附件99.1
立即釋放 |
有關詳細信息,請訪問: 詹姆斯·R·戈登,執行副總裁兼首席財務官 325.627.7155
|
First Financial BankShares宣佈2022年第一季度收益
亞洲網得克薩斯州阿比林4月21日電第一金融銀行股份有限公司(納斯達克代碼:FIN)今天公佈,2022年第一季度收益為5,597萬美元,而去年同期為5,692萬美元。2022年第一季度,基本和稀釋後每股收益為0.39美元,而去年同期為0.40美元。如下所述,本季度的業績與上一年相比包括:i)信貸損失準備金增加678萬美元;ii)購買力平價貸款發放費減少488萬美元;iii)抵押貸款收入減少356萬美元。不包括購買力平價貸款發放費較低的淨利息收入因資產負債表持續增長而增加1,150萬美元,抵消了這些項目的影響。
利用過去兩年發展的新關係和創造的勢頭,我們本季度實現了顯著增長,反映在整體貸款增長(不包括購買力平價和待售貸款)為2.1425億美元,摺合成年率為16.07%,存款增長為4.3334億美元,摺合成年率為16.63%。我們繼續專注於增長,提供卓越的客户服務,改進我們的數字交付,投資於我們的員工,並實現股東回報最大化。我們感謝我們的客户、股東和同事的持續支持。“第一金融銀行股份有限公司董事長、總裁兼首席執行官F.Scott Dueser説。
2022年第一季度的淨利息收入為9544萬美元,而2021年第一季度為8882萬美元。在應税等值基礎上,2022年第一季度的淨息差為3.22%,而2021年第一季度為3.55%。淨利息收入的增長是由平均可產生利息的資產增加推動的,2022年第一季度增至125億美元,而一年前為105.6億美元,部分被購買力平價貸款發放費下降所抵消,2022年第一季度總計137萬美元,而2021年第一季度為625萬美元。
截至2022年3月31日,PPP貸款餘額總計1574萬美元,而2021年12月31日和2021年3月31日分別為5279萬美元和5.3181億美元,2022年第一季度平均餘額為3346萬美元,而2021年第一季度為4.9935億美元。
該公司在2022年第一季度記錄了478萬美元的信貸損失準備金,而2021年第四季度的信貸損失準備金為206萬美元,2021年第一季度的信貸損失準備金為200萬美元。公司2022年第一季度信貸損失撥備的增加主要是由強勁的有機貸款增長推動的。截至2022年3月31日,信貸損失撥備總額為6691萬美元,佔投資貸款(以下簡稱“貸款”)的1.20%,而2021年3月31日為6297萬美元,佔貸款的1.18%。此外,截至2022年3月31日,無資金承諾準備金總額為747萬美元,而截至2021年3月31日為692萬美元。
2022年第一季度的淨沖銷總額為29.9萬美元,而2021年第一季度的淨沖銷總額為13.1萬美元。截至2022年3月31日,不良資產佔貸款和止贖資產的百分比為0.52%,而2021年3月31日為0.75%。截至2022年3月31日,分類貸款總額為1.5216億美元,而2021年3月31日為1.9042億美元。
2022年第一季度的非利息收入為3488萬美元,而2021年第一季度為3487萬美元,原因如下:
2022年第一季度的非利息支出總額為5923萬美元,而2021年第一季度為5772萬美元,原因如下:
該公司的效率比率在2022年第一季度提高到44.16%,而2021年第一季度為45.36%。
截至2022年3月31日,合併總資產為133.1億美元,而截至2021年3月31日為121億美元。截至2022年3月31日,貸款總額為55.7億美元,而截至2021年3月31日,貸款總額為53.2億美元。2022年第一季度,不包括購買力平價貸款的貸款增長了2.1425億美元,摺合成年率為16.07%。截至2022年3月31日,存款總額為110億美元,而2021年3月31日為94.1億美元,增長16.85%。截至2022年3月31日,股東權益為14.9億美元,而2021年12月31日和2021年3月31日的股東權益分別為17.6億美元和16.7億美元,這是由於最近一個季度利率上調導致其他全面收益(OCI)發生變化的結果。截至2022年3月31日,證券投資組合的未實現虧損總計2.0958億美元,而2021年12月31日和2021年3月31日的未實現收益分別為9925萬美元和1.1701億美元。
第一金融銀行股份有限公司簡介
First Financial BankShares,Inc.總部設在得克薩斯州阿比林,是一家金融控股公司,通過其子公司First Financial Bank,N.A.在得克薩斯州經營多個銀行地區,在德克薩斯州設有78個地點,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、亞瑟港、遊騎兵、新星、羅比、聖安吉洛、南湖、斯蒂芬維爾、斯威特沃特、湯博爾、特倫特、獎盃俱樂部、維多、瓦哈奇、韋瑟福德、威利斯和柳樹公園。該公司還經營着北卡羅來納州第一金融信託和資產管理公司(First Financial Trust&Asset Management Company,N.A.)和第一技術服務公司(First Technology Services,Inc.),後者是一家技術運營公司。
該公司在納斯達克全球精選市場上市,交易代碼為FIN。欲瞭解有關第一金融的更多信息,請訪問我們的網站Https://www.ffin.com.
