FineMark Holdings, Inc. Reports Second Quarter Earnings 2023
FineMark Holdings, Inc. Reports Second Quarter Earnings 2023
FORT MYERS, FL / ACCESSWIRE / July 19, 2023 / FineMark Holdings, Inc. (the "Holding Company") (OTCQX:FNBT), the parent company of FineMark National Bank & Trust (the "Bank"; collectively, "FineMark"), today reported revenues of $42.5 million and net revenues of $21.6 million for the second quarter ended June 30, 2023, compared to $31.0 million and $27.3 million, respectively, in the second quarter of 2022. Net income was $1.8 million, or $.15 per diluted share, compared with net income of $7 million, or $.59 per diluted share, for the same period a year ago.
佛罗里达州迈尔斯堡/ACCESSWIRE/2023年7月19日/FineMark National Bank&Trust(以下简称“银行”;统称为“FineMark”)的母公司FineMark控股公司(“控股公司”)(场外交易代码:FNBT)今天公布,截至2023年6月30日的第二季度收入为4250万美元,净收入为2160万美元,而2022年第二季度的收入分别为3100万美元和2730万美元。净收益为180万美元,或每股稀释后收益0.15美元,而去年同期的净收益为700万美元,或每股稀释后收益0.59美元。
Joseph R. Catti, Chairman & Chief Executive Officer:
董事长兼首席执行官约瑟夫·R·卡蒂:
Following upheavals in the banking sector in early 2023, conditions have broadly improved, and the number of troubled banks appears to be low. This serves as a powerful reminder that a successful bank relies on two key factors: the trust and loyalty of its clients, and a strong balance sheet. We are profoundly grateful for the confidence our clients place in our organization and for our dedicated associates who consistently demonstrate their unwavering commitment to serve our clients at the highest levels. They are the bedrock of our success and we have achieved remarkable top-line growth despite the challenging economic conditions.
在2023年初银行业发生动荡后,情况已普遍改善,陷入困境的银行数量似乎很少。这有力地提醒人们,一家成功的银行依赖于两个关键因素:客户的信任和忠诚度,以及强大的资产负债表。我们深深地感谢我们的客户对我们组织的信任,以及我们敬业的员工,他们始终表现出坚定不移的承诺,为我们的客户提供最高级别的服务。它们是我们成功的基石,尽管经济状况充满挑战,但我们的营收仍取得了令人瞩目的增长。
Since the implementation of the Federal Reserve's monetary tightening policy in early 2022, we have experienced continued pressure on earnings. The rapid rise in interest rates has resulted in a 30% reduction in net interest income in the second quarter of 2023, compared to the second quarter of 2022. This is due to rising interest expense associated with both deposits and an increase in wholesale borrowings. The wholesale borrowings were used to replace deposits that were transferred to the trust department to be primarily invested in short term treasuries. Since the beginning of the year, $379 million in deposits has been transferred into the trust department and $684 million since June 2022. However, when accounting for the deposits transferred into trust accounts, FineMark's total deposits would have increased by 13% since June 2022.
自2022年初美联储实施货币紧缩政策以来,我们经历了持续的盈利压力。利率的快速上升导致2023年第二季度的净利息收入比2022年第二季度减少了30%。这是由于与存款相关的利息支出上升以及批发借款增加所致。批发借款被用来取代转移到信托部门的存款,这些存款主要投资于短期国债。自年初以来,3.79亿美元的存款被转入信托部门,自2022年6月以来,已有6.84亿美元的存款被转入信托部门。然而,考虑到转移到信托账户的存款,FineMark的总存款自2022年6月以来增加了13%。
As of June 30, 2023, assets under management and administration totaled $6.7 billion, reflecting a 23% increase from $5.5 billion on June 30, 2022. A portion of this increase is a result of the treasury purchases mentioned above and will most likely be temporary. Correspondingly, recurring trust fees grew by 13% in Q2 of 2023 compared to the same quarter last year. These gains can be attributed to expanded relationships with existing clients, new relationships to the Bank, and the broad recovery in equity markets.
截至2023年6月30日,管理和管理的资产总额为67亿美元,较2022年6月30日的55亿美元增长23%。这一增长的一部分是上述购买国债的结果,很可能是暂时的。相应地,与去年同期相比,2023年第二季度经常性信托费用增长了13%。这些收益可以归因于与现有客户关系的扩大、与银行的新关系以及股票市场的广泛复苏。
Highlights from Q2:
第二季度的亮点:
- Interest income increased 52% or $11.6 million in the second quarter 2023 to $33.7 million, compared to total interest income of $22.1 million for the same quarter 2022. The increase in interest income is a result of higher interest rates and continued loan growth.
- Net loan growth year-over-year of $331 million and credit quality remains pristine.
- New trust assets grew $201 million in the second quarter, compared to $139 million for the second quarter last year, a 44% increase.
- 2023年第二季度的利息收入增长了52%,即1160万美元,达到3370万美元,而2022年同期的总利息收入为2210万美元。利息收入的增加是利率上升和贷款持续增长的结果。
- 净贷款同比增长3.31亿美元,信贷质量保持不变。
- 新的信托资产在第二季度增加了2.01亿美元,而去年第二季度为1.39亿美元,增长了44%。
Net Interest Income & Margin
净利息收入和利润率
For the second quarter of 2023, FineMark's net interest income totaled $12.8 million, representing a 30% decrease compared to Q2 of 2022. This decline is attributed to higher interest rates from the Fed's stance on controlling inflation. On June 30, 2022, the Fed Funds Effective Rate stood at 1.58%, while it reached 5.08% on June 30, 2023. Despite higher rates leading to increased yields on newly originated and floating rate loans, the volume was only partially sufficient to cover the increase in funding costs. Consequently, the Bank's net interest margin decreased to 1.4% in Q2 2023, down from 2.22% for the same period in 2022.
2023年第二季度,FineMark的净利息收入总计1280万美元,与2022年第二季度相比下降了30%。这一下降归因于美联储控制通胀的立场导致利率上升。2022年6月30日,联邦基金有效利率为1.58%,而2023年6月30日达到5.08%。尽管较高的利率导致新发放贷款和浮动利率贷款的收益率上升,但数量仅部分足以弥补融资成本的增加。因此,该行的净息差在2023年第二季度降至1.4%,低于2022年同期的2.22%。
Non-Interest Income
非利息收入
As of June 30, 2023, FineMark's assets under management and administration totaled $6.7 billion, reflecting a 23% increase from $5.5 billion on June 30, 2022. The Bank's investment management and trust fees also experienced a 9% year-over-year growth. Both new and existing clients, coupled with positive equity markets, added $261 million in assets during the second quarter of 2023. We view the addition of client assets as a testament to the exceptional level of service provided by our dedicated associates.
