附件99.1
立即释放 |
有关详细信息，请访问： 詹姆斯·R·戈登，执行副总裁兼首席财务官 325.627.7155
|
First Financial BankShares宣布2022年第一季度收益
亚洲网得克萨斯州阿比林4月21日电第一金融银行股份有限公司(纳斯达克代码：FIN)今天公布，2022年第一季度收益为5,597万美元，而去年同期为5,692万美元。2022年第一季度，基本和稀释后每股收益为0.39美元，而去年同期为0.40美元。如下所述，本季度的业绩与上一年相比包括：i)信贷损失准备金增加678万美元；ii)购买力平价贷款发放费减少488万美元；iii)抵押贷款收入减少356万美元。不包括购买力平价贷款发放费较低的净利息收入因资产负债表持续增长而增加1,150万美元，抵消了这些项目的影响。
利用过去两年发展的新关系和创造的势头，我们本季度实现了显著增长，反映在整体贷款增长(不包括购买力平价和待售贷款)为2.1425亿美元，折合成年率为16.07%，存款增长为4.3334亿美元，折合成年率为16.63%。我们继续专注于增长，提供卓越的客户服务，改进我们的数字交付，投资于我们的员工，并实现股东回报最大化。我们感谢我们的客户、股东和同事的持续支持。“第一金融银行股份有限公司董事长、总裁兼首席执行官F.Scott Dueser说。
2022年第一季度的净利息收入为9544万美元，而2021年第一季度为8882万美元。在应税等值基础上，2022年第一季度的净息差为3.22%，而2021年第一季度为3.55%。净利息收入的增长是由平均可产生利息的资产增加推动的，2022年第一季度增至125亿美元，而一年前为105.6亿美元，部分被购买力平价贷款发放费下降所抵消，2022年第一季度总计137万美元，而2021年第一季度为625万美元。
截至2022年3月31日，PPP贷款余额总计1574万美元，而2021年12月31日和2021年3月31日分别为5279万美元和5.3181亿美元，2022年第一季度平均余额为3346万美元，而2021年第一季度为4.9935亿美元。
该公司在2022年第一季度记录了478万美元的信贷损失准备金，而2021年第四季度的信贷损失准备金为206万美元，2021年第一季度的信贷损失准备金为200万美元。公司2022年第一季度信贷损失拨备的增加主要是由强劲的有机贷款增长推动的。截至2022年3月31日，信贷损失拨备总额为6691万美元，占投资贷款(以下简称“贷款”)的1.20%，而2021年3月31日为6297万美元，占贷款的1.18%。此外，截至2022年3月31日，无资金承诺准备金总额为747万美元，而截至2021年3月31日为692万美元。
2022年第一季度的净冲销总额为29.9万美元，而2021年第一季度的净冲销总额为13.1万美元。截至2022年3月31日，不良资产占贷款和止赎资产的百分比为0.52%，而2021年3月31日为0.75%。截至2022年3月31日，分类贷款总额为1.5216亿美元，而2021年3月31日为1.9042亿美元。
2022年第一季度的非利息收入为3488万美元，而2021年第一季度为3487万美元，原因如下：
2022年第一季度的非利息支出总额为5923万美元，而2021年第一季度为5772万美元，原因如下：
该公司的效率比率在2022年第一季度提高到44.16%，而2021年第一季度为45.36%。
截至2022年3月31日，合并总资产为133.1亿美元，而截至2021年3月31日为121亿美元。截至2022年3月31日，贷款总额为55.7亿美元，而截至2021年3月31日，贷款总额为53.2亿美元。2022年第一季度，不包括购买力平价贷款的贷款增长了2.1425亿美元，折合成年率为16.07%。截至2022年3月31日，存款总额为110亿美元，而2021年3月31日为94.1亿美元，增长16.85%。截至2022年3月31日，股东权益为14.9亿美元，而2021年12月31日和2021年3月31日的股东权益分别为17.6亿美元和16.7亿美元，这是由于最近一个季度利率上调导致其他全面收益(OCI)发生变化的结果。截至2022年3月31日，证券投资组合的未实现亏损总计2.0958亿美元，而2021年12月31日和2021年3月31日的未实现收益分别为9925万美元和1.1701亿美元。
第一金融银行股份有限公司简介
First Financial BankShares，Inc.总部设在得克萨斯州阿比林，是一家金融控股公司，通过其子公司First Financial Bank，N.A.在得克萨斯州经营多个银行地区，在德克萨斯州设有78个地点，包括Abilene、Acton、Albany、Aledo、Alvarado、Beaumont、Boyd、Bridgeport、BRock、Bryan、Burleson、College Station、Cisco、Cleburne、Clyde、Conroe、Cut and Shoot、Decatur、Eastland、El Campo、Fort Worth、Fulshill、Glen Rose、Granbury、Grapevine、Hereford、Huntsville、Keller、Kingwood、Magnolia、Mauriceville、Merkel、Midlothian、Minonal Wells、Montgomery、Moran、New Wavly、Decatur、Odessa、Orange、Palos、亚瑟港、游骑兵、新星、罗比、圣安吉洛、南湖、斯蒂芬维尔、斯威特沃特、汤博尔、特伦特、奖杯俱乐部、维多、瓦哈奇、韦瑟福德、威利斯和柳树公园。该公司还经营着北卡罗来纳州第一金融信托和资产管理公司(First Financial Trust&Asset Management Company，N.A.)和第一技术服务公司(First Technology Services，Inc.)，后者是一家技术运营公司。
该公司在纳斯达克全球精选市场上市，交易代码为FIN。欲了解有关第一金融的更多信息，请访问我们的网站Https://www.ffin.com.
