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24.04.2017 22:01:00
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Northwest Bancshares, Inc. Announces First Quarter 2017 Earnings and Quarterly Dividend
WARREN, Pa., April 24, 2017 /PRNewswire/ -- Northwest Bancshares, Inc. (NasdaqGS: NWBI) announced net income for the quarter ended March 31, 2017 of $17.7 million, or $0.17 per diluted share. This represents a decrease of $238,000 compared to the same quarter last year when net income was $18.0 million or $0.18 per diluted share. The annualized returns on average shareholders' equity and average assets for the quarter ended March 31, 2017 were 6.15% and 0.75% compared to 6.21% and 0.81% for the same quarter last year.
The Company also announced that its Board of Directors declared a quarterly cash dividend of $0.16 per share payable on May 18, 2017, to shareholders of record as of May 4, 2017. This is the 90th consecutive quarter in which the Company has paid a cash dividend. Based on the market value of the Company's stock as of March 31, 2017, this represents an annualized dividend yield of approximately 3.8%.
In making this announcement, William J. Wagner, President and CEO, noted, "We were disappointed with the first quarter earnings compared to both the same quarter last year and the fourth quarter of 2016 given the significant improvement we made to shareholder metrics during 2016. While our net interest margin remains near historic highs at 3.75%, and most components of noninterest income continue to grow, the quarter was negatively impacted by a higher provision for loan losses and a decrease in mortgage banking income. Additionally, net interest income was negatively impacted by the fewer number of days in the quarter while operating expenses were elevated due to seasonal issues. Given our current metrics, we recognize the area most in need of improvement is efficiency, which can best be addressed by reducing the ratio of expenses to assets. This challenge will receive considerable focus throughout 2017, as we strive to improve earnings each quarter and achieve our annual target for shareholder return."
Net interest income increased by $9.0 million, or 12.6%, to $80.6 million for the quarter ended March 31, 2017, from $71.6 million for the quarter ended March 31, 2016. This increase is due primarily to a $6.4 million, or 84.0%, decrease in interest expense on borrowed funds as a result of a the payoff of all Federal Home Loan Bank advances during the third quarter of 2016. Also contributing to the increase in net interest income was a $2.0 million, or 2.4%, increase in interest income on loans receivable due to a $438.7 million, or 6.1%, increase in average loans receivable from the prior year. The impact of these changes caused the Company's net interest margin to increase to 3.75% for the quarter ended March 31, 2017 from 3.57% for the same quarter last year.
The provision for loan losses increased by $2.9 million, or 179.3%, to $4.6 million for the quarter ended March 31, 2017, from $1.7 million for the quarter ended March 31, 2016. This increase is due primarily to the downgrade of two commercial banking relationships requiring an additional $1.2 million of combined reserves. Additionally, reserves were increased due to the substantial growth in the indirect auto and commercial business loan portfolios as well as for the planned closure of the Company's consumer finance subsidiary. Overall credit quality remained steady with nonaccrual loans decreasing to $73.3 million at March 31, 2017 from $74.2 million at March 31, 2016 and total loan delinquency decreased to $101.9 million, or 1.35% of total loans outstanding at March 31, 2017 from $114.0 million, or 1.56% of total loans outstanding at March 31, 2016.
Noninterest income increased by $2.1 million, or 10.6%, to $21.5 million for the quarter ended March 31, 2017, from $19.4 million for the quarter ended March 31, 2016. Contributing to this increase was an increase in service charges and fees of $1.6 million, or 16.4%, which is attributable to the growth in checking accounts resulting from both recent acquisitions and internal growth initiatives. Additionally, trust and other financial services income increased by $1.0 million, or 32.0%, due to internal and acquisition related growth. Partially offsetting these improvements was a decrease in income from bank owned life insurance of $527,000, or 33.0%, due to death benefits received during the first quarter of 2016.
Noninterest expense increased by $8.3 million, or 13.2%, to $71.6 million for the quarter ended March 31, 2017, from $63.3 million for the quarter ended March 31, 2016. This increase resulted primarily from a $4.7 million, or 14.3%, increase in compensation and employee benefits due primarily to the employees added from the recent branch acquisition that was completed in September 2016. The year-over-year increase in full-time equivalent employees was 176, or 8.2%, with 180 full-time equivalents added from the acquisition. Other year-over-year increases in noninterest expenses were also primarily attributable to the growth from this acquisition.
In an effort to improve efficiency, the Company announced its intention to close the 44 offices of its consumer finance subsidiary, Northwest Consumer Discount Company ("NCDC"), effective July 14, 2017. As part of this closure, all NCDC loans will be transferred to Northwest Bank for servicing and collections. Northwest Bank will continue to make direct consumer loans to qualified customers as well as continue to offer indirect sales finance loans through various dealers and retailers. Pre-tax expenses associated with this closure are expected to be approximately $3.0 million over the next two quarters. As disclosed in the Company's segment reporting in its December 31, 2016 Form 10-K, NCDC contributed approximately $1.6 million of noninterest income in 2016, had a provision for loan losses of $3.7 million, noninterest expense of $11.6 million, and net income after taxes of $486,000. It is expected that net interest income will decrease over time when the approximately $40.0 million portfolio of high rate consumer discount loans roll off as the Company will no longer be originating such loans.
Also, as previously announced, the Company's subsidiary, Northwest Bank, is scheduled to divest its three Maryland branches to Shore United Bank on May 19, 2017. Included in this divestiture is approximately $145.2 million of performing loans and $220.6 million in deposits.
Headquartered in Warren, Pennsylvania, Northwest Bancshares, Inc. is the holding company of Northwest Bank. Founded in 1896, Northwest Bank is a full-service financial institution offering a complete line of business and personal banking products, employee benefits and wealth management services, as well as the fulfillment of business and personal insurance needs. Northwest operates 167 full-service community banking offices and nine free standing drive-through facilities in Pennsylvania, New York, Ohio and Maryland and 44 consumer finance offices in Pennsylvania through its subsidiary, Northwest Consumer Discount Company. Northwest Bancshares, Inc.'s common stock is listed on the NASDAQ Global Select Market ("NWBI"). Additional information regarding Northwest Bancshares, Inc. and Northwest Bank can be accessed on-line at www.northwest.com.
