0000930413-21-000908.txt : 20210428 0000930413-21-000908.hdr.sgml : 20210428 20210428092514 ACCESSION NUMBER: 0000930413-21-000908 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20210428 ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210428 DATE AS OF CHANGE: 20210428 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST HORIZON CORP CENTRAL INDEX KEY: 0000036966 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 620803242 STATE OF INCORPORATION: TN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-15185 FILM NUMBER: 21861814 BUSINESS ADDRESS: STREET 1: 165 MADISON AVENUE CITY: MEMPHIS STATE: TN ZIP: 38103 BUSINESS PHONE: 9018186232 MAIL ADDRESS: STREET 1: 165 MADISON AVENUE CITY: MEMPHIS STATE: TN ZIP: 38103 FORMER COMPANY: FORMER CONFORMED NAME: FIRST HORIZON NATIONAL CORP DATE OF NAME CHANGE: 20040422 FORMER COMPANY: FORMER CONFORMED NAME: FIRST TENNESSEE NATIONAL CORP DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: FIRST TENNESSEE BANKS INC DATE OF NAME CHANGE: 19600201 8-K 1 c101637_8kixbrl.htm

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

 

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

 

April 28, 2021

Date of Report (date of earliest event reported)

 

First Horizon Corporation

(Exact name of registrant as specified in its charter)

 

TN

 001-15185 62-0803242

(State or other jurisdiction of
incorporation)

 (Commission File Number)

(I.R.S. Employer Identification No.)

 

  165 Madison Avenue Memphis, Tennessee   38103  
 

(Address of Principal Executive Offices)

  

(Zip Code)

  

 

(901) 523-4444

Registrant’s telephone number, including area code

 

(Former name or former address, if changed since last report.)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

 

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
   
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
   
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
   
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 

 Securities registered pursuant to Section 12(b) of the Act:

 

Title of Each Class Trading Symbol(s) Name of Exchange on which Registered
$0.625 Par Value Common Capital Stock  FHN New York Stock Exchange LLC

Depositary Shares, each representing a 1/4,000th interest in

a share of Non-Cumulative Perpetual Preferred Stock, Series A

 FHN PR A New York Stock Exchange LLC

Depositary Shares, each representing a 1/400th interest in

a share of Non-Cumulative Perpetual Preferred Stock, Series B

 FHN PR B New York Stock Exchange LLC

Depositary Shares, each representing a 1/400th interest in

a share of Non-Cumulative Perpetual Preferred Stock, Series C

 FHN PR C New York Stock Exchange LLC

Depositary Shares, each representing a 1/400th interest in

a share of Non-Cumulative Perpetual Preferred Stock, Series D

 FHN PR D New York Stock Exchange LLC

Depositary Shares, each representing a 1/4,000th interest in

a share of Non-Cumulative Perpetual Preferred Stock, Series E

 FHN PR E New York Stock Exchange LLC

 

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

Item 8.01. Other Events.

 

In mid-April, First Horizon Corporation (the “Company”) became aware of a data security incident affecting a limited number of customer accounts. Based on its ongoing investigation, the Company determined that an unauthorized party had obtained login credentials from an unknown source and attempted access to customer accounts. Using the credentials and exploiting a vulnerability in third-party security software, the unauthorized party gained unauthorized access to under 200 on-line customer bank accounts, had access to personal information in those accounts, and fraudulently obtained an aggregate of less than $1 million from some of those accounts. The Company has remediated the software vulnerability, reset the passwords for the identified accounts, is working with the affected customers to close existing accounts and open new ones, has reimbursed the customers for the stolen funds, and has notified the appropriate regulators and enforcement authorities. Based on its ongoing assessment of the incident to date, the Company does not believe that this event will have a material adverse effect on its business, results of operations or financial condition.

 

Filed as Exhibit 99.1 is a copy of selected information derived from First Horizon’s First Quarter 2021 Earnings Release. The exhibit speaks as of the date thereof and First Horizon does not assume any obligation to update in the future the information therein.

