0000714310-22-000128.txt : 20221027 0000714310-22-000128.hdr.sgml : 20221027 20221027095717 ACCESSION NUMBER: 0000714310-22-000128 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 35 CONFORMED PERIOD OF REPORT: 20221027 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20221027 DATE AS OF CHANGE: 20221027 FILER: COMPANY DATA: COMPANY CONFORMED NAME: VALLEY NATIONAL BANCORP CENTRAL INDEX KEY: 0000714310 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 222477875 STATE OF INCORPORATION: NJ FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-11277 FILM NUMBER: 221335273 BUSINESS ADDRESS: STREET 1: ONE PENN PLAZA CITY: NEW YORK STATE: NY ZIP: 10119 BUSINESS PHONE: (973) 305-8800 MAIL ADDRESS: STREET 1: ONE PENN PLAZA CITY: NEW YORK STATE: NY ZIP: 10119 8-K 1 vly-20221027.htm 8-K vly-20221027
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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
Date of report (Date of earliest event reported) October 27, 2022

Valley National Bancorp
(Exact Name of Registrant as Specified in Charter)

New Jersey
1-11277
22-2477875
(State or Other Jurisdiction
of Incorporation)
(Commission File Number)
(I.R.S. Employer
Identification Number)
One Penn Plaza,
New York,
New York
10119
(Address of Principal Executive Offices)
(Zip Code)
Registrant’s telephone number, including area code (973) 305-8800

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 classTrading SymbolsName of exchange on which registered
Common Stock, no par valueVLYThe Nasdaq Stock Market LLC
Non-Cumulative Perpetual Preferred Stock, Series A, no par valueVLYPPThe Nasdaq Stock Market LLC
Non-Cumulative Perpetual Preferred Stock, Series B, no par valueVLYPOThe Nasdaq Stock Market 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 2.02Results of Operations and Financial Condition.

On October 27, 2022, Valley National Bancorp (“Valley”) issued a press release reporting third quarter 2022 results of operations.

A copy of the press release is attached to this Current Report Form 8-K as Exhibit 99.1.

The information disclosed in this Item 2.02 shall be considered “furnished” but not “filed” for purposes of the Securities Exchange Act of 1934, as amended.

Valley’s third quarter 2022 press release contains certain supplemental financial information, described in the Notes to Selected Financial Data included in Exhibit 99.1, which has been determined by methods other than U.S. Generally Accepted Accounting Principles (“GAAP”). Management internally reviews each of these non-GAAP financial measures to evaluate performance on a comparative period to period basis. Management believes that the non-GAAP financial measures provide useful supplemental information to both management and investors in understanding Valley’s underlying operational performance, business and performance trends, and may facilitate comparisons of our current and prior performance with the performance of others in the financial services industry. These non-GAAP financial measures should not be considered in isolation or as a substitute for or superior to financial measures calculated in accordance with U.S. GAAP.
Item 7.01
Regulation FD Disclosure.

Valley is furnishing presentation materials included as Exhibit 99.2 to this report pursuant to Item 7.01 of Form 8-K. Valley is not undertaking to update this presentation. The information in this report (including Exhibit 99.2) is being furnished pursuant to Item 7.01 and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section. This report will not be deemed an admission as to the materiality of any information herein (including Exhibit 99.2).

Item 9.01Financial Statements and Exhibits.
Exhibit No.Description
(d)Exhibits.
99.1
The Press Release disclosed in this Item 9.01 as Exhibit 99.1 shall be considered “furnished” but not “filed” for purposes of the Securities Exchange Act of 1934, as amended.
99.2
The presentation materials disclosed in this Item 9.01 as Exhibit 99.2 shall be considered “furnished” but not “filed” for purposes of the Securities Exchange Act of 1934, as amended.







SIGNATURE

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.

Dated: October 27, 2022
VALLEY NATIONAL BANCORP
By:
/s/ Michael D. Hagedorn
Michael D. Hagedorn
Senior Executive Vice President and
Chief Financial Officer
(Principal Financial Officer)




EX-99.1 2 exhibit991earningsrelease1.htm EX-99.1 Document
Exhibit 99.1
valleylogoa22.jpg
News Release

    
FOR IMMEDIATE RELEASEContact:Michael D. Hagedorn
Senior Executive Vice President and
Chief Financial Officer
973-872-4885

VALLEY NATIONAL BANCORP REPORTS A 45 PERCENT INCREASE IN THIRD QUARTER 2022 EARNINGS WITH STRONG NET INTEREST INCOME AND MARGIN


NEW YORK, NY – October 27, 2022 -- Valley National Bancorp (NASDAQ:VLY), the holding company for Valley National Bank, today reported net income for the third quarter 2022 of $178.1 million, or $0.34 per diluted common share, as compared to the third quarter 2021 earnings of $122.6 million, or $0.29 per diluted common share, and net income of $96.4 million, or $0.18 per diluted common share, for the second quarter 2022. Excluding all non-core charges, our adjusted net income (a non-GAAP measure) was $181.5 million, or $0.35 per diluted common share, for the third quarter 2022, $124.7 million, or $0.30 per diluted common share, for third quarter 2021, and $165.8 million, or $0.32 per diluted common share, for the second quarter 2022. See further details below, including a reconciliation of our non-GAAP adjusted net income in the "Consolidated Financial Highlights" tables.

Key financial highlights for the third quarter:

Net Interest Income and Margin: Net interest income on a tax equivalent basis of $455.3 million for the third quarter 2022 increased $35.7 million and $153.6 million as compared to the second quarter 2022 and third quarter 2021, respectively, reflecting a well-positioned balance sheet and continued organic loan growth in the current rising interest rate environment. Our net interest margin on a tax equivalent basis remained strong and increased by 17 basis points to 3.60 percent in the third quarter 2022 as compared to 3.43 percent for the second quarter 2022. See the "Net Interest Income and Margin" section below for more details.
Loan Portfolio: Total loans increased $1.6 billion to $45.2 billion at September 30, 2022 from June 30, 2022 primarily due to strong organic loan growth. Our loan portfolio increased 15 percent on an annualized basis during the third quarter 2022 from the second quarter 2022 as a result of solid commercial loan volumes and a continued increase in new residential mortgage loans originated for investment rather than sale. During the third quarter 2022, we sold only $48.4 million of residential mortgage loans. See the "Loans, Deposits and Other Borrowings" section below for more details.
Allowance and Provision for Credit Losses for Loans: The allowance for credit losses for loans totaled $498.4 million and $491.0 million at September 30, 2022 and June 30, 2022, respectively, representing 1.10 percent and 1.13 percent of total loans at each respective date. During the third quarter 2022, the provision for credit losses for loans totaled $1.8 million as compared to $43.7 million and $3.5 million for the second quarter 2022 and third quarter 2021, respectively. The second quarter 2022 provision included $41.0 million related to non-PCD





Valley National Bancorp (NASDAQ: VLY)
Third Quarter 2022 Earnings
October 27, 2022


loans and unfunded credit commitments acquired from Bank Leumi Le-Israel Corporation (Bank Leumi USA) on April 1, 2022.
Credit Quality: Non-accrual loans represented 0.65 percent and 0.72 percent of total loans at September 30, 2022 and June 30, 2022, respectively. Net recoveries of loan charge-offs totaled $5.6 million for the third quarter 2022 as compared to net loan charge-offs of $2.3 million for the second quarter 2022. Total accruing past due loans increased $25.2 million to $98.7 million, or 0.22 percent of total loans, at September 30, 2022 as compared to $73.5 million, or 0.17 percent of total loans, at June 30, 2022. See the "Credit Quality" section below for more details.
Non-Interest Income: Non-interest income decreased $2.3 million to $56.2 million for the third quarter 2022 as compared to the second quarter 2022 primarily due to the decline in sales of residential mortgage loans. Net gains on sales of loans decreased $2.7 million to $922 thousand for the third quarter 2022 as compared to $3.6 million for the second quarter 2022.
Non-Interest Expense: Non-interest expense decreased $38.1 million to $261.6 million for the third quarter 2022 as compared to the second quarter 2022. The decrease was largely due to $54.5 million of merger expenses incurred during the second quarter 2022 as compared to only $4.7 million during the third quarter 2022 resulting from the Bank Leumi USA acquisition. Salary and employee benefits expense included $1.3 million and $28.0 million of the merger expenses for the third quarter 2022 and second quarter 2022, respectively. Within salary and employee benefits expense, non-merger related expense increased $6.5 million in the third quarter 2022 as compared to the second quarter 2022 partially due to the impact of competitive labor markets and higher incentive compensation accruals. The third quarter 2022 also included a $2.0 million contribution to the Valley Bank Charitable Fund which will enable Valley to further support local nonprofit and community organizations.
Efficiency Ratio: Our efficiency ratio was 49.76 percent for the third quarter 2022 as compared to 50.78 percent and 49.16 percent for the second quarter 2022 and third quarter 2021, respectively. See the "Consolidated Financial Highlights" tables below for additional information regarding our non-GAAP measures.
Performance Ratios: Annualized return on average assets (ROA), shareholders’ equity (ROE) and tangible ROE were 1.30 percent, 11.39 percent, and 17.21 percent for the third quarter 2022, respectively. Annualized ROA, ROE, and tangible ROE, adjusted for non-core charges, were 1.32 percent, 11.60 percent and 17.54 percent for the third quarter 2022, respectively. See the "Consolidated Financial Highlights" tables below for additional information regarding our non-GAAP measures.

Ira Robbins, CEO commented, “The third quarter’s exceptional results were highlighted by continued profitability improvement and very strong credit quality metrics. Our asset sensitive balance sheet continues to grow and benefit from rising interest rates despite the increased funding pressure that is evident across the industry. We are pleased with our ongoing net interest margin enhancement and consistent net interest income growth. Despite a reduction in origination activity, loan growth remained strong as payoffs slowed meaningfully during the quarter. Additionally, a handful of positive credit resolutions led to approximately $6 million of net loan recoveries during the third quarter 2022 and a reduction in non-accrual loan balances at September 30, 2022. Valley’s asset quality and
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Valley National Bancorp (NASDAQ: VLY)
Third Quarter 2022 Earnings
October 27, 2022


consistent underwriting criteria remain a hallmark of our organization and have driven solid performance across various economic environments.”