Forward-Looking Statements - This release may contain forward-looking statements with respect to the financial condition and results of operations of Northwest Bancshares, Inc. including, without limitations, statements relating to the earnings outlook of the Company. These forward-looking statements involve certain risks and uncertainties. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements, include among others, the following possibilities: (1) changes in the interest rate environment; (2) competitive pressure among financial services companies; (3) general economic conditions including an increase in non-performing loans; (4) changes in legislation or regulatory requirements; (5) difficulties in continuing to improve operating efficiencies; (6) difficulties in the integration of acquired businesses; and (7) increased risk associated with commercial real-estate and business loans. Management has no obligation to revise or update these forward-looking statements to reflect events or circumstances that arise after the date of this release.
Northwest Bancshares, Inc. and Subsidiaries Consolidated Statements of Financial Condition (Unaudited) (Dollars in thousands, except per share amounts) | |||||||||
March 31, | December 31, | March 31, | |||||||
Assets | |||||||||
Cash and cash equivalents | $ | 106,635 | 119,403 | 86,151 | |||||
Interest-earning deposits in other financial institutions | 320,231 | 266,902 | 74,850 | ||||||
Federal funds sold and other short-term investments | 5,082 | 3,562 | 2,320 | ||||||
Marketable securities available-for-sale (amortized cost of $874,446, $825,552 and $772,768, | 876,047 | 826,200 | 783,940 | ||||||
Marketable securities held-to-maturity (fair value of $42,285, $20,426 and $28,611, respectively) | 41,888 | 19,978 | 27,764 | ||||||
Total cash, interest-earning deposits and marketable securities | 1,349,883 | 1,236,045 | 975,025 | ||||||
Residential mortgage loans held for sale | 1,595 | 9,625 | 8,952 | ||||||
Residential mortgage loans | 2,704,474 | 2,705,139 | 2,761,411 | ||||||
Home equity loans | 1,305,394 | 1,328,772 | 1,169,821 | ||||||
Consumer loans | 643,105 | 642,961 | 525,537 | ||||||
Commercial real estate loans | 2,378,474 | 2,342,089 | 2,360,863 | ||||||
Commercial loans | 530,046 | 528,761 | 467,418 | ||||||
Total loans receivable | 7,563,088 | 7,557,347 | 7,294,002 | ||||||
Allowance for loan losses | (61,104) | (60,939) | (62,278) | ||||||
Loans receivable, net | 7,501,984 | 7,496,408 | 7,231,724 | ||||||
Assets held-for-sale | 150,940 | 152,528 | — | ||||||
Federal Home Loan Bank stock, at cost | 7,362 | 7,390 | 35,539 | ||||||
Accrued interest receivable | 20,945 | 21,699 | 21,712 | ||||||
Real estate owned, net | 6,242 | 4,889 | 6,834 | ||||||
Premises and Equipment, net | 159,823 | 161,185 | 153,000 | ||||||
Bank owned life insurance | 172,516 | 171,449 | 168,511 | ||||||
Goodwill | 307,420 | 307,420 | 261,736 | ||||||
Other intangible assets | 30,684 | 32,433 | 8,398 | ||||||
Other assets | 23,724 | 32,194 | 53,809 | ||||||
Total assets | $ | 9,731,523 | 9,623,640 | 8,916,288 | |||||
Liabilities and Shareholders' equity | |||||||||
Liabilities | |||||||||
Noninterest-bearing demand deposits | $ | 1,530,026 | 1,448,972 | 1,179,950 | |||||
Interest-bearing demand deposits | 1,448,503 | 1,428,317 | 1,121,779 | ||||||
Money market deposit accounts | 1,827,028 | 1,841,567 | 1,295,138 | ||||||
Savings deposits | 1,685,103 | 1,622,879 | 1,433,788 | ||||||
Time deposits | 1,495,095 | 1,540,586 | 1,639,406 | ||||||
Total deposits | 7,985,755 | 7,882,321 | 6,670,061 | ||||||
Liabilities held-for-sale | 220,627 | 215,657 | — | ||||||
Borrowed funds | 137,191 | 142,899 | 857,754 | ||||||
Advances by borrowers for taxes and insurance | 40,470 | 36,879 | 38,719 | ||||||
Accrued interest payable | 586 | 635 | 1,894 | ||||||
Other liabilities | 58,118 | 63,373 | 66,059 | ||||||
Junior subordinated debentures | 111,213 | 111,213 | 111,213 | ||||||
Total liabilities | 8,553,960 | 8,452,977 | 7,745,700 | ||||||
Shareholders' equity | |||||||||
Preferred stock, $0.01 par value, 50,000,000 shares authorized, no shares issued | — | — | — | ||||||
Common stock, $0.01 par value: 500,000,000 shares authorized, 101,987,942 shares, 101,699,406 shares and 101,848,509 issued and outstanding, respectively | 1,020 | 1,017 | 1,018 | ||||||
Paid-in-capital | 723,055 | 718,834 | 718,027 | ||||||
Retained earnings | 480,309 | 478,803 | 492,316 | ||||||
Unallocated common stock of Employee Stock Ownership Plan | — | — | (19,815) | ||||||
Accumulated other comprehensive loss | (26,821) | (27,991) | (20,958) | ||||||
Total shareholders' equity | 1,177,563 | 1,170,663 | 1,170,588 | ||||||
Total liabilities and shareholders' equity | $ | 9,731,523 | 9,623,640 | 8,916,288 | |||||