 

Item 9.01 Financial Statements and Exhibits

 

(d) Exhibits

 

Exhibit #   Description
     
99.1   Selected information from First Horizon’s First Quarter 2021 Earnings Release
104   Cover Page Interactive Data File, formatted in Inline XBRL
 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

  First Horizon Corporation
   
Date: April 28, 2021 By:  /s/ William C. Losch III  
  William C. Losch III
  Senior Executive Vice President and Chief Financial Officer
 
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EX-99.1 2 c101637_ex99-1.htm

Exhibit 99.1

 

 

 

SUMMARY RESULTS

Quarterly, Unaudited

 

           1Q21 Change vs.
($s in millions, except per share and balance sheet data)  1Q21  4Q20  4Q20
              $/bp   %
Income Statement                    
Net interest income  $508   $522   $(14)   (3)
Noninterest income   298    288    10    3 
Total revenue   806    810    (4)   (1)
Noninterest expense   544    508    36    7 
Pre-provision net revenue1   262    302    (40)   (13)
Provision for credit losses   (45)   1    (46)   NM 
Income before income taxes   307    301    6    2 
Provision for income taxes   71    56    15    26 
Net income   235    245    (10)   (4)
Net income attributable to noncontrolling interest   3    3    —    6 
Net income attributable to controlling interest   233    242    (9)   (4)
Preferred stock dividends   8    8    —    5 
Net income available to common shareholders  $225   $234   $(9)   (4)
                     
Common stock information                    
Diluted EPS  $0.40   $0.42   $(0.02)   (5)
Diluted shares   558    557    1    — 
Key performance metrics                    
Net interest margin   2.63%   2.71%   (8)bp     
Efficiency ratio   67.53    62.71    482      
Effective income tax rate   23.24    18.70    454      
Return on average assets   1.12    1.16    (4)     
Return on average common equity (“ROCE")   12.01    12.53    (52)     
Noninterest income as a % of total revenue   37.00    35.61    139      
Balance Sheet (billions)                    
Average loans  $58.2   $59.8   $(1.6)   (3)
Average deposits   71.0    69.6    1.3    2 
Average assets   85.4    83.8    1.6    2 
Average common equity  $7.6   $7.4   $0.1    2 
Asset Quality Highlights                    
Allowance for credit losses to loans and leases   1.70%   1.80%   (10)bp     
Net charge-off ratio   0.06    0.19    (14)     
Nonperforming loan and leases ratio   0.67%   0.66%   1bp     
Capital Ratio Highlights (current quarter is an estimate)                    
Common Equity Tier 1   9.96%   9.68%   28bp     
Tier 1   11.03    10.74    29      
Total Capital   12.83    12.57    26      
Tier 1 leverage   8.20%   8.24%   (4)bp     

 

Numbers may not foot due to rounding.

See footnote disclosures on page 11.

 

First Quarter 2021 versus Fourth Quarter 2020

Net interest income

 

Net interest income of $508 million declined $14 million from fourth quarter 2020. Results were driven by the impact of a decrease in average loans, day count and lower short-term rates partially offset by improved funding costs. Net interest margin of 2.63% decreased from 2.71% in the prior quarter, largely driven by a 10 basis point reduction tied to excess cash.

 

Noninterest income

 

Noninterest income of $298 million increased $10 million from fourth quarter 2020. Results reflect strength in fixed income and brokerage, trust and insurance partially offset by lower deferred compensation, mortgage banking and title fees and other noninterest income. Fixed income average daily revenue of $1.9 million improved from

  1 

 

$1.5 million in fourth quarter 2020 reflecting the impact of continued overall economic factors including elevated liquidity levels and weak loan demand, as well as interest rate volatility.

 

Noninterest expense

 

Noninterest expense of $544 million increased $36 million from fourth quarter 2020 largely related to the IBERIABANK Corporation (“IBKC”) merger costs.

 

Loans and leases

 

Average loan and lease balances of $58.2 billion decreased $1.6 billion from fourth quarter 2020 reflecting an $893 million decrease in commercial and a $705 million decrease in consumer. Commercial loans trends largely reflected a $972 million decrease in loans to mortgage companies. Period-end loans and leases of $58.6 billion increased $368 million from fourth quarter 2020 largely driven by a $1.0 billion increase in commercial largely tied to PPP loans, offset by a $675 million decrease in consumer.

 

Deposits

 

Average deposits of $71.0 billion increased $1.3 billion from fourth quarter 2020 driven by a $1.2 billion increase in noninterest-bearing deposits largely reflecting the impact of stimulus checks and balance increases tied to PPP loans. Period-end deposits of $73.2 billion at March 31, 2021, increased $3.2 billion from $70.0 billion at December 31, 2020 driven by growth in noninterest-bearing deposits. Interest-bearing deposit costs of 20 basis points improved 6 basis points linked quarter, reflecting continued pricing discipline.

