附件99.1
新闻发布 |
Trustmark公司宣布2021年第三季度财务业绩
业绩反映了资产负债表的持续增长,强劲的信贷质量
和纪律严明的费用管理
杰克逊,密西西比州。-2021年10月26日-Trustmark Corporation(NASDAQGS:TRMK)公布2021年第三季度净收入为2120万美元,稀释后每股收益为0.34美元。第三季度的业绩包括之前宣布的自愿提前退休计划的成本,该计划使净收入减少了430万美元,或稀释后每股约0.07美元。该季度的业绩还包括之前披露的一项费用,以解决监管机构对公平贷款问题的指控,这使净收入减少了500万美元,或每股稀释后收益约0.08美元。Trustmark董事会宣布,每股0.23美元的季度现金股息将于2021年12月15日支付给2021年12月1日登记在册的股东。
第三季度亮点
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自愿提前退休计划导致第三季度一次性税前费用为570万美元;预计2021年剩余时间税前节省约130万美元,2022年税前节省约430万美元 |
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用于投资的贷款(HFI)增加了2200万美元,反映出本季度回报加快,而存款与上一季度相比增加了2.908亿美元 |
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投资证券在第三季度增加了4.708亿美元,因为过剩的流动性得到了部署 |
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信贷损失准备金净额为负350万美元,反映了信贷损失预期的改善。 |
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调整后的非利息支出总额为1.166亿美元,环比增长0.3%;请参阅综合财务信息,附注10-非GAAP财务衡量标准 |
总裁兼首席执行官杜安·A·杜威(Duane A.Dewey)说:“我们在第三季度在整个组织内取得了重大进展,这体现在资产负债表的持续增长、强劲的信贷质量和纪律严明的费用管理上。我们的员工专注于扩大客户关系,这反映在我们银行、保险和财富管理业务的稳健表现上。
我们第三季度的业绩受到了我们之前宣布的与监管机构达成和解的影响,这些和解是为了解决我们田纳西州孟菲斯市场上的公平贷款指控。我们达成这些和解协议是为了避免旷日持久的诉讼分散注意力,因为我们的共同目标是打破住房融资障碍,探索创新方法,帮助服务不足地区的居民实现拥有住房的梦想。我们的季度业绩还反映了与我们的自愿提前退休计划相关的成本,该计划被98名员工接受,占我们员工总数的3.6%。大家可能还记得,我们在2020年第一季度也有一项自愿提前退休计划,有107名员工(占当时员工总数的3.8%)选择参加。总体而言,这些计划为重新设计工作流程和重组组织提供了更多机会,以利用对技术的投资并提高效率。“
资产负债表管理
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HFI贷款总额为102亿美元,比前一季度增长0.2%,同比增长3.3%。 |
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投资证券总额为35亿美元,较前一季度增长15.8%,同比增长36.2% |
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无息存款增加5.409亿美元,或12.2%相连季度 |
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保持强劲的资本状况,CET1比率为11.68%,总风险资本比率为14.01% |
截至2021年9月30日,HFI的贷款总额为102亿美元,与去年同期相比增加了2,200万美元,增幅为0.2%,同比增长3.272亿美元,增幅为3.3%。与此相关的季度增长主要反映了由非农、非住宅物业和1-4个家庭抵押贷款担保的贷款的增加,这些贷款在很大程度上被建筑贷款、其他房地产担保贷款和市政贷款的下降所抵消。Trustmark的贷款组合仍然按贷款类型和地域进行了很好的多元化。
截至2021年9月30日,存款总额为149亿美元,较前一季度增加2.908亿美元,增幅为2.0%,同比增长17亿美元,增幅为12.9%。Trustmark继续保持强劲的流动性状况,截至2021年9月30日,HFI贷款占总存款的68.2%。截至第三季末,无息存款占存款总额的33.4%。第三季有息存款成本总计0.14%,较前季减少5个基点。2021年第三季度有息负债总成本为0.21%,较上一季度减少4个基点。
第三季度,Trustmark回购了970万美元,约占其普通股的31.9万股。在截至2021年9月30日的9个月中,Trustmark回购了3460万美元,约占其普通股的110万股。截至2021年9月30日,根据其现有的股票回购计划,Trustmark拥有6540万美元的剩余权力,该计划将于2021年12月31日到期。回购计划将继续通过公开市场回购或私下协商的交易实施,该计划取决于市场状况和管理层的裁量权。截至2021年9月30日,Trustmark的有形权益与有形资产比率为8.12%,而其基于风险的总资本比率为14.01%。
信用质量
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信贷损失拨备(Acl)占非应计贷款的520.77,不包括截至2021年9月30日的单独评估贷款。 |
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第三季度回收比冲销高出250万美元 |
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截至2021年9月30日,新冠肺炎相关特许权下剩余的贷款约占HFI贷款的20个基点 |
截至2021年9月30日,非权责发生贷款总额为6620万美元,比上一季度增加1480万美元,同比增加1240万美元。其他房地产贷款总额为620万美元,比前一季度减少320万美元,同比减少1000万美元。截至2021年9月30日,不良资产总额为7250万美元,相关季度增加1160万美元,同比增加230万美元。
第三季度HFI贷款的信贷损失拨备为负250万美元,这主要是由于信贷质量和经济预测的改善。第三季度表外信贷敞口的信贷损失准备金为负100万美元,主要是由于适用于贷款组合中无资金部分的总准备金利率下降所致。总的来说,第三季度信贷损失拨备总额为负350万美元,而上一季度的支出为53万7千美元,2020年第三季度为负120万美元。
Trustmark的1.041亿美元贷款信贷损失拨备HFI占商业贷款的1.05%,占消费者和住房抵押贷款的0.91%,导致截至2021年9月30日的总贷款HFI拨备为1.02%。管理层认为,ACL的水平与贷款组合目前预计的信贷损失相称。
创收
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不包括Paycheck Protection Program(PPP)利息和费用,净利息收入(FTE)增加290万美元,或2.9%,与季度挂钩 |
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非利息收入总计5410万美元,占第三季度总收入的35.5% |
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抵押贷款银行营收总计1400万美元,第三季度营收为7.088亿美元 |
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存款账户的服务费增加了130万美元,或17.0%,关联季度 |
第三季营收总计1.524亿美元,较前季减少2,340万美元,或13.3%。第三季度,抵押贷款银行收入下降了330万美元,而第二季度的业绩包括可归因于出售PPP贷款的1860万美元的PPP贷款发放费。
第三季净利息收入(FTE)总计1.012亿美元,净息差为2.57%。不包括购买力平价贷款和联邦储备银行余额的净息差在第三季度总计2.90%,比上一季度减少了4个基点。持续的低利率降低了HFI贷款和持有待售投资组合以及证券投资组合的收益率,并被计息存款成本降低所部分抵消。
第三季度的非利息收入总计5410万美元,比上一季度减少了230万美元,比去年同期减少了1960万美元。与上一季度和去年同期相比的变化主要是由于抵押贷款银行收入下降。第三季度抵押贷款总额为7.088亿美元,较前一季度下降3.8%,同比下降20.0%。第三季度抵押贷款银行收入总计1400万美元,比前一季度减少330万美元,同比减少2240万美元。按季下跌的原因是息差减少,导致二手市场按揭贷款销售的净收益减少,以及对冲无效净额减少。
第三季度财富管理收入总计910万美元,比前一季度增加12.5万美元,增幅为1.4%,同比增长140万美元,增幅为18.1%。这一增长归因于信托和投资以及经纪业务的增加。第三季度保险收入总计1,210万美元,与上一季度持平,同比增长571000美元,增幅为4.9%,部分原因是财产和伤亡佣金增加。存款账户的服务费比上一季度增加了130万美元,增幅17.0%,同比增长130万美元,增幅17.6%。银行卡和其他费用比上一季度增加了24.8万美元,同比减少了29.4万美元。与上一季度和去年同期相比的变化可归因于客户衍生产品收入的水平。
非利息支出
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第三季度非利息支出总额为1.296亿美元,其中包括与自愿提前退休计划相关的570万美元一次性支出和500万美元的监管和解费用 |
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调整后的非利息支出,其中不包括无形资产的摊销,矿石支出,导致州税收抵免的慈善捐款,与自愿提前退休计划相关的成本和监管费用,第三季度总计1.166亿美元,比上一季度增长0.3%,同比增长1.8%;请参阅综合财务信息,注释10-非GAAP财务措施 |
Trustmark继续采取积极措施管理非利息支出。在第三季度,Trustmark完成了一项自愿提前退休计划。在那些有资格参加该计划的人中,98名员工(占劳动力的3.6%)选择提前退休。第三季度与这一计划相关的一次性税前费用为570万美元,反映了560万美元的工资和员工福利支出以及8.9万美元的其他支出。这一计划的结果预计将在2021年第四季度带来约130万美元的税前节省,并在2022年带来430万美元的税前节省。
第三季度调整后的非利息支出为1.166亿美元,比前一季度增加了38万4千美元,增幅为0.3%,同比增长200万美元,增幅为1.8%。工资和员工福利支出在挂钩季度增加了450万美元;不包括与自愿提前退休计划相关的560万美元费用,工资和员工福利支出在挂钩季度减少了110万美元。本季度其他总支出增加了540万美元,主要是由于监管和解费用。
展望未来,Trustmark将继续关注效率、增长和创新机会。我们继续重新设计工作流程和重组组织,以利用技术投资、增强客户体验和提高效率。我们专注于提供我们的客户所期待的服务和建议,同时为我们的股东创造长期价值。“
附加信息
正如之前宣布的那样,Trustmark将于2021年10月27日(星期三)上午8:30与分析师举行电话会议。中部时间讨论该公司的财务业绩。感兴趣的各方可以通过拨打(877)317-3051或点击我们网站(www.trustmark.com)投资者关系部分下提供的链接来收听电话会议。电话会议的重播将持续到2021年11月10日(星期三),也可以在同一网址以存档格式收看,或拨打密码为10160480的电话(8773447529)。
Trustmark是一家金融服务公司,通过在阿拉巴马州、佛罗里达州、密西西比州、田纳西州和德克萨斯州的180个办事处提供银行和金融解决方案。
前瞻性陈述
本文中包含的某些陈述属于1995年“私人证券诉讼改革法”所指的前瞻性陈述。您可以通过“可能”、“希望”、“将会”、“应该”、“预期”、“计划”、“预期”、“打算”、“相信”、“估计”、“预测”、“项目”、“潜在”、“寻求”、“继续”、“可能”等词语来识别前瞻性陈述。您应该仔细阅读包含这些词语的声明,因为它们讨论了我们对未来的期望或陈述了其他“前瞻性”信息。这些前瞻性声明包括但不限于与预期的未来运营和财务表现指标有关的声明,包括净息差、信用质量、业务计划、增长机会和增长率等,并包含任何估计、预测、预期、预测、意见、预期。这些前瞻性声明包括但不限于与预期的未来运营和财务表现指标有关的声明,包括净利差、信用质量、业务计划、增长机会和增长率等,并包含任何估计、预测、预期、预测、意见、预期。其中包含的展望或信念声明以及这些前瞻性声明背后的管理假设。您应该意识到,Trustmark提交给美国证券交易委员会(SEC)的文件中“风险因素”标题下描述的事件的发生可能会对我们的业务、运营结果和财务状况产生不利影响。如果这些风险中的一个或多个成为现实,或者任何此类潜在的假设被证明有重大不同,实际结果可能与预期、估计、预测或预期的结果大不相同。更重要的是,如果这些风险中的一个或多个成为现实,或者任何此类潜在的假设被证明与预期的、估计的、预测的或预期的大不相同,则实际结果可能与预期、估计、预测或预期的结果大不相同。此外,其中许多风险和不确定性目前被新型冠状病毒(新冠肺炎)大流行放大,并可能继续被放大,或在未来可能被放大。, 还取决于政府采取不同应对措施的有效性,以改善大流行对我们的客户和他们经营的经济体的影响。
可能导致实际结果与管理层当前预期大不相同的风险包括但不限于不良资产水平和减记水平的变化,失业率的上升和经济增长的放缓,我们管理新冠肺炎疫情对我们的市场和客户的影响的能力,以及联邦、州和地方政府和机构(包括联邦储备系统理事会)为减轻其蔓延和经济影响、地方、州和国家经济和市场状况而采取的行动的有效性。Trustmark所在地区的住房和房地产市场状况,以及当前信贷和金融市场波动的程度和持续时间,原油价格的水平和波动,我们衡量投资组合中资产公允价值的能力的变化,市场利率水平和/或波动的重大变化,
我们提供的产品和服务的表现和需求,包括从我们的存款账户中提取资金的水平和时间、诉讼的成本和影响以及诉讼中意外或不利的结果、我们吸引无息存款和其他低成本资金的能力、贷款和存款定价方面的竞争,以及通过新的扩张和收购进入我们的市场的新竞争对手的情况,经济状况,包括与欧洲金融体系相关的问题以及旨在解决信贷、证券和/或商品市场的货币和其他政府行动的潜在影响,以及立法的制定。会计准则和做法的变化,包括影响我们综合财务报表的现有准则解释的变化,消费者支出、借款和储蓄习惯的变化,技术变化,借款人财务状况或状况的变化,我们控制开支能力的变化,与收购或新产品和业务线整合相关的高于预期的成本或困难,网络攻击和其他可能影响我们信息系统安全的入侵,自然灾害,环境灾难,流行病或其他健康危机,战争或恐怖主义行为,以及我们提交的文件中描述的其他风险
虽然我们相信这些前瞻性陈述中反映的预期是合理的,但我们不能保证这些预期将被证明是正确的。除非法律要求,否则我们没有义务更新或修改任何此类信息,无论是由于新信息、未来事件或事态发展或其他原因。
Trustmark投资者联系人: |
Trustmark媒体联系人: |
托马斯·C·欧文斯 |
梅勒妮·A·摩根 |
司库和 |
高级副总裁 |
首席财务官 |
601-208-2979 |
601-208-7853 |
|
小约瑟夫·雷小山(F.Joseph Rein,Jr.)
