|
Florida
(州或其他管轄範圍 成立公司或組織) |
| |
6022
(主要標準工業 分類代碼號) |
| |
59-2260678
(I.R.S. Employer Identification No.) |
|
|
Randolph A. Moore III
Alston & Bird LLP One Atlantic Center 1201 W. Peachtree Street Atlanta, Georgia 30309 Telephone: (404) 881-7000 |
| |
Eduardo J. Arriola
Apollo Bancshares, Inc. 1150 South Miami Ave. Miami, Florida 33130 Telephone: (305) 398-9000 |
| |
Lowell W. Harrison
費尼莫爾·凱·哈里森律師事務所 812 San Antonio Street, Suite 600 Austin, Texas 78701 Telephone: (512) 583-5900 |
|
|
Large accelerated filer
|
| |
Accelerated filer
☐
|
|
|
Non-accelerated filer
☐
|
| |
較小的報告公司
☐
|
|
| | | |
Emerging growth company
☐
|
|
| | | | 董事會命令, | |
| | | |
Eduardo J. Arriola
董事長兼首席執行官 |
|
|
Miami, Florida
[ ], 2022 |
| | | |
| | | | 董事會命令, | |
| | | |
Eduardo J. Arriola
董事長兼首席執行官 |
|
|
Miami, Florida
[ ], 2022 |
| | | |
| | |
Page
|
| |||
有關合並和阿波羅特別會議提案的問答
|
| | | | 1 | | |
關於銀行合併的問答和對
的建議
阿波羅銀行特別會議 |
| | | | 7 | | |
SUMMARY
|
| | | | 11 | | |
有關海岸銀行、瑞士央行、阿波羅和阿波羅銀行的信息
|
| | | | 11 | | |
Recent Developments
|
| | | | 12 | | |
Regulatory Approvals
|
| | | | 12 | | |
The Merger and Bank Merger
|
| | | | 12 | | |
合併和銀行合併的結束和生效時間
|
| | | | 13 | | |
Merger Consideration
|
| | | | 13 | | |
等值阿波羅普通股每股價值
|
| | | | 14 | | |
等值阿波羅銀行每股普通股價值
|
| | | | 14 | | |
將阿波羅普通股和阿波羅銀行普通股轉換為合併對價的程序
|
| | | | 15 | | |
合併和銀行合併對美國聯邦所得税的重大影響
|
| | | | 15 | | |
Apollo Appraisal Rights
|
| | | | 15 | | |
阿波羅銀行評估權
|
| | | | 15 | | |
阿波羅和阿波羅銀行財務顧問意見
|
| | | | 16 | | |
阿波羅董事會推薦
|
| | | | 16 | | |
阿波羅銀行董事會推薦
|
| | | | 17 | | |
阿波羅董事和高管在合併中的利益
|
| | | | 17 | | |
阿波羅公平獎的待遇
|
| | | | 17 | | |
完成合並的條件
|
| | | | 18 | | |
完成銀行合併的條件
|
| | | | 19 | | |
Third Party Proposals
|
| | | | 19 | | |
Termination
|
| | | | 19 | | |
Termination Fee
|
| | | | 20 | | |
NASDAQ Listing
|
| | | | 21 | | |
Apollo Special Meeting
|
| | | | 21 | | |
需要阿波羅股東投票
|
| | | | 21 | | |
阿波羅銀行特別會議
|
| | | | 21 | | |
要求阿波羅銀行股東投票
|
| | | | 22 | | |
No Restriction on Resale
|
| | | | 22 | | |
市場價格和股利信息
|
| | | | 22 | | |
股東權利對比表
|
| | | | 23 | | |
Risk Factors
|
| | | | 23 | | |
RISK FACTORS
|
| | | | 25 | | |
有關前瞻性陳述的警示聲明
|
| | | | 32 | | |
沿海精選歷史合併財務數據
|
| | | | 34 | | |
市場價格和股息信息
|
| | | | 35 | | |
關於阿波羅特別會議的信息
|
| | | | 37 | | |
| | |
Page
|
| |||
Time, Date, and Place
|
| | | | 37 | | |
會議將審議的事項
|
| | | | 37 | | |
阿波羅董事會推薦
|
| | | | 37 | | |
Record Date and Quorum
|
| | | | 37 | | |
Required Vote
|
| | | | 38 | | |
How to Vote — Shareholders of Record
|
| | | | 38 | | |
Revocation of Proxies
|
| | | | 39 | | |
受股東支持協議約束的股份;由董事和高管持有的股份
|
| | | | 39 | | |
Solicitation of Proxies
|
| | | | 40 | | |
Attending the Meeting
|
| | | | 40 | | |
問題和其他信息
|
| | | | 40 | | |
阿波羅銀行特別會議信息
|
| | | | 41 | | |
Time, Date, and Place
|
| | | | 41 | | |
將在阿波羅銀行特別會議上審議的事項
|
| | | | 41 | | |
Record Date; Quorum
|
| | | | 41 | | |
需要阿波羅銀行股東投票;阿波羅銀行股東支持協議
|
| | | | 42 | | |
How to Vote — Shareholders of Record
|
| | | | 43 | | |
Revocation of Proxies
|
| | | | 43 | | |
阿波羅銀行董事會推薦
|