 

Asset quality

 

Provision for credit losses benefit of $45 million compared to expense of $1 million in fourth quarter 2020, largely reflecting continued improvement in the overall macroeconomic outlook and a reduction in consumer loans.

 

Net charge-offs of $8 million, or 6 basis points, improved from $29 million, or 19 basis points, in fourth quarter 2020 reflecting continued improvement in overall asset quality.

 

Nonperforming loans of $394 million increased $7 million from fourth quarter 2020 driven by an increase in commercial real estate. First quarter 2021 allowance to nonperforming coverage ratio of 232% compared with 249% in fourth quarter 2020. First quarter 2021 nonperforming loans to loans ratio of 67 basis points compared with 66 basis points at fourth quarter 2020.

 

The allowance for credit losses to loans ratio decreased to 1.70% from 1.80% in fourth quarter 2020 reflecting an overall improvement in the macroeconomic environment and asset quality.

 

Capital

 

CET1 ratio of 10.0% in first quarter 2021 improved from 9.7% in fourth quarter 2020. The improvement was driven by growth in retained earnings and a reduction in risk-weighted assets tied to lower loan balances; the increase was partially offset by capital return through share repurchases and dividends.

 

On January 27, 2021, the board of directors authorized the company to repurchase up to $500 million of common stock. The board also approved payment of a quarterly cash dividend on its common stock of $0.15 per share. The dividend was paid April 1, 2021. Additionally, the board approved payment of cash dividends on First Horizon’s Series A, Series C, Series D and Series E Preferred Stock.

 

Returned $143 million in capital to common stockholders during the quarter including $58 million, or 3.6 million shares, of common stock repurchases at a weighted average price of $16.12.

 

Income taxes

 

The first quarter 2021 effective tax rate of 23.2% increased from fourth quarter 2020 level of 18.7%.

  2 

 

CONSOLIDATED INCOME STATEMENT

Quarterly, Unaudited

 

           1Q21 Change vs.
($s in millions, except per share data)  1Q21  4Q20  4Q20
              $   %
Net interest income  $508   $522   $(14)   (3)%
Noninterest income:                    
Fixed income   126    104    22    21 
Mortgage banking and title   53    57    (4)   (7)
Brokerage, trust, and insurance   33    31    2    5 
Service charges and fees   53    53    —    — 
Card and digital banking fees   17    18    (1)   (7)
Deferred compensation income   3    9    (6)   (65)
Other noninterest income   15    16    (1)   (6)
Total noninterest income   298    288    10    3 
Total revenue   806    810    (4)   (1)
Noninterest expense:                    
Personnel expense:                    
Salaries and benefits   196    200    (4)   (2)
Incentives and commissions   120    110    10    9 
Deferred compensation expense   3    9    (6)   (67)
Total personnel expense   318    319    (1)   — 
Occupancy and equipment   76    76    —    — 
Outside services   58    59    (1)   (1)
Amortization of intangible assets   14    15    (1)   (5)
Other noninterest expense   78    39    39    100 
Total noninterest expense   544    508    36    7 
Pre-provision net revenue1   262    302    (40)   (13)
Provision for credit losses   (45)   1    (46)   NM 
Income before income taxes   307    301    6    2 
Provision for income taxes   71    56    15    26 
Net income   235    245    (10)   (4)
Net income attributable to noncontrolling interest   3    3    —    6 
Net income attributable to controlling interest   233    242    (9)   (4)
Preferred stock dividends   8    8    —    5 
Net income available to common shareholders  $225   $234   $(9)   (4)%
Common Share Data                    
EPS  $0.41   $0.42   $(0.01)   (2)
Basic shares   552    553    (1)   — 
Diluted EPS  $0.40   $0.42   $(0.02)   (5)
Diluted shares   558    557    1    — 
Effective tax rate   23.2%   18.7%          

 

Numbers may not foot due to rounding. See footnote disclosures on page 11.