Mr. Robbins continued, “While the environment around us is uncertain and rapidly changing, I am incredibly proud of Valley’s ability to continually execute on strategic growth opportunities. As Valley continues to evolve, our unique relationship-focused commercial bank stands out in an increasingly commoditized financial service landscape.”
Net Interest Income and Margin
Net interest income on a tax equivalent basis totaling $455.3 million for the third quarter 2022 increased $35.7 million as compared to the second quarter 2022 and increased $153.6 million from the third quarter 2021. Interest income on a tax equivalent basis in the third quarter 2022 increased $83.7 million to $538.0 million as compared to the second quarter 2022. The increase was mostly due to higher average loan balances driven by our organic loan growth and increased yields on both new originations and adjustable rate loans in our portfolio. Interest expense of $82.7 million for the third quarter 2022 increased $47.9 million as compared to the second quarter 2022 largely due to higher interest rates on both non-maturity deposits and short-term borrowings, as well as a $1.5 billion increase in average interest bearing liabilities.

Our net interest margin on a tax equivalent basis of 3.60 percent for the third quarter 2022 increased by 17 basis points and 45 basis points from 3.43 percent and 3.15 percent for the second quarter 2022 and third quarter 2021, respectively. The yield on average interest earning assets increased by 54 basis points on a linked quarter basis mostly due to the aforementioned higher yields on new and adjustable rate loans in the third quarter 2022 as compared to the second quarter 2022. The yield on average loans increased by 57 basis points to 4.48 percent for the third quarter 2022 as compared to the second quarter 2022 largely due to the higher level of market interest rates. The yields on average taxable and non-taxable investments also increased 9 basis points and 25 basis points, respectively, from the second quarter 2022 largely due to investment maturities and prepayments redeployed into new higher yielding securities, as well as lower premium amortization expense caused by a decline in prepayments on mortgage-backed securities during the third quarter 2022. Our cost of total average deposits increased to 0.59 percent for the third quarter 2022 from 0.19 percent for the second quarter 2022. The overall cost of average interest bearing liabilities also increased 59 basis points to 1.06 percent for the third quarter 2022 as compared to the second quarter 2022. The increased cost of funds was mainly due to higher interest rates on most of our interest bearing deposit products combined with greater utilization of brokered and retail CDs in our funding mix during the third quarter 2022.
Loans, Deposits and Other Borrowings
Loans. Loans increased $1.6 billion to approximately $45.2 billion at September 30, 2022 from June 30, 2022 largely due to strong organic loan growth and slower paydowns of existing loans. Commercial and industrial, total commercial real estate (including construction), and residential mortgage increased 9 percent, 17 percent and 14 percent, respectively, on an annualized basis during the third quarter 2022. SBA Paycheck Protection Program (PPP) loans within the commercial and industrial category totaled $85.8 million at September 30, 2022 compared to $136.0 million at June 30,
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Valley National Bancorp (NASDAQ: VLY)
Third Quarter 2022 Earnings
October 27, 2022


2022. Solid organic commercial loan production continued to be experienced across most of our geographic footprints and supported by our market expansion efforts resulting from the Bank Leumi USA acquisition in the second quarter 2022. Residential mortgage loans increased $172.1 million during the third quarter 2022 almost entirely due to new loan activity in the purchased home market and higher levels of such loans originated for investment rather than sale. Residential mortgage loans held for sale at fair value totaled only $6.1 million and $18.3 million at September 30, 2022 and June 30, 2022, respectively.
Deposits. Total deposits increased $1.4 billion to approximately $45.3 billion at September 30, 2022 from June 30, 2022 largely due to growth in our retail and brokered CD portfolios. Total brokered deposits, consisting of money market and time deposit accounts, increased to $3.7 billion at September 30, 2022 as compared to $2.3 billion at June 30, 2022. Non-interest bearing deposits; savings, NOW and money market deposits; and time deposits represented approximately 34 percent, 52 percent and 14 percent of total deposits as of September 30, 2022, respectively, as compared to 37 percent, 54 percent and 9 percent of total deposits as of June 30, 2022, respectively. The increase in time deposits within our overall deposit mix is a result of strategic retail CD campaigns and higher brokered CDs at September 30, 2022.
Other Borrowings. Short-term borrowings decreased $603.5 million to $919.3 million at September 30, 2022 as compared to June 30, 2022 largely due to the maturity of FHLB advances during the third quarter 2022 and our increased utilization of brokered deposits, as a favorable funding alternative at September 30, 2022. Long-term borrowings increased to approximately $1.5 billion at September 30, 2022 as compared to $1.4 billion at June 30, 2022 primarily due to the issuance of new subordinated notes during the third quarter 2022. On September 20, 2022, Valley issued $150 million of 6.25 percent fixed-to-floating rate subordinated notes due September 30, 2032. At September 30, 2022, the subordinated notes had a carrying value of $147.5 million, net of unamortized debt issuance costs.
Credit Quality
Non-Performing Assets (NPAs). Total NPAs, consisting of non-accrual loans, other real estate owned (OREO) and other repossessed assets decreased $19.9 million to $294.8 million at September 30, 2022 as compared to June 30, 2022 mostly due to declines in non-accrual commercial and industrial and commercial real estate loans mainly caused by a few large loan repayments, and, to a lesser extent, loan charge-offs during the third quarter 2022. Non-accrual loans represented 0.65 percent of total loans at September 30, 2022 compared to 0.72 percent at June 30, 2022.
Non-performing Taxi Medallion Loan Portfolio. Our non-performing taxi medallion loans within the non-accrual commercial and industrial loan category decreased $4.1 million to $76.3 million at September 30, 2022 from June 30, 2022 mostly due to partial loan charge-offs related to one borrower during the third quarter 2022. At September 30, 2022, all taxi medallion loans were on non-accrual status and had related reserves of $51.4 million, or 67.3 percent of such loans, within the allowance for loan losses.
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Valley National Bancorp (NASDAQ: VLY)
Third Quarter 2022 Earnings
October 27, 2022


Accruing Past Due Loans. Total accruing past due loans (i.e., loans past due 30 days or more and still accruing interest) increased $25.2 million to $98.7 million, or 0.22 percent of total loans, at September 30, 2022 as compared to $73.5 million, or 0.17 percent of total loans at June 30, 2022.
Loans 60 to 89 days past due increased $11.2 million as compared to June 30, 2022 mostly due to two construction loan relationships totaling $13.0 million included in this delinquency category at September 30, 2022.
Loans 90 days or more past due and still accruing interest increased $14.2 million as compared to June 30, 2022 mainly due to two commercial real estate loan relationships totaling $9.7 million and $5.4 million, respectively, included in this delinquency category at September 30, 2022. All loans 90 days or more past due and still accruing interest are well-secured and in the process of collection.
Allowance for Credit Losses for Loans and Unfunded Commitments. The following table summarizes the allocation of the allowance for credit losses to loan categories and the allocation as a percentage of each loan category at September 30, 2022, June 30, 2022 and September 30, 2021:

September 30, 2022June 30, 2022September 30, 2021
AllocationAllocationAllocation
as a % ofas a % ofas a % of
AllowanceLoanAllowanceLoanAllowanceLoan
AllocationCategoryAllocationCategoryAllocationCategory
($ in thousands)
Loan Category:
Commercial and industrial loans$154,051 1.77 %$144,539 1.70 %$103,877 1.84 %
Commercial real estate loans:
Commercial real estate217,124 0.89 227,457 0.97 178,206 0.99 
Construction50,656 1.42 49,770 1.47 21,515 1.19 
Total commercial real estate loans267,780 0.95 277,227 1.03 199,721 1.01 
Residential mortgage loans36,157 0.70 29,889 0.60 24,732 0.57 
Consumer loans:
Home equity4,083 0.87 3,907 0.91 4,110 1.02 
Auto and other consumer13,673 0.49 13,257 0.49 10,087 0.40 
Total consumer loans17,756 0.55 17,164 0.55 14,197 0.49 
Allowance for loan losses475,744 1.05 468,819 1.08 342,527 1.05 
Allowance for unfunded credit commitments22,664 22,144 14,400 
Total allowance for credit losses for loans$498,408 $490,963 $356,927 
Allowance for credit losses for
loans as a % total loans1.10 %1.13 %1.09 %
Our loan portfolio, totaling $45.2 billion at September 30, 2022, had net recoveries of loan charge-offs totaling $5.6 million for the third quarter 2022 as compared to net loan charge-offs of $2.3 million (excluding $62.4 million of immediate PCD loan charge-offs related to the Bank Leumi USA acquisition) and $293 thousand for the second quarter 2022 and third quarter 2021, respectively. Gross
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Valley National Bancorp (NASDAQ: VLY)
Third Quarter 2022 Earnings
October 27, 2022


loan charge-offs of taxi medallion loans totaled $3.8 million for the third quarter 2022 as compared to $143 thousand and $2.7 million during the third quarter 2021 and the second quarter 2022, respectively.
The allowance for credit losses for loans, comprised of our allowance for loan losses and unfunded credit commitments, as a percentage of total loans was 1.10 percent at September 30, 2022 as compared to 1.13 percent and 1.09 percent at June 30, 2022 and September 30, 2021, respectively. During the third quarter 2022, the provision for credit losses for loans totaled $1.8 million as compared to $43.7 million and $3.5 million for the second quarter 2022 and third quarter 2021, respectively. The second quarter 2022 provision was largely elevated due to $41 million of provision related to non-PCD loans and unfunded credit commitments acquired from Bank Leumi USA. Overall, an increased economic forecast reserve component of our CECL model was largely offset by lower expected quantitative loss experience at September 30, 2022.
Capital Adequacy
Valley's total risk-based capital, common equity Tier 1 capital, Tier 1 capital and Tier 1 leverage capital ratios were 11.84 percent, 9.09 percent, 9.56 percent, and 8.31 percent, respectively, at September 30, 2022.
Investor Conference Call
Valley will host a conference call with investors and the financial community at 11:00 AM Eastern Daylight Savings Time, today to discuss the third quarter 2022 earnings and related matters.
Those wishing to participate in the call may dial toll-free 800-715-9871 Conference Id: 9870349. The teleconference will also be webcast live: https://edge.media-server.com/mmc/p/ybx28825 and archived on Valley’s website through Monday, November 28, 2022. Investor presentation materials will be made available prior to the conference call at www.valley.com and archived on Valley’s website through Monday, November 28, 2022.
About Valley
As the principal subsidiary of Valley National Bancorp, Valley National Bank is a regional bank with nearly $56 billion in assets. Valley is committed to giving people and businesses the power to succeed. Valley operates many convenient branch locations and commercial banking offices across New Jersey, New York, Florida, Alabama, California, and Illinois, and is committed to providing the most convenient service, the latest innovations and an experienced and knowledgeable team dedicated to meeting customer needs. Helping communities grow and prosper is the heart of Valley’s corporate citizenship philosophy. To learn more about Valley, go to www.valley.com or call our Customer Care Center at 800-522-4100.
Forward Looking Statements
The foregoing contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are not historical facts and include expressions about management’s confidence and strategies and management’s expectations about our business, new and
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Valley National Bancorp (NASDAQ: VLY)
Third Quarter 2022 Earnings
October 27, 2022