####
本文中包含的某些陈述可被视为1995年私人证券诉讼改革法中定义的“前瞻性陈述”。这些陈述是基于公司管理层的信念以及在公司管理层目前掌握的信息之外所作的假设，可能但不一定是通过诸如“预期”、“计划”、“预期”、“目标”、“预测”和“目标”等词语来确定的。由于此类“前瞻性陈述”受风险和不确定因素的影响，实际结果可能与此类前瞻性陈述所表达或暗示的结果大不相同。可能导致实际结果与公司预期大相径庭的因素包括：来自其他金融机构和金融控股公司的竞争；贸易、货币和财政政策和法律的影响和变化，包括联邦储备委员会的利率政策；石油和天然气价格以及疫情的经济影响；贷款需求的变化；抵押品和贷款储备价值的波动；通货膨胀、利率、市场和货币波动；消费者支出、借贷和储蓄习惯的变化；以及被收购企业的收购和整合，以及类似的变数。其他主要风险在公司提交给美国证券交易委员会的报告中有所描述，这些报告可以在公司网站上的“投资者关系--文件和文件”一节中获得，也可以通过写信或致电325.627.7155获得。除本新闻公告中另有说明外，公司不承担任何因新信息、未来事件或其他原因而公开更新或修改任何前瞻性陈述的义务。
第一金融银行股份有限公司
综合财务摘要(未经审计)
(以千为单位，不包括每股和每股数据)
|
自.起 |
||||||||||||||||||||||||
|
|
2022 |
|
|
|
2021 |
|
|
|||||||||||||||||
资产 |
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|
9月30岁， |
|
|
|
六月三十日， |
|
|
|
Mar. 31, |
|
|
|||||
现金和银行到期款项 |
$ |
|
203,187 |
|
|
$ |
|
205,053 |
|
|
$ |
|
201,901 |
|
|
$ |
|
190,061 |
|
|
$ |
|
190,350 |
|
|
银行的有息存款 |
|
|
394,566 |
|
|
|
|
323,535 |
|
|
|
|
359,241 |
|
|
|
|
654,531 |
|
|
|
|
893,221 |
|
|
投资证券 |
|
|
6,502,495 |
|
|
|
|
6,573,179 |
|
|
|
|
6,119,984 |
|
|
|
|
5,578,048 |
|
|
|
|
5,109,631 |
|
|
持有用于投资的贷款，不包括购买力平价贷款 |
|
|
5,550,430 |
|
|
|
|
5,336,179 |
|
|
|
|
5,147,160 |
|
|
|
|
4,984,210 |
|
|
|
|
4,790,752 |
|
|
购买力平价贷款 |
|
|
15,739 |
|
|
|
|
52,793 |
|
|
|
|
139,334 |
|
|
|
|
320,392 |
|
|
|
|
531,810 |
|
|
为投资而持有的贷款总额 |
|
|
5,566,169 |
|
|
|
|
5,388,972 |
|
|
|
|
5,286,494 |
|
|
|
|
5,304,602 |
|
|
|
|
5,322,562 |
|
|
贷款损失准备 |
|
|
(66,913 |
) |
|
|
|
(63,465 |
) |
|
|
|
(63,370 |
) |
|
|
|
(62,138 |
) |
|
|
|
(62,974 |
) |
|
为投资而持有的净贷款 |
|
|
5,499,256 |
|
|
|
|
5,325,507 |
|
|
|
|
5,223,124 |
|
|
|
|
5,242,464 |
|
|
|
|
5,259,588 |
|
|
持有待售贷款 |
|
|
27,670 |
|
|
|
|
37,810 |
|
|
|
|
47,721 |
|
|
|
|
61,802 |
|
|
|
|
65,405 |
|
|
房舍和设备，净额 |
|
|
150,168 |
|
|
|
|
149,764 |
|
|
|
|
147,516 |
|
|
|
|
147,655 |
|
|
|
|
142,415 |
|
|
商誉 |
|
|
313,481 |
|
|
|
|
313,481 |
|
|
|
|
313,481 |
|
|
|
|
313,481 |
|
|
|
|
313,481 |
|
|
其他无形资产 |
|
|
2,978 |
|
|
|
|
3,298 |
|
|
|
|
3,689 |
|
|
|
|
4,087 |
|
|
|
|
4,499 |
|
|
其他资产 |
|
|
220,399 |
|
|
|
|
170,834 |
|
|
|
|
126,601 |
|
|
|
|
136,954 |
|
|
|
|
124,297 |
|
|
总资产 |
$ |
|
13,314,200 |
|
|
$ |
|
13,102,461 |
|
|
$ |
|
12,543,258 |
|
|
$ |
|
12,329,083 |
|
|
$ |
|
12,102,887 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
负债和股东权益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
无息存款 |
$ |
|
3,978,724 |
|
|
$ |
|
3,780,230 |
|
|
$ |
|
3,574,405 |
|
|
$ |
|
3,427,038 |
|
|
$ |
|
3,350,145 |
|
|
计息存款 |
|
|
7,021,101 |
|
|
|
|
6,786,258 |
|
|
|
|
6,318,712 |
|
|
|
|
6,354,656 |
|
|
|
|
6,063,302 |
|
|
总存款 |
|
|
10,999,825 |
|
|
|
|
10,566,488 |
|
|
|
|
9,893,117 |
|
|
|
|
9,781,694 |
|
|
|
|
9,413,447 |
|
|
借款 |
|
|
758,595 |
|
|
|
|
671,152 |
|
|
|
|
648,679 |
|
|
|
|
549,969 |
|
|
|
|
548,604 |
|
|
应付交易日 |
|
|
- |
|
|
|
|
- |
|
|
|
|
174,236 |
|
|
|
|
189,838 |
|
|
|
|
381,871 |
|
|
其他负债 |
|
|
67,031 |
|
|
|
|
105,597 |
|
|
|
|
93,491 |
|
|
|
|
87,213 |
|
|
|
|
93,537 |
|
|
股东权益 |
|
|
1,488,749 |
|
|
|
|
1,759,224 |