  3 

 

FINANCIAL RATIOS

Quarterly, Unaudited

           1Q21 change vs.
   1Q21   4Q20   4Q20
FINANCIAL RATIOS             $/bp    % 
Net interest margin   2.63%   2.71%   (8)bp     
Return on average assets   1.12%   1.16%   (4)     
Return on average common equity (“ROCE”)   12.01%   12.53%   (52)     
Noninterest income as a % of total revenue   37.00%   35.61%   139      
Efficiency ratio   67.53%   62.71%   482      
                     
CAPITAL - PERIOD END                    
CET1 capital ratio*   9.96%   9.68%   28 bp     
Tier 1 capital ratio*   11.03%   10.74%   29 bp     
Total capital ratio*   12.83%   12.57%   26 bp     
Tier 1 leverage ratio*   8.20%   8.24%   (4)bp     
Risk-weighted assets (“RWA”) (billions)  $62.4   $63.1   $(1)   (1)%
Total equity to total assets   9.49%   9.86%   (37)bp     
Period-end shares outstanding (millions)   552    555    (3)   — 
Cash dividends declared per common share  $0.15   $0.15   $—    — 
Book value per common share  $13.65   $13.59   $0.06    — 
                     
SELECTED BALANCE SHEET DATA                    
Loans-to-deposit ratio (period-end balances)   80.09%   83.21%   (312)bp     
Loans-to-deposit ratio (average balances)   82.02%   85.90%   (388)bp     
Full-time equivalent associates   8,284    8,466    (182)   (2)%

 

CONSOLIDATED NET INTEREST INCOME AND AVERAGE BALANCE SHEET: YIELDS AND RATES

Quarterly, Unaudited

 

    1Q21    4Q20
Total loan yield   3.55%   3.56%
Total deposit cost   0.14%   0.18%
Total funding cost   0.24%   0.28%

 

* Current quarter is an estimate.

 

See footnote disclosures on page 11.

  4 

 

CONSOLIDATED PERIOD-END BALANCE SHEET

Quarterly, Unaudited

 

            1Q21 change vs.
(In millions)   1Q21   4Q20   4Q20
              $    % 
Assets:                    
Loans and leases:                    
Commercial, financial, and industrial (C&I)  $33,951   $33,103   $848    3%
Commercial real estate   12,470    12,275    195    2 
Total Commercial   46,421    45,379    1,042    2 
Consumer real estate   11,053    11,725    (672)   (6)
Credit card and other2   1,126    1,128    (2)   — 
Total Consumer   12,178    12,853    (675)   (5)
Loans and leases, net of unearned income   58,600    58,232    368    1 
Loans held for sale   811    1,022    (211)   (21)
Investment securities   8,361    8,057    304    4 
Trading securities   1,076    1,176    (100)   (9)
Interest-bearing deposits with banks   11,635    8,351    3,284    39 
Federal funds sold and securities purchased under agreements to resell   520    445    75    17 
Total interest earning assets   81,004    77,284    3,720    5 
Cash and due from banks   1,169    1,203    (34)   (3)
Goodwill and other intangible assets, net   1,850    1,864    (14)   (1)
Premises and equipment, net   719    759    (40)   (5)
Allowance for loan and lease losses   (914)   (963)   49    5 
Other assets   3,685    4,063    (378)   (9)
Total assets  $87,513   $84,209   $3,304    4%
                     
Liabilities and Shareholders' Equity:                    
Deposits:                    
Savings  $27,023   $27,324   $(301)   (1)%
Time deposits   4,653    5,070    (418)   (8)
Other interest-bearing deposits   16,444    15,415    1,029    7 
Total interest-bearing deposits   48,120    47,810    311    1 
Trading liabilities   454    353    101    29 
Short-term borrowings   2,203    2,198    4    — 
Term borrowings   1,671    1,670    2    — 
Total interest-bearing liabilities   52,448    52,030    417    1 
Noninterest-bearing deposits   25,046    22,173    2,874    13 
Other liabilities   1,712    1,699    12    1 
Total liabilities   79,206    75,903    3,303    4 
Shareholders' Equity:                    
Preferred stock   470    470    —    — 
Common stock   345    347    (2)   — 
Capital surplus   5,036    5,073    (37)   (1)
Retained earnings   2,402    2,261    140    6 
Accumulated other comprehensive loss, net   (242)   (140)   (102)   (73)
Combined shareholders' equity   8,012    8,012    —    — 
Noncontrolling interest   295    295    —    — 
Total shareholders' equity   8,307    8,307    —    — 
Total liabilities and shareholders' equity  $87,513   $84,209   $3,304    4%
Memo:                    
Total Deposits  $73,167   $69,982   $3,184    5%

 

Numbers may not foot due to rounding. See footnote disclosures on page 11.