截至2023年6月30日,FineMark管理和管理的资产总额为67亿美元,较2022年6月30日的55亿美元增长23%。世行的投资管理和信托费用也经历了9%的同比增长。新客户和现有客户,加上积极的股市,在2023年第二季度增加了2.61亿美元的资产。我们认为,客户资产的增加证明了我们敬业员工提供的卓越服务水平。
Non-Interest Expense
非利息支出
Non-interest expense for the quarter ended June 30, 2023, rose to $19.4 million, marking a 10% increase from $17.7 million in the second quarter of 2022. While salary and employee benefits expenses exhibited modest growth, occupancy expense saw an uptick due to the opening of our newest locations in Naples and Jupiter, Florida. In the second quarter of 2022, there was a gain of $400,000 from the sale of the Riverwalk bank building in Fort Myers, Florida. As a result, the second quarter non-interest expense was decreased by $400,000. Additionally, the FDIC increased deposit insurance assessment rates for all banks by 2 basis points, increasing the expense from Q2 2022 by $475,000. The increase in assessment rate schedules is intended to increase the likelihood that the reserve ratio of the Deposit Insurance Fund (DIF) reaches the statutory minimum of 1.35 percent by the statutory deadline of September 30, 2028.
截至2023年6月30日的季度,非利息支出增至1,940万美元,较2022年第二季度的1,770万美元增长了10%。虽然工资和员工福利支出显示出温和的增长,但由于我们在那不勒斯和佛罗里达州朱庇特开设的最新门店的开设,入住费出现了上升。2022年第二季度,出售佛罗里达州迈尔斯堡的Riverway银行大楼获得了40万美元的收益。因此,第二季度的非利息支出减少了40万美元。此外,FDIC将所有银行的存款保险评估利率提高了2个基点,从2022年第二季度起支出增加了47.5万美元。提高评估费率的时间表旨在增加存款保险基金(DIF)的准备金率在2028年9月30日的法定最后期限前达到1.35%的法定最低水平的可能性。
Balance Sheet Highlights
资产负债表亮点
Despite the rising interest rate environment, loan production totaled $237 million for the quarter, compared to $279 million in Q2 of last year, resulting in net loans of $2.4 billion, compared to $2.1 billion at June 30, 2022. Deposits experienced a year-over-year decrease of 11% or $314 million compared to June 30, 2022. As previously mentioned, the decline is due to more than $684 million being redirected to our investment area to acquire higher yielding Treasury bills for our clients. Deposits totaled $2.64 billion, compared to $2.95 billion a year ago. The bond portfolio continues to decline as bonds mature and are not reinvested. The resulting cash flow will be utilized to reduce existing borrowings, enhance cash levels, and fund loans. In the second quarter of 2023, short-term borrowings increased to $655 million to augment our on-balance sheet liquidity levels and reduce the balance sheet exposure to rising interest rates. The majority of this increase is a result of FineMark taking advantage of the Fed's Bank Term Funding Program, which provides financial institutions an additional source of liquidity at favorable terms for up to one year.
尽管利率环境上升,该季度的贷款总额为2.37亿美元,而去年第二季度为2.79亿美元,导致净贷款为24亿美元,而截至2022年6月30日的贷款净额为21亿美元。与2022年6月30日相比,存款同比下降11%,即3.14亿美元。如前所述,下降的原因是超过6.84亿美元被重新定向到我们的投资领域,为我们的客户购买收益率更高的国库券。存款总额为26.4亿美元,而一年前为29.5亿美元。随着债券到期,债券投资组合继续下降,不再进行再投资。由此产生的现金流将用于减少现有借款,提高现金水平,并为贷款提供资金。2023年第二季度,短期借款增加到6.55亿美元,以增加我们的资产负债表内流动性水平,并减少资产负债表上利率上升的风险敞口。这一增长的主要原因是FineMark利用了美联储的银行定期融资计划,该计划以优惠的条件为金融机构提供了长达一年的额外流动性来源。
Credit Quality
信用质量
FineMark maintains its commitment to maintaining high credit standards and pristine asset quality through a tailored and relationship-centered approach to lending. Our loan decisions are based on a comprehensive understanding of each borrower's needs and unique financial situation, resulting in minimal loan defaults spanning various economic conditions.
FineMark坚持其承诺,通过量身定做和以关系为中心的贷款方式,维持较高的信用标准和原始资产质量。我们的贷款决策是基于对每个借款人的需求和独特的财务状况的全面了解,从而最大限度地减少各种经济条件下的贷款违约。
As of June 30, 2023, non-performing loans amounted to $2.1 million, representing 0.09% of total loans. This marks an increase from $706 thousand or 0.03% of total loans in the second quarter of 2022. The rise can be attributed to the default of one borrower. We do not expect any losses associated with the existing non-accrual loans. The current allowance for credit losses stands at $24.2 million, equivalent to .98% of gross loans.
截至2023年6月30日,不良贷款达210万美元,占总贷款的0.09%。这标志着与2022年第二季度的70.6万美元或总贷款的0.03%相比有所增加。这一上升可以归因于一个借款人的违约。我们预计不会有任何与现有非应计贷款相关的损失。目前的信贷损失拨备为2,420万美元,相当于贷款总额的0.98%。
Capital
资本
FineMark's capital ratios continue to exceed regulatory requirements for "well-capitalized" banks. On June 30, 2023, FineMark's Tier 1 leverage ratio, on a consolidated basis, stood at 8.77%, while the total risk-based capital ratio was 18.16%. Additionally, the tangible equity to assets ratio reached 7.16% after deducting the net unrealized loss from Tier 1 capital to average assets. Rising interest rates in the past year led to a net unrealized loss of $69 million on the Bank's investment portfolio. This is a direct result of the rapid increase in rates rather than a reflection of bond credit quality. Given the short duration of the portfolio of 2.6 years, we anticipate these losses will likely remain unrealized and will continue to decline as bonds mature.
FineMark的资本充足率继续超过监管机构对“资本充足”银行的要求.2023年6月30日,FineMark的综合一级杠杆率为8.77%,而基于风险的总资本比率为18.16%。此外,在扣除一级资本对平均资产的未实现净亏损后,有形股本对资产的比率达到7.16%。过去一年利率上升导致世行投资组合出现6900万美元的未实现净亏损。这是利率快速上升的直接结果,而不是债券信用质量的反映。鉴于投资组合的持续时间较短,只有2.6年,我们预计这些亏损可能仍未实现,并将随着债券到期而继续下降。
Closing Remarks from Chairman & Chief Executive Officer, Joseph R. Catti
董事长兼首席执行官约瑟夫·R·卡蒂致闭幕词
We take great pride in our commitment to exceptional service, growth, and stability, even amidst an ever-changing economic landscape. FineMark stands as a trusted partner in these uncertain times. As we move forward, we remain unwavering in our promise to provide unparalleled service to our clients, while bolstering our investment in our associates and technological advancements that will help us work more efficiently and effectively. On behalf of the entire FineMark team, I want to thank our clients and shareholders for their continued support and dedication to our vision.