|
|
|
|
1,733,735 |
|
|
|
|
1,720,369 |
|
|
|
|
1,665,428 |
|
|
总负债和股东权益 |
$ |
|
13,314,200 |
|
|
$ |
|
13,102,461 |
|
|
$ |
|
12,543,258 |
|
|
$ |
|
12,329,083 |
|
|
$ |
|
12,102,887 |
|
|
|
截至的季度 |
||||||||||||||||||||||||
|
|
2022 |
|
|
|
2021 |
|
|
|||||||||||||||||
损益表 |
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|
9月30岁， |
|
|
|
六月三十日， |
|
|
|
Mar. 31, |
|
|
|||||
利息收入 |
$ |
|
97,009 |
|
|
$ |
|
95,995 |
|
|
$ |
|
97,198 |
|
|
$ |
|
92,602 |
|
|
$ |
|
90,610 |
|
|
利息支出 |
|
|
1,570 |
|
|
|
|
1,187 |
|
|
|
|
1,416 |
|
|
|
|
1,653 |
|
|
|
|
1,786 |
|
|
净利息收入 |
|
|
95,439 |
|
|
|
|
94,808 |
|
|
|
|
95,782 |
|
|
|
|
90,949 |
|
|
|
|
88,824 |
|
|
信贷损失准备金 |
|
|
4,782 |
|
|
|
|
2,064 |
|
|
|
|
- |
|
|
|
|
(1,206 |
) |
|
|
|
(1,997 |
) |
|
扣除信贷损失准备后的净利息收入 |
|
|
90,657 |
|
|
|
|
92,744 |
|
|
|
|
95,782 |
|
|
|
|
92,155 |
|
|
|
|
90,821 |
|
|
非利息收入 |
|
|
34,881 |
|
|
|
|
34,903 |
|
|
|
|
37,726 |
|
|
|
|
34,673 |
|
|
|
|
34,874 |
|
|
非利息支出 |
|
|
59,225 |
|
|
|
|
61,672 |
|
|
|
|
62,939 |
|
|
|
|
59,374 |
|
|
|
|
57,723 |
|
|
所得税前净收益 |
|
|
66,313 |
|
|
|
|
65,975 |
|
|
|
|
70,569 |
|
|
|
|
67,454 |
|
|
|
|
67,972 |
|
|
所得税费用 |
|
|
10,341 |
|
|
|
|
10,638 |
|
|
|
|
11,641 |
|
|
|
|
11,075 |
|
|
|
|
11,054 |
|
|
净收入 |
$ |
|
55,972 |
|
|
$ |
|
55,337 |
|
|
$ |
|
58,928 |
|
|
$ |
|
56,379 |
|
|
$ |
|
56,918 |
|
|
每普通股数据 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
净收入--基本收入 |
$ |
|
0.39 |
|
|
$ |
|
0.39 |
|
|
$ |
|
0.41 |
|
|
$ |
|
0.40 |
|
|
$ |
|
0.40 |
|
|
净收益--摊薄 |
|
|
0.39 |
|
|
|
|
0.39 |
|
|
|
|
0.41 |
|
|
|
|
0.39 |
|
|
|
|
0.40 |
|
|
宣布的现金股利 |
|
|
0.15 |
|
|
|
|
0.15 |
|
|
|
|
0.15 |
|
|
|
|
0.15 |
|
|
|
|
0.13 |
|
|
账面价值 |
|
|
10.43 |
|
|
|
|
12.34 |
|
|
|
|
12.17 |
|
|
|
|
12.08 |
|
|
|
|
11.70 |
|
|
有形账面价值 |
|
|
8.21 |
|
|
|
|
10.12 |
|
|
|
|
9.94 |
|
|
|
|
9.85 |
|
|
|
|
9.47 |
|
|
市场价值 |
|
|
44.12 |
|
|
|
|
50.84 |
|
|
|
|
45.95 |
|
|
|
|
49.13 |
|
|
|
|
46.73 |
|
|
流通股--期末 |
|
|
142,704,495 |
|
|
|
|
142,532,116 |
|
|
|
|
142,467,687 |
|
|
|
|
142,359,774 |
|
|
|
|
142,285,611 |
|
|
平均流通股-基本 |
|
|
142,558,743 |
|
|
|
|
142,437,804 |
|
|
|
|
142,334,449 |
|
|
|
|
142,245,555 |
|
|
|
|
142,146,275 |
|
|
平均流通股--稀释后 |
|
|
143,302,063 |
|
|
|
|
143,251,521 |
|
|
|
|
143,218,920 |
|
|
|
|
143,164,611 |
|
|
|
|
143,002,658 |
|
|
绩效比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
平均资产回报率 |
|
|
1.71 |
|
% |
|
|
1.74 |
|
% |
|
|
1.90 |
|
% |
|
|
1.89 |
|
% |
|
|
2.05 |
|
% |
平均股本回报率 |
|
|
13.53 |
|
|
|
|
12.63 |
|
|
|
|
13.43 |
|
|
|
|
13.38 |
|
|
|
|
13.83 |
|
|
平均有形权益回报率 |
|
|
16.68 |
|
|
|
|
15.45 |
|
|
|
|
16.43 |
|
|
|
|
16.48 |
|
|
|
|
17.09 |
|
|
净息差(税额等值) |
|
|
3.22 |
|
|
|
|
3.29 |
|
|
|
|
3.41 |
|
|
|
|
3.36 |
|
|
|
|
3.55 |
|
|
效率比 |
|
|
44.16 |
|
|
|
|
46.18 |
|
|
|
|
45.88 |
|
|
|
|
45.94 |
|
|
|
|
45.36 |
|
|
第一金融银行股份有限公司
选定的财务数据(未经审计)
(单位：千)
|
截至的季度 |
||||||||||||||||||||||||
|
|
2022 |
|
|
|
2021 |
|
|
|||||||||||||||||
贷款损失准备 |
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|