高级副总裁
601-208-6898
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Trustmark公司及其子公司 |
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合并财务信息 |
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2021年9月30日 |
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(千美元) |
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(未经审计) |
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|
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链接的季度 |
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年复一年 |
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季度平均余额 |
9/30/2021 |
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6/30/2021 |
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9/30/2020 |
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$CHANGE |
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%变化 |
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$CHANGE |
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%变化 |
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|||||||
证券AFS-应税 |
$ |
2,686,765 |
|
|
$ |
2,339,662 |
|
|
$ |
1,857,050 |
|
|
$ |
347,103 |
|
|
|
14.8 |
% |
|
$ |
829,715 |
|
|
|
44.7 |
% |
证券AFS-免税 |
|
5,159 |
|
|
|
5,174 |
|
|
|
5,973 |
|
|
|
(15 |
) |
|
|
-0.3 |
% |
|
|
(814 |
) |
|
|
-13.6 |
% |
证券HTM-应税 |
|
401,685 |
|
|
|
441,688 |
|
|
|
608,585 |
|
|
|
(40,003 |
) |
|
|
-9.1 |
% |
|
|
(206,900 |
) |
|
|
-34.0 |
% |
证券HTM-免税 |
|
8,641 |
|
|
|
10,958 |
|
|
|
25,508 |
|
|
|
(2,317 |
) |
|
|
-21.1 |
% |
|
|
(16,867 |
) |
|
|
-66.1 |
% |
总证券 |
|
3,102,250 |
|
|
|
2,797,482 |
|
|
|
2,497,116 |
|
|
|
304,768 |
|
|
|
10.9 |
% |
|
|
605,134 |
|
|
|
24.2 |
% |
工资保障计划贷款(PPP) |
|
122,176 |
|
|
|
648,222 |
|
|
|
941,456 |
|
|
|
(526,046 |
) |
|
|
-81.2 |
% |
|
|
(819,280 |
) |
|
|
-87.0 |
% |
贷款(包括持有以供出售的贷款) |
|
10,389,826 |
|
|
|
10,315,927 |
|
|
|
10,162,379 |
|
|
|
73,899 |
|
|
|
0.7 |
% |
|
|
227,447 |
|
|
|
2.2 |
% |
联邦基金抛售和逆回购 |
|
69 |
|
|
|
55 |
|
|
|
301 |
|
|
|
14 |
|
|
|
25.5 |
% |
|
|
(232 |
) |
|
|
-77.1 |
% |
其他盈利资产 |
|
2,038,515 |
|
|
|
1,750,385 |
|
|
|
722,917 |
|
|
|
288,130 |
|
|
|
16.5 |
% |
|
|
1,315,598 |
|
|
N/m |
|
|
盈利资产总额 |
|
15,652,836 |
|
|
|
15,512,071 |
|
|
|
14,324,169 |
|
|
|
140,765 |
|
|
|
0.9 |
% |
|
|
1,328,667 |
|
|
|
9.3 |
% |
信贷损失准备金(ACL),持有的贷款 用于投资(LHFI) |
|
(104,857 |
) |
|
|
(112,346 |
) |
|
|
(121,842 |
) |
|
|
7,489 |
|
|
|
-6.7 |
% |
|
|
16,985 |
|
|
|
13.9 |
% |
其他资产 |
|
1,602,611 |
|
|
|
1,622,388 |
|
|
|
1,564,825 |
|
|
|
(19,777 |
) |
|
|
-1.2 |
% |
|
|
37,786 |
|
|
|
2.4 |
% |
总资产 |
$ |
17,150,590 |
|
|
$ |
17,022,113 |
|
|
$ |
15,767,152 |
|
|
$ |
128,477 |
|
|
|
0.8 |
% |
|
$ |
1,383,438 |
|
|
|
8.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
有息活期存款 |
$ |
4,224,717 |
|
|
$ |
4,056,910 |
|
|
$ |
3,669,249 |
|
|
$ |
167,807 |
|
|
|
4.1 |
% |
|
$ |
555,468 |
|
|
|
15.1 |
% |
储蓄存款 |
|
4,617,683 |
|
|
|
4,627,180 |
|
|
|
4,416,046 |
|
|
|
(9,497 |
) |
|
|
-0.2 |
% |
|
|
201,637 |
|
|
|
4.6 |
% |
定期存款 |
|
1,258,829 |
|
|
|
1,301,896 |
|
|
|
1,507,348 |
|
|
|
(43,067 |
) |
|
|
-3.3 |
% |
|
|
(248,519 |
) |
|
|
-16.5 |
% |
有息存款总额 |
|
10,101,229 |
|
|
|
9,985,986 |
|
|
|
9,592,643 |
|
|
|
115,243 |
|
|
|
1.2 |
% |
|
|
508,586 |
|
|
|
5.3 |
% |
联邦基金购买和回购 |
|
147,635 |
|
|
|
174,620 |
|
|
|
84,077 |
|
|
|
(26,985 |
) |
|
|
-15.5 |
% |
|
|
63,558 |
|
|
|
75.6 |
% |
其他借款 |
|
109,735 |
|
|
|
132,199 |
|
|
|
167,262 |
|
|
|
(22,464 |
) |
|
|
-17.0 |
% |
|
|
(57,527 |
) |
|
|
-34.4 |
% |
附属票据 |
|
122,951 |
|
|
|
122,897 |
|
|
|
— |
|
|
|
54 |
|
|
|
0.0 |
% |
|
|
122,951 |
|
|
N/m |
|
|
次级债务证券 |
|
61,856 |
|
|
|
61,856 |
|
|
|
61,856 |
|
|
|
— |
|
|
|
0.0 |
% |
|
|
— |
|
|
|
0.0 |
% |
有息负债总额 |
|
10,543,406 |
|
|
|
10,477,558 |
|
|
|
9,905,838 |
|
|
|
65,848 |
|
|
|
0.6 |
% |
|
|
637,568 |
|
|
|
6.4 |
% |
无息存款 |
|
4,566,924 |
|
|
|
4,512,268 |
|
|
|
3,921,867 |
|
|
|
54,656 |
|
|
|
1.2 |
% |
|
|
645,057 |
|
|
|
16.4 |
% |
其他负债 |
|
257,956 |
|
|
|
251,582 |
|
|
|
244,544 |
|
|
|
6,374 |
|
|
|
2.5 |
% |
|
|
13,412 |
|
|
|
5.5 |
% |
总负债 |
|
15,368,286 |
|
|
|
15,241,408 |
|
|
|
14,072,249 |
|
|
|
126,878 |
|
|
|
0.8 |
% |
|
|
1,296,037 |
|
|
|
9.2 |
% |
股东权益 |
|
1,782,304 |
|
|
|
1,780,705 |
|
|
|
1,694,903 |
|
|
|
1,599 |
|
|
|
0.1 |
% |
|
|
87,401 |
|
|
|
5.2 |
% |
负债和权益总额 |
$ |
17,150,590 |
|
|
$ |
17,022,113 |
|
|
$ |
15,767,152 |
|
|
$ |
128,477 |
|
|
|
0.8 |
% |
|
$ |
1,383,438 |
|
|
|
8.8 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
N/m-大于+/-100%的百分比变化被认为没有意义 |
|
|
|
请参阅综合财务附注
|
Trustmark公司及其子公司 |
|
|
合并财务信息 |
|
|
2021年9月30日 |
|
|
(千美元) |
|
|
(未经审计) |
|
|
|
|
|
|
|
|
|
|
|
|
|
链接的季度 |
|
|
年复一年 |
|
||||||||||
期末余额 |
9/30/2021 |
|
|
6/30/2021 |
|
|
9/30/2020 |
|
|
$CHANGE |
|
|
%变化 |
|
|
$CHANGE |
|
|
%变化 |
|
|||||||
现金和银行到期款项 |
$ |
2,175,058 |
|
|
$ |
2,267,224 |
|
|
$ |
564,588 |
|
|
$ |
(92,166 |
) |
|
|
-4.1 |
% |
|
$ |
1,610,470 |
|
|
N/m |
|
|
联邦基金抛售和逆回购 |
|
— |
|
|
|
— |
|
|
|
50 |
|
|
|
— |
|
|
N/m |
|
|
|
(50 |
) |
|
|
-100.0 |
% |
|
可供出售的证券 |
|
3,057,605 |
|
|
|
2,548,739 |
|
|
|
1,922,728 |
|
|
|
508,866 |
|
|
|
20.0 |
% |
|
|
1,134,877 |
|
|
|
59.0 |
% |
持有至到期的证券 |
|
394,905 |
|
|
|
433,012 |
|
|
|
611,280 |
|
|
|
(38,107 |
) |
|
|
-8.8 |
% |
|
|
(216,375 |
) |
|
|
-35.4 |
% |
购买力平价贷款 |
|
46,486 |
|
|
|
166,119 |
|
|
|
944,270 |
|
|
|
(119,633 |
) |
|
|
-72.0 |
% |
|
|
(897,784 |
) |
|
|
-95.1 |
% |
持有待售贷款(LHFS) |
|
335,339 |
|
|
|
332,132 |
|
|
|
485,103 |
|
|
|
3,207 |
|
|
|
1.0 |
% |
|
|
(149,764 |
) |
|
|
-30.9 |
% |
持有用于投资的贷款(LHFI) |
|
10,174,899 |
|
|
|
10,152,869 |
|
|
|
9,847,728 |
|
|
|
22,030 |
|
|
|
0.2 |
% |
|
|
327,171 |
|
|
|
3.3 |
% |
ACL LHFI |
|
(104,073 |
) |
|
|
(104,032 |
) |
|
|
(122,010 |
) |
|
|
(41 |
) |
|
|
0.0 |
% |
|
|
17,937 |
|
|
|
14.7 |
% |
净LHFI |
|
10,070,826 |
|
|
|
10,048,837 |
|
|
|
9,725,718 |
|
|
|
21,989 |
|
|
|
0.2 |
% |
|
|
345,108 |
|
|
|
3.5 |
% |
房舍和设备,净值 |
|
201,937 |
|
|
|
200,970 |
|
|
|
192,722 |
|
|
|
967 |
|
|
|
0.5 |
% |
|
|
9,215 |
|
|
|
4.8 |
% |
抵押贷款偿还权 |
|
84,101 |
|
|
|
80,764 |
|
|
|
61,613 |
|
|
|
3,337 |
|
|
|
4.1 |
% |
|
|
22,488 |
|
|
|
36.5 |
% |
商誉 |
|
384,237 |
|
|
|
384,237 |
|
|
|
385,270 |
|
|
|
— |
|
|
|
0.0 |
% |
|
|
(1,033 |
) |
|
|
-0.3 |
% |
可识别无形资产 |
|
5,621 |
|
|
|
6,170 |
|
|
|
8,142 |
|
|
|
(549 |
) |
|
|
-8.9 |
% |
|
|
(2,521 |
) |
|
|
-31.0 |
% |
其他房地产 |
|
6,213 |
|
|
|
9,439 |
|
|
|
16,248 |
|
|
|
(3,226 |
) |
|
|
-34.2 |
% |
|
|
(10,035 |
) |
|
|
-61.8 |
% |
经营性租赁使用权资产 |
|
34,689 |
|
|
|
33,201 |
|
|
|
30,508 |
|
|
|
1,488 |
|
|
|
4.5 |
% |
|
|
4,181 |
|
|
|
13.7 |
% |
其他资产 |
|
567,627 |
|
|
|
587,288 |
|
|
|
609,922 |
|
|
|
(19,661 |
) |
|
|
-3.3 |
% |
|
|
(42,295 |
) |
|
|
-6.9 |
% |
总资产 |
$ |
17,364,644 |
|
|
$ |
17,098,132 |
|
|
$ |
15,558,162 |
|
|
$ |
266,512 |
|
|
|
1.6 |
% |
|
$ |
1,806,482 |
|
|
|
11.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
存款: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不计息 |
$ |
4,987,885 |
|
|
$ |
4,446,991 |
|
|
$ |
3,964,023 |
|
|
$ |
540,894 |
|
|
|
12.2 |
% |
|
$ |
1,023,862 |
|
|
|
25.8 |
% |
计息 |
|
9,934,954 |
|
|
|
10,185,093 |
|
|
|
9,258,390 |
|
|
|
(250,139 |
) |
|
|
-2.5 |
% |
|
|
676,564 |
|
|
|
7.3 |
% |
总存款 |
|
14,922,839 |
|
|
|
14,632,084 |
|
|
|
13,222,413 |
|
|
|
290,755 |
|
|
|
2.0 |
% |
|
|
1,700,426 |
|
|
|
12.9 |
% |
联邦基金购买和回购 |
|
146,417 |
|
|
|
157,176 |
|
|
|
153,834 |
|
|
|
(10,759 |
) |
|
|
-6.8 |
% |
|
|
(7,417 |
) |
|
|
-4.8 |
% |
其他借款 |
|
94,889 |
|
|
|
117,223 |
|
|
|
178,599 |
|
|
|
(22,334 |
) |
|
|
-19.1 |
% |
|
|
(83,710 |
) |
|
|
-46.9 |
% |
附属票据 |
|
122,987 |
|
|
|
122,932 |
|
|
|
— |
|
|
|
55 |
|
|
|
0.0 |
% |
|
|
122,987 |
|
|
N/m |
|
|
次级债务证券 |
|
61,856 |
|
|
|
61,856 |
|
|
|
61,856 |
|
|
|
— |
|
|
|
0.0 |
% |
|
|
— |
|
|
|
0.0 |
% |
表外信贷敞口ACL |
|
32,684 |
|
|
|
33,733 |
|
|
|
39,659 |
|
|
|
(1,049 |
) |
|
|
-3.1 |
% |
|
|
(6,975 |
) |
|
|
-17.6 |
% |
经营租赁负债 |
|
36,531 |
|
|
|
34,959 |
|
|
|
31,838 |
|
|
|
1,572 |
|
|
|
4.5 |
% |
|
|
4,693 |
|
|
|
14.7 |
% |
其他负债 |
|
177,494 |
|
|
|
158,860 |
|
|
|
159,922 |
|
|
|
18,634 |
|
|
|
11.7 |
% |
|
|
17,572 |
|
|
|
11.0 |
% |
总负债 |
|
15,595,697 |
|
|
|
15,318,823 |
|
|
|
13,848,121 |
|
|
|
276,874 |
|
|
|
1.8 |
% |
|
|
1,747,576 |
|
|
|
12.6 |
% |
普通股 |
|
13,014 |
|
|
|
13,079 |
|
|
|
13,215 |
|
|
|
(65 |
) |
|
|
-0.5 |
% |
|
|
(201 |
) |
|
|
-1.5 |
% |
资本盈余 |
|
201,837 |
|
|
|
210,420 |
|
|
|
231,836 |
|
|
|
(8,583 |
) |
|
|
-4.1 |
% |
|
|
(29,999 |
) |
|
|
-12.9 |
% |
留存收益 |
|
1,573,176 |
|
|
|
1,566,451 |
|
|
|
1,459,306 |
|
|
|
6,725 |
|
|
|
0.4 |
% |
|
|
113,870 |
|
|
|
7.8 |
% |
累计其他综合收益(亏损), 税后净额 |
|
(19,080 |
) |
|
|
(10,641 |
) |
|
|
5,684 |
|
|
|
(8,439 |
) |
|
|
-79.3 |
% |
|
|
(24,764 |
) |
|
N/m |
|
|
股东权益总额 |
|
1,768,947 |
|
|
|
1,779,309 |
|
|
|
1,710,041 |
|
|
|
(10,362 |
) |
|
|
-0.6 |
% |
|
|
58,906 |
|
|
|
3.4 |
% |
负债和权益总额 |
$ |
17,364,644 |
|
|
$ |
17,098,132 |
|
|
$ |
15,558,162 |
|
|
$ |
266,512 |
|
|
|
1.6 |
% |
|
$ |
1,806,482 |
|
|
|
11.6 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
N/m-大于+/-100%的百分比变化被认为没有意义 |
|
|
|
请参阅综合财务附注
|
Trustmark公司及其子公司 |
|
|
合并财务信息 |
|
|
2021年9月30日 |
|
|
($(千美元,每股数据除外) |
|
|
(未经审计) |
|
截至的季度 |
|
|
链接的季度 |
|
|
年复一年 |
|
|||||||||||||||||||
损益表 |
9/30/2021 |
|
|
6/30/2021 |
|
|
9/30/2020 |
|
|
$CHANGE |
|
|
%变化 |
|
|
$CHANGE |
|
|
%变化 |
|
|||||||
LHFS和LHFI-FTE的利息和费用 |
$ |
94,101 |
|
|
$ |
93,698 |
|
|
$ |
97,429 |
|
|
$ |
403 |
|
|
|
0.4 |
% |
|
$ |
(3,328 |
) |
|
|
-3.4 |
% |
购买力平价贷款的利息和费用 |
|
1,533 |
|
|
|
25,555 |
|
|
|
6,729 |
|
|
|
(24,022 |
) |
|
|
-94.0 |
% |
|
|
(5,196 |
) |
|
|
-77.2 |
% |
证券利息--应纳税 |
|
9,973 |
|
|
|
8,991 |
|
|
|
12,542 |
|
|
|
982 |
|
|
|
10.9 |
% |
|
|
(2,569 |
) |
|
|
-20.5 |
% |
证券利息-免税-FTE |
|
132 |
|
|
|
149 |
|
|
|
301 |
|
|
|
(17 |
) |
|
|
-11.4 |
% |
|
|
(169 |
) |
|
|
-56.1 |
% |
联邦基金出售和逆回购的利息 |
|
— |
|
|
|