####
本文中包含的某些陳述可被視為1995年私人證券訴訟改革法中定義的“前瞻性陳述”。這些陳述是基於公司管理層的信念以及在公司管理層目前掌握的信息之外所作的假設,可能但不一定是通過諸如“預期”、“計劃”、“預期”、“目標”、“預測”和“目標”等詞語來確定的。由於此類“前瞻性陳述”受風險和不確定因素的影響,實際結果可能與此類前瞻性陳述所表達或暗示的結果大不相同。可能導致實際結果與公司預期大相徑庭的因素包括:來自其他金融機構和金融控股公司的競爭;貿易、貨幣和財政政策和法律的影響和變化,包括聯邦儲備委員會的利率政策;石油和天然氣價格以及疫情的經濟影響;貸款需求的變化;抵押品和貸款儲備價值的波動;通貨膨脹、利率、市場和貨幣波動;消費者支出、借貸和儲蓄習慣的變化;以及被收購企業的收購和整合,以及類似的變數。其他主要風險在公司提交給美國證券交易委員會的報告中有所描述,這些報告可以在公司網站上的“投資者關係--文件和文件”一節中獲得,也可以通過寫信或致電325.627.7155獲得。除本新聞公告中另有説明外,公司不承擔任何因新信息、未來事件或其他原因而公開更新或修改任何前瞻性陳述的義務。
第一金融銀行股份有限公司
綜合財務摘要(未經審計)
(以千為單位,不包括每股和每股數據)
|
自.起 |
||||||||||||||||||||||||
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|
2022 |
|
|
|
2021 |
|
|
|||||||||||||||||
資產 |
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|
9月30歲, |
|
|
|
六月三十日, |
|
|
|
Mar. 31, |
|
|
|||||
現金和銀行到期款項 |
$ |
|
203,187 |
|
|
$ |
|
205,053 |
|
|
$ |
|
201,901 |
|
|
$ |
|
190,061 |
|
|
$ |
|
190,350 |
|
|
銀行的有息存款 |
|
|
394,566 |
|
|
|
|
323,535 |
|
|
|
|
359,241 |
|
|
|
|
654,531 |
|
|
|
|
893,221 |
|
|
投資證券 |
|
|
6,502,495 |
|
|
|
|
6,573,179 |
|
|
|
|
6,119,984 |
|
|
|
|
5,578,048 |
|
|
|
|
5,109,631 |
|
|
持有用於投資的貸款,不包括購買力平價貸款 |
|
|
5,550,430 |
|
|
|
|
5,336,179 |
|
|
|
|
5,147,160 |
|
|
|
|
4,984,210 |
|
|
|
|
4,790,752 |
|
|
購買力平價貸款 |
|
|
15,739 |
|
|
|
|
52,793 |
|
|
|
|
139,334 |
|
|
|
|
320,392 |
|
|
|
|
531,810 |
|
|
為投資而持有的貸款總額 |
|
|
5,566,169 |
|
|
|
|
5,388,972 |
|
|
|
|
5,286,494 |
|
|
|
|
5,304,602 |
|
|
|
|
5,322,562 |
|
|
貸款損失準備 |
|
|
(66,913 |
) |
|
|
|
(63,465 |
) |
|
|
|
(63,370 |
) |
|
|
|
(62,138 |
) |
|
|
|
(62,974 |
) |
|
為投資而持有的淨貸款 |
|
|
5,499,256 |
|
|
|
|
5,325,507 |
|
|
|
|
5,223,124 |
|
|
|
|
5,242,464 |
|
|
|
|
5,259,588 |
|
|
持有待售貸款 |
|
|
27,670 |
|
|
|
|
37,810 |
|
|
|
|
47,721 |
|
|
|
|
61,802 |
|
|
|
|
65,405 |
|
|
房舍和設備,淨額 |
|
|
150,168 |
|
|
|
|
149,764 |
|
|
|
|
147,516 |
|
|
|
|
147,655 |
|
|
|
|
142,415 |
|
|
商譽 |
|
|
313,481 |
|
|
|
|
313,481 |
|
|
|
|
313,481 |
|
|
|
|
313,481 |
|
|
|
|
313,481 |
|
|
其他無形資產 |
|
|
2,978 |
|
|
|
|
3,298 |
|
|
|
|
3,689 |
|
|
|
|
4,087 |
|
|
|
|
4,499 |
|
|
其他資產 |
|
|
220,399 |
|
|
|
|
170,834 |
|
|
|
|
126,601 |
|
|
|
|
136,954 |
|
|
|
|
124,297 |
|
|
總資產 |
$ |
|
13,314,200 |
|
|
$ |
|
13,102,461 |
|
|
$ |
|
12,543,258 |
|
|
$ |
|
12,329,083 |
|
|
$ |
|
12,102,887 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
負債和股東權益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
無息存款 |
$ |
|
3,978,724 |
|
|
$ |
|
3,780,230 |
|
|
$ |
|
3,574,405 |
|
|
$ |
|
3,427,038 |
|
|
$ |
|
3,350,145 |
|
|
計息存款 |
|
|
7,021,101 |
|
|
|
|
6,786,258 |
|
|
|
|
6,318,712 |
|
|
|
|
6,354,656 |
|
|
|
|
6,063,302 |
|
|
總存款 |
|
|
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 |
|
|
應付交易日 |
|
|
- |
|
|
|
|
- |
|
|
|
|
174,236 |
|
|
|
|