9月30岁， |
|
|
|
六月三十日， |
|
|
|
Mar. 31, |
|
|
|||||
期初余额 |
$ |
|
63,465 |
|
|
$ |
|
63,370 |
|
|
$ |
|
62,138 |
|
|
$ |
|
62,974 |
|
|
$ |
|
66,534 |
|
|
贷款被注销 |
|
|
(659 |
) |
|
|
|
(3,067 |
) |
|
|
|
(1,475 |
) |
|
|
|
(392 |
) |
|
|
|
(574 |
) |
|
贷款回收 |
|
|
360 |
|
|
|
|
783 |
|
|
|
|
2,707 |
|
|
|
|
595 |
|
|
|
|
443 |
|
|
净回收(冲销) |
|
|
(299 |
) |
|
|
|
(2,284 |
) |
|
|
|
1,232 |
|
|
|
|
203 |
|
|
|
|
(131 |
) |
|
贷款损失准备金 |
|
|
3,747 |
|
|
|
|
2,379 |
|
|
|
|
- |
|
|
|
|
(1,039 |
) |
|
|
|
(3,429 |
) |
|
期末余额 |
$ |
|
66,913 |
|
|
$ |
|
63,465 |
|
|
$ |
|
63,370 |
|
|
$ |
|
62,138 |
|
|
$ |
|
62,974 |
|
|
对未筹措资金的承付款项的拨备 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
期初余额 |
$ |
|
6,436 |
|
|
$ |
|
6,751 |
|
|
$ |
|
6,751 |
|
|
$ |
|
6,918 |
|
|
$ |
|
5,486 |
|
|
为未筹措资金的承付款项编列的准备金 |
|
|
1,035 |
|
|
|
|
(315 |
) |
|
|
|
- |
|
|
|
|
(167 |
) |
|
|
|
1,432 |
|
|
期末余额 |
$ |
|
7,471 |
|
|
$ |
|
6,436 |
|
|
$ |
|
6,751 |
|
|
$ |
|
6,751 |
|
|
$ |
|
6,918 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
贷款损失准备/ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
投资持有的期末贷款 |
|
|
1.20 |
|
% |
|
|
1.18 |
|
% |
|
|
1.20 |
|
% |
|
|
1.17 |
|
% |
|
|
1.18 |
|
% |
贷款损失准备/ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
不良贷款 |
|
|
232.71 |
|
|
|
|
200.33 |
|
|
|
|
250.92 |
|
|
|
|
208.45 |
|
|
|
|
160.00 |
|
|
净冲销(收回)/平均贷款总额 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
(按年计算) |
|
|
0.02 |
|
|
|
|
0.17 |
|
|
|
|
(0.09 |
) |
|
|
|
(0.02 |
) |
|
|
|
0.01 |
|
|
|
截至的季度 |
||||||||||||||||||||||||
|
|
2022 |
|
|
|
2021 |
|
|
|||||||||||||||||
为投资而持有的贷款的构成 |
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|
9月30岁， |
|
|
|
六月三十日， |
|
|
|
Mar. 31, |
|
|
|||||
商业广告： |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
C&I |
$ |
|
822,310 |
|
|
$ |
|
784,282 |
|
|
$ |
|
680,263 |
|
|
$ |
|
662,711 |
|
|
$ |
|
646,316 |
|
|
PPP |
|
|
15,739 |
|
|
|
|
52,793 |
|
|
|
|
139,334 |
|
|
|
|
320,392 |
|
|
|
|
531,810 |
|
|
市政 |
|
|
191,799 |
|
|
|
|
177,905 |
|
|
|
|
165,847 |
|
|
|
|
179,356 |
|
|
|
|
176,949 |
|
|
商业总金额 |
|
|
1,029,848 |
|
|
|
|
1,014,980 |
|
|
|
|
985,444 |
|
|
|
|
1,162,459 |
|
|
|
|
1,355,075 |
|
|
农业 |
|
|
82,883 |
|
|
|
|
98,089 |
|
|
|
|
98,947 |
|
|
|
|
95,212 |
|
|
|
|
90,366 |
|
|
房地产： |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
建设与发展 |
|
|
806,211 |
|
|
|
|
749,793 |
|
|
|
|
656,530 |
|
|
|
|
550,928 |
|
|
|
|
587,928 |
|
|
农场 |
|
|
225,942 |
|
|
|
|
217,220 |
|
|
|
|
203,064 |
|
|
|
|
185,288 |
|
|
|
|
162,046 |
|
|
非拥有者占用的CRE |
|
|
636,160 |
|
|
|
|
623,434 |
|
|
|
|
674,958 |
|
|
|
|
673,608 |
|
|
|
|
650,144 |
|
|
所有者占用的CRE |
|
|
881,181 |
|
|
|
|
821,653 |
|
|
|
|
824,231 |
|
|
|
|
820,055 |
|
|
|
|
759,906 |
|
|
住宅 |
|
|
1,352,162 |
|
|
|
|
1,334,419 |
|
|
|
|
1,328,798 |
|
|
|
|
1,328,474 |
|
|
|
|
1,254,727 |
|
|
总房地产 |
|
|
3,901,656 |
|
|
|
|
3,746,519 |
|
|
|
|
3,687,581 |
|
|
|
|
3,558,353 |
|
|
|
|
3,414,751 |
|
|
消费者： |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
