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Pay vs Performance Disclosure | 12 Months Ended
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Dec. 31, 2024 USD ($) | Dec. 31, 2023 USD ($) | Dec. 31, 2022 USD ($) | Dec. 31, 2021 USD ($) | Dec. 31, 2020 USD ($)
Pay vs Performance Disclosure |  |  |  |  |
Pay vs Performance Disclosure, Table | Pay versus Performance As required by Section 953(a) of the Dodd-Frank Wall Street Reform and Consumer Protection Act, and Item 402(v) of Regulation S-K, we are providing the following information that demonstrates the relationship between executive “Compensation Actually Paid” and the Company’s performance against several specific financial metrics. For further information regarding our executive compensation programs, the metrics the Human Capital and Compensation Committee used to set executive compensation for 2024 (which is different than the financial metrics we are required to include in the tables and discussion below) and our pay-for-performance philosophy, please refer to “Compensation Discussion and Analysis” starting on page 41. Pay versus Performance Table The table below reflects Compensation Actually Paid to the Company’s Principal Executive Officer (“PEO”) and average Compensation Actually Paid to Non-PEO Named Executive Officers during 2020 through 2024. In addition, the table compares our Total Shareholder Return (“TSR”) against peer group TSR using the KBW Bank Index.
|  | Summary Compensation Table Total for PEO |  |  | Compensation Actually Paid to PEO |  |  |  |
Year |  | Timothy N. Spence (1) ($) |  |  | Greg D. Carmichael (1) ($) |  |  | Timothy N. Spence (1), (2),(3) ($) |  |  | Greg D. Carmichael (1),(2),(3) ($) |  |  | Average Summary Compensation Table Total for Non-PEO NEOs (1) ($) |  |  | Average Compensation Actually Paid to Non-PEO NEOs ($) |  |  | Value of Initial Fixed $100 Investment based on: (4) |  |  | Net Income ($ Millions) |  |  | Adjusted ROACE (5) |
| TSR ($) |  |  | Peer Group TSR ($) |
(a) |  |  | (b) |  |  |  | (b) |  |  |  | (c) |  |  |  | (c) |  |  |  | (d) |  |  |  | (e) |  |  |  | (f) |  |  |  | (g) |  |  |  | (h) |  |  |  | (i) |
2024 |  |  | 10,107,358 |  |  |  | — |  |  |  | 16,557,033 |  |  |  | — |  |  |  | 4,997,796 |  |  |  | 6,888,467 |  |  |  | 168.43 |  |  |  | 132.63 |  |  |  | 2,314 |  |  |  | 10.64 | %
2023 |  |  | 9,385,726 |  |  |  | — |  |  |  | 11,127,150 |  |  |  | — |  |  |  | 2,659,424 |  |  |  | 3,233,874 |  |  |  | 132.49 |  |  |  | 96.66 |  |  |  | 2,349 |  |  |  | 11.9 | %
2022 |  |  | 8,138,659 |  |  |  | 11,020,287 |  |  |  | 7,385,480 |  |  |  | 9,082,391 |  |  |  | 2,764,020 |  |  |  | 2,223,867 |  |  |  | 120.03 |  |  |  | 97.53 |  |  |  | 2,446 |  |  |  | 12.5 | %
2021 |  |  | — |  |  |  | 10,531,649 |  |  |  | — |  |  |  | 20,997,747 |  |  |  | 3,061,398 |  |  |  | 5,142,100 |  |  |  | 153.73 |  |  |  | 124.08 |  |  |  | 2,770 |  |  |  | 14.5 | %
2020 |  |  | — |  |  |  | 9,797,589 |  |  |  | — |  |  |  | 7,761,702 |  |  |  | 2,325,412 |  |  |  | 1,936,839 |  |  |  | 94.64 |  |  |  | 89.69 |  |  |  | 1,427 |  |  |  | 8.4 | %
(1) | The amounts reported in columns (b) reflect the Summary Compensation Table Total for Mr. Carmichael and Mr. Spence for the years in which they served as PEO. For the years reported in the table, Greg D. Carmichael was our PEO from January 2020 to July 2022, and Timothy N. Spence has been our PEO since July 2022. The amounts reported in column (d) reflect the average Summary Compensation Table Total amounts for the Non-PEO Executive Officers for the respective years. The individuals comprising the Non-PEO NEOs for each year presented are listed below.