Equity to assets | 12.10 | % | 12.16 | % | 13.13 | % | |||
Tangible common equity to assets | 8.94 | % | 8.95 | % | 10.41 | % | |||
Book value per share | $ | 11.55 | 11.51 | 11.49 | |||||
Tangible book value per share | $ | 8.23 | 8.17 | 8.84 | |||||
Closing market price per share | $ | 16.84 | 18.03 | 13.51 | |||||
Full time equivalent employees | 2,328 | 2,306 | 2,152 | ||||||
Number of banking offices | 176 | 176 | 181 | ||||||
Northwest Bancshares, Inc. and Subsidiaries Consolidated Statements of Income (Unaudited) (Dollars in thousands, except per share amounts) | |||||||||||||||
Quarter ended | |||||||||||||||
March 31, | December 31, | September 30, | June 30, | March 31, | |||||||||||
2017 | 2016 | 2016 | 2016 | 2016 | |||||||||||
Interest income: | |||||||||||||||
Loans receivable | $ | 82,751 | 85,669 | 81,083 | 81,506 | 80,781 | |||||||||
Mortgage-backed securities | 2,222 | 2,166 | 2,030 | 2,115 | 2,229 | ||||||||||
Taxable investment securities | 1,006 | 988 | 627 | 756 | 1,038 | ||||||||||
Tax-free investment securities | 569 | 625 | 676 | 707 | 724 | ||||||||||
FHLB dividends | 59 | 285 | 218 | 401 | 467 | ||||||||||
Interest-earning deposits | 660 | 300 | 114 | 70 | 59 | ||||||||||
Total interest income | 87,267 | 90,033 | 84,748 | 85,555 | 85,298 | ||||||||||
Interest expense: | |||||||||||||||
Deposits | 5,465 | 5,859 | 5,653 | 5,865 | 6,088 | ||||||||||
Borrowed funds | 1,225 | 1,232 | 1,801 | 4,143 | 7,658 | ||||||||||
Total interest expense | 6,690 | 7,091 | 7,454 | 10,008 | 13,746 | ||||||||||
Net interest income | 80,577 | 82,942 | 77,294 | 75,547 | 71,552 | ||||||||||
Provision for loan losses | 4,637 | 2,145 | 5,538 | 4,199 | 1,660 | ||||||||||
Net interest income after provision for loan losses | 75,940 | 80,797 | 71,756 | 71,348 | 69,892 | ||||||||||
Noninterest income: | |||||||||||||||
Gain on sale of investments | 17 | 213 | 58 | 227 | 127 | ||||||||||
Service charges and fees | 11,717 | 12,406 | 11,012 | 10,630 | 10,065 | ||||||||||
Trust and other financial services income | 4,304 | 4,131 | 3,434 | 3,277 | 3,261 | ||||||||||
Insurance commission income | 2,794 | 2,499 | 2,541 | 2,768 | 2,714 | ||||||||||
Gain/ (loss) on real estate owned, net | (67) | 164 | (563) | 111 | 249 | ||||||||||
Income from bank owned life insurance | 1,068 | 1,281 | 1,380 | 1,105 | 1,595 | ||||||||||
Mortgage banking income | 240 | 2,344 | 1,886 | 446 | 218 | ||||||||||
Other operating income | 1,431 | 1,781 | 1,070 | 1,711 | 1,219 | ||||||||||
Total noninterest income | 21,504 | 24,819 | 20,818 | 20,275 | 19,448 | ||||||||||
Noninterest expense: | |||||||||||||||
Compensation and employee benefits | 37,755 | 36,562 | 38,122 | 33,210 | 33,033 | ||||||||||
Premises and occupancy costs | 7,516 | 7,228 | 6,094 | 6,275 | 6,537 | ||||||||||
Office operations | 4,222 | 4,395 | 3,700 | 3,343 | 3,460 | ||||||||||
Collections expense | 549 | 437 | 589 | 729 | 676 | ||||||||||
Processing expenses | 9,909 | 9,429 | 8,844 | 8,172 | 8,414 | ||||||||||
Marketing expenses | 2,148 | 2,181 | 2,239 | 2,541 | 1,891 | ||||||||||
Federal deposit insurance premiums | 1,167 | 475 | 984 | 1,442 | 1,503 | ||||||||||
Professional services | 2,575 | 2,088 | 1,815 | 2,129 | 1,833 | ||||||||||
Amortization of intangible assets | 1,749 | 1,806 | 1,068 | 710 | 675 | ||||||||||
Real estate owned expense | 282 | 192 | 206 | 295 | 311 | ||||||||||
Restructuring/ acquisition expense | 223 | 1,009 | 7,183 | 3,386 | 635 | ||||||||||
FHLB prepayment penalty | — | — | — | 36,978 | — | ||||||||||
Other expense | 3,551 | 2,959 | 2,836 | 2,912 | 4,307 | ||||||||||
Total noninterest expense | 71,646 | 68,761 | 73,680 | 102,122 | 63,275 | ||||||||||
Income/ (loss) before income taxes | 25,798 | 36,855 | 18,894 | (10,499) | 26,065 | ||||||||||
Income tax expense/ (benefit) | 8,052 | 12,361 | 4,697 | (3,491) | 8,081 | ||||||||||
Net income/ (loss) | $ | 17,746 | 24,494 | 14,197 | (7,008) | 17,984 | |||||||||
Basic earnings/ (loss) per share | $ | 0.18 | 0.24 | 0.14 | (0.07) | 0.18 | |||||||||
Diluted earnings/ (loss) per share | $ | 0.17 | 0.24 | 0.14 | (0.07) | 0.18 | |||||||||
Weighted average common shares outstanding - basic | 100,653,277 | 100,219,370 | 99,602,535 | 99,177,609 | 98,889,744 | ||||||||||
Weighted average common shares outstanding - diluted | 102,480,549 | 102,089,892 | 101,068,245 | 100,243,442 | 99,380,009 | ||||||||||
Annualized return on average equity | 6.15 | % | 8.37 | % | 4.89 | % | (2.44) | % | 6.21 | % | |||||
Annualized return on average assets | 0.75 | % | 1.01 | % | 0.63 | % | (0.32) | % | 0.81 | % | |||||
Annualized return on tangible common equity | 8.57 | % | 11.73 | % | 6.88 | % | (3.18) | % | 8.03 | % | |||||