— |
|
|
|
1 |
|
|
|
— |
|
|
N/m |
|
|
|
(1 |
) |
|
|
-100.0 |
% |
|
其他利息收入 |
|
949 |
|
|
|
489 |
|
|
|
331 |
|
|
|
460 |
|
|
|
94.1 |
% |
|
|
618 |
|
|
N/m |
|
|
总利息收入(简写为FTE) |
|
106,688 |
|
|
|
128,882 |
|
|
|
117,333 |
|
|
|
(22,194 |
) |
|
|
-17.2 |
% |
|
|
(10,645 |
) |
|
|
-9.1 |
% |
存款利息 |
|
3,691 |
|
|
|
4,630 |
|
|
|
7,437 |
|
|
|
(939 |
) |
|
|
-20.3 |
% |
|
|
(3,746 |
) |
|
|
-50.4 |
% |
购买和回购联邦基金的利息 |
|
51 |
|
|
|
59 |
|
|
|
32 |
|
|
|
(8 |
) |
|
|
-13.6 |
% |
|
|
19 |
|
|
|
59.4 |
% |
其他利息支出 |
|
1,733 |
|
|
|
1,813 |
|
|
|
688 |
|
|
|
(80 |
) |
|
|
-4.4 |
% |
|
|
1,045 |
|
|
N/m |
|
|
利息支出总额 |
|
5,475 |
|
|
|
6,502 |
|
|
|
8,157 |
|
|
|
(1,027 |
) |
|
|
-15.8 |
% |
|
|
(2,682 |
) |
|
|
-32.9 |
% |
净利息收入(简写为FTE) |
|
101,213 |
|
|
|
122,380 |
|
|
|
109,176 |
|
|
|
(21,167 |
) |
|
|
-17.3 |
% |
|
|
(7,963 |
) |
|
|
-7.3 |
% |
信贷损失准备金 |
|
(2,492 |
) |
|
|
(3,991 |
) |
|
|
1,760 |
|
|
|
1,499 |
|
|
|
37.6 |
% |
|
|
(4,252 |
) |
|
N/m |
|
|
信贷损失准备金、表外信贷 曝光(1) |
|
(1,049 |
) |
|
|
4,528 |
|
|
|
(3,004 |
) |
|
|
(5,577 |
) |
|
N/m |
|
|
|
1,955 |
|
|
|
65.1 |
% |
|
拨备后净利息收入(FTE) |
|
104,754 |
|
|
|
121,843 |
|
|
|
110,420 |
|
|
|
(17,089 |
) |
|
|
-14.0 |
% |
|
|
(5,666 |
) |
|
|
-5.1 |
% |
存款账户手续费 |
|
8,911 |
|
|
|
7,613 |
|
|
|
7,577 |
|
|
|
1,298 |
|
|
|
17.0 |
% |
|
|
1,334 |
|
|
|
17.6 |
% |
银行卡及其他手续费 |
|
8,549 |
|
|
|
8,301 |
|
|
|
8,843 |
|
|
|
248 |
|
|
|
3.0 |
% |
|
|
(294 |
) |
|
|
-3.3 |
% |
抵押贷款银行业务,净值 |
|
14,004 |
|
|
|
17,333 |
|
|
|
36,439 |
|
|
|
(3,329 |
) |
|
|
-19.2 |
% |
|
|
(22,435 |
) |
|
|
-61.6 |
% |
保险佣金 |
|
12,133 |
|
|
|
12,217 |
|
|
|
11,562 |
|
|
|
(84 |
) |
|
|
-0.7 |
% |
|
|
571 |
|
|
|
4.9 |
% |
财富管理 |
|
9,071 |
|
|
|
8,946 |
|
|
|
7,679 |
|
|
|
125 |
|
|
|
1.4 |
% |
|
|
1,392 |
|
|
|
18.1 |
% |
其他,净额 |
|
1,481 |
|
|
|
2,001 |
|
|
|
1,601 |
|
|
|
(520 |
) |
|
|
-26.0 |
% |
|
|
(120 |
) |
|
|
-7.5 |
% |
非利息收入总额 |
|
54,149 |
|
|
|
56,411 |
|
|
|
73,701 |
|
|
|
(2,262 |
) |
|
|
-4.0 |
% |
|
|
(19,552 |
) |
|
|
-26.5 |
% |
薪金和员工福利 |
|
74,623 |
|
|
|
70,115 |
|
|
|
67,342 |
|
|
|
4,508 |
|
|
|
6.4 |
% |
|
|
7,281 |
|
|
|
10.8 |
% |
服务和费用 |
|
22,306 |
|
|
|
21,769 |
|
|
|
20,992 |
|
|
|
537 |
|
|
|
2.5 |
% |
|
|
1,314 |
|
|
|
6.3 |
% |
净入住率--房地 |
|
6,854 |
|
|
|
6,578 |
|
|
|
7,000 |
|
|
|
276 |
|
|
|
4.2 |
% |
|
|
(146 |
) |
|
|
-2.1 |
% |
设备费用 |
|
5,941 |
|
|
|
5,567 |
|
|
|
5,828 |
|
|
|
374 |
|
|
|
6.7 |
% |
|
|
113 |
|
|
|
1.9 |
% |
其他房地产费用,净额 |
|
1,357 |
|
|
|
1,511 |
|
|
|
1,203 |
|
|
|
(154 |
) |
|
|
-10.2 |
% |
|
|
154 |
|
|
|
12.8 |
% |
其他费用 |
|
18,519 |
|
|
|
13,139 |
|
|
|
14,598 |
|
|
|
5,380 |
|
|
|
40.9 |
% |
|
|
3,921 |
|
|
|
26.9 |
% |
总非利息费用 |
|
129,600 |
|
|
|
118,679 |
|
|
|
116,963 |
|
|
|
10,921 |
|
|
|
9.2 |
% |
|
|
12,637 |
|
|
|
10.8 |
% |
所得税和税前收入等式调整 |
|
29,303 |
|
|
|
59,575 |
|
|
|
67,158 |
|
|
|
(30,272 |
) |
|
|
-50.8 |
% |
|
|
(37,855 |
) |
|
|
-56.4 |
% |
税额调整 |
|
2,947 |
|
|
|
2,957 |
|
|
|
2,969 |
|
|
|
(10 |
) |
|
|
-0.3 |
% |
|
|
(22 |
) |
|
|
-0.7 |
% |
所得税前收入 |
|
26,356 |
|
|
|
56,618 |
|
|
|
64,189 |
|
|
|
(30,262 |
) |
|
|
-53.4 |
% |
|
|
(37,833 |
) |
|
|
-58.9 |
% |
所得税 |
|
5,156 |
|
|
|
8,637 |
|
|
|
9,749 |
|
|
|
(3,481 |
) |
|
|
-40.3 |
% |
|
|
(4,593 |
) |
|
|
-47.1 |
% |
净收入 |
$ |
21,200 |
|
|
$ |
47,981 |
|
|
$ |
54,440 |
|
|
$ |
(26,781 |
) |
|
|
-55.8 |
% |
|
$ |
(33,240 |
) |
|
|
-61.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
每股数据 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
每股收益-基本 |
$ |
0.34 |
|
|
$ |
0.76 |
|
|
$ |
0.86 |
|
|
$ |
(0.42 |
) |
|
|
-55.3 |
% |
|
$ |
(0.52 |
) |
|
|
-60.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
每股收益-稀释后 |
$ |
0.34 |
|
|
$ |
0.76 |
|
|
$ |
0.86 |
|
|
$ |
(0.42 |
) |
|
|
-55.3 |
% |
|
$ |
(0.52 |
) |
|
|
-60.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
每股股息 |
$ |
0.23 |
|
|
$ |
0.23 |
|
|
$ |
0.23 |
|
|
|
— |
|
|
|
0.0 |
% |
|
|
— |
|
|
|
0.0 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
加权平均流通股 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
基本信息 |
|
62,521,684 |
|
|
|
63,214,593 |
|
|
|
63,422,692 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
稀释 |
|
62,730,157 |
|
|
|
63,409,683 |
|
|
|
63,581,964 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
期末已发行股份 |
|
62,461,832 |
|
|
|
62,773,226 |
|
|
|
63,423,820 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)2021年第二季度,Trustmark将其与表外信用敞口相关的信用损失费用从非利息费用重新分类为信贷损失拨备、表外信用敞口。以前的期间已相应地重新分类。 |
|
|
|
|
|
||||||||||||||||||||||
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|
|
|
||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
N/m-大于+/-100%的百分比变化被认为没有意义 |
|
请参阅综合财务附注
|
Trustmark公司及其子公司 |
|
|
合并财务信息 |
|
|
2021年9月30日 |
|
|
(千美元) |
|
|
(未经审计) |
|
截至的季度 |
|
|
链接的季度 |
|
|
年复一年 |
|
|||||||||||||||||||
不良资产(1) |
9/30/2021 |
|
|
6/30/2021 |
|
|
9/30/2020 |
|
|
$CHANGE |
|
|
%变化 |
|
|
$CHANGE |
|
|
%变化 |
|
|||||||
非应计项目LHFI |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
阿拉巴马州 |
$ |
9,223 |
|
|
$ |
8,952 |
|
|
$ |
3,860 |
|
|
$ |
271 |
|
|
|
3.0 |
% |
|
$ |
5,363 |
|
|
N/m |
|
|
弗罗里达 |
|
381 |
|
|
|
467 |
|
|
|
617 |
|
|
|
(86 |
) |
|
|
-18.4 |
% |
|
|
(236 |
) |
|
|
-38.2 |
% |
密西西比州(2) |
|
22,898 |
|
|
|
23,422 |
|
|
|
35,617 |
|
|
|
(524 |
) |
|
|
-2.2 |
% |
|
|
(12,719 |
) |
|
|
-35.7 |
% |
田纳西州(3) |
|
10,356 |
|
|
|
10,751 |
|
|
|
13,041 |
|
|
|
(395 |
) |
|
|
-3.7 |
% |
|
|
(2,685 |
) |
|
|
-20.6 |
% |
德克萨斯州 |
|
23,382 |
|
|
|
7,856 |
|
|
|
721 |
|
|
|
15,526 |
|
|
N/m |
|
|
|
22,661 |
|
|
N/m |
|
||
非应计LHFI总额 |
|
66,240 |
|
|
|
51,448 |
|
|
|
53,856 |
|
|
|
14,792 |
|
|
|
28.8 |
% |
|
|
12,384 |
|
|
|
23.0 |
% |
其他房地产 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
阿拉巴马州 |
|
613 |
|
|
|
2,830 |
|
|
|
3,725 |
|
|
|
(2,217 |
) |
|
|
-78.3 |
% |
|
|
(3,112 |
) |
|
|
-83.5 |
% |
弗罗里达 |
|
— |
|
|
|
— |
|
|
|
3,665 |
|
|
|
— |
|
|
N/m |
|
|
|
(3,665 |
) |
|
|
-100.0 |
% |
|
密西西比州(2) |
|
5,600 |
|
|
|
6,550 |
|
|
|
8,718 |
|
|
|
(950 |
) |
|
|
-14.5 |
% |
|
|
(3,118 |
) |
|
|
-35.8 |
% |
田纳西州(3) |
|
— |
|
|
|
59 |
|
|
|
140 |
|
|
|
(59 |
) |
|
|
-100.0 |
% |
|
|
(140 |
) |
|
|
-100.0 |
% |
德克萨斯州 |
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
N/m |
|
|
|
— |
|
|
N/m |
|
||
其他房地产合计 |
|
6,213 |
|
|
|
9,439 |
|
|
|
16,248 |
|
|
|
(3,226 |
) |
|
|
-34.2 |
% |
|
|
(10,035 |
) |
|
|
-61.8 |
% |
不良资产总额 |
$ |
72,453 |
|
|
$ |
60,887 |
|
|
$ |
70,104 |
|
|
$ |
11,566 |
|
|
|
19.0 |
% |
|
$ |
2,349 |
|
|
|
3.4 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
逾期90天以上的贷款(1) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
LHFI |
$ |
625 |
|
|
$ |
423 |
|
|
$ |
782 |
|
|
$ |
202 |
|
|
|
47.8 |
% |
|
$ |
(157 |
) |
|
|
-20.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
LHFS担保的GNMA服务贷款 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(无回购义务) |
$ |
75,091 |
|
|
$ |
81,538 |
|
|
$ |
121,281 |
|
|
$ |
(6,447 |
) |
|
|
-7.9 |
% |
|
$ |
(46,190 |
) |
|
|
-38.1 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至的季度 |
|
|
链接的季度 |
|
|
年复一年 |
|
|||||||||||||||||||
ACL LHFI(1) |
9/30/2021 |
|
|
6/30/2021 |
|
|
9/30/2020 |
|
|
$CHANGE |
|
|
%变化 |
|
|
$CHANGE |
|
|
%变化 |
|
|||||||
期初余额 |
$ |
104,032 |
|
|
$ |
109,191 |
|
|
$ |
119,188 |
|
|
$ |
(5,159 |
) |
|
|
-4.7 |
% |
|
$ |
(15,156 |
) |
|
|
-12.7 |
% |
CECL采用调整: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
LHFI |
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
N/m |
|
|
|
— |
|
|
N/m |
|
||
获得的贷款转账 |
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
N/m |
|
|
|
— |
|
|
N/m |
|
||
信贷损失准备金 |
|
(2,492 |
) |
|
|
(3,991 |
) |
|
|
1,760 |
|
|
|
1,499 |
|
|
|
37.6 |
% |
|
|
(4,252 |
) |
|
N/m |
|
|
冲销 |
|
(1,586 |
) |
|
|
(4,828 |
) |
|
|
(1,263 |
) |
|
|
3,242 |
|
|
|
67.1 |
% |
|
|
(323 |
) |
|
|
-25.6 |
% |
恢复 |
|
4,119 |
|
|
|
3,660 |
|
|
|
2,325 |
|
|
|
459 |
|
|
|
12.5 |
% |
|
|
1,794 |
|
|
|
77.2 |
% |
净(冲销)回收 |
|
2,533 |
|
|
|
(1,168 |
) |
|
|
1,062 |
|
|
|
3,701 |
|
|
N/m |
|
|
|
1,471 |
|
|
N/m |
|
||
期末余额 |
$ |
104,073 |
|
|
$ |
104,032 |
|
|
$ |
122,010 |
|
|
$ |
41 |
|
|
|
0.0 |
% |
|
$ |
(17,937 |
) |
|
|
-14.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净(冲销)回收(1) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
阿拉巴马州 |
$ |
247 |
|
|
$ |
203 |
|
|
$ |
117 |
|
|
$ |
44 |
|
|
|
21.7 |
% |
|
$ |
130 |
|
|
N/m |
|
|
弗罗里达 |
|
356 |
|
|
|
167 |
|
|
|
387 |
|
|
|
189 |
|
|
N/m |
|
|
|
(31 |
) |
|
|
-8.0 |
% |
|
密西西比州(2) |
|
1,436 |
|
|
|
(3,071 |
) |
|
|
442 |
|
|
|
4,507 |
|
|
N/m |
|
|
|
994 |
|
|
N/m |
|
||
田纳西州(3) |
|
(8 |
) |
|
|
1,031 |
|
|
|
42 |
|
|
|
(1,039 |
) |
|
N/m |
|
|
|
(50 |
) |
|
N/m |
|
||
德克萨斯州 |
|
502 |
|
|
|
502 |
|
|
|
74 |
|
|
|
— |
|
|
|
0.0 |
% |
|
|
428 |
|
|
N/m |
|
|
净(冲销)回收总额 |
$ |
2,533 |
|
|
$ |
(1,168 |
) |
|
$ |
1,062 |
|
|
$ |
3,701 |
|
|
N/m |
|
|
$ |
1,471 |
|
|
N/m |
|
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)不包括购买力平价贷款。 |
|
|
|
|
|
||||||||||||||||||||||
(2)密西西比州包括密西西比州中部和南部地区。 |
|
|
|
|
|
||||||||||||||||||||||
(3)田纳西州包括孟菲斯、田纳西州和密西西比州北部地区。 |
|
|
|
|
|
||||||||||||||||||||||
|
|
||||||||||||||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
N/m-大于+/-100%的百分比变化被认为没有意义 |
|
|
|
|
|
请参阅综合财务附注
|
Trustmark公司及其子公司 |
|
|
合并财务信息 |
|
|
2021年9月30日 |
|
|
(千美元) |
|
|
(未经审计) |
|
|
截至的季度 |
|
|
截至9个月 |
|
||||||||||||||||||||||
平均余额 |
|
9/30/2021 |
|
|
6/30/2021 |
|
|
3/31/2021 |
|
|
12/31/2020 |
|
|
9/30/2020 |
|
|
9/30/2021 |
|
|
9/30/2020 |
|
|||||||
证券AFS-应税 |
|
$ |
2,686,765 |
|
|
$ |
2,339,662 |
|
|
$ |
2,098,089 |
|
|
$ |
1,902,162 |
|
|
$ |
1,857,050 |
|
|
$ |
2,376,995 |
|
|
$ |
1,734,380 |
|
证券AFS-免税 |
|
|
5,159 |
|
|
|
5,174 |
|
|
|
5,190 |
|
|
|
5,206 |
|
|
|
5,973 |
|
|
|
5,174 |
|
|
|
12,594 |
|
证券HTM-应税 |
|
|
401,685 |
|
|
|
441,688 |
|
|
|
489,260 |
|
|
|
550,563 |
|
|
|
608,585 |
|
|
|
443,890 |
|
|
|
652,642 |
|
证券HTM-免税 |
|
|
8,641 |
|
