|
|
| |
|
|
| | | | 董事会命令, | |
| | | |
|
|
| | | |
Eduardo J. Arriola
董事长兼首席执行官 |
|
|
Miami, Florida
August 11, 2022 |
| | | |
| | | | 董事会命令, | |
| | | |
|
|
| | | |
Eduardo J. Arriola
董事长兼首席执行官 |
|
|
Miami, Florida
August 11, 2022 |
| | | |
| | |
Page
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有关合并和阿波罗特别会议提案的问答
|
| | | | 1 | | |
关于银行合并的问答和对
的建议
阿波罗银行特别会议 |
| | | | 7 | | |
SUMMARY
|
| | | | 11 | | |
有关海岸银行、瑞士央行、阿波罗和阿波罗银行的信息
|
| | | | 11 | | |
Recent Developments
|
| | | | 12 | | |
Regulatory Approvals
|
| | | | 12 | | |
合并和银行合并
|
| | | | 12 | | |
合并和银行合并的结束和生效时间
|
| | | | 13 | | |
Merger Consideration
|
| | | | 13 | | |
等值阿波罗普通股每股价值
|
| | | | 14 | | |
等值阿波罗银行每股普通股价值
|
| | | | 14 | | |
将阿波罗普通股和阿波罗银行普通股转换为合并对价的程序
|
| | | | 15 | | |
合并和银行合并对美国联邦所得税的重大影响
|
| | | | 15 | | |
阿波罗评估权
|
| | | | 15 | | |
阿波罗银行评估权
|
| | | | 15 | | |
阿波罗和阿波罗银行财务顾问意见
|
| | | | 16 | | |
阿波罗董事会推荐
|
| | | | 16 | | |
阿波罗银行董事会推荐
|
| | | | 17 | | |
阿波罗董事和高管在合并中的利益
|
| | | | 17 | | |
阿波罗公平奖的待遇
|
| | | | 17 | | |
完成合并的条件
|
| | | | 18 | | |
完成银行合并的条件
|
| | | | 19 | | |
Third Party Proposals
|
| | | | 19 | | |
Termination
|
| | | | 19 | | |
Termination Fee
|
| | | | 20 | | |
NASDAQ Listing
|
| | | | 21 | | |
Apollo Special Meeting
|
| | | | 21 | | |
需要阿波罗股东投票
|
| | | | 21 | | |
阿波罗银行特别会议
|
| | | | 21 | | |
要求阿波罗银行股东投票
|
| | | | 22 | | |
No Restriction on Resale
|
| | | | 22 | | |
市场价格和股利信息
|
| | | | 22 | | |
股东权利对比表
|
| | | | 23 | | |
Risk Factors
|
| | | | 23 | | |
RISK FACTORS
|
| | | | 25 | | |
有关前瞻性陈述的警示声明
|
| | | | 32 | | |
沿海精选历史合并财务数据
|
| | | | 34 | | |
市场价格和股息信息
|
| | | | 35 | | |
关于阿波罗特别会议的信息
|
| | | | 37 | | |
| | |
Page
|
| |||
Time, Date, and Place
|
| | | | 37 | | |
会议将审议的事项
|
| | | | 37 | | |
阿波罗董事会推荐
|
| | | | 37 | | |
Record Date and Quorum
|
| | | | 37 | | |
Required Vote
|
| | | | 38 | | |
如何投票给 - 登记在册的股东
|
| | | | 38 | | |
Revocation of Proxies
|
| | | | 39 | | |
受股东支持协议约束的股份;由董事和高管持有的股份
|
| | | | 39 | | |
代理征集
|
| | | | 40 | | |
Attending the Meeting
|
| | | | 40 | | |
问题和其他信息
|
| | | | 40 | | |
阿波罗银行特别会议信息
|
| | | | 41 | | |
Time, Date, and Place
|
| | | | 41 | | |
将在阿波罗银行特别会议上审议的事项
|
| | | | 41 | | |
Record Date; Quorum
|
| | | | 41 | | |
需要阿波罗银行股东投票;阿波罗银行股东支持协议
|
| | | | 42 | | |
如何投票给 - 登记在册的股东
|
| | | | 43 | | |
Revocation of Proxies
|
| | | | 43 | | |
阿波罗银行董事会推荐
|
| | | | 43 | | |
代理征集
|
| | | | 44 | | |
出席阿波罗银行特别会议
|
| | | | 44 | | |
问题和其他信息
|
| | | | 44 | | |
APOLLO PROPOSAL 1: THE MERGER
|
| | | | 45 | | |
阿波罗银行提案1:银行合并
|
| | | | 45 | | |
Background of the Merger
|
| | | | 45 | | |
阿波罗公司合并的原因和阿波罗公司董事会的建议
|
| | | | 46 | | |
阿波罗银行合并的原因
|
| | | | 48 | | |
海岸航空公司合并的原因
|
| | | | 49 | | |
阿波罗和阿波罗银行财务顾问意见
|
| | | | 49 | | |
合并对美国联邦所得税的重大影响
|
| | | | 62 | | |
Accounting Treatment
|
| | | | 65 | | |
Regulatory Approvals
|
| | | | 65 | | |
阿波罗股东的评估权
|
| | | | 66 | | |
阿波罗银行股东的持不同政见者权利
|
| | | | 69 | | |
海岸银行和瑞士央行合并后的董事会和管理层
|
| | | | 70 | | |
阿波罗董事和高管在合并中的利益
|
| | | | 70 | | |
PROPOSAL 2: ARRIOLA 280G PROPOSAL
|
| | | | 73 | | |
提案3:Rodriguez 280G提案
|
| | | | 73 | | |
金色降落伞规则
|
| | | | 73 | | |
私有公司的股东投票例外情况
|
| | | | 73 | | |
付款估价
|
| | | | 73 | | |
| | |
Page
|
| |||
股东投票的效果
|
| | | | 74 | | |
付款说明
|
| | | | 74 | | |
请求股东批准
|
| | | | 76 | | |
提案4:阿波罗特别会议休会
|
| | | | 78 | | |
合并协议和银行合并协议
|
| | | | 79 | | |
合并和银行合并
|
| | | | 79 | | |
合并的完成时间和生效时间
|
| | | | 80 | | |
Merger Consideration
|
| | | | 80 | | |
阿波罗公平奖的待遇
|
| | | | 81 | | |
Exchange Procedures
|
| | | | 82 | | |
尚存控股公司和尚存银行的组织文件;董事和高级管理人员
|
| | | | 82 | | |
待合并的业务行为
|
| | | | 83 | | |
阿波罗和阿波罗银行股东批准
|
| | | | 85 | | |
Regulatory Matters
|
| | | | 85 | | |
NASDAQ Listing
|
| | | | 86 | | |
Employee Matters
|
| | | | 86 | | |
赔偿和董事及高级职员保险
|
| | | | 87 | | |
Third Party Proposals
|
| | | | 87 | | |
Approval of 280G Payments
|
| | | | 88 | | |
系统集成;操作功能
|
| | | | 89 | | |
阿波罗高级笔记的假设
|
| | | | 89 | | |
海岸咨询委员会
|
| | | | 89 | | |
陈述和保修
|
| | | | 89 | | |
完成合并的条件
|
| | | | 91 | | |
完成银行合并的条件
|
| | | | 92 | | |
Termination
|
| | | | 92 | | |
Termination Fee
|
| | | | 93 | | |
Waiver; Amendment
|
| | | | 94 | | |
Expenses
|
| | | | 94 | | |
股东权利对比表
|
| | | | 95 | | |
阿波罗银行股份有限公司的业务和阿波罗银行
|
| | | | 110 | | |
阿波罗管理层和主要股东对阿波罗普通股的实益所有权
|
| | | | 112 | | |
沿海资本存量说明
|
| | | | 114 | | |
EXPERTS
|
| | | | 117 | | |
LEGAL MATTERS
|
| | | | 117 | | |
OTHER MATTERS
|
| | | | 117 | | |
通过引用并入的文档
|
| | | | 117 | | |
APPENDICES: | | | | | | | |
附录A - 协议和合并计划
|
| | | | A-1 | | |
附录B - 合并和合并协议计划
|
| | | | B-1 | | |
附录C - 对Keefe,Bruyette&Wood,Inc.的意见
|
| | | | C-1 | | |
| | |
Page
|
| |||
《佛罗里达州商业公司法》关于评估权利的附录D - 条款
|
| | | | D-1 | | |
《美国法典》关于持不同政见者权利的附录E - 条款
|
| | | | E-1 | | |
附录F - 阿波罗银行股份有限公司及其子公司合并财务报表
|
| | | | F-1 | | |
附录G - 阿波罗银行股份有限公司及其子公司合并资产负债表
|
| | | | G-1 | | |
Date
|
| |
Seacoast
closing sale price |
| |
Equivalent
Apollo per share value |
| ||||||
March 28, 2022
|
| | | $ | 35.48 | | | | | $ | 36.65 | | |
August 10, 2022
|
| | | $ | 34.33 | | | | | $ | 35.46 | | |
Date
|
| |
Seacoast
closing sale price |
| |
Equivalent
Apollo Bank per share value |
| ||||||
March 28, 2022
|
| | | $ | 35.48 | | | | | $ | 42.42 | | |
August 10, 2022
|
| | | $ | 34.33 | | | | | $ | 41.05 | | |
| | |
Seacoast Common Stock
|
| |||||||||||||||
| | |
High
|
| |
Low
|
| |
Dividends
|
| |||||||||
2020 | | | | | | | | | | | | | | | | | | | |
First Quarter
|
| | | $ | 30.87 | | | | | $ | 13.30 | | | | | $ | — | | |
Second Quarter
|
| | | $ | 25.89 | | | | | $ | 16.02 | | | | | $ | — | | |
Third Quarter
|
| | | $ | 22.23 | | | | | $ | 17.00 | | | | | $ | — | | |
Fourth Quarter
|
| | | $ | 30.26 | | | | | $ | 17.62 | | | | | $ | — | | |
2021 | | | | | | | | | | | | | | | | | | | |
First Quarter
|
| | | $ | 40.93 | | | | | $ | 28.52 | | | | | $ | — | | |
Second Quarter
|
| | | $ | 38.87 | | | | | $ | 33.00 | | | | | $ | 0.13 | | |
Third Quarter
|
| | | $ | 34.56 | | | | | $ | 29.28 | | | | | $ | 0.13 | | |
Fourth Quarter
|
| | | $ | 38.48 | | | | | $ | 32.38 | | | | | $ | 0.13 | | |
| | |
Seacoast Common Stock
|
| |||||||||||||||
| | |
High
|
| |
Low
|
| |
Dividends
|
| |||||||||
2022 | | | | | | | | | | | | | | | | | | | |
First Quarter
|
| | | $ | 39.31 | | | | | $ | 32.40 | | | | | $ | 0.13 | | |
Second Quarter
|
| | | $ | 35.96 | | | | | $ | 30.82 | | | | | $ | 0.17 | | |
Third Quarter (through August 9, 2022)
|
| | | $ | 36.92 | | | | | $ | 31.17 | | | | | $ | — | | |
Date
|
| |
Price
per Share |
| |
Number of
Shares |
| ||||||
January 1, 2021
|
| | | $ | 20.00 | | | | | | 6,600 | | |
January 5, 2022
|
| | | | 17.00 | | | | | | 10,046 | | |
January 5, 2022
|
| | | | 17.00 | | | | | | 4,500 | | |
| | |
Six Months Ended
June 30, |
| |
Year Ended December 31,
|
| ||||||||||||||||||||||||||||||||||||
(金额以千计,每股数据除外)
|
| |
2022
|
| |
2021
|
| |
2021
|
| |
2020
|
| |
2019
|
| |
2018
|
| |
2017
|
| |||||||||||||||||||||
Net interest income
|
| | | $ | 158,169 | | | | | $ | 132,412 | | | | | $ | 276,025 | | | | | $ | 262,743 | | | | | $ | 243,618 | | | | | $ | 211,515 | | | | | $ | 176,296 | | |
信贷损失准备金
|
| | | | 7,378 | | | | | | (10,570) | | | | | | (9,421) | | | | | | 38,179 | | | | | | 10,999 | | | | | | 11,730 | | | | | | 5,648 | | |
Noninterest income: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Other
|
| | | | 33,089 | | | | | | 33,162 | | | | | | 71,305 | | | | | | 60,335 | | | | | | 55,515 | | | | | | 50,645 | | | | | | 43,230 | | |
Gain on sale of VISA stock
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 15,153 | | |
证券(亏损)/收益,净额
|
| | | | (752) | | | | | | (169) | | | | | | (578) | | | | | | 1,235 | | | | | | 1,217 | | | | | | (623) | | | | | | 86 | | |
Noninterest expense
|
| | | | 115,065 | | | | | | 91,904 | | | | | | 197,435 | | | | | | 185,552 | | | | | | 160,739 | | | | | | 162,273 | | | | | | 149,916 | | |
所得税前收入
|
| | | | 68,063 | | | | | | 84,071 | | | | | | 158,738 | | | | | | 100,582 | | | | | | 128,612 | | | | | | 87,534 | | | | | | 79,201 | | |
所得税拨备
|
| | | | 14,720 | | | | | | 18,942 | | | | | | 34,335 | | | | | | 22,818 | | | | | | 29,873 | | | | | | 20,259 | | | | | | 36,336 | | |
Net income
|
| | | $ | 53,343 | | | | | $ | 65,129 | | | | | $ | 124,403 | | | | | $ | 77,764 | | | | | $ | 98,739 | | | | | $ | 67,275 | | | | | $ | 42,865 | | |
Per share data | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
普通股股东可获得的净收入:
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Diluted
|
| | | $ | 0.86 | | | | | $ | 1.17 | | | | | $ | 2.18 | | | | | $ | 1.44 | | | | | $ | 1.90 | | | | | $ | 1.38 | | | | | $ | 0.99 | | |
Basic
|
| | | | 0.87 | | | | | | 1.18 | | | | | | 2.20 | | | | | | 1.45 | | | | | | 1.92 | | | | | | 1.40 | | | | | | 1.01 | | |
宣布的现金股利
|
| | | | 0.30 | | | | | | 0.13 | | | | | | 0.39 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
每股普通股账面价值
|
| | | | 21.65 | | | | | | 21.33 | | | | | | 22.40 | | | | | | 20.46 | | | | | | 19.13 | | | | | | 16.83 | | | | | | 14.70 | | |
Assets
|
| | | $ | 10,811,704 | | | | | $ | 9,316,833 | | | | | $ | 9,681,433 | | | | | $ | 8,342,392 | | | | | $ | 7,108,511 | | | | | $ | 6,747,659 | | | | | $ | 5,810,129 | | |
Net loans
|
| | | | 6,450,779 | | | | | | 5,355,922 | | | | | | 5,841,714 | | | | | | 5,642,616 | | | | | | 5,163,250 | | | | | | 4,792,791 | | | | | | 3,790,255 | | |
Deposits
|
| | | | 9,188,953 | | | | | | 7,836,436 | | | | | | 8,067,589 | | | | | | 6,932,561 | | | | | | 5,584,753 | | | | | | 5,177,240 | | | | | | 4,592,720 | | |
Shareholders’ equity
|
| | | | 1,329,575 | | | | | | 1,182,347 | | | | | | 1,310,736 | | | | | | 1,130,402 | | | | | | 985,639 | | | | | | 864,267 | | | | | | 689,664 | | |
Performance ratios: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Return on average assets
|
| | | | 1.00% | | | | | | 1.50% | | | | | | 1.33% | | | | | | 0.99% | | | | | | 1.45% | | | | | | 1.11% | | | | | | 0.82% | | |
Return on average equity
|
| | | | 7.82% | | | | | | 11.39% | | | | | | 10.24% | | | | | | 7.44% | | | | | | 10.63% | | | | | | 9.08% | | | | | | 7.51% | | |
平均权益与平均资产之比
|