Efficiency ratio * | 68.25 | % | 61.20 | % | 66.69 | % | 63.71 | % | 68.09 | % | |||||
Annualized noninterest expense to average assets * | 2.94 | % | 2.73 | % | 2.88 | % | 2.76 | % | 2.80 | % | |||||
* Excludes restructuring/acquisition expenses, FHLB prepayment penalty, and amortization of intangible assets (non-GAAP). | |||||||||||||||
Northwest Bancshares, Inc. and Subsidiaries Reconciliation of Assets and Liabilities Held-For-Sale (Unaudited) (Dollars in thousands) | ||||||
Balance at | Balance at | |||||
Assets held-for-sale: | ||||||
Residential mortgage loans | $ | 26,458 | 26,406 | |||
Home equity loans | 16,353 | 15,725 | ||||
Consumer loans | 847 | 522 | ||||
Commercial real estate loans | 98,659 | 101,123 | ||||
Commercial loans | 2,850 | 2,884 | ||||
Total loans | 145,167 | 146,660 | ||||
Accrued interest receivable | 405 | 416 | ||||
Premises and equipment, net | 5,368 | 5,452 | ||||
Total assets held-for-sale | $ | 150,940 | 152,528 | |||
Liabilities held-for-sale: | ||||||
Noninterest-bearing demand deposits | $ | 38,413 | 34,657 | |||
Interest-bearing demand deposits | 17,890 | 17,181 | ||||
Money market deposit accounts | 46,249 | 45,806 | ||||
Savings deposits | 56,195 | 55,205 | ||||
Time deposits | 61,872 | 62,800 | ||||
Total deposits | 220,619 | 215,649 | ||||
Accrued interest payable | 8 | 8 | ||||
Total liabilities held-for-sale | $ | 220,627 | 215,657 | |||
Northwest Bancshares, Inc. and Subsidiaries Asset quality (Unaudited) (Dollars in thousands) | ||||||||||||||||
March 31, | December 31, | September 30, | June 30, | March 31, | ||||||||||||
Nonaccrual loans current: | ||||||||||||||||
Residential mortgage loans | $ | 1,864 | 2,109 | 3,063 | 2,017 | 1,678 | ||||||||||
Home equity loans | 1,244 | 1,451 | 1,446 | 1,092 | 1,118 | |||||||||||
Consumer loans | 633 | 520 | 464 | 277 | 190 | |||||||||||
Commercial real estate loans | 13,347 | 13,955 | 19,246 | 17,456 | 19,350 | |||||||||||
Commercial loans | 5,335 | 5,361 | 7,299 | 4,462 | 5,923 | |||||||||||
Total nonaccrual loans current | $ | 22,423 | 23,396 | 31,518 | 25,304 | 28,259 | ||||||||||
Nonaccrual loans delinquent 30 days to 59 days: | ||||||||||||||||
Residential mortgage loans | $ | 1,001 | 1,464 | 344 | — | 1,600 | ||||||||||
Home equity loans | 328 | 422 | 315 | 49 | 119 | |||||||||||
Consumer loans | 218 | 400 | 211 | 95 | 164 | |||||||||||
Commercial real estate loans | 1,970 | 3,478 | 514 | 151 | 3,371 | |||||||||||
Commercial loans | 328 | 145 | 185 | 16 | 4 | |||||||||||
Total nonaccrual loans delinquent 30 days to 59 days | $ | 3,845 | 5,909 | 1,569 | 311 | 5,258 | ||||||||||
Nonaccrual loans delinquent 60 days to 89 days: | ||||||||||||||||
Residential mortgage loans | $ | 704 | 1,522 | 1,270 | 1,524 | 721 | ||||||||||
Home equity loans | 408 | 440 | 465 | 366 | 504 | |||||||||||
Consumer loans | 242 | 366 | 250 | 157 | 182 | |||||||||||
Commercial real estate loans | 540 | 2,027 | 151 | 6,513 | 109 | |||||||||||
Commercial loans | 23 | 695 | 319 | 1,748 | 57 | |||||||||||
Total nonaccrual loans delinquent 60 days to 89 days | $ | 1,917 | 5,050 | 2,455 | 10,308 | 1,573 | ||||||||||
Nonaccrual loans delinquent 90 days or more: | ||||||||||||||||
Residential mortgage loans | $ | 11,911 | 13,169 | 13,242 | 14,829 | 14,301 | ||||||||||
Home equity loans | 6,194 | 5,552 | 5,874 | 5,226 | 5,922 | |||||||||||
Consumer loans | 3,359 | 3,823 | 3,354 | 2,374 | 2,360 | |||||||||||
Commercial real estate loans | 20,897 | 19,264 | 22,155 | 12,960 | 13,165 | |||||||||||
Commercial loans | 2,744 | 3,373 | 6,105 | 4,566 | 3,314 | |||||||||||
Total nonaccrual loans delinquent 90 days or more | $ | 45,105 | 45,181 | 50,730 | 39,955 | 39,062 | ||||||||||
Total nonaccrual loans | $ | 73,290 | 79,536 | 86,272 | 75,878 | 74,152 | ||||||||||
Total nonaccrual loans | $ | 73,290 | 79,536 | 86,272 | 75,878 | 74,152 | ||||||||||
Loans 90 days past maturity and still accruing | 265 | 649 | 103 | 472 | 894 | |||||||||||
Nonperforming loans | 73,555 | 80,185 | 86,375 | 76,350 | 75,046 | |||||||||||
Real estate owned, net | 6,242 | 4,889 | 4,841 | 4,950 | 6,834 | |||||||||||
Nonperforming assets | $ | 79,797 | 85,074 | 91,216 | 81,300 | 81,880 | ||||||||||
Nonaccrual troubled debt restructuring * | $ | 18,273 | 16,346 | 17,374 | 18,098 | 17,699 | ||||||||||
Accruing troubled debt restructuring | 25,305 | 26,580 | 29,221 | 31,015 | 30,549 | |||||||||||
Total troubled debt restructuring | $ | 43,578 | 42,926 | 46,595 | 49,113 | 48,248 | ||||||||||
Nonperforming loans to total loans | 0.97 | % | 1.06 | % | 1.11 | % | 1.05 | % | 1.03 | % | ||||||
Nonperforming assets to total assets | 0.82 | % | 0.88 | % | 0.94 | % | 0.91 | % | 0.92 | % | ||||||
Allowance for loan losses to total loans | 0.81 | % | 0.81 | % | 0.81 | % | 0.83 | % | 0.85 | % | ||||||