|
|
10,958 |
|
|
|
24,070 |
|
|
|
24,752 |
|
|
|
25,508 |
|
|
|
14,500 |
|
|
|
25,573 |
|
总证券 |
|
|
3,102,250 |
|
|
|
2,797,482 |
|
|
|
2,616,609 |
|
|
|
2,482,683 |
|
|
|
2,497,116 |
|
|
|
2,840,559 |
|
|
|
2,425,189 |
|
购买力平价贷款 |
|
|
122,176 |
|
|
|
648,222 |
|
|
|
598,139 |
|
|
|
875,098 |
|
|
|
941,456 |
|
|
|
454,436 |
|
|
|
569,985 |
|
贷款(包括持有以供出售的贷款) |
|
|
10,389,826 |
|
|
|
10,315,927 |
|
|
|
10,316,319 |
|
|
|
10,231,671 |
|
|
|
10,162,379 |
|
|
|
10,340,960 |
|
|
|
9,917,127 |
|
联邦基金抛售和逆回购 |
|
|
69 |
|
|
|
55 |
|
|
|
136 |
|
|
|
303 |
|
|
|
301 |
|
|
|
86 |
|
|
|
193 |
|
其他盈利资产 |
|
|
2,038,515 |
|
|
|
1,750,385 |
|
|
|
1,667,906 |
|
|
|
860,540 |
|
|
|
722,917 |
|
|
|
1,820,293 |
|
|
|
588,787 |
|
盈利资产总额 |
|
|
15,652,836 |
|
|
|
15,512,071 |
|
|
|
15,199,109 |
|
|
|
14,450,295 |
|
|
|
14,324,169 |
|
|
|
15,456,334 |
|
|
|
13,501,281 |
|
ACL LHFI |
|
|
(104,857 |
) |
|
|
(112,346 |
) |
|
|
(119,557 |
) |
|
|
(124,088 |
) |
|
|
(121,842 |
) |
|
|
(112,199 |
) |
|
|
(103,355 |
) |
其他资产 |
|
|
1,602,611 |
|
|
|
1,622,388 |
|
|
|
1,601,250 |
|
|
|
1,620,694 |
|
|
|
1,564,825 |
|
|
|
1,608,754 |
|
|
|
1,582,888 |
|
总资产 |
|
$ |
17,150,590 |
|
|
$ |
17,022,113 |
|
|
$ |
16,680,802 |
|
|
$ |
15,946,901 |
|
|
$ |
15,767,152 |
|
|
$ |
16,952,889 |
|
|
$ |
14,980,814 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
有息活期存款 |
|
$ |
4,224,717 |
|
|
$ |
4,056,910 |
|
|
$ |
3,743,651 |
|
|
$ |
3,649,590 |
|
|
$ |
3,669,249 |
|
|
$ |
4,010,188 |
|
|
$ |
3,562,310 |
|
储蓄存款 |
|
|
4,617,683 |
|
|
|
4,627,180 |
|
|
|
4,659,037 |
|
|
|
4,350,783 |
|
|
|
4,416,046 |
|
|
|
4,634,482 |
|
|
|
4,082,396 |
|
定期存款 |
|
|
1,258,829 |
|
|
|
1,301,896 |
|
|
|
1,371,830 |
|
|
|
1,436,677 |
|
|
|
1,507,348 |
|
|
|
1,310,438 |
|
|
|
1,567,577 |
|
有息存款总额 |
|
|
10,101,229 |
|
|
|
9,985,986 |
|
|
|
9,774,518 |
|
|
|
9,437,050 |
|
|
|
9,592,643 |
|
|
|
9,955,108 |
|
|
|
9,212,283 |
|
联邦基金购买和回购 |
|
|
147,635 |
|
|
|
174,620 |
|
|
|
166,909 |
|
|
|
170,474 |
|
|
|
84,077 |
|
|
|
162,984 |
|
|
|
145,537 |
|
其他借款 |
|
|
109,735 |
|
|
|
132,199 |
|
|
|
166,926 |
|
|
|
173,525 |
|
|
|
167,262 |
|
|
|
136,077 |
|
|
|
120,197 |
|
附属票据 |
|
|
122,951 |
|
|
|
122,897 |
|
|
|
122,875 |
|
|
|
42,828 |
|
|
|
— |
|
|
|
122,908 |
|
|
|
— |
|
次级债务证券 |
|
|
61,856 |
|
|
|
61,856 |
|
|
|
61,856 |
|
|
|
61,856 |
|
|
|
61,856 |
|
|
|
61,856 |
|
|
|
61,856 |
|
有息负债总额 |
|
|
10,543,406 |
|
|
|
10,477,558 |
|
|
|
10,293,084 |
|
|
|
9,885,733 |
|
|
|
9,905,838 |
|
|
|
10,438,933 |
|
|
|
9,539,873 |
|
无息存款 |
|
|
4,566,924 |
|
|
|
4,512,268 |
|
|
|
4,363,559 |
|
|
|
4,100,849 |
|
|
|
3,921,867 |
|
|
|
4,481,662 |
|
|
|
3,494,425 |
|
其他负债 |
|
|
257,956 |
|
|
|
251,582 |
|
|
|
264,808 |
|
|
|
235,284 |
|
|
|
244,544 |
|
|
|
258,090 |
|
|
|
279,517 |
|
总负债 |
|
|
15,368,286 |
|
|
|
15,241,408 |
|
|
|
14,921,451 |
|
|
|
14,221,866 |
|
|
|
14,072,249 |
|
|
|
15,178,685 |
|
|
|
13,313,815 |
|
股东权益 |
|
|
1,782,304 |
|
|
|
1,780,705 |
|
|
|
1,759,351 |
|
|
|
1,725,035 |
|
|
|
1,694,903 |
|
|
|
1,774,204 |
|
|
|
1,666,999 |
|
负债和权益总额 |
|
$ |
17,150,590 |
|
|
$ |
17,022,113 |
|
|
$ |
16,680,802 |
|
|
$ |
15,946,901 |
|
|
$ |
15,767,152 |
|
|
$ |
16,952,889 |
|
|
$ |
14,980,814 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
请参阅综合财务附注
|
Trustmark公司及其子公司 |
|
|
合并财务信息 |
|
|
2021年9月30日 |
|
|
(千美元) |
|
|
(未经审计) |
期末余额 |
|
9/30/2021 |
|
|
6/30/2021 |
|
|
3/31/2021 |
|
|
12/31/2020 |
|
|
9/30/2020 |
|
|
|
|
|
|||||
现金和银行到期款项 |
|
$ |
2,175,058 |
|
|
$ |
2,267,224 |
|
|
$ |
1,774,541 |
|
|
$ |
1,952,504 |
|
|
$ |
564,588 |
|
|
|
|
|
联邦基金抛售和逆回购 |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
50 |
|
|
|
50 |
|
|
|
|
|
可供出售的证券 |
|
|
3,057,605 |
|
|
|
2,548,739 |
|
|
|
2,337,676 |
|
|
|
1,991,815 |
|
|
|
1,922,728 |
|
|
|
|
|
持有至到期的证券 |
|
|
394,905 |
|
|
|
433,012 |
|
|
|
493,738 |
|
|
|
538,072 |
|
|
|
611,280 |
|
|
|
|
|
购买力平价贷款 |
|
|
46,486 |
|
|
|
166,119 |
|
|
|
679,725 |
|
|
|
610,134 |
|
|
|
944,270 |
|
|
|
|
|
LHFS |
|
|
335,339 |
|
|
|
332,132 |
|
|
|
412,999 |
|
|
|
446,951 |
|
|
|
485,103 |
|
|
|
|
|
LHFI |
|
|
10,174,899 |
|
|
|
10,152,869 |
|
|
|
9,983,704 |
|
|
|
9,824,524 |
|
|
|
9,847,728 |
|
|
|
|
|
ACL LHFI |
|
|
(104,073 |
) |
|
|
(104,032 |
) |
|
|
(109,191 |
) |
|
|
(117,306 |
) |
|
|
(122,010 |
) |
|
|
|
|
净LHFI |
|
|
10,070,826 |
|
|
|
10,048,837 |
|
|
|
9,874,513 |
|
|
|
9,707,218 |
|
|
|
9,725,718 |
|
|
|
|
|
房舍和设备,净值 |
|
|
201,937 |
|
|
|
200,970 |
|
|
|
199,098 |
|
|
|
194,278 |
|
|
|
192,722 |
|
|
|
|
|
抵押贷款偿还权 |
|
|
84,101 |
|
|
|
80,764 |
|
|
|
83,035 |
|
|
|
66,464 |
|
|
|
61,613 |
|
|
|
|
|
商誉 |
|
|
384,237 |
|
|
|
384,237 |
|
|
|
384,237 |
|
|
|
385,270 |
|
|
|
385,270 |
|
|
|
|
|
可识别无形资产 |
|
|
5,621 |
|
|
|
6,170 |
|
|
|
6,724 |
|
|
|
7,390 |
|
|
|
8,142 |
|
|
|
|
|
其他房地产 |
|
|
6,213 |
|
|
|
9,439 |
|
|
|
10,651 |
|
|
|
11,651 |
|
|
|
16,248 |
|
|
|
|
|
经营性租赁使用权资产 |
|
|
34,689 |
|
|
|
33,201 |
|
|
|
33,704 |
|
|
|
30,901 |
|
|
|
30,508 |
|
|
|
|
|
其他资产 |
|
|
567,627 |
|
|
|
587,288 |
|
|
|
587,672 |
|
|
|
609,142 |
|
|
|
609,922 |
|
|
|
|
|
总资产 |
|
$ |
17,364,644 |
|
|
$ |
17,098,132 |
|
|
$ |
16,878,313 |
|
|
$ |
16,551,840 |
|
|
$ |
15,558,162 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
存款: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不计息 |
|
$ |
4,987,885 |
|
|
$ |
4,446,991 |
|
|
$ |
4,705,991 |
|
|
$ |
4,349,010 |
|
|
$ |
3,964,023 |
|
|
|
|
|
计息 |
|
|
9,934,954 |
|
|
|
10,185,093 |
|
|
|
9,677,449 |
|
|
|
9,699,754 |
|
|
|
9,258,390 |
|
|
|
|
|
总存款 |
|
|
14,922,839 |
|
|
|
14,632,084 |
|
|
|
14,383,440 |
|
|
|
14,048,764 |
|
|
|
13,222,413 |
|
|
|
|
|
联邦基金购买和回购 |
|
|
146,417 |
|
|
|
157,176 |
|
|
|
160,991 |
|
|
|
164,519 |
|
|
|
153,834 |
|
|
|
|
|
其他借款 |
|
|
94,889 |
|
|
|
117,223 |
|
|
|
145,994 |
|
|
|
168,252 |
|
|
|
178,599 |
|
|
|
|
|
附属票据 |
|
|
122,987 |
|
|
|
122,932 |
|
|
|
122,877 |
|
|
|
122,921 |
|
|
|
— |
|
|
|
|
|
次级债务证券 |
|
|
61,856 |
|
|
|
61,856 |
|
|
|
61,856 |
|
|
|
61,856 |
|
|
|
61,856 |
|
|
|
|
|
表外信贷敞口ACL |
|
|
32,684 |
|
|
|
33,733 |
|
|
|
29,205 |
|
|
|
38,572 |
|
|
|
39,659 |
|
|
|
|
|
经营租赁负债 |
|
|
36,531 |
|
|
|
34,959 |
|
|
|
35,389 |
|
|
|
32,290 |
|
|
|
31,838 |
|
|
|
|
|
其他负债 |
|
|
177,494 |
|
|
|
158,860 |
|
|
|
178,856 |
|
|
|
173,549 |
|
|
|
159,922 |
|
|
|
|
|
总负债 |
|
|
15,595,697 |
|
|
|
15,318,823 |
|
|
|
15,118,608 |
|
|
|
14,810,723 |
|
|
|
13,848,121 |
|
|
|
|
|
普通股 |
|
|
13,014 |
|
|
|
13,079 |
|
|
|
13,209 |
|
|
|
13,215 |
|
|
|
13,215 |
|
|
|
|
|
资本盈余 |
|
|
201,837 |
|
|
|
210,420 |
|
|
|
229,892 |
|
|
|
233,120 |
|
|
|
231,836 |
|
|
|
|
|
留存收益 |
|
|
1,573,176 |
|
|
|
1,566,451 |
|
|
|
1,533,110 |
|
|
|
1,495,833 |
|
|
|
1,459,306 |
|
|
|
|
|
累计其他综合收益(亏损), 税后净额 |
|
|
(19,080 |
) |
|
|
(10,641 |
) |
|
|
(16,506 |
) |
|
|
(1,051 |
) |
|
|
5,684 |
|
|
|
|
|
股东权益总额 |
|
|
1,768,947 |
|
|
|
1,779,309 |
|
|
|
1,759,705 |
|
|
|
1,741,117 |
|
|
|
1,710,041 |
|
|
|
|
|
负债和权益总额 |
|
$ |
17,364,644 |
|
|
$ |
17,098,132 |
|
|
$ |
16,878,313 |
|
|
$ |
16,551,840 |
|
|
$ |
15,558,162 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
请参阅综合财务附注
|
Trustmark公司及其子公司 |
|
|
合并财务信息 |
|
|
2021年9月30日 |
|
|
($(千美元,每股数据除外) |
|
|
(未经审计) |
|
|
截至的季度 |
|
|
截至9个月 |
|
||||||||||||||||||||||
损益表 |
|
9/30/2021 |
|
|
6/30/2021 |
|
|
3/31/2021 |
|
|
12/31/2020 |
|
|
9/30/2020 |
|
|
9/30/2021 |
|
|
9/30/2020 |
|
|||||||
LHFS和LHFI-FTE的利息和费用 |
|
$ |
94,101 |
|
|
$ |
93,698 |
|
|
$ |
93,394 |
|
|
$ |
96,453 |
|
|
$ |
97,429 |
|
|
$ |
281,193 |
|
|
$ |
306,086 |
|
购买力平价贷款的利息和费用 |
|
|
1,533 |
|
|
|
25,555 |
|
|
|
9,241 |
|
|
|
14,870 |
|
|
|
6,729 |
|
|
|
36,329 |
|
|
|
11,773 |
|
证券利息--应纳税 |
|
|
9,973 |
|
|
|
8,991 |
|
|
|
8,938 |
|
|
|
9,998 |
|
|
|
12,542 |
|
|
|
27,902 |
|
|
|
38,252 |
|
证券利息-免税-FTE |
|
|
132 |
|
|
|
149 |
|
|
|
290 |
|
|
|
293 |
|
|
|
301 |
|
|
|
571 |
|
|
|
1,073 |
|
联邦基金出售和逆回购的利息 |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
1 |
|
|
|
— |
|
|
|
1 |
|
其他利息收入 |
|
|
949 |
|
|
|
489 |
|
|
|
503 |
|
|
|
249 |
|
|
|
331 |
|
|
|
1,941 |
|
|
|
1,310 |
|
总利息收入(简写为FTE) |
|
|
106,688 |
|
|
|
128,882 |
|
|
|
112,366 |
|
|
|
121,863 |
|
|
|
117,333 |
|
|
|
347,936 |
|
|
|
358,495 |
|
存款利息 |
|
|
3,691 |
|
|
|
4,630 |
|
|
|
5,223 |
|
|
|
6,363 |
|
|
|
7,437 |
|
|
|
13,544 |
|
|
|
31,124 |
|
购买和回购联邦基金的利息 |
|
|
51 |
|
|
|
59 |
|
|
|
56 |
|
|
|
56 |
|
|
|
32 |
|
|
|
166 |
|
|
|
699 |
|
其他利息支出 |
|
|
1,733 |
|
|
|
1,813 |
|
|
|
1,857 |
|
|
|
1,127 |
|
|
|
688 |
|
|
|
5,403 |
|
|
|
2,429 |
|
利息支出总额 |
|
|
5,475 |
|
|
|
6,502 |
|
|
|
7,136 |
|
|
|
7,546 |
|
|
|
8,157 |
|
|
|
19,113 |
|
|
|
34,252 |
|
净利息收入(简写为FTE) |
|
|
101,213 |
|
|
|
122,380 |
|
|
|
105,230 |
|
|
|
114,317 |
|
|
|
109,176 |
|
|
|
328,823 |
|
|
|
324,243 |
|
信贷损失准备金 |
|
|
(2,492 |
) |
|
|
(3,991 |
) |
|
|
(10,501 |
) |
|
|
(4,413 |
) |
|
|
1,760 |
|
|
|
(16,984 |
) |
|
|
40,526 |
|
信贷损失准备金、表外信贷 曝光(1) |
|
|
(1,049 |
) |
|
|
4,528 |
|
|
|
(9,367 |
) |
|
|
(1,087 |
) |
|
|
(3,004 |
) |
|
|
(5,888 |
) |
|
|
10,021 |
|
拨备后净利息收入(FTE) |
|
|
104,754 |
|
|
|
121,843 |
|
|
|
125,098 |
|
|
|
119,817 |
|
|
|
110,420 |
|
|
|
351,695 |
|
|
|
273,696 |
|
存款账户手续费 |
|
|
8,911 |
|
|
|
7,613 |
|
|
|
7,356 |
|
|
|
8,283 |
|
|
|
7,577 |
|
|
|
23,880 |
|
|
|
24,006 |
|
银行卡及其他手续费 |
|
|
8,549 |
|
|
|
8,301 |
|
|
|
9,472 |
|
|
|
9,107 |
|
|
|
8,843 |
|
|
|
26,322 |
|
|
|
21,915 |
|
抵押贷款银行业务,净值 |
|
|
14,004 |
|
|
|
17,333 |
|
|
|
20,804 |
|
|
|
28,155 |
|
|
|
36,439 |
|
|
|
52,141 |
|
|
|
97,667 |
|
保险佣金 |
|
|
12,133 |
|
|
|
12,217 |
|
|
|
12,445 |
|
|
|
10,196 |
|
|
|
11,562 |
|
|
|
36,795 |
|
|
|
34,980 |
|
财富管理 |
|
|
9,071 |
|
|
|
8,946 |
|
|
|
8,416 |
|
|
|
7,838 |
|
|
|
7,679 |
|
|
|
26,433 |
|
|
|
23,787 |
|
其他,净额 |
|
|
1,481 |
|
|
|
2,001 |
|
|
|
2,090 |
|
|
|
2,538 |
|
|
|
1,601 |
|
|
|
5,572 |
|
|
|
6,121 |
|
非利息收入总额 |
|
|
54,149 |
|
|
|
56,411 |
|
|
|
60,583 |
|
|
|