自动 |
|
|
419,818 |
|
|
|
|
405,416 |
|
|
|
|
394,072 |
|
|
|
|
383,764 |
|
|
|
|
370,027 |
|
|
非自动 |
|
|
131,964 |
|
|
|
|
123,968 |
|
|
|
|
120,450 |
|
|
|
|
104,814 |
|
|
|
|
92,343 |
|
|
总消费额 |
|
|
551,782 |
|
|
|
|
529,384 |
|
|
|
|
514,522 |
|
|
|
|
488,578 |
|
|
|
|
462,370 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
持有用于投资的贷款总额 |
$ |
|
5,566,169 |
|
|
$ |
|
5,388,972 |
|
|
$ |
|
5,286,494 |
|
|
$ |
|
5,304,602 |
|
|
$ |
|
5,322,562 |
|
|
贷款分类摘要 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
特别提及 |
$ |
|
47,445 |
|
|
$ |
|
55,670 |
|
|
$ |
|
53,620 |
|
|
$ |
|
54,497 |
|
|
$ |
|
61,866 |
|
|
不合标准 |
|
|
104,715 |
|
|
|
|
105,515 |
|
|
|
|
112,151 |
|
|
|
|
120,497 |
|
|
|
|
128,550 |
|
|
疑团 |
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
分类贷款总额 |
$ |
|
152,160 |
|
|
$ |
|
161,185 |
|
|
$ |
|
165,771 |
|
|
$ |
|
174,994 |
|
|
$ |
|
190,416 |
|
|
不良资产 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
非权责发生制贷款 |
$ |
|
28,723 |
|
|
$ |
|
31,652 |
|
|
$ |
|
25,210 |
|
|
$ |
|
29,786 |
|
|
$ |
|
39,333 |
|
|
应计问题债务重组贷款 |
|
|
20 |
|
|
|
|
21 |
|
|
|
|
22 |
|
|
|
|
23 |
|
|
|
|
23 |
|
|
应计逾期90天的贷款 |
|
|
11 |
|
|
|
|
8 |
|
|
|
|
23 |
|
|
|
|
- |
|
|
|
|
2 |
|
|
不良贷款总额 |
|
|
28,754 |
|
|
|
|
31,681 |
|
|
|
|
25,255 |
|
|
|
|
29,809 |
|
|
|
|
39,358 |
|
|
止赎资产 |
|
|
- |
|
|
|
|
2,477 |
|
|
|
|
28 |
|
|
|
|
305 |
|
|
|
|
300 |
|
|
不良资产总额 |
$ |
|
28,754 |
|
|
$ |
|
34,158 |
|
|
$ |
|
25,283 |
|
|
$ |
|
30,114 |
|
|
$ |
|
39,658 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
作为持有的投资贷款和止赎资产的百分比 |
|
|
0.52 |
|
% |
|
|
0.63 |
|
% |
|
|
0.48 |
|
% |
|
|
0.57 |
|
% |
|
|
0.75 |
|
% |
占期末总资产的百分比 |
|
|
0.22 |
|
|
|
|
0.26 |
|
|
|
|
0.20 |
|
|
|
|
0.24 |
|
|
|
|
0.33 |
|
|
第一金融银行股份有限公司
选定的财务数据(未经审计)
(单位：千)
|
截至的季度 |
||||||||||||||||||||||||
|
|
2022 |
|
|
|
2021 |
|
|
|||||||||||||||||
资本比率 |
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|
9月30岁， |
|
|
|
六月三十日， |
|
|
|
Mar. 31, |
|
|
|||||
普通股一级资本比率 |
|
|
19.00 |
|
% |
|
|
19.35 |
|
% |
|
|
19.71 |
|
% |
|
|
20.04 |
|
% |
|
|
20.32 |
|
% |
一级资本充足率 |
|
|
19.00 |
|
|
|
|
19.35 |
|
|
|
|
19.71 |
|
|
|
|
20.04 |
|
|
|
|
20.32 |
|
|
总资本比率 |
|
|
20.01 |
|
|
|
|
20.34 |
|
|
|
|
20.76 |
|
|
|
|
21.12 |
|
|
|
|
21.47 |
|
|
第1级杠杆率 |
|
|
10.78 |
|
|
|
|
11.13 |
|
|
|
|
11.19 |
|
|
|
|
11.10 |
|
|
|
|
11.55 |
|
|
有形普通股权益比率 |
|
|
10.52 |
|
|
|
|
11.55 |
|
|
|
|
11.90 |
|
|
|
|
11.75 |
|
|
|
|
12.35 |
|
|
权益/资产比率 |
|
|
11.18 |
|
|
|
|
13.43 |
|
|
|
|
13.82 |
|
|
|
|
13.95 |
|
|
|
|
13.76 |
|
|
|
截至的季度 |
||||||||||||||||||||||||
|
|
2022 |
|
|
|
2021 |
|
|
|||||||||||||||||
非利息收入 |
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|
9月30岁， |
|
|
|
六月三十日， |
|
|
|
Mar. 31, |
|
|
|||||
信托费 |
$ |
|
9,817 |
|
|
$ |
|
9,670 |
|
|
$ |
|
9,484 |
|
|
$ |
|
8,692 |
|
|
$ |
|
8,299 |
|
|
押金手续费 |
|
|
5,706 |
|
|
|
|
5,762 |
|
|
|
|
5,673 |
|
|
|
|
4,928 |
|
|
|
|
4,793 |
|
|
自动柜员机、交换费和信用卡手续费 |
|
|
9,528 |
|
|
|
|
9,955 |
|
|
|
|
