Q4 2020 Investor Presentation
Performance Trends
1.50%
1.31%
1.30%
1.25%
1.10%
0.90%
0.70%
0.50%
2016
ROACE
GAAP Core
0.92%
1.18%
ROA
■GAAP Core
1.40%
1.37%
1.33%
2017
2018
2019
1.51%
ROTCE
GAAP Core
1.22%
1.18%
2020
23.00%
11.25%
21.00%
11.00%
10.21%
10.00%
9.93%
19.00%
20.31%
18.44% 18.81%
17.99%
9.17%
8.75%
9.00%
8.56%
9.05%
17.00%
15.25%
15.79%
8.72%
14.56%
14.28%
15.00%
13.92%
13.00%
11.26%
11.00%
7.00%
6.68%
9.00%
7.00%
5.00%
5.00%
2016
2017
2018
2019
2020
2016
2017
2018
2019
2020
$5
Note: Core figures exclude non-core income and expense items (e.g., early retirement program costs, gain on early retirement of trust preferred securities, gain on sale of branches, gain on sale
of insurance lines of business, donation to the Simmons Foundation, one-time tax adjustment, merger related costs and branch right-sizing costs). Core figures, as well as figures based on
tangible common equity (which excludes goodwill and other intangible assets), are non-GAAP measurements. See Appendix for non-GAAP reconciliations.
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