existing programs and products, acquisitions, relationships, opportunities, taxation, technology, market conditions and economic expectations. These statements may be identified by such forward-looking terminology as “intend,” “should,” “expect,” “believe,” “view,” “opportunity,” “allow,” “continues,” “reflects,” “would,” “could,” “typically,” “usually,” “anticipate,” “may,” “estimate,” “outlook,” “project,” or similar statements or variations of such terms. Such forward-looking statements involve certain risks and uncertainties. Actual results may differ materially from such forward-looking statements. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements include, but are not limited to:
the inability to realize expected cost savings and synergies from the Bank Leumi USA acquisition in the amounts or timeframe anticipated;
greater than expected costs or difficulties relating to Bank Leumi USA integration matters;
the inability to retain customers and qualified employees of Bank Leumi USA;
greater than expected non-recurring charges related to the Bank Leumi USA acquisition;
the continued impact of COVID-19 on the U.S. and global economies, including business disruptions, reductions in employment, supply chain interruptions, inflation, Federal Reserve actions impacting the level of market interest rates and an increase in business failures, specifically among our clients;
the continued impact of COVID-19 on our employees and our ability to provide services to our customers and respond to their needs as more cases and new variants of COVID-19 may arise in our primary markets;
continued deterioration in general business and economic conditions or turbulence in domestic or global financial markets;
the impact of forbearances or deferrals we are required or agree to as a result of customer requests and/or government actions, including, but not limited to our potential inability to recover fully deferred payments from the borrower or the collateral;
the risks related to the discontinuation of the London Interbank Offered Rate and other reference rates, including increased expenses and litigation and the effectiveness of hedging strategies;
damage verdicts or settlements or restrictions related to existing or potential class action litigation or individual litigation arising from claims of violations of laws or regulations, contractual claims, breach of fiduciary responsibility, negligence, fraud, environmental laws, patent or trademark infringement, employment related claims, and other matters;
a prolonged downturn in the economy, mainly in New Jersey, New York, Florida, Alabama, California, and Illinois, as well as an unexpected decline in commercial real estate values within our market areas;
higher or lower than expected income tax expense or tax rates, including increases or decreases resulting from changes in uncertain tax position liabilities, tax laws, regulations and case law;
the inability to grow customer deposits to keep pace with loan growth;
a material change in our allowance for credit losses under CECL due to forecasted economic conditions and/or unexpected credit deterioration in our loan and investment portfolios;
the need to supplement debt or equity capital to maintain or exceed internal capital thresholds;
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Valley National Bancorp (NASDAQ: VLY)
Third Quarter 2022 Earnings
October 27, 2022


greater than expected technology related costs due to, among other factors, prolonged or failed implementations, additional project staffing and obsolescence caused by continuous and rapid market innovations;
the loss of or decrease in lower-cost funding sources within our deposit base, including our inability to achieve deposit retention targets under Valley's branch transformation strategy;
cyber-attacks, ransomware attacks, computer viruses or other malware that may breach the security of our websites or other systems to obtain unauthorized access to confidential information, destroy data, disable or degrade service, or sabotage our systems;
results of examinations by the Office of the Comptroller of the Currency (OCC), the Federal Reserve Bank (FRB), the Consumer Financial Protection Bureau (CFPB) and other regulatory authorities, including the possibility that any such regulatory authority may, among other things, require us to increase our allowance for credit losses, write-down assets, reimburse customers, change the way we do business, or limit or eliminate certain other banking activities;
our inability or determination not to pay dividends at current levels, or at all, because of inadequate earnings, regulatory restrictions or limitations, changes in our capital requirements or a decision to increase capital by retaining more earnings;
unanticipated loan delinquencies, loss of collateral, decreased service revenues, and other potential negative effects on our business caused by severe weather, the COVID-19 pandemic or other external events; and
unexpected significant declines in the loan portfolio due to the lack of economic expansion, increased competition, large prepayments, changes in regulatory lending guidance or other factors.
A detailed discussion of factors that could affect our results is included in our SEC filings, including the “Risk Factors” section of our Annual Report on Form 10-K for the year ended December 31, 2021.
We undertake no duty to update any forward-looking statement to conform the statement to actual results or changes in our expectations. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we cannot guarantee future results, levels of activity, performance or achievements. 
# # #
-Tables to Follow-
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VALLEY NATIONAL BANCORP
CONSOLIDATED FINANCIAL HIGHLIGHTS





SELECTED FINANCIAL DATA

Three Months EndedNine Months Ended
September 30,June 30,September 30,September 30,
($ in thousands, except for share data)20222022202120222021
FINANCIAL DATA:
Net interest income - FTE (1)
$455,308 $419,565 $301,744 $1,193,235 $897,115 
Net interest income$453,992 $418,160 $301,026 $1,189,821 $894,600 
Non-interest income56,194 58,533 42,431 153,997 116,790 
Total revenue510,186 476,693 343,457 1,343,818 1,011,390 
Non-interest expense261,639 299,730 174,922 758,709 507,028 
Pre-provision net revenue248,547 176,963 168,535 585,109 504,362 
Provision for credit losses2,023 43,998 3,531 49,578 20,934 
Income tax expense68,405 36,552 42,424 144,271 124,626 
Net income178,119 96,413 122,580 391,260 358,802 
Dividends on preferred stock3,172 3,172 3,172 9,516 9,516 
Net income available to common shareholders$174,947 $93,241 $119,408 $381,744 $349,286 
Weighted average number of common shares outstanding:
Basic506,342,200 506,302,464 406,824,160 478,383,342 405,986,114 
Diluted508,690,997 508,479,206 409,238,001 480,625,357 408,509,767 
Per common share data:
Basic earnings$0.35 $0.18 $0.29 $0.80 $0.86 
Diluted earnings0.34 0.18 0.29 0.79 0.86 
Cash dividends declared0.11 0.11 0.11 0.33 0.33 
Closing stock price - high12.95 13.04 13.61 15.02 14.63 
Closing stock price - low10.14 10.34 11.80 10.14 9.74 
FINANCIAL RATIOS:
Net interest margin3.59 %3.42 %3.14 %3.41 %3.15 %
Net interest margin - FTE (1)
3.60 3.43 3.15 3.41 3.16 
Annualized return on average assets1.30 0.72 1.18 1.03 1.16 
Annualized return on avg. shareholders' equity11.39 6.18 10.23 8.89 10.14 
NON-GAAP FINANCIAL DATA AND RATIOS: (3)
Basic earnings per share, as adjusted$0.35 $0.32 $0.30 $0.96 $0.88 
Diluted earnings per share, as adjusted0.35 0.32 0.30 0.95 0.88 
Annualized return on average assets, as adjusted1.32 1.25 1.20 1.23 1.19 
Annualized return on average shareholders' equity, as adjusted11.60 %10.63 %10.41 %10.62 %10.37 %
Annualized return on avg. tangible shareholders' equity17.21 9.33 14.64 13.20 14.63 
Annualized return on average tangible shareholders' equity, as adjusted17.54 16.05 14.90 15.77 14.97 
Efficiency ratio49.76 50.78 49.16 51.03 48.12 
AVERAGE BALANCE SHEET ITEMS:
Assets$54,858,306$53,211,422$41,543,930$50,588,010$41,144,375
Interest earning assets50,531,24248,891,23038,332,87446,605,41737,902,547
Loans44,341,89442,517,28732,698,38240,529,79432,641,362
Interest bearing liabilities31,228,73929,694,27125,354,16029,042,25325,588,185
Deposits44,770,36842,896,38133,599,82041,176,47232,731,459
Shareholders' equity6,256,7676,238,9854,794,8435,869,7364,718,960

9




VALLEY NATIONAL BANCORP
CONSOLIDATED FINANCIAL HIGHLIGHTS






As Of
BALANCE SHEET ITEMS:September 30,June 30,March 31,December 31,September 30,
(In thousands)20222022202220212021
Assets$55,927,501$54,438,807$43,551,457$43,446,443$41,278,007
Total loans45,185,76443,560,77735,364,40534,153,65732,606,814
Deposits45,308,84343,881,05135,647,33635,632,41233,632,605
Shareholders' equity6,273,8296,204,9135,096,3845,084,0664,822,498
LOANS:
(In thousands)
Commercial and industrial loans:
Commercial and industrial$8,615,557$8,378,454$5,587,781$5,411,601$4,761,227
Commercial and industrial PPP loans85,820136,004203,609435,950874,033
Total commercial and industrial8,701,3778,514,4585,791,3905,847,5515,635,260
Commercial real estate:
Commercial real estate24,493,44523,535,08619,763,20218,935,48617,912,070
Construction3,571,8183,374,3732,174,5421,854,5801,804,580
Total commercial real estate28,065,26326,909,45921,937,74420,790,06619,716,650
Residential mortgage5,177,1285,005,0694,691,9354,545,0644,332,422
Consumer:
Home equity467,135431,455393,538400,779402,658
Automobile1,711,0861,673,4821,552,9281,570,0361,563,698
Other consumer1,063,7751,026,854996,8701,000,161956,126
Total consumer loans3,241,9963,131,7912,943,3362,970,9762,922,482
Total loans$45,185,764$43,560,777$35,364,405$34,153,657$32,606,814
CAPITAL RATIOS:
Book value per common share$11.98 $11.84 $11.60 $11.57 $11.32 
Tangible book value per common share (3)
7.87 7.71 7.93 7.94 7.78 
Tangible common equity to tangible assets (3)
7.40 %7.46 %7.96 %7.98 %7.95 %
Tier 1 leverage capital8.31 8.33 8.70 8.88 8.63 
Common equity tier 1 capital9.09 9.06 9.67 10.06 10.06 
Tier 1 risk-based capital9.56 9.54 10.27 10.69 10.73 
Total risk-based capital11.84 11.53 12.65 13.10 13.24 
10