我们对我们致力于卓越的服务、增长和稳定感到非常自豪,即使在不断变化的经济格局中也是如此。在这个不确定的时期,FineMark是值得信赖的合作伙伴。在我们前进的过程中,我们将坚定不移地承诺为客户提供无与伦比的服务,同时加强对员工的投资和技术进步,以帮助我们更高效地工作。我想代表整个FineMark团队感谢我们的客户和股东对我们愿景的持续支持和奉献。
CONTACT:
Ryan Roberts
Investor Relations
239-461-3850
investorrelations@finemarkbank.com
8695 College Pkwy Suite 100
Fort Myers, FL 33919
联系方式:
瑞安·罗伯茨
投资者关系
239-461-3850
邮箱:InvestorRelationship@finemarkbank.com
8695学院Pkwy套房100
佛罗里达州迈尔斯堡,邮编:33919
website:
网站:
Background
背景
FineMark Holdings, Inc. is the parent company of FineMark National Bank & Trust. Founded in 2007, FineMark National Bank & Trust is a nationally chartered bank, headquartered in Florida. Through its offices located in Florida, Arizona and South Carolina, FineMark offers a full range of financial services, including personal and business banking, lending services, trust, and investment services. The Corporation's common stock trades on the OTCQX under the symbol FNBT. Investor information is available on the Corporation's website at .
FineMark控股公司是FineMark National Bank&Trust的母公司。FineMark National Bank&Trust成立于2007年,是一家全国性特许银行,总部设在佛罗里达州。通过其在佛罗里达州、亚利桑那州和南卡罗来纳州的办事处,FineMark提供全方位的金融服务,包括个人和商业银行、贷款服务、信托和投资服务。该公司的普通股在OTCQX市场交易,代码为FNBT。投资者资料可于该公司网站查阅,网址为。
Forward-Looking Statements
前瞻性陈述
This press release contains statements that are "forward-looking statements." You can identify forward-looking statements by the use of the words "believe," "expect," "anticipate," "intend," "estimate," "assume," "outlook," "will," "should," and other expressions that predict or indicate future events and trends, and which do not relate to historical matters. You should not rely on forward-looking statements because they involve known and unknown risks, uncertainties, and other factors, some of which are beyond our control. These risks, uncertainties, and other factors may cause our actual results, performance or achievements to be materially different from the anticipated future results, performance or achievements expressed or implied by the forward-looking statements.
本新闻稿包含“前瞻性陈述”。您可以通过使用“相信”、“预期”、“预期”、“打算”、“估计”、“假定”、“展望”、“将”、“应该”以及其他预测或指示未来事件和趋势的词语来识别前瞻性陈述,这些词语与历史事件和趋势无关。您不应依赖前瞻性陈述,因为它们涉及已知和未知的风险、不确定性和其他因素,其中一些是我们无法控制的。这些风险、不确定因素和其他因素可能导致我们的实际结果、表现或成就与前瞻性陈述中明示或暗示的预期未来结果、表现或成就大不相同。
Some of the factors that might cause these differences include: weakness in national, regional or international economic conditions or conditions affecting the banking or financial services industries or financial capital markets; volatility in national and international financial markets; reductions in net interest income resulting from interest rate volatility as well as changes in the balance and mix of loans and deposits; reductions in the market value or outflows of assets under administration; changes in the value of securities and other assets; reductions in loan demand; changes in loan collectability, default and charge-off rates; changes in the size and nature of our competition; changes in legislation or regulation and accounting principles, policies and guidelines; occurrences of cyber-attacks, hacking and identity theft; natural disasters; and changes in the assumptions used in making such forward-looking statements. You should carefully review all of these factors, and you should be aware that there might be other factors that could cause these differences.
可能造成这些差异的一些因素包括:国家、区域或国际经济状况或影响银行业或金融服务业或金融资本市场的状况的疲软;国内和国际金融市场的波动;利率波动导致的净利息收入减少以及贷款和存款的余额和组合的变化;受管理资产的市值减少或流出;证券和其他资产的价值变化;贷款需求减少;贷款可收回率、违约率和冲销率的变化;我们竞争的规模和性质的变化;立法或监管以及会计原则、政策和准则的变化;发生网络攻击、黑客攻击和身份盗窃;自然灾害;以及做出此类前瞻性陈述时使用的假设发生变化。您应该仔细检查所有这些因素,并且您应该意识到可能还有其他因素会导致这些差异。
These forward-looking statements were based on information, plans and estimates at the date of this report. We assume no obligation to update any forward-looking statements to reflect changes in underlying assumptions or factors, new information, future events or other changes.
