in WSBC results since merger consummation date of 11/22/2019

(1) Non-GAAP measure – please see reconciliation in appendix

WesBanco is well-capitalized with solid liquidity

and a strong balance sheet

Total risk-based capital ratio 17.57%

Strong growth in pre-tax, pre-provision income

Positive growth in both loans and deposits

Mortgage banking income increased due to a

high volume of originations

Continued emphasis on expense management

Financial center optimization strategy completed

Key credit quality metrics remained at low levels

and favorable to peer bank averages

Trust assets under management totaled a record

$5.0 billion

Pre-Tax, Pre-Provision Income

(1)

$64.8 million, +14.2% YoY

Net Income Available to Common

Shareholders and Diluted EPS

(1)

$50.6 million; $0.76/diluted share

Efficiency Ratio

(1)

57.06%

Mortgage Banking Income

$5.4 million, +84.0% YoY

Loan Growth

+5.1% YoY

Deposit Growth (x-CDs)

+20.8% YoY

(4)

Q4 2020 Key Metrics

3

Note: PTPP = pre-tax, pre-provision; OLBK financial results included in WSBC results since merger consummation date of 11/22/2019

(1) Non-GAAP measure – please see reconciliation in appendix (2) Excludes restructuring and merger-related expenses

H / (L)

H / (L)

H / (L)

12/31/20

12/31/19

09/30/20

12/31/20

12/31/19

Return on Average Assets

(1)(2)

1.22%

(8bp)

17bp

0.77%

(57bp)

PTPP Return on Average Assets

(1)(2)

1.56%

(6bp)

(8bp)

1.60%

(12bp)

Return on Average Tangible Equity

(1)(2)

13.28%

(96bp)

97bp

9.12%

(598bp)

PTPP Return on Average Tangible Equity

(1)(2)

17.00%

(78bp)

(200bp)

18.28%

(111bp)

Tangible Book Value per Share ($)

(1)

$21.75

0.9%

1.7%

$21.75

0.9%

Efficiency Ratio

(1)(2)

57.06%

(123bp)

183bp

56.38%

(30bp)

Net Interest Margin

3.31%

(24bp)

0bp

3.37%

(25bp)

Non-Performing Assets to Total Assets

0.25%

(10bp)

(1bp)

0.25%

(10bp)

Net Loan Charge-offs to Average Loans (annualized)

0.02%

(18bp)

2bp

0.06%

(3bp)

(5)

Total Loan Growth = 5.1%

Total Loan Growth = (1.8%) (un-annualized)

SBA PPP PayoffsComm'l Comm'l New Originations All Other Net Advances / (Paydow ns) Comm'l Avg Payoff Yield 4.56% Comm'l Avg New Yield 3.36%

SBA PPP PayoffsComm'l Comm'l New Originations All Other Net Advances / (Paydow ns)

Q4 2020 Total Portfolio Loans ($MM)

4

~6,850 SBA PPP loans from the

first rounds totaling ~$726MM

remaining

(as of 12/31/2020)

(recorded in C&I loan category)

Q4 residential real estate loan

levels were impacted by

retaining a smaller percentage

of the $351 million of Q4

mortgage origination dollar

volume (~50% refi) on the

balance sheet

Sales to the secondary market

increased significantly to ~65%

(vs. 40-50% historically)

Q4 consumer loans declined

17.6% YoY reflecting payoffs

driven by utilization of residential

mortgage refinancing and higher

personal savings

(6)

5

Customer Support Efforts During the Pandemic

Note: deferral data reflects loan deferrals accepted and closed by customers for each time period; the majority of hospitalit y loan-to-values are pre-pandemic

Pandemic-related loan deferral balances down ~90% from May 2020 peak

All retail deferrals targeted to run-off by 3/31/2021

Non-hospitality commercial deferrals targeted to run-off by 4/30/2021

The hospitality portfolio has been fully reviewed, and associated loan deferrals are

CARES Act qualified

Hospitality loan deferrals represent ~20% of total hospitality loans outstanding

Majority of hospitality deferrals could remain throughout 2021, however, if certain triggers

are met, loans could come off deferral earlier

Average loan-to-value ~67%

The Economic Aid Act added second draw SBA PPP loans to provide additional

assistance to borrowers who previously received a loan, including hotels which will be

eligible for a forgivable loan up to three and one half times their average monthly payroll