189,838 |
|
|
|
|
381,871 |
|
|
其他負債 |
|
|
67,031 |
|
|
|
|
105,597 |
|
|
|
|
93,491 |
|
|
|
|
87,213 |
|
|
|
|
93,537 |
|
|
股東權益 |
|
|
1,488,749 |
|
|
|
|
1,759,224 |
|
|
|
|
1,733,735 |
|
|
|
|
1,720,369 |
|
|
|
|
1,665,428 |
|
|
總負債和股東權益 |
$ |
|
13,314,200 |
|
|
$ |
|
13,102,461 |
|
|
$ |
|
12,543,258 |
|
|
$ |
|
12,329,083 |
|
|
$ |
|
12,102,887 |
|
|
|
截至的季度 |
||||||||||||||||||||||||
|
|
2022 |
|
|
|
2021 |
|
|
|||||||||||||||||
損益表 |
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|
9月30歲, |
|
|
|
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 |
|
|
淨利息收入 |
|
|
95,439 |
|
|
|
|
94,808 |
|
|
|
|
95,782 |
|
|
|
|
90,949 |
|
|
|
|
88,824 |
|
|
信貸損失準備金 |
|
|
4,782 |
|
|
|
|
2,064 |
|
|
|
|
- |
|
|
|
|
(1,206 |
) |
|
|
|
(1,997 |
) |
|
扣除信貸損失準備後的淨利息收入 |
|
|
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 |
|
|
所得税前淨收益 |
|
|
66,313 |
|
|
|
|
65,975 |
|
|
|
|
70,569 |
|
|
|
|
67,454 |
|
|
|
|
67,972 |
|
|
所得税費用 |
|
|
10,341 |
|
|
|
|
10,638 |
|
|
|
|
11,641 |
|
|
|
|
11,075 |
|
|
|
|
11,054 |
|
|
淨收入 |
$ |
|
55,972 |
|
|
$ |
|
55,337 |
|
|
$ |
|
58,928 |
|
|
$ |
|
56,379 |
|
|
$ |
|
56,918 |
|
|
每普通股數據 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
淨收入--基本收入 |
$ |
|
0.39 |
|
|
$ |
|
0.39 |
|
|
$ |
|
0.41 |
|
|
$ |
|
0.40 |
|
|
$ |
|
0.40 |
|
|
淨收益--攤薄 |
|
|
0.39 |
|
|
|
|
0.39 |
|
|
|
|
0.41 |
|
|
|
|
0.39 |
|
|
|
|
0.40 |
|
|
宣佈的現金股利 |
|
|
0.15 |
|
|
|
|
0.15 |
|
|
|
|
0.15 |
|
|
|
|
0.15 |
|
|
|
|
0.13 |
|
|
賬面價值 |
|
|
10.43 |
|
|
|
|
12.34 |
|
|
|
|
12.17 |
|
|
|
|
12.08 |
|
|
|
|
11.70 |
|
|
有形賬面價值 |
|
|
8.21 |
|
|
|
|
10.12 |
|
|
|
|
9.94 |
|
|
|
|
9.85 |
|
|
|
|
9.47 |
|
|
市場價值 |
|
|
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--稀釋後 |
|
|
143,302,063 |
|
|
|
|
143,251,521 |
|
|
|
|
143,218,920 |
|
|
|
|
143,164,611 |
|
|
|
|
143,002,658 |
|
|
績效比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
平均資產回報率 |
|
|
1.71 |
|
% |
|
|
1.74 |
|
% |
|
|
1.90 |
|
% |
|
|
1.89 |
|
% |
|
|
2.05 |
|
% |
平均股本回報率 |
|
|
13.53 |
|
|
|
|
12.63 |
|
|
|
|
13.43 |
|
|
|
|
13.38 |
|
|
|
|
13.83 |
|
|
平均有形權益回報率 |
|
|
16.68 |
|
|
|
|
15.45 |
|
|
|
|
16.43 |
|
|
|
|
16.48 |
|
|
|
|
17.09 |
|
|
淨息差(税額等值) |
|
|
3.22 |
|
|
|
|
3.29 |
|
|
|
|
3.41 |
|
|
|
|
3.36 |
|
|
|
|
3.55 |
|
|
效率比 |
|
|
44.16 |
|
|
|
|
46.18 |
|
|
|
|
45.88 |
|
|
|
|
45.94 |
|
|
|
|
45.36 |
|
|
第一金融銀行股份有限公司
選定的財務數據(未經審計)
(單位:千)
|
截至的季度 |
||||||||||||||||||||||||
|
|
2022 |
|
|
|
2021 |
|
|
|||||||||||||||||
貸款損失準備 |
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|
9月30歲, |
|
|
|
六月三十日, |
|
|
|
Mar. 31, |
|
|
|||||
期初餘額 |
$ |
|
63,465 |
|
|
$ |
|
63,370 |
|
|
$ |
|
62,138 |
|
|
$ |
|
62,974 |
|
|
$ |
|
66,534 |
|
|
貸款被註銷 |
|
|
(659 |
) |
|
|
|
(3,067 |
) |
|
|
|
(1,475 |
) |
|
|