| | | | 12.81% | | | | | | 13.17% | | | | | | 13.02% | | | | | | 13.30% | | | | | | 13.60% | | | | | | 12.23% | | | | | | 10.96% | | |
| | |
Seacoast Common Stock
|
| |||||||||||||||
| | |
High
|
| |
Low
|
| |
Dividends
|
| |||||||||
2020 | | | | | | | | | | | | | | | | | | | |
First Quarter
|
| | | $ | 30.87 | | | | | $ | 13.30 | | | | | $ | — | | |
Second Quarter
|
| | | $ | 25.89 | | | | | $ | 16.02 | | | | | $ | — | | |
Third Quarter
|
| | | $ | 22.23 | | | | | $ | 17.00 | | | | | $ | — | | |
Fourth Quarter
|
| | | $ | 30.26 | | | | | $ | 17.62 | | | | | $ | — | | |
2021 | | | | | | | | | | | | | | | | | | | |
First Quarter
|
| | | $ | 40.93 | | | | | $ | 28.52 | | | | | $ | — | | |
Second Quarter
|
| | | $ | 38.87 | | | | | $ | 33.00 | | | | | $ | 0.13 | | |
Third Quarter
|
| | | $ | 34.56 | | | | | $ | 29.28 | | | | | $ | 0.13 | | |
Fourth Quarter
|
| | | $ | 38.48 | | | | | $ | 32.38 | | | | | $ | 0.13 | | |
2022 | | | | | | | | | | | | | | | | | | | |
First Quarter
|
| | | $ | 39.31 | | | | | $ | 32.40 | | | | | $ | 0.13 | | |
Second Quarter
|
| | | $ | 35.96 | | | | | $ | 30.82 | | | | | $ | 0.17 | | |
Third Quarter (through August 9, 2022)
|
| | | $ | 36.92 | | | | | $ | 31.17 | | | | | $ | — | | |
Date
|
| |
Price per
Share |
| |
Number of
Shares |
| ||||||
January 1, 2021
|
| | | $ | 20.00 | | | | | | 6,600 | | |
January 5, 2022
|
| | | | 17.00 | | | | | | 10,046 | | |
January 5, 2022
|
| | | | 17.00 | | | | | | 4,500 | | |
| | | | | | | | |
Selected Companies
|
| |||||||||||||||||||||
| | |
Apollo(1)
|
| |
Average
|
| |
Median
|
| |
25th
Percentile |
| |
75th
Percentile |
| |||||||||||||||
MRQ核心税前平均资产拨备回报率(2)
|
| | | | 1.12%(5) | | | | | | 1.13% | | | | | | 1.19% | | | | | | 0.84% | | | | | | 1.44% | | |
MRQ核心平均资产回报率(3)
|
| | | | 0.74%(5) | | | | | | 0.94% | | | | | | 0.94% | | | | | | 0.77% | | | | | | 1.09% | | |
MRQ核心平均有形普通股权益回报率(3)
|
| | | | 8.8%(5)(6) | | | | | | 10.6% | | | | | | 11.4% | | | | | | 8.6% | | | | | | 12.2% | | |
MRQ Net Interest Margin
|
| | | | 2.94%(7) | | | | | | 3.14% | | | | | | 3.07% | | | | | | 2.81% | | | | | | 3.50% | | |
MRQ Fee Income / Revenue Ratio(4)
|
| | | | 10.0%(5) | | | | | | 22.7% | | | | | | 19.7% | | | | | | 11.3% | | | | | | 27.2% | | |
MRQ Efficiency Ratio
|
| | | | 63.9%(5) | | | | | | 69.3% | | | | | | 66.6% | | | | | | 80.0% | | | | | | 61.1% | | |
| | | | | | | | |
Selected Companies
|
| |||||||||||||||||||||
| | |
Apollo(1)
|
| |
Average
|
| |
Median
|
| |
25th
Percentile |
| |
75th
Percentile |
| |||||||||||||||
有形普通股权益/有形资产
|
| | | | 6.79%(2) | | | | | | 9.01% | | | | | | 8.77% | | | | | | 8.00% | | | | | | 9.67% | | |
Total Capital Ratio
|
| | | | 13.31%(3) | | | | | | 15.15% | | | | | | 14.74% | | | | | | 13.70% | | | | | | 16.13% | | |
Loans / Deposits
|
| | | | 71.7% | | | | | | 69.5% | | | | | | 66.1% | | | | | | 59.1% | | | | | | 80.3% | | |
Loan Loss Reserves / Loans
|
| | | | 1.04%(4) | | | | | | 1.10% | | | | | | 1.16% | | | | | | 0.86% | | | | | | 1.27% | | |
不良资产/贷款+OREO
|
| | | | 0.59%(5) | | | | | | 0.62% | | | | | | 0.50% | | | | | | 0.76% | | | | | | 0.33% | | |
净冲销/平均贷款
|
| | | | 0.00%(6) | | | | | | 0.02% | | | | | | 0.01% | | | | | | 0.06% | | | | | | (0.05)% | | |
| | |
Selected Companies
|
| |||||||||||||||||||||
| | |
Average
|
| |
Median
|
| |
25th
Percentile |
| |
75th
Percentile |
| ||||||||||||
一年股价变动
|
| | | | 11.2% | | | | | | 13.5% | | | | | | 3.0% | | | | | | 19.7% | | |
年初至今股价变动
|
| | | | 1.7% | | | | | | 0.9% | | | | | | (3.7)% | | | | | | 5.9% | | |
每股价格/有形账面价值
|
| | | | 1.22x | | | | | | 1.18x | | | | | | 1.13x | | | | | | 1.29x | | |
Price / 2022 EPS Estimate
|
| | | | 11.8x | | | | | | 11.3x | | | | | | 11.2x | | | | | | 12.1x | | |
Price / 2023 EPS Estimate
|
| | | | 10.5x | | | | | | 10.7x | | | | | | 9.2x | | | | | | 12.0x | | |
Dividend Yield
|
| | | | 2.1% | | | | | | 2.0% | | | | | | 1.0% | | | | | | 3.1% | | |
LTM股息支付率
|
| | | | 30.9% | | | | | | 27.4% | | | | | | 16.8% | | | | | | 45.9% | | |
| | | | | | | | |
Selected Companies
|
| |||||||||||||||||||||
| | |
Seacoast
|
| |
Average
|
| |
Median
|
| |
25th
Percentile |
| |
75th
Percentile |
| |||||||||||||||
MRQ核心税前平均资产拨备回报率(1)
|
| | | | 1.68% | | | | | | 1.48% | | | | | | 1.40% | | | | | | 1.20% | | | | | | 1.82% | | |
MRQ核心平均资产回报率(2)
|
| | | | 1.49% | | | | | | 1.21% | | | | | | 1.18% | | | | | | 0.97% | | | | | | 1.52% | | |
MRQ核心平均有形普通股权益回报率(2)
|
| | | | 14.5% | | | | | | 13.9% | | | | | | 13.8% | | | | | | 11.2% | | | | | | 17.1% | | |
MRQ Net Interest Margin
|
| | | | 3.19% | | | | | | 3.00% | | | | | | 3.00% | | | | | | 2.78% | | | | | | 3.18% | | |
MRQ Fee Income / Revenue Ratio(3)
|
| | | | 20.2% | | | | | | 24.6% | | | | | | 21.6% | | | | | | 18.2% | | | | | | 32.1% | | |
MRQ Efficiency Ratio
|
| | | | 53.5% | | | | | | 58.4% | | | | | | 58.8% | | | | | | 67.5% | | | | | | 49.2% | | |
| | | | | | | | | | | | | | |
Selected Companies
|
| |||||||||||||||||||||
| | |
Seacoast
|
| |
Seacoast
Pro Forma(2) |
| |
Average
|
| |
Median
|
| |
25th
Percentile |
| |
75th
Percentile |
| ||||||||||||||||||
有形普通股权益/有形资产
|
| | | | 11.10% | | | | | | 10.82% | | | | | | 8.87% | | | | | | 8.78% | | | | | | 8.09% | | | | | | 9.54% | | |
Total Capital Ratio
|
| | | | 18.21% | | | | | | 17.95% | | | | | | 15.57% | | | | | | 15.56% | | | | | | 14.51% | | | | | | 16.33% | | |
Loans / Deposits
|
| | | | 73.4% | | | | | | 72.9% | | | | | | 71.7% | | | | | | 70.2% | | | | | | 68.3% | | | | | | 72.0% | | |
Loan Loss Reserves / Loans
|
| | | | 1.40% | | | | | | | | | | | | 1.28% | | | | | | 1.25% | | | | | | 1.06% | | | | | | 1.39% | | |
不良资产/贷款+OREO
|
| | | | 0.81% | | | | | | | | | | | | 0.67% | | | | | | 0.69% | | | | | | 0.83% | | | | | | 0.48% | | |
净冲销/平均贷款
|
| | | | 0.04% | | | | | | | | | | | | 0.10% | | | | | | 0.05% | | | | | | 0.09% | | | | | | 0.03% | | |
Three-Year Core EPS CAGR(1)
|
| | | | 13.7% | | | | | | | | | | | | 7.2% | | | | | | 5.0% | | | | | | 3.1% | | | | | | 11.1% | | |
三年每股总资产年复合增长率
|
| | | | 13.1% | | | | | | | | | | | | 10.2% | | | | | | 10.4% | | | | | | 8.1% | | | | | | 11.5% | | |
| | | | | | | | | | | | | | |
Selected Companies
|
| |||||||||||||||||||||
| | |
Seacoast
|
| |
Seacoast
Pro Forma(3) |
| |
Average
|
| |
Median
|
| |
25th
Percentile |
| |
75th
Percentile |
| ||||||||||||||||||
一年股价变动
|
| | | | (0.3)% | | | | | | | | | | | | 7.6% | | | | | | (1.2)% | | | | | | (6.9)% | | | | | | 0.2% | | |
年初至今股价变动
|
| | | | 1.7% | | | | | | | | | | | | (3.1)% | | | | | | (4.4)% | | | | | | (6.3)% | | | | | | (0.7)% | | |
每股价格/有形账面价值
|
| | | | 2.01x | | | | | | 2.03x | | | | | | 1.69x | | | | | | 1.59x | | | | | | 1.49x | | | | | | 1.82x | | |
Price / 2022 EPS Estimate
|
| | | | 17.9x | | | | | | | | | | | | 14.6x | | | | | | 14.0x | | | | | | 13.0x | | | | | | 15.5x | | |
价格/资本调整后的2022年每股收益估计(1)
|
| | | | 16.3x | | | | | | 16.5x | | | | | | 14.5x | | | | | | 13.8x | | | | | | 12.7x | | | | | | 14.5x | | |
Price / 2023 EPS Estimate
|
| | | | 15.6x | | | | | | | | | | | | 13.0x | | | | | | 12.5x | | | | | | 11.7x | | | | | | 13.3x | | |
价格/资本调整后2023年每股收益估计(1)
|
| | | | 14.2x | | | | | | 14.3x | | | | | | 13.0x | | | | | | 12.0x | | | | | | 11.3x | | | | | | 13.5x | | |
2022-2023 EPS Growth
|
| | | | 14.5% | | | | | | | | | | | | 11.7% | | | | | | 10.3% | | | | | | 9.0% | | | | | | 13.5% | | |
2022 PEG Ratio(2)
|
| | | | 1.24x | | | | | | | | | | | | 1.42x | | | | | | 1.29x | | | | | | 0.96x | | | | | | 1.67x | | |
Dividend Yield
|
| | | | 1.4% | | | | | | | | | | | | 2.3% | | | | | | 2.6% | | | | | | 1.6% | | | | | | 2.9% | | |
LTM股息支付率
|
| | | | 23.9% | | | | | | | | | | | | 28.1% | | | | | | 27.6% | | | | | | 23.3% | | | | | | 36.3% | | |
Acquiror
|
| |
Acquired Company
|
|
First Internet Bancorp | | | 第一世纪银行。 | |
联合社区银行股份有限公司 | | | Reliant Bancorp, Inc. | |
密歇根湖信用合作社 | | | Pilot Bancshares, Inc. | |
西蒙斯第一国家公司 | | | 地标社区银行 | |
西蒙斯第一国家公司 | | | 凯旋银行股份有限公司 | |
United Bankshares, Inc. | | | 社区银行家信托公司 | |
First Foundation Inc. | | | TGR Financial, Inc. | |
First Bancorp | | | Select Bancorp, Inc. | |
联合社区银行股份有限公司 | | | Aquesta Financial Holdings,Inc. | |
Colony Bankcorp, Inc. | | | Southcrest Financial Group,Inc. | |
VyStar Credit Union | | | 遗产东南银行股份有限公司 | |
Peoples Bancorp Inc. | | | Premier Financial Bancorp,Inc. | |
佛罗里达海岸银行公司 | | | 佛罗里达遗产银行 | |
BancorpSouth Bank | | | FNS Bancshares, Inc. | |
蓝岭银行股份有限公司 | | | 弗吉尼亚州海湾银行股份有限公司 | |
联合社区银行股份有限公司 | | | 三岸银行股份有限公司 | |
| | | | | | | | |
所选交易记录
|
| |||||||||||||||||||||
| | |
Seacoast /
Apollo |
| |
75th
Percentile |
| |
Average
|
| |
Median
|
| |
25th
Percentile |
| |||||||||||||||
交易价值/有形账面价值
|
| | | | 1.98x | | | | | | 1.85x | | | | | | 1.62x | | | | | | 1.66x | | | | | | 1.45x | | |
Core Deposit Premium(2)
|
| | | | 9.8% | | | | | | 11.2% | | | | | | 8.1% | | | | | | 7.9% | | | | | | 6.3% | | |
Deal Value / LTM Earnings
|
| | | | 20.3x | | | | | | 18.5x | | | | | | 16.2x | | | | | | 14.8x | | | | | | 12.7x | | |
价格/预计收益
|
| | | | 21.9x | | | | | | 15.3x | | | | | | 14.3x | | | | | | 14.0x | | | | | | 12.9x | | |
Price / Forward Earnings
|
| | | | 13.9x | | | | | | 16.0x | | | | | | 14.3x | | | | | | 14.4x | | | | | | 12.7x | | |
| | |
Seacoast
% of Total |
| |
Apollo
% of Total |
| ||||||
Ownership: | | | | | 92.8% | | | | | | 7.2% | | |
Balance Sheet: | | | | | | | | | | | | | |
Assets
|
| | | | 90.8%(1) | | | | | | 9.2% | | |
为投资持有的总贷款
|
| | | | 90.4%(1) | | | | | | 9.6% | | |
Deposits
|
| | | | 90.3%(1) | | | | | | 9.7% | | |
Tangible Common Equity
|
| | | | 92.6%(1) | | | | | | 7.4% | | |
Income Statement: | | | | | | | | | | | | | |
2022 Estimated Earnings
|
| | | | 94.0% | | | | | | 6.0% | | |
2023 Estimated Earnings
|
| | | | 92.1% | | | | | | 7.9% | | |
被取消资格的个人
|
| |
预计总节数280G值
控制支付变更的 |
| |||
Eduardo Arriola
|
| | | $ | 2,721,607 | | |
Ramon Rodriguez
|
| | | $ | 950,000 | | |
被取消资格的个人
|
| |
预计总节数280G值
的归属和支付 补充高管退休计划 |
| |||
Eduardo Arriola
|
| | | $ | 1,095,969 | | |
Ramon Rodriguez
|
| | | $ | 812,712 | | |