这些前瞻性陈述是以本报告日期的信息、计划和估计为基础的。我们没有义务更新任何前瞻性陈述,以反映潜在假设或因素、新信息、未来事件或其他变化的变化。
FINEMARK HOLDINGS, INC. AND SUBSIDIARIES
Consolidated Balance Sheets
($ in thousands, except share amounts)
FINEMARK控股公司及附属公司
合并资产负债表
(千美元,不包括股份金额)
June 30, | December 31, | |||||||
Assets |
2023 | 2022 | ||||||
(Unaudited) | ||||||||
Cash and due from banks |
$ | 74,110 | 18,374 | |||||
Debt securities available for sale |
1,001,037 | 1,020,612 | ||||||
Debt securities held to maturity |
91,070 | 93,369 | ||||||
Loans, net of allowance for credit losses of $24,164 in 2023 and $23,168 in 2022 |
2,446,065 | 2,228,236 | ||||||
Federal Home Loan Bank stock |
10,914 | 13,859 | ||||||
Federal Reserve Bank stock |
6,318 | 6,277 | ||||||
Premises and equipment, net |
41,061 | 41,009 | ||||||
Operating lease right-of-use assets |
11,872 | 12,825 | ||||||
Accrued interest receivable |
11,145 | 10,220 | ||||||
Deferred tax asset |
27,659 | 29,955 | ||||||
Bank-owned life insurance |
72,703 | 72,138 | ||||||
Other assets |
8,376 | 7,496 | ||||||
Total assets |
$ | 3,802,330 | 3,554,370 | |||||
Liabilities and Shareholders' Equity |
||||||||
Liabilities: |
||||||||
Noninterest-bearing demand deposits |
693,020 | 652,671 | ||||||
Savings, NOW and money-market deposits |
1,880,487 | 2,122,561 | ||||||
Time deposits |
64,161 | 43,259 | ||||||
Total deposits |
2,637,668 | 2,818,491 | ||||||
Official checks |
12,829 | 13,312 | ||||||
Other borrowings |
608,092 | 118,444 | ||||||
Federal Home Loan Bank advances |
215,000 | 286,100 | ||||||
Operating lease liabilities |
11,991 | 12,900 | ||||||
Subordinated debt |
27,458 | 33,545 | ||||||
Other liabilities |
13,775 | 11,271 | ||||||
Total liabilities |
3,526,813 | 3,294,063 | ||||||
Shareholders' equity: |
||||||||
Common stock, $.01 par value 50,000,000 shares authorized, |
||||||||
11,898,165 and 11,773,050 shares issued and outstanding in 2023 and 2022 |
119 | 118 | ||||||
Additional paid-in capital |
213,546 | 210,953 | ||||||
Retained earnings |
131,321 | 127,514 | ||||||
Accumulated other comprehensive loss |
(69,469 | ) | (78,278 | ) | ||||
Total shareholders' equity |
275,517 | 260,307 | ||||||
Total liabilities and shareholders' equity |
$ | 3,802,330 | 3,554,370 | |||||
Book Value per Share |
$ | 23.16 | 22.11 |
6月30日, | 十二月三十一日, | |||||||
资产 |
2023年 | 2022 | ||||||
(未经审计) | ||||||||
现金和银行到期款项 |
$ | 74,110 | 18,374 | |||||
可供出售的债务证券 |
1,001,037 | 1020,612 | ||||||
持有至到期的债务证券 |
91,070 | 93,369 | ||||||
贷款,扣除信贷损失准备,2023年为24164美元,2022年为23168美元 |
2446,065 | 2228236 | ||||||
联邦住房贷款银行股票 |
10,914 | 13,859 | ||||||
美国联邦储备银行股票 |
6,318 | 6,277 | ||||||
房舍和设备,净额 |
41,061 | 41,009 | ||||||
经营性租赁使用权资产 |
11,872 | 12,825 | ||||||
应计应收利息 |
11,145 | 10,220 | ||||||
递延税项资产 |
27,659 | 29,955 | ||||||
银行拥有的人寿保险 |
72,703 | 72,138 | ||||||
其他资产 |
8376 | 7,496 | ||||||
总资产 |
$ | 3802,330 | 3,554,370 | |||||
负债与股东权益 |
||||||||
负债: |
||||||||
无息活期存款 |
693,020 | 652,671 | ||||||
储蓄、现在和货币市场存款 |
1880,487 | 2,122,561 | ||||||
定期存款 |
64,161 | 43,259 | ||||||
总存款 |
2637668 | 2818,491 | ||||||
官方支票 |
12,829 | 13,312 | ||||||
其他借款 |
608,092 | 118,444 | ||||||
联邦住房贷款银行预付款 |
215,000人 | 286,100 | ||||||
经营租赁负债 |
11,991 | 12,900 | ||||||
次级债务 |
27,458 | 33,545 | ||||||
其他负债 |
13,775 | 11,271 | ||||||
总负债 |
3526,813 | 3,294,063 | ||||||
股东权益: |
||||||||
普通股,面值0.01美元,授权50,000,000股, |
||||||||
2023年和2022年分别发行和发行了11,898,165股和11,773,050股 |
119 | 一百一十八 | ||||||
额外实收资本 |
213,546 | 210,953 | ||||||
留存收益 |
131,321 | 127,514 | ||||||
累计其他综合损失 |
(69,469 | ) | (78278) | ) | ||||
股东权益总额 |
275,517 | 260,307 | ||||||
总负债和股东权益 |
$ | 3802,330 | 3,554,370 | |||||
每股账面价值 |
$ | 23.16 | 22.11 |
FINEMARK HOLDINGS, INC. AND SUBSIDIARIES
Consolidated Statements of Earnings (Unaudited)
($ in thousands, except per share amounts)
FINEMARK控股公司及附属公司
合并损益表(未经审计)
(千美元,每股除外)
Three Months Ended | Six Months Ended | |||||||||||||||
June 30, | June 30, | |||||||||||||||
2023 | 2022 | 2023 | 2022 | |||||||||||||
Interest income: |
||||||||||||||||
Loans |
$ | 27,134 | 18,145 | $ | 51,592 | 35,177 | ||||||||||
Debt securities |
4,368 | 3,762 | 8,183 | 7,272 | ||||||||||||
Dividends on Federal Home Loan Bank stock |
253 | 100 | 571 | 217 | ||||||||||||
Other |
1,930 | 94 | 2,263 | 146 | ||||||||||||
Total interest income |
33,685 | 22,101 | 62,609 | 42,812 | ||||||||||||