|
(392 |
) |
|
|
|
(574 |
) |
|
貸款回收 |
|
|
360 |
|
|
|
|
783 |
|
|
|
|
2,707 |
|
|
|
|
595 |
|
|
|
|
443 |
|
|
淨回收(沖銷) |
|
|
(299 |
) |
|
|
|
(2,284 |
) |
|
|
|
1,232 |
|
|
|
|
203 |
|
|
|
|
(131 |
) |
|
貸款損失準備金 |
|
|
3,747 |
|
|
|
|
2,379 |
|
|
|
|
- |
|
|
|
|
(1,039 |
) |
|
|
|
(3,429 |
) |
|
期末餘額 |
$ |
|
66,913 |
|
|
$ |
|
63,465 |
|
|
$ |
|
63,370 |
|
|
$ |
|
62,138 |
|
|
$ |
|
62,974 |
|
|
對未籌措資金的承付款項的撥備 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
期初餘額 |
$ |
|
6,436 |
|
|
$ |
|
6,751 |
|
|
$ |
|
6,751 |
|
|
$ |
|
6,918 |
|
|
$ |
|
5,486 |
|
|
為未籌措資金的承付款項編列的準備金 |
|
|
1,035 |
|
|
|
|
(315 |
) |
|
|
|
- |
|
|
|
|
(167 |
) |
|
|
|
1,432 |
|
|
期末餘額 |
$ |
|
7,471 |
|
|
$ |
|
6,436 |
|
|
$ |
|
6,751 |
|
|
$ |
|
6,751 |
|
|
$ |
|
6,918 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
貸款損失準備/ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
投資持有的期末貸款 |
|
|
1.20 |
|
% |
|
|
1.18 |
|
% |
|
|
1.20 |
|
% |
|
|
1.17 |
|
% |
|
|
1.18 |
|
% |
貸款損失準備/ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
不良貸款 |
|
|
232.71 |
|
|
|
|
200.33 |
|
|
|
|
250.92 |
|
|
|
|
208.45 |
|
|
|
|
160.00 |
|
|
淨沖銷(收回)/平均貸款總額 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
(按年計算) |
|
|
0.02 |
|
|
|
|
0.17 |
|
|
|
|
(0.09 |
) |
|
|
|
(0.02 |
) |
|
|
|
0.01 |
|
|
|
截至的季度 |
||||||||||||||||||||||||
|
|
2022 |
|
|
|
2021 |
|
|
|||||||||||||||||
為投資而持有的貸款的構成 |
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|
9月30歲, |
|
|
|
六月三十日, |
|
|
|
Mar. 31, |
|
|
|||||
商業廣告: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
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 |
|
|
商業總金額 |
|
|
1,029,848 |
|
|
|
|
1,014,980 |
|
|
|
|
985,444 |
|
|
|
|
1,162,459 |
|
|
|
|
1,355,075 |
|
|
農業 |
|
|
82,883 |
|
|
|
|
98,089 |
|
|
|
|
98,947 |
|
|
|
|
95,212 |
|
|
|
|
90,366 |
|
|
房地產: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
建設與發展 |
|
|
806,211 |
|
|
|
|
749,793 |
|
|
|
|
656,530 |
|
|
|
|
550,928 |
|
|
|
|
587,928 |
|
|
農場 |
|
|
225,942 |
|
|
|
|
217,220 |
|
|
|
|
203,064 |
|
|
|
|
185,288 |
|
|
|
|
162,046 |
|
|
非擁有者佔用的CRE |
|
|
636,160 |
|
|
|
|
623,434 |
|
|
|
|
674,958 |
|
|
|
|
673,608 |
|
|
|
|
650,144 |
|
|
所有者佔用的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 |
|
|
總房地產 |
|
|
3,901,656 |
|
|
|
|
3,746,519 |
|
|
|
|
3,687,581 |
|
|
|
|
3,558,353 |
|
|
|
|
3,414,751 |
|
|
消費者: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
自動 |
|
|
419,818 |
|
|
|
|
405,416 |
|
|
|
|
394,072 |
|
|
|
|
383,764 |
|
|
|
|
370,027 |
|
|
非自動 |
|
|
131,964 |
|
|
|
|
123,968 |
|
|
|
|
120,450 |
|
|
|
|
104,814 |
|
|
|
|
92,343 |
|
|
總消費額 |
|
|
551,782 |
|
|
|
|
529,384 |
|
|
|
|
514,522 |
|
|
|
|
488,578 |
|
|
|
|
462,370 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