Pandemic-Related Loan Deferrals

May peak

07/31/2020

10/16/2020

12/31/2020

Commercial - All Other

$1,428

$550

$251

$4

Commercial - Hospitality

$605

$512

$256

$150

Residential Mortgages

$132

$31

$24

$16

HELOCs

$16

$4

$2

$0

Consumer

$10

$3

$2

$1

Total Deferrals

$2,191

$1,100

$535

$171

as % of total loans incl. PPP

(3/31, 6/30, 9/30, 12/31 respectively)

21.2%

9.9%

4.9%

1.6%

(7)

Fixed

Rate

34%

Variable

Rate

66%

4Q2020 Com mercial Loan Portfolio Index Mix

~$2.3MM of the commercial portf olio has f loors, with ~69% of these currently at their f loors of 4.22% (av g)

<3 Months 45% 3 to 24 Months 3% 24 to 48 Months 3% 48 to 60 Months 46% >60 Months 3% Variable Commercial Loan Repricing

4.75% 4.12% 4.25% 3.61% 3.55% 3.31% 0.99% 0.45% 0.63% 0.23% 0.22% 0.16% 4Q2019 1Q2020 2Q2020 3Q2020 4Q2020

Net Interest Margin & Components

YoY H/(L) (63)bp (64)bp (24)bp (54)bp (40)bp (6)bp Total Loan Yield

Total Earning Assets Yield

Net Interest Margin

Total Interest-Bearing Liabilities Cost Total Interest-Bearing Deposit Cost Purchase Accounting Accretion

Q4 2020 Net Interest Margin (NIM)

6

NIM negatively impacted by

the low interest rate

environment and flattening of

the yield curve

The

Federal Reserve Board’s

target federal funds rate was

reduced 225bp from July

2019 through March 2020

Aggressively reduced deposit

rates throughout 2020, which

helped to lower deposit

funding costs

Average FHLB borrowings of

$0.5B, with remaining average

life of less than one year,

down $0.9B year-over-year

Funding of SBA PPP loans

benefited NIM by a net 2bp

Note: OLBK financial results included in WSBC results since merger consummation date of 11/22/2019; commercial loan portfolio index mix excludes SBA PPP loans

(8)

Quarter Ending

% H / (L)

% H / (L)

($000s)

12/31/20

12/31/19

09/30/20

Trust fees

$6,754

0.8%

5.1%

Service charges on deposits

5,671

(20.9%)

6.4%

Electronic banking fees

4,424

2.0%

(7.4%)

Net securities brokerage revenue

1,402

0.6%

(18.7%)

Bank-owned life insurance

1,750

(7.0%)

(16.2%)

Mortgage banking income

5,442

84.0%

(35.9%)

Net securities gains

691

32.9%

(12.2%)

Net (loss)/gain on OREO & other assets

18

(70.5%)

(194.6%)

Other income

6,553

12.6%

30.9%

Total non-interest income

$32,705

6.1%

(5.5%)

Q4 2020 Non-Interest Income

7

Mortgage banking fees increased

due to a 75% year-over-year

increase in 1-to-4 family residential

mortgage origination dollar volume,

and the associated sale of ~65% of

those originations into the

secondary market

(40-50% historically)

Service charges on deposits were

lower year-over-year due to higher

consumer deposits associated with

CARES Act stimulus and lower

general consumer spending,

resulting in fewer eligible account

fees

Trust fees increased both

year-over-year and sequentially due to

higher levels of assets under

management due to both market

appreciation and organic growth

(9)

Quarter Ending

% H / (L)

% H / (L)

($000s)

12/31/20

12/31/19

09/30/20

Salaries and wages

$39,140

5.8%

2.1%

Employee benefits

10,608

7.2%

0.0%

Net occupancy

6,771

9.9%

(4.5%)

Equipment

6,810

22.3%

9.3%

Marketing

1,675

(18.6%)

6.2%

FDIC insurance

1,278

91.3%

(34.4%)

Amortization of intangible assets

3,327

14.1%

(0.6%)

Other operating expenses

17,976

7.1%

4.5%

Sub-total non-interest expense

$87,585

8.1%

1.4%

Restructuring & merger-related

484

(95.8%)

(86.6%)

Total non-interest expense

$88,069

(4.8%)

(2.1%)

Q4 2020 Non-Interest Expense

8

Total operating expenses remained

well-controlled through

company-wide efforts

Efficiency ratio improved 123bp

year-over-year to 57.06%

Total non-interest expense increased

year-over-year due to the additional

staffing and financial center locations

from the OLBK acquisition

Salaries and wages also reflect

mid-year annual salary increases

FDIC insurance expense reflects

higher assessment rate associated

with our larger asset level; plus, the

recording of a $0.7MM assessment

credit in the prior year period

Q4 restructuring charges from

financial center optimization plan

totaled $0.3MM, and merger-related

charges totaled $0.2MM

(10)