Allowance for loan losses to nonperforming loans | 83.07 | % | 76.00 | % | 73.22 | % | 79.61 | % | 82.99 | % | ||||||
* Amounts included in nonperforming loans above. | ||||||||||||||||
Northwest Bancshares, Inc. and Subsidiaries Loans by credit quality indicators (Unaudited) (Dollars in thousands) | ||||||||||||||||||||
At March 31, 2017 | Pass | Special mention | Substandard | Doubtful | Loss | Loans receivable | ||||||||||||||
Personal Banking: | ||||||||||||||||||||
Residential mortgage loans | $ | 2,689,203 | — | 16,866 | — | — | 2,706,069 | |||||||||||||
Home equity loans | 1,296,182 | — | 9,212 | — | — | 1,305,394 | ||||||||||||||
Consumer loans | 639,574 | — | 3,531 | — | — | 643,105 | ||||||||||||||
Total Personal Banking | 4,624,959 | — | 29,609 | — | — | 4,654,568 | ||||||||||||||
Commercial Banking: | ||||||||||||||||||||
Commercial real estate loans | 2,187,545 | 48,189 | 142,740 | — | 2,378,474 | |||||||||||||||
Commercial loans | 474,662 | 12,226 | 43,158 | — | 530,046 | |||||||||||||||
Total Commercial Banking | 2,662,207 | 60,415 | 185,898 | — | — | 2,908,520 | ||||||||||||||
Total loans | $ | 7,287,166 | 60,415 | 215,507 | — | — | 7,563,088 | |||||||||||||
At December 31, 2016 | ||||||||||||||||||||
Personal Banking: | ||||||||||||||||||||
Residential mortgage loans | $ | 2,696,705 | — | 18,059 | — | — | 2,714,764 | |||||||||||||
Home equity loans | 1,318,998 | — | 9,774 | — | — | 1,328,772 | ||||||||||||||
Consumer loans | 639,044 | — | 3,917 | — | — | 642,961 | ||||||||||||||
Total Personal Banking | 4,654,747 | — | 31,750 | — | — | 4,686,497 | ||||||||||||||
Commercial Banking: | ||||||||||||||||||||
Commercial real estate loans | 2,153,328 | 43,724 | 145,037 | — | — | 2,342,089 | ||||||||||||||
Commercial loans | 469,993 | 17,192 | 41,576 | — | — | 528,761 | ||||||||||||||
Total Commercial Banking | 2,623,321 | 60,916 | 186,613 | — | — | 2,870,850 | ||||||||||||||
Total loans | $ | 7,278,068 | 60,916 | 218,363 | — | — | 7,557,347 | |||||||||||||
At September 30, 2016 | ||||||||||||||||||||
Personal Banking: | ||||||||||||||||||||
Residential mortgage loans | $ | 2,800,420 | — | 18,593 | — | — | 2,819,013 | |||||||||||||
Home equity loans | 1,338,643 | — | 10,462 | — | — | 1,349,105 | ||||||||||||||
Consumer loans | 624,885 | — | 3,627 | — | — | 628,512 | ||||||||||||||
Total Personal Banking | 4,763,948 | — | 32,682 | — | — | 4,796,630 | ||||||||||||||
Commercial Banking: | ||||||||||||||||||||
Commercial real estate loans | 2,265,816 | 61,763 | 137,088 | 14 | — | 2,464,681 | ||||||||||||||
Commercial loans | 479,321 | 14,707 | 40,326 | 2,901 | — | 537,255 | ||||||||||||||
Total Commercial Banking | 2,745,137 | 76,470 | 177,414 | 2,915 | — | 3,001,936 | ||||||||||||||
Total loans | $ | 7,509,085 | 76,470 | 210,096 | 2,915 | — | 7,798,566 | |||||||||||||
At June 30, 2016 | ||||||||||||||||||||
Personal Banking: | ||||||||||||||||||||
Residential mortgage loans | $ | 2,741,101 | — | 16,497 | — | — | 2,757,598 | |||||||||||||
Home equity loans | 1,153,010 | — | 9,164 | — | — | 1,162,174 | ||||||||||||||
Consumer loans | 544,174 | — | 2,376 | — | — | 546,550 | ||||||||||||||
Total Personal Banking | 4,438,285 | — | 28,037 | — | — | 4,466,322 | ||||||||||||||
Commercial Banking: | ||||||||||||||||||||
Commercial real estate loans | 2,170,583 | 63,351 | 129,428 | 14 | — | 2,363,376 | ||||||||||||||
Commercial loans | 408,178 | 15,435 | 38,546 | 3,064 | — | 465,223 | ||||||||||||||
Total Commercial Banking | 2,578,761 | 78,786 | 167,974 | 3,078 | — | 2,828,599 | ||||||||||||||
Total loans | $ | 7,017,046 | 78,786 | 196,011 | 3,078 | — | 7,294,921 | |||||||||||||
At March 31, 2016 | ||||||||||||||||||||
Personal Banking: | ||||||||||||||||||||
Residential mortgage loans | $ | 2,755,325 | — | 13,721 | — | 1,317 | 2,770,363 | |||||||||||||
Home equity loans | 1,161,382 | — | 8,439 | — | — | 1,169,821 | ||||||||||||||
Consumer loans | 523,333 | — | 2,204 | — | — | 525,537 | ||||||||||||||
Total Personal Banking | 4,440,040 | — | 24,364 | — | 1,317 | 4,465,721 | ||||||||||||||
Commercial Banking: | ||||||||||||||||||||
Commercial real estate loans | 2,167,110 | 63,695 | 130,043 | 15 | — | 2,360,863 | ||||||||||||||
Commercial loans | 409,994 | 16,425 | 39,887 | 1,112 | — | 467,418 | ||||||||||||||
Total Commercial Banking | 2,577,104 | 80,120 | 169,930 | 1,127 | — | 2,828,281 | ||||||||||||||
Total loans | $ | 7,017,144 | 80,120 | 194,294 | 1,127 | 1,317 | 7,294,002 | |||||||||||||
* Includes $12.4 million $9.4 million, $19.3 million, $7.6 million, and $7.7 million of acquired loans at March 31, 2017, December 31, 2016, September 30, 2016, June 30, 2016, and March 31, 2016, respectively. | ||||||||||||||||||||
