Mar 31, 2020

M&T Bank Q1 2020 Earnings Report

Announced first quarter results, impacted by COVID-19 pandemic and adoption of amended accounting guidance for credit losses.

Key Takeaways

M&T Bank Corporation reported a GAAP-basis net income of $269 million for the first quarter of 2020, a decrease compared to $483 million in the same quarter of the previous year. The results were impacted by the COVID-19 pandemic and the adoption of amended accounting guidance for credit losses, which led to a $132 million increase in the allowance for credit losses as of January 1, 2020.

Diluted earnings per common share were $1.93, compared to $3.35 in the first quarter of 2019.

GAAP-basis net income expressed as an annualized rate of return on average assets was 0.90%.

A provision for credit losses of $250 million was recorded in the first quarter of 2020.

Taxable-equivalent net interest income was $982 million, compared to $1.06 billion in the first quarter of 2019.

Total Revenue
$1.51B
Previous year: $1.55B
-2.9%
EPS
$1.95
Previous year: $3.38
-42.3%
Net Interest Margin
3.65%
Previous year: 4.04%
-9.7%
Efficiency Ratio
58.91%
Previous year: 57.56%
+2.3%
Net Charge-offs Ratio
0.22%
Previous year: 0.1%
+120.0%
Cash and Equivalents
$1.3B
Previous year: $1.27B
+2.4%
Total Assets
$125B
Previous year: $120B
+3.8%

M&T Bank

M&T Bank

M&T Bank Revenue by Segment

Forward Guidance

M&T Bank expects the COVID-19 pandemic to have a material impact on its future financial results, although the full extent is uncertain and not currently estimable.