2020 |  | 2021 |  | 2022 |  | 2023 |  | 2024
James C. Leonard |  | James C. Leonard |  | James C. Leonard |  | James C. Leonard |  | Bryan D. Preston
Tayfun Tuzun |  | Timothy N. Spence |  | Robert P. Shaffer |  | Robert P. Shaffer |  | James C. Leonard
Lars C. Anderson |  | Lars C. Anderson |  | Kevin P. Lavender |  | Kevin P. Lavender |  | Robert P. Shaffer
Timothy N. Spence |  | Kevin P. Lavender |  | Howard Hammond |  | Jude A. Schramm |  | Kevin P. Lavender
Robert P. Shaffer |  |  |  |  |  |  |  |
Frank R. Forrest |  |  |  |  |  |  |  |
(2) | The amounts shown for Compensation Actually Paid have been calculated in accordance with Item 402(v) of Regulation S-K and do not reflect compensation actually earned, realized, or received by the Company’s NEOs. These amounts reflect the Summary Compensation Table Total with certain adjustments as described in footnote 3 below.
(3) | Compensation Actually Paid reflects the exclusions and inclusions of certain amounts for the PEOs and the Non-PEO NEOs as set forth below. Equity values are calculated in accordance with FASB ASC Topic 718. Amounts in the Exclusion of Stock Awards and Option Awards column are the totals from the Stock Awards and Option Awards columns set forth in the Summary Compensation Table. The equity value adjustments for each applicable year include the addition (or subtraction, as applicable) of the following: (i) the year-end fair value of any equity awards granted in the applicable year that are outstanding and unvested as of the end of the year; (ii) the amount of change as of the end of the applicable year (from the end of the prior fiscal year) in the fair value of any awards granted in prior years that are outstanding and unvested as of the end of the applicable year; (iii) for awards that are granted and vest in the same applicable year, the fair value as of the vesting date; (iv) for awards granted
| in prior years that vest in the applicable year, the amount equal to the change as of the vesting date (from the end of the prior fiscal year) in fair value; (v) for awards granted in prior years that are determined to fail to meet the applicable vesting conditions during the applicable year, a deduction for the amount equal to the fair value at the end of the prior fiscal year; and (vi) the dollar value of any dividends or other earnings paid on stock or option awards in the applicable year prior to the vesting date that are not otherwise reflected in the fair value of such award or included in any other component of total compensation for the applicable year. The valuation assumptions used to calculate fair values did not materially differ from those disclosed at the time of grant.
Year |  | Summary Compensation Table Total for PEO ($) |  | Exclusion of Stock Awards and Option Awards for PEO ($) |  | Inclusion of Equity Values for PEO ($) |  | Compensation Actually Paid to PEO ($)
Timothy N. Spence |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
2024 |  |  |  | 10,107,358 |  |  |  |  | (6,418,555 | ) |  |  |  | 12,868,230 |  |  |  |  | 16,557,033 |
2023 |  |  |  | 9,385,726 |  |  |  |  | (6,381,769 | ) |  |  |  | 8,123,193 |  |  |  |  | 11,127,150 |
2022 |  |  |  | 8,138,659 |  |  |  |  | (5,437,487 | ) |  |  |  | 4,684,308 |  |  |  |  | 7,385,480 |
Greg D. Carmichael |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
2022 |  |  |  | 11,020,287 |  |  |  |  | (6,850,015 | ) |  |  |  | 4,912,119 |  |  |  |  | 9,082,391 |
2021 |  |  |  | 10,531,649 |  |  |  |  | (5,750,002 | ) |  |  |  | 16,216,100 |  |  |  |  | 20,997,747 |
2020 |  |  |  | 9,797,589 |  |  |  |  | (5,500,000 | ) |  |  |  | 3,464,113 |  |  |  |  | 7,761,702 |
Year |  | Average Summary Compensation Table Total for Non-PEO NEOs ($) |  | Average Exclusion of Stock Awards and Option Awards for Non-PEO NEOs ($) |  | Average Inclusion of Equity Values for Non-PEO NEOs ($) |  | Average Compensation Actually Paid to Non-PEO NEOs ($)
2024 |  |  |  | 4,997,796 |  |  |  |  | (3,384,239 | ) |  |  |  | 5,274,910 |  |  |  |  | 6,888,467 |
2023 |  |  |  | 2,659,424 |  |  |  |  | (1,316,236 | ) |  |  |  | 1,890,686 |  |  |  |  | 3,233,874 |