| | | | 43 | | |
Solicitation of Proxies
|
| | | | 44 | | |
出席阿波羅銀行特別會議
|
| | | | 44 | | |
問題和其他信息
|
| | | | 44 | | |
APOLLO PROPOSAL 1: THE MERGER
|
| | | | 45 | | |
阿波羅銀行提案1:銀行合併
|
| | | | 45 | | |
Background of the Merger
|
| | | | 45 | | |
阿波羅公司合併的原因和阿波羅公司董事會的建議
|
| | | | 46 | | |
阿波羅銀行合併的原因
|
| | | | 48 | | |
海岸航空公司合併的原因
|
| | | | 49 | | |
阿波羅和阿波羅銀行財務顧問意見
|
| | | | 49 | | |
合併對美國聯邦所得税的重大影響
|
| | | | 62 | | |
Accounting Treatment
|
| | | | 65 | | |
Regulatory Approvals
|
| | | | 65 | | |
阿波羅股東的評估權
|
| | | | 66 | | |
阿波羅銀行股東的持不同政見者權利
|
| | | | 69 | | |
海岸銀行和瑞士央行合併後的董事會和管理層
|
| | | | 70 | | |
阿波羅董事和高管在合併中的利益
|
| | | | 70 | | |
PROPOSAL 2: ARRIOLA 280G PROPOSAL
|
| | | | 73 | | |
PROPOSAL 3: RODRIGUEZ 280G PROPOSAL
|
| | | | 73 | | |
Golden Parachute Rules
|
| | | | 73 | | |
私有公司的股東投票例外情況
|
| | | | 73 | | |
Valuation of the Payments
|
| | | | 73 | | |
| | |
Page
|
| |||
Effect of Shareholder Vote
|
| | | | 74 | | |
付款説明
|
| | | | 74 | | |
請求股東批准
|
| | | | 76 | | |
提案4:阿波羅特別會議休會
|
| | | | 78 | | |
合併協議和銀行合併協議
|
| | | | 79 | | |
The Merger and the Bank Merger
|
| | | | 79 | | |
合併的完成時間和生效時間
|
| | | | 80 | | |
Merger Consideration
|
| | | | 80 | | |
阿波羅公平獎的待遇
|
| | | | 81 | | |
Exchange Procedures
|
| | | | 82 | | |
尚存控股公司和尚存銀行的組織文件;董事和高級管理人員
|
| | | | 82 | | |
待合併的業務行為
|
| | | | 83 | | |
阿波羅和阿波羅銀行股東批准
|
| | | | 85 | | |
Regulatory Matters
|
| | | | 85 | | |
NASDAQ Listing
|
| | | | 86 | | |
Employee Matters
|
| | | | 86 | | |
賠償和董事及高級職員保險
|
| | | | 87 | | |
Third Party Proposals
|
| | | | 87 | | |
Approval of 280G Payments
|
| | | | 88 | | |
系統集成;操作功能
|
| | | | 89 | | |
阿波羅高級筆記的假設
|
| | | | 89 | | |
Seacoast Advisory Board
|
| | | | 89 | | |
陳述和保修
|
| | | | 89 | | |
完成合並的條件
|
| | | | 91 | | |
完成銀行合併的條件
|
| | | | 92 | | |
Termination
|
| | | | 92 | | |
Termination Fee
|
| | | | 93 | | |
Waiver; Amendment
|
| | | | 94 | | |
Expenses
|
| | | | 94 | | |
股東權利對比表
|
| | | | 95 | | |
阿波羅銀行股份有限公司的業務和阿波羅銀行
|
| | | | 110 | | |
阿波羅管理層和主要股東對阿波羅普通股的實益所有權
|
| | | | 112 | | |
沿海資本存量説明
|
| | | | 114 | | |
EXPERTS
|
| | | | 117 | | |
LEGAL MATTERS
|
| | | | 117 | | |
OTHER MATTERS
|
| | | | 117 | | |
通過引用併入的文檔
|
| | | | 117 | | |
APPENDICES: | | | | | | | |
附錄A - 協議和合並計劃
|
| | | | A-1 | | |
附錄B - 合併和合並協議計劃
|
| | | | B-1 | | |
附錄C - 對Keefe,Bruyette&Wood,Inc.的意見
|
| | | | C-1 | | |
| | |
Page
|
| |||
《佛羅裏達州商業公司法》關於評估權利的附錄D - 條款
|
| | | | D-1 | | |
《美國法典》關於持不同政見者權利的附錄E - 條款
|
| | | | E-1 | | |
附錄F - 阿波羅銀行股份有限公司及其子公司合併財務報表
|
| | | | F-1 | | |
附錄G - 阿波羅銀行股份有限公司及其子公司合併資產負債表
|
| | | | G-1 | | |
Date
|
| |
Seacoast
closing sale price |
| |
Equivalent
Apollo per share value |
| ||||||
March 28, 2022
|
| | | $ | 35.48 | | | | | $ | 36.65 | | |
[ ], 2022
|
| | | $ | | | | | $ | | | |
Date
|
| |
Seacoast
closing sale price |
| |
Equivalent
Apollo Bank per share value |
| ||||||
March 28, 2022
|
| | | $ | 35.48 | | | | | $ | 42.42 | | |
[ ], 2022
|
| | | $ | | | | | $ | | | |
| | |
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 | | |