被取消资格的个人
|
| |
预计总节数280G值
系列福利中的 |
| |||
Eduardo Arriola
|
| | | $ | 325,000 | | |
被取消资格的个人
|
| |
预计总节数280G值
海岸股票奖 |
| |||
Eduardo Arriola
|
| | | $ | 1,528,393 | | |
被取消资格的个人
|
| |
预计总节数280G值
保证年度奖金的 |
| |||
Eduardo Arriola
|
| | | $ | 165,000 | | |
被取消资格的个人
|
| |
Estimated
Total Section 280G Value of the Payments |
| |
Safe Harbor
Amount |
| |
Estimated Excess
Parachute Payments |
| |
被豁免的估算值
为股东提交的金额 根据280G提案获得批准 |
| ||||||||||||
Eduardo Arriola
|
| | | $ | 5,835,969 | | | | | $ | 2,555,466 | | | | | $ | 4,984,146 | | | | | $ | 3,280,504 | | |
Ramon Rodriguez
|
| | | $ | 1,762,712 | | | | | $ | 945,934 | | | | | $ | 1,447,400 | | | | | $ | 816,779 | | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
Capital Stock
|
| | 阿波罗股本的持有者有权享有《阿波罗公司章程》和《阿波罗章程》赋予资本股东的所有权利和义务 | | | 持有阿波罗银行股本的持有者有权享有FFIC和阿波罗银行的公司章程和章程赋予股东的所有权利和义务。 | | | 海岸公司股本的持有者有权享有根据FBCA和海岸公司的公司章程和附例赋予资本股东的所有权利和义务。 | |
Authorized
|
| | 阿波罗的法定股本包括100,000,000股普通股,每股面值0.01美元,以及50,000,000股优先股,每股面值0.01美元。 | | | 阿波罗银行的法定股本包括5,000,000股普通股,每股面值5美元。 | | | 海岸银行的法定股本包括1.2亿股普通股,每股面值0.10美元,以及400万股优先股,声明价值每股0.10美元(其中2000股被指定为固定利率累积永久优先股,A系列和50,000股被指定为 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | | | | | | | | 可强制转换的无累积无投票权优先股,B系列)。 | |
Outstanding
|
| | 截至2022年7月31日,已发行的阿波罗普通股为3,766,412股,未发行的优先股为零,已发行的期权为272,601股,认股权证为37,000股,其中所有期权均已完全归属。 | | | 截至2022年7月31日,已发行的阿波罗银行普通股有3967,608股。 | | | 截至2022年7月31日,已发行的海岸公司普通股有61,414,213股,没有已发行的海岸公司优先股。 | |
Voting Rights
|
| | 每股流通股有权就提交股东大会表决的每一事项投一票。 | | | 每股流通股有权就提交股东大会表决的每一事项投一票。 | | | 海岸普通股的持有者一般有权在董事选举和股东大会表决的所有事项上享有每股一票的投票权。 | |
Cumulative Voting
|
| | 任何股东在董事选举中均无累计投票权。 | | | 任何股东在董事选举中均无累计投票权。 | | | 任何股东在董事选举中均无累计投票权。 | |
Dividends
|
| |
阿波罗宣布和分配股息的能力受FBCA和适用于银行控股公司的法律法规的约束。根据FBCA,公司可以进行分配,除非在分配生效后:
•
公司将无法偿还在正常业务过程中到期的债务;或
•
公司的资产将少于其总负债的总和(除非公司章程另有规定),如果公司是
|
| | 阿波罗银行宣布和分配股息的能力受FFIC以及适用于银行的联邦法律和法规的约束。根据FFIC,银行可以宣布和支付不超过适用期间净利润和前两年留存净利润总和的股息。在支付股息前两年以上应计的留存利润支付股息,需要获得监管部门的批准。 | | | 海岸普通股持有者须遵守2009年通过的FBCA和美联储政策的相同条款。 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | |
在分配时解散,以满足优先于接受分配的股东解散时的优先权利。
此外,根据美联储2009年通过的政策,银行控股公司应与美联储协商,在下列情况下取消、推迟或大幅减少其股息:
•
过去四个季度可供股东使用的净收入,扣除之前在此期间支付的股息,不足以为股息提供全部资金;
•
其预期收益留存率与其资本需求以及当前和预期的整体财务状况不一致;或
•
它将无法达到或面临无法达到其最低监管资本充足率的危险。
|
| | | | | | |
Number of Directors
|
| | 阿波罗的章程规定,阿波罗董事会的董事人数不得少于两名,也不得超过25名。董事人数可由股东以有表决权的阿波罗已发行和流通股三分之二的赞成票在最低和最高限额内确定或改变。 | | | 阿波罗银行的公司章程规定,阿波罗银行董事会的董事人数不得少于五人。阿波罗银行董事会全体成员可在年度股东大会后的任何时间随时增加董事人数,但不得超过 | | | [br}海岸公司章程规定,在海岸公司董事会任职的董事人数应由董事会全体成员662%∕3%和留任董事(董事)中(I)在2002年3月1日前首次当选为公司董事或 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | | 董事选举或董事会以当时在任董事三分之二的赞成票通过。 | | |
两个以上,并指定人员填补由此产生的空缺。
阿波罗银行的章程规定,阿波罗银行董事会的董事人数不得超过25人。
阿波罗银行董事会目前有13名董事。
|
| |
(Ii)以留任董事的多数票指定为留任董事),但在任何情况下不得少于三名董事或多于十四名董事(不包括将由一个或多个优先股系列的持有人作为一个类别单独投票选出的董事)。
目前有11名董事在海岸董事会任职。
海岸公司董事会分为三个级别,每一级别的董事会成员交错任职三年,每年大约有三分之一的董事由选举产生。因此,持不同政见的股东或股东团体至少需要两次年度股东大会才能更换海岸银行的多数董事。每名董事董事的任期与其当选的任期相同,直至其继任者当选并具备资格为止,但该等董事须死亡、辞职或被免职。
|
|
Election of Directors
|
| | 根据FBCA,除公司章程另有规定外,董事由有权在董事选举中投票的股份持有人投票选出,在年度会议上有法定人数 | | | 董事由有权在出席法定人数的年度会议的董事选举中投票的股份持有人以多数票选出。 | | |
海岸公司董事的选举同样根据FBCA进行,其公司章程没有规定选举董事所需的投票权。
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APOLLO
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APOLLO BANK
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SEACOAST
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| | | 出席。阿波罗的公司章程没有规定选举董事所需的投票权。 | | | | | | 然而,尽管存在多数票标准,但在无竞争的董事选举中,我们的公司治理准则规定,如果任何董事被提名人在选举中获得的保留票多于支持票,则董事将在股东投票通过后立即向董事会提交辞呈,辞职经董事会接受后生效。然后,薪酬和治理委员会将审查董事会是否应该接受辞职并向董事会提出建议,董事会将最终决定是否接受辞职。 | |
Removal of Directors
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[br]阿波罗公司章程规定,阿波罗公司股东可在获得阿波罗公司过半数流通股股东的赞成票后,以正当理由撤换董事,或在阿波罗公司至少三分之二的已发行和流通股股东投赞成票的情况下,无缘无故地将其撤职。
只有在必须发出通知的股东大会上,股东才能解除董事的职务
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[br]阿波罗银行的章程规定,如果持有阿波罗多数流通股的股东投赞成票,或持有至少三分之二的阿波罗已发行和流通股的股东投赞成票,阿波罗股东可以无故撤换董事。
只有在必须发出通知的股东大会上,股东才能解除董事的职务
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| | 《海岸公司章程》规定,只有在(1)有权投票的所有普通股的66 2/3%的股份以及(2)大多数已发行普通股的持有人未直接或间接实益拥有或控制任何人(1)是5%或以上普通股的实益所有人或(2)是海岸公司的关联公司且在过去五年内的任何时间是5%或5%以上的实益拥有人的情况下,董事才可被免职。 | |
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APOLLO
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APOLLO BANK
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SEACOAST
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会议的目的或目的之一是审议和表决移除董事的问题。
董事也可以通过司法程序被免职。
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会议的目的或目的之一是审议和表决移除董事的问题。
董事也可以通过司法程序被免职。
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| | (Br)在不少于30天的事先书面通知下,为此目的而召开的正式召开的股东大会上,海岸银行当时的已发行普通股(“独立多数股东”)。 | |
董事会空缺
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阿波罗的章程规定,阿波罗董事会的空缺可以由阿波罗董事会填补,即使不足法定人数。
佛罗里达州的法律还允许股东填补空缺。
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阿波罗银行的章程规定,阿波罗银行董事会的空缺可以由阿波罗银行董事会填补。
佛罗里达州的法律还允许股东填补空缺。
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| | 海岸公司章程规定,海岸公司董事会的空缺可由(1)662/3%的全体董事和(2)多数留任董事的赞成票填补,即使存在不足法定人数,或如果没有董事留任,也可以通过不少于662/3%的有权投票的普通股股份和独立多数股东的赞成票来填补空缺。 | |
经书面同意采取行动
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| | 阿波罗公司的公司章程规定,任何要求或允许在阿波罗股东大会上采取的行动,如果行动是由所有有权在会议上投票的人采取的,可以在没有会议书面同意的情况下采取。 | | | 阿波罗银行的章程规定,要求或允许在阿波罗银行股东大会上采取的任何行动,如果书面同意是由有权在代表股份的会议上投票的人签署的,则可以在没有书面同意的情况下采取任何行动,这些人有权在所有有权投票的股份都提交并投票的会议上投不少于授权或采取此类行动所需的最低票数。 | | | 海岸公司的公司章程规定,除非指定任何一系列海岸公司优先股的优先股、限制和相对权利,否则不得以书面同意采取任何行动。要求或允许海岸公司普通股持有人采取的任何行动,必须在该等持有人正式召开的年会或特别会议上进行,不得通过该等持有人的任何书面同意而实施。 | |
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APOLLO
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APOLLO BANK
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SEACOAST
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股东提名和其他提议的提前通知要求
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任何有权在董事选举中投票的阿波罗股东都可以推荐候选人作为董事的候选人。股东可以通过向阿波罗秘书提交书面提名来推荐董事提名。
若要考虑,董事候选人的股东提名必须不迟于大会日期前30天送达或邮寄至阿波罗主要执行办公室,但如果向股东发出或发出的通知少于40天,如果阿波罗在邮寄或公开披露会议通知后10天内收到通知,则董事提名将被视为及时。
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| | 阿波罗银行的股东不受股东提名或其他提议的任何提前通知要求。 | | |
任何有权在董事选举中投票的海岸股东都可以推荐一名董事的候选人。股东可以通过向海岸薪酬和治理委员会提交股东希望推荐的候选人的姓名和资格来推荐董事的被提名人。海岸银行位于佛罗里达州海岸银行,地址:科罗拉多大道815号,邮编:9012,佛罗里达州斯图尔特,邮编:34995。
如需考虑,有关在年度股东大会上举行的董事选举的建议必须在海岸银行上次股东周年大会周年日前不少于60天至90天(如果年度会议日期自周年日起更改20天以上,则在海岸银行将年度会议日期邮寄或以其他方式通知股东的日期后10天内)收到,而有关在为此目的而召开的特别会议上举行的董事选举的建议,必须在特别会议通知首次邮寄给股东的日期后第10天内收到。
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APOLLO
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APOLLO BANK
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SEACOAST
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股东大会通知
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| | 阿波罗的章程规定,会议的地点、日期和时间的通知,如果是特别会议,召开会议的一个或多个目的应在会议前不少于10天至60天交付,邮寄到最后为人所知的地址或亲自发给每位股东。 | | | [br]阿波罗银行的章程要求,股东大会的通知应在会议日期前不少于10天至60天发出。 | | | 每一次股东大会的通知必须在会议日期前不少于10天,但不超过60天发给每一位有权投票的股东。 | |
Amendments to Charter
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阿波罗公司章程中与商业交易和选民有关的条款需要获得阿波罗三分之二的流通股的批准,除非这种变更得到当时在任的三分之二董事的批准。
所有其他条款均可根据《FBCA》进行修改。在符合《公司章程》607.1003节规定的某些要求的情况下,对公司章程的修改必须得到公司董事会和有权投票的公司的大多数流通股持有人的批准,在需要进行分类投票的情况下,还必须得到该类别流通股的大多数持有人的批准。董事会必须向股东建议修改,除非董事会作出决定,因为
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阿波罗银行的公司章程可以根据FFIC和FBCA进行修改,但任何此类修改都必须得到佛罗里达州金融监管办公室根据佛罗里达州法规658.23(6)的批准。
在符合《公司章程》607.1003节规定的某些要求的情况下,公司章程的修订必须得到公司董事会和有权投票的公司的大多数流通股持有人的批准,在需要进行分类投票的情况下,还必须得到该类别流通股的过半数持有人的批准。董事会必须向股东推荐修改意见,除非董事会认为因利益冲突或者其他特殊情况,应当
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| | 海岸银行的公司章程细则也有类似的修订条款,只是(1)获得所有已发行股份的66 2/3%的赞成票,以及(2)公司章程细则第六条(“董事会”)、第七条(“关于企业合并的规定”)、第九条(“股东提案”)和第十条(“公司章程修正案”)的任何变更将需要独立多数股东批准。 | |
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APOLLO
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APOLLO BANK
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SEACOAST
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| | | 在利益冲突或其他特殊情况下,不应提出建议,并将其决定的依据与修订一起传达给股东。FBCA还允许董事会在某些特殊情况下无需股东批准即可修改公司章程(例如,更改某一类别或系列股票的面值)。 | | | 不提出任何建议,并将其决定的基础通过修订传达给股东。FBCA还允许董事会在某些特殊情况下无需股东批准即可修改公司章程(例如,更改某一类别或系列股票的面值),但须经佛罗里达州金融监管办公室批准。 | | | | |
Amendments to Bylaws
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| | 《阿波罗章程》可由董事会过半数成员或股东以有权在董事选举中投票的全部股份的过半数赞成票予以更改或修改。股东可以规定,股东通过的修改不得被董事会撤销、修改、采纳或者变更。 | | | 阿波罗银行的章程可由董事会多数成员或股东以有权在董事选举中投票的所有股份的过半数赞成票来更改或修改。股东可以规定,股东通过的修改不得被董事会撤销、修改、采纳或者变更。 | | | (Br)经(1)662/3%的全体董事和(2)多数留任董事的投票,可修改海岸公司的章程。此外,股东还可以(1)有权投票的普通股全部股份的662/3%和(2)独立多数股东的赞成票对章程进行修订。 | |
股东特别大会
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| | 阿波罗公司章程规定,股东特别大会可由阿波罗董事会、阿波罗总裁随时召开,或在一名或多名持有阿波罗全部已发行股本合计不低于25%的股东的书面要求下召开。 | | | 阿波罗银行章程规定,股东特别会议可由阿波罗银行董事会或首席执行官随时召开,或由董事长或秘书应持有阿波罗银行全部已发行股本总额不低于10%的一名或多名股东的书面要求随时召开。 | | | 海岸公司章程规定,除法规规定外,股东特别会议可由董事会主席或执行主席、首席执行官、总裁或董事会召开。该会议的通知必须述明该会议的目的,除该通知所述明的事项外,不得在该会议上处理任何事务。特别会议 | |
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APOLLO
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APOLLO BANK
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SEACOAST
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| | | | | | | | | 在持有不少于50%投票权的股份持有人的书面要求下,行政总裁可召集不少于50%的股东。 | |
Quorum
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| | 《阿波罗章程》规定,多数已发行股票构成法定人数;但少数股票可以逐日休会,并应宣布休会的时间和地点。 | | | 阿波罗银行的章程规定,股东大会的法定人数为有权投票的股份的多数,无论是亲自或委托代表。 | | | 任何股东大会的法定人数为有权投票的股份的多数,无论是亲自出席还是由代表出席。 | |
Proxy
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| | 《阿波罗章程》规定,任何有权在任何股东大会上投票的股东,包括为选举董事而召开的会议,均有权亲自或委托代表投票,但委托书自其日期起计11个月后不得投票,除非委托书规定了更长的期限。 | | | 阿波罗银行的章程规定,任何有权在任何股东大会上投票的股东,包括为选举董事而举行的会议,均有权亲自或委托代理人投票,但代理人不得在自其日期起计11个月后投票,除非代理人有更长的期限。 | | | 海岸公司的章程规定,股东、依法有权代表股东投票的人或事实上的代理人,可以亲自或委托代理人投票表决股东的股份。股东可亲自或由其代理人签署委任表格,委任一名代表投票或以其他方式代其行事。一份看似由此人发送的经签署的电报或电报,或一份照相、照片静态、传真、电子传输(包括.PDF文件)或同等复印件的预约表格即为充分的预约表格。除非委任表中明确规定了更长的期限,否则委派代表的任命在秘书或其他获授权统计选票的官员收到后生效,有效期最长为11个月。 | |
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APOLLO
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APOLLO BANK
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SEACOAST