VALLEY NATIONAL BANCORP
CONSOLIDATED FINANCIAL HIGHLIGHTS





Three Months EndedNine Months Ended
ALLOWANCE FOR CREDIT LOSSES:
September 30,June 30,September 30,September 30,
($ in thousands)20222022202120222021
Allowance for credit losses for loans
Beginning balance $490,963$379,252$353,724$375,702$351,354
Allowance for purchased credit deteriorated (PCD) loans, net (2)
70,31970,319
Loans charged-off:
Commercial and industrial(5,033)(4,540)(1,248)(11,144)(19,283)
Commercial real estate(4,000)(4,173)(382)
Residential mortgage(1)(27)(139)
Total consumer(962)(726)(771)(2,513)(3,389)
Total loans charged-off(9,995)(5,267)(2,019)(17,857)(23,193)
Charged-off loans recovered:
Commercial and industrial13,2361,95251416,0122,781
Commercial real estate1,729224292,060759
Construction4
Residential mortgage16374228694576
Total consumer4776979552,4313,359
Total loans recovered15,6052,9471,72621,1977,479
Net recoveries (charge-offs)5,610(2,320)(293)3,340(15,714)
Provision for credit losses for loans1,83543,7123,49649,04721,287
Ending balance$498,408$490,963$356,927$498,408$356,927
Components of allowance for credit losses for loans:
Allowance for loan losses$475,744$468,819$342,527$475,744$342,527
Allowance for unfunded credit commitments22,66422,14414,40022,66414,400
Allowance for credit losses for loans$498,408$490,963$356,927$498,408$356,927
Components of provision for credit losses for loans:
Provision for credit losses for loans$1,315$38,310$3,496$42,883$17,998
Provision for unfunded credit commitments5205,4026,1643,289
Total provision for credit losses for loans$1,835$43,712$3,496$49,047$21,287
Annualized ratio of total net (recoveries) charge-offs to average loans(0.05)%0.02 %0.00 %(0.01)%0.06 %
Allowance for credit losses for loans as a % of total loans
1.10 1.13 1.09 1.10 1.09 
11




VALLEY NATIONAL BANCORP
CONSOLIDATED FINANCIAL HIGHLIGHTS





As of
ASSET QUALITY:September 30,June 30,March 31,December 31,September 30,
($ in thousands)20222022202220212021
Accruing past due loans:
30 to 59 days past due:
Commercial and industrial$19,526 $7,143 $6,723 $6,717 $2,677 
Commercial real estate6,196 10,516 30,807 14,421 22,956 
Construction— 9,108 1,708 1,941 — 
Residential mortgage13,045 12,326 9,266 10,999 9,293 
Total consumer6,196 6,009 5,862 6,811 5,463 
Total 30 to 59 days past due44,963 45,102 54,366 40,889 40,389 
60 to 89 days past due:
Commercial and industrial2,188 3,870 14,461 7,870 985 
Commercial real estate383 630 6,314 — 5,897 
Construction12,969 3,862 3,125 — — 
Residential mortgage5,947 2,410 2,560 3,314 974 
Total consumer1,174 702 554 1,020 1,617 
Total 60 to 89 days past due22,661 11,474 27,014 12,204 9,473 
90 or more days past due:
Commercial and industrial15,072 15,470 9,261 1,273 2,083 
Commercial real estate15,082 — — 32 1,942 
Residential mortgage550 1,188 1,746 677 1,002 
Total consumer421 267 400 789 325 
Total 90 or more days past due31,125 16,925 11,407 2,771 5,352 
Total accruing past due loans$98,749 $73,501 $92,787 $55,864 $55,214 
Non-accrual loans:
Commercial and industrial$135,187 $148,404 $96,631 $99,918 $100,614 
Commercial real estate67,319 85,807 79,180 83,592 95,843 
Construction61,098 49,780 17,618 17,641 17,653 
Residential mortgage26,564 25,847 33,275 35,207 33,648 
Total consumer3,227 3,279 3,754 3,858 4,073 
Total non-accrual loans293,395 313,117 230,458 240,216 251,831 
Other real estate owned (OREO) 286 422 1,024 2,259 3,967 
Other repossessed assets1,122 1,200 1,176 2,931 1,896 
Total non-performing assets$294,803 $314,739 $232,658 $245,406 $257,694 
Performing troubled debt restructured loans$69,748 $67,274 $56,538 $71,330 $64,832 
Total non-accrual loans as a % of loans0.65 %0.72 %0.65 %0.70 %0.77 %
Total accruing past due and non-accrual loans as a % of loans
0.87 %0.89 %0.91 %0.87 %0.94 %
Allowance for losses on loans as a % of non-accrual loans
162.15 %149.73 %157.30 %149.53 %136.01 %


12




VALLEY NATIONAL BANCORP
CONSOLIDATED FINANCIAL HIGHLIGHTS





NOTES TO SELECTED FINANCIAL DATA
(1)
Net interest income and net interest margin are presented on a tax equivalent basis using a 21 percent federal tax rate. Valley believes that this presentation provides comparability of net interest income and net interest margin arising from both taxable and tax-exempt sources and is consistent with industry practice and SEC rules.
(2)Represents the allowance for acquired PCD loans, net of PCD loan charge-offs totaling $62.4 million in the second quarter 2022.
(3)
Non-GAAP Reconciliations. This press release contains certain supplemental financial information, described in the Notes below, which has been determined by methods other than U.S. Generally Accepted Accounting Principles ("GAAP") that management uses in its analysis of Valley's performance. The Company believes that the non-GAAP financial measures provide useful supplemental information to both management and investors in understanding Valley’s underlying operational performance, business and performance trends, and may facilitate comparisons of our current and prior performance with the performance of others in the financial services industry. Management utilizes these measures for internal planning, forecasting and analysis purposes. Management believes that Valley’s presentation and discussion of this supplemental information, together with the accompanying reconciliations to the GAAP financial measures, also allows investors to view performance in a manner similar to management. These non-GAAP financial measures should not be considered in isolation or as a substitute for or superior to financial measures calculated in accordance with U.S. GAAP. These non-GAAP financial measures may also be calculated differently from similar measures disclosed by other companies.
Non-GAAP Reconciliations to GAAP Financial Measures
Three Months EndedNine Months Ended
September 30,June 30,September 30,September 30,
($ in thousands, except for share data)20222022202120222021
Adjusted net income available to common shareholders (non-GAAP):
Net income, as reported (GAAP)$178,119 $96,413 $122,580 $391,260 $358,802 
Add: Loss on extinguishment of debt (net of tax)— — — — 6,024 
Less: Gains on available for sale and held to maturity securities transactions (net of tax)(a)
(24)(56)(565)(74)(399)
Add: Provision for credit losses (net of tax)(b)
— 29,282 — 29,282 — 
Add: Merger related expenses (net of tax)(c)
3,360 40,164 1,207 47,103 1,207 
Add: Litigation reserve (net of tax)(d)
— — 1,505 — 1,505 
Net income, as adjusted (non-GAAP)$181,455 $165,803 $124,727 $467,571 $367,139 
Dividends on preferred stock3,172 3,172 3,172 9,516 9,516 
Net income available to common shareholders, as adjusted (non-GAAP)$178,283 $162,631 $121,555 $458,055 $357,623 
__________
(a) Included in gains (losses) on securities transactions, net.
(b) Primarily represents provision for credit losses for non-PCD loans and unfunded credit commitments acquired from Bank Leumi USA.
(c) Merger related expenses are primarily within salary and employee benefits expense, technology, furniture and equipment expense and professional and legal fees for the nine months ended September 30, 2022..
(d) Included in professional and legal fees.
Adjusted per common share data (non-GAAP):
Net income available to common shareholders, as adjusted (non-GAAP)$178,283 $162,631 $121,555 $458,055 $357,623 
Average number of shares outstanding506,342,200 506,302,464 406,824,160 478,383,342 405,986,114 
Basic earnings, as adjusted (non-GAAP)$0.35 $0.32 $0.30 $0.96 $0.88 
Average number of diluted shares outstanding508,690,997 508,479,206 409,238,001 480,625,357 408,509,767 
Diluted earnings, as adjusted (non-GAAP)$0.35 $0.32 $0.30 $0.95 $0.88 
Adjusted annualized return on average tangible shareholders' equity (non-GAAP):
Net income, as adjusted (non-GAAP)$181,455 $165,803 $124,727 $467,571 $367,139 
Average shareholders' equity$6,256,767 $6,238,985 $4,794,843 5,869,736 4,718,960 
Less: Average goodwill and other intangible assets2,117,818 2,105,585 1,446,760 1,917,217 1,449,285 
Average tangible shareholders' equity$4,138,949 $4,133,400 $3,348,083 $3,952,519 $3,269,675 
Annualized return on average tangible shareholders' equity, as adjusted (non-GAAP)17.54 %16.05 %14.90 %15.77 %14.97 %
Adjusted annualized return on average assets (non-GAAP):
Net income, as adjusted (non-GAAP)$181,455 $165,803 $124,727 $467,571 $367,139 
Average assets$54,858,306 $53,211,422 $41,543,930 $50,588,010 $41,144,375 
Annualized return on average assets, as adjusted (non-GAAP)1.32 %1.25 %1.20 %1.23 %1.19 %

13




VALLEY NATIONAL BANCORP
CONSOLIDATED FINANCIAL HIGHLIGHTS





Non-GAAP Reconciliations to GAAP Financial Measures (Continued)