66,117 |
|
|
|
73,701 |
|
|
|
171,143 |
|
|
|
208,476 |
|
薪金和员工福利 |
|
|
74,623 |
|
|
|
70,115 |
|
|
|
71,162 |
|
|
|
69,660 |
|
|
|
67,342 |
|
|
|
215,900 |
|
|
|
202,597 |
|
服务和费用 |
|
|
22,306 |
|
|
|
21,769 |
|
|
|
22,484 |
|
|
|
22,327 |
|
|
|
20,992 |
|
|
|
66,559 |
|
|
|
61,489 |
|
净入住率--房地 |
|
|
6,854 |
|
|
|
6,578 |
|
|
|
6,795 |
|
|
|
6,616 |
|
|
|
7,000 |
|
|
|
20,227 |
|
|
|
19,873 |
|
设备费用 |
|
|
5,941 |
|
|
|
5,567 |
|
|
|
6,244 |
|
|
|
6,213 |
|
|
|
5,828 |
|
|
|
17,752 |
|
|
|
17,064 |
|
其他房地产费用,净额 |
|
|
1,357 |
|
|
|
1,511 |
|
|
|
324 |
|
|
|
(812 |
) |
|
|
1,203 |
|
|
|
3,192 |
|
|
|
2,768 |
|
其他费用 |
|
|
18,519 |
|
|
|
13,139 |
|
|
|
14,539 |
|
|
|
15,890 |
|
|
|
14,598 |
|
|
|
46,197 |
|
|
|
42,616 |
|
总非利息费用 |
|
|
129,600 |
|
|
|
118,679 |
|
|
|
121,548 |
|
|
|
119,894 |
|
|
|
116,963 |
|
|
|
369,827 |
|
|
|
346,407 |
|
所得税和税前收入等式调整 |
|
|
29,303 |
|
|
|
59,575 |
|
|
|
64,133 |
|
|
|
66,040 |
|
|
|
67,158 |
|
|
|
153,011 |
|
|
|
135,765 |
|
税额调整 |
|
|
2,947 |
|
|
|
2,957 |
|
|
|
2,894 |
|
|
|
2,939 |
|
|
|
2,969 |
|
|
|
8,798 |
|
|
|
9,084 |
|
所得税前收入 |
|
|
26,356 |
|
|
|
56,618 |
|
|
|
61,239 |
|
|
|
63,101 |
|
|
|
64,189 |
|
|
|
144,213 |
|
|
|
126,681 |
|
所得税 |
|
|
5,156 |
|
|
|
8,637 |
|
|
|
9,277 |
|
|
|
11,884 |
|
|
|
9,749 |
|
|
|
23,070 |
|
|
|
17,873 |
|
净收入 |
|
$ |
21,200 |
|
|
$ |
47,981 |
|
|
$ |
51,962 |
|
|
$ |
51,217 |
|
|
$ |
54,440 |
|
|
$ |
121,143 |
|
|
$ |
108,808 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
每股数据 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
每股收益-基本 |
|
$ |
0.34 |
|
|
$ |
0.76 |
|
|
$ |
0.82 |
|
|
$ |
0.81 |
|
|
$ |
0.86 |
|
|
$ |
1.92 |
|
|
$ |
1.71 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
每股收益-稀释后 |
|
$ |
0.34 |
|
|
$ |
0.76 |
|
|
$ |
0.82 |
|
|
$ |
0.81 |
|
|
$ |
0.86 |
|
|
$ |
1.92 |
|
|
$ |
1.71 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
每股股息 |
|
$ |
0.23 |
|
|
$ |
0.23 |
|
|
$ |
0.23 |
|
|
$ |
0.23 |
|
|
$ |
0.23 |
|
|
$ |
0.69 |
|
|
$ |
0.69 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
加权平均流通股 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
基本信息 |
|
|
62,521,684 |
|
|
|
63,214,593 |
|
|
|
63,395,911 |
|
|
|
63,424,219 |
|
|
|
63,422,692 |
|
|
|
63,040,860 |
|
|
|
63,531,478 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
稀释 |
|
|
62,730,157 |
|
|
|
63,409,683 |
|
|
|
63,562,503 |
|
|
|
63,616,767 |
|
|
|
63,581,964 |
|
|
|
63,219,987 |
|
|
|
63,665,127 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
期末已发行股份 |
|
|
62,461,832 |
|
|
|
62,773,226 |
|
|
|
63,394,522 |
|
|
|
63,424,526 |
|
|
|
63,423,820 |
|
|
|
62,461,832 |
|
|
|
63,423,820 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)2021年第二季度,Trustmark将其与表外信用敞口相关的信用损失费用从非利息费用重新分类为信贷损失拨备、表外信用敞口。以前的期间已相应地重新分类。 |
|
请参阅综合财务附注
|
Trustmark公司及其子公司 |
|
|
合并财务信息 |
|
|
2021年9月30日 |
|
|
(千美元) |
|
|
(未经审计) |
|
|
截至的季度 |
|
|
|
|
|
|
|
|
|
|||||||||||||||||
不良资产(1) |
|
9/30/2021 |
|
|
6/30/2021 |
|
|
3/31/2021 |
|
|
12/31/2020 |
|
|
9/30/2020 |
|
|
|
|
|
|
|
|
|
|||||
非应计项目LHFI |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
阿拉巴马州 |
|
$ |
9,223 |
|
|
$ |
8,952 |
|
|
$ |
9,161 |
|
|
$ |
9,221 |
|
|
$ |
3,860 |
|
|
|
|
|
|
|
|
|
弗罗里达 |
|
|
381 |
|
|
|
467 |
|
|
|
607 |
|
|
|
572 |
|
|
|
617 |
|
|
|
|
|
|
|
|
|
密西西比州(2) |
|
|
22,898 |
|
|
|
23,422 |
|
|
|
35,534 |
|
|
|
35,015 |
|
|
|
35,617 |
|
|
|
|
|
|
|
|
|
田纳西州(3) |
|
|
10,356 |
|
|
|
10,751 |
|
|
|
12,451 |
|
|
|
12,572 |
|
|
|
13,041 |
|
|
|
|
|
|
|
|
|
德克萨斯州 |
|
|
23,382 |
|
|
|
7,856 |
|
|
|
5,761 |
|
|
|
5,748 |
|
|
|
721 |
|
|
|
|
|
|
|
|
|
非应计LHFI总额 |
|
|
66,240 |
|
|
|
51,448 |
|
|
|
63,514 |
|
|
|
63,128 |
|
|
|
53,856 |
|
|
|
|
|
|
|
|
|
其他房地产 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
阿拉巴马州 |
|
|
613 |
|
|
|
2,830 |
|
|
|
3,085 |
|
|
|
3,271 |
|
|
|
3,725 |
|
|
|
|
|
|
|
|
|
弗罗里达 |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
3,665 |
|
|
|
|
|
|
|
|
|
密西西比州(2) |
|
|
5,600 |
|
|
|
6,550 |
|
|
|
7,566 |
|
|
|
8,330 |
|
|
|
8,718 |
|
|
|
|
|
|
|
|
|
田纳西州(3) |
|
|
— |
|
|
|
59 |
|
|
|
— |
|
|
|
50 |
|
|
|
140 |
|
|
|
|
|
|
|
|
|
德克萨斯州 |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
|
|
|
|
|
|
其他房地产合计 |
|
|
6,213 |
|
|
|
9,439 |
|
|
|
10,651 |
|
|
|
11,651 |
|
|
|
16,248 |
|
|
|
|
|
|
|
|
|
不良资产总额 |
|
$ |
72,453 |
|
|
$ |
60,887 |
|
|
$ |
74,165 |
|
|
$ |
74,779 |
|
|
$ |
70,104 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
逾期90天以上的贷款(1) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
LHFI |
|
$ |
625 |
|
|
$ |
423 |
|
|
$ |
2,593 |
|
|
$ |
1,576 |
|
|
$ |
782 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
LHFS担保的GNMA服务贷款 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(无回购义务) |
|
$ |
75,091 |
|
|
$ |
81,538 |
|
|
$ |
109,566 |
|
|
$ |
119,409 |
|
|
$ |
121,281 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
截至的季度 |
|
|
截至9个月 |
|
||||||||||||||||||||||
ACL LHFI(1) |
|
9/30/2021 |
|
|
6/30/2021 |
|
|
3/31/2021 |
|
|
12/31/2020 |
|
|
9/30/2020 |
|
|
9/30/2021 |
|
|
9/30/2020 |
|
|||||||
期初余额 |
|
$ |
104,032 |
|
|
$ |
109,191 |
|
|
$ |
117,306 |
|
|
$ |
122,010 |
|
|
$ |
119,188 |
|
|
$ |
117,306 |
|
|
$ |
84,277 |
|
CECL采用调整: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
LHFI |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
(3,039 |
) |
获得的贷款转账 |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
1,822 |
|
信贷损失准备金 |
|
|
(2,492 |
) |
|
|
(3,991 |
) |
|
|
(10,501 |
) |
|
|
(4,413 |
) |
|
|
1,760 |
|
|
|
(16,984 |
) |
|
|
40,526 |
|
冲销 |
|
|
(1,586 |
) |
|
|
(4,828 |
) |
|
|
(1,245 |
) |
|
|
(2,797 |
) |
|
|
(1,263 |
) |
|
|
(7,659 |
) |
|
|
(8,678 |
) |
恢复 |
|
|
4,119 |
|
|
|
3,660 |
|
|
|
3,631 |
|
|
|
2,506 |
|
|
|
2,325 |
|
|
|
11,410 |
|
|
|
7,102 |
|
净(冲销)回收 |
|
|
2,533 |
|
|
|
(1,168 |
) |
|
|
2,386 |
|
|
|
(291 |
) |
|
|
1,062 |
|
|
|
3,751 |
|
|
|
(1,576 |
) |
期末余额 |
|
$ |
104,073 |
|
|
$ |
104,032 |
|
|
$ |
109,191 |
|
|
$ |
117,306 |
|
|
$ |
122,010 |
|
|
$ |
104,073 |
|
|
$ |
122,010 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净(冲销)回收(1) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
阿拉巴马州 |
|
$ |
247 |
|
|
$ |
203 |
|
|
$ |
102 |
|
|
$ |
(1,011 |
) |
|
$ |
117 |
|
|
$ |
552 |
|
|
$ |
(437 |
) |
弗罗里达 |
|
|
356 |
|
|
|
167 |
|
|
|
30 |
|
|
|
66 |
|
|
|
387 |
|
|
|
553 |
|
|
|
324 |
|
密西西比州(2) |
|
|
1,436 |
|
|
|
(3,071 |
) |
|
|
2,207 |
|
|
|
332 |
|
|
|
442 |
|
|
|
572 |
|
|
|
482 |
|
田纳西州(3) |
|
|
(8 |
) |
|
|
1,031 |
|
|
|
47 |
|
|
|
303 |
|
|
|
42 |
|
|
|
1,070 |
|
|
|
(2,078 |
) |
德克萨斯州 |
|
|
502 |
|
|
|
502 |
|
|
|
— |
|
|
|
19 |
|
|
|
74 |
|
|
|
1,004 |
|
|
|
133 |
|
净(冲销)回收总额 |
|
$ |
2,533 |
|
|
$ |
(1,168 |
) |
|
$ |
2,386 |
|
|
$ |
(291 |
) |
|
$ |
1,062 |
|
|
$ |
3,751 |
|
|
$ |
(1,576 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)不包括购买力平价贷款。 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||
(2)密西西比州包括密西西比州中部和南部地区。 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||
(3)田纳西州包括孟菲斯、田纳西州和密西西比州北部地区。 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
请参阅综合财务附注
|
Trustmark公司及其子公司 |
|
|
合并财务信息 |
|
|
2021年9月30日 |
|
|
(未经审计) |
|
|
|
|
|
截至的季度 |
|
|
截至9个月 |
|
||||||||||||||||||||||
财务比率和其他数据 |
|
9/30/2021 |
|
|
6/30/2021 |
|
|
3/31/2021 |
|
|
12/31/2020 |
|
|
9/30/2020 |
|
|
9/30/2021 |
|
|
9/30/2020 |
|
|||||||
平均股本回报率 |
|
|
4.72 |
% |
|
|
10.81 |
% |
|
|
11.98 |
% |
|
|
11.81 |
% |
|
|
12.78 |
% |
|
|
9.13 |
% |
|
|
8.72 |
% |
平均有形权益回报率 |
|
|
6.16 |
% |
|
|
13.96 |
% |
|
|
15.56 |
% |
|
|
15.47 |
% |
|
|
16.82 |
% |
|
|
11.84 |
% |
|
|
11.57 |
% |
平均资产回报率 |
|
|
0.49 |
% |
|
|
1.13 |
% |
|
|
1.26 |
% |
|
|
1.28 |
% |
|
|
1.37 |
% |
|
|
0.96 |
% |
|
|
0.97 |
% |
利差-收益率-FTE |
|
|
2.70 |
% |
|
|
3.33 |
% |
|
|
3.00 |
% |
|
|
3.35 |
% |
|
|
3.26 |
% |
|
|
3.01 |
% |
|
|
3.55 |
% |
利差-成本 |
|
|
0.14 |
% |
|
|
0.17 |
% |
|
|
0.19 |
% |
|
|
0.21 |
% |
|
|
0.23 |
% |
|
|
0.17 |
% |
|
|
0.34 |
% |
净息差(简写为FTE) |
|
|
2.57 |
% |
|
|
3.16 |
% |
|
|
2.81 |
% |
|
|
3.15 |
% |
|
|
3.03 |
% |
|
|
2.84 |
% |
|
|
3.21 |
% |
效率比(1) |
|
|
74.10 |
% |
|
|
64.31 |
% |
|
|
71.84 |
% |
|
|
65.59 |
% |
|
|
62.19 |
% |
|
|
69.85 |
% |
|
|
62.59 |
% |
相当于全职雇员 |
|
|
2,680 |
|
|
|
2,772 |
|
|
|
2,793 |
|
|
|
2,797 |
|
|
|
2,807 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
信用质量比率(2) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净(回收)冲销/平均贷款 |
|
|
-0.10 |
% |
|
|
0.05 |
% |
|
|
-0.09 |
% |
|
|
0.01 |
% |
|
|
-0.04 |
% |
|
|
-0.05 |
% |
|
|
0.02 |
% |
信贷损失准备金,LHFI/平均贷款 |
|
|
-0.10 |
% |
|
|
-0.16 |
% |
|
|
-0.41 |
% |
|
|
-0.17 |
% |
|
|
0.07 |
% |
|
|
-0.22 |
% |
|
|
0.55 |
% |
非权责发生制LHFI/(LHFI+LHFS) |
|
|
0.63 |
% |
|
|
0.49 |
% |
|
|
0.61 |
% |
|
|
0.61 |
% |
|
|
0.52 |
% |
|
|
|
|
|
|
|
|
不良资产/(LHFI+LHFS) |
|
|
0.69 |
% |
|
|
0.58 |
% |
|
|
0.71 |
% |
|
|
0.73 |
% |
|
|
0.68 |
% |
|
|
|
|
|
|
|
|
不良资产/(LHFI+LHFS+其他房地产) |
|
|
0.69 |
% |
|
|
0.58 |
% |
|
|
0.71 |
% |
|
|
0.73 |
% |
|
|
0.68 |
% |
|
|
|
|
|
|
|
|
ACL LHFI/LHFI |
|
|
1.02 |
% |
|
|
1.02 |
% |
|
|
1.09 |
% |
|
|
1.19 |
% |
|
|
1.24 |
% |
|
|
|
|
|
|
|
|
ACL LHFI-商业/商业LHFI |
|
|
1.05 |
% |
|
|
1.04 |
% |
|
|
1.13 |
% |
|
|
1.20 |
% |
|
|
1.20 |
% |
|
|
|
|
|
|
|
|
ACL LHFI-消费者/消费者和住房抵押贷款LHFI |
|
|
0.91 |
% |
|
|
0.98 |
% |
|
|
0.95 |
% |
|
|
1.16 |
% |
|
|
1.41 |
% |
|
|
|
|
|
|
|
|
ACL LHFI/非应计LHFI |
|
|
157.11 |
% |
|
|
202.21 |
% |
|
|
171.92 |
% |
|
|
185.82 |
% |
|
|
226.55 |
% |
|
|
|
|
|
|
|
|
ACL LHFI/非应计LHFI(不包括单独评估的贷款) |
|
|
520.77 |
% |
|
|
537.35 |
% |
|
|
437.08 |
% |
|
|
572.69 |
% |
|
|
593.72 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
资本比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总股本/总资产 |
|
|
10.19 |
% |
|
|
10.41 |
% |
|
|
10.43 |
% |
|
|
10.52 |
% |
|
|
10.99 |
% |
|
|
|
|
|
|
|
|
有形权益/有形资产 |
|
|
8.12 |
% |
|
|
8.31 |
% |
|
|
8.30 |
% |
|
|
8.34 |
% |
|
|
8.68 |
% |
|
|
|
|
|
|
|
|
有形权益/风险加权资产 |