** Includes $45.3 million, $39.1 million, $29.8 million, $25.5 million, and $17.9 million of acquired loans at March 31, 2017, December 31, 2016, September 30, 2016, June 30, 2016, and March 31, 2016, respectively. | ||||||||||||||||||||
Northwest Bancshares, Inc. and Subsidiaries Loan delinquency (Unaudited) (Dollars in thousands) | ||||||||||||||||||||||||||||||||||||||||||||||||||
March 31, 2017 | * | December 31, | * | September 30, 2016 | * | June 30, | * | March 31, | * | |||||||||||||||||||||||||||||||||||||||||
(Number of loans and dollar amount of loans) | ||||||||||||||||||||||||||||||||||||||||||||||||||
Loans delinquent 30 days to 59 days: | ||||||||||||||||||||||||||||||||||||||||||||||||||
Residential mortgage loans | 280 | $ | 22,254 | 0.8 | % | 360 | $ | 27,386 | 1.0 | % | 74 | $ | 3,380 | 0.1 | % | 72 | $ | 3,353 | 0.1 | % | 323 | $ | 24,494 | 0.9 | % | |||||||||||||||||||||||||
Home equity loans | 125 | 4,586 | 0.4 | % | 179 | 6,805 | 0.5 | % | 164 | 4,984 | 0.4 | % | 128 | 4,988 | 0.4 | % | 132 | 5,351 | 0.5 | % | ||||||||||||||||||||||||||||||
Consumer loans | 1,022 | 7,157 | 1.1 | % | 1,497 | 9,868 | 1.5 | % | 1,269 | 7,583 | 1.2 | % | 1,144 | 6,725 | 1.2 | % | 895 | 5,511 | 1.0 | % | ||||||||||||||||||||||||||||||
Commercial real estate loans | 60 | 9,364 | 0.4 | % | 61 | 10,377 | 0.4 | % | 28 | 3,855 | 0.2 | % | 34 | 4,828 | 0.2 | % | 51 | 27,474 | 1.2 | % | ||||||||||||||||||||||||||||||
Commercial loans | 29 | 2,304 | 0.4 | % | 20 | 1,178 | 0.2 | % | 26 | 1,493 | 0.3 | % | 15 | 533 | 0.1 | % | 26 | 3,133 | 0.7 | % | ||||||||||||||||||||||||||||||
Total loans delinquent 30 days to 59 days | 1,516 | $ | 45,665 | 0.6 | % | 2,117 | $ | 55,614 | 0.7 | % | 1,561 | $ | 21,295 | 0.3 | % | 1,393 | $ | 20,427 | 0.3 | % | 1,427 | $ | 65,963 | 0.9 | % | |||||||||||||||||||||||||
Loans delinquent 60 days to 89 days: | ||||||||||||||||||||||||||||||||||||||||||||||||||
Residential mortgage loans | 28 | $ | 1,594 | 0.1 | % | 80 | $ | 6,227 | 0.2 | % | 76 | $ | 6,174 | 0.2 | % | 74 | $ | 5,633 | 0.2 | % | 21 | $ | 1,358 | — | % | |||||||||||||||||||||||||
Home equity loans | 36 | 1,145 | 0.1 | % | 62 | 1,563 | 0.1 | % | 41 | 1,145 | 0.1 | % | 42 | 1,435 | 0.1 | % | 36 | 1,256 | 0.1 | % | ||||||||||||||||||||||||||||||
Consumer loans | 430 | 2,241 | 0.3 | % | 636 | 3,609 | 0.6 | % | 532 | 2,673 | 0.4 | % | 514 | 2,247 | 0.4 | % | 379 | 1,803 | 0.3 | % | ||||||||||||||||||||||||||||||
Commercial real estate loans | 19 | 3,034 | 0.1 | % | 25 | 4,495 | 0.2 | % | 13 | 1,102 | — | % | 16 | 8,765 | 0.4 | % | 11 | 1,081 | — | % | ||||||||||||||||||||||||||||||
Commercial loans | 10 | 499 | 0.1 | % | 21 | 2,081 | 0.4 | % | 9 | 594 | 0.1 | % | 23 | 2,429 | 0.5 | % | 7 | 375 | 0.1 | % | ||||||||||||||||||||||||||||||
Total loans delinquent 60 days to 89 days | 523 | $ | 8,513 | 0.1 | % | 824 | $ | 17,975 | 671 | $ | 11,688 | 0.1 | % | 669 | $ | 20,509 | 0.3 | % | 454 | $ | 5,873 | 0.1 | % | |||||||||||||||||||||||||||
Loans delinquent 90 days or more: ** | ||||||||||||||||||||||||||||||||||||||||||||||||||
Residential mortgage loans | 139 | $ | 12,326 | 0.5 | % | 169 | $ | 13,621 | 0.5 | % | 168 | $ | 13,478 | 0.5 | % | 176 | $ | 15,046 | 0.5 | % | 183 | $ | 14,673 | 0.5 | % | |||||||||||||||||||||||||
Home equity loans | 143 | 6,258 | 0.5 | % | 155 | 5,756 | 0.4 | % | 137 | 6,022 | 0.4 | % | 124 | 5,422 | 0.5 | % | 120 | 6,200 | 0.5 | % | ||||||||||||||||||||||||||||||
Consumer loans | 532 | 3,372 | 0.5 | % | 646 | 3,838 | 0.6 | % | 757 | 3,372 | 0.5 | % | 440 | 2,399 | 0.4 | % | 557 | 2,386 | 0.5 | % | ||||||||||||||||||||||||||||||
Commercial real estate loans | 106 | 23,009 | 1.0 | % | 101 | 21,270 | 0.9 | % | 106 | 24,533 | 1.0 | % | 107 | 15,244 | 0.6 | % | 106 | 15,442 | 0.7 | % | ||||||||||||||||||||||||||||||
Commercial loans | 39 | 2,744 | 0.5 | % | 37 | 3,520 | 0.7 | % | 28 | 6,249 | 1.2 | % | 32 | 4,709 | 1.0 | % | 34 | 3,456 | 0.7 | % | ||||||||||||||||||||||||||||||
Total loans delinquent 90 days or more | 959 | $ | 47,709 | 0.6 | % | 1,108 | $ | 48,005 | 0.6 | % | 1,196 | $ | 53,654 | 0.7 | % | 879 | $ | 42,820 | 0.6 | % | 1,000 | $ | 42,157 | 0.6 | % | |||||||||||||||||||||||||
Total loans delinquent | 2,998 | $ | 101,887 | 1.3 | % | 4,049 | $ | 121,594 | 1.6 | % | 3,428 | $ | 86,637 | 1.1 | % | 2,941 | $ | 83,756 | 1.1 | % | 2,881 | $ | 113,993 | 1.6 | % | |||||||||||||||||||||||||
* Represents delinquency, in dollars, divided by the respective total amount of that type of loan outstanding. | ||||||||||||||||||||||||||||||||||||||||||||||||||
** Includes purchased credit impaired loans of $2.6 million, $2.8 million, $2.9 million, $2.9 million, and $3.1 million at March 31, 2017. December 31, 2016, September 30, 2016, June 30, 2016, March 31, 2016, respectively. | ||||||||||||||||||||||||||||||||||||||||||||||||||
Northwest Bancshares, Inc. and Subsidiaries Allowance for loan losses (Unaudited) (Dollars in thousands) | |||||||||||||||