9,793 |
|
|
|
|
9,853 |
|
|
|
|
8,677 |
|
|
售卖收益及按揭贷款费用 |
|
|
6,333 |
|
|
|
|
6,272 |
|
|
|
|
8,788 |
|
|
|
|
8,291 |
|
|
|
|
9,894 |
|
|
出售可供出售证券的净收益 |
|
|
31 |
|
|
|
|
1 |
|
|
|
|
1 |
|
|
|
|
5 |
|
|
|
|
808 |
|
|
出售丧失抵押品赎回权资产的净收益 |
|
|
1,084 |
|
|
|
|
107 |
|
|
|
|
27 |
|
|
|
|
1 |
|
|
|
|
55 |
|
|
出售资产的净收益(亏损) |
|
|
(10 |
) |
|
|
|
(3 |
) |
|
|
|
(6 |
) |
|
|
|
74 |
|
|
|
|
145 |
|
|
收回贷款的利息 |
|
|
283 |
|
|
|
|
1,207 |
|
|
|
|
1,746 |
|
|
|
|
704 |
|
|
|
|
382 |
|
|
其他非利息收入 |
|
|
2,109 |
|
|
|
|
1,932 |
|
|
|
|
2,220 |
|
|
|
|
2,125 |
|
|
|
|
1,821 |
|
|
非利息收入总额 |
$ |
|
34,881 |
|
|
$ |
|
34,903 |
|
|
$ |
|
37,726 |
|
|
$ |
|
34,673 |
|
|
$ |
|
34,874 |
|
|
非利息支出 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
工资、佣金和员工福利，不包括利润分享 |
$ |
|
32,540 |
|
|
$ |
|
31,876 |
|
|
$ |
|
34,460 |
|
|
$ |
|
32,936 |
|
|
$ |
|
32,636 |
|
|
利润分成费用 |
|
|
1,598 |
|
|
|
|
3,099 |
|
|
|
|
2,630 |
|
|
|
|
2,110 |
|
|
|
|
2,295 |
|
|
入住费净额 |
|
|
3,225 |
|
|
|
|
3,333 |
|
|
|
|
3,288 |
|
|
|
|
3,241 |
|
|
|
|
3,147 |
|
|
设备费用 |
|
|
2,257 |
|
|
|
|
2,382 |
|
|
|
|
2,450 |
|
|
|
|
2,177 |
|
|
|
|
2,164 |
|
|
FDIC保险费 |
|
|
869 |
|
|
|
|
848 |
|
|
|
|
815 |
|
|
|
|
766 |
|
|
|
|
701 |
|
|
自动柜员机、转账和信用卡费用 |
|
|
2,968 |
|
|
|
|
3,227 |
|
|
|
|
2,935 |
|
|
|
|
3,039 |
|
|
|
|
2,772 |
|
|
律师费、税费和律师费 |
|
|
2,957 |
|
|
|
|
2,835 |
|
|
|
|
2,893 |
|
|
|
|
3,352 |
|
|
|
|
2,726 |
|
|
审计费 |
|
|
451 |
|
|
|
|
423 |
|
|
|
|
466 |
|
|
|
|
430 |
|
|
|
|
440 |
|
|
印刷、文具和用品 |
|
|
540 |
|
|
|
|
664 |
|
|
|
|
432 |
|
|
|
|
489 |
|
|
|
|
325 |
|
|
无形资产摊销 |
|
|
320 |
|
|
|
|
391 |
|
|
|
|
398 |
|
|
|
|
412 |
|
|
|
|
412 |
|
|
广告和公共关系 |
|
|
1,493 |
|
|
|
|
1,842 |
|
|
|
|
1,746 |
|
|
|
|
1,392 |
|
|
|
|
1,388 |
|
|
运营亏损和其他亏损 |
|
|
596 |
|
|
|
|
1,385 |
|
|
|
|
1,087 |
|
|
|
|
534 |
|
|
|
|
287 |
|
|
软件摊销和费用 |
|
|
2,457 |
|
|
|
|
2,817 |
|
|
|
|
2,855 |
|
|
|
|
2,829 |
|
|
|
|
2,619 |
|
|
其他非利息支出 |
|
|
6,954 |
|
|
|
|
6,550 |
|
|
|
|
6,484 |
|
|
|
|
5,667 |
|
|
|
|
5,811 |
|
|
总非利息支出 |
$ |
|
59,225 |
|
|
$ |
|
61,672 |
|
|
$ |
|
62,939 |
|
|
$ |
|
59,374 |
|
|
$ |
|
57,723 |
|
|
税额当量收益率调整 |
$ |
|
3,782 |
|
|
$ |
|
3,841 |
|
|
$ |
|
3,670 |
|
|
$ |
|
3,633 |
|
|
$ |
|
3,547 |
|
|
第一金融银行股份有限公司
选定的财务数据(未经审计)
(单位：千)
|
截至三个月 |
|
|
|
截至三个月 |
||||||||||||||||||||||||||||
|
Mar. 31, 2022 |
|
|
|
Dec. 31, 2021 |
||||||||||||||||||||||||||||
|
|
平均值 |
|
|
|
税额当量 |
|
|
|
收益率/ |
|
|
|
|
|
|
平均值 |
|
|
|
税额当量 |
|
|
|
收益率/ |
|
|
||||||
|
|
天平 |
|
|
|
利息 |
|
|
|
费率 |
|
|
|
|
|
|
天平 |
|
|
|
利息 |
|
|
|
费率 |
|
|
||||||
生息资产： |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
出售的联邦基金 |
$ |
|
1,015 |
|
|
$ |
|
1 |
|
|
|
|
0.52 |
|
% |
|
|
|
$ |
|
82 |
|
|
$ |
|
- |
|
|
|
|
0.48 |
|
% |
非关联银行的生息存款 |
|
|
171,970 |
|
|
|
|
94 |
|
|
|
|
0.22 |
|
|
|
|
|
|
|
320,102 |
|
|
|
|
124 |
|
|
|
|
0.15 |
|
|
应税证券 |
|
|
4,231,949 |
|
|
|
|
17,823 |
|
|
|
|
1.68 |
|
|
|
|
|
|
|
3,590,137 |
|
|
|
|
13,556 |
|
|
|
|
1.51 |
|
|
免税证券 |
|
|
2,612,025 |
|
|
|
|
18,107 |
|
|
|
|
2.77 |