0.35%

0.26%

0.25%

0.26%

0.25%

0.62%

0.67%

0.64%

0.68%

12/31/2019

3/31/2020

6/30/2020

9/30/2020

12/31/2020

WSBC $10-25B Banks

Non-Performing Assets as % of Total Assets

0.20%

0.18%

0.07%

0.00%

0.02%

0.21%

0.22%

0.22%

0.20%

12/31/2019

3/31/2020

6/30/2020

9/30/2020

12/31/2020

WSBC $10-25B Banks

Net Charge-Offs as % of Average Loans

(Annualized)

0.51%

1.10%

1.52%

1.68%

1.72%

0.81%

1.28%

1.40%

1.50%

12/31/2019

3/31/2020

6/30/2020

9/30/2020

12/31/2020

WSBC $10-25B Banks

Allowance for Credit Losses as % of Total Loans

2.17%

2.09%

2.23%

3.25%

4.59%

3.07%

3.35%

3.47%

4.56%

12/31/2019

3/31/2020

6/30/2020

9/30/2020

12/31/2020

WSBC $10-25B Banks

Criticized & Classified Loans as % of Total Loans

Favorable asset quality measures compared to all U.S. banks with total

assets from $10B to $25B

Strong Legacy of Credit Quality

9

Note: financial data as of quarter ending for dates specified; Current Expected Credit Losses (“CECL”) accounting standard adopted January 1, 2020 by WSBC; peer bank

(11)

The increase in the allowance was related to the COVID-19 related adjustments

and changes in prepayment assumptions and the loan portfolio partially offset by

improvement in the macroeconomic forecast

Allowance coverage ratio of 1.72%, or, excluding SBA PPP loans, 1.85%

Excludes fair market value adjustments on previously acquired loans representing 0.37%

of total portfolio loans

Q4 2020 Current Expected Credit Loss (CECL)

10

Note: ACL at 12/31/2020 excludes off-balance sheet credit exposures of $9.5 million; on January 1, 2020, WSBC adopted the CECL account ing standard (prior to this date, the allowance for credit losses was calculated under the incurred method)

Economic

Factors

Portfolio

Changes / Other

Pandemic

Qualitative Factors

Changes to

macroeconomic

variables

Includes changes

in both quantitative

and qualitative

economic factors

Changes in

prepayment

speeds

Changes in

portfolio mix

Changes in

credit quality

Aging of existing

portfolio

($000s)

Qualitative

adjustments for

COVID-19

pandemic, regional

macroeconomic

factors, and

hospitality industry

classification loans

(12)

Tier 1 Risk-Based Capital Ratio

11

Strong Capital Position

Strong regulatory capital ratios significantly above both regulatory

requirements and well-capitalized levels; and, higher tangible equity levels

Enhanced by the August 2020 issuance of $150 million of preferred stock

Note: financial data as of quarter ending 12/31; current year data as of 12/31/2020; CECL accounting standard adopted January 1, 2020 by WSBC; peer bank group as of 9/30/20 includes all U.S. banks with total assets of $10B to $25B from S&P Global Market Intelligence (as of 1/15/2021) and represent simple averages

(1) Non-GAAP measure – please see reconciliation in appendix

5.94%

7.90%

5.88%

6.33%

6.73%

6.84%

7.35%

7.88%

7.95%

8.20%

8.79%

9.28%

10.02%

10.52%

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

Tangible Equity to Tangible Assets

(1)

10.43%

13.21%

11.12%

11.94%

12.68% 12.82% 13.06%

13.76% 13.35% 13.16%

14.12%

15.09%

12.89%

14.72%

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

Well-Capitalized

8.0%

Required

6.0%

Peers 13.20% Peers 9.66%

(13)
(14)

Reconciliation: Pre-Tax, Pre-Provision Income (PTPP) and Ratios

13

Note: Old Line Bancshares merger closed November 2019

($000s) 12/31/20 09/30/20 12/31/19 12/31/20 12/31/19

Income before Provision for Income Taxes $64,557 $48,974 $43,422 $145,079 $193,214

Provision for Credit Losses (209) 16,288 1,824 107,741 11,198

Pre-Tax, Pre-Provision Income ("PTPP") $64,348 $65,262 $45,246 $252,820 $204,412

Restructuring and Merger-Related Expense 484 3,608 11,522 9,725 16,397

PTPP (excluding restructuring and merger-related expense) $64,832 $68,870 $56,768 $262,545 $220,809