Quarter ended | |||||||||||||||
March 31, | December 31, | September 30, | June 30, | March 31, | |||||||||||
Beginning balance | $ | 60,939 | 63,246 | 60,781 | 62,278 | 62,672 | |||||||||
Provision | 4,637 | 2,145 | 5,538 | 4,199 | 1,660 | ||||||||||
Charge-offs residential mortgage | (290) | (710) | (354) | (1,852) | (564) | ||||||||||
Charge-offs home equity | (649) | (321) | (288) | (946) | (984) | ||||||||||
Charge-offs consumer | (3,660) | (3,469) | (2,701) | (2,332) | (2,403) | ||||||||||
Charge-offs commercial real estate | (474) | (323) | (789) | (1,731) | (897) | ||||||||||
Charge-offs commercial | (1,267) | (2,489) | (708) | (903) | (117) | ||||||||||
Recoveries | 1,868 | 2,860 | 1,767 | 2,068 | 2,911 | ||||||||||
Ending balance | $ | 61,104 | 60,939 | 63,246 | 60,781 | 62,278 | |||||||||
Net charge-offs to average loans, annualized | 0.23% | 0.23% | 0.17% | 0.31% | 0.11% | ||||||||||
Northwest Bancshares, Inc. and Subsidiaries Average balance sheet (Unaudited) (Dollars in thousands) | |||||||||||||||||||||||||||||||||||||||||||||||||
The following table sets forth certain information relating to the Company's average balance sheet and reflects the average yield on assets and average cost of liabilities for the periods indicated. Such yields and costs are derived by dividing income or expense by the average balance of assets or liabilities, respectively, for the periods presented. Average balances are calculated using daily averages. | |||||||||||||||||||||||||||||||||||||||||||||||||
Quarter ended | |||||||||||||||||||||||||||||||||||||||||||||||||
March 31, 2017 | December 31, 2016 | September 30, 2016 | June 30, 2016 | March 31, 2016 | |||||||||||||||||||||||||||||||||||||||||||||
Average Balance | Interest | Avg. Yield/ Cost (h) | Average | Interest | Avg. | Average Balance | Interest | Avg. Yield/ Cost (h) | Average | Interest | Avg. | Average | Interest | Avg. | |||||||||||||||||||||||||||||||||||
Assets: | |||||||||||||||||||||||||||||||||||||||||||||||||
Interest-earning assets: | |||||||||||||||||||||||||||||||||||||||||||||||||
Residential mortgage loans | $ | 2,718,904 | 27,309 | 4.02 | % | $ | 2,766,693 | 28,165 | 4.07 | % | $ | 2,739,099 | 27,952 | 4.08 | % | $ | 2,751,601 | 29,089 | 4.23 | % | $ | 2,739,787 | 29,786 | 4.35 | % | ||||||||||||||||||||||||
Home equity loans | 1,332,647 | 14,201 | 4.32 | % | 1,346,856 | 14,442 | 4.27 | % | 1,192,929 | 12,884 | 4.30 | % | 1,163,900 | 12,701 | 4.39 | % | 1,177,406 | 12,642 | 4.32 | % | |||||||||||||||||||||||||||||
Consumer loans | 627,288 | 9,701 | 6.27 | % | 620,294 | 10,083 | 6.47 | % | 554,954 | 8,931 | 6.40 | % | 522,745 | 8,697 | 6.69 | % | 510,091 | 8,219 | 6.48 | % | |||||||||||||||||||||||||||||
Commercial real estate loans | 2,456,070 | 26,562 | 4.33 | % | 2,467,569 | 27,863 | 4.42 | % | 2,394,001 | 26,683 | 4.36 | % | 2,356,994 | 26,691 | 4.48 | % | 2,349,748 | 25,993 | 4.38 | % | |||||||||||||||||||||||||||||
Commercial loans | 522,847 | 5,515 | 4.22 | % | 527,330 | 5,682 | 4.27 | % | 476,715 | 5,193 | 4.26 | % | 461,808 | 4,902 | 4.20 | % | 441,977 | 4,723 | 4.23 | % | |||||||||||||||||||||||||||||
Total loans receivable (a) (b) (d) | 7,657,756 | 83,288 | 4.41 | % | 7,728,742 | 86,235 | 4.44 | % | 7,357,698 | 81,643 | 4.41 | % | 7,257,048 | 82,080 | 4.55 | % | 7,219,009 | 81,363 | 4.53 | % | |||||||||||||||||||||||||||||
Mortgage-backed securities (c) | 471,674 | 2,222 | 1.88 | % | 482,707 | 2,166 | 1.79 | % | 440,966 | 2,030 | 1.84 | % | 458,398 | 2,115 | 1.85 | % | 488,294 | 2,229 | 1.83 | % | |||||||||||||||||||||||||||||
Investment securities (c) (d) | 377,819 | 1,881 | 1.99 | % | 401,602 | 1,950 | 1.94 | % | 275,718 | 1,667 | 2.42 | % | 313,647 | 1,844 | 2.35 | % | 387,460 | 2,151 | 2.22 | % | |||||||||||||||||||||||||||||
FHLB stock | 7,305 | 59 | 3.28 | % | 7,575 | 285 | 4.54 | % | 27,761 | 218 | 3.12 | % | 33,302 | 401 | 4.84 | % | 37,098 | 467 | 5.06 | % | |||||||||||||||||||||||||||||
Other interest-earning deposits | 294,391 | 660 | 0.90 | % | 325,889 | 300 | 0.36 | % | 91,243 | 114 | 0.49 | % | 63,950 | 70 | 0.43 | % | 43,578 | 59 | 0.54 | % | |||||||||||||||||||||||||||||
Total interest-earning assets | 8,808,945 | 88,110 | 4.06 | % | 8,946,515 | 90,936 | 4.04 | % | 8,193,386 | 85,672 | 4.16 | % | 8,126,345 | 86,510 | 4.28 | % | 8,175,439 | 86,269 | 4.24 | % | |||||||||||||||||||||||||||||
Noninterest earning assets (e) | 799,569 | 677,888 | 835,500 | 755,713 | 735,562 | ||||||||||||||||||||||||||||||||||||||||||||
Total assets | $ | 9,608,514 | $ | 9,624,403 | $ | 9,028,886 | $ | 8,882,058 | $ | 8,911,001 | |||||||||||||||||||||||||||||||||||||||