  5 

 

CONSOLIDATED NONPERFORMING LOANS AND LEASES ("NPL")

Quarterly, Unaudited

 

   As of   1Q21 change vs.
(In millions, except ratio data)   1Q21   4Q20   4Q20
              $    % 
Nonperforming loans and leases                    
Commercial, financial, and industrial (C&I)  $144   $144   $—    —%
Commercial real estate   67    58    9    15 
Consumer real estate   180    182    (2)   (1)
Credit card and other   2    2    —    22 
Total nonperforming loans and leases  $394   $386   $7    2%
                     
Asset Quality Ratio                    
Nonperforming loans and leases to loans and leases                    
Commercial, financial, and industrial (C&I)   0.42%   0.43%          
Commercial real estate   0.54    0.48           
Consumer real estate   1.63    1.56           
Credit card and other   0.22    0.18           
Total nonperforming loans and leases to loans and leases   0.67%   0.66%          
Numbers may not foot due to rounding.             `      

 

CONSOLIDATED LOANS AND LEASES 90 DAYS OR MORE PAST DUE AND ACCRUING

Quarterly, Unaudited

 

   As of   1Q21 change vs.
(In millions)   1Q21   4Q20   4Q20  
              $    % 
Loans and leases 90 days or more past due and accruing                    
Commercial, financial, and industrial (C&I)  $—   $—   $—    (62)%
Commercial real estate   —    —    —    NM 
Consumer real estate   12    15    (3)   (19)
Credit card and other   —    1    —    (37)
Total loans and leases 90 days or more past due and accruing  $13   $16   $(3)   (20)%

 

Numbers may not foot due to rounding.

  6 

 

CONSOLIDATED NET CHARGE-OFFS

Quarterly, Unaudited

 

   As of  1Q21 change vs.
(In millions, except ratio data)  1Q21  4Q20  4Q20
Charge-off, Recoveries and Related Ratios             $    %  
Gross Charge-offs                      
Commercial, financial, and industrial (C&I)  $15   $35   $(20)   (56)%  
Commercial real estate   3    —    3    NM   
Consumer real estate   1    1    —    (6)  
Credit card and other   3    4    (1)   (16)
Total gross charge-offs  $23   $40   $(17)   (43)%
Gross Recoveries                      
Commercial, financial, and industrial (C&I)  $(6)  $(4)  $(2)   (47)%  
Commercial real estate   (2)   (1)   —    (43)  
Consumer real estate   (6)   (5)   (1)   (25)  
Credit card and other   (1)   (1)   —    22 
Total gross recoveries  $(15)  $(12)  $(3)   (28)%
Net Charge-offs (Recoveries)                      
Commercial, financial, and industrial (C&I)  $10   $31   $(22)   (69)%  
Commercial real estate   2    (1)   2    NM   
Consumer real estate   (5)   (4)   (1)   (38)  
Credit card and other   2    2    —    (13)
Total net charge-offs  $8   $29   $(21)   (72)%
                       
Annualized Net Charge-off (Recovery) Rates                      
Commercial, financial, and industrial (C&I)   0.12%   0.36%            
Commercial real estate   0.06    (0.02)            
Consumer real estate   (0.18)   (0.12)            
Credit card and other   0.65    0.68           
Total loans and leases   0.06%   0.19%          
Numbers may not foot due to rounding.                      
  7 

 

CONSOLIDATED ALLOWANCE FOR LOAN AND LEASE LOSSES AND RESERVE FOR UNFUNDED COMMITMENTS

Quarterly, Unaudited

 

   As of  1Q21 Change vs.
(In millions)  1Q21  4Q20  4Q20
Summary of Changes in the Components of the Allowance For Credit Losses                     $       %  
Allowance for loan and lease losses - beginning  $963   $988   $(25)   (3)%  
Charge-offs:                      
Commercial, financial, and industrial (C&I)   (15)   (35)   20    56   
Commercial real estate   (3)   —    (3)   NM   
Consumer real estate   (1)   (1)   —    6   
Credit card and other   (3)   (4)   1    16 
Total charge-offs   (23)   (40)   17    43 
Recoveries:                      
Commercial, financial, and industrial (C&I)   6    4    2    47   
Commercial real estate   2    1    —    43   
Consumer real estate   6    5    1    25   
Credit card and other   1    1    —    (22)
Total Recoveries   15    12    3    28 
Provision for loan and lease losses:                      
Commercial, financial, and industrial (C&I)   (1)   (5)   4    81   
Commercial real estate   (8)   34    (42 )   (124)  
Consumer real estate   (26)   (27)   1    5   
Credit card and other   (6)   3    (9)   NM 
Total provision for loan and lease losses:   (41)   4    (45)   NM 
Allowance for loan and lease losses - ending  $914   $963   $(49)   (5)%
Reserve for unfunded commitments - beginning  $85   $89   $(4)   (5)%  
Cumulative effect of change in accounting principle   —    —    —    NM   
Acquired reserve for unfunded commitments   —    (1)   1    100   
Provision for unfunded commitments   (4)   (3)   (1)   (33)
Reserve for unfunded commitments - ending  $81   $85   $(4)   (5)
Total allowance for credit losses- ending  $995   $1,048   $(53)   (5)%  
                       
Numbers may not foot due to rounding.                      