2022 |  |  |  | 2,764,020 |  |  |  |  | (1,396,259 | ) |  |  |  | 856,107 |  |  |  |  | 2,223,867 |
2021 |  |  |  | 3,061,398 |  |  |  |  | (1,374,990 | ) |  |  |  | 3,445,692 |  |  |  |  | 5,142,100 |
2020 |  |  |  | 2,325,412 |  |  |  |  | (1,118,053 | ) |  |  |  | 729,479 |  |  |  |  | 1,936,839 |
The amounts in the Inclusion of Equity V a lues in the tables above are derived from the amounts set forth in the following tables:
Year |  | Year-End Fair Value of Equity Awards Granted During Year That Remained Unvested as of Last Day of Year for PEO ($) |  |  | Change in Fair Value from Last Day of Prior Year to Last Day of Year of Unvested Equity Awards for PEO ($) |  |  | Vesting- Date Fair Value of Equity Awards Granted During Year that Vested During Year for PEO ($) |  |  | Change in Fair Value from Last Day of Prior Year to Vesting Date of Unvested Equity Awards that Vested During Year for PEO ($) |  |  | Fair Value at Last Day of Prior Year of Equity Awards Forfeited During Year for PEO ($) |  |  | Value of Dividends or Other Earnings Paid on Stock or Option Awards Not Otherwise Included for PEO ($) |  |  | Total - Inclusion of Equity Values for PEO ($) |
Timothy N. Spence |  |  |  |  |
2024 |  |  | 8,688,375 |  |  |  | 4,293,218 |  |  |  | 0 |  |  |  | (113,363 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 12,868,230 |
2023 |  |  | 6,071,861 |  |  |  | 1,876,851 |  |  |  | 0 |  |  |  | 174,481 |  |  |  | 0 |  |  |  | 0 |  |  |  | 8,123,193 |
2022 |  |  | 4,603,129 |  |  |  | (232,977 | ) |  |  | 0 |  |  |  | 314,156 |  |  |  | 0 |  |  |  | 0 |  |  |  | 4,684,308 |
Greg D. Carmichael |  |  |  |  |
2022 |  |  | 4,614,693 |  |  |  | (980,218 | ) |  |  | 0 |  |  |  | 1,277,644 |  |  |  | 0 |  |  |  | 0 |  |  |  | 4,912,119 |
2021 |  |  | 8,124,828 |  |  |  | 7,454,466 |  |  |  | 0 |  |  |  | 630,552 |  |  |  | 0 |  |  |  | 6,254 |  |  |  | 16,216,100 |
2020 |  |  | 5,164,819 |  |  |  | (1,301,870 | ) |  |  | 0 |  |  |  | (435,141 | ) |  |  | 0 |  |  |  | 36,305 |  |  |  | 3,464,113 |
PAY VERSUS PERFORMANCE
Year |  | Average Year-End Fair Value of Equity Awards Granted During Year That Remained Unvested as of Last Day of Year for Non-PEO NEOs ($) |  |  | Average Change in Fair Value from Last Day of Prior Year to Last Day of Year of Unvested Equity Awards for Non-PEO NEOs ($) |  |  | Average Vesting-Date Fair Value of Equity Awards Granted During Year that Vested During Year for Non-PEO NEOs ($) |  |  | Average Change in Fair Value from Last Day of Prior Year to Vesting Date of Unvested Equity Awards that Vested During Year for Non-PEO NEOs ($) |  |  | Average Fair Value at Last Day of Prior Year of Equity Awards Forfeited During Year for Non-PEO NEOs ($) |  |  | Average Value of Dividends or Other Earnings Paid on Stock or Option Awards Not Otherwise Included for Non-PEO NEOs ($) |  |  | Total - Average Inclusion of Equity Values for Non-PEO NEOs ($) |
2024 |  |  | 4,481,098 |  |  |  | 838,602 |  |  |  | 0 |  |  |  | (44,790 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 5,274,910 |
2023 |  |  | 1,252,318 |  |  |  | 519,821 |  |  |  | 0 |  |  |  | 118,547 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,890,686 |
2022 |  |  | 940,627 |  |  |  | (171,946 | ) |  |  | 0 |  |  |  | 80,293 |  |  |  | 0 |  |  |  | 7,134 |  |  |  | 856,107 |
2021 |  |  | 1,942,879 |  |  |  | 1,380,064 |  |  |  | 0 |  |  |  | 124,663 |  |  |  | 0 |  |  |  | 8,086 |  |  |  | 3,445,692 |
2020 |  |  | 1,081,407 |  |  |  | (254,970 | ) |  |  | 0 |  |  |  | (104,479 | ) |  |  | 0 |  |  |  | 7,521 |  |  |  | 729,479 |
(4) | The Peer Group TSR set forth in this table utilizes the KBW Bank Index, which we also utilize in the stock performance graph required by Item 201(e) of Regulation S-K included in our Annual Report for the year ended December 31, 2024. The comparison assumes $100 was invested for the period starting December 31, 2019, through the end of the listed year in the Company and in the KBW Bank Index, respectively. Historical stock performance is not necessarily indicative of future stock performance.