|
|
|
|
|
|
|
2,636,360 |
|
|
|
|
18,163 |
|
|
|
|
2.76 |
|
|
贷款 |
|
|
5,487,538 |
|
|
|
|
64,766 |
|
|
|
|
4.79 |
|
|
|
|
|
|
|
5,347,069 |
|
|
|
|
67,993 |
|
|
|
|
5.04 |
|
|
生息资产总额 |
|
|
12,504,497 |
|
|
$ |
|
100,791 |
|
|
|
|
3.27 |
|
% |
|
|
|
|
|
11,893,750 |
|
|
$ |
|
99,836 |
|
|
|
|
3.33 |
|
% |
非息资产 |
|
|
744,810 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
726,932 |
|
|
|
|
|
|
|
|
|
|
||||
总资产 |
$ |
|
13,249,307 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
12,620,682 |
|
|
|
|
|
|
|
|
|
|
||||
计息负债： |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
存款 |
$ |
|
6,898,059 |
|
|
$ |
|
1,369 |
|
|
|
|
0.08 |
|
% |
|
|
|
$ |
|
6,399,343 |
|
|
$ |
|
1,110 |
|
|
|
|
0.07 |
|
% |
借款 |
|
|
781,314 |
|
|
|
|
201 |
|
|
|
|
0.10 |
|
|
|
|
|
|
|
639,725 |
|
|
|
|
77 |
|
|
|
|
0.05 |
|
|
计息负债总额 |
|
|
7,679,373 |
|
|
$ |
|
1,570 |
|
|
|
|
0.08 |
|
% |
|
|
|
|
|
7,039,068 |
|
|
$ |
|
1,187 |
|
|
|
|
0.07 |
|
% |
无息存款 |
|
|
3,827,451 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3,744,848 |
|
|
|
|
|
|
|
|
|
|
||||
其他无息负债 |
|
|
64,999 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
99,091 |
|
|
|
|
|
|
|
|
|
|
||||
股东权益 |
|
|
1,677,484 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1,737,675 |
|
|
|
|
|
|
|
|
|
|
||||
总负债和股东权益 |
$ |
|
13,249,307 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
12,620,682 |
|
|
|
|
|
|
|
|
|
|
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
净利息收入和利润率(税额等值) |
|
|
|
|
$ |
|
99,221 |
|
|
|
|
3.22 |
|
% |
|
|
|
|
|
|
|
$ |
|
98,649 |
|
|
|
|
3.29 |
|
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
|
截至三个月 |
|
|
|
截至三个月 |
||||||||||||||||||||||||||||
|
Sept. 30, 2021 |
|
|
|
June 30, 2021 |
||||||||||||||||||||||||||||
|
|
平均值 |
|
|
|
税额当量 |
|
|
|
收益率/ |
|
|
|
|
|
|
平均值 |
|
|
|
税额当量 |
|
|
|
收益率/ |
|
|
||||||
|
|
天平 |
|
|
|
利息 |
|
|
|
费率 |
|
|
|
|
|
|
天平 |
|
|
|
利息 |
|
|
|
费率 |
|
|
||||||
生息资产： |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
出售的联邦基金 |
$ |
|
1,554 |
|
|
$ |
|
2 |
|
|
|
|
0.51 |
|
% |
|
|
|
$ |
|
3,049 |
|
|
$ |
|
4 |
|
|
|
|
0.54 |
|
% |
非关联银行的生息存款 |
|
|
612,551 |
|
|
|
|
236 |
|
|
|
|
0.15 |
|
|
|
|
|
|
|
796,835 |
|
|
|
|
211 |
|
|
|
|
0.11 |
|
|
应税证券 |
|
|
3,081,215 |
|
|
|
|
12,122 |
|
|
|
|
1.57 |
|
|
|
|
|
|
|
2,656,211 |
|
|
|
|
11,449 |
|
|
|
|
1.72 |
|
|
免税证券 |
|
|
2,542,606 |
|
|
|
|
17,701 |
|
|
|
|
2.78 |
|
|
|
|
|
|
|
2,461,924 |
|
|
|
|
17,410 |
|
|
|
|
2.83 |
|
|
贷款 |
|
|
5,337,807 |
|
|
|
|
70,807 |
|
|
|
|
5.26 |
|
|
|
|
|
|
|
5,383,781 |
|
|
|
|
67,161 |
|
|
|
|
5.00 |
|
|
生息资产总额 |
|
|
11,575,733 |
|
|
$ |
|
100,868 |
|
|
|
|
3.46 |
|
% |
|
|
|
|
|
11,301,800 |
|
|
$ |
|
96,235 |
|
|
|
|
3.42 |
|
% |
非息资产 |
|
|
705,099 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
692,282 |
|
|
|
|
|
|
|
|
|
|
||||
总资产 |
$ |
|
12,280,832 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
11,994,082 |
|
|
|
|
|
|
|
|
|
|
||||
计息负债： |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
存款 |
$ |
|