持有用於投資的貸款總額 |
$ |
|
5,566,169 |
|
|
$ |
|
5,388,972 |
|
|
$ |
|
5,286,494 |
|
|
$ |
|
5,304,602 |
|
|
$ |
|
5,322,562 |
|
|
貸款分類摘要 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
特別提及 |
$ |
|
47,445 |
|
|
$ |
|
55,670 |
|
|
$ |
|
53,620 |
|
|
$ |
|
54,497 |
|
|
$ |
|
61,866 |
|
|
不合標準 |
|
|
104,715 |
|
|
|
|
105,515 |
|
|
|
|
112,151 |
|
|
|
|
120,497 |
|
|
|
|
128,550 |
|
|
疑團 |
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
分類貸款總額 |
$ |
|
152,160 |
|
|
$ |
|
161,185 |
|
|
$ |
|
165,771 |
|
|
$ |
|
174,994 |
|
|
$ |
|
190,416 |
|
|
不良資產 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
非權責發生制貸款 |
$ |
|
28,723 |
|
|
$ |
|
31,652 |
|
|
$ |
|
25,210 |
|
|
$ |
|
29,786 |
|
|
$ |
|
39,333 |
|
|
應計問題債務重組貸款 |
|
|
20 |
|
|
|
|
21 |
|
|
|
|
22 |
|
|
|
|
23 |
|
|
|
|
23 |
|
|
應計逾期90天的貸款 |
|
|
11 |
|
|
|
|
8 |
|
|
|
|
23 |
|
|
|
|
- |
|
|
|
|
2 |
|
|
不良貸款總額 |
|
|
28,754 |
|
|
|
|
31,681 |
|
|
|
|
25,255 |
|
|
|
|
29,809 |
|
|
|
|
39,358 |
|
|
止贖資產 |
|
|
- |
|
|
|
|
2,477 |
|
|
|
|
28 |
|
|
|
|
305 |
|
|
|
|
300 |
|
|
不良資產總額 |
$ |
|
28,754 |
|
|
$ |
|
34,158 |
|
|
$ |
|
25,283 |
|
|
$ |
|
30,114 |
|
|
$ |
|
39,658 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
作為持有的投資貸款和止贖資產的百分比 |
|
|
0.52 |
|
% |
|
|
0.63 |
|
% |
|
|
0.48 |
|
% |
|
|
0.57 |
|
% |
|
|
0.75 |
|
% |
佔期末總資產的百分比 |
|
|
0.22 |
|
|
|
|
0.26 |
|
|
|
|
0.20 |
|
|
|
|
0.24 |
|
|
|
|
0.33 |
|
|
第一金融銀行股份有限公司
選定的財務數據(未經審計)
(單位:千)
|
截至的季度 |
||||||||||||||||||||||||
|
|
2022 |
|
|
|
2021 |
|
|
|||||||||||||||||
資本比率 |
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|
9月30歲, |
|
|
|
六月三十日, |
|
|
|
Mar. 31, |
|
|
|||||
普通股一級資本比率 |
|
|
19.00 |
|
% |
|
|
19.35 |
|
% |
|
|
19.71 |
|
% |
|
|
20.04 |
|
% |
|
|
20.32 |
|
% |
一級資本充足率 |
|
|
19.00 |
|
|
|
|
19.35 |
|
|
|
|
19.71 |
|
|
|
|
20.04 |
|
|
|
|
20.32 |
|
|
總資本比率 |
|
|
20.01 |
|
|
|
|
20.34 |
|
|
|
|
20.76 |
|
|
|
|
21.12 |
|
|
|
|
21.47 |
|
|
第1級槓桿率 |
|
|
10.78 |
|
|
|
|
11.13 |
|
|
|
|
11.19 |
|
|
|
|
11.10 |
|
|
|
|
11.55 |
|
|
有形普通股權益比率 |
|
|
10.52 |
|
|
|
|
11.55 |
|
|
|
|
11.90 |
|
|
|
|
11.75 |
|
|
|
|
12.35 |
|
|
權益/資產比率 |
|
|
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歲, |
|
|
|
六月三十日, |
|
|
|
Mar. 31, |
|
|
|||||
信託費 |
$ |
|
9,817 |
|
|
$ |
|
9,670 |
|
|
$ |
|
9,484 |
|
|
$ |
|
8,692 |
|
|
$ |
|
8,299 |
|
|
押金手續費 |
|
|
5,706 |
|
|
|
|
5,762 |
|
|
|
|
5,673 |
|
|
|
|
4,928 |
|
|
|
|
4,793 |
|
|
自動櫃員機、交換費和信用卡手續費 |
|
|
9,528 |
|
|
|
|
9,955 |
|
|
|
|
9,793 |
|
|
|
|
9,853 |
|
|
|
|
8,677 |
|
|
售賣收益及按揭貸款費用 |
|
|
6,333 |
|
|
|
|
6,272 |
|
|
|
|
8,788 |
|
|
|
|
8,291 |
|
|
|
|
9,894 |
|
|
出售可供出售證券的淨收益 |
|
|
31 |
|
|
|
|
1 |
|
|
|
|
1 |
|
|
|
|
5 |
|
|
|
|
808 |
|
|
出售喪失抵押品贖回權資產的淨收益 |
|
|
1,084 |
|
|
|
|
107 |
|
|
|
|
27 |
|
|
|
|
1 |