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| | | | | | | | | 委任代表的股东死亡或丧失行为能力并不影响本公司接受该代表的授权的权利,除非秘书或其他获授权在委托书下行使其权力前将投票列明的人员收到有关该股东死亡或丧失行为能力的通知。如果委托书显眼地声明它是不可撤销的,并且如果且仅当它伴随着法律上足以支持不可撤销权力的利益时,委托书应是不可撤销的。 | |
Preemptive Rights
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| | 阿波罗的股东没有优先购买权。 | | | 阿波罗银行的公司章程为阿波罗银行的股东提供优先购买权,使股东有权以向公众提供的认购价按比例购买或认购阿波罗银行可能发行或出售的任何类别的任何股票。 | | | 海岸银行的股东没有优先购买权。 | |
股东权利计划/股东协议
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| | 阿波罗没有股东权利计划。阿波罗的两个或两个以上股东可以订立协议,规定以协议规定的方式或与法律规定的公司事务的任何阶段有关的方式行使投票权。 | | | 阿波罗银行是由联合信贷银行、阿波罗银行股份有限公司和联合信贷银行的某些股东签订的、日期为2010年3月12日的特定股东协议的一方。 | | | 海滨没有权利计划。海岸公司和海岸公司的股东都不是关于海岸公司股本的股东协议的当事人。 | |
董事和高级管理人员的赔偿
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| | 阿波罗的章程规定,阿波罗应对其现任和前任董事和 | | | 阿波罗银行的公司章程规定,阿波罗银行应赔偿其目前和 | | | 《海岸公司章程》规定,海岸公司可以对其现任和前任董事、高级管理人员进行赔偿。 | |
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APOLLO
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APOLLO BANK
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SEACOAST
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| | | 这些高级管理人员或董事因是阿波罗公司的高级管理人员或董事公司的高级管理人员而被要求支付与诉讼相关的合理费用、判决和其他金额。 | | |
在FFIC和FBCA允许的范围内,前官员、董事、员工和代理人因其在阿波罗银行的职位而与任何诉讼相关的合理费用、判决和其他金额的支付。
阿波罗银行的公司章程还允许阿波罗银行赔偿其现任和前任高级管理人员、董事、员工和代理人因任何联邦银行机构提起的行政诉讼或民事诉讼而支付的合理费用、判决和其他金额。
该条款旨在根据佛罗里达州和美国的法律提供最大可能的赔偿。
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| | 符合FBCA规定的员工和代理。 | |
某些企业合并限制
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| | 阿波罗公司章程明确规定,阿波罗公司不受《阿波罗公司章程》中与关联交易有关的条款607.0901的管辖。 | | | 阿波罗银行的公司章程不包含任何关于阿波罗银行与大股东之间的业务合并的条款。 | | | 海岸银行的公司章程不包含任何关于海岸银行与大股东之间的业务合并的条款。 | |
基础业务交易
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| | 阿波罗公司章程规定,任何合并或换股,或出售、租赁、交换或以其他方式处置阿波罗的全部或几乎所有资产,必须得到(I)阿波罗三分之二董事的赞成票和 | | | {br]阿波罗银行的公司章程不包含任何有关基本业务交易的条款。 | | | 海岸公司的公司章程规定,海岸公司需要有权投票批准任何合并、合并、换股或出售、交换、租赁、转让、购买和承担资产和负债的所有普通股股份中662/3%的赞成票。 | |
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APOLLO
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APOLLO BANK
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SEACOAST
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| | | (Br)阿波罗多数流通股或(Ii)阿波罗过半数董事的赞成票以及至少三分之二的已发行和已发行阿波罗股份的赞成票。 | | | | | | 或承担公司全部或几乎所有合并资产或负债的海岸银行或任何附属公司的债务,或两者兼而有之,除非交易以全体董事662/3%的赞成票和留任董事的多数赞成票批准并向股东推荐。 | |
Non-Shareholder
Constituency Provision |
| | 《阿波罗公司章程》规定,在评估另一方对阿波罗任何股权证券提出收购要约或交换要约或(Ii)购买或以其他方式收购阿波罗全部或几乎所有资产的要约时,董事会除考虑对价的充分性和形式外,还应适当考虑所有相关因素,包括对员工、客户、股东、以及Apollo及其子公司的其他成员以及Apollo和Apollo Bank所在的社区,以及就自由谈判交易中Apollo当时的价值提出的对价 | | | 阿波罗银行的公司章程没有明确允许董事会在评估某些要约时考虑股东以外的其他群体的条款。 | | | 海岸公司的公司章程规定,在评估某些要约时,董事会在确定什么最符合公司及其股东的利益时,除了考虑对价的充分性和形式外,还应考虑交易对海岸公司及其子公司、其员工、储户、贷款和其他客户、债权人以及海岸公司及其子公司经营或所在社区的社会和经济影响;收购人的业务和财务状况以及收益和业务前景,包括但不限于偿债和其他现有财务义务、与收购相关的财务义务以及收购人或 可能发生的其他财务义务 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | | 以及董事会当时对阿波罗作为一个独立实体的未来价值的估计。 | | | | | | 人员,以及此类条件对公司及其子公司以及公司及其子公司运营或所在社区的其他要素的可能影响;提出或做出此类行动的个人及其管理层的能力、经验和诚信;成功完成业务合并前景的前景;以及海岸作为独立实体的前景。 | |
Dissenters’ Rights
|
| | 根据FBCA,阿波罗的股东有权享有持不同政见者的权利。根据FBCA,股东一般有权对阿波罗参与的任何合并持异议,如果股东不投票赞成或以其他方式同意合并提议,并在股东投票或同意之日或之前向阿波罗提供必要的通知,表明该股东不同意合并,则股东有权获得其股票的公允价值 | | | [br]阿波罗银行股东可以对合并持异议,并按照异议条款,以现金形式获得该股东持有的阿波罗银行普通股在合并生效时的评估价值。美国法典第215A节是关于阿波罗银行股东异议权利的适用条款,根据佛罗里达州金融机构法典658.41(2)节,该节规定,在佛罗里达州银行与国家银行合并为国家银行时,联邦法律(而不是佛罗里达州法律)将控制股东的权利。根据异议条款,阿波罗银行的股东可以通过(I)投票反对合并或 | | | 根据《证券交易法》,持有被指定为国家市场系统证券或由全国证券交易商协会在交易商间报价系统上市的任何类别或系列股票的持股人不能享有持不同政见者的权利。因此,海岸普通股的持有者无权根据《证券交易法》行使持不同政见者的权利。 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | | | | | 在年度会议上或之前向阿波罗银行发出书面通知,表示他或她反对合并;以及(Ii)向瑞士央行提出书面请求,要求获得该股东持有的阿波罗银行普通股的价值,该请求必须在合并生效后三十(30)天内提出,并必须附有股东股票证书。 | | | | |
Market Area
|
| |
Market
Rank |
| |
No. of
Institutions in Market |
| |
Total
Deposits In Market (in 000’s) |
| |
Apollo Bank
Market Share |
| ||||||||||||
Miami, Florida
|
| | | | 31 | | | | | | 55 | | | | | $ | 136,450,489 | | | | | | 0.57% | | |
Coral Gables, Florida
|
| | | | 不适用(1) | | | | | | 不适用(1) | | | | | | 不适用(1) | | | | | | 不适用(1) | | |
Hialeah, Florida
|
| | | | 19 | | | | | | 23 | | | | | $ | 17,180,292 | | | | | | 0.31% | | |
Name of Beneficial Owner
|
| |
Number of Shares
Beneficially Owned |
| |
Percentage
Beneficially Owned |
| ||||||
董事和高级职员: | | | | | | | | | | | | | |
Eduardo Arriola
|
| | | | 162,094(1) | | | | | | 4.21% | | |
Mathew L. Adler
|
| | | | 32,318(2) | | | | | | * | | |
Richard Dailey
|
| | | | 92,651(3) | | | | | | 2.42% | | |
Nicholas DiTempora
|
| | | | 232,649(4) | | | | | | 6.15% | | |
L. Robert Elias
|
| | | | 55,046(5) | | | | | | 1.46% | | |
William Heffernan
|
| | | | 10,000(6) | | | | | | * | | |
Luis Hernandez
|
| | | | 54,273(7) | | | | | | 1.44% | | |
Carlos Herrera
|
| | | | 132,128(8) | | | | | | 3.49% | | |
Carlos Modia
|
| | | | 5,000(9) | | | | | | * | | |
Ramon Rodriguez
|
| | | | 10,046 | | | | | | * | | |
Leslie Rozencwaig
|
| | | | 97,388(10) | | | | | | 2.57% | | |
Jeffrey Scheck
|
| | | | 111,952(11) | | | | | | 2.96% | | |
董事和高级职员(12人为一组)
|
| | | | 995,545 | | | | | | 24.73% | | |
| | |
Page
|
| |||
Preamble
|
| | | | A-1 | | |
第1条 - 交易和合并条款
|
| | | | A-1 | | |
1.1
Merger
|
| | | | A-1 | | |
1.2
Bank Merger
|
| | | | A-1 | | |
1.3
Time and Place of Closing
|
| | | | A-1 | | |
1.4
Effective Time
|
| | | | A-2 | | |
1.5
阿波罗普通股转换
|
| | | | A-2 | | |
1.6
SBC Common Stock
|
| | | | A-3 | | |
1.7
Apollo Equity Awards
|
| | | | A-3 | | |
1.8
尚存公司的组织文件;董事和高级管理人员
|
| | | | A-4 | | |
1.9
Tax Consequences
|
| | | | A-4 | | |
文章2 - 交付合并对价
|
| | | | A-4 | | |
2.1
Exchange Procedures
|
| | | | A-4 | | |
2.2
阿波罗前股东的权利
|
| | | | A-5 | | |
2.3
Dissenters’ Rights
|
| | | | A-6 | | |
第3条 - 声明和保修
|
| | | | A-6 | | |
3.1
公司公开信
|
| | | | A-6 | | |
3.2
Standards
|
| | | | A-6 | | |
3.3
公司的陈述和保修
|
| | | | A-7 | | |
3.4
海滨公司的陈述和保证
|
| | | | A-25 | | |
第四条 - 公约和附加协定
|
| | | | A-29 | | |
4.1
在生效时间之前进行业务
|
| | | | A-29 | | |
4.2
Forbearances
|
| | | | A-29 | | |
4.3
Litigation
|
| | | | A-31 | | |
4.4
State Filings
|
| | | | A-31 | | |
4.5
阿波罗股东批准;注册声明和委托书/招股说明书
|
| | | | A-32 | | |
4.6
SBC股本上市
|
| | | | A-33 | | |
4.7
合理的最大努力
|
| | | | A-33 | | |
4.8
申请和同意
|
| | | | A-33 | | |
4.9
某些事项的通知
|
| | | | A-34 | | |
4.10
调查和保密
|
| | | | A-34 | | |
4.11
新闻稿;宣传
|
| | | | A-34 | | |
4.12
收购建议书
|
| | | | A-34 | | |
4.13
Takeover Laws
|
| | | | A-35 | | |
4.14
员工福利和合同
|
| | | | A-36 | | |
4.15
Indemnification
|
| | | | A-37 | | |
4.16
解决某些问题
|
| | | | A-38 | | |
4.17
Claims Letters
|
| | | | A-38 | | |
4.18
限制性契约协议
|
| | | | A-38 | | |
4.19
Systems Integration
|
| | | | A-38 | | |
4.20
Additional Contracts
|
| | | | A-39 | | |
| | |
Page
|
| |||
4.21
Transfer Taxes
|
| | | | A-39 | | |
4.22
Approval of 280G Payments
|
| | | | A-39 | | |
4.23
赎回或转换阿波罗高级票据
|
| | | | A-39 | | |
4.24
公司期权和认股权证
|
| | | | | | |
4.25
SBC Advisory Board
|
| | | | A-40 | | |
第5条 - 条件是履行义务之前的条件
|
| | | | A-40 | | |
5.1
各方义务的条件
|
| | | | A-40 | | |
5.2
海岸义务的条件
|
| | | | A-40 | | |
5.3
公司义务的条件
|
| | | | A-41 | | |
ARTICLE 6 — TERMINATION
|
| | | | A-42 | | |
6.1
Termination
|
| | | | A-42 | | |
6.2
Effect of Termination
|
| | | | A-44 | | |
ARTICLE 7 — MISCELLANEOUS
|
| | | | A-44 | | |
7.1
Definitions
|
| | | | A-44 | | |
7.2
申述和契约不复存在
|
| | | | A-51 | | |
7.3
Expenses
|
| | | | A-52 | | |
7.4
Termination Fee
|
| | | | A-52 | | |
7.5
Entire Agreement
|
| | | | A-52 | | |
7.6
Amendments
|
| | | | A-53 | | |
7.7
Waivers
|
| | | | A-53 | | |
7.8
Assignment
|
| | | | A-53 | | |
7.9
Notices
|
| | | | A-53 | | |
7.10
Governing Law
|
| | | | A-54 | | |
7.11
Counterparts
|
| | | | A-54 | | |
7.12
Captions
|
| | | | A-54 | | |
7.13
Interpretations
|
| | | | A-54 | | |
7.14
Severability
|
| | | | A-54 | | |
7.15
Attorneys’ Fees
|
| | | | A-55 | | |
7.16
Waiver of Jury Trial
|
| | | | A-55 | | |
|
Exhibit
|
| |
Description
|
|
|
A
|
| | 银行合并协议 | |
|
B
|
| | 股东支持协议格式 | |
|
C
|
| | Form of Claims Letter | |
|
D
|
| | 限制性契约协议格式 | |
| Affordable Care Act | | | Section 3.3(j)(iii) | |
| 合并综合考虑事项 | | | Section 1.5(a) | |
| Agreement | | | Parties | |
| 阿波罗证书 | | | Section 1.5(b) | |
| 阿波罗导演推荐 | | | Section 3.3(b)(ii) | |
| 阿波罗发现函 | | | Section 3.1 | |
| 阿波罗最新资产负债表 | | | Section 3.3(d)(ii) | |
| Articles of Merger | | | Section 1.4 | |
| Bank | | | Parties | |
| Bank Merger | | | Preamble | |
| 银行合并协议 | | | Preamble | |
| CARES Act | | | Section 3.3(h)(xi) | |
| 更改建议 | | | Section 4.12(b) | |
| Closing | | | Section 1.3 | |
| Closing Date | | | Section 1.3 | |
| Company | | | Parties | |
| 公司管理协议 | | | Section 3.3(v) | |
| Covered Employees | | | Section 4.14(a) | |
| COVID-19 Measures | | | Section 3.3(h)(xi) | |
| CRA | | | Section 3.3(q) | |
| 异议条款 | | | Section 2.3 | |
| 持异议的股东 | | | Section 2.3 | |
| Effective Time | | | Section 1.4 | |
| Exchange Agent | | | Section 2.1(a) | |
| Exchange Fund | | | Section 2.1(d) | |
| Excluded Shares | | | Section 1.5(e) | |
| IIPI | | | Section 3.3(r)(i) | |
| 赔偿通知书 | | | Section 7.2(b) | |
| Indemnified Party | | | Section 4.15(a) | |
| 受赔方 | | | Section 7.2(b) | |
| Loans | | | Section 3.3(n)(i) | |
| 重大不良影响 | | | Section 3.2(b) | |
| Measuring Date | | | Section 7.1(a) | |
| Merger | | | Preamble | |
| 合并考虑因素 | | | Section 1.5(a) | |
| PPP | | | Section 3.3(h)(xii) | |
| 监管意见 | | | Section 4.8(b) | |
| Required Consents | | | Section 5.1(b) | |
| Sarbanes-Oxley Act | | | Section 3.3(d)(iv) | |
| Senior Notes | | | Section 4.23(a) | |
| 股东支持协议 | | | Preamble | |
| SBC | | | Parties | |
| SBC Preferred Stock | | | Section 3.4(c) | |
| SBC监管协议 | | | Section 3.4(f)(ii) | |
| Seacoast | | | Parties | |
| SNB | | | Parties | |
| Surviving Bank | | | Section 1.2 | |
| 幸存的公司 | | | Section 1.1 | |
| Takeover Laws | | | Section 3.3(v) | |
| Seacoast: | | |
佛罗里达海岸银行公司
815 Colorado Avenue Stuart, Florida 34994 Telecopy Number: (772) 288-6086 |
|
| | | | 注意:Charles M.Shaffer | |
|
Copy to Counsel (which
不构成通知): |
| |
Alston & Bird LLP 1201 West Peachtree Street Atlanta, Georgia 30309 Telecopy Number: (404) 881-7777 |
|
| | | | 注意:伦道夫·A·摩尔三世 | |
| Company: | | |
Apollo Bancshares, Inc.