Three Months EndedNine Months Ended
September 30,June 30,September 30,September 30,
($ in thousands)20222022202120222021
Adjusted annualized return on average shareholders' equity (non-GAAP):
Net income, as adjusted (non-GAAP)$181,455 $165,803 $124,727 $467,571 $367,139 
Average shareholders' equity$6,256,767 $6,238,985 $4,794,843 $5,869,736 $4,718,960 
Annualized return on average shareholders' equity, as adjusted (non-GAAP)11.60 %10.63 %10.41 %10.62 %10.37 %
Annualized return on average tangible shareholders' equity (non-GAAP):
Net income, as reported (GAAP)$178,119 $96,413 $122,580 $391,260 $358,802 
Average shareholders' equity$6,256,767 $6,238,985 $4,794,843 5,869,736 4,718,960 
Less: Average goodwill and other intangible assets2,117,818 2,105,585 1,446,760 1,917,217 1,449,285 
Average tangible shareholders' equity$4,138,949 $4,133,400 $3,348,083 $3,952,519 $3,269,675 
Annualized return on average tangible shareholders' equity (non-GAAP)17.21 %9.33 %14.64 %13.20 %14.63 %
Efficiency ratio (non-GAAP):
Non-interest expense, as reported (GAAP)$261,639 $299,730 $174,922 $758,709 $507,028 
Less: Loss on extinguishment of debt (pre-tax)— — — — 8,406 
Less: Merger-related expenses (pre-tax)4,707 54,496 1,287 63,831 1,287 
Less: Amortization of tax credit investments (pre-tax)3,105 3,193 3,079 9,194 8,795 
Less: Litigation reserve (pre-tax)— — 2,100 — 2,100 
Non-interest expense, as adjusted (non-GAAP)$253,827 $242,041 $168,456 $685,684 $486,440 
Net interest income, as reported (GAAP)453,992 418,160 301,026 1,189,821 894,600 
Non-interest income, as reported (GAAP)56,194 58,533 42,431 153,997 116,790 
Less: Gains on available for sale and held to maturity securities transactions, net (pre-tax)(33)(78)(788)(102)(557)
Non-interest income, as adjusted (non-GAAP)$56,161 $58,455 $41,643 $153,895 $116,233 
Gross operating income, as adjusted (non-GAAP)$510,153 $476,615 $342,669 $1,343,716 $1,010,833 
Efficiency ratio (non-GAAP)49.76 %50.78 %49.16 %51.03 %48.12 %
As of
September 30,June 30,March 31,December 31,September 30,
($ in thousands, except for share data)20222022202220212021
Tangible book value per common share (non-GAAP):
Common shares outstanding506,351,502 506,328,526 421,437,068 421,437,068 407,313,664 
Shareholders' equity (GAAP)$6,273,829 $6,204,913 $5,096,384 $5,084,066 $4,822,498 
Less: Preferred stock209,691 209,691 209,691 209,691 209,691 
Less: Goodwill and other intangible assets2,079,731 2,090,147 1,543,238 1,529,394 1,444,967 
Tangible common shareholders' equity (non-GAAP)$3,984,407 $3,905,075 $3,343,455 $3,344,981 $3,167,840 
Tangible book value per common share (non-GAAP)$7.87 $7.71 $7.93 $7.94 $7.78 
Tangible common equity to tangible assets (non-GAAP):
Tangible common shareholders' equity (non-GAAP)$3,984,407 $3,905,075 $3,343,455 $3,344,981 $3,167,840 
Total assets (GAAP)$55,927,501 $54,438,807 $43,551,457 $43,446,443 $41,278,007 
Less: Goodwill and other intangible assets2,079,731 2,090,147 1,543,238 1,529,394 1,444,967 
Tangible assets (non-GAAP)$53,847,770 $52,348,660 $42,008,219 $41,917,049 $39,833,040 
Tangible common equity to tangible assets (non-GAAP)7.40 %7.46 %7.96 %7.98 %7.95 %
SHAREHOLDERS RELATIONS
Requests for copies of reports and/or other inquiries should be directed to Tina Zarkadas, Assistant Vice President, Shareholder Relations Specialist, Valley National Bancorp, 1455 Valley Road, Wayne, New Jersey, 07470, by telephone at (973) 305-3380, by fax at (973) 305-1364 or by e-mail at tzarkadas@valley.com.
14




VALLEY NATIONAL BANCORP
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
(in thousands, except for share data)


September 30,December 31,
20222021
 (Unaudited)
Assets
Cash and due from banks$431,471 $205,156 
Interest bearing deposits with banks686,877 1,844,764 
Investment securities:
Equity securities43,318 36,473 
Trading debt securities4,100 38,130 
Available for sale debt securities1,271,854 1,128,809 
Held to maturity debt securities (net of allowance for credit losses of $1,696 at September 30, 2022 and $1,165 at December 31, 2021)3,720,324 2,667,532 
Total investment securities5,039,596 3,870,944 
Loans held for sale, at fair value6,073 139,516 
Loans45,185,764 34,153,657 
Less: Allowance for loan losses(475,744)(359,202)
Net loans44,710,020 33,794,455 
Premises and equipment, net362,203 326,306 
Lease right of use assets314,511 259,117 
Bank owned life insurance714,649 566,770 
Accrued interest receivable159,406 96,882 
Goodwill1,871,505 1,459,008 
Other intangible assets, net208,226 70,386 
Other assets1,422,964 813,139 
Total Assets$55,927,501 $43,446,443 
Liabilities
Deposits:
Non-interest bearing$15,420,625 $11,675,748 
Interest bearing:
Savings, NOW and money market23,559,662 20,269,620 
Time6,328,556 3,687,044 
Total deposits45,308,843 35,632,412 
Short-term borrowings919,283 655,726 
Long-term borrowings1,541,097 1,423,676 
Junior subordinated debentures issued to capital trusts56,673 56,413 
Lease liabilities367,428 283,106 
Accrued expenses and other liabilities1,460,348 311,044 
Total Liabilities49,653,672 38,362,377 
Shareholders’ Equity
Preferred stock, no par value; 50,000,000 authorized shares:
Series A (4,600,000 shares issued at September 30, 2022 and December 31, 2021)111,590 111,590 
Series B (4,000,000 shares issued at September 30, 2022 and December 31, 2021)98,101 98,101 
Common stock (no par value, authorized 650,000,000 shares; issued 507,896,910 and 423,034,027 at September 30, 2022 and December 31, 2021)178,185 148,482 
Surplus4,972,732 3,883,035 
Retained earnings1,100,838 883,645 
Accumulated other comprehensive loss(165,557)(17,932)
Treasury stock, at cost (1,545,408 shares at September 30, 2022 and 1,596,959 common shares at December 31, 2021)(22,060)(22,855)
Total Shareholders’ Equity6,273,829 5,084,066 
Total Liabilities and Shareholders’ Equity$55,927,501 $43,446,443 
15




VALLEY NATIONAL BANCORP
CONSOLIDATED STATEMENTS OF INCOME (Unaudited)
(in thousands, except for share data)



Three Months EndedNine Months Ended
September 30,June 30,September 30,September 30,
20222022202120222021
Interest Income
Interest and fees on loans$496,520 $415,577 $309,753 $1,229,462 $938,248 
Interest and dividends on investment securities:
Taxable28,264 27,534 14,292 74,416 40,174 
Tax-exempt5,210 5,191 2,609 12,739 9,181 
Dividends2,738 3,076 1,505 7,490 5,543 
Interest on federal funds sold and other short-term investments3,996 1,569 642 6,026 1,101 
Total interest income536,728 452,947 328,801 1,330,133 994,247 
Interest Expense
Interest on deposits:
Savings, NOW and money market50,674 17,122 10,605 77,423 32,896 
Time15,174 3,269 4,394 21,274 21,766 
Interest on short-term borrowings5,160 4,083 1,464 10,049 4,390 
Interest on long-term borrowings and junior subordinated debentures11,728 10,313 11,312 31,566 40,595 
Total interest expense82,736 34,787 27,775 140,312 99,647 
Net Interest Income453,992 418,160 301,026 1,189,821 894,600 
Provision (credit) for credit losses for held to maturity securities188 286 35 531 (353)
Provision for credit losses for loans1,835 43,712 3,496 49,047 21,287 
Net Interest Income After Provision for Credit Losses451,969 374,162 297,495 1,140,243 873,666 
Non-Interest Income
Wealth management and trust fees9,281 9,577 3,550 23,989 10,411 
Insurance commissions3,750 3,463 1,610 9,072 5,805 
Service charges on deposit accounts10,338 10,067 5,428 26,617 15,614 
Gains (losses) on securities transactions, net323 (309)787 (1,058)1,263 
Fees from loan servicing3,138 2,717 2,894 8,636 8,980 
Gains on sales of loans, net922 3,602 6,442 5,510 20,016 
Bank owned life insurance1,681 2,113 2,018 5,840 6,824 
Other26,761 27,303 19,702 75,391 47,877 
Total non-interest income56,194 58,533 42,431 153,997 116,790 
Non-Interest Expense
Salary and employee benefits expense134,572 154,798 93,992 397,103 273,190 
Net occupancy expense26,486 22,429 19,941 70,906 59,171 
Technology, furniture and equipment expense39,365 49,866 21,007 115,245 64,956 
FDIC insurance assessment6,500 5,351 3,644 16,009 10,294 
Amortization of other intangible assets11,088 11,400 5,298 26,925 16,753 
Professional and legal fees17,840 30,409 13,492 62,998 27,250 
Loss on extinguishment of debt— — — — 8,406 
Amortization of tax credit investments3,105 3,193 3,079 9,194 8,795 
Other22,683 22,284 14,469 60,329 38,213 
Total non-interest expense261,639 299,730 174,922 758,709 507,028 
Income Before Income Taxes246,524 132,965 165,004 535,531 483,428 
Income tax expense68,405 36,552 42,424 144,271 124,626 
Net Income178,119 96,413 122,580 391,260 358,802 
Dividends on preferred stock3,172 3,172 3,172 9,516 9,516 
Net Income Available to Common Shareholders$174,947 $93,241 $119,408 $381,744 $349,286 


16




VALLEY NATIONAL BANCORP
CONSOLIDATED STATEMENTS OF INCOME (Unaudited)
(in thousands, except for share data)



Three Months EndedNine Months Ended
September 30,June 30,September 30,September 30,
20222022202120222021
Earnings Per Common Share:
Basic$0.35 $0.18 $0.29 $0.80 $0.86 
Diluted0.34 0.18 0.29 0.79 0.86 
Cash Dividends Declared per Common Share0.11 0.11 0.11 0.33 0.33 
Weighted Average Number of Common Shares Outstanding:
Basic506,342,200 506,302,464 406,824,160 478,383,342 405,986,114 
Diluted508,690,997 508,479,206 409,238,001 480,625,357 408,509,767 

17




VALLEY NATIONAL BANCORP
Quarterly Analysis of Average Assets, Liabilities and Shareholders' Equity and
Net Interest Income on a Tax Equivalent Basis