|
|
11.19 |
% |
|
|
11.33 |
% |
|
|
11.23 |
% |
|
|
11.22 |
% |
|
|
11.01 |
% |
|
|
|
|
|
|
|
|
第1级杠杆率 |
|
|
8.92 |
% |
|
|
9.00 |
% |
|
|
9.11 |
% |
|
|
9.33 |
% |
|
|
9.20 |
% |
|
|
|
|
|
|
|
|
普通股一级资本比率 |
|
|
11.68 |
% |
|
|
11.76 |
% |
|
|
11.71 |
% |
|
|
11.62 |
% |
|
|
11.36 |
% |
|
|
|
|
|
|
|
|
一级风险资本比率 |
|
|
12.17 |
% |
|
|
12.25 |
% |
|
|
12.20 |
% |
|
|
12.11 |
% |
|
|
11.86 |
% |
|
|
|
|
|
|
|
|
总风险资本比率 |
|
|
14.01 |
% |
|
|
14.10 |
% |
|
|
14.07 |
% |
|
|
14.12 |
% |
|
|
12.88 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
股票表现 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
市值-收盘价 |
|
$ |
32.22 |
|
|
$ |
30.80 |
|
|
$ |
33.66 |
|
|
$ |
27.31 |
|
|
$ |
21.41 |
|
|
|
|
|
|
|
|
|
账面价值 |
|
$ |
28.32 |
|
|
$ |
28.35 |
|
|
$ |
27.76 |
|
|
$ |
27.45 |
|
|
$ |
26.96 |
|
|
|
|
|
|
|
|
|
有形账面价值 |
|
$ |
22.08 |
|
|
$ |
22.13 |
|
|
$ |
21.59 |
|
|
$ |
21.26 |
|
|
$ |
20.76 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
(1)关于Trustmark效率比率的计算,请参阅合并财务附注中的注释10-非GAAP财务计量。 |
|
|
|
|||||||||||||||||||||||||
(2)不包括购买力平价贷款。 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||
|
|
|
|
请参阅综合财务附注
|
Trustmark公司及其子公司 |
|
|
综合财务报表附注 |
|
|
2021年9月30日 |
|
|
(千美元) |
|
|
(未经审计) |
注1-规管事宜
2021年10月22日,Trustmark Corporation的子公司Trustmark National Bank(TNB)发布了一份新闻稿,宣布它与货币监理署(OCC)签订了同意令,并与美国司法部(DoJ)和消费者金融保护局(CFPB)共同签署了单独的同意令,以解决TNB之前违反公平住房法(FHA)、平等信贷机会法(ECOA)的指控。
根据司法部和CFPB的联合同意令,TNB将支付总计500万美元的民事罚款,其中400万美元将满足OCC同意令中规定的民事罚款,其余100万美元将支付给CFPB。联合同意令还要求TNB实施双方商定的公平贷款计划,在五年内向贷款补贴基金投资385万美元,以增加黑人和西班牙裔社区居民的信贷机会,并在五年内至少投入40万美元用于社区发展伙伴关系捐款,并在五年内每年投入20万美元用于TNB的孟菲斯贷款区(同意令中定义为田纳西州谢尔比县和费耶特县)的广告、社区推广以及信用修复和教育TNB还将开设一个新的抵押贷款制作办公室,以满足TNB孟菲斯贷款区黑人和西班牙裔占多数的社区居民的信贷需求。此外,TNB将继续保留其全职社区贷款经理职位和全职社区发展经理职位,这两个职位都专注于孟菲斯MSA。
联合同意令必须得到田纳西州西区美国地区法院的批准。
注2-Paycheck保护计划
2021年6月30日,Trustmark宣布将其全资子公司TNB于2021年发放的几乎所有PPP贷款出售给在PPP贷款方面拥有丰富专业知识的Loan Source,Inc.(Loan Source)公司。作为这项交易的结果,Loan Source将负责它从Trustmark获得的贷款的服务和免除过程。这笔交易将使Trustmark能够专注于更传统的贷款努力,并在经济环境不断改善的情况下提高向客户提供金融服务的能力。
由于出售了约3.542亿美元的PPP贷款,Trustmark在2021年第二季度加快了对扣除成本的未摊销PPP贷款发放费的确认,净额约为1860万美元。这一收入与Trustmark预计在此次交易中出售的购买力平价贷款到期或免除后将确认的收入基本相同,因此这笔交易有助于加快第二季度未来预期的收入。
截至2021年9月30日,根据CARE法案,Trustmark的PPP未偿还贷款总额为4650万美元(扣除递延费用和成本后的净额为79.8万美元)。由于购买力平价贷款的金额和性质,这些贷款没有包括在LHFI投资组合中,并在随附的综合资产负债表中单独列示。购买力平价贷款由小企业管理局提供全额担保;因此,没有估算这些贷款的ACL。
附注3-可供出售并持有至到期的证券
下表为可供出售证券的估计公允价值和持有至到期证券的摊余成本摘要:
|
|
9/30/2021 |
|
|
6/30/2021 |
|
|
3/31/2021 |
|
|
12/31/2020 |
|
|
9/30/2020 |
|
|||||
可供出售的证券 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
美国国债 |
|
$ |
278,615 |
|
|
$ |
30,025 |
|
|
$ |
— |
|
|
$ |
— |
|
|
$ |
— |
|
美国政府机构的义务 |
|
|
14,979 |
|
|
|
16,023 |
|
|
|
17,349 |
|
|
|
18,041 |
|
|
|
19,011 |
|
国家和政治分区的义务 |
|
|
5,734 |
|
|
|
5,807 |
|
|
|
5,798 |
|
|
|
5,835 |
|
|
|
8,315 |
|
抵押贷款支持证券 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
住宅按揭传递证券 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
由GNMA担保 |
|
|
43,860 |
|
|
|
48,445 |
|
|
|
52,406 |
|
|
|
56,862 |
|
|
|
62,156 |
|
由FNMA和FHLMC发布 |
|
|
2,187,412 |
|
|
|
1,983,783 |
|
|
|
1,749,144 |
|
|
|
1,441,321 |
|
|
|
1,279,919 |
|
其他住房抵押贷款支持证券 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
由FNMA、FHLMC或GNMA发行或担保 |
|
|
236,885 |
|
|
|
283,988 |
|
|
|
345,869 |
|
|
|
419,437 |
|
|
|
500,858 |
|
商业抵押贷款支持证券 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
由FNMA、FHLMC或GNMA发行或担保 |
|
|
290,120 |
|
|
|
180,668 |
|
|
|
167,110 |
|
|
|
50,319 |
|
|
|
52,469 |
|
可供出售的证券总额 |
|
$ |
3,057,605 |
|
|
$ |
2,548,739 |
|
|
$ |
2,337,676 |
|
|
$ |
1,991,815 |
|
|
$ |
1,922,728 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
持有至到期的证券 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
国家和政治分区的义务 |
|
$ |
10,683 |
|
|
$ |
12,994 |
|
|
$ |
26,554 |
|
|
$ |
26,584 |
|
|
$ |
31,605 |
|
抵押贷款支持证券 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
住宅按揭传递证券 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
由GNMA担保 |
|
|
5,912 |
|
|
|
6,249 |
|
|
|
7,268 |
|
|
|
7,598 |
|
|
|
8,244 |
|
由FNMA和FHLMC发布 |
|
|
48,554 |
|
|
|
53,406 |
|
|
|
61,855 |
|
|
|
67,944 |
|
|
|
78,213 |
|
其他住房抵押贷款支持证券 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
由FNMA、FHLMC或GNMA发行或担保 |
|
|
264,638 |
|
|
|
291,477 |
|
|
|
324,360 |
|
|
|
360,361 |
|
|
|
399,400 |
|
商业抵押贷款支持证券 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
由FNMA、FHLMC或GNMA发行或担保 |
|
|
65,118 |
|
|
|
68,886 |
|
|
|
73,701 |
|
|
|
75,585 |
|
|
|
93,818 |
|
持有至到期的证券总额 |
|
$ |
394,905 |
|
|
$ |
433,012 |
|
|
$ |
493,738 |
|
|
$ |
538,072 |
|
|
$ |
611,280 |
|
截至2021年9月30日,包括在相应资产负债表中先前从可供出售证券转移到到期的证券的累计其他全面收益(亏损)中的未摊销未实现净亏损总计约680万美元(税后净额为510万美元)。
|
Trustmark公司及其子公司 |
|
|
综合财务报表附注 |
|
|
2021年9月30日 |
|
|
(千美元) |
|
|
(未经审计) |
附注3-可供出售并持有至到期的证券(续)
管理层继续将资产质量作为证券投资组合的战略目标之一,这一点从投资组合中98.5%的投资于GSE支持债券和穆迪确定的其他AAA评级证券就可见一斑。Trustmark拥有的证券中没有一种是以被认为是次贷的资产为抵押的。此外,除了持有达拉斯联邦住房贷款银行、亚特兰大联邦住房贷款银行和联邦储备银行的股份外,Trustmark并不持有GSE的任何其他股权投资。
附注4-贷款组合
在本报告所述期间,LHFI包括以下内容:
按类型划分的LHFI |
|
9/30/2021 |
|
|
6/30/2021 |
|
|
3/31/2021 |
|
|
12/31/2020 |
|
|
9/30/2020 |
|
|||||
以房地产为抵押的贷款: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
建设、土地开发和其他土地贷款 |
|
$ |
1,286,613 |
|
|
$ |
1,360,302 |
|
|
$ |
1,342,088 |
|
|
$ |
1,309,039 |
|
|
$ |
1,385,947 |
|
由1-4个家庭住宅物业担保 |
|
|
1,891,292 |
|
|
|
1,810,396 |
|
|
|
1,742,782 |
|
|
|
1,741,132 |
|
|
|
1,775,400 |
|
由非农业、非住宅物业保护 |
|
|
2,924,953 |
|
|
|
2,819,662 |
|
|
|
2,799,195 |
|
|
|
2,709,026 |
|
|
|
2,707,627 |
|
其他有担保的房地产 |
|
|
986,163 |
|
|
|
1,078,622 |
|
|
|
1,135,005 |
|
|
|
1,065,964 |
|
|
|
887,792 |
|
商业和工业贷款 |
|
|
1,327,211 |
|
|
|
1,326,605 |
|
|
|
1,323,277 |
|
|
|
1,309,078 |
|
|
|
1,398,468 |
|
消费贷款 |
|
|
157,963 |
|
|
|
153,519 |
|
|
|
153,267 |
|
|
|
161,174 |
|
|
|
160,960 |
|
国家和其他政治分区贷款 |
|
|
1,125,186 |
|
|
|
1,136,764 |
|
|
|
1,036,694 |
|
|
|
1,000,776 |
|
|
|
935,349 |
|
其他贷款 |
|
|
475,518 |
|
|
|
466,999 |
|
|
|
451,396 |
|
|
|
528,335 |
|
|
|
596,185 |
|
LHFI |
|
|
10,174,899 |
|
|
|
10,152,869 |
|
|
|
9,983,704 |
|
|
|
9,824,524 |
|
|
|
9,847,728 |
|
ACL LHFI |
|
|
(104,073 |
) |
|
|
(104,032 |
) |
|
|
(109,191 |
) |
|
|
(117,306 |
) |
|
|
(122,010 |
) |
净LHFI |
|
$ |
10,070,826 |
|
|
$ |
10,048,837 |
|
|
$ |
9,874,513 |
|
|
$ |
9,707,218 |
|
|
$ |
9,725,718 |
|
下表列出了截至2021年9月30日按地区划分的LHFI构成,并反映了每个地区多样化的贷款组合:
|
|
2021年9月30日 |
|
|||||||||||||||||||||
LHFI-按区域划分的组成 |
|
总计 |
|
|
阿拉巴马州 |
|
|
弗罗里达 |
|
|
密西西比州 (中环及 南方 地区) |
|
|
田纳西州 (孟菲斯,田纳西州和 北极星移动通信系统 地区) |
|
|
德克萨斯州 |
|
||||||
以房地产为抵押的贷款: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
建设、土地开发和其他土地贷款 |
|
$ |
1,286,613 |
|
|
$ |
554,207 |
|
|
$ |
45,335 |
|
|
$ |
374,064 |
|
|
$ |
38,583 |
|
|
$ |
274,424 |
|
由1-4个家庭住宅物业担保 |
|
|
1,891,292 |
|
|
|
109,986 |
|
|
|
39,699 |
|
|
|
1,659,289 |
|
|
|
68,123 |
|
|
|
14,195 |
|
由非农业、非住宅物业保护 |
|
|
2,924,953 |
|
|
|
834,328 |
|
|
|
259,997 |
|
|
|
1,089,333 |
|
|
|
174,338 |
|
|
|
566,957 |
|
其他有担保的房地产 |
|
|
986,163 |
|
|
|
221,832 |
|
|
|
6,154 |
|
|
|
303,760 |
|
|
|
19,850 |
|
|
|
434,567 |
|
商业和工业贷款 |
|
|
1,327,211 |
|
|
|
230,698 |
|
|
|
23,678 |
|
|
|
597,197 |
|
|
|
276,876 |
|
|
|
198,762 |
|
消费贷款 |
|
|
157,963 |
|
|
|
22,125 |
|
|
|
8,403 |
|
|
|
101,034 |
|
|
|
19,398 |
|
|
|
7,003 |
|
国家和其他政治分区贷款 |
|
|
1,125,186 |
|
|
|
101,679 |
|
|
|
54,619 |
|
|
|
734,853 |
|
|
|
37,408 |
|
|
|
196,627 |
|
其他贷款 |
|
|
475,518 |
|
|
|
74,703 |
|
|
|
11,903 |
|
|
|
289,739 |
|
|
|
69,725 |
|
|
|
29,448 |
|
贷款 |
|
$ |
10,174,899 |
|
|
$ |
2,149,558 |
|
|
$ |
449,788 |
|
|
$ |
5,149,269 |
|
|
$ |
704,301 |
|
|
$ |
1,721,983 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
按地区分列的建设、土地开发和其他土地贷款 |
|
|
|
|
|
|
|
|
|
|||||||||||||||
地段 |
|
$ |
60,804 |
|
|
$ |
27,014 |
|
|
$ |
8,676 |
|
|
$ |
17,782 |
|
|
$ |
905 |
|
|
$ |
6,427 |
|
发展 |
|
|
124,213 |
|
|
|
48,692 |
|
|
|
612 |
|
|
|
46,452 |
|
|
|
13,016 |
|
|
|
15,441 |
|
未改良的土地 |
|
|
93,283 |
|
|
|
28,095 |
|
|
|
12,146 |
|
|
|
28,601 |
|
|
|
11,187 |
|
|
|
13,254 |
|
1-4个家庭建设 |
|
|
281,504 |
|
|
|
147,073 |
|
|
|
19,485 |
|
|
|
70,508 |
|
|
|
12,528 |
|
|
|
31,910 |
|
其他建筑 |
|
|
726,809 |
|
|
|
303,333 |
|
|
|
4,416 |
|
|
|
210,721 |
|
|
|
947 |
|
|
|
207,392 |
|
建设、土地开发和其他土地贷款 |
|
$ |
1,286,613 |
|
|
$ |
554,207 |
|
|
$ |
45,335 |
|
|
$ |
374,064 |
|
|
$ |
38,583 |
|
|
$ |
274,424 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Trustmark公司及其子公司 |
|
|
综合财务报表附注 |
|
|
2021年9月30日 |
|
|
(千美元) |
|
|
(未经审计) |
注4--贷款构成(续)
|
|
2021年9月30日 |
|
|||||||||||||||||||||
|
|
总计 |
|
|
阿拉巴马州 |
|
|
弗罗里达 |
|
|
密西西比州 (中环及 南方 地区) |
|
|
田纳西州 (孟菲斯,田纳西州和 北极星移动通信系统 地区) |
|
|
德克萨斯州 |
|
||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
按地区划分的非农、非住宅物业抵押贷款 |
|
|
|
|
|
|
|
|
|
|||||||||||||||
非所有者占用: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
零售 |
|
$ |
384,940 |
|
|
$ |
155,375 |
|
|
$ |
32,778 |
|
|
$ |
105,444 |
|
|
$ |
18,285 |
|
|
$ |
73,058 |
|
办公室 |
|
|
215,297 |
|
|
|
52,628 |
|
|
|
23,835 |
|
|
|
67,094 |
|
|
|
11,714 |
|
|
|
60,026 |
|
酒店/汽车旅馆 |
|
|
347,023 |
|
|
|
176,352 |
|
|
|
76,664 |
|
|
|
47,229 |
|
|
|
32,638 |
|
|
|
14,140 |
|
微型存储 |
|
|
130,853 |
|
|
|
22,757 |
|
|
|
2,227 |
|
|
|
76,790 |
|
|
|
632 |
|
|
|
28,447 |
|
工业 |
|
|
246,576 |
|
|
|
57,901 |
|
|
|
20,755 |
|
|
|
62,071 |
|
|
|
137 |
|
|
|
105,712 |
|
医疗保健 |
|
|
59,676 |
|
|
|
39,225 |
|
|
|
1,140 |
|
|
|
16,755 |
|
|
|
370 |
|
|
|
2,186 |
|
便利店 |
|
|
23,047 |
|
|
|
8,010 |
|
|
|
683 |
|
|
|
3,627 |
|
|
|
1,194 |
|
|
|
9,533 |
|
养老院/老年生活 |
|
|
204,678 |
|
|
|
106,572 |
|
|
|
— |
|
|
|
71,672 |
|
|
|
6,434 |
|
|
|
20,000 |
|
其他 |
|
|
76,742 |
|
|
|
16,021 |
|
|
|
7,388 |
|
|
|
31,370 |
|
|
|
10,939 |
|
|
|
11,024 |
|
非业主自用贷款总额 |
|
|
1,688,832 |
|
|
|
634,841 |
|
|
|
165,470 |
|
|
|
482,052 |
|
|
|
82,343 |
|
|
|
324,126 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
业主自住: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
办公室 |
|
|
167,713 |
|
|