6,346,267 |
|
|
$ |
|
1,340 |
|
|
|
|
0.08 |
|
% |
|
|
|
$ |
|
6,229,991 |
|
|
$ |
|
1,560 |
|
|
|
|
0.10 |
|
% |
借款 |
|
|
599,934 |
|
|
|
|
76 |
|
|
|
|
0.05 |
|
|
|
|
|
|
|
527,669 |
|
|
|
|
93 |
|
|
|
|
0.07 |
|
|
计息负债总额 |
|
|
6,946,201 |
|
|
$ |
|
1,416 |
|
|
|
|
0.08 |
|
% |
|
|
|
|
|
6,757,660 |
|
|
$ |
|
1,653 |
|
|
|
|
0.10 |
|
% |
无息存款 |
|
|
3,490,685 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3,439,683 |
|
|
|
|
|
|
|
|
|
|
||||
其他无息负债 |
|
|
103,446 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
106,994 |
|
|
|
|
|
|
|
|
|
|
||||
股东权益 |
|
|
1,740,500 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1,689,745 |
|
|
|
|
|
|
|
|
|
|
||||
总负债和股东权益 |
$ |
|
12,280,832 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
11,994,082 |
|
|
|
|
|
|
|
|
|
|
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
净利息收入和利润率(税额等值) |
|
|
|
|
$ |
|
99,452 |
|
|
|
|
3.41 |
|
% |
|
|
|
|
|
|
|
$ |
|
94,582 |
|
|
|
|
3.36 |
|
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
|
截至三个月 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||||
|
Mar. 31, 2021 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||||
|
|
平均值 |
|
|
|
税额当量 |
|
|
|
收益率/ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
|
|
天平 |
|
|
|
利息 |
|
|
|
费率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
生息资产： |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
出售的联邦基金 |
$ |
|
1,942 |
|
|
$ |
|
3 |
|
|
|
|
0.58 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
非关联银行的生息存款 |
|
|
637,129 |
|
|
|
|
159 |
|
|
|
|
0.10 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
应税证券 |
|
|
2,251,419 |
|
|
|
|
10,264 |
|
|
|
|
1.82 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
免税证券 |
|
|
2,368,615 |
|
|
|
|
16,979 |
|
|
|
|
2.87 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
贷款 |
|
|
5,296,149 |
|
|
|
|
66,753 |
|
|
|
|
5.11 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
生息资产总额 |
|
|
10,555,254 |
|
|
$ |
|
94,158 |
|
|
|
|
3.62 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
非息资产 |
|
|
700,550 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
总资产 |
$ |
|
11,255,804 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
计息负债： |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
存款 |
$ |
|
5,916,237 |
|
|
$ |
|
1,696 |
|
|
|
|
0.12 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
借款 |
|
|
456,620 |
|
|
|
|
91 |
|
|
|
|
0.08 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
计息负债总额 |
|
|
6,372,857 |
|
|
$ |
|
1,787 |
|
|
|
|
0.11 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
无息存款 |
|
|
3,114,656 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
其他无息负债 |
|
|
99,581 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
股东权益 |
|
|
1,668,710 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
总负债和股东权益 |
$ |
|
11,255,804 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
净利息收入和利润率(税额等值) |
|
|
|
|
$ |
|
92,371 |
|
|
|
|
3.55 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||