(5) | We determined Adjusted ROACE to be the most important financial performance measure used to link Company performance to Compensation Actually Paid to our PEOs and Non-PEO NEOs in 2024, given its impact on our determination of the change in value of the Performance Shares issued to those officers. As described in the Compensation Discussion and Analysis, the core performance measure for Performance Shares granted is Adjusted ROACE, measured against our peer group over a three-year performance period. This performance measure may not have been the most important financial performance measure for prior years and we may determine a different financial performance measure to be the most important financial performance measure in future years. Provided in the table above are the corresponding fiscal year Adjusted ROACE measure, versus the cumulative three-year measurement. Adjusted ROACE is a non-GAAP measure and is calculated as cumulative adjusted net income available to our common shareholders divided by average adjusted common shareholders’ equity. Adjusted net income available to our common shareholders is determined based upon the financial results for the fiscal year, adjusted for the following items: changes in tax laws, generally accepted accounting principles, or other laws or provisions affecting reported results; significant legal and regulatory settlements; asset write-downs, write-offs, dispositions, or sales resulting from a change in business strategy; Mark-to-Market impacts on the Visa swap and gains associated with the redemption or sale of Visa shares; merger-related, restructuring, early debt extinguishment, and other-than-temporary impairment charges; gains or losses on securities. Average adjusted common shareholders’ equity is based upon reported financial results, adjusted to exclude accumulated other comprehensive income.
Company Selected Measure Name | Adjusted ROACE |  |  |  |
Named Executive Officers, Footnote |
(1) | The amounts reported in columns (b) reflect the Summary Compensation Table Total for Mr. Carmichael and Mr. Spence for the years in which they served as PEO. For the years reported in the table, Greg D. Carmichael was our PEO from January 2020 to July 2022, and Timothy N. Spence has been our PEO since July 2022. The amounts reported in column (d) reflect the average Summary Compensation Table Total amounts for the Non-PEO Executive Officers for the respective years. The individuals comprising the Non-PEO NEOs for each year presented are listed below.
2020 |  | 2021 |  | 2022 |  | 2023 |  | 2024
James C. Leonard |  | James C. Leonard |  | James C. Leonard |  | James C. Leonard |  | Bryan D. Preston
Tayfun Tuzun |  | Timothy N. Spence |  | Robert P. Shaffer |  | Robert P. Shaffer |  | James C. Leonard
Lars C. Anderson |  | Lars C. Anderson |  | Kevin P. Lavender |  | Kevin P. Lavender |  | Robert P. Shaffer
Timothy N. Spence |  | Kevin P. Lavender |  | Howard Hammond |  | Jude A. Schramm |  | Kevin P. Lavender
Robert P. Shaffer |  |  |  |  |  |  |  |
Frank R. Forrest |  |  |  |  |  |  |  |
Peer Group Issuers, Footnote | The Peer Group TSR set forth in this table utilizes the KBW Bank Index, which we also utilize in the stock performance graph required by Item 201(e) of Regulation S-K included in our Annual Report for the year ended December 31, 2024. |  |  |  |