|
37,485 |
|
|
|
42,334 |
|
|
|
49,810 |
|
|
|
9,794 |
|
|
|
28,290 |
|
教堂 |
|
|
96,810 |
|
|
|
19,892 |
|
|
|
6,089 |
|
|
|
48,537 |
|
|
|
9,352 |
|
|
|
12,940 |
|
工业仓库 |
|
|
178,394 |
|
|
|
11,807 |
|
|
|
2,989 |
|
|
|
50,594 |
|
|
|
18,686 |
|
|
|
94,318 |
|
医疗保健 |
|
|
143,180 |
|
|
|
12,033 |
|
|
|
6,915 |
|
|
|
107,190 |
|
|
|
2,296 |
|
|
|
14,746 |
|
便利店 |
|
|
141,490 |
|
|
|
16,155 |
|
|
|
13,945 |
|
|
|
68,325 |
|
|
|
489 |
|
|
|
42,576 |
|
零售 |
|
|
75,640 |
|
|
|
13,214 |
|
|
|
13,577 |
|
|
|
20,040 |
|
|
|
12,035 |
|
|
|
16,774 |
|
餐饮业 |
|
|
56,892 |
|
|
|
3,750 |
|
|
|
4,545 |
|
|
|
31,612 |
|
|
|
13,585 |
|
|
|
3,400 |
|
汽车经销商 |
|
|
56,403 |
|
|
|
6,358 |
|
|
|
261 |
|
|
|
25,240 |
|
|
|
24,544 |
|
|
|
— |
|
养老院/老年生活 |
|
|
211,190 |
|
|
|
73,078 |
|
|
|
— |
|
|
|
138,112 |
|
|
|
— |
|
|
|
— |
|
其他 |
|
|
108,409 |
|
|
|
5,715 |
|
|
|
3,872 |
|
|
|
67,821 |
|
|
|
1,214 |
|
|
|
29,787 |
|
业主自住贷款总额 |
|
|
1,236,121 |
|
|
|
199,487 |
|
|
|
94,527 |
|
|
|
607,281 |
|
|
|
91,995 |
|
|
|
242,831 |
|
以非农业、非住宅物业为抵押的贷款 |
|
$ |
2,924,953 |
|
|
$ |
834,328 |
|
|
$ |
259,997 |
|
|
$ |
1,089,333 |
|
|
$ |
174,338 |
|
|
$ |
566,957 |
|
附注5-附属票据
在2020年第四季度,Trustmark同意发行和出售2030年12月1日到期的3.625%固定利率至浮动利率次级债券(以下简称债券),本金总额为1.25亿美元。截至二零二一年九月三十日,该批债券的账面金额为1.23亿元。票据为无抵押债务,在偿付权上从属于Trustmark现有和未来的所有优先债务,无论是有担保的还是无担保的。票据仅是Trustmark的义务,不是其任何子公司(包括TNB)的义务,也不受其担保。由发行日期起至二零二五年十一月三十日止,该批债券的固定息率为年息3.625厘,每半年派息一次,分别於每年的六月一日及十二月一日派息一次。由二零二五年十二月一日开始,该批债券将以相等於基准利率的浮动利率计算利息,基准利率为三个月期有抵押隔夜融资利率加338.7个基点,每季派息一次,分别於每年3月1日、6月1日、9月1日及12月1日派息。这些票据有资格成为Trustmark的二级资本。在某些情况下,这些票据可由Trustmark选择赎回。Trustmark打算将净收益用于一般公司用途。
|
Trustmark公司及其子公司 |
|
|
综合财务报表附注 |
|
|
2021年9月30日 |
|
|
(千美元) |
|
|
(未经审计) |
附注6-盈利资产及有息负债的收益率
下表说明了按类别划分的收益资产收益率,以及在税额等值基础上支付的有息负债的税率:
|
|
截至的季度 |
|
|
截至9个月 |
|
||||||||||||||||||||||
|
|
9/30/2021 |
|
|
6/30/2021 |
|
|
3/31/2021 |
|
|
12/31/2020 |
|
|
9/30/2020 |
|
|
9/30/2021 |
|
|
9/30/2020 |
|
|||||||
证券--应纳税 |
|
|
1.28 |
% |
|
|
1.30 |
% |
|
|
1.40 |
% |
|
|
1.62 |
% |
|
|
2.02 |
% |
|
|
1.32 |
% |
|
|
2.14 |
% |
证券--免税 |
|
|
3.79 |
% |
|
|
3.70 |
% |
|
|
4.02 |
% |
|
|
3.89 |
% |
|
|
3.80 |
% |
|
|
3.88 |
% |
|
|
3.76 |
% |
证券-合计 |
|
|
1.29 |
% |
|
|
1.31 |
% |
|
|
1.43 |
% |
|
|
1.65 |
% |
|
|
2.05 |
% |
|
|
1.34 |
% |
|
|
2.17 |
% |
购买力平价贷款 |
|
|
4.98 |
% |
|
|
15.81 |
% |
|
|
6.27 |
% |
|
|
6.76 |
% |
|
|
2.84 |
% |
|
|
10.69 |
% |
|
|
2.76 |
% |
贷款-LHFI和LHFS |
|
|
3.59 |
% |
|
|
3.64 |
% |
|
|
3.67 |
% |
|
|
3.75 |
% |
|
|
3.81 |
% |
|
|
3.64 |
% |
|
|
4.12 |
% |
贷款-合计 |
|
|
3.61 |
% |
|
|
4.36 |
% |
|
|
3.81 |
% |
|
|
3.99 |
% |
|
|
3.73 |
% |
|
|
3.93 |
% |
|
|
4.05 |
% |
联邦基金抛售和逆回购 |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
1.32 |
% |
|
|
— |
|
|
|
0.69 |
% |
其他盈利资产 |
|
|
0.18 |
% |
|
|
0.11 |
% |
|
|
0.12 |
% |
|
|
0.12 |
% |
|
|
0.18 |
% |
|
|
0.14 |
% |
|
|
0.30 |
% |
盈利资产总额 |
|
|
2.70 |
% |
|
|
3.33 |
% |
|
|
3.00 |
% |
|
|
3.35 |
% |
|
|
3.26 |
% |
|
|
3.01 |
% |
|
|
3.55 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
有息存款 |
|
|
0.14 |
% |
|
|
0.19 |
% |
|
|
0.22 |
% |
|
|
0.27 |
% |
|
|
0.31 |
% |
|
|
0.18 |
% |
|
|
0.45 |
% |
联邦基金购买和回购 |
|
|
0.14 |
% |
|
|
0.14 |
% |
|
|
0.14 |
% |
|
|
0.13 |
% |
|
|
0.15 |
% |
|
|
0.14 |
% |
|
|
0.64 |
% |
其他借款 |
|
|
2.33 |
% |
|
|
2.29 |
% |
|
|
2.14 |
% |
|
|
1.61 |
% |
|
|
1.19 |
% |
|
|
2.25 |
% |
|
|
1.78 |
% |
有息负债总额 |
|
|
0.21 |
% |
|
|
0.25 |
% |
|
|
0.28 |
% |
|
|
0.30 |
% |
|
|
0.33 |
% |
|
|
0.24 |
% |
|
|
0.48 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净息差 |
|
|
2.57 |
% |
|
|
3.16 |
% |
|
|
2.81 |
% |
|
|
3.15 |
% |
|
|
3.03 |
% |
|
|
2.84 |
% |
|
|
3.21 |
% |
不包括购买力平价贷款和联邦储备银行余额的净息差 |
2.90 |
% |
|
|
2.94 |
% |
|
|
2.99 |
% |
|
|
3.09 |
% |
|
|
3.20 |
% |
|
|
2.94 |
% |
|
|
3.36 |
% |
上表反映的是盈利资产和负债的收益率,以及净息差,净息差等于报告的净利息收入-FTE,按年率计算,占平均盈利资产的百分比。此外,该表还包括不包括PPP贷款的净利差和亚特兰大联邦储备银行(FRB)持有的余额,这等于报告的净利息收入-不包括PPP贷款利息收入的FTE和FRB余额,按年率计算,占不包括平均PPP贷款和FRB余额的平均收益资产的百分比。
截至2021年9月30日和2021年6月30日,FRB的平均余额分别为19.96亿美元和17.亿美元,并计入随附的平均合并资产负债表中的其他盈利资产。
2021年第三季度,不包括PPP贷款和FRB余额的净息差总计2.90%,与2021年第二季度相比减少了4个基点。持续的低利率降低了持有的投资和待售贷款组合以及证券组合的收益率,并因计息存款成本下降而部分抵消了这一影响。
附注7-按揭银行业务
Trustmark利用一系列交易所交易的衍生工具,如国库券期货合约和期权合约,实现公允价值回报,以抵消可归因于利率的抵押贷款服务权(MSR)公允价值的变化。根据公认会计原则(GAAP),这些交易被认为是独立的衍生品,否则没有资格进行对冲会计。这些交易所交易衍生工具的公允价值变动,包括行政成本,计入抵押贷款银行的非利息收入净额,并被MSR的公允价值变动所抵消。MSR公允价值代表未来现金流的现值,其中包括衰退和利率变化的影响。对冲MSR公允价值的无效是通过比较对冲工具的价值变化与MSR资产的公允价值变化(可归因于利率变化和其他市场驱动的估值投入和假设变化)来衡量的。这一战略的影响导致2021年第三季度净正向无效14.4万美元。
|
Trustmark公司及其子公司 |
|
|
综合财务报表附注 |
|
|
2021年9月30日 |
|
|
(千美元) |
|
|
(未经审计) |
附注7-按揭银行业务(续)
下表说明了随附损益表中包括在非利息收入中的抵押贷款银行收入的组成部分:
|
|
截至的季度 |
|
|
截至9个月 |
|
||||||||||||||||||||||
|
|
9/30/2021 |
|
|
6/30/2021 |
|
|
3/31/2021 |
|
|
12/31/2020 |
|
|
9/30/2020 |
|
|
9/30/2021 |
|
|
9/30/2020 |
|
|||||||
抵押贷款服务收入净额 |
|
$ |
6,406 |
|
|
$ |
6,318 |
|
|
$ |
6,181 |
|
|
$ |
6,227 |
|
|
$ |
5,742 |
|
|
$ |
18,905 |
|
|
$ |
17,454 |
|
公允价值变动-来自径流的MSR |
|
|
(5,283 |
) |
|
|
(5,029 |
) |
|
|
(5,103 |
) |
|
|
(5,177 |
) |
|
|
(4,590 |
) |
|
|
(15,415 |
) |
|
|
(11,411 |
) |
贷款销售收益,净额 |
|
|
12,737 |
|
|
|
14,778 |
|
|
|
19,456 |
|
|
|
28,014 |
|
|
|
34,472 |
|
|
|
46,971 |
|
|
|
82,889 |
|
套期保值无效前的抵押贷款银行收入 |
|
|
13,860 |
|
|
|
16,067 |
|
|
|
20,534 |
|
|
|
29,064 |
|
|
|
35,624 |
|
|
|
50,461 |
|
|
|
88,932 |
|
公允价值变动-市场变动带来的MSR |
|
|
1,806 |
|
|
|
(4,465 |
) |
|
|
13,696 |
|
|
|
951 |
|
|
|
60 |
|
|
|
11,037 |
|
|
|
(27,098 |
) |
衍生工具公允价值变动 |
|
|
(1,662 |
) |
|
|
5,731 |
|
|
|
(13,426 |
) |
|
|
(1,860 |
) |
|
|
755 |
|
|
|
(9,357 |
) |
|
|
35,833 |
|
净正(负)对冲无效 |
|
|
144 |
|
|
|
1,266 |
|
|
|
270 |
|
|
|
(909 |
) |
|
|
815 |
|
|
|
1,680 |
|
|
|
8,735 |
|
抵押贷款银行业务,净值 |
|
$ |
14,004 |
|
|
$ |
17,333 |
|
|
$ |
20,804 |
|
|
$ |
28,155 |
|
|
$ |
36,439 |
|
|
$ |
52,141 |
|
|
$ |
97,667 |
|
附注8-薪金和雇员福利计划
提前退休计划
2021年6月,Trustmark宣布了一项自愿提前退休计划。一般来说,有资格参加的员工必须年满60岁,并有5年或以上的连续服务年限。这一计划的成本反映在Trustmark公司2021年第三季度收益中约570万美元的一次性费用(560万美元的工资和福利以及8.9万美元的其他杂项开支;或每股稀释后的税后净额0.07美元)。在2021年剩余时间和截至2022年的一年中,由于实施提前退休计划而节省的工资和员工福利费用预计分别约为130万美元(稀释后每股税后0.02美元)和430万美元(稀释后每股税后0.05美元)。
附注9--其他非利息收入和费用
本报告所述期间的其他非利息收入包括:
|
|
截至的季度 |
|
|
截至9个月 |
|
||||||||||||||||||||||
|
|
9/30/2021 |
|
|
6/30/2021 |
|
|
3/31/2021 |
|
|
12/31/2020 |
|
|
9/30/2020 |
|
|
9/30/2021 |
|
|
9/30/2020 |
|
|||||||
合伙企业为抵税目的摊销 |
|
$ |
(2,045 |
) |
|
$ |
(1,989 |
) |
|
$ |
(1,522 |
) |
|
$ |
(1,877 |
) |
|
$ |
(1,457 |
) |
|
$ |
(5,556 |
) |
|
$ |
(3,823 |
) |
增加人寿保险现金退保价值 |
|
|
1,663 |
|
|
|
1,653 |
|
|
|
1,639 |
|
|
|
1,708 |
|
|
|
1,755 |
|
|
|
4,955 |
|
|
|
5,173 |
|
其他杂项收入 |
|
|
1,863 |
|
|
|
2,337 |
|
|
|
1,973 |
|
|
|
2,707 |
|
|
|
1,303 |
|
|
|
6,173 |
|
|
|
4,771 |
|
其他合计(净额) |
|
$ |
1,481 |
|
|
$ |
2,001 |
|
|
$ |
2,090 |
|
|
$ |
2,538 |
|
|
$ |
1,601 |
|
|
$ |
5,572 |
|
|
$ |
6,121 |
|
Trustmark投资于在联邦和/或州基础上提供所得税抵免的合作伙伴关系(即新的市场税收抵免、低收入住房税收抵免和历史税收抵免)。与这些合伙企业相关的所得税抵免按照所得税法明确允许的方式使用,并记录为所得税费用的减少。
所列期间的其他非利息支出包括以下内容:
|
|
截至的季度 |
|
|
截至9个月 |
|
||||||||||||||||||||||
|
|
9/30/2021 |
|
|
6/30/2021 |
|
|
3/31/2021 |
|
|
12/31/2020 |
|
|
9/30/2020 |
|
|
9/30/2021 |
|
|
9/30/2020 |
|
|||||||
贷款费用 |
|
$ |
4,022 |
|
|
$ |
3,738 |
|
|
$ |
4,167 |
|
|
$ |
4,243 |
|
|
$ |
4,184 |
|
|
$ |
11,927 |
|
|
$ |
10,934 |
|
无形资产摊销 |
|
|
549 |
|
|
|
553 |
|
|
|
666 |
|
|
|
752 |
|
|
|
752 |
|
|
|
1,768 |
|
|
|
2,300 |
|
FDIC评估费用 |
|
|
1,275 |
|
|
|
1,225 |
|
|
|
1,540 |
|
|
|
1,500 |
|
|
|
1,410 |
|
|
|
4,040 |
|
|
|
4,590 |
|
监管结算费 |
|
|
5,000 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
5,000 |
|
|
|
— |
|
其他杂项费用 |
|
|
7,673 |
|
|
|
7,623 |
|
|
|
8,166 |
|
|
|
9,395 |
|
|
|
8,252 |
|
|
|
23,462 |
|
|
|
24,792 |
|
其他费用合计 |
|
$ |
18,519 |
|
|
$ |
13,139 |
|
|
$ |
14,539 |
|
|
$ |
15,890 |
|
|
$ |
14,598 |
|
|
$ |
46,197 |
|
|
$ |
42,616 |
|
2021年第三季度,其他支出包括500万美元的费用,以解决监管机构对公平贷款事项的指控。有关更多详情,请参阅注1-监管事项。
|
Trustmark公司及其子公司 |
|
|
综合财务报表附注 |
|
|
2021年9月30日 |
|
|
(千美元) |
|
|
(未经审计) |
附注10-非GAAP财务衡量标准
除了美国公认会计原则(GAAP)和银行业监管机构定义的资本比率外,Trustmark在评估资本利用率和充足性时还使用各种有形普通股权益衡量标准。Trustmark定义的有形普通股权益代表普通股权益减去商誉和可识别的无形资产。
Trustmark认为这些衡量标准很重要,因为它们反映了抵御意外市场状况的可用资本水平。此外,这些衡量标准的公布使读者能够将Trustmark资本的某些方面与其他组织进行比较。*这些比率与银行业监管机构定义的资本衡量标准的主要不同之处在于,分子不包括与优先证券相关的股东权益,不同组织的性质和程度各不相同。根据管理层的经验,许多股票分析师将有形普通股权益指标与更传统的银行资本比率结合使用,以比较拥有大量商誉或其他有形资产的银行机构的资本充足率,这些资产通常源于在合并和收购会计中使用购买会计方法。
这些计算旨在补充GAAP和银行业监管机构定义的资本比率。由于GAAP不包括这些资本比率衡量标准,Trustmark认为,对于这些有形普通股权益比率,没有可比的GAAP财务衡量标准。尽管这些衡量标准对Trustmark很重要,但没有标准化的定义,因此Trustmark的计算可能无法与其他组织进行比较。此外,这些衡量标准对投资者的有用性可能会受到限制。Trustmark鼓励读者整体考虑其合并财务报表,不要依赖任何单一的财务衡量标准。下表使Trustmark对这些衡量标准的计算与GAAP报告的金额一致。
|
Trustmark公司及其子公司 |
|
|
综合财务报表附注 |
|
|
2021年9月30日 |
|
|
($(千美元,每股数据除外) |
|
|
(未经审计) |
附注10--非GAAP财务衡量标准(续)
|
|
|
|
季度末 |
|
|
截至9个月 |
|
||||||||||||||||||||||
|
|
|
|
9/30/2021 |
|
|
6/30/2021 |
|
|
3/31/2021 |
|
|
12/31/2020 |
|
|
9/30/2020 |
|
|
9/30/2021 |
|
|
9/30/2020 |
|
|||||||
有形权益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
平均余额 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
股东权益总额 |
|
|
|
$ |
1,782,304 |
|
|
$ |
1,780,705 |
|
|
$ |
1,759,351 |
|
|
$ |
1,725,035 |
|
|
$ |
1,694,903 |
|
|
$ |
1,774,204 |
|
|
$ |
1,666,999 |
|
减去:商誉 |
|
|
|
|
(384,237 |
) |
|
|
(384,237 |
) |
|
|
(385,155 |
) |
|
|
(385,270 |
) |
|
|
(385,270 |
) |
|
|
(384,540 |
) |
|
|
(383,016 |
) |
可识别无形资产 |
|
|
|
|
(5,899 |
) |
|
|
(6,442 |
) |
|
|
(7,118 |
) |
|
|
(7,803 |
) |
|
|
(8,550 |
) |
|
|
(6,482 |
) |
|
|
(8,146 |
) |
总平均有形权益 |
|
|
|
$ |
1,392,168 |
|
|
$ |
1,390,026 |
|
|
$ |
1,367,078 |
|
|
$ |
1,331,962 |
|
|
$ |
1,301,083 |
|
|
$ |
1,383,182 |
|
|
$ |
1,275,837 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
期末余额 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
股东权益总额 |
|
|
|
$ |
1,768,947 |
|
|
$ |
1,779,309 |
|
|
$ |
1,759,705 |
|
|
$ |
1,741,117 |
|
|
$ |
1,710,041 |
|
|
|
|
|
|
|
|
|
减去:商誉 |
|
|
|
|
(384,237 |
) |
|
|
(384,237 |
) |
|
|
(384,237 |
) |