 

CONSOLIDATED ASSET QUALITY RATIOS - ALLOWANCE FOR LOAN AND LEASE LOSSES

Quarterly, Unaudited

 

      As of
    1Q21   4Q20
           
Allowance for loans and lease losses to loans and leases          
Commercial, financial, and industrial (C&I)   1.30%   1.37%
Commercial real estate   1.86%   1.97%
Consumer real estate   2.00%   2.07%
Credit card and other   1.63%   2.34%
Total allowance for loans and lease losses to loans and leases   1.56%   1.65%
Allowance for loans and lease losses to nonperforming loans and leases          
Commercial, financial, and industrial (C&I)   307%   315%
Commercial real estate   345%   415%
Consumer real estate   123%   133%
Credit card and other   749%   1,313%
Total allowance for loans and lease losses to nonperforming loans and leases   232%   249%
  8 

 

REGIONAL BANKING

Quarterly, Unaudited

 

 

         1Q21 Change vs.  
   1Q21  4Q20  4Q20  
              $/bp    %  
Income Statement (millions)                      
Net interest income  $426   $430   $(4)   (1)%  
Noninterest income   99    105    (6)   (6)
Total revenue   526    535    (9)   (2)  
Noninterest expense   272    306    (34)   (11)
Pre-provision net revenue1   254    229    25    11   
Provision for credit losses   (32)   (2)   (30)   NM 
Income before income tax expense   286    231    55    24   
Income tax expense   66    53    13    25 
Net income  $220   $178   $42    24%
                       
Average Balances (billions)                      
Total loans and leases  $40.1   $40.6   $(0.5)   (1)%  
Interest-earning assets   40.1    40.6    (0.5)   (1)  
Total assets   42.4    43.0    (0.6)   (1)  
Total deposits   62.0    60.7    1.3    2   
                       
Key Metrics                      
Net interest margin3   4.34%   4.24%   10bp       
Efficiency ratio   51.66%   57.26%   (560)bp       
Loans-to-deposits ratio (period-end balances)   62.53%   65.37%   (284)bp       
Loans-to-deposits ratio (average-end balances)   64.60%   66.91%   (231)bp       
Return on average assets (annualized)   2.10%   1.65%   45bp       
Return on allocated equity4   24.05%   17.97%   608bp       
Financial center locations   490    492    (2)   —%

 

Numbers may not add to total due to rounding.

Certain previously reported amounts have been reclassified to agree with current presentation.

See footnote disclosures on page 11.

 

Regional Banking segment: Offers financial products and services, including traditional lending and deposit taking, to consumer and commercial customers primarily in the southern and southeastern U.S. and other selected markets. Regional Banking also provides investment, wealth management, financial planning, trust and asset management services for consumer customers.

  9 

 

SPECIALTY BANKING

Quarterly, Unaudited

 

         1Q21 Change vs.
   1Q21  4Q20  4Q20
              $/bp    %  
Income Statement (millions)                      
Net interest income  $159   $173   $(14)   (8)%  
Noninterest income   185    167    18    11 
Total revenue   344    340    4    1   
Noninterest expense   154    135    19    14 
Pre-provision net revenue1   190    205    (15)   (7)  
Provision for credit losses   (7)   11    (18)   NM 
Income before income tax expense   196    194    2    1   
Income tax expense   47    47    —    — 
Net income  $149   $147   $2    1%
                     
Average Balances (billions)                      
Total loans and leases  $17.2   $18.2   $(1.0)   (6)%  
Interest-earning assets   20.2    21.1    (0.9)   (4)  
Total assets   21.5    22.5    (1.0)   (4)  
Total deposits   5.4    4.9    0.4    9   
                       
Key Metrics                      
Fixed income product average daily revenue (thousands)  $1,885   $1,505   $380    25%  
Net interest margin3   3.19%   3.26%   (7)bp       
Efficiency ratio   44.86%   39.71%   515bp       
Loans-to-deposits ratio (period-end balances)   314%   365%   (5,086)bp       
Loans-to-deposits ratio (average-end balances)   320%   370%   (4,944)bp       
Return on average assets (annualized)   2.81%   2.60%   21bp       
Return on allocated equity4   33.73%   32.33%   140bp     

 

Numbers may not add to total due to rounding.