1150 South Miami Avenue Miami, Florida 33130 |
|
| | | | 注意:爱德华多·J·阿里奥拉 | |
|
Copy to Counsel (which
不构成通知): |
| |
Fenimore Kay Harrison 812 San Antonio Street Suite 600 Austin, Texas 78701 |
|
| | | | 注意:洛厄尔·W·哈里森 | |
| | | | 佛罗里达海岸银行公司 | |
| | | |
By:
/s/ Charles M. Shaffer
Charles M. Shaffer
总裁和首席执行官 |
|
| | | | 海岸国家银行 | |
| | | |
By:
/s/ Charles M. Shaffer
Charles M. Shaffer
总裁和首席执行官 |
|
| | | | 阿波罗银行股份有限公司 | |
| | | |
By:
/s/ Eduardo J. Arriola
Eduardo J. Arriola
总裁和首席执行官 |
|
| | | | APOLLO BANK | |
| | | |
By:
/s/ Eduardo J. Arriola
Eduardo J. Arriola
董事长兼首席执行官 |
|
|
Name
|
| |
Address
|
| |
County
|
| |
City
|
| |
State
|
| |
Zip
|
| |
Service Type
|
|
| | | | | | | | | | | | | | | | | | | | |
| | | | SELLER: | | |||
| | | | 阿波罗银行股份有限公司 | | |||
| | | |
By:
|
| |||
| | | | Name: | | | Eduardo J. Arriola | |
| | | | Title: | | | 总裁和首席执行官 | |
| | | | BUYER: | | |||
| | | | 佛罗里达海岸银行公司 | | |||
| | | |
By:
|
| |||
| | | | Name: | | | Charles M. Shaffer | |
| | | | Title: | | | 首席执行官 | |
| | | | SHAREHOLDER: | |
| | | |
|
|
| | | |
|
|
| | | |
|
|
| | | |
|
|
| | | |
|
|
| | | | 股东有表决权和所有权能力的普通股股份数量(包括因合并而转换的任何股份): | |
| | | |
|
|
| | | |
|
|
| | | | SELLER: | | |||
| | | | 阿波罗银行股份有限公司 | | |||
| | | |
By:
|
| |||
| | | | Name: | | | Eduardo J. Arriola | |
| | | | Title: | | | 总裁和首席执行官 | |
| | | | BUYER: | | |||
| | | | 佛罗里达海岸银行公司 | | |||
| | | |
By:
|
| |||
| | | | Name: | | | Charles M. Shaffer | |
| | | | Title: | | | 首席执行官 | |
| | | | SHAREHOLDER: | |
| | | |
|
|
| | | |
|
|
| | | |
|
|
| | | |
|
|
| | | |
|
|
| | | | 股东有表决权和所有权能力的普通股股份数量(包括因合并而转换的任何股份): | |
| | | |
|
|
| | | |
|
|
| | | | Sincerely, | |
| | | |
官员或董事签名
|
|
| | | |
官员或董事的印刷体姓名
|
|
| | | | 佛罗里达海岸银行公司 | | |||
| | | | By: | | |
Name: Charles M. Shaffer
职务: 首席执行官 |
|
| BUYER: | | | | | |||
| 佛罗里达海岸银行公司 | | | | | |||
| By: | | |
Name: Charles M. Shaffer
职务: 首席执行官 |
| |
| DIRECTOR: | | | | | |||
|
|
| | |||||
| Name: | | |
|
| | | |
| Address: | | |
|
| | | |
|
Name
|
| |
Address
|
| |
County
|
| |
City
|
| |
State
|
| |
Zip
|
| |
Service Type
|
|
| | | | | | | | | | | | | | | | | | | | |
|
独立审计师报告
|
| |
F-1 – F-2
|
| |||
| 合并财务报表: | | | | | | | |
|
合并资产负债表
|
| | | | F-3 | | |
|
合并业务报表
|
| | | | F-4 | | |
|
全面收益合并报表
|
| | | | F-5 | | |
|
合并股东权益变动表
|
| | | | F-6 | | |
|
现金流量表合并报表
|
| | | | F-7 | | |
|
合并财务报表附注
|
| |
F-8 – F-48
|
|
|
Miami, Florida May 25, 2022 |
| |
/s/ BDO USA, LLP
注册会计师 |
|
| | |
2021
|
| |
2020
|
| ||||||
ASSETS | | | | | | | | | | | | | |
现金和现金等价物
|
| | | $ | 83,710 | | | | | $ | 64,917 | | |
其他银行的有息定期存款
|
| | | | 1,746 | | | | | | 996 | | |
可供出售的债务证券
|
| | | | 258,738 | | | | | | 232,861 | | |
联邦住房贷款银行股票,按成本计算(受限)
|
| | | | 1,063 | | | | | | 1,308 | | |
Loans, net
|
| | | | 658,038 | | | | | | 513,523 | | |
银行拥有的人寿保险
|
| | | | 23,435 | | | | | | 19,058 | | |
Deferred tax asset, net
|
| | | | 4,590 | | | | | | 3,438 | | |
房舍和设备,净额
|
| | | | 6,333 | | | | | | 6,149 | | |
无形核心存款,净额
|
| | | | 157 | | | | | | 244 | | |
Goodwill
|
| | | | 3,309 | | | | | | 3,309 | | |
应计应收利息
|
| | | | 5,074 | | | | | | 5,617 | | |
Other assets
|
| | | | 1,166 | | | | | | 1,016 | | |
TOTAL ASSETS
|
| | |
$
|
1,047,359
|
| | | |
$
|
852,436
|
| |
负债和股东权益 | | | | | | | | | | | | | |
无息活期存款
|
| | | $ | 378,273 | | | | | $ | 263,648 | | |
有息活期存款
|
| | | | 29,637 | | | | | | 29,520 | | |
储蓄、现在和货币市场存款
|
| | | | 428,776 | | | | | | 362,400 | | |
Time deposits
|
| | | | 89,315 | | | | | | 82,743 | | |
Total deposits
|
| | | | 926,001 | | | | | | 738,311 | | |
LONG-TERM DEBT (NOTE 12)
|
| | | | | | | | | | | | |
Principal amount
|
| | | | 12,250 | | | | | | 12,250 | | |
减少未摊销债务发行成本
|
| | | | (398) | | | | | | (443) | | |
长期债务,减少未摊销债务发行成本
|
| | | | 11,852 | | | | | | 11,807 | | |
联邦住房贷款银行垫款
|
| | | | 15,000 | | | | | | 15,000 | | |
借款人预付税款和保险费
|
| | | | 1,638 | | | | | | 668 | | |
应计应付利息和其他负债
|
| | | | 2,948 | | | | | | 2,444 | | |
TOTAL LIABILITIES
|
| | | | 957,439 | | | | | | 768,230 | | |
承付款和或有事项(附注18) | | | | | | | | | | | | | |
STOCKHOLDERS’ EQUITY: | | | | | | | | | | | | | |
阿波罗银行股份有限公司股东权益:
|
| | | | | | | | | | | | |
优先股,面值0.01美元,授权50,000,000股;未发行或
outstanding |
| | | | — | | | | | | — | | |
普通股,面值0.01美元,授权发行100,000,000股;已发行和已发行3,766,412股
|
| | | | 38 | | | | | | 38 | | |
新增实收资本
|
| | | | 44,141 | | | | | | 44,141 | | |
Retained earnings
|
| | | | 31,438 | | | | | | 24,342 | | |
累计其他综合收益(亏损),扣除税收影响
|
| | | | (1,301) | | | | | | 991 | | |
阿波罗银行股份有限公司股东权益合计
|
| | | | 74,316 | | | | | | 69,512 | | |
非控股权益
|
| | | | 15,604 | | | | | | 14,694 | | |
股东权益总额
|
| | | | 89,920 | | | | | | 84,206 | | |
总负债和股东权益
|
| | |
$
|
1,047,359
|
| | | |
$
|
852,436
|
| |
| | |
2021
|
| |
2020
|
| ||||||
利息和股息收入 | | | | | | | | | | | | | |
Loans, including fees
|
| | | $ | 25,631 | | | | | $ | 24,281 | | |
Debt securities
|
| | | | 3,602 | | | | | | 3,159 | | |
其他银行的生息存款
|
| | | | 123 | | | | | | 370 | | |
Other
|
| | | | 63 | | | | | | 82 | | |
利息和股息收入合计
|
| | | | 29,419 | | | | | | 27,892 | | |
INTEREST EXPENSE | | | | | | | | | | | | | |
Deposits
|
| | | | 1,969 | | | | | | 4,887 | | |
联邦住房贷款银行垫款
|
| | | | 253 | | | | | | 254 | | |
Long-term debt
|
| | | | 717 | | | | | | 130 | | |
TOTAL INTEREST EXPENSE
|
| | | | 2,939 | | | | | | 5,271 | | |
NET INTEREST INCOME
|
| | | | 26,480 | | | | | | 22,621 | | |
贷款损失准备(冲销)
|
| | | | (100) | | | | | | 1,300 | | |
扣除(冲销)贷款损失准备后的净利息收入
|
| | | | 26,580 | | | | | | 21,321 | | |
NONINTEREST INCOME | | | | | | | | | | | | | |
客户服务费
|
| | | | 2,164 | | | | | | 1,947 | | |
银行自有寿险收入,净额
|
| | | | 537 | | | | | | 313 | | |
出售可供出售的债务证券的净收益(分别包括252美元和807美元的可供出售债务证券的未实现净收益的累计其他综合收益重新分类)
|
| | | | 252 | | | | | | 807 | | |
出售丧失抵押品赎回权的资产的净收益
|
| | | | 3 | | | | | | 15 | | |
Other
|
| | | | 77 | | | | | | 408 | | |
非利息收入总额
|
| | | | 3,033 | | | | | | 3,490 | | |
非利息支出 | | | | | | | | | | | | | |
工资和员工福利
|
| | | | 10,890 | | | | | | 9,598 | | |
入住率和设备
|
| | | | 2,921 | | | | | | 2,732 | | |
Data processing
|
| | | | 1,813 | | | | | | 1,616 | | |
Professional fees
|
| | | | 991 | | | | | | 785 | | |
Servicing fees
|
| | | | 255 | | | | | | 343 | | |
联邦存款保险公司
|
| | | | 295 | | | | | | 422 | | |
核心矿藏无形资产摊销
|
| | | | 87 | | | | | | 111 | | |
Directors’ fees
|
| | | | 514 | | | | | | 523 | | |
其他一般和行政工作
|
| | | | 1,622 | | | | | | 1,846 | | |
非利息支出总额
|
| | | | 19,388 | | | | | | 17,976 | | |
所得税扣除费用前的净收益
|
| | | | 10,225 | | | | | | 6,835 | | |
所得税费用(包括重新分类项目的所得税费用分别为62美元和198美元)
|
| | | | 1,804 | | | | | | 1,572 | | |
NET INCOME
|
| | | | 8,421 | | | | | | 5,263 | | |
减去:可归因于非控股权益的净收入
|
| | | | (1,325) | | | | | | (973) | | |
阿波罗银行股份有限公司的净收入。
|
| | | $ | 7,096 | | | | | $ | 4,290 | | |
| 2021 | | | | | | | | | | | | | |
|
NET INCOME
|
| | | | | | | | | $ | 8,421 | | |
| 其他综合亏损,税后净额: | | | | | | | | | | | | | |
|
债务证券未实现亏损:
|
| | | | | | | | | | | | |
|
期间发生的未实现持有亏损(扣除税收影响净额为830美元)
|
| | | $ | (2,517) | | | | | | | | |
|
减去:净收入中包含的收益的重新分类调整(扣除税收影响
of $62) |
| | | | (190) | | | | | | (2,707) | | |
|
COMPREHENSIVE INCOME
|
| | | | | | | | | | 5,714 | | |
|
减去:非控股权益的综合收益
|
| | | | | | | | | | (910) | | |
|
阿波罗银行股份有限公司的全面收入。
|
| | | | | | | | |
$
|
4,804
|
| |
| 2020 | | | | | | | | | | | | | |
|
NET INCOME
|
| | | | | | | | | $ | 5,263 | | |
| 其他综合收入,税后净额: | | | | | | | | | | | | | |
|
债务证券未实现收益:
|
| | | | | | | | | | | | |
|
期内产生的未实现持有收益(扣除税收影响净额1055美元)
|
| | | $ | 3,248 | | | | | | | | |
|
减去:净收入中包含的收益的重新分类调整(扣除税收影响
of $198) |
| | | | (609) | | | | | | 2,639 | | |
|
COMPREHENSIVE INCOME
|
| | | | | | | | | | 7,902 | | |
|
减去:非控股权益的综合收益
|
| | | | | | | | | | (1,423) | | |
|
阿波罗银行股份有限公司的全面收入。
|
| | | | | | | | |
$
|
6,479
|
| |
| | |
Common Stock
|
| |
Additional
Paid-in Capital |
| |
Retained
Earnings |
| |
Accumulated Other
Comprehensive Income (Loss), net of tax effect |
| |
Noncontrolling
Interest |
| |
Total
Stockholders’ Equity |
| ||||||||||||||||||||||||
|
Shares
|
| |
Amount
|
| ||||||||||||||||||||||||||||||||||||||
Balance at January 1, 2020
|
| | | | 3,766,412 | | | | | $ | 38 | | | | | $ | 43,955 | | | | | $ | 20,052 | | | | | $ | (1,198) | | | | | $ | 13,271 | | | | | $ | 76,118 | | |
Net Income
|
| | | | — | | | | | | — | | | | | | — | | | | | | 4,290 | | | | | | — | | | | | | 973 | | | | | | 5,263 | | |
基于股票的薪酬
|
| | | | — | | | | | | — | | | | | | 186 | | | | | | — | | | | | | — | | | | | | — | | | | | | 186 | | |
其他综合收益
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 2,189 | | | | | | 450 | | | | | | 2,639 | | |
Balance at December 31, 2020
|
| | | | 3,766,412 | | | | | | 38 | | | | | | 44,141 | | | | | | 24,342 | | | | | | 991 | | | | | | 14,694 | | | | | | 84,206 | | |
Net Income
|
| | | | — | | | | | | — | | | | | | — | | | | | | 7,096 | | | | | | — | | | | | | 1,325 | | | | | | 8,421 | | |
其他全面亏损
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | (2,292) | | | | | | (415) | | | | | | (2,707) | | |
Balance at December 31, 2021
|
| | |
|
3,766,412
|
| | | |
$
|
38
|
| | | |
$
|
44,141
|
| | | |
$
|
31,438
|
| | | |
$
|
(1,301)
|
| | | |
$
|
15,604
|
| | | |
$
|
89,920
|
| |
| | |
2021
|
| |
2020
|
| ||||||
经营活动现金流: | | | | | | | | | | | | | |
Net income
|
| | | $ | 8,421 | | | | | $ | 5,263 | | |
将净收益与经营活动提供的现金净额进行调整:
|
| | | | | | | | | | | | |
贷款损失准备(冲销)
|
| | | | (100) | | | | | | 1,300 | | |
债务证券净摊销
|
| | | | 2,511 | | | | | | 1,042 | | |
递延贷款费用净增值
|
| | | | (1,112) | | | | | | (576) | | |
贷款保费净摊销
|
| | | | 203 | | | | | | 62 | | |
购入贷款净增贴现
|
| | | | (101) | | | | | | (133) | | |
摊销长期债务发行成本
|
| | | | 45 | | | | | | 8 | | |
房地和设备的折旧和摊销
|
| | | | 367 | | | | | | 301 | | |
核心矿藏无形资产摊销
|
| | | | 87 | | | | | | 111 | | |
出售可供出售的债务证券的已实现净收益
|
| | | | (252) | | | | | | (807) | | |
出售止赎资产的已实现净收益
|
| | | | (3) | | | | | | (15) | | |
银行自有寿险收入,净额
|
| | | | (537) | | | | | | (313) | | |
Deferred income taxes
|
| | | | (260) | | | | | | (427) | | |
基于股票的薪酬
|
| | | | — | | | | | | 186 | | |
营业资产和负债净变化:
|
| | | | | | | | | | | | |
应计应收利息
|
| | | | 543 | | | | | | (2,427) | | |
Other assets
|
| | | | (290) | | | | | | 541 | | |
应计应付利息和其他负债
|
| | | | 504 | | | | | | (38) | | |
经营活动提供的现金净额
|
| | | | 10,026 | | | | | | 4,078 | | |
投资活动的现金流: | | | | | | | | | | | | | |
其他银行有息定期存款净变化
|
| | | | (750) | | | | | | 250 | | |
购买人寿保险
|
| | | | (3,840) | | | | | | (5,140) | | |
可供出售的债务证券活动:
|
| | | | | | | | | | | | |
Sales
|
| | | | 34,962 | | | | | | 59,274 | | |
到期日、预付款和催款
|
| | | | 46,383 | | | | | | 24,649 | | |
Purchases
|
| | | | (113,080) | | | | | | (180,229) | | |
联邦住房贷款银行股票净变动(受限)
|
| | | | 245 | | | | | | (39) | | |
贷款本金来源,净额
|
| | | | (143,405) | | | | | | (9,754) | | |
出售止赎资产的收益
|
| | | | 143 | | | | | | 453 | | |
增加房舍和设备
|
| | | | (551) | | | | | | (269) | | |
用于投资活动的现金净额
|
| | | | (179,893) | | | | | | (110,805) | | |
融资活动的现金流: | | | | | | | | | | | | | |
Net change in deposits
|
| | | | 187,690 | | | | | | 84,895 | | |
发行长期债务的净收益
|
| | | | — | | | | | | 11,799 | | |
借款人预付税款和保险费的净变化
|
| | | | 970 | | | | | | (469) | | |
融资活动提供的现金净额
|
| | | | 188,660 | | | | | | 96,225 | | |
现金及现金等价物净变化
|
| | | | 18,793 | | | | | | (10,502) | | |
现金和现金等价物,年初
|
| | | | 64,917 | | | | | | 75,419 | | |
现金和现金等价物,年终
|
| | | $ | 83,710 | | | | | $ | 64,917 | | |
补充披露现金流信息: | | | | | | | | | | | | | |
将贷款转移到止赎资产
|
| | | $ | — | | | | | $ | 355 | | |
存款和借款的利息
|
| | | $ | 3,102 | | | | | $ | 5,507 | | |
缴纳所得税的现金