|
|
|
|
55 |
|
|
出售資產的淨收益(虧損) |
|
|
(10 |
) |
|
|
|
(3 |
) |
|
|
|
(6 |
) |
|
|
|
74 |
|
|
|
|
145 |
|
|
收回貸款的利息 |
|
|
283 |
|
|
|
|
1,207 |
|
|
|
|
1,746 |
|
|
|
|
704 |
|
|
|
|
382 |
|
|
其他非利息收入 |
|
|
2,109 |
|
|
|
|
1,932 |
|
|
|
|
2,220 |
|
|
|
|
2,125 |
|
|
|
|
1,821 |
|
|
非利息收入總額 |
$ |
|
34,881 |
|
|
$ |
|
34,903 |
|
|
$ |
|
37,726 |
|
|
$ |
|
34,673 |
|
|
$ |
|
34,874 |
|
|
非利息支出 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
工資、佣金和員工福利,不包括利潤分享 |
$ |
|
32,540 |
|
|
$ |
|
31,876 |
|
|
$ |
|
34,460 |
|
|
$ |
|
32,936 |
|
|
$ |
|
32,636 |
|
|
利潤分成費用 |
|
|
1,598 |
|
|
|
|
3,099 |
|
|
|
|
2,630 |
|
|
|
|
2,110 |
|
|
|
|
2,295 |
|
|
入住費淨額 |
|
|
3,225 |
|
|
|
|
3,333 |
|
|
|
|
3,288 |
|
|
|
|
3,241 |
|
|
|
|
3,147 |
|
|
設備費用 |
|
|
2,257 |
|
|
|
|
2,382 |
|
|
|
|
2,450 |
|
|
|
|
2,177 |
|
|
|
|
2,164 |
|
|
FDIC保險費 |
|
|
869 |
|
|
|
|
848 |
|
|
|
|
815 |
|
|
|
|
766 |
|
|
|
|
701 |
|
|
自動櫃員機、轉賬和信用卡費用 |
|
|
2,968 |
|
|
|
|
3,227 |
|
|
|
|
2,935 |
|
|
|
|
3,039 |
|
|
|
|
2,772 |
|
|
律師費、税費和律師費 |
|
|
2,957 |
|
|
|
|
2,835 |
|
|
|
|
2,893 |
|
|
|
|
3,352 |
|
|
|
|
2,726 |
|
|
審計費 |
|
|
451 |
|
|
|
|
423 |
|
|
|
|
466 |
|
|
|
|
430 |
|
|
|
|
440 |
|
|
印刷、文具和用品 |
|
|
540 |
|
|
|
|
664 |
|
|
|
|
432 |
|
|
|
|
489 |
|
|
|
|
325 |
|
|
無形資產攤銷 |
|
|
320 |
|
|
|
|
391 |
|
|
|
|
398 |
|
|
|
|
412 |
|
|
|
|
412 |
|
|
廣告和公共關係 |
|
|
1,493 |
|
|
|
|
1,842 |
|
|
|
|
1,746 |
|
|
|
|
1,392 |
|
|
|
|
1,388 |
|
|
運營虧損和其他虧損 |
|
|
596 |
|
|
|
|
1,385 |
|
|
|
|
1,087 |
|
|
|
|
534 |
|
|
|
|
287 |
|
|
軟件攤銷和費用 |
|
|
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 |
|
|
總非利息支出 |
$ |
|
59,225 |
|
|
$ |
|
61,672 |
|
|
$ |
|
62,939 |
|
|
$ |
|
59,374 |
|
|
$ |
|
57,723 |
|
|
税額當量收益率調整 |
$ |
|
3,782 |
|
|
$ |
|
3,841 |
|
|
$ |
|
3,670 |
|
|
$ |
|
3,633 |
|
|
$ |
|
3,547 |
|
|
第一金融銀行股份有限公司
選定的財務數據(未經審計)
(單位:千)
|
截至三個月 |
|
|
|
截至三個月 |
||||||||||||||||||||||||||||
|
Mar. 31, 2022 |
|
|
|
Dec. 31, 2021 |
||||||||||||||||||||||||||||
|
|
平均值 |
|
|
|
税額當量 |
|
|
|
收益率/ |
|
|
|
|
|
|
平均值 |
|
|
|
税額當量 |
|
|
|
收益率/ |
|
|
||||||
|
|
天平 |
|
|
|
利息 |
|
|
|
費率 |
|
|
|
|
|
|
天平 |
|
|
|
利息 |
|
|
|
費率 |
|
|
||||||
生息資產: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
出售的聯邦基金 |
$ |
|
1,015 |
|
|
$ |
|
1 |
|
|
|
|
0.52 |
|
% |
|
|
|
$ |
|
82 |
|
|
$ |
|
- |
|
|
|
|
0.48 |
|
% |
非關聯銀行的生息存款 |
|
|
171,970 |
|
|
|
|
94 |
|
|
|
|
0.22 |
|
|
|
|
|
|
|
320,102 |
|
|
|
|
124 |
|
|
|
|
0.15 |
|
|
應税證券 |
|
|
4,231,949 |
|
|
|
|
17,823 |
|
|
|
|
1.68 |
|
|
|
|
|
|
|
3,590,137 |
|
|
|
|
13,556 |
|
|
|
|
1.51 |
|
|
免税證券 |
|
|
2,612,025 |
|
|
|
|
18,107 |
|
|
|
|
2.77 |
|
|
|
|
|
|
|
2,636,360 |
|
|
|
|
18,163 |
|
|
|
|
2.76 |
|
|
貸款 |
|
|
5,487,538 |
|
|
|
|
64,766 |
|
|
|
|
4.79 |
|
|
|
|
|
|
|
5,347,069 |
|
|
|