Adjustment To PEO Compensation, Footnote |
Year |  | Summary Compensation Table Total for PEO ($) |  | Exclusion of Stock Awards and Option Awards for PEO ($) |  | Inclusion of Equity Values for PEO ($) |  | Compensation Actually Paid to PEO ($)
Timothy N. Spence |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
2024 |  |  |  | 10,107,358 |  |  |  |  | (6,418,555 | ) |  |  |  | 12,868,230 |  |  |  |  | 16,557,033 |
2023 |  |  |  | 9,385,726 |  |  |  |  | (6,381,769 | ) |  |  |  | 8,123,193 |  |  |  |  | 11,127,150 |
2022 |  |  |  | 8,138,659 |  |  |  |  | (5,437,487 | ) |  |  |  | 4,684,308 |  |  |  |  | 7,385,480 |
Greg D. Carmichael |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
2022 |  |  |  | 11,020,287 |  |  |  |  | (6,850,015 | ) |  |  |  | 4,912,119 |  |  |  |  | 9,082,391 |
2021 |  |  |  | 10,531,649 |  |  |  |  | (5,750,002 | ) |  |  |  | 16,216,100 |  |  |  |  | 20,997,747 |
2020 |  |  |  | 9,797,589 |  |  |  |  | (5,500,000 | ) |  |  |  | 3,464,113 |  |  |  |  | 7,761,702 |
Year |  | Year-End Fair Value of Equity Awards Granted During Year That Remained Unvested as of Last Day of Year for PEO ($) |  |  | Change in Fair Value from Last Day of Prior Year to Last Day of Year of Unvested Equity Awards for PEO ($) |  |  | Vesting- Date Fair Value of Equity Awards Granted During Year that Vested During Year for PEO ($) |  |  | Change in Fair Value from Last Day of Prior Year to Vesting Date of Unvested Equity Awards that Vested During Year for PEO ($) |  |  | Fair Value at Last Day of Prior Year of Equity Awards Forfeited During Year for PEO ($) |  |  | Value of Dividends or Other Earnings Paid on Stock or Option Awards Not Otherwise Included for PEO ($) |  |  | Total - Inclusion of Equity Values for PEO ($) |
Timothy N. Spence |  |  |  |  |
2024 |  |  | 8,688,375 |  |  |  | 4,293,218 |  |  |  | 0 |  |  |  | (113,363 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 12,868,230 |
2023 |  |  | 6,071,861 |  |  |  | 1,876,851 |  |  |  | 0 |  |  |  | 174,481 |  |  |  | 0 |  |  |  | 0 |  |  |  | 8,123,193 |
2022 |  |  | 4,603,129 |  |  |  | (232,977 | ) |  |  | 0 |  |  |  | 314,156 |  |  |  | 0 |  |  |  | 0 |  |  |  | 4,684,308 |
Greg D. Carmichael |  |  |  |  |
2022 |  |  | 4,614,693 |  |  |  | (980,218 | ) |  |  | 0 |  |  |  | 1,277,644 |  |  |  | 0 |  |  |  | 0 |  |  |  | 4,912,119 |
2021 |  |  | 8,124,828 |  |  |  | 7,454,466 |  |  |  | 0 |  |  |  | 630,552 |  |  |  | 0 |  |  |  | 6,254 |  |  |  | 16,216,100 |
2020 |  |  | 5,164,819 |  |  |  | (1,301,870 | ) |  |  | 0 |  |  |  | (435,141 | ) |  |  | 0 |  |  |  | 36,305 |  |  |  | 3,464,113 |
Non-PEO NEO Average Total Compensation Amount | $ 4,997,796 | $ 2,659,424 | $ 2,764,020 | $ 3,061,398 | $ 2,325,412
Non-PEO NEO Average Compensation Actually Paid Amount | $ 6,888,467 | 3,233,874 | 2,223,867 | 5,142,100 | 1,936,839
Adjustment to Non-PEO NEO Compensation Footnote |
Year |  | Average Summary Compensation Table Total for Non-PEO NEOs ($) |  | Average Exclusion of Stock Awards and Option Awards for Non-PEO NEOs ($) |  | Average Inclusion of Equity Values for Non-PEO NEOs ($) |  | Average Compensation Actually Paid to Non-PEO NEOs ($)
2024 |  |  |  | 4,997,796 |  |  |  |  | (3,384,239 | ) |  |  |  | 5,274,910 |  |  |  |  | 6,888,467 |