|
|
(385,270 |
) |
|
|
(385,270 |
) |
|
|
|
|
|
|
|
|
可识别无形资产 |
|
|
|
|
(5,621 |
) |
|
|
(6,170 |
) |
|
|
(6,724 |
) |
|
|
(7,390 |
) |
|
|
(8,142 |
) |
|
|
|
|
|
|
|
|
有形资产总额 |
|
(a) |
|
$ |
1,379,089 |
|
|
$ |
1,388,902 |
|
|
$ |
1,368,744 |
|
|
$ |
1,348,457 |
|
|
$ |
1,316,629 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
有形资产 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总资产 |
|
|
|
$ |
17,364,644 |
|
|
$ |
17,098,132 |
|
|
$ |
16,878,313 |
|
|
$ |
16,551,840 |
|
|
$ |
15,558,162 |
|
|
|
|
|
|
|
|
|
减去:商誉 |
|
|
|
|
(384,237 |
) |
|
|
(384,237 |
) |
|
|
(384,237 |
) |
|
|
(385,270 |
) |
|
|
(385,270 |
) |
|
|
|
|
|
|
|
|
可识别无形资产 |
|
|
|
|
(5,621 |
) |
|
|
(6,170 |
) |
|
|
(6,724 |
) |
|
|
(7,390 |
) |
|
|
(8,142 |
) |
|
|
|
|
|
|
|
|
有形资产总额 |
|
(b) |
|
$ |
16,974,786 |
|
|
$ |
16,707,725 |
|
|
$ |
16,487,352 |
|
|
$ |
16,159,180 |
|
|
$ |
15,164,750 |
|
|
|
|
|
|
|
|
|
风险加权资产 |
|
(c) |
|
$ |
12,324,254 |
|
|
$ |
12,256,492 |
|
|
$ |
12,188,988 |
|
|
$ |
12,017,378 |
|
|
$ |
11,963,269 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
经无形摊销调整后的净收入 |
|
|
|
|
|
|
|
|
|
|||||||||||||||||||||
净收入 |
|
|
|
$ |
21,200 |
|
|
$ |
47,981 |
|
|
$ |
51,962 |
|
|
$ |
51,217 |
|
|
$ |
54,440 |
|
|
$ |
121,143 |
|
|
$ |
108,808 |
|
加上:无形摊销税净额 |
|
|
|
|
412 |
|
|
|
415 |
|
|
|
500 |
|
|
|
564 |
|
|
|
564 |
|
|
|
1,327 |
|
|
|
1,725 |
|
经无形摊销调整后的净收入 |
|
$ |
21,612 |
|
|
$ |
48,396 |
|
|
$ |
52,462 |
|
|
$ |
51,781 |
|
|
$ |
55,004 |
|
|
$ |
122,470 |
|
|
$ |
110,533 |
|
||
期末已发行普通股 |
|
(d) |
|
|
62,461,832 |
|
|
|
62,773,226 |
|
|
|
63,394,522 |
|
|
|
63,424,526 |
|
|
|
63,423,820 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
有形普通股权益计量 |
|
|
|
|
|
|
|
|
|
|||||||||||||||||||||
平均有形股本回报率(1) |
|
|
|
|
6.16 |
% |
|
|
13.96 |
% |
|
|
15.56 |
% |
|
|
15.47 |
% |
|
|
16.82 |
% |
|
|
11.84 |
% |
|
|
11.57 |
% |
有形权益/有形资产 |
|
(A)/(B) |
|
|
8.12 |
% |
|
|
8.31 |
% |
|
|
8.30 |
% |
|
|
8.34 |
% |
|
|
8.68 |
% |
|
|
|
|
|
|
|
|
有形权益/风险加权资产 |
|
(A)/(C) |
|
|
11.19 |
% |
|
|
11.33 |
% |
|
|
11.23 |
% |
|
|
11.22 |
% |
|
|
11.01 |
% |
|
|
|
|
|
|
|
|
有形账面价值 |
|
(A)/(D)*1,000 |
|
$ |
22.08 |
|
|
$ |
22.13 |
|
|
$ |
21.59 |
|
|
$ |
21.26 |
|
|
$ |
20.76 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
普通股一级资本(CET1) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||
股东权益总额 |
|
|
|
$ |
1,768,947 |
|
|
$ |
1,779,309 |
|
|
$ |
1,759,705 |
|
|
$ |
1,741,117 |
|
|
$ |
1,710,041 |
|
|
|
|
|
|
|
|
|
CECL过渡调整 |
|
|
|
|
26,419 |
|
|
|
26,671 |
|
|
|
26,829 |
|
|
|
31,199 |
|
|
|
32,647 |
|
|
|
|
|
|
|
|
|
AOCI相关调整 |
|
|
|
|
19,080 |
|
|
|
10,641 |
|
|
|
16,506 |
|
|
|
1,051 |
|
|
|
(5,684 |
) |
|
|
|
|
|
|
|
|
CET1调整和扣除: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
商誉净额扣除相关递延税项负债(DTLS) |
|
|
(370,264 |
) |
|
|
(370,276 |
) |
|
|
(370,288 |
) |
|
|
(371,333 |
) |
|
|
(371,345 |
) |
|
|
|
|
|
|
|
|
||
CET1的其他调整和扣除(2) |
|
|
(4,817 |
) |
|
|
(5,243 |
) |
|
|
(5,675 |
) |
|
|
(6,190 |
) |
|
|
(6,770 |
) |
|
|
|
|
|
|
|
|
||
CET1资本 |
|
(e) |
|
|
1,439,365 |
|
|
|
1,441,102 |
|
|
|
1,427,077 |
|
|
|
1,395,844 |
|
|
|
1,358,889 |
|
|
|
|
|
|
|
|
|
额外的一级资本工具加上相关盈余 |
|
|
60,000 |
|
|
|
60,000 |
|
|
|
60,000 |
|
|
|
60,000 |
|
|
|
60,000 |
|
|
|
|
|
|
|
|
|
||
一级资本 |
|
|
|
$ |
1,499,365 |
|
|
$ |
1,501,102 |
|
|
$ |
1,487,077 |
|
|
$ |
1,455,844 |
|
|
$ |
1,418,889 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
普通股一级资本比率 |
|
(E)/(C) |
|
|
11.68 |
% |
|
|
11.76 |
% |
|
|
11.71 |
% |
|
|
11.62 |
% |
|
|
11.36 |
% |
|
|
|
|
|
|
|
|
(1) |
计算=((经无形摊销调整的净收入/期间天数)*一年中的天数)/总平均有形权益。 |
(2) |
包括其他无形资产,如适用,扣除DTL、不允许的递延税项资产(DTA)、门槛扣除和过渡调整。 |
|
Trustmark公司及其子公司 |
|
|
综合财务报表附注 |
|
|
2021年9月30日 |
|
|
($(千美元,每股数据除外) |
|
|
(未经审计) |
附注10--非GAAP财务衡量标准(续)
Trustmark披露了某些非GAAP财务衡量标准,因为管理层将这些衡量标准用于商业规划目的,包括对照内部预计的经营结果来管理Trustmark公司的业务,以及衡量Trustmark公司的业绩。Trustmark认为这些是对我们核心运营业务的衡量,不包括以下详述项目的影响,因为这些项目通常不具有运营性质。这些非公认会计准则财务指标也为比较所附精选财务数据表和经审计的综合财务报表中所列期间业绩提供了另一种基础,剔除了非营业和不寻常或非经常性项目造成的潜在差异。提醒读者,根据公认会计原则,这些调整是不允许的。Trustmark鼓励读者整体考虑其合并财务报表和与之相关的附注,不要依赖任何单一的财务衡量标准。
下表列出了所列期间的拨备前净收入(PPNR):
|
|
|
|
季度末 |
|
|
截至9个月 |
|
||||||||||||||||||||||
|
|
|
|
9/30/2021 |
|
|
6/30/2021 |
|
|
3/31/2021 |
|
|
12/31/2020 |
|
|
9/30/2020 |
|
|
9/30/2021 |
|
|
9/30/2020 |
|
|||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净利息收入(GAAP) |
|
$ |
98,266 |
|
|
$ |
119,423 |
|
|
$ |
102,336 |
|
|
$ |
111,378 |
|
|
$ |
106,207 |
|
|
$ |
320,025 |
|
|
$ |
315,159 |
|
||
非利息收入(GAAP) |
|
|
54,149 |
|
|
|
56,411 |
|
|
|
60,583 |
|
|
|
66,117 |
|
|
|
73,701 |
|
|
|
171,143 |
|
|
|
208,476 |
|
||
拨备前收入 |
(a) |
$ |
152,415 |
|
|
$ |
175,834 |
|
|
$ |
162,919 |
|
|
$ |
177,495 |
|
|
$ |
179,908 |
|
|
$ |
491,168 |
|
|
$ |
523,635 |
|
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
非利息支出(GAAP) |
|
$ |
129,600 |
|
|
$ |
118,679 |
|
|
$ |
121,548 |
|
|
$ |
119,894 |
|
|
$ |
116,963 |
|
|
$ |
369,827 |
|
|
$ |
346,407 |
|
||
更少: |
自愿提前退休计划 |
|
|
(5,700 |
) |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
(5,700 |
) |
|
|
(4,375 |
) |
|
|
监管结算费 |
|
|
(5,000 |
) |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
(5,000 |
) |
|
|
— |
|
|
调整后的非利息费用-PPNR(非GAAP) |
(b) |
$ |
118,900 |
|
|
$ |
118,679 |
|
|
$ |
121,548 |
|
|
$ |
119,894 |
|
|
$ |
116,963 |
|
|
$ |
359,127 |
|
|
$ |
342,032 |
|
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
PPNR(非GAAP) |
(A)-(B) |
$ |
33,515 |
|
|
$ |
57,155 |
|
|
$ |
41,371 |
|
|
$ |
57,601 |
|
|
$ |
62,945 |
|
|
$ |
132,041 |
|
|
$ |
181,603 |
|
下表列出了根据GAAP报告的净收入和部分财务比率的调整,这些调整是由于报告期间发生的重大非常规项目造成的:
|
|
截至的季度 |
|
|
|
截至9个月 |
|
||||||||||||||||||||||||||||
|
|
9/30/2021 |
|
|
|
9/30/2020 |
|
|
|
9/30/2021 |
|
|
|
9/30/2020 |
|
||||||||||||||||||||
|
|
金额 |
|
|
稀释每股收益 |
|
|
|
金额 |
|
|
稀释每股收益 |
|
|
|
金额 |
|
|
稀释每股收益 |
|
|
|
金额 |
|
|
稀释每股收益 |
|
||||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净收入(GAAP) |
$ |
21,200 |
|
|
$ |
0.34 |
|
|
|
$ |
54,440 |
|
|
$ |
0.86 |
|
|
|
$ |
121,143 |
|
|
$ |
1.92 |
|
|
|
$ |
108,808 |
|
|
$ |
1.71 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
重大非例行交易(税后净额): |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
自愿提前退休计划 |
|
|
4,275 |
|
|
|
0.07 |
|
|
|
|
— |
|
|
|
— |
|
|
|
|
4,275 |
|
|
|
0.07 |
|
|
|
|
3,281 |
|
|
|
0.05 |
|
监管结算费(不可抵税) |
|
|
5,000 |
|
|
|
0.08 |
|
|
|
|
— |
|
|
|
— |
|
|
|
|
5,000 |
|
|
|
0.08 |
|
|
|
|
— |
|
|
|
— |
|
经重大非常规调整后的净收入 交易(非GAAP) |
$ |
30,475 |
|
|
$ |
0.49 |
|
|
|
$ |
54,440 |
|
|
$ |
0.86 |
|
|
|
$ |
130,418 |
|
|
$ |
2.07 |
|
|
|
$ |
112,089 |
|
|
$ |
1.76 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
报告(GAAP) |
|
|
调整后(非GAAP) |
|
|
|
报告(GAAP) |
|
|
调整后(非GAAP) |
|
|
|
报告(GAAP) |
|
|
调整后(非GAAP) |
|
|
|
报告(GAAP) |
|
|
调整后(非GAAP) |
|
||||||||
平均股本回报率 |
|
|
4.72 |
% |
|
|
6.77 |
% |
|
|
|
12.78 |
% |
|
不适用 |
|
|
|
|
9.13 |
% |
|
|
9.82 |
% |
|
|
|
8.72 |
% |
|
|
8.97 |
% |
|
平均有形权益回报率 |
|
|
6.16 |
% |
|
|
8.77 |
% |
|
|
|
16.82 |
% |
|
不适用 |
|
|
|
|
11.84 |
% |
|
|
12.72 |
% |
|
|
|
11.57 |
% |
|
|
11.89 |
% |
|
平均资产回报率 |
|
|
0.49 |
% |
|
|
0.71 |
% |
|
|
|
1.37 |
% |
|
不适用 |
|
|
|
|
0.96 |
% |
|
|
1.03 |
% |
|
|
|
0.97 |
% |
|
|
1.00 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
不适用-不适用 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Trustmark公司及其子公司 |
|
|
综合财务报表附注 |
|
|
2021年9月30日 |
|
|
(千美元) |
|
|
(未经审计) |
附注10--非GAAP财务衡量标准(续)
下表列出了Trustmark对所示期间的效率比率的计算:
|
|
|
|
季度末 |
|
|
截至9个月 |
|
||||||||||||||||||||||
|
|
|
|
9/30/2021 |
|
|
6/30/2021 |
|
|
3/31/2021 |
|
|
12/31/2020 |
|
|
9/30/2020 |
|
|
9/30/2021 |
|
|
9/30/2020 |
|
|||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
总非利息费用(GAAP) |
|
$ |
129,600 |
|
|
$ |
118,679 |
|
|
$ |
121,548 |
|
|
$ |
119,894 |
|
|
$ |
116,963 |
|
|
|
369,827 |
|
|
$ |
346,407 |
|
||
更少: |
其他房地产费用,净额 |
|
(1,357 |
) |
|
|
(1,511 |
) |
|
|
(324 |
) |
|
|
812 |
|
|
|
(1,203 |
) |
|
|
(3,192 |
) |
|
|
(2,768 |
) |
||
|
无形资产摊销 |
|
(549 |
) |
|
|
(553 |
) |
|
|
(666 |
) |
|
|
(752 |
) |
|
|
(752 |
) |
|
|
(1,768 |
) |
|
|
(2,300 |
) |
||
|
慈善捐款可获得州税收抵免 |
|
(350 |
) |
|
|
(355 |
) |
|
|
(350 |
) |
|
|
(375 |
) |
|
|
(375 |
) |
|
|
(1,055 |
) |
|
|
(1,125 |
) |
||
|
自愿提前退休计划 |
|
(5,700 |
) |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
(5,700 |
) |
|
|
(4,375 |
) |
||
|
监管结算费 |
|
|
(5,000 |
) |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
(5,000 |
) |
|
|
— |
|
|
调整后的非利息费用(非GAAP) |
(c) |
$ |
116,644 |
|
|
$ |
116,260 |
|
|
$ |
120,208 |
|
|
$ |
119,579 |
|
|
$ |
114,633 |
|
|
$ |
353,112 |
|
|
$ |
335,839 |
|
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
净利息收入(GAAP) |
|
$ |
98,266 |
|
|
$ |
119,423 |
|
|
$ |
102,336 |
|
|
$ |
111,378 |
|
|
$ |
106,207 |
|
|
$ |
320,025 |
|
|
$ |
315,159 |
|
||
添加: |
税额调整 |
|
|
2,947 |
|
|
|
2,957 |
|
|
|
2,894 |
|
|
|
2,939 |
|
|
|
2,969 |
|
|
|
8,798 |
|
|
|
9,084 |
|
|
净利息收入(FTE)(非GAAP) |
(a) |
$ |
101,213 |
|
|
$ |
122,380 |
|
|
$ |
105,230 |
|
|
$ |
114,317 |
|
|
$ |
109,176 |
|
|
$ |
328,823 |
|
|
$ |
324,243 |
|
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
非利息收入(GAAP) |
|
$ |
54,149 |
|
|
$ |
56,411 |
|
|
$ |
60,583 |
|
|
$ |
66,117 |
|
|
$ |
73,701 |
|
|
$ |
171,143 |
|
|
$ |
208,476 |
|
||
添加: |
合伙企业为抵税目的摊销 |
|
2,045 |
|
|
|
1,989 |
|
|
|
1,522 |
|
|
|
1,877 |
|
|
|
1,457 |
|
|
|
5,556 |
|
|
|
3,823 |
|
||
调整后的非利息收入(非GAAP) |
(b) |
$ |
56,194 |
|
|
$ |
58,400 |
|
|
$ |
62,105 |
|
|
$ |
67,994 |
|
|
$ |
75,158 |
|
|
$ |
176,699 |
|
|
$ |
212,299 |
|
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
调整后收入(非GAAP) |
(A)+(B) |
$ |
157,407 |
|
|
$ |
180,780 |
|
|
$ |
167,335 |
|
|
$ |
182,311 |
|
|
$ |
184,334 |
|
|
$ |
505,522 |
|
|
$ |
536,542 |
|
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
效率比率(非GAAP) |
(C)/((A)+(B)) |
|
74.10 |
% |
|
|
64.31 |
% |
|
|
71.84 |
% |
|
|
65.59 |
% |
|
|
62.19 |
% |
|
|
69.85 |
% |
|
|
62.59 |
% |