|
| | | $ | 2,340 | | | | | $ | 1,480 | | |
| 建筑和改进 | | | 30 – 40 years | |
| 租赁改进 | | | 使用年限或租期较短 | |
| 家具、固定装置和设备 | | | 5 to 7 years | |
| 计算机硬件/软件 | | | 3 to 5 years | |
| Vehicle | | | 3 years | |
| | |
2021
|
| |
2020
|
| ||||||
Beginning balance
|
| | | $ | 12,221 | | | | | $ | 9,238 | | |
Advances
|
| | | | 6,073 | | | | | | 3,203 | | |
Repayments
|
| | | | (11,469) | | | | | | (220) | | |
Ending balance
|
| | | $ | 6,825 | | | | | $ | 12,221 | | |
| | |
For Year Ended December 31,
|
| |||||||||
| | |
2021
|
| |
2020
|
| ||||||
关联方贷款产生的利息
|
| | | $ | 333 | | | | | $ | 454 | | |
关联方存款利息
|
| | | $ | 101 | | | | | $ | 238 | | |
关联方备用信用证手续费
|
| | | $ | 2 | | | | | $ | 2 | | |
| | |
2021
|
| |
2020
|
|
Loans
|
| |
4.50% – 5.00%
|
| |
1.00% – 5.00%
|
|
Deposits
|
| |
0.00 – 0.60%
|
| |
0.00 – 1.25%
|
|
| | |
December 31, 2021
|
| |||||||||||||||||||||
| | |
Amortized
Cost |
| |
Gross
Unrealized Gains |
| |
Gross
Unrealized Losses |
| |
Fair
Value |
| ||||||||||||
可供出售的证券: | | | | | | | | | | | | | | | | | | | | | | | | | |
美国政府支持的企业(GSE)
|
| | | $ | 6,880 | | | | | $ | 60 | | | | | $ | (44) | | | | | $ | 6,896 | | |
Corporate bonds
|
| | | | 68,341 | | | | | | 1,312 | | | | | | (724) | | | | | | 68,929 | | |
GSE住房抵押贷款担保
|
| | | | 92,775 | | | | | | 670 | | | | | | (2,316) | | | | | | 91,129 | | |
GSE商业抵押贷款支持
|
| | | | 7,485 | | | | | | — | | | | | | (106) | | | | | | 7,379 | | |
Tax exempt municipals
|
| | | | 30,424 | | | | | | 323 | | | | | | (70) | | | | | | 30,677 | | |
Asset-backed
|
| | | | 29,410 | | | | | | 154 | | | | | | (137) | | | | | | 29,427 | | |
U.S. treasury notes
|
| | | | 24,718 | | | | | | — | | | | | | (417) | | | | | | 24,301 | | |
可供出售的证券总额
|
| | |
$
|
260,033
|
| | | |
$
|
2,519
|
| | | |
$
|
(3,814)
|
| | | |
$
|
258,738
|
| |
| | |
December 31, 2020
|
| |||||||||||||||||||||
| | |
Amortized
Cost |
| |
Gross
Unrealized Gains |
| |
Gross
Unrealized Losses |
| |
Fair
Value |
| ||||||||||||
可供出售的证券: | | | | | | | | | | | | | | | | | | | | | | | | | |
美国政府支持的企业(GSE)
|
| | | $ | 18,271 | | | | | $ | 582 | | | | | $ | (57) | | | | | $ | 18,796 | | |
Corporate bonds
|
| | | | 54,175 | | | | | | 1,691 | | | | | | (909) | | | | | | 54,957 | | |
GSE住房抵押贷款担保
|
| | | | 113,232 | | | | | | 766 | | | | | | (131) | | | | | | 113,867 | | |
GSE商业抵押贷款支持
|
| | | | 8,562 | | | | | | 8 | | | | | | (26) | | | | | | 8,544 | | |
Tax exempt municipals
|
| | | | 23,776 | | | | | | 373 | | | | | | (9) | | | | | | 24,140 | | |
Asset-backed
|
| | | | 12,541 | | | | | | 60 | | | | | | (44) | | | | | | 12,557 | | |
可供出售的证券总额
|
| | |
$
|
230,557
|
| | | |
$
|
3,480
|
| | | |
$
|
(1,176)
|
| | | |
$
|
232,861
|
| |
| | |
Amortized
Cost |
| |
Fair Value
|
| ||||||
After 1 year through 5 years
|
| | | $ | 32,543 | | | | | $ | 32,160 | | |
After 5 years through 10 years
|
| | | | 29,526 | | | | | | 29,385 | | |
Over 10 years
|
| | | | 197,964 | | | | | | 197,193 | | |
Total
|
| | |
$
|
260,033
|
| | | |
$
|
258,738
|
| |
| | |
Less Than Twelve Months
|
| |
Over Twelve Months
|
| |
Total
Unrealized Losses |
| |||||||||||||||||||||
|
Gross
Unrealized Losses |
| |
Fair
Value |
| |
Gross
Unrealized Losses |
| |
Fair
Value |
| ||||||||||||||||||||
December 31, 2021 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
可供出售的证券: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
GSEs
|
| | | $ | — | | | | | $ | — | | | | | $ | (44) | | | | | $ | 4,399 | | | | | $ | (44) | | |
Corporate bonds
|
| | | | (559) | | | | | | 28,522 | | | | | | (165) | | | | | | 4,324 | | | | | | (724) | | |
GSE住房抵押贷款担保
|
| | | | (1,318) | | | | | | 57,191 | | | | | | (998) | | | | | | 26,788 | | | | | | (2,316) | | |
GSE商业抵押贷款支持
|
| | | | (27) | | | | | | 5,013 | | | | | | (79) | | | | | | 2,367 | | | | | | (106) | | |
Tax exempt municipals
|
| | | | (58) | | | | | | 5,124 | | | | | | (12) | | | | | | 1,518 | | | | | | (70) | | |
Asset-backed
|
| | | | (137) | | | | | | 19,106 | | | | | | — | | | | | | — | | | | | | (137) | | |
U.S. treasury notes
|
| | | | (417) | | | | | | 24,301 | | | | | | — | | | | | | — | | | | | | (417) | | |
| | | | $ | (2,516) | | | | | $ | 139,257 | | | | | $ | (1,298) | | | | | $ | 39,396 | | | | | $ | (3,814) | | |
| | |
Less Than Twelve Months
|
| |
Over Twelve Months
|
| |
Total
Unrealized Losses |
| |||||||||||||||||||||
|
Gross
Unrealized Losses |
| |
Fair
Value |
| |
Gross
Unrealized Losses |
| |
Fair
Value |
| ||||||||||||||||||||
December 31, 2020 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
可供出售的证券: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
GSEs
|
| | | $ | — | | | | | $ | — | | | | | $ | (57) | | | | | $ | 5,825 | | | | | $ | (57) | | |
Corporate bonds
|
| | | | (319) | | | | | | 13,347 | | | | | | (590) | | | | | | 8,641 | | | | | | (909) | | |
GSE住房抵押贷款担保
|
| | | | (131) | | | | | | 48,123 | | | | | | — | | | | | | — | | | | | | (131) | | |
GSE商业抵押贷款支持
|
| | | | — | | | | | | — | | | | | | (26) | | | | | | 3,928 | | | | | | (26) | | |
Tax exempt municipals
|
| | | | (9) | | | | | | 1,493 | | | | | | — | | | | | | — | | | | | | (9) | | |
Asset-backed
|
| | | | — | | | | | | — | | | | | | (44) | | | | | | 6,276 | | | | | | (44) | | |
| | | | $ | (459) | | | | | $ | 62,963 | | | | | $ | (717) | | | | | $ | 24,670 | | | | | $ | (1,176) | | |
| | |
2021
|
| |
2020
|
| ||||||
工商业
|
| | | $ | 53,839 | | | | | $ | 72,168 | | |
Real estate
|
| | | | 596,800 | | | | | | 431,124 | | |
Consumer
|
| | | | 12,345 | | | | | | 15,399 | | |
Other
|
| | | | 3,197 | | | | | | 2,478 | | |
| | | | | 666,181 | | | | | | 521,169 | | |
未摊销净贷款保费
|
| | | | 229 | | | | | | 432 | | |
Net deferred loan fees
|
| | | | (1,476) | | | | | | (1,072) | | |
贷款损失准备
|
| | | | (6,896) | | | | | | (7,006) | | |
Loans, net
|
| | |
$
|
658,038
|
| | | |
$
|
513,523
|
| |
| | |
2021
|
| |
2020
|
| ||||||
Gross loans
|
| | | $ | 666,181 | | | | | $ | 521,169 | | |
应计应收利息
|
| | | | 4,035 | | | | | | 4,676 | | |
Net deferred loan fees
|
| | | | (1,476) | | | | | | (1,072) | | |
未摊销净贷款保费
|
| | | | 229 | | | | | | 432 | | |
| | | | $ | 668,969 | | | | | $ | 525,205 | | |
| | |
Commercial
and Industrial |
| |
Real
Estate |
| |
Consumer
|
| |
Other
|
| |
Unallocated
|
| |
Total
|
| ||||||||||||||||||
贷款损失准备: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Beginning balance
|
| | | $ | 724 | | | | | $ | 5,792 | | | | | $ | 116 | | | | | $ | — | | | | | $ | 374 | | | | | $ | 7,006 | | |
Charge-offs
|
| | | | — | | | | | | — | | | | | | (13) | | | | | | — | | | | | | — | | | | | | (13) | | |
Recoveries
|
| | | | — | | | | | | — | | | | | | 3 | | | | | | — | | | | | | — | | | | | | 3 | | |
Provision (reversal)
|
| | | | (383) | | | | | | 160 | | | | | | (38) | | | | | | — | | | | | | 161 | | | | | | (100) | | |
Ending balance
|
| | | $ | 341 | | | | | $ | 5,952 | | | | | $ | 68 | | | | | $ | — | | | | | $ | 535 | | | | | $ | 6,896 | | |
期末余额:单独评估减值情况
|
| | | $ | 25 | | | | | $ | 190 | | | | | $ | 2 | | | | | $ | — | | | | | $ | — | | | | | $ | 217 | | |
期末余额:集中评估减值情况
|
| | | $ | 316 | | | | | $ | 5,762 | | | | | $ | 66 | | | | | $ | — | | | | | $ | 535 | | | | | $ | 6,679 | | |
期末余额:因信用质量恶化而获得的贷款
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
记录的贷款投资:
|
| | | $ | 54,218 | | | | | $ | 598,014 | | | | | $ | 13,577 | | | | | $ | 3,160 | | | | | $ | — | | | | | $ | 668,969 | | |
Ending balance | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
期末余额:单独评估减值情况
|
| | | $ | 9,154 | | | | | $ | 5,544 | | | | | $ | 103 | | | | | $ | — | | | | | $ | — | | | | | $ | 14,801 | | |
期末余额:集中评估减值情况
|
| | | $ | 45,064 | | | | | $ | 592,470 | | | | | $ | 13,474 | | | | | $ | 3,160 | | | | | $ | — | | | | | $ | 654,168 | | |
期末余额:因信用质量恶化而获得的贷款
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
| | |
Commercial
and Industrial |
| |
Real
Estate |
| |
Consumer
|
| |
Other
|
| |
Unallocated
|
| |
Total
|
| ||||||||||||||||||
贷款损失准备: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Beginning balance
|
| | | $ | 228 | | | | | $ | 5,428 | | | | | $ | 79 | | | | | $ | 16 | | | | | $ | 2 | | | | | $ | 5,753 | | |
Charge-offs
|
| | | | — | | | | | | (42) | | | | | | — | | | | | | (12) | | | | | | — | | | | | | (54) | | |
Recoveries
|
| | | | — | | | | | | — | | | | | | 1 | | | | | | 6 | | | | | | — | | | | | | 7 | | |
Provision
|
| | | | 496 | | | | | | 406 | | | | | | 36 | | | | | | (10) | | | | | | 372 | | | | | | 1,300 | | |
Ending balance
|
| | | $ | 724 | | | | | $ | 5,792 | | | | | $ | 116 | | | | | $ | — | | | | | $ | 374 | | | | | $ | 7,006 | | |
期末余额:单独评估减值情况
|
| | | $ | 22 | | | | | $ | 93 | | | | | $ | 10 | | | | | $ | — | | | | | $ | — | | | | | $ | 125 | | |
期末余额:集中评估减值情况
|
| | | $ | 702 | | | | | $ | 5,699 | | | | | $ | 106 | | | | | $ | — | | | | | $ | 374 | | | | | $ | 6,881 | | |
期末余额:因信用质量恶化而获得的贷款
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
记录的贷款投资:
|
| | | $ | 72,128 | | | | | $ | 433,997 | | | | | $ | 16,596 | | | | | $ | 2,484 | | | | | $ | — | | | | | $ | 525,205 | | |
Ending balance | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
期末余额:单独评估减值情况
|
| | | $ | 8,258 | | | | | $ | 29,030 | | | | | $ | 549 | | | | | $ | — | | | | | $ | — | | | | | $ | 37,837 | | |
期末余额:集中评估减值情况
|
| | | $ | 63,870 | | | | | $ | 404,783 | | | | | $ | 16,047 | | | | | $ | 2,484 | | | | | $ | — | | | | | $ | 487,184 | | |
期末余额:因信用质量恶化而获得的贷款
|
| | | $ | — | | | | | $ | 184 | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | 184 | | |
| | |
Pass
|
| |
Special
Mention |
| |
Substandard
|
| |
Total
|
| ||||||||||||
Business assets
|
| | | $ | 28,743 | | | | | $ | — | | | | | $ | 9,051 | | | | | $ | 37,794 | | |
C & I – unsecured
|
| | | | 16,366 | | | | | | 50 | | | | | | — | | | | | | 16,416 | | |
EXIM secured
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Commercial – OO
|
| | | | 69,085 | | | | | | — | | | | | | — | | | | | | 69,085 | | |
Commercial – NOO
|
| | | | 321,111 | | | | | | — | | | | | | — | | | | | | 321,111 | | |
Land
|
| | | | 24,797 | | | | | | — | | | | | | — | | | | | | 24,797 | | |
Residential
|
| | | | 96,958 | | | | | | — | | | | | | 3,633 | | | | | | 100,591 | | |
Hotels
|
| | | | 82,430 | | | | | | — | | | | | | — | | | | | | 82,430 | | |
Consumer – secured
|
| | | | 330 | | | | | | — | | | | | | — | | | | | | 330 | | |
Consumer – unsecured
|
| | | | 8 | | | | | | — | | | | | | — | | | | | | 8 | | |
Guaranteed student
|
| | | | 13,144 | | | | | | — | | | | | | 103 | | | | | | 13,247 | | |
Cash collateral
|
| | | | 3,160 | | | | | | — | | | | | | — | | | | | | 3,160 | | |
Total
|
| | |
$
|
656,132
|
| | | |
$
|
50
|
| | | |
$
|
12,787
|
| | | |
$
|
668,969
|
| |
| | |
Pass
|
| |
Special
Mention |
| |
Substandard
|
| |
Total
|
| ||||||||||||
Business assets
|
| | | $ | 33,520 | | | | | $ | 4,566 | | | | | $ | 8,246 | | | | | $ | 46,332 | | |
C & I – unsecured
|
| | | | 8,441 | | | | | | 51 | | | | | | — | | | | | | 8,492 | | |
EXIM secured
|
| | | | 17,304 | | | | | | — | | | | | | — | | | | | | 17,304 | | |
Commercial – OO
|
| | | | 44,706 | | | | | | — | | | | | | 2,521 | | | | | | 47,227 | | |
Commercial – NOO
|
| | | | 192,967 | | | | | | — | | | | | | 3,212 | | | | | | 196,179 | | |
Land
|
| | | | 21,504 | | | | | | — | | | | | | — | | | | | | 21,504 | | |