Interest expense: |
||||||||||||||||
Deposits |
12,344 | 1,784 | 22,475 | 2,775 | ||||||||||||
Federal Home Loan Bank advances |
2,991 | 1,389 | 6,085 | 3,029 | ||||||||||||
Subordinated debt |
492 | 542 | 983 | 1,083 | ||||||||||||
Other borrowings |
5,059 | - | 5,568 | - | ||||||||||||
Total interest expense |
20,886 | 3,715 | 35,111 | 6,887 | ||||||||||||
Net interest income |
12,799 | 18,386 | 27,498 | 35,925 | ||||||||||||
Credit loss (income) expense |
(23 | ) | 836 | 1,034 | 1,285 | |||||||||||
Net interest income after credit loss (income) expense |
12,822 | 17,550 | 26,464 | 34,640 | ||||||||||||
Noninterest income: |
||||||||||||||||
Trust fees |
7,347 | 6,752 | 13,920 | 13,750 | ||||||||||||
Income from bank-owned life insurance |
408 | 399 | 1,073 | 1,013 | ||||||||||||
Income from solar farms |
84 | 96 | 151 | 170 | ||||||||||||
Gain on extinguishment of debt |
534 | 1,226 | 534 | 1,844 | ||||||||||||
Other fees and service charges |
414 | 401 | 829 | 906 | ||||||||||||
Total noninterest income |
8,787 | 8,874 | 16,507 | 17,683 | ||||||||||||
Noninterest expenses: |
||||||||||||||||
Salaries and employee benefits |
11,555 | 11,386 | 23,147 | 21,887 | ||||||||||||
Occupancy |
2,499 | 1,991 | 4,948 | 3,899 | ||||||||||||
Information systems |
1,561 | 1,574 | 3,126 | 3,096 | ||||||||||||
Professional fees |
691 | 592 | 1,329 | 1,152 | ||||||||||||
Marketing and business development |
486 | 559 | 1,166 | 1,252 | ||||||||||||
Regulatory assessments |
876 | 439 | 1,244 | 895 | ||||||||||||
Other |
1,720 | 1,159 | 3,344 | 2,519 | ||||||||||||
Total noninterest expense |
19,388 | 17,700 | 38,304 | 34,700 | ||||||||||||
Earnings before income taxes |
2,221 | 8,724 | 4,667 | 17,623 | ||||||||||||
Income taxes |
391 | 1,747 | 832 | 3,774 | ||||||||||||
Net earnings |
$ | 1,830 | 6,977 | $ | 3,835 | 13,849 | ||||||||||
Weighted average common shares outstanding - basic |
11,905 | 11,740 | 11,863 | 11,698 | ||||||||||||
Weighted average common shares outstanding - diluted |
11,953 | 11,923 | 11,902 | 11,874 | ||||||||||||
Per share information: Basic earnings per common share |
$ | 0.15 | 0.59 | $ | 0.32 | 1.18 | ||||||||||
Diluted earnings per common share |
$ | 0.15 | 0.59 | $ | 0.32 | 1.17 |
截至三个月 | 截至六个月 | |||||||||||||||
6月30日, | 6月30日, | |||||||||||||||
2023年 | 2022 | 2023年 | 2022 | |||||||||||||
利息收入: |
||||||||||||||||
贷款 |
$ | 27,134 | 18,145 | $ | 51,592 | 35,177 | ||||||||||
债务证券 |
4368 | 3762 | 8,183 | 7272 | ||||||||||||
联邦住房贷款银行股票股息 |
二百五十三 | 100个 | 五百七十一 | 217 | ||||||||||||
其他 |
1930 | 94 | 2263 | 146 | ||||||||||||
利息收入总额 |
33,685 | 22,101 | 62,609 | 42,812 | ||||||||||||
利息支出: |
||||||||||||||||
存款 |
12,344 | 1,784 | 22,475 | 2775 | ||||||||||||
联邦住房贷款银行预付款 |
2991 | 1,389 | 6,085 | 3,029 | ||||||||||||
次级债务 |
四百九十二 | 542 | 983 | 1,083 | ||||||||||||
其他借款 |
5,059 | - | 5568 | - | ||||||||||||
利息支出总额 |
20,886 | 3715 | 35,111 | 6887 | ||||||||||||
净利息收入 |
12,799 | 18,386 | 27,498 | 35,925 | ||||||||||||
信用损失(收益)费用 |
(23) | ) | 836 | 1034 | 1,285 | |||||||||||
扣除信用损失(收益)费用后的净利息收入 |
12,822 | 17,550 | 26,464 | 34,640 | ||||||||||||
非利息收入: |
||||||||||||||||
信托费 |
7347 | 6752 | 13,920 | 13,750人 | ||||||||||||
银行自营寿险收入 |
四百零八 | 三九九 | 1,073 | 1,013 | ||||||||||||
太阳能发电场的收入 |
84 | 96 | 151 | 一百七十 | ||||||||||||
债务清偿收益 |
534 | 1226 | 534 | 1,844 | ||||||||||||
其他费用和服务费 |
四百一十四 | 四百零一 | 八百二十九 | 906 | ||||||||||||
非利息收入总额 |
8787 | 8874 | 16,507 | 17,683 | ||||||||||||
非利息支出: |
||||||||||||||||
薪酬和员工福利 |
11,555 | 11,386 | 23,147 | 21,887 | ||||||||||||
入住率 |
2499 | 1991 | 4948 | 3899 | ||||||||||||
信息系统 |
1,561 | 1,574 | 3,126 | 3,096 | ||||||||||||
专业费用 |
六百九十一 | 五百九十二 | 1,329 | 1,152 | ||||||||||||
市场营销和业务发展 |
四百八十六 | 559 | 1166 | 1252 | ||||||||||||
监管评估 |
876 | 439 | 1244 | 八百九十五 | ||||||||||||
其他 |
1720 | 1,159 | 3344 | 2519 | ||||||||||||
总非利息支出 |
19388 | 17,700 | 38,304 | 34,700 | ||||||||||||
所得税前收益 |
2221 | 8724 | 4667 | 17,623 | ||||||||||||
所得税 |
391 | 1,747 | 832 | 3774 | ||||||||||||
净收益 |
$ | 1830 | 6977 | $ | 3835 | 13,849 | ||||||||||
加权平均已发行普通股-基本 |
11,905 | 11,740 | 11,863 | 11,698 | ||||||||||||
加权平均已发行普通股-稀释后 |
11,953 | 11,923 | 11,902 | 11,874 | ||||||||||||
每股信息:普通股基本每股收益 |
$ | 0.15 | 0.59 | $ | 0.32 | 1.18 | ||||||||||
稀释后每股普通股收益 |
$ | 0.15 | 0.59 | $ | 0.32 | 1.17 |
FineMark Holdings, Inc.