Three Months Ended
September 30, 2022June 30, 2022September 30, 2021
 AverageAvg. AverageAvg. AverageAvg.
($ in thousands) BalanceInterestRate BalanceInterestRate BalanceInterestRate
Assets
Interest earning assets:
Loans (1)(2)
$44,341,894 $496,545 4.48 %$42,517,287 $415,602 3.91 %$32,698,382 $309,778 3.79 %
Taxable investments (3)
4,815,181 31,002 2.58 4,912,994 30,610 2.49 3,302,803 15,797 1.91 
Tax-exempt investments (1)(3)
635,795 6,501 4.09 684,471 6,571 3.84 429,941 3,302 3.07 
Interest bearing deposits with banks738,372 3,996 2.16 776,478 1,569 0.81 1,901,748 642 0.14 
Total interest earning assets50,531,242 538,044 4.26 48,891,230 454,352 3.72 38,332,874 329,519 3.44 
Other assets4,327,064 4,320,192 3,211,056 
Total assets$54,858,306 $53,211,422 $41,543,930 
Liabilities and shareholders' equity
Interest bearing liabilities:
Savings, NOW and money market deposits
$23,541,694 $50,674 0.86 %$23,027,347 $17,122 0.30 %$18,771,619 $10,605 0.23 %
Time deposits5,192,896 15,174 1.17 3,601,088 3,269 0.36 4,126,253 4,394 0.43 
Short-term borrowings1,016,240 5,160 2.03 1,603,198 4,083 1.02 860,474 1,464 0.68 
Long-term borrowings (4)
1,477,909 11,728 3.17 1,462,638 10,313 2.82 1,595,814 11,312 2.84 
Total interest bearing liabilities31,228,739 82,736 1.06 29,694,271 34,787 0.47 25,354,160 27,775 0.44 
Non-interest bearing deposits16,035,778 16,267,946 10,701,948 
Other liabilities1,337,022 1,010,220 692,979 
Shareholders' equity6,256,767 6,238,985 4,794,843 
Total liabilities and shareholders' equity$54,858,306 $53,211,422 $41,543,930 
Net interest income/interest rate spread (5)
$455,308 3.20 %$419,565 3.25 %$301,744 3.00 %
Tax equivalent adjustment(1,316)(1,405)(718)
Net interest income, as reported$453,992 $418,160 $301,026 
Net interest margin (6)
3.59 3.42 3.14 
Tax equivalent effect0.01 0.01 0.01 
Net interest margin on a fully tax equivalent basis (6)
3.60 %3.43 %3.15 %
(1)     Interest income is presented on a tax equivalent basis using a 21 percent federal tax rate.
(2)    Loans are stated net of unearned income and include non-accrual loans.
(3)    The yield for securities that are classified as available for sale is based on the average historical amortized cost.
(4)    Includes junior subordinated debentures issued to capital trusts which are presented separately on the consolidated statements of condition.
(5)    Interest rate spread represents the difference between the average yield on interest earning assets and the average cost of interest bearing liabilities and is presented on a fully tax equivalent basis.
(6)    Net interest income as a percentage of total average interest earning assets.
18

EX-99.2 3 earningspresentationq320.htm EX-99.2 earningspresentationq320
3 Q 2 2 E a r n i n g s P r e s e n t a t i o n O c t o b e r 2 7 , 2 0 2 2 Exhibit 99.2


 
Forward Looking Statements The foregoing contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are not historical facts and include expressions about management’s confidence and strategies and management’s expectations about our business, new and existing programs and products, acquisitions, relationships, opportunities, taxation, technology, market conditions and economic expectations. These statements may be identified by such forward-looking terminology as “intend,” “should,” “expect,” “believe,” “view,” “opportunity,” “allow,” “continues,” “reflects,” “would,” “could,” “typically,” “usually,” “anticipate,” “may,” “estimate,” “outlook,” “project,” or similar statements or variations of such terms. Such forward-looking statements involve certain risks and uncertainties. Actual results may differ materially from such forward-looking statements. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements include, but are not limited to: the inability to realize expected cost savings and synergies from the Bank Leumi Le Israel Corporation (“Bank Leumi USA”) acquisition in the amounts or in timeframe anticipated; greater than expected costs or difficulties relating to Bank Leumi USA integration matters; the inability to retain customers and qualified employees of Bank Leumi USA; greater than expected non-recurring charges related to the Bank Leumi USA acquisition; the continued impact of COVID-19 on the U.S. and global economies, including business disruptions, reductions in employment, supply chain interruptions, inflation, Federal Reserve actions impacting the level of market interest rates and an increase in business failures, specifically among our clients; the continued impact of COVID-19 on our employees and our ability to provide services to our customers and respond to their needs as more cases and new variants of COVID-19 may arise in our primary markets; continued deterioration in general business and economic conditions or turbulence in domestic or global financial markets; the impact of forbearances or deferrals we are required or agree to as a result of customer requests and/or government actions, including, but not limited to our potential inability to recover fully deferred payments from the borrower or the collateral; the risks related to the discontinuation of the London Interbank Offered Rate and other reference rates, including increased expenses and litigation and the effectiveness of hedging strategies; damage verdicts or settlements or restrictions related to existing or potential class action litigation or individual litigation arising from claims of violations of laws or regulations, contractual claims, breach of fiduciary responsibility, negligence, fraud, environmental laws, patent or trademark infringement, employment related claims, and other matters; a prolonged downturn in the economy, mainly in New Jersey, New York, Florida, Alabama, California, and Illinois, as well as an unexpected decline in commercial real estate values within our market areas; higher or lower than expected income tax expense or tax rates, including increases or decreases resulting from changes in uncertain tax position liabilities, tax laws, regulations and case law; the inability to grow customer deposits to keep pace with loan growth; a material change in our allowance for credit losses under CECL due to forecasted economic conditions and/or unexpected credit deterioration in our loan and investment portfolios; the need to supplement debt or equity capital to maintain or exceed internal capital thresholds; greater than expected technology related costs due to, among other factors, prolonged or failed implementations, additional project staffing and obsolescence caused by continuous and rapid market innovations; the loss of or decrease in lower-cost funding sources within our deposit base, including our inability to achieve deposit retention targets under Valley's branch transformation strategy; cyber-attacks, ransomware attacks, computer viruses or other malware that may breach the security of our websites or other systems to obtain unauthorized access to confidential information, destroy data, disable or degrade service, or sabotage our systems; results of examinations by the Office of the Comptroller of the Currency (OCC), the Federal Reserve Bank (FRB), the Consumer Financial Protection Bureau (CFPB) and other regulatory authorities, including the possibility that any such regulatory authority may, among other things, require us to increase our allowance for credit losses, write- down assets, reimburse customers, change the way we do business, or limit or eliminate certain other banking activities; our inability or determination not to pay dividends at current levels, or at all, because of inadequate earnings, regulatory restrictions or limitations, changes in our capital requirements or a decision to increase capital by retaining more earnings; unanticipated loan delinquencies, loss of collateral, decreased service revenues, and other potential negative effects on our business caused by severe weather, the COVID-19 pandemic or other external events; and unexpected significant declines in the loan portfolio due to the lack of economic expansion, increased competition, large prepayments, changes in regulatory lending guidance or other factors. A detailed discussion of factors that could affect our results is included in our SEC filings, including the “Risk Factors” section of our Annual Report on Form 10-K for the year ended December 31, 2021. We undertake no duty to update any forward-looking statement to conform the statement to actual results or changes in our expectations. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we cannot guarantee future results, levels of activity, performance or achievements.


 
3 3Q22 2Q22 3Q21 3Q22 2Q21 3Q21 Net Income ($mm) $178.1 $96.4 $122.6 $181.5 $165.8 $124.7 Return on Average Assets Annualized 1.30% 0.72% 1.18% 1.32% 1.25% 1.20% Return on Average Assets, ex. PPP 1 Annualized 1.29% 0.71% 1.09% 1.32% 1.23% 1.11% Efficiency Ratio (Non-GAAP) -- -- -- 49.8% 50.8% 49.2% Diluted Earnings Per Share $0.34 $0.18 $0.29 $0.35 $0.32 $0.30 Pre-Provision Net Revenue 2 ($mm) $248.5 $177.0 $168.5 $256.3 $234.6 $174.2 PPNR / Average Assets 2 Annualized 1.81% 1.33% 1.62% 1.87% 1.76% 1.68% GAAP Reported Non-GAAP Adjusted 1 1 Please refer to the Non-GAAP Disclosure Reconciliation in Appendix. 2 Pre-provision net revenue equals net interest income plus total non-interest income less total non-interest expense; PPNR / Avg. Assets is presented on an annualized basis; Please refer to the Non-GAAP Disclosure Reconciliation in Appendix. 3Q 2022 Financial Highlights Earnings growth and profitability improvement reflect net interest income expansion and stable credit costs. Despite easing loan origination activity, loan growth remains strong as payoffs have slowed. Acutely balancing deposit growth with competitive pricing pressures.


 
4 Loan Growth (Annualized) Net Interest Income Non-GAAP Efficiency Ratio 1 Tax Rate Preserving 2H22 Guidance 8% - 10% ~$900mm Below 50% 27% - 28% 3Q22 Result 2H22 Guide / Updated Bias 15% $454mm 49.8% 27.7% 1 Please refer to the Non-GAAP Disclosure Reconciliation in Appendix. Sums may be inconsistent due to rounding.


 
5 Multifamily 17% Non Owner-Occupied CRE 24% Healthcare CRE 4% Owner-Occupied CRE 9% C&I 19% Consumer 7% Residential R.E. 12% Construction 8% CRE 45% C&I 28% Other 27% New Loan Originations ($bn) 1 Loan classifications according to call report schedule which may not correspond to classifications outlined in earnings release. 2 CRE includes multifamily, non-owner occupied CRE and healthcare CRE; C&I includes owner-occupied CRE and C&I; Other includes construction, residential RE and Consumer 3 Cumulative Beta is measured as the change in Valley’s quarterly average origination rate / loan yield since the quarter preceding the rate hike cycle (4Q21) as a percentage of the change in the average quarterly Fed Funds Upper Bound over the same period. Growth Remains Strong While Originations Ease Gross Loans ($bn) $43.6 $45.2 6/30/2022 9/30/2022 9/30/2022 Loan Composition 1, 2 3Q22 Annualized: +14.9% $1.9 $2.5 $2.6 $3.6 $2.7 3.37% 3.23% 3.32% 4.08% 5.21% 3.79% 3.83% 3.67% 3.91% 4.48% 3Q21 4Q21 1Q22 2Q22 3Q22 Origination Volume (Gross) New Origination Rate Avg. Portfolio Rate Cumulative Loan Beta (Current Cycle) 3 Avg. Fed Funds (Upper) Avg. Loan Yield Avg. Loan Yield Beta 4Q21 0.25% 3.83% -- 1Q22 0.30% 3.67% -- 2Q22 0.96% 3.91% 11% 3Q22 2.39% 4.48% 30%


 
6 Deposit Growth Supporting Loans Deposit Balance Trends ($bn) 18.9 23.6 23.6 10.8 16.1 15.44.0 4.2 6.3 33.6 43.9 45.3 09/30/2021 06/30/2022 09/30/2022 Savings & Interest Checking Non-Interest Time 12% 32% 56% 14% 34% 52% Avg. Fed Funds vs. Deposit Costs (%) 0.18% 0.15% 0.14% 0.19% 0.59% 0.25% 0.25% 0.30% 0.96% 2.39% 3Q21 4Q21 1Q22 2Q22 3Q22 Total Deposits Average Fed Funds (Upper) 3Q22 Annualized: +13.0% Cumulative Beta (Current Cycle) 1 Avg. Fed Funds (Upper) Total Cost of Deposits Cumulative Beta 4Q21 0.25% 0.15% -- 1Q22 0.30% 0.14% -- 2Q22 0.96% 0.19% 5% 3Q22 2.39% 0.59% 20% 1 Cumulative Beta is measured as the change in Valley’s quarterly average deposit costs since the quarter preceding the rate hike cycle (4Q21) as a percentage of the change in the average quarterly Fed Funds Upper Bound over the same period.