|
67,993 |
|
|
|
|
5.04 |
|
|
生息資產總額 |
|
|
12,504,497 |
|
|
$ |
|
100,791 |
|
|
|
|
3.27 |
|
% |
|
|
|
|
|
11,893,750 |
|
|
$ |
|
99,836 |
|
|
|
|
3.33 |
|
% |
非息資產 |
|
|
744,810 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
726,932 |
|
|
|
|
|
|
|
|
|
|
||||
總資產 |
$ |
|
13,249,307 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
12,620,682 |
|
|
|
|
|
|
|
|
|
|
||||
計息負債: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
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 |
|
|
計息負債總額 |
|
|
7,679,373 |
|
|
$ |
|
1,570 |
|
|
|
|
0.08 |
|
% |
|
|
|
|
|
7,039,068 |
|
|
$ |
|
1,187 |
|
|
|
|
0.07 |
|
% |
無息存款 |
|
|
3,827,451 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3,744,848 |
|
|
|
|
|
|
|
|
|
|
||||
其他無息負債 |
|
|
64,999 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
99,091 |
|
|
|
|
|
|
|
|
|
|
||||
股東權益 |
|
|
1,677,484 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1,737,675 |
|
|
|
|
|
|
|
|
|
|
||||
總負債和股東權益 |
$ |
|
13,249,307 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
12,620,682 |
|
|
|
|
|
|
|
|
|
|
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
淨利息收入和利潤率(税額等值) |
|
|
|
|
$ |
|
99,221 |
|
|
|
|
3.22 |
|
% |
|
|
|
|
|
|
|
$ |
|
98,649 |
|
|
|
|
3.29 |
|
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
|
截至三個月 |
|
|
|
截至三個月 |
||||||||||||||||||||||||||||
|
Sept. 30, 2021 |
|
|
|
June 30, 2021 |
||||||||||||||||||||||||||||
|
|
平均值 |
|
|
|
税額當量 |
|
|
|
收益率/ |
|
|
|
|
|
|
平均值 |
|
|
|
税額當量 |
|
|
|
收益率/ |
|
|
||||||
|
|
天平 |
|
|
|
利息 |
|
|
|
費率 |
|
|
|
|
|
|
天平 |
|
|
|
利息 |
|
|
|
費率 |
|
|
||||||
生息資產: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
出售的聯邦基金 |
$ |
|
1,554 |
|
|
$ |
|
2 |
|
|
|
|
0.51 |
|
% |
|
|
|
$ |
|
3,049 |
|
|
$ |
|
4 |
|
|
|
|
0.54 |
|
% |
非關聯銀行的生息存款 |
|
|
612,551 |
|
|
|
|
236 |
|
|
|
|
0.15 |
|
|
|
|
|
|
|
796,835 |
|
|
|
|
211 |
|
|
|
|
0.11 |
|
|
應税證券 |
|
|
3,081,215 |
|
|
|
|
12,122 |
|
|
|
|
1.57 |
|
|
|
|
|
|
|
2,656,211 |
|
|
|
|
11,449 |
|
|
|
|
1.72 |
|
|
免税證券 |
|
|
2,542,606 |
|
|
|
|
17,701 |
|
|
|
|
2.78 |
|
|
|
|
|
|
|
2,461,924 |
|
|
|
|
17,410 |
|
|
|
|
2.83 |
|
|
貸款 |
|
|
5,337,807 |
|
|
|
|
70,807 |
|
|
|
|
5.26 |
|
|
|
|
|
|
|
5,383,781 |
|
|
|
|
67,161 |
|
|
|
|
5.00 |
|
|
生息資產總額 |
|
|
11,575,733 |
|
|
$ |
|
100,868 |
|
|
|
|
3.46 |
|
% |
|
|
|
|
|
11,301,800 |
|
|
$ |
|
96,235 |
|
|
|
|
3.42 |
|
% |
非息資產 |
|
|
705,099 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
692,282 |
|
|
|
|
|
|
|
|
|
|
||||
總資產 |
$ |
|
12,280,832 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
11,994,082 |
|
|
|
|
|
|
|
|
|
|
||||
計息負債: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
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 |
|
|
計息負債總額 |
|
|
6,946,201 |