PTPP (excluding restructuring and merger-related expense) $64,832 $68,870 $56,768 $262,545 $220,809 Average Total Assets 16,546,761 16,719,717 13,919,430 16,442,704 12,853,920

PTPP Return on Average Assets 1.56% 1.64% 1.62% 1.60% 1.72%

PTPP (excluding restructuring and merger-related expense) $64,832 $68,870 $56,768 $262,545 $220,809

Amortization of Intangibles 3,327 3,346 2,916 13,411 10,340

PTPP before Amortization of Intangibles (excluding restructuring and merger-related expense) $68,159 $72,216 $59,684 $275,956 $231,149 Average Total Shareholders' Equity $2,744,936 $2,662,513 $2,329,121 $2,651,402 $2,119,995

Average Goodwill and Other Intangibles (net of deferred tax liability) (1,150,184) (1,150,549) (997,658) (1,141,528) (927,974)

Average Tangible Equity $1,594,752 $1,511,964 $1,331,463 $1,509,874 $1,192,021

PTPP Return on Average Tangible Equity 17.00% 19.00% 17.78% 18.28% 19.39%

Year-to-Date Quarter Ending

(15)

($000s, except shares and per share data) 12/31/20 09/30/20 12/31/19 12/31/20 12/31/19

Total Shareholders' Equity $2,756,737 $2,732,966 $2,593,921 $2,756,737 $2,593,921

Goodwill & Other Intangible Assets (net of deferred tax liability) (1,149,161) (1,150,939) (1,132,262) (1,149,161) (1,132,262)

Preferred Shareholders' Equity (144,484) (144,529) 0 (144,484) 0

Tangible Common Equity (period end) $1,463,092 $1,437,498 $1,461,659 $1,463,092 $1,461,659

Common Shares Outstanding (period end) (000s) 67,255 67,216 67,824 67,255 67,824

Tangible Book Value per Share ($) $21.75 $21.39 $21.55 $21.75 $21.55

Quarter Ending Year-to-Date

($000s, except earnings per share) 12/31/20 09/30/20 12/31/19 12/31/20 12/31/19

Net Income Available to Common Shareholders $50,210 $41,305 $36,376 $119,400 $158,873 Restructuring and Merger-Related Expense (net of tax) 383 2,850 9,102 7,683 12,954 Net Income Available to Common Shareholders (excluding restructuring and

merger-related expense) $50,593 $44,155 $45,478 $127,083 $171,827

Net Income Available to Common Shareholders per Diluted Share ($) $0.75 $0.61 $0.60 $1.77 $2.83 Restructuring and Merger-Related Expense (net of tax) 0.01 0.05 0.15 0.11 0.23 Net Income Available to Common Shareholders per Diluted Share ($) (excluding

restructuring and merger-related expense) $0.76 $0.66 $0.75 $1.88 $3.06

Average Common Shares Outstanding – Diluted (000s) 67,304 67,269 60,562 67,311 56,214

Quarter Ending Year-to-Date

Reconciliation: Net Income, EPS (Diluted), Tangible Book Value per Share

14

Note: Old Line Bancshares merger closed November 2019

(16)

($000s) 12/31/20 09/30/20 12/31/19 12/31/20 12/31/19

Non-Interest Expense $88,069 $89,943 $92,556 $354,845 $312,208

Restructuring & Merger-Related Expense (484) (3,608) (11,522) (9,725) (16,397) Non-Interest Expense (excluding restructuring and merger-related expense) $87,585 $86,335 $81,034 $345,120 $295,811

Net Interest Income (FTE-basis) $120,790 $121,705 $108,177 $483,999 $405,222

Non-Interest Income 32,705 34,612 30,838 128,185 116,716

Total Income $153,495 $156,317 $139,015 $612,184 $521,938

Efficiency Ratio 57.06% 55.23% 58.29% 56.38% 56.68%

Quarter Ending Year-to-Date

Reconciliation: Efficiency Ratio

15

Note: “efficiency ratio” is non-interest expense excluding restructuring and merger-related expense divided by total income; FTE represents fully taxable equivalent; Old Line

(17)

($000s) 12/31/20 09/30/20 12/31/19 12/31/20 12/31/19

Net Income Available to Common Shareholders $50,210 $41,305 $36,376 $119,400 $158,873

Restructuring and Merger-Related Expenses (net of tax) 383 2,850 9,102 7,683 12,954