Residential
|
| | | | 82,534 | | | | | | — | | | | | | 11,387 | | | | | | 93,921 | | |
Hotels
|
| | | | 60,942 | | | | | | — | | | | | | 14,224 | | | | | | 75,166 | | |
Consumer – secured
|
| | | | 339 | | | | | | — | | | | | | — | | | | | | 339 | | |
Consumer – unsecured
|
| | | | 10 | | | | | | — | | | | | | — | | | | | | 10 | | |
Guaranteed student
|
| | | | 16,247 | | | | | | — | | | | | | — | | | | | | 16,247 | | |
Cash collateral
|
| | | | 2,484 | | | | | | — | | | | | | — | | | | | | 2,484 | | |
Total
|
| | |
$
|
480,998
|
| | | |
$
|
4,617
|
| | | |
$
|
39,590
|
| | | |
$
|
525,205
|
| |
| | |
Term
Modifications |
| |
Combination
Modifications |
| |
Total
Modifications |
| |||||||||
Residential
|
| | | $ | 1,009 | | | | | $ | — | | | | | $ | 1,009 | | |
Total
|
| | | $ | 1,009 | | | | | $ | — | | | | | $ | 1,009 | | |
| | |
Term
Modifications |
| |
Combination
Modifications |
| |
Total
Modifications |
| |||||||||
Commercial – OO
|
| | | $ | — | | | | | $ | 62 | | | | | $ | 62 | | |
Residential
|
| | | | 1,240 | | | | | | — | | | | | | 1,240 | | |
Total
|
| | |
$
|
1,240
|
| | | |
$
|
62
|
| | | |
$
|
1,302
|
| |
| | |
Performing
|
| |
Nonperforming
|
| |
Total
|
| |||||||||
Business assets
|
| | | $ | 37,794 | | | | | $ | — | | | | | $ | 37,794 | | |
EXIM secured
|
| | | | — | | | | | | — | | | | | | — | | |
C & I – unsecured
|
| | | | 16,416 | | | | | | — | | | | | | 16,416 | | |
Commercial – OO
|
| | | | 69,085 | | | | | | — | | | | | | 69,085 | | |
Commercial – NOO
|
| | | | 321,111 | | | | | | — | | | | | | 321,111 | | |
Land
|
| | | | 24,797 | | | | | | — | | | | | | 24,797 | | |
Residential
|
| | | | 96,627 | | | | | | 3,964 | | | | | | 100,591 | | |
Hotels
|
| | | | 82,430 | | | | | | — | | | | | | 82,430 | | |
Consumer – secured
|
| | | | 330 | | | | | | — | | | | | | 330 | | |
Consumer – unsecured
|
| | | | 8 | | | | | | — | | | | | | 8 | | |
Guaranteed student
|
| | | | 13,247 | | | | | | — | | | | | | 13,247 | | |
Cash collateral
|
| | | | 3,160 | | | | | | — | | | | | | 3,160 | | |
Total
|
| | |
$
|
665,005
|
| | | |
$
|
3,964
|
| | | |
$
|
668,969
|
| |
| | |
Performing
|
| |
Nonperforming
|
| |
Total
|
| |||||||||
Business assets
|
| | | $ | 46,332 | | | | | $ | — | | | | | $ | 46,332 | | |
EXIM secured
|
| | | | 17,304 | | | | | | — | | | | | | 17,304 | | |
C & I – unsecured
|
| | | | 8,492 | | | | | | — | | | | | | 8,492 | | |
Commercial – OO
|
| | | | 47,165 | | | | | | 62 | | | | | | 47,227 | | |
Commercial – NOO
|
| | | | 196,179 | | | | | | — | | | | | | 196,179 | | |
Land
|
| | | | 21,504 | | | | | | — | | | | | | 21,504 | | |
Residential
|
| | | | 82,534 | | | | | | 11,387 | | | | | | 93,921 | | |
Hotels
|
| | | | 75,166 | | | | | | — | | | | | | 75,166 | | |
Consumer – secured
|
| | | | 339 | | | | | | — | | | | | | 339 | | |
Consumer – unsecured
|
| | | | 10 | | | | | | — | | | | | | 10 | | |
Guaranteed student
|
| | | | 16,247 | | | | | | — | | | | | | 16,247 | | |
Cash collateral
|
| | | | 2,484 | | | | | | — | | | | | | 2,484 | | |
Total
|
| | |
$
|
513,756
|
| | | |
$
|
11,449
|
| | | |
$
|
525,205
|
| |
| | |
31 – 60
Days Past Due |
| |
61 – 90
Days Past Due |
| |
Greater Than
90 Days |
| |
Total Past
Due |
| |
Current
|
| |
Total
Loans |
| |
Recorded
Investment >90 Days and Accruing |
| |||||||||||||||||||||
Business assets
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | 37,794 | | | | | $ | 37,794 | | | | | $ | — | | |
EXIM secured
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
C & I – unsecured
|
| | | | 1 | | | | | | — | | | | | | — | | | | | | 1 | | | | | | 16,415 | | | | | | 16,416 | | | | | | — | | |
Commercial – OO
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 69,085 | | | | | | 69,085 | | | | | | — | | |
Commercial – NOO
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 321,111 | | | | | | 321,111 | | | | | | — | | |
Land
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 24,797 | | | | | | 24,797 | | | | | | — | | |
Residential
|
| | | | 103 | | | | | | — | | | | | | 2,618 | | | | | | 2,721 | | | | | | 97,870 | | | | | | 100,591 | | | | | | — | | |
Hotels
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 82,430 | | | | | | 82,430 | | | | | | — | | |
Consumer – secured
|
| | | | — | | | | | | — | | | | | | — | | | | | | | | | | | | 330 | | | | | | 330 | | | | | | — | | |
Consumer – unsecured
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 8 | | | | | | 8 | | | | | | — | | |
Guaranteed student
|
| | | | 53 | | | | | | 59 | | | | | | 103 | | | | | | 215 | | | | | | 13,032 | | | | | | 13,247 | | | | | | 103 | | |
Cash collateral
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 3,160 | | | | | | 3,160 | | | | | | — | | |
Total
|
| | |
$
|
157
|
| | | |
$
|
59
|
| | | |
$
|
2,721
|
| | | |
$
|
2,937
|
| | | |
$
|
666,032
|
| | | |
$
|
668,969
|
| | | |
$
|
103
|
| |
| | |
31 – 60
Days Past Due |
| |
61 – 90
Days Past Due |
| |
Greater Than
90 Days |
| |
Total Past
Due |
| |
Current
|
| |
Total
Loans |
| |
Recorded
Investment >90 Days and Accruing |
| |||||||||||||||||||||
Business assets
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | 46,332 | | | | | $ | 46,332 | | | | | $ | — | | |
EXIM secured
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 17,304 | | | | | | 17,304 | | | | | | — | | |
C & I – unsecured
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 8,492 | | | | | | 8,492 | | | | | | — | | |
Commercial – OO
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 47,227 | | | | | | 47,227 | | | | | | — | | |
Commercial – NOO
|
| | | | — | | | | | | 897 | | | | | | — | | | | | | 897 | | | | | | 195,282 | | | | | | 196,179 | | | | | | — | | |
Land
|
| | | | — | | | | | | 1,424 | | | | | | — | | | | | | 1,424 | | | | | | 20,080 | | | | | | 21,504 | | | | | | — | | |
Residential
|
| | | | 526 | | | | | | 191 | | | | | | 11,387 | | | | | | 12,104 | | | | | | 81,817 | | | | | | 93,921 | | | | | | — | | |
Hotels
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 75,166 | | | | | | 75,166 | | | | | | — | | |
Consumer – secured
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 339 | | | | | | 339 | | | | | | — | | |
Consumer – unsecured
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 10 | | | | | | 10 | | | | | | — | | |
Guaranteed student
|
| | | | 5 | | | | | | 808 | | | | | | 549 | | | | | | 1,362 | | | | | | 14,885 | | | | | | 16,247 | | | | | | 549 | | |
Cash collateral
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 2,484 | | | | | | 2,484 | | | | | | — | | |
Total
|
| | |
$
|
531
|
| | | |
$
|
3,320
|
| | | |
$
|
11,936
|
| | | |
$
|
15,787
|
| | | |
$
|
509,418
|
| | | |
$
|
525,205
|
| | | |
$
|
549
|
| |
| | |
Recorded
Investment |
| |
Unpaid
Principal Balance |
| |
Associated
Allowance |
| |
Average
Recorded Investment |
| |
Interest
Income Recognized |
| |||||||||||||||
未记录相关津贴: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Business Assets
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | 3,419 | | | | | $ | 98 | | |
Commercial Mortgage (NOO)
|
| | | | — | | | | | | — | | | | | | | | | | | | 14,003 | | | | | | 270 | | |
Commercial Mortgage (OO)
|
| | | | 784 | | | | | | 786 | | | | | | — | | | | | | 3,284 | | | | | | 284 | | |
Residential
|
| | | | 2,933 | | | | | | 2,930 | | | | | | — | | | | | | 12,156 | | | | | | 600 | | |
Consumer
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
有记录的津贴: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Business Assets
|
| | | | 9,154 | | | | | | 9,142 | | | | | | 25 | | | | | | 9,124 | | | | | | 107 | | |
Commercial Mortgage (NOO)
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Commercial Mortgage (OO)
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Residential
|
| | | | 1,827 | | | | | | 1,826 | | | | | | 190 | | | | | | 1,854 | | | | | | 7 | | |
Consumer
|
| | | | 103 | | | | | | 95 | | | | | | 2 | | | | | | 353 | | | | | | — | | |
Total: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Business Assets:
|
| | | | 9,154 | | | | | | 9,142 | | | | | | 25 | | | | | | 12,543 | | | | | | 205 | | |
Commercial Mortgage (NOO)
|
| | | | — | | | | | | — | | | | | | — | | | | | | 14,003 | | | | | | 270 | | |
Commercial Mortgage (OO)
|
| | | | 784 | | | | | | 786 | | | | | | — | | | | | | 3,284 | | | | | | 284 | | |
Residential
|
| | | | 4,760 | | | | | | 4,756 | | | | | | 190 | | | | | | 14,010 | | | | | | 607 | | |
Consumer
|
| | | | 103 | | | | | | 95 | | | | | | 2 | | | | | | 353 | | | | | | — | | |
| | | | $ | 14,801 | | | | | $ | 14,779 | | | | | $ | 217 | | | | | $ | 44,193 | | | | | $ | 1,366 | | |
| | |
Recorded
Investment |
| |
Unpaid
Principal Balance |
| |
Associated
Allowance |
| |
Average
Recorded Investment |
| |
Interest
Income Recognized |
| |||||||||||||||
未记录相关津贴: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Business assets
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
Commercial Mortgage – NOO
|
| | | | 12,037 | | | | | | 11,992 | | | | | | — | | | | | | 15,237 | | | | | | 317 | | |
Commercial – OO
|
| | | | 861 | | | | | | 862 | | | | | | — | | | | | | 917 | | | | | | 42 | | |
Residential
|
| | | | 11,580 | | | | | | 11,573 | | | | | | — | | | | | | 14,611 | | | | | | 275 | | |
Consumer
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
有记录的津贴: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Business assets
|
| | | | 8,258 | | | | | | 8,239 | | | | | | 22 | | | | | | 8,252 | | | | | | 46 | | |
Commercial Mortgage – NOO
|
| | | | 1,899 | | | | | | 1,839 | | | | | | 3 | | | | | | 1,868 | | | | | | 6 | | |
Commercial – OO
|
| | | | 2,481 | | | | | | 2,460 | | | | | | 28 | | | | | | 2,488 | | | | | | 114 | | |
Residential
|
| | | | 172 | | | | | | 171 | | | | | | 62 | | | | | | 174 | | | | | | 7 | | |
Consumer
|
| | | | 549 | | | | | | 513 | | | | | | 10 | | | | | | 387 | | | | | | — | | |
Total: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Business assets
|
| | | | 8,258 | | | | | | 8,239 | | | | | | 22 | | | | | | 8,252 | | | | | | 46 | | |
Commercial Mortgage – NOO
|
| | | | 13,936 | | | | | | 13,831 | | | | | | 3 | | | | | | 17,105 | | | | | | 323 | | |
Commercial – OO
|
| | | | 3,342 | | | | | | 3,322 | | | | | | 28 | | | | | | 3,405 | | | | | | 156 | | |
Residential
|
| | | | 11,752 | | | | | | 11,744 | | | | | | 62 | | | | | | 14,785 | | | | | | 282 | | |
Consumer
|
| | | | 549 | | | | | | 513 | | | | | | 10 | | | | | | 387 | | | | | | — | | |
| | | | $ | 37,837 | | | | | $ | 37,649 | | | | | $ | 125 | | | | | $ | 43,934 | | | | | $ | 807 | | |
| | |
2021
|
| |
2020
|
| ||||||
Residential
|
| | | $ | 2,955 | | | | | $ | 11,387 | | |
Total
|
| | |
$
|
2,955
|
| | | |
$
|
11,387
|
| |
| | |
2021
|
| |
2020
|
| ||||||
出售丧失抵押品赎回权的资产的净收益
|
| | | $ | 3 | | | | | $ | 15 | | |
Operating expenses
|
| | | | (2) | | | | | | (35) | | |
| | | | $ | 1 | | | | | $ | (20) | | |
| | |
2021
|
| |
2020
|
| ||||||
Land
|
| | | $ | 2,930 | | | | | $ | 2,930 | | |
建筑和改进
|
| | | | 2,692 | | | | | | 2,688 | | |
租赁改进
|
| | | | 1,341 | | | | | | 1,295 | | |
家具、固定装置和设备
|
| | | | 1,172 | | | | | | 1,129 | | |
Computer software
|
| | | | 618 | | | | | | 799 | | |
Computer hardware
|
| | | | 307 | | | | | | 597 | | |
施工中
|
| | | | 297 | | | | | | — | | |