|
|
$ |
|
1,416 |
|
|
|
|
0.08 |
|
% |
|
|
|
|
|
6,757,660 |
|
|
$ |
|
1,653 |
|
|
|
|
0.10 |
|
% |
無息存款 |
|
|
3,490,685 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3,439,683 |
|
|
|
|
|
|
|
|
|
|
||||
其他無息負債 |
|
|
103,446 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
106,994 |
|
|
|
|
|
|
|
|
|
|
||||
股東權益 |
|
|
1,740,500 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1,689,745 |
|
|
|
|
|
|
|
|
|
|
||||
總負債和股東權益 |
$ |
|
12,280,832 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
11,994,082 |
|
|
|
|
|
|
|
|
|
|
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
淨利息收入和利潤率(税額等值) |
|
|
|
|
$ |
|
99,452 |
|
|
|
|
3.41 |
|
% |
|
|
|
|
|
|
|
$ |
|
94,582 |
|
|
|
|
3.36 |
|
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
|
截至三個月 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||||
|
Mar. 31, 2021 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||||
|
|
平均值 |
|
|
|
税額當量 |
|
|
|
收益率/ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
|
|
天平 |
|
|
|
利息 |
|
|
|
費率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
生息資產: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
出售的聯邦基金 |
$ |
|
1,942 |
|
|
$ |
|
3 |
|
|
|
|
0.58 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
非關聯銀行的生息存款 |
|
|
637,129 |
|
|
|
|
159 |
|
|
|
|
0.10 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
應税證券 |
|
|
2,251,419 |
|
|
|
|
10,264 |
|
|
|
|
1.82 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
免税證券 |
|
|
2,368,615 |
|
|
|
|
16,979 |
|
|
|
|
2.87 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
貸款 |
|
|
5,296,149 |
|
|
|
|
66,753 |
|
|
|
|
5.11 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
生息資產總額 |
|
|
10,555,254 |
|
|
$ |
|
94,158 |
|
|
|
|
3.62 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
非息資產 |
|
|
700,550 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
總資產 |
$ |
|
11,255,804 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
計息負債: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
存款 |
$ |
|
5,916,237 |
|
|
$ |
|
1,696 |
|
|
|
|
0.12 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
借款 |
|
|
456,620 |
|
|
|
|
91 |
|
|
|
|
0.08 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
計息負債總額 |
|
|
6,372,857 |
|
|
$ |
|
1,787 |
|
|
|
|
0.11 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
無息存款 |
|
|
3,114,656 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
其他無息負債 |
|
|
99,581 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
股東權益 |
|
|
1,668,710 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
總負債和股東權益 |
$ |
|
11,255,804 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
淨利息收入和利潤率(税額等值) |
|
|
|
|
$ |
|
92,371 |
|
|
|
|
3.55 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|