2023 |  |  |  | 2,659,424 |  |  |  |  | (1,316,236 | ) |  |  |  | 1,890,686 |  |  |  |  | 3,233,874 |
2022 |  |  |  | 2,764,020 |  |  |  |  | (1,396,259 | ) |  |  |  | 856,107 |  |  |  |  | 2,223,867 |
2021 |  |  |  | 3,061,398 |  |  |  |  | (1,374,990 | ) |  |  |  | 3,445,692 |  |  |  |  | 5,142,100 |
2020 |  |  |  | 2,325,412 |  |  |  |  | (1,118,053 | ) |  |  |  | 729,479 |  |  |  |  | 1,936,839 |
Year |  | Average Year-End Fair Value of Equity Awards Granted During Year That Remained Unvested as of Last Day of Year for Non-PEO NEOs ($) |  |  | Average Change in Fair Value from Last Day of Prior Year to Last Day of Year of Unvested Equity Awards for Non-PEO NEOs ($) |  |  | Average Vesting-Date Fair Value of Equity Awards Granted During Year that Vested During Year for Non-PEO NEOs ($) |  |  | Average Change in Fair Value from Last Day of Prior Year to Vesting Date of Unvested Equity Awards that Vested During Year for Non-PEO NEOs ($) |  |  | Average Fair Value at Last Day of Prior Year of Equity Awards Forfeited During Year for Non-PEO NEOs ($) |  |  | Average Value of Dividends or Other Earnings Paid on Stock or Option Awards Not Otherwise Included for Non-PEO NEOs ($) |  |  | Total - Average Inclusion of Equity Values for Non-PEO NEOs ($) |
2024 |  |  | 4,481,098 |  |  |  | 838,602 |  |  |  | 0 |  |  |  | (44,790 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 5,274,910 |
2023 |  |  | 1,252,318 |  |  |  | 519,821 |  |  |  | 0 |  |  |  | 118,547 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,890,686 |
2022 |  |  | 940,627 |  |  |  | (171,946 | ) |  |  | 0 |  |  |  | 80,293 |  |  |  | 0 |  |  |  | 7,134 |  |  |  | 856,107 |
2021 |  |  | 1,942,879 |  |  |  | 1,380,064 |  |  |  | 0 |  |  |  | 124,663 |  |  |  | 0 |  |  |  | 8,086 |  |  |  | 3,445,692 |
2020 |  |  | 1,081,407 |  |  |  | (254,970 | ) |  |  | 0 |  |  |  | (104,479 | ) |  |  | 0 |  |  |  | 7,521 |  |  |  | 729,479 |
Compensation Actually Paid vs. Total Shareholder Return | The following chart sets forth the relationship between Compensation Actually Paid to our PEOs, the average of Compensation Actually Paid to our other NEOs, and the Company’s cumulative TSR over the five most recently completed fiscal years. |  |  |  |
Compensation Actually Paid vs. Net Income | The following chart sets forth the relationship between Compensation Actually Paid to our PEOs, the average of Compensation Actually Paid to our other NEOs, and our net income during the five most recently completed fiscal years. |  |  |  |
Compensation Actually Paid vs. Company Selected Measure | The following chart sets forth the relationship between Compensation Actually Paid to our PEOs, the average of Compensation Actually Paid to our other NEOs, and our Annual Adjusted ROACE during each of the five most recently completed fiscal years. |  |  |  |
Total Shareholder Return Vs Peer Group | The following chart compares our cumulative TSR over the five most recently completed fiscal years to that of the KBW Bank Index over the same period. |  |  |  |
Tabular List, Table | Tabular List of Most Important Performance Measures The following table presents the financial performance measures that the Company considers to be the m ost important in linking Compensation Actually Paid to our PEOs and other NEOs for 2024 to Company performance. The measures in this table are not ranked.