Vehicle
|
| | | | 29 | | | | | | 29 | | |
Artwork
|
| | | | 28 | | | | | | 28 | | |
| | | | | 9,414 | | | | | | 9,495 | | |
减去:累计折旧和摊销
|
| | | | (3,081) | | | | | | (3,346) | | |
| | | | $ | 6,333 | | | | | $ | 6,149 | | |
| | |
2021
|
| |
2020
|
| ||||||
无形岩心矿藏
|
| | | $ | 2,057 | | | | | $ | 2,057 | | |
减去:累计摊销
|
| | | | (1,900) | | | | | | (1,813) | | |
岩心净存款无形资产
|
| | | $ | 157 | | | | | $ | 244 | | |
Year Ended December 31,
|
| | | | | | |
2022
|
| | | $ | 71 | | |
2023
|
| | | | 57 | | |
2024
|
| | | | 29 | | |
| | | | $ | 157 | | |
Year Ended December 31,
|
| | | | | | |
2022
|
| | | $ | 80,754 | | |
2023
|
| | | | 7,314 | | |
2024
|
| | | | 1,247 | | |
| | | | $ | 89,315 | | |
| | |
Amount
|
| |
Weighted
Average Rate |
| ||||||
到期的固定利率预付款: | | | | | | | | | | | | | |
2024
|
| | | $ | 7,500 | | | | | | 1.60% | | |
2029
|
| | | | 7,500 | | | | | | 1.73% | | |
| | | | $ | 15,000 | | | | | | 1.66% | | |
| | |
Amount
|
| |
Unamortized
Debt Issuance Costs |
| ||||||
5.5%的固定利率至浮动利率优先债券,2030年10月30日到期
|
| | | $ | 12,250 | | | | | $ | 398 | | |
| | | | $ | 12,250 | | | | | $ | 398 | | |
| | |
Actual
|
| |
For Capital
Adequacy Purposes |
| |
To Be Well
Capitalized Under Prompt Corrective Action Provisions |
| |||||||||||||||||||||||||||
| | |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| ||||||||||||||||||
2021 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
总资本(相对于风险加权资产)
|
| | | $ | 104,178 | | | | | | 13.31% | | | | | $ | 62,610 | | | | | | 8.00% | | | | | $ | 78,262 | | | | | | 10.00% | | |
一级资本(风险加权资产)
|
| | | | 97,137 | | | | | | 12.41% | | | | | | 46,957 | | | | | | 6.00% | | | | | | 62,610 | | | | | | 8.00% | | |
普通股一级资本(按风险加权计算)
assets) |
| | | | 97,137 | | | | | | 12.41% | | | | | | 35,218 | | | | | | 4.50% | | | | | | 50,870 | | | | | | 6.50% | | |
一级资本(相对于平均资产)
|
| | | | 97,137 | | | | | | 9.51% | | | | | | 40,843 | | | | | | 4.00% | | | | | | 51,054 | | | | | | 5.00% | | |
| | |
Actual
|
| |
For Capital
Adequacy Purposes |
| |
To Be Well
Capitalized Under Prompt Corrective Action Provisions |
| |||||||||||||||||||||||||||
| | |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| ||||||||||||||||||
2020 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
总资本(相对于风险加权资产)
|
| | | $ | 95,351 | | | | | | 15.98% | | | | | $ | 47,740 | | | | | | 8.00% | | | | | $ | 59,676 | | | | | | 10.00% | | |
一级资本(风险加权资产)
|
| | | | 88,278 | | | | | | 14.79% | | | | | | 35,805 | | | | | | 6.00% | | | | | | 47,740 | | | | | | 8.00% | | |
普通股一级资本(相对于风险加权资产)
|
| | | | 88,278 | | | | | | 14.79% | | | | | | 26,854 | | | | | | 4.50% | | | | | | 38,789 | | | | | | 6.50% | | |
一级资本(相对于平均资产)
|
| | | | 88,278 | | | | | | 10.33% | | | | | | 34,168 | | | | | | 4.00% | | | | | | 42,709 | | | | | | 5.00% | | |
Year Ended December 31,
|
| | | | | | |
2022
|
| | | $ | — | | |
2023
|
| | | | — | | |
2024
|
| | | | — | | |
2025
|
| | | | — | | |
2026
|
| | | | — | | |
Years 2027 – 2031
|
| | | | 338 | | |
| | | | $ | 338 | | |
| | |
Shares
|
| |
Weighted
Average Exercise Price |
| |
Weighted
Average Remaining Contractual Term |
| |||||||||
Outstanding at January 1, 2021
|
| | | | 268 | | | | | $ | 10.00 | | | | | | | | |
Granted
|
| | | | — | | | | | | — | | | | | | | | |
Exercised
|
| | | | — | | | | | | — | | | | | | | | |
Forfeited or expired
|
| | | | — | | | | | | — | | | | | | | | |
Outstanding at December 31, 2021
|
| | |
|
268
|
| | | |
$
|
10.00
|
| | | |
|
9.0
|
| |
Exercisable at December 31, 2021
|
| | |
|
268
|
| | | |
$
|
10.00
|
| | | |
|
9.0
|
| |
| | |
2021
|
| |
2020
|
| ||||||
Current: | | | | | | | | | | | | | |
Federal
|
| | | $ | 1,744 | | | | | $ | 1,736 | | |
State
|
| | | | 320 | | | | | | 263 | | |
| | | | | 2,064 | | | | | | 1,999 | | |
Deferred: | | | | | | | | | | | | | |
Federal
|
| | | | (62) | | | | | | (352) | | |
State
|
| | | | (198) | | | | | | (75) | | |
| | | | | (260) | | | | | | (427) | | |
Total
|
| | |
$
|
1,804
|
| | | |
$
|
1,572
|
| |
| | |
2021
|
| |
2020
|
| ||||||
Current: | | | | | | | | | | | | | |
按法定税率征收的联邦所得税
|
| | | $ | 2,147 | | | | | $ | 1,435 | | |
扣除联邦税收优惠后的州所得税
|
| | | | 273 | | | | | | 117 | | |
Change in state tax rate
|
| | | | (150) | | | | | | — | | |
估值免税额变动
|
| | | | (375) | | | | | | 51 | | |
其他永久性差异
|
| | | | (91) | | | | | | (31) | | |
Total
|
| | |
$
|
1,804
|
| | | |
$
|
1,572
|
| |
| | |
2021
|
| |
2020
|
| ||||||
Deferred tax assets: | | | | | | | | | | | | | |
净营业亏损和其他结转
|
| | | $ | 1,842 | | | | | $ | 1,914 | | |
贷款损失准备
|
| | | | 1,748 | | | | | | 1,718 | | |
可供出售证券的未实现净亏损
|
| | | | 339 | | | | | | — | | |
组织费用
|
| | | | 84 | | | | | | 107 | | |
Deferred loan fees
|
| | | | 374 | | | | | | 263 | | |
应收贷款贴现
|
| | | | 87 | | | | | | 109 | | |
Capitalized costs
|
| | | | 42 | | | | | | 40 | | |
股票期权和认股权证补偿
|
| | | | 216 | | | | | | 209 | | |
SERP
|
| | | | 255 | | | | | | 210 | | |
长期债务的应计利息
|
| | | | — | | | | | | 30 | | |
Foreclosed asset
|
| | | | — | | | | | | 1 | | |
Accruals
|
| | | | 41 | | | | | | 253 | | |
| | | | | 5,028 | | | | | | 4,854 | | |
减去:估值免税额
|
| | | | (366) | | | | | | (741) | | |
| | | | $ | 4,662 | | | | | $ | 4,113 | | |
递延纳税义务: | | | | | | | | | | | | | |
可供出售证券的未实现净收益
|
| | | | — | | | | | | (553) | | |
Depreciation
|
| | | | (24) | | | | | | (55) | | |
无形岩心矿藏
|
| | | | (48) | | | | | | (67) | | |
| | | | | (72) | | | | | | (675) | | |
Net deferred tax asset
|
| | |
$
|
4,590
|
| | | |
$
|
3,438
|
| |
| | |
2021
|
| |
2020
|
| ||||||
授信额度下的无资金承诺
|
| | | $ | 93,729 | | | | | $ | 40,892 | | |
发放贷款的承诺
|
| | | | — | | | | | | 3,965 | | |
备用信用证
|
| | | | 4,230 | | | | | | 4,200 | | |
Year Ended December 31,
|
| | | | | | |
2022
|
| | | $ | 1,491 | | |
2023
|
| | | | 1,399 | | |
2024
|
| | | | 1,401 | | |
2025
|
| | | | 1,316 | | |
2026
|
| | | | 1,329 | | |
Thereafter
|
| | | | 7,788 | | |
| | | | $ | 14,724 | | |
| | |
使用
计量2021年12月31日的公允价值
|
| |||||||||||||||||||||
| | |
Total
|
| |
Quoted Prices
in Active Markets for Identical Assets (Level 1) |
| |
Significant Other
Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| ||||||||||||
可供出售的证券: | | | | | | | | | | | | | | | | | | | | | | | | | |
GSEs
|
| | | $ | 6,896 | | | | | $ | — | | | | | $ | 6,896 | | | | | $ | — | | |
Corporate bonds
|
| | | | 68,929 | | | | | | — | | | | | | 68,929 | | | | | | — | | |
GSE住房抵押贷款担保
|
| | | | 91,129 | | | | | | — | | | | | | 91,129 | | | | | | — | | |
GSE商业抵押贷款支持
|
| | | | 7,379 | | | | | | — | | | | | | 7,379 | | | | | | — | | |
Tax exempt municipals
|
| | | | 30,677 | | | | | | — | | | | | | 30,677 | | | | | | — | | |
Asset-backed
|
| | | | 29,427 | | | | | | — | | | | | | 29,427 | | | | | | — | | |
U.S. treasury notes
|
| | | | 24,301 | | | | | | — | | | | | | 24,301 | | | | | | — | | |
按公允价值计算的总资产
|
| | | $ | 258,738 | | | | | $ | — | | | | | $ | 258,738 | | | | | $ | — | | |
| | |
使用
计量2020年12月31日的公允价值
|
| |||||||||||||||||||||
| | |
Total
|
| |
Quoted Prices
in Active Markets for Identical Assets (Level 1) |
| |
Significant Other
Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| ||||||||||||
可供出售的证券: | | | | | | | | | | | | | | | | | | | | | | | | | |
GSEs
|
| | | $ | 18,796 | | | | | $ | — | | | | | $ | 18,796 | | | | | $ | — | | |
Corporate bonds
|
| | | | 54,957 | | | | | | — | | | | | | 54,957 | | | | | | — | | |
GSE住房抵押贷款担保
|
| | | | 113,867 | | | | | | — | | | | | | 113,867 | | | | | | — | | |
GSE商业抵押贷款支持
|
| | | | 8,544 | | | | | | — | | | | | | 8,544 | | | | | | — | | |
Tax exempt municipals
|
| | | | 24,140 | | | | | | — | | | | | | 24,140 | | | | | | — | | |
Asset-backed
|
| | | | 12,557 | | | | | | — | | | | | | 12,557 | | | | | | — | | |
按公允价值计算的总资产
|
| | | $ | 232,861 | | | | | $ | — | | | | | $ | 232,861 | | | | | $ | — | | |
| | |
使用
计量2021年12月31日的公允价值
|
| |||||||||||||||||||||
| | |
Total
|
| |
Quoted Prices
in Active Markets for Identical Assets (Level 1) |
| |
Significant Other
Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| ||||||||||||
Impaired loans
|
| | | $ | 10,846 | | | | | $ | — | | | | | $ | — | | | | | $ | 10,846 | | |
Total
|
| | | $ | 10,846 | | | | | $ | — | | | | | $ | — | | | | | $ | 10,846 | | |
| | |
使用
计量2020年12月31日的公允价值
|
| |||||||||||||||||||||
| | |
Total
|
| |
Quoted Prices
in Active Markets for Identical Assets (Level 1) |
| |
Significant Other
Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| ||||||||||||
Impaired loans
|
| | | $ | 13,197 | | | | | $ | — | | | | | $ | — | | | | | $ | 13,197 | | |
Total
|
| | | $ | 13,197 | | | | | $ | — | | | | | $ | — | | | | | $ | 13,197 | | |
ASSETS
|
| |
6/30/2022
(Unaudited) |
| |||
现金和现金等价物
|
| | | $ | 53,320 | | |
其他银行的有息定期存款
|
| | | | — | | |
可供出售的债务证券
|
| | | | 219,628 | | |
联邦住房贷款银行股票,按成本计算(受限)
|
| | | | 1,647 | | |
Loans, net
|
| | | | 728,412 | | |
银行拥有的人寿保险
|
| | | | 23,713 | | |
Deferred tax asset, net
|
| | | | 10,294 | | |
房舍和设备,净额
|
| | | | 17,557 | | |
无形核心存款,净额
|
| | | | 119 | | |
Goodwill
|
| | | | 3,309 | | |
应计应收利息
|
| | | | 5,074 | | |
Other assets
|
| | | | 1,987 | | |
TOTAL ASSETS
|
| | |
$
|
1,065,060
|
| |
负债和股东权益 | | | | | | | |
无息活期存款
|
| | | $ | 426,750 | | |
有息活期存款
|
| | | | 33,512 | | |
储蓄、现在和货币市场存款
|
| | | | 397,566 | | |
Time deposits
|
| | | | 67,083 | | |
Total deposits
|
| | | | 924,911 | | |
LONG-TERM DEBT
|
| | | | | | |
Principal amount
|
| | | | 12,250 | | |
减少未摊销债务发行成本
|
| | | | (375) | | |
长期债务,减少未摊销债务发行成本
|
| | | | 11,875 | | |
联邦住房贷款银行垫款
|
| | | | 30,000 | | |
借款人预付税款和保险费
|
| | | | 5,373 | | |
应计应付利息和其他负债
|
| | | | 14,637 | | |
TOTAL LIABILITIES
|
| | | | 986,796 | | |
STOCKHOLDERS’ EQUITY:
|
| | | | | | |
阿波罗银行股份有限公司股东权益:
|
| | | | | | |
优先股,面值0.01美元,授权股份50,000,000股;未发行或未发行
|
| | | | — | | |
普通股,面值0.01美元,授权发行100,000,000股;已发行和已发行3,766,412股
|
| | | | 38 | | |
新增实收资本
|
| | | | 44,141 | | |
Retained earnings
|
| | | | 35,750 | | |
累计其他综合收益(亏损),扣除税收影响
|
| | | | (15,523) | | |
阿波罗银行股份有限公司股东权益合计
|
| | | | 64,406 | | |
非控股权益
|
| | | | 13,858 | | |
股东权益总额
|
| | | | 78,264 | | |
总负债和股东权益
|
| | |
$
|
1,065,060
|
| |
| | |
6/30/2022
(Unaudited) |
| |||
利息和股息收入 | | | | | | | |
Loans, including fees
|
| | | $ | 15,351 | | |
Debt securities
|
| | | | 2,073 | | |
其他银行的生息存款
|
| | | | 138 | | |
Other
|
| | | | 27 | | |
利息和股息收入合计
|
| | | | 17,589 | | |
INTEREST EXPENSE | | | | | | | |
Deposits
|
| | | | 686 | | |
联邦住房贷款银行垫款
|
| | | | 136 | | |
Long-term debt
|
| | | | 361 | | |
TOTAL INTEREST EXPENSE
|
| | | | 1,183 | | |
NET INTEREST INCOME
|
| | | | 16,406 | | |
贷款损失准备(冲销)
|
| | | | 648 | | |
扣除(冲销)贷款损失准备后的净利息收入
|
| | | | 15,758 | | |
NONINTEREST INCOME | | | | | | | |
客户服务费
|
| | | | 1,433 | | |
银行自有寿险收入,净额
|
| | | | 277 | | |
出售可供出售的债务证券的净收益
|
| | | | 581 | | |
出售丧失抵押品赎回权的资产的净收益
|
| | | | 0 | | |
Other
|
| | | | 54 | | |
非利息收入总额
|
| | | | 2,345 | | |
非利息支出 | | | | | | | |
工资和员工福利
|
| | | | 6,222 | | |
入住率和设备
|
| | | | 1,521 | | |
Data processing
|
| | | | 1,048 | | |
Professional fees
|
| | | | 1,148 | | |
Servicing fees
|
| | | | 111 | | |
联邦存款保险公司
|
| | | | 204 | | |
核心矿藏无形资产摊销
|
| | | | 38 | | |
Directors’ fees
|
| | | | 263 | | |
其他一般和行政工作
|
| | | | 811 | | |
非利息支出总额
|
| | | | 11,366 | | |
所得税扣除费用前的净收益
|
| | | | 6,737 | | |
所得税支出
|
| | | | 1,595 | | |
NET INCOME
|
| | | | 5,142 | | |
减去:可归因于非控股权益的净收入
|
| | | | (831) | | |
阿波罗银行股份有限公司的净收入。
|
| | | $ | 4,311 | | |