Consolidated Financial Highlights
Second Quarter 2023
Unaudited
FineMark控股公司
综合财务亮点
2023年第二季度
未经审计
YTD | ||||||||||||||||||||||||||||
$ in thousands except for share data |
2nd Qtr 2023 | 1st Qtr 2023 | 4th Qtr 2022 | 3rd Qtr 2022 | 2nd Qtr 2022 | 2023 | 2022 | |||||||||||||||||||||
$ Earnings |
||||||||||||||||||||||||||||
Net Interest Income |
$ | 12,799 | 14,699 | 15,889 | 18,079 | 18,386 | 27,498 | 35,925 | ||||||||||||||||||||
Credit Loss Expense |
$ | (23 | ) | 1,057 | 1,039 | 121 | 836 | 1,034 | 1,285 | |||||||||||||||||||
Non-interest Income (excl. gains and losses) |
$ | 8,253 | 7,720 | 7,224 | 7,342 | 7,648 | 15,973 | 15,839 | ||||||||||||||||||||
Gain on sale of debt securities available for sale |
$ | - | - | - | - | - | - | - | ||||||||||||||||||||
Gain (loss) on debt extinguishment |
$ | 534 | - | - | 505 | 1,226 | 534 | 1,844 | ||||||||||||||||||||
Gain on termination of swap |
$ | - | - | - | - | - | - | - | ||||||||||||||||||||
Non-interest Expense |
$ | 19,388 | 18,916 | 18,011 | 18,660 | 17,700 | 38,304 | 34,700 | ||||||||||||||||||||
Earnings before income taxes |
2,221 | 2,446 | 4,063 | 7,145 | 8,724 | 4,667 | 17,623 | |||||||||||||||||||||
Income Taxes |
$ | 391 | 441 | 933 | 1,757 | 1,747 | 832 | 3,774 | ||||||||||||||||||||
Net Earnings |
$ | 1,830 | 2,005 | 3,130 | 5,388 | 6,977 | 3,835 | 13,849 | ||||||||||||||||||||
Basic earnings per share |
$ | 0.15 | 0.17 | 0.27 | 0.46 | 0.59 | 0.32 | 1.18 | ||||||||||||||||||||
Diluted earnings per share |
$ | 0.15 | 0.17 | 0.26 | 0.45 | 0.59 | 0.32 | 1.17 | ||||||||||||||||||||
Performance Ratios |
||||||||||||||||||||||||||||
Return on average assets* |
0.19 | % | 0.22 | % | 0.36 | % | 0.62 | % | 0.80 | % | 0.21 | % | 0.80 | % | ||||||||||||||
Return on risk weighted assets* |
0.34 | % | 0.39 | % | 0.63 | % | 1.12 | % | 1.43 | % | 0.35 | % | 1.42 | % | ||||||||||||||
Return on average equity* |
2.63 | % | 3.01 | % | 4.92 | % | 7.97 | % | 10.28 | % | 2.81 | % | 9.70 | % | ||||||||||||||
Yield on earning assets* |
3.68 | % | 3.39 | % | 3.17 | % | 2.92 | % | 2.66 | % | 3.54 | % | 2.61 | % | ||||||||||||||
Cost of funds* |
2.36 | % | 1.74 | % | 1.27 | % | 0.76 | % | 0.46 | % | 2.06 | % | 0.44 | % | ||||||||||||||
Net Interest Margin* |
1.40 | % | 1.75 | % | 1.90 | % | 2.16 | % | 2.22 | % | 1.57 | % | 2.19 | % | ||||||||||||||
Efficiency ratio |
89.82 | % | 84.37 | % | 77.93 | % | 71.98 | % | 64.93 | % | 88.10 | % | 64.73 | % | ||||||||||||||
Capital |
||||||||||||||||||||||||||||
Tier 1 leverage capital ratio |
8.77 | % | 9.23 | % | 9.36 | % | 9.35 | % | 9.16 | % | 8.77 | % | 9.16 | % | ||||||||||||||
Common equity risk-based capital ratio |
15.80 | % | 16.45 | % | 17.01 | % | 17.41 | % | 16.81 | % | 15.80 | % | 16.81 | % | ||||||||||||||
Tier 1 risk-based capital ratio |
15.80 | % | 16.45 | % | 17.01 | % | 17.41 | % | 16.81 | % | 15.80 | % | 16.81 | % | ||||||||||||||
Total risk-based capital ratio |
18.16 | % | 19.23 | % | 19.86 | % | 20.30 | % | 20.03 | % | 18.16 | % | 20.03 | % | ||||||||||||||
Book value per share |
$ | 23.16 | $ | 23.61 | $ | 22.11 | $ | 21.81 | $ | 22.73 | $ | 23.16 | $ | 22.73 | ||||||||||||||
Tangible book value per share |
$ | 23.16 | $ | 23.61 | $ | 22.11 | $ | 21.81 | $ | 22.73 | $ | 23.16 | $ | 22.73 | ||||||||||||||
Asset Quality |
||||||||||||||||||||||||||||
Net (recoveries) charge-offs |
$ | (12 | ) | (10 | ) | (227 | ) | (176 | ) | (24 | ) | -22 | (37 | ) | ||||||||||||||
Net (recoveries) charge-offs to average total loans |
-0.00 | % | -0.00 | % | -0.01 | % | -0.01 | % | -0.00 | % | -0.00 | % | -0.00 | % | ||||||||||||||
Allowance for credit losses |
$ | 24,164 | 24,193 | 23,168 | 21,902 | 21,605 | 24,164 | 21,605 | ||||||||||||||||||||
Allowance to total loans |
0.98 | % | 1.03 | % | 1.03 | % | 1.02 | % | 1.01 | % | 0.98 | % | 1.01 | % | ||||||||||||||
Nonperforming loans |
$ | 2,122 | 1,215 | 730 | 692 | 706 | 2,122 | 706 | ||||||||||||||||||||
Other real estate owned |
$ | - | - | - | - | - | - | - | ||||||||||||||||||||
Nonperforming loans to total loans |
0.09 | % | 0.05 | % | 0.03 | % | 0.03 | % | 0.03 | % | 0.09 | % | 0.03 | % | ||||||||||||||
Nonperforming assets to total assets |
0.06 | % | 0.03 | % | 0.02 | % | 0.02 | % | 0.02 | % | 0.06 | % | 0.02 | % | ||||||||||||||
Loan Composition (% of Total Gross Loans) |
||||||||||||||||||||||||||||
1-4 Family |
48.5 | % | 48.8 | % | 49.0 | % | 50.2 | % | 49.5 | % | 48.5 | % | 49.5 | % | ||||||||||||||
Commercial Loans |
