Santander US Quarterly Financial Analysis
SHUSA: NON-GAAP RECONCILIATIONS
($ in Millions)
SHUSA pre-tax pre-provision income
Pre-tax income, as reported
Provision for credit losses
Pre-tax pre-provision Income
CET 1 to risk-weighted assets
CET 1 capital
Risk-weighted assets
Ratio
27
27
Tier 1 leverage
2Q19
3Q19
4Q19
1Q20
2Q20
$ 562 $
481
383 $
213 $
(156) $ (2,082)
$ 1,043 $
604
987 $
608
1,186
1,124
821
1,030
(958)
$ 17,277 $
114,877
15.0%
17,504 $ 17,392
116,652
15.0%
$ 17,113
$ 17,209
118,898
14.6%
120,055
14.3%
119,865
14.4%
Tier 1 capital
$ 18,695 $
18,888 $ 18,781
$ 18,311
$ 18,862
Avg total assets, leverage capital purposes
Ratio
136,165
13.7%
139,301
13.6%
143,057
13.1%
144,758
12.6%
151,184
12.5%
Tier 1 risk-based
Tier 1 capital
Risk-weighted assets
Ratio
Total risk-based
Risk-based capital
Risk-weighted assets
Ratio
$ 18,695 $
114,877
16.3%
18,888 $ 18,781
$ 18,311
$ 18,862
116,652
16.2%
118,898
15.8%
120,055
119,865
15.3%
15.7%
$ 20,391
$
20,601 $
20,480 $20,007 $ 20,541
114,877
17.7%
116,652
17.7%
118,898
17.2%
120,055
16.7%
119,865
17.1%
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