Certain previously reported amounts have been reclassified to agree with current presentation.

See footnote disclosures on page 11.

 

Specialty Banking segment: Consists of lines of business that deliver product offerings and services with specialized industry knowledge. Specialty Banking’s lines of business include asset-based lending, mortgage warehouse lending, commercial real estate, franchise finance, correspondent banking, equipment finance, mortgage, and title insurance. In addition to traditional lending and deposit taking, Specialty Banking also delivers treasury management solutions, loan syndications, international banking and SBA lending. Additionally, Specialty Banking has a line of business focused on fixed income securities sales, trading, underwriting, and strategies for institutional clients in the U.S. and abroad, as well as loan sales, portfolio advisory services, and derivative sales.

  10 

 

CORPORATE

Quarterly, Unaudited        

 

         1Q21 Change vs.
   1Q21  4Q20  4Q20
              $    %  
Income Statement (millions)                      
Net interest income/(expense)  $(77)   $(81)  $4    5%  
Noninterest income   13    17    (4)   (24)
Total revenues   (64)   (64)   —    —   
Noninterest expense   118    67    51    76 
Pre-provision net revenue1   (182)   (131)   (51)   (39)  
Provision for credit losses   (6)   (7)   1    14 
Income before income tax expense   (176)   (124)   (52)   (42)  
Income tax expense (benefit)   (43)   (44)   1    2 
Net income/(loss)  $(133)   $(80)  $(53)   (66)%
                       
Average Balance Sheet (billions)                      
Interest bearing assets  $18.4   $15.3   $3.2    21%  
Total assets   21.5    18.3    3.2    17 

 

Numbers may not add to total due to rounding.

Certain previously reported amounts have been reclassified to agree with current presentation.

See footnote disclosures on page 11.

 

Corporate segment: Consists primarily of corporate support functions including risk management, audit, accounting, finance, executive office, and corporate communications. Shared support services such as human resources, properties, technology, credit risk and bank operations are allocated to the activities of Regional Banking, Specialty Banking, and Corporate. Additionally, the Corporate segment includes centralized management of capital and funding to support the business activities of the company including management of wholesale funding, liquidity, and capital management and allocation. Finally, the Corporate segment includes the revenue and expense associated with run-off businesses such as pre-2009 mortgage banking elements, run-off consumer and trust preferred loan portfolios, and other exited businesses.

 

FOOTNOTES

1 Pre-provision net revenue is a non-GAAP measure and is reconciled to income before income taxes (GAAP) in the table.
2 Credit card and other includes an insignificant amount of commercial credit card balances.
3 Net interest margin is computed using total NII adjusted for FTE assuming a statutory federal income tax rate of 21 percent, and, where applicable state taxes.
4 Segment equity is allocated based on an internal allocation methodology.
  11 

 

GLOSSARY OF TERMS

 

Common Equity Tier 1 Ratio: Ratio consisting of common equity adjusted for certain unrealized gains/(losses) on available-for-sale securities, less disallowed portions of goodwill, other intangibles, and deferred tax assets as well as certain other regulatory deductions divided by risk-weighted assets.

 

Current Expected Credit Loss (“CECL”): New accounting standard that focuses on estimation of expected losses over the life of the loans which is measured by the difference between amortized cost and the net amount expected to be collected.

 

Fully Taxable Equivalent (“FTE”): Reflects the amount of tax-exempt income adjusted to a level that would yield the same after-tax income had that income been subject to taxation.

 

Non-Purchased Credit Deteriorated (“Non-PCD”) Financial Assets: Acquired individual financial assets (or acquired groups of financial assets with similar risk characteristics) that, as of the date of acquisition, do not have a more-than-insignificant deterioration in credit quality since origination, as determined by an acquirer’s assessment.

 

Purchased Credit Deteriorated (“PCD”) Financial Assets: Acquired individual financial assets (or acquired groups of financial assets with similar risk characteristics) that, as of the date of acquisition, have experienced a more-than-insignificant deterioration in credit quality since origination, as determined by an acquirer’s assessment.

 

Tier 1 Capital Ratio: Ratio consisting of shareholders’ equity adjusted for certain unrealized gains/(losses) on available-for-sale securities, plus qualifying portions of noncontrolling interests, less disallowed portions of goodwill, other intangible assets, and deferred tax assets as well as certain other regulatory deductions divided by risk-weighted assets.