10.7 | % | 9.4 | % | 9.5 | % | 9.1 | % | 9.5 | % | 10.7 | % | 9.5 | % | ||||||||||||||
Commercial Real Estate |
25.3 | % | 26.3 | % | 24.4 | % | 24.1 | % | 24.3 | % | 25.3 | % | 24.3 | % | ||||||||||||||
Construction Loans |
8.3 | % | 7.9 | % | 9.0 | % | 8.3 | % | 8.5 | % | 8.3 | % | 8.5 | % | ||||||||||||||
Other Loans |
7.2 | % | 7.6 | % | 8.1 | % | 8.3 | % | 8.2 | % | 7.2 | % | 8.2 | % | ||||||||||||||
End of Period Balances |
||||||||||||||||||||||||||||
Assets |
$ | 3,802,330 | 3,784,609 | 3,554,370 | 3,455,462 | 3,527,841 | 3,802,330 | 3,527,841 | ||||||||||||||||||||
Debt securities |
$ | 1,092,107 | 1,099,613 | 1,113,981 | 1,129,272 | 1,164,449 | 1,092,107 | 1,164,449 | ||||||||||||||||||||
Loans, net of allowance |
$ | 2,446,065 | 2,325,912 | 2,228,236 | 2,125,751 | 2,115,137 | 2,446,065 | 2,115,137 | ||||||||||||||||||||
Deposits |
$ | 2,637,668 | 2,868,954 | 2,818,491 | 2,919,206 | 2,951,656 | 2,637,668 | 2,951,656 | ||||||||||||||||||||
Other borrowings |
$ | 608,092 | 106,253 | 118,444 | 40,760 | 2,543 | 608,092 | 2,543 | ||||||||||||||||||||
Subordinated Debt |
$ | 27,458 | 33,626 | 33,545 | 33,483 | 40,961 | 27,458 | 40,961 | ||||||||||||||||||||
FHLB Advances |
$ | 215,000 | 470,000 | 286,100 | 175,000 | 240,000 | 215,000 | 240,000 | ||||||||||||||||||||
Shareholders' Equity |
$ | 275,517 | 279,547 | 260,307 | 256,348 | 266,800 | 275,517 | 266,800 | ||||||||||||||||||||
Trust and Investment |
||||||||||||||||||||||||||||
Fee Income |
$ | 7,347 | 6,573 | 6,390 | 6,477 | 6,752 | 13,920 | 13,750 | ||||||||||||||||||||
Assets Under Administration |
||||||||||||||||||||||||||||
Balance at beginning of period |
$ | 6,435,562 | 5,944,772 | 5,392,768 | 5,464,847 | 6,009,657 | 5,944,772 | 6,200,406 | ||||||||||||||||||||
Net investment appreciation (depreciation) & income |
$ | 60,789 | 175,566 | 314,992 | (204,456 | ) | (684,277 | ) | 236,355 | (1,079,401 | ) | |||||||||||||||||
Net client asset flows |
$ | 200,658 | 315,224 | 237,012 | 132,377 | 139,467 | 515,882 | 343,842 | ||||||||||||||||||||
Balance at end of period |
$ | 6,697,009 | 6,435,562 | 5,944,772 | 5,392,768 | 5,464,847 | 6,697,009 | 5,464,847 | ||||||||||||||||||||
Percentage of AUA that are managed |
87.79 | % | 87.58 | % | 88.08 | % | 87.99 | % | 87.88 | % | 87.79 | % | 87.88 | % | ||||||||||||||
Stock Valuation |
||||||||||||||||||||||||||||
Closing Market Price (OTCQX) |
$ | 23.30 | 28.15 | 29.75 | 29.25 | 29.05 | $ | 23.30 | $ | 29.05 | ||||||||||||||||||
Multiple of Tangible Book Value |
1.01 | 1.19 | 1.35 | 1.3 | 1.3 | $ | 1.01 | $ | 1.3 | |||||||||||||||||||
*annualized |
黄大仙 | ||||||||||||||||||||||||||||
$(以千为单位),共享数据除外 |
2023年第二季度 | 2023年第一季度 | 2022年第四季度 | 2022年第三季度 | 2022年第二季度 | 2023年 | 2022 | |||||||||||||||||||||
$收入 |
||||||||||||||||||||||||||||
净利息收入 |
$ | 12,799 | 14,699 | 15,889 | 18,079 | 18,386 | 27,498 | 35,925 | ||||||||||||||||||||
信用损失费用 |
$ | (23) | ) | 1,057 | 1,039 | 一百二十一 | 836 | 1034 | 1,285 | |||||||||||||||||||
非利息收入(不包括得失) |
$ | 8253 | 7720 | 7224 | 7342 | 7648 | 15,973 | 15,839 | ||||||||||||||||||||
出售可供出售的债务证券的收益 |
$ | - | - | - | - | - | - | - | ||||||||||||||||||||
债务清偿损益 |
$ | 534 | - | - | 五百零五 | 1226 | 534 | 1,844 | ||||||||||||||||||||
掉期终止时的收益 |
$ | - | - | - | - | - | - | - | ||||||||||||||||||||
非利息支出 |
$ | 19388 | 18916 | 18,011 | 18,660 | 17,700 | 38,304 | 34,700 | ||||||||||||||||||||
所得税前收益 |
2221 | 2446 | 4,063 | 7145 | 8724 | 4667 | 17,623 | |||||||||||||||||||||
所得税 |
$ | 391 | 四百四十一 | 933 | 1,757 | 1,747 | 832 | 3774 | ||||||||||||||||||||
净收益 |
$ | 1830 | 2005 | 3,130 | 5388 | 6977 | 3835 | 13,849 | ||||||||||||||||||||
基本每股收益 |
$ | 0.15 | 0.17 | 0.27 | 0.46 | 0.59 | 0.32 | 1.18 | ||||||||||||||||||||
稀释后每股收益 |
$ | 0.15 | 0.17 | 0.26 | 0.45 | 0.59 | 0.32 | 1.17 | ||||||||||||||||||||
绩效比率 |
||||||||||||||||||||||||||||
平均资产回报率* |
0.19 | 百分比 | 0.22 | 百分比 | 0.36 | 百分比 | 0.62 | 百分比 | 0.80 | 百分比 | 0.21 | 百分比 | 0.80 | 百分比 | ||||||||||||||
风险加权资产回报率* |
0.34 | 百分比 | 0.39 | 百分比 | 0.63 | 百分比 | 1.12 | 百分比 | 1.43 | 百分比 | 0.35 | 百分比 | 1.42 | 百分比 | ||||||||||||||
平均股本回报率* |
2.63 | 百分比 | 3.01 | 百分比 | 4.92 | 百分比 | 7.97 | 百分比 | 10.28 | 百分比 | 2.81 | 百分比 | 9.70 | 百分比 | ||||||||||||||
盈利资产的收益率* |
3.68 | 百分比 | 3.39 | 百分比 | 3.17 | 百分比 | 2.92 | 百分比 | 2.66 | 百分比 | 3.54 | 百分比 | 2.61 | 百分比 | ||||||||||||||
资金成本* |
2.36 | 百分比 | 1.74 | 百分比 | 1.27 | 百分比 | 0.76 | 百分比 | 0.46 | 百分比 | 2.06 | 百分比 | 0.44 | 百分比 | ||||||||||||||
净息差* |