Liabilities and shareholders' equity: | |||||||||||||||||||||||||||||||||||||||||||||||||
Interest-bearing liabilities: | |||||||||||||||||||||||||||||||||||||||||||||||||
Savings deposits | $ | 1,702,528 | 755 | 0.18 | % | $ | 1,668,492 | 771 | 0.18 | % | $ | 1,485,763 | 744 | 0.20 | % | $ | 1,440,886 | 837 | 0.23 | % | $ | 1,405,800 | 865 | 0.25 | % | ||||||||||||||||||||||||
Interest-bearing demand deposits | 1,422,284 | 116 | 0.03 | % | 1,431,671 | 85 | 0.02 | % | 1,179,557 | 78 | 0.03 | % | 1,130,122 | 144 | 0.05 | % | 1,093,839 | 156 | 0.06 | % | |||||||||||||||||||||||||||||
Money market deposit accounts | 1,879,292 | 1,074 | 0.23 | % | 1,890,220 | 1,101 | 0.23 | % | 1,418,779 | 826 | 0.23 | % | 1,294,381 | 829 | 0.26 | % | 1,288,535 | 865 | 0.27 | % | |||||||||||||||||||||||||||||
Time deposits | 1,573,574 | 3,520 | 0.91 | % | 1,643,785 | 3,902 | 0.94 | % | 1,597,542 | 4,005 | 1.00 | % | 1,616,260 | 4,055 | 1.01 | % | 1,664,322 | 4,202 | 1.02 | % | |||||||||||||||||||||||||||||
Borrowed funds (f) | 136,872 | 58 | 0.17 | % | 143,540 | 61 | 0.17 | % | 560,407 | 657 | 0.47 | % | 772,225 | 3,017 | 1.57 | % | 899,439 | 6,539 | 2.92 | % | |||||||||||||||||||||||||||||
Junior subordinated debentures | 111,213 | 1,167 | 4.20 | % | 111,213 | 1,171 | 4.12 | % | 111,213 | 1,144 | 4.03 | % | 111,213 | 1,126 | 4.01 | % | 111,213 | 1,119 | 3.98 | % | |||||||||||||||||||||||||||||
Total interest-bearing liabilities | 6,825,763 | 6,690 | 0.40 | % | 6,888,921 | 7,091 | 0.41 | % | 6,353,261 | 7,454 | 0.47 | % | 6,365,087 | 10,008 | 0.63 | % | 6,463,148 | 13,746 | 0.86 | % | |||||||||||||||||||||||||||||
Noninterest-bearing demand deposits (g) | 1,506,268 | 1,493,528 | 1,243,474 | 1,184,786 | 1,161,151 | ||||||||||||||||||||||||||||||||||||||||||||
Noninterest bearing liabilities | 106,578 | 77,827 | 276,014 | 177,300 | 122,667 | ||||||||||||||||||||||||||||||||||||||||||||
Total liabilities | 8,438,609 | 8,460,276 | 7,872,749 | 7,727,173 | 7,746,966 | ||||||||||||||||||||||||||||||||||||||||||||
Shareholders' equity | 1,169,905 | 1,164,127 | 1,156,137 | 1,154,885 | 1,164,035 | ||||||||||||||||||||||||||||||||||||||||||||
Total liabilities and shareholders' equity | $ | 9,608,514 | $ | 9,624,403 | $ | 9,028,886 | $ | 8,882,058 | $ | 8,911,001 | |||||||||||||||||||||||||||||||||||||||
Net interest income/ Interest rate spread | 81,420 | 3.66 | % | 83,845 | 3.63 | % | 78,218 | 3.69 | % | 76,502 | 3.65 | % | 72,523 | 3.38 | % | ||||||||||||||||||||||||||||||||||
Net interest-earning assets/ Net interest | $ | 1,983,182 | 3.75 | % | $ | 2,057,594 | 3.75 | % | $ | 1,840,125 | 3.82 | % | $ | 1,761,258 | 3.77 | % | $ | 1,712,291 | 3.57 | % | |||||||||||||||||||||||||||||
Ratio of interest-earning assets to | 1.29X | 1.30X | 1.29X | 1.28X | 1.26X | ||||||||||||||||||||||||||||||||||||||||||||
(a) Average gross loans receivable includes loans held as available-for-sale and loans placed on nonaccrual status. | |||||||||||||||||||||||||||||||||||||||||||||||||
(b) Interest income includes accretion/ amortization of deferred loan fees/ expenses, which was not material. | |||||||||||||||||||||||||||||||||||||||||||||||||
(c) Average balances do not include the effect of unrealized gains or losses on securities held as available-for-sale. | |||||||||||||||||||||||||||||||||||||||||||||||||
(d) Interest income on tax-free investment securities and tax-free loans are presented on a fully taxable equivalent basis. | |||||||||||||||||||||||||||||||||||||||||||||||||
(e) Average balances include the effect of unrealized gains or losses on securities held as available-for-sale. | |||||||||||||||||||||||||||||||||||||||||||||||||
(f) Average balances include FHLB borrowings and collateralized borrowings. | |||||||||||||||||||||||||||||||||||||||||||||||||
(g) Average cost of deposits were 0.27%, 0.29%, 0.32%, 0.35% and 0.37%, respectively. | |||||||||||||||||||||||||||||||||||||||||||||||||
(h) Shown on a FTE basis. GAAP basis yields for the periods indicated were: Loans - 4.38%, 4.41%, 4.38%, 4.52% and 4.50%, respectively, Investment securities - 1.67%, 1.61%, 1.89%, 1.87% and 1.82%, respectively, Interest-earning assets - 4.02%, 4.00%, 4.11%, 4.23% and 4.20%, respectively. GAAP basis net interest rate spreads were 3.62%, 3.59%, 3.65%, 3.60% and 3.34%, respectively, and GAAP basis net interest margins were 3.71%, 3.71%, 3.77%, 3.72% and 3.55%, respectively. | |||||||||||||||||||||||||||||||||||||||||||||||||
To view the original version on PR Newswire, visit:http://www.prnewswire.com/news-releases/northwest-bancshares-inc-announces-first-quarter-2017-earnings-and-quarterly-dividend-300444462.html
SOURCE Northwest Bancshares, Inc.
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