 

Key Ratios

 

Return on Average Assets: Ratio is annualized net income to average total assets.

 

Return on Average Common Equity: Ratio is annualized net income available to common shareholders to average common equity.

 

Noninterest Income as a Percentage of Total Revenue: Ratio is noninterest income to total revenue - taxable equivalent.

 

Efficiency Ratio: Ratio is noninterest expense to total revenue - taxable equivalent.

 

Leverage Ratio: Ratio is tier 1 capital to average assets for leverage.

 

Asset Quality - Consolidated Key Ratios

 

Nonperforming loans and leases ("NPL") %: Ratio is nonaccruing loans and leases in the loan portfolio to total period-end loans and leases.

 

Net charge-offs %: Ratio is annualized net charge-offs to total average loans and leases.

 

Allowance / loans and leases: Ratio is allowance for loan and lease losses to total period-end loans and leases.

 

Allowance / Nonperforming loans and leases: Ratio is allowance for loan and lease losses to nonperforming loans and leases in the loan portfolio.

 

Allowance / charge-offs: Ratio is allowance for loan and lease losses to annualized net charge-offs.

 

Operating Segments

 

Regional Banking segment: Offers financial products and services, including traditional lending and deposit taking, to consumer and commercial customers primarily in the southern and southeastern U.S. and other selected markets. Regional Banking also provides investment, wealth management, financial planning, trust and asset management services for consumer customers.

 

Specialty Banking segment: Consists of lines of business that deliver product offerings and services with specialized industry knowledge. Specialty Banking’s lines of business include asset-based lending, mortgage warehouse lending, commercial real estate, franchise finance, correspondent banking, equipment finance, mortgage, and title insurance. In addition to traditional lending and deposit taking, Specialty Banking also delivers treasury management solutions, loan syndications, international banking and SBA lending. Additionally, Specialty Banking has a line of business focused on fixed income securities sales, trading, underwriting, and strategies for institutional clients in the U.S. and abroad, as well as loan sales, portfolio advisory services, and derivative sales.

 

Corporate segment: Consists primarily of corporate support functions including risk management, audit, accounting, finance, executive office, and corporate communications. Shared support services such as human resources, properties, technology, credit risk and bank operations are allocated to the activities of Regional Banking, Specialty Banking, and Corporate. Additionally, the Corporate segment includes centralized management of capital and funding to support the business activities of the company including management of wholesale funding, liquidity, and capital management and allocation. Finally, the Corporate segment includes the revenue and expense associated with run-off businesses such as pre-2009 mortgage banking elements, run-off consumer and trust preferred loan portfolios, and other exited businesses.

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Document And Entity Information
Apr. 28, 2021
Document Information Line Items  
Entity Registrant Name First Horizon Corporation
Document Type 8-K
Amendment Flag false
Entity Central Index Key 0000036966
Document Period End Date Apr. 28, 2021
Entity Emerging Growth Company false
Entity Incorporation, State or Country Code TN
Entity File Number 001-15185
Entity Tax Identification Number 62-0803242
Entity Address, Address Line One 165 Madison Avenue
Entity Address, City or Town Memphis
Entity Address, State or Province TN
Entity Address, Postal Zip Code 38103
City Area Code 901
Local Phone Number 523-4444
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Common Class A [Member]  
Document Information Line Items  
Trading Symbol FHN
Title of 12(b) Security $0.625 Par Value Common Capital Stock
Security Exchange Name NYSE
Series A Preferred Stock [Member]  
Document Information Line Items  
Trading Symbol FHN PR A
Title of 12(b) Security Depositary Shares, each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A
Security Exchange Name NYSE
Series B Preferred Stock [Member]  
Document Information Line Items  
Trading Symbol FHN PR B
Title of 12(b) Security Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series B
Security Exchange Name NYSE
Series C Preferred Stock [Member]  
Document Information Line Items  
Trading Symbol FHN PR C
Title of 12(b) Security Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series C
Security Exchange Name NYSE
Series D Preferred Stock [Member]  
Document Information Line Items  
Trading Symbol FHN PR D
Title of 12(b) Security Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series D
Security Exchange Name NYSE
Series E Preferred Stock [Member]  
Document Information Line Items  
Trading Symbol FHN PR E
Title of 12(b) Security Depositary Shares, each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series E
Security Exchange Name NYSE
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