1.40 | 百分比 | 1.75 | 百分比 | 1.90 | 百分比 | 2.16 | 百分比 | 2.22 | 百分比 | 1.57 | 百分比 | 2.19 | 百分比 | ||||||||||||||
效率比 |
89.82 | 百分比 | 84.37 | 百分比 | 77.93 | 百分比 | 71.98 | 百分比 | 64.93 | 百分比 | 88.10 | 百分比 | 64.73 | 百分比 | ||||||||||||||
资本 |
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一级杠杆资本比率 |
8.77 | 百分比 | 9.23 | 百分比 | 9.36 | 百分比 | 9.35 | 百分比 | 9.16 | 百分比 | 8.77 | 百分比 | 9.16 | 百分比 | ||||||||||||||
普通股风险资本比率 |
15.80 | 百分比 | 16.45 | 百分比 | 17.01 | 百分比 | 17.41 | 百分比 | 16.81 | 百分比 | 15.80 | 百分比 | 16.81 | 百分比 | ||||||||||||||
一级风险资本充足率 |
15.80 | 百分比 | 16.45 | 百分比 | 17.01 | 百分比 | 17.41 | 百分比 | 16.81 | 百分比 | 15.80 | 百分比 | 16.81 | 百分比 | ||||||||||||||
基于风险的总资本比率 |
18.16 | 百分比 | 19.23 | 百分比 | 19.86 | 百分比 | 20.30 | 百分比 | 20.03 | 百分比 | 18.16 | 百分比 | 20.03 | 百分比 | ||||||||||||||
每股账面价值 |
$ | 23.16 | $ | 23.61 | $ | 22.11 | $ | 21.81 | $ | 22.73 | $ | 23.16 | $ | 22.73 | ||||||||||||||
每股有形账面价值 |
$ | 23.16 | $ | 23.61 | $ | 22.11 | $ | 21.81 | $ | 22.73 | $ | 23.16 | $ | 22.73 | ||||||||||||||
资产质量 |
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净(回收)冲销 |
$ | (12 | ) | (10 | ) | (227) | ) | (176 | ) | (24) | ) | -22 | (37) | ) | ||||||||||||||
净(回收)冲销与平均贷款总额之比 |
-0.00 | 百分比 | -0.00 | 百分比 | -0.01 | 百分比 | -0.01 | 百分比 | -0.00 | 百分比 | -0.00 | 百分比 | -0.00 | 百分比 | ||||||||||||||
信贷损失准备 |
$ | 24,164 | 24193 | 23,168 | 21,902 | 21,605 | 24,164 | 21,605 | ||||||||||||||||||||
贷款总额的免税额 |
0.98 | 百分比 | 1.03 | 百分比 | 1.03 | 百分比 | 1.02 | 百分比 | 1.01 | 百分比 | 0.98 | 百分比 | 1.01 | 百分比 | ||||||||||||||
不良贷款 |
$ | 2,122 | 1215 | 730 | 六百九十二 | 七百零六 | 2,122 | 七百零六 | ||||||||||||||||||||
拥有的其他房地产 |
$ | - | - | - | - | - | - | - | ||||||||||||||||||||
不良贷款占总贷款的比例 |
0.09 | 百分比 | 0.05 | 百分比 | 0.03 | 百分比 | 0.03 | 百分比 | 0.03 | 百分比 | 0.09 | 百分比 | 0.03 | 百分比 | ||||||||||||||
不良资产占总资产的比例 |
0.06 | 百分比 | 0.03 | 百分比 | 0.02 | 百分比 | 0.02 | 百分比 | 0.02 | 百分比 | 0.06 | 百分比 | 0.02 | 百分比 | ||||||||||||||
贷款构成(占贷款总额的百分比) |
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1-4个家庭 |
48.5 | 百分比 | 48.8 | 百分比 | 49.0 | 百分比 | 50.2 | 百分比 | 49.5 | 百分比 | 48.5 | 百分比 | 49.5 | 百分比 | ||||||||||||||
商业贷款 |
10.7 | 百分比 | 9.4 | 百分比 | 9.5 | 百分比 | 9.1 | 百分比 | 9.5 | 百分比 | 10.7 | 百分比 | 9.5 | 百分比 | ||||||||||||||
商业地产 |
25.3 | 百分比 | 26.3 | 百分比 | 24.4 | 百分比 | 24.1 | 百分比 | 24.3 | 百分比 | 25.3 | 百分比 | 24.3 | 百分比 | ||||||||||||||
建筑贷款 |
8.3 | 百分比 | 7.9 | 百分比 | 9.0 | 百分比 | 8.3 | 百分比 | 8.5 | 百分比 | 8.3 | 百分比 | 8.5 | 百分比 | ||||||||||||||
其他贷款 |
7.2 | 百分比 | 7.6 | 百分比 | 8.1 | 百分比 | 8.3 | 百分比 | 8.2 | 百分比 | 7.2 | 百分比 | 8.2 | 百分比 | ||||||||||||||
期末余额 |
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资产 |
$ | 3802,330 | 3784,609 | 3,554,370 | 3455,462 | 3527,841 | 3802,330 | 3527,841 | ||||||||||||||||||||
债务证券 |
$ | 1,092,107 | 1099,613 | 1113981 | 1,129,272 | 1164,449 | 1,092,107 | 1164,449 | ||||||||||||||||||||
扣除津贴后的贷款净额 |
$ | 2446,065 | 2325,912 | 2228236 | 2,125,751 | 2,115,137 | 2446,065 | 2,115,137 | ||||||||||||||||||||
存款 |
$ | 2637668 | 2868,954 | 2818,491 | 2919,206 | 2951,656 | 2637668 | 2951,656 | ||||||||||||||||||||
其他借款 |
$ | 608,092 | 106,253 | 118,444 | 40,760 | 2543 | 608,092 | 2543 | ||||||||||||||||||||
次级债务 |
$ | 27,458 | 33,626 | 33,545 | 33,483 | 40,961 | 27,458 | 40,961 | ||||||||||||||||||||
联邦住房金融局取得进展 |
$ | 215,000人 | 47万 | 286,100 | 175,000 | 24万 | 215,000人 | 24万 | ||||||||||||||||||||
股东权益 |
$ | 275,517 | 279,547 | 260,307 | 256,348 | 266,800 | 275,517 | 266,800 | ||||||||||||||||||||
信托与投资 |
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费用收入 |
$ | 7347 | 6573 | 6,390 | 6477 | 6752 | 13,920 | 13,750人 | ||||||||||||||||||||
受管理的资产 |
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期初余额 |
$ | 6435,562 | 5944,772 | 5392,768 | 5464,847 | 6009,657 | 5944,772 | 6,200,406 | ||||||||||||||||||||
净投资增值(折旧)和收益 |
$ | 60,789 | 175,566 | 314,992 | (204,456 | ) | (684,277) | ) | 236,355 | (1079,401 | ) | |||||||||||||||||
净客户资产流动 |
$ | 200,658 | 315,224 | 237,012 | 132,377 | 139,467 | 515,882 | 343,842 | ||||||||||||||||||||
期末余额 |
$ | 6697,009 | 6435,562 | 5944,772 | 5392,768 | 5464,847 | 6697,009 | 5464,847 | ||||||||||||||||||||
管理的AUA百分比 |
87.79 | 百分比 | 87.58 | 百分比 | 88.08 | 百分比 | 87.99 | 百分比 | 87.88 | 百分比 | 87.79 | 百分比 | 87.88 | 百分比 | ||||||||||||||
股票估值 |
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收市价(OTCQX) |
$ | 23.30 | 28.15 | 29.75 | 29.25 | 29.05 | $ | 23.30 | $ | 29.05 | ||||||||||||||||||
有形账面价值的倍数 |
1.01 | 1.19 | 1.35 | 1.3 | 1.3 | $ | 1.01 | $ | 1.3 | |||||||||||||||||||
*按年计算 |
SOURCE: FineMark Holdings, Inc.
资料来源:FineMark控股公司
译文内容由第三方软件翻译。