Net Income Available to Common Shareholders (excluding restructuring and

merger-related expense) $50,593 $44,155 $45,478 $127,083 $171,827

Average Total Assets $16,546,761 $16,719,717 $13,919,430 $16,442,704 $12,853,920

Return on Average Assets (1) 1.21% 0.98% 1.04% 0.73% 1.24%

Return on Average Assets (excluding restructuring and merger-related expense) (1) 1.22% 1.05% 1.30% 0.77% 1.34%

Quarter Ending Year-to-Date

Reconciliation: Return on Average Assets

16

Note: Old Line Bancshares merger closed November 2019

(18)

($000s) 12/31/20 09/30/20 12/31/19 12/31/20 12/31/19

Net Income Available to Common Shareholders $50,210 $41,305 $36,376 $119,400 $158,873

Amortization of Intangibles (tax effected at 21%) 2,628 2,643 2,304 10,595 8,169 Net Income Available to Common Shareholders before Amortization of Intangibles $52,838 $43,948 $38,680 $129,995 $167,042 Restructuring and Merger-Related Expenses (net of tax) 383 2,850 9,102 7,683 12,954 Net Income Available to Common Shareholders before Amortization of Intangibles (excluding

restructuring and merger-related expense) $53,221 $46,798 $47,782 $137,678 $179,996

Average Total Shareholders' Equity $2,744,936 $2,662,513 $2,329,121 $2,651,402 $2,119,995

Average Goodwill and Other Intangibles (net of deferred tax liability) (1,150,184) (1,150,549) (997,658) (1,141,528) (927,974) Average Tangible Equity $1,594,752 $1,511,964 $1,331,463 $1,509,874 $1,192,021

Return on Average Tangible Equity (1) 13.18% 11.56% 11.53% 8.61% 14.01%

Return on Average Tangible Equity (excluding restructuring and merger-related expense) (1) 13.28% 12.31% 14.24% 9.12% 15.10%

Quarter Ending Year-to-Date

Reconciliation: Return on Average Tangible Equity

17

Note: Old Line Bancshares merger closed November 2019

(19)

Reconciliation: Tangible Equity to Tangible Assets

18

Note: Old Line Bancshares merger closed November 2019; Farmers Capital Bank Corporation merger closed August 2018; First Sent ry Bancshares merger closed April 2018; Your Community Bankshares merger closed September 2016; ESB Financial merger closed February 2015; Fidelity Bancorp merger closed November 2012; AmTrust 5 branch acquisition closed March 2009; Oak Hill Financial closed November 2007

($000s) 12/31/07 12/31/08 12/31/09 12/31/10 12/31/11 12/31/12 12/31/13 12/31/14 12/31/15 12/31/16 12/31/17 12/31/18 12/31/19 12/31/20

Total Shareholders' Equity $580,319 $659,371 $588,716 $606,863 $633,790 $714,184 $746,595 $788,190 $1,122,132 $1,341,408 $1,395,321 $1,978,827 $2,593,921 $2,756,737 Goodwill and Other Intangible

Assets (net of deferred tax liability) (276,730) (267,883) (288,292) (285,559) (279,967) (320,399) (318,161) (316,914) (487,270) (586,403) (583,903) (906,887) (1,132,262) (1,149,161)

Tangible Equity $303,589 $391,488 $300,424 $321,304 $353,823 $393,785 $428,434 $471,276 $634,862 $755,005 $811,418 $1,071,940 $1,461,659 $1,607,576

Total Assets $5,384,326 $5,222,041 $5,397,352 $5,361,458 $5,536,030 $6,078,717 $6,144,773 $6,296,565 $8,470,298 $9,790,877 $9,816,178 $12,458,632 $15,720,112 $16,425,610 Goodwill and Other Intangible

Assets (net of deferred tax liability) (276,730) (267,883) (288,292) (285,559) (279,967) (320,399) (318,161) (316,914) (487,270) (586,403) (583,903) (906,887) (1,132,262) (1,149,161)

Tangible Assets $5,107,596 $4,954,158 $5,109,060 $5,075,899 $5,256,063 $5,758,318 $5,826,612 $5,979,651 $7,983,028 $9,204,474 $9,232,275 $11,551,745 $14,587,850 $15,276,449

Tangible Equity to Tangible Assets 5.94% 7.90% 5.88% 6.33% 6.73% 6.84% 7.35% 7.88% 7.95% 8.20% 8.79% 9.28% 10.02% 10.52%

References

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