 
7 Net Interest Income Analysis 3Q21 4Q21 1Q22 2Q22 3Q22 Net Interest Income (FTE) 301.7 316.0 318.4 419.6 455.3 PPP Impact 1 (16.3) (17.2) (7.1) (4.1) (1.5) NII ex PPP 285.5 298.8 311.3 415.5 453.7 Earning Asset Analysis 3Q21 4Q21 1Q22 2Q22 3Q22 Avg. Earning Assets 38,333 39,193 40,283 48,891 50,531 PPP Impact 1 (1,134) (642) (298) (228) (106) Earning Assets ex PPP 37,198 38,551 39,985 48,663 50,425 NIM Analysis 3Q21 4Q21 1Q22 2Q22 3Q22 NII ex PPP (FTE) 285.5 298.8 311.3 415.5 453.7 Earning Assets 37,198 38,551 39,985 48,663 50,425 NIM ex PPP (FTE) 3.07% 3.10% 3.11% 3.42% 3.60% Reported Net Interest Income ($mm) and Margin Net Interest Margin and PPP Impact Net Interest Income ($mm) and Margin Ex-PPP 1 $302 $316 $318 $420 $455 3.15% 3.23% 3.16% 3.43% 3.60% 3Q21 4Q21 1Q22 2Q22 3Q22 Net Interest Income ($mm) NIM $286 $299 $311 $416 $454 3.07% 3.10% 3.11% 3.42% 3.60% 3Q21 4Q21 1Q22 2Q22 3Q22 NII ($mm) NIM All metrics are represented on a full tax equivalent basis 1 3Q22 and 2Q22 PPP impact includes average balance, interest income, and purchased loan accretion for PPP loans acquired from Bank Leumi. NII +34% linked-quarter annualized


 
8 $27.2 $30.8 $31.5 $8.8 $11.1 $10.7 $13.0 $13.0 $6.4 $3.6 $0.9 $42.4 $58.5 $56.2 3Q21 2Q22 3Q22 Other Non-Interest Income Swap Income Trust, Investment & Insurance Gain on Sale Other $18.0 32% Trust, Investment & Insurance $13.0 23% Loan Servicing Fees $3.1 6% Service Charges $10.3 18% Gain-on-Sale of Loans, net $0.9 2% Swap Fees $10.7 19% 3Q22 Non-Interest Income Composition ($mm) Fee Income $56.2mm Non-Interest Income ($mm) Linked-quarter reduction in non-interest income resulting from compression in gain on sale revenue. Other drivers remain stable or growing.


 
9 1 Please refer to the Non-GAAP Disclosure Reconciliation in Appendix. Sums may be inconsistent due to rounding. Non-Interest Expense 242.0 253.8 57.7 7.8 299.7 261.6 2Q22 3Q22 Adjusted Reported Non-Interest Expenses ($mm) Efficiency Ratio Trend 1 49.2% 50.8% 49.8% 51.6% 51.2% 49.9% 3Q21 2Q22 3Q22 3Q21 ex-PPP 2Q22 ex-PPP 3Q22 ex-PPP Operating Leverage 1 31% 20%19% 15% Q/Q Growth Annualized (3Q22 / 2Q22) 4-Year CAGR (3Q22 / 3Q18) Adj. Revenue ex-PPP Adj. Expenses 1


 
10 0.77% 0.70% 0.65% 0.72% 0.65% 9/30/2021 12/31/2021 3/31/2022 6/30/2022 9/30/2022 Asset Quality Non-Accrual Loans / Total Loans Loan Loss Provision ($mm) Allowance for Credit Losses for Loans / Total Loans 0.99% 1.03% 1.09% 1.10% 1.07% 1.13% 1.10% 9/30/2021 12/31/2021 3/31/2022 6/30/2022 9/30/2022 Net Charge-offs ($mm) 1 Excludes $62.4mm of charge-offs related to PCD loans acquired from Leumi and recognized upon completion of the merger in accordance with GAAP. Sums may be inconsistent due to rounding. $0 $(1) $(0) $2 $(6) 0.00% (0.01%) 0.00% 0.02% (0.05%) 3Q21 4Q21 1Q22 2Q22 3Q22 Net Charge-offs NCOs / Avg. Loans $3.5 $5.4 $3.5 $2.7 $1.8 $6.2 $41.0 3Q21 4Q21 1Q22 2Q22 3Q22 Provision Non-PCD 1


 
11 Equity & Capitalization $7.78 $7.94 $7.93 $7.71 $7.87 $11.32 $11.57 $11.60 $11.84 $11.98 9/30/2021 12/31/2021 3/31/2022 6/30/2022 9/30/2022 TBV per share Book Value per share Book Value and Tangible Book Value per Share 1 Equity Capitalization Level 1 1 Please refer to the Non-GAAP Disclosure Reconciliation in Appendix. 7.95% 7.98% 7.96% 7.46% 7.40% 11.68% 11.70% 11.70% 11.40% 11.22% 9/30/2021 12/31/2021 3/31/2022 6/30/2022 9/30/2022 Tangible Common Equity / Tangible Assets Equity / Assets Holding Company Capital Ratios 9/30/21 6/30/22 9/30/22 Tier 1 Leverage 8.63 8.33 8.31 Common Equity Tier 1 10.06 9.06 9.09 Tier 1 Risk-Based 10.73 9.54 9.56 Total Risk-Based 13.24 11.53 11.84 3Q22 TBV +8% Annualized


 
A p p e n d i x


 
13 CRE Detail as of 9/30/2022 Portfolio by Collateral Type Apartment & Residential 30% Retail 19% Mixed Use 10% Office 10% Industrial 11% Healthcare 11% Specialty & Other 9% Portfolio by Geography Florida 25.0% New Jersey 20.3% Other 19.7% Other NYC Boroughs 13.9% Manhattan (Multifamily) 6.6% Manhattan (Other) 4.5% New York (ex. NYC) 10.0% Geography Outstanding ($BN) % of Total Wtd. Avg. LTV Wtd. Avg. DSCR Florida $6.1 25.0% 62% 1.95x New Jersey $5.0 20.3% 61% 1.84x Other NYC Boroughs $3.4 13.9% 54% 1.42x Manhattan $2.7 11.1% 38% (52% ex Co-Ops) 1.71x New York (ex. NYC) $2.5 10.0% 54% 1.80x Other $4.8 19.7% 54% 1.82x Total $24.5 100.0% 56% 1.79x $24.5bn $24.5bn Sums may be inconsistent due to rounding.


 
14 September 30, June 30, September 30, ($ in thousands, except for share data) 2022 2022 2021 Adjusted net income available to common shareholders (Non-GAAP): Net income, as reported (GAAP) $178,119 $96,413 $122,580 Add: Losses on available for sale and held to maturity securities transactions (net of tax) (a) (24) (56) (565) Add: Litigation reserves (net of tax) (b) — — 1,505 Add: Provision for credit losses for non-PCD loans and HTM securities (net of tax) (c) — 29,282 — Add: Merger related expenses (net of tax) (d) 3,360 40,164 1,207 Net income, as adjusted (Non-GAAP) $181,455 $165,803 $124,727 Dividends on preferred stock 3,172 3,172 3,172 Net income available to common shareholders, as adjusted (Non-GAAP) $178,283 $162,631 $121,555 (a) Included in (losses) / gains on securities transactions, net. (b) Litigation reserve included in professional and legal fees. (c) Represents provision for credit losses for non-PCD loans and unfunded credit commitments acquired from Bank Leumi USA. (d) Merger related expenses are primarily within salary and employee benefits expense, other expense, and professional and legal fees. Adjusted per common share data (Non-GAAP): Net income available to common shareholders, as adjusted (Non-GAAP) $178,283 $162,631 $121,555 Average number of shares outstanding 506,342,200 506,302,464 406,824,160 Basic earnings, as adjusted (Non-GAAP) $0.35 $0.32 $0.30 Average number of diluted shares outstanding 508,690,997 508,479,206 409,238,001 Diluted earnings, as adjusted (Non-GAAP) $0.35 $0.32 $0.30 Adjusted annualized return on average tangible shareholders' equity (Non-GAAP): Net income, as adjusted (Non-GAAP) $181,455 $165,803 $124,727 Average shareholders' equity 6,256,767 6,238,985 4,794,843 Less: Average goodwill and other intangible assets 2,117,818 2,105,585 1,446,760 Average tangible shareholders' equity 4,138,949 4,133,400 3,348,083 Annualized return on average tangible shareholders' equity, as adjusted (Non-GAAP) 17.54% 16.05% 14.90% Adjusted annualized return on average assets (Non-GAAP): Net income, as adjusted (Non-GAAP) $181,455 $165,803 $124,727 Average assets $54,858,306 $53,211,422 $41,543,930 Annualized return on average assets, as adjusted (Non-GAAP) 1.32% 1.25% 1.20% Adjusted annualized return on average shareholders' equity (Non-GAAP): Net income, as adjusted (Non-GAAP) $181,455 $165,803 $124,727 Average shareholders' equity 6,256,767 6,238,985 4,794,843 Annualized return on average shareholders' equity, as adjusted (Non-GAAP) 11.60% 10.63% 10.41% Three Months Ended Non-GAAP Reconciliations to GAAP Financial Measures