Adjusted Return on Average Common Equity
Adjusted Earnings Per Share
Adjusted Return on Assets
Adjusted Efficiency Ratio
Total Shareholder Return Amount | $ 168.43 | 132.49 | 120.03 | 153.73 | 94.64
Peer Group Total Shareholder Return Amount | 132.63 | 96.66 | 97.53 | 124.08 | 89.69
Net Income (Loss) | $ 2,314,000,000 | $ 2,349,000,000 | $ 2,446,000,000 | $ 2,770,000,000 | $ 1,427,000,000
Company Selected Measure Amount | 10.64 | 11.9 | 12.5 | 14.5 | 8.4
Measure:: 1 |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Name | Adjusted Return on Average Common Equity |  |  |  |
Non-GAAP Measure Description | Adjusted ROACE is a non-GAAP measure and is calculated as cumulative adjusted net income available to our common shareholders divided by average adjusted common shareholders’ equity. Adjusted net income available to our common shareholders is determined based upon the financial results for the fiscal year, adjusted for the following items: changes in tax laws, generally accepted accounting principles, or other laws or provisions affecting reported results; significant legal and regulatory settlements; asset write-downs, write-offs, dispositions, or sales resulting from a change in business strategy; Mark-to-Market impacts on the Visa swap and gains associated with the redemption or sale of Visa shares; merger-related, restructuring, early debt extinguishment, and other-than-temporary impairment charges; gains or losses on securities. Average adjusted common shareholders’ equity is based upon reported financial results, adjusted to exclude accumulated other comprehensive income. |  |  |  |
Measure:: 2 |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Name | Adjusted Earnings Per Share |  |  |  |
Measure:: 3 |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Name | Adjusted Return on Assets |  |  |  |
Measure:: 4 |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Name | Adjusted Efficiency Ratio |  |  |  |
Timothy N. Spence [Member] |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
PEO Total Compensation Amount | $ 10,107,358 | $ 9,385,726 | $ 8,138,659 |  |
PEO Actually Paid Compensation Amount | $ 16,557,033 | 11,127,150 | 7,385,480 |  |
PEO Name | Timothy N. Spence |  |  |  |
Greg D. Carmichael [Member] |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
PEO Total Compensation Amount |  |  | 11,020,287 | $ 10,531,649 | $ 9,797,589
PEO Actually Paid Compensation Amount |  |  | 9,082,391 | 20,997,747 | 7,761,702
PEO Name | Greg D. Carmichael |  |  |  |
PEO | Timothy N. Spence [Member] | Equity Awards Adjustments |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | $ 12,868,230 | 8,123,193 | 4,684,308 |  |
PEO | Timothy N. Spence [Member] | Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | 8,688,375 | 6,071,861 | 4,603,129 |  |
PEO | Timothy N. Spence [Member] | Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | 4,293,218 | 1,876,851 | (232,977) |  |
PEO | Timothy N. Spence [Member] | Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | 0 | 0 | 0 |  |
PEO | Timothy N. Spence [Member] | Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | (113,363) | 174,481 | 314,156 |  |
PEO | Timothy N. Spence [Member] | Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | 0 | 0 | 0 |  |
PEO | Timothy N. Spence [Member] | Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | 0 | 0 | 0 |  |
PEO | Timothy N. Spence [Member] | Stock Awards and Option Awards [Member] |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | (6,418,555) | (6,381,769) | (5,437,487) |  |
PEO | Greg D. Carmichael [Member] | Equity Awards Adjustments |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount |  |  | 4,912,119 | 16,216,100 | 3,464,113
PEO | Greg D. Carmichael [Member] | Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount |  |  | 4,614,693 | 8,124,828 | 5,164,819
PEO | Greg D. Carmichael [Member] | Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount |  |  | (980,218) | 7,454,466 | (1,301,870)
PEO | Greg D. Carmichael [Member] | Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount |  |  | 0 | 0 | 0
PEO | Greg D. Carmichael [Member] | Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount |  |  | 1,277,644 | 630,552 | (435,141)
PEO | Greg D. Carmichael [Member] | Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount |  |  | 0 | 0 | 0
PEO | Greg D. Carmichael [Member] | Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount |  |  | 0 | 6,254 | 36,305
PEO | Greg D. Carmichael [Member] | Stock Awards and Option Awards [Member] |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount |  |  | (6,850,015) | (5,750,002) | (5,500,000)
Non-PEO NEO | Equity Awards Adjustments |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | 5,274,910 | 1,890,686 | 856,107 | 3,445,692 | 729,479
Non-PEO NEO | Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | 4,481,098 | 1,252,318 | 940,627 | 1,942,879 | 1,081,407
Non-PEO NEO | Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | 838,602 | 519,821 | (171,946) | 1,380,064 | (254,970)
Non-PEO NEO | Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | 0 | 0 | 0 | 0 | 0
Non-PEO NEO | Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | (44,790) | 118,547 | 80,293 | 124,663 | (104,479)
Non-PEO NEO | Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | 0 | 0 | 0 | 0 | 0
Non-PEO NEO | Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | 0 | 0 | 7,134 | 8,086 | 7,521
Non-PEO NEO | Stock Awards and Option Awards [Member] |  |  |  |  |
Pay vs Performance Disclosure |  |  |  |  |
Adjustment to Compensation, Amount | $ (3,384,239) | $ (1,316,236) | $ (1,396,259) | $ (1,374,990) | $ (1,118,053)

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