 
15 September 30, June 30, September 30, ($ in thousands) 2022 2022 2021 Annualized return on average tangible shareholders' equity (Non-GAAP): Net income, as reported (GAAP) $178,119 $96,413 $122,580 Average shareholders' equity 6,256,767 6,238,985 4,794,843 Less: Average goodwill and other intangible assets 2,117,818 2,105,585 1,446,760 Average tangible shareholders' equity 4,138,949 4,133,400 3,348,083 Annualized return on average tangible shareholders' equity (Non-GAAP): 17.21% 9.33% 14.64% Efficiency ratio (Non-GAAP): Non-interest expense, as reported (GAAP) $261,640 $299,730 $174,922 Less: Litigation reserve (pre-tax) — — 2,100 Less: Merger-related expenses (pre-tax) 4,707 54,496 1,287 Less: Amortization of tax credit investments (pre-tax) 3,105 3,193 3,079 Non-interest expense, as adjusted (Non-GAAP) $253,828 $242,041 $168,456 Net interest income, as reported (GAAP) 453,992 418,160 301,026 Non-interest income, as reported (GAAP) 56,194 58,533 42,431 Add: Losses on available for sale and held to maturity securities transactions, net (pre-tax) (33) (78) (788) Non-interest income, as adjusted (Non-GAAP) $56,161 $58,455 $41,643 Gross operating income, as adjusted (Non-GAAP) 510,153 476,615 $342,669 Efficiency ratio (Non-GAAP) 49.76% 50.78% 49.16% Annualized pre-provision net revenue / average assets Net interest income, as reported (GAAP) $453,992 $418,160 $301,026 Non-interest income, as reported (GAAP) 56,194 58,533 42,431 Less: Non-interest expense, as reported (GAAP) 261,640 299,730 174,922 Pre-provision net revenue (GAAP) $248,546 $176,963 $168,535 Average assets $54,858,306 $53,211,422 $41,543,930 Annualized pre-provision net revenue / average assets (GAAP) 1.81% 1.33% 1.62% Annualized pre-provision net revenue / average assets, as adjusted Pre-provision net revenue (GAAP) $248,546 $176,963 $168,535 Add: Litigation reserve (pre-tax) — — 2,100 Add: Merger-related expenses (pre-tax) 4,707 54,496 1,287 Add: Amortization of tax credit investments (pre-tax) 3,105 3,193 3,079 Less: Gains on available for sale and held to maturity securities transactions, net (pre-tax) (33) (78) (788) Pre-provision net revenue, as adjusted (Non-GAAP) 256,325 234,574 174,213 Average assets $54,858,306 $53,211,422 $41,543,930 Annualized pre-provision net revenue / average assets, as adjusted (Non-GAAP) 1.87% 1.76% 1.68% Three Months Ended Non-GAAP Reconciliations to GAAP Financial Measures


 
16 September 30, June 30, September 30, ($ in thousands) 2022 2022 2021 Annualized return on average assets, excluding Paycheck Protection Program ("PPP") (Non-GAAP): Net income, as reported (GAAP) $178,119 $96,413 $122,580 Less: PPP loan income (net of tax) 1,100 2,954 12,097 Net income, excluding PPP loan income (Non-GAAP) 177,019 93,459 110,483 Average assets $54,858,306 $53,211,422 $41,543,930 Less: Average PPP loans (Non-GAAP) 106,030 227,794 1,134,491 Average assets, excluding average PPP loans (Non-GAAP) 54,752,276 52,983,628 40,409,439 Annualized return on average assets, excluding PPP (Non-GAAP) 1.29% 0.71% 1.09% Adjusted annualized return on average assets, excluding Paycheck Protection Program ("PPP") (Non-GAAP): Net income, as adjusted (Non-GAAP) $181,455 $165,803 $124,727 Less: PPP loan income (net of tax) 1,100 2,954 12,097 Net income, as adjusted, excluding PPP loan income (Non-GAAP) 180,355 162,849 112,630 Average assets, excluding average PPP loans (Non-GAAP) 54,752,276 52,983,628 40,409,439 Annualized return on average assets, as adjusted, excluding PPP (Non-GAAP) 1.32% 1.23% 1.11% Three Months Ended Non-GAAP Reconciliations to GAAP Financial Measures


 
17 September 30, June 30, March 31, December 31, September 30, June 30, March 31, December 31, September 30, June 30, ($ in thousands, except for share data) 2022 2022 2022 2021 2021 2021 2021 2020 2020 2020 Net interest income, as reported (GAAP) 453,992$ 418,160$ 317,669$ 315,301$ 301,026$ 300,907$ 292,667$ 287,920$ 283,086$ 282,559$ Non-interest income, as reported (GAAP) 56,194 58,533 39,270 38,223 42,431 43,126 31,233 47,533 49,272 44,830 Add: Net impairment losses on securities (pre-tax) - - - - - - - - - - Add: Branch related asset impairment (pre-tax) - - - - - - - - - - Add: Losses / (gains) on available for sale and held to maturity securities transactions, net (pre-tax) (33) (78) 9 12 (788) 113 118 (651) 46 41 Less: Gain on the sale of Visa Class B shares (pre-tax) - - - - - - - - - - Less: Gain on sale leaseback transaction (pre-tax) - - - - - - - - - - Non-Interest Income, as adjusted (Non-GAAP) 56,161 58,455 39,279 38,235 41,643 43,239 31,351 46,882 49,318 44,871 Gross revenue, as adjusted (Non-GAAP) 510,153 476,615 356,948 353,536 342,669 344,146 324,018 334,802 332,404 327,430 Less: PPP Loan Income (pre-tax) 1,522 4,074 7,075 17,161 16,284 25,726 25,733 17,018 14,772 11,836 Gross revenue, as adjusted, excluding PPP (Non-GAAP) 508,631 472,541 349,873 336,375 326,385 318,420 298,285 317,784 317,632 315,594 Non-interest expense, as reported (GAAP) $261,640 $299,730 $197,340 $184,514 $174,922 $171,893 $160,213 $173,141 $160,185 $157,166 Less: Loss on extinguishment of debt (pre-tax) - - - - - 8,406 - 9,683 2,353 - Less: Severance expense (pre-tax) - - - - - - - 2,072 - - Less: Litigation reserve - - - - 2,100 - - - - - Less: Merger-related expenses (pre-tax) 4,707 54,496 4,628 7,613 1,287 - - 133 106 366 Less: Amortization of tax credit investments (pre-tax) 3,105 3,193 2,896 2,115 3,079 2,972 2,744 3,932 2,759 3,416 Non-interest expense, as adjusted (Non-GAAP) 253,828 242,041 189,816 174,786 168,456 160,515 157,469 157,321 154,967 153,384 Efficiency ratio (Non-GAAP) 49.76% 50.78% 53.18% 49.44% 49.16% 46.64% 48.60% 46.99% 46.62% 46.84% Efficiency ratio, excluding PPP (Non-GAAP) 49.90% 51.22% 54.25% 51.96% 51.61% 50.41% 52.79% 49.51% 48.79% 48.60% March 31, December 31, September 30, June 30, March 31, December 31, September 30, June 30, March 31, ($ in thousands, except for share data) 2020 2019 2019 2019 2019 2018 2018 2018 2018 Net interest income, as reported (GAAP) 265,339$ 238,541$ 220,625$ 220,234$ 218,648$ 222,053$ 216,800$ 210,752$ 207,598$ Non-interest income, as reported (GAAP) 41,397 38,094 41,150 27,603 107,673 34,694 29,038 38,069 32,251 Add: Net impairment losses on securities (pre-tax) - - - 2,928 - - - - - Add: Branch related asset impairment (pre-tax) - - - - - - 1,821 - - Add: Losses / (gains) on available for sale and held to maturity securities transactions, net (pre-tax) 40 36 93 (11) 32 1,462 79 36 765 Less: Gain on the sale of Visa Class B shares (pre-tax) - - - - - 6,530 - - - Less: Gain on sale leaseback transaction (pre-tax) - - - - 78,505 - - - - Non-Interest Income, as adjusted (Non-GAAP) 41,437 38,130 41,243 30,520 29,200 29,626 30,938 38,105 33,016 Gross revenue, as adjusted (Non-GAAP) 306,776 276,671 261,868 250,754 247,848 251,679 247,738 248,857 240,614 Less: PPP Loan Income (pre-tax) - - - - - - - - - Gross revenue, as adjusted, excluding PPP (Non-GAAP) 306,776 276,671 261,868 250,754 247,848 251,679 247,738 248,857 240,614 Non-interest expense, as reported (GAAP) $155,656 $196,146 $145,877 $141,737 $147,795 $153,712 $151,681 $149,916 $173,752 Less: Loss on extinguishment of debt (pre-tax) - 31,995 - - - - - - - Less: Severance expense (pre-tax) - - - - 4,838 2,662 - - - Less: Litigation reserve - - - - - - 1,684 - 10,500 Less: Merger-related expenses (pre-tax) 1,302 15,110 1,434 35 - (635) 1,304 3,248 13,528 Less: Amortization of tax credit investments (pre-tax) 3,228 3,971 4,385 4,863 7,173 9,044 5,412 4,470 5,274 Non-interest expense, as adjusted (Non-GAAP) 151,126 145,070 140,058 136,839 135,784 142,641 143,281 142,198 144,450 Efficiency ratio (Non-GAAP) 49.26% 52.43% 53.48% 54.57% 54.79% 56.68% 57.84% 57.14% 60.03% Efficiency ratio, excluding PPP (Non-GAAP) 49.26% 52.43% 53.48% 54.57% 54.79% 56.68% 57.84% 57.14% 60.03% Three Months Ended Three Months Ended Non-GAAP Reconciliations to GAAP Financial Measures


 
18 September 30, June 30, March 31, December 31, September 30, ($ in thousands, except for share data) 2022 2022 2022 2021 2021 Tangible book value per common share (Non-GAAP): Common shares outstanding 506,351,502 506,328,526 421,437,068 421,437,068 407,313,664 Shareholders' equity $6,273,828 $6,204,913 $5,096,384 $5,084,066 $4,822,498 Less: Preferred Stock 209,691 209,691 209,691 209,691 209,691 Less: Goodwill and other intangible assets 2,079,731 2,090,147 1,543,238 1,529,394 1,444,967 Tangible common shareholders' equity (Non-GAAP) $3,984,406 $3,905,075 $3,343,455 $3,344,981 $3,167,840 Tangible book value per common share (Non-GAAP): $7.87 $7.71 $7.93 $7.94 $7.78 Tangible common equity to tangible assets (Non-GAAP): Tangible common shareholders' equity (Non-GAAP) $3,984,406 $3,905,075 $3,343,455 $3,344,981 $3,167,840 Total assets 55,927,501 54,438,807 43,551,457 43,446,443 41,278,007 Less: Goodwill and other intangible assets 2,079,731 2,090,147 1,543,238 1,529,394 1,444,967 Tangible assets (Non-GAAP) 53,847,770 52,348,660 42,008,219 41,917,049 $39,833,040 Tangible common equity to tangible assets (Non-GAAP) 7.40% 7.46% 7.96% 7.98% 7.95% As of Non-GAAP Reconciliations to GAAP Financial Measures


 
19 ▪ Log onto our website: www.valley.com ▪ Email requests to: tlan@valley.com ▪ Call Travis Lan in Investor Relations, at: (973) 686-5007 ▪ Write to: Valley National Bank 1455 Valley Road Wayne, New Jersey 07470 Attn: Travis Lan, FSVP – Director, Corporate Finance & Business Development ▪ Log onto our website above or www.sec.gov to obtain free copies of documents filed by Valley with the SEC For More Information


 
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