第三季度(截至2022年8月9日)
|
| | | $ | 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,
|
| ||||||||||||||||||||||||||||||||||||
(金額以千計,每股數據除外)
|
| |
2022
|
| |
2021
|
| |
2021
|
| |
2020
|
| |
2019
|
| |
2018
|
| |
2017
|
| |||||||||||||||||||||
淨利息收入
|
| | | $ | 158,169 | | | | | $ | 132,412 | | | | | $ | 276,025 | | | | | $ | 262,743 | | | | | $ | 243,618 | | | | | $ | 211,515 | | | | | $ | 176,296 | | |
信貸損失準備金
|
| | | | 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 | | |
出售Visa股票的收益
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 15,153 | | |
證券(虧損)/收益,淨額
|
| | | | (752) | | | | | | (169) | | | | | | (578) | | | | | | 1,235 | | | | | | 1,217 | | | | | | (623) | | | | | | 86 | | |
非利息支出
|
| | | | 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 | | |
所得税撥備
|
| | | | 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 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
普通股股東可獲得的淨收入:
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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 | | |
宣佈的現金股利
|
| | | | 0.30 | | | | | | 0.13 | | | | | | 0.39 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
普通股每股賬面價值
|
| | | | 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 | | |
股東權益
|
| | | | 1,329,575 | | | | | | 1,182,347 | | | | | | 1,310,736 | | | | | | 1,130,402 | | | | | | 985,639 | | | | | | 864,267 | | | | | | 689,664 | | |
Performance ratios: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
平均資產回報率
|
| | | | 1.00% | | | | | | 1.50% | | | | | | 1.33% | | | | | | 0.99% | | | | | | 1.45% | | | | | | 1.11% | | | | | | 0.82% | | |
平均股本回報率
|
| | | | 7.82% | | | | | | 11.39% | | | | | | 10.24% | | | | | | 7.44% | | | | | | 10.63% | | | | | | 9.08% | | | | | | 7.51% | | |
平均權益與平均資產之比
|
| | | | 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 | | |
第三季度(截至2022年8月9日)
|
| | | $ | 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核心税前平均資產撥備回報率(2)
|
| | | | 1.12%(5) | | | | | | 1.13% | | | | | | 1.19% | | | | | | 0.84% | | | | | | 1.44% | | |
MRQ核心平均資產回報率(3)
|
| | | | 0.74%(5) | | | | | | 0.94% | | | | | | 0.94% | | | | | | 0.77% | | | | | | 1.09% | | |
MRQ核心平均有形普通股權益回報率(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 |
| |||||||||||||||
有形普通股權益/有形資產
|
| | | | 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% | | |
不良資產/貸款+OREO
|
| | | | 0.59%(5) | | | | | | 0.62% | | | | | | 0.50% | | | | | | 0.76% | | | | | | 0.33% | | |
淨沖銷/平均貸款
|
| | | | 0.00%(6) | | | | | | 0.02% | | | | | | 0.01% | | | | | | 0.06% | | | | | | (0.05)% | | |
| | |
Selected Companies
|
| |||||||||||||||||||||
| | |
Average
|
| |
Median
|
| |
25th
Percentile |
| |
75th
Percentile |
| ||||||||||||
一年股價變動
|
| | | | 11.2% | | | | | | 13.5% | | | | | | 3.0% | | | | | | 19.7% | | |
年初至今股價變動
|
| | | | 1.7% | | | | | | 0.9% | | | | | | (3.7)% | | | | | | 5.9% | | |
每股價格/有形賬面價值
|
| | | | 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核心税前平均資產撥備回報率(1)
|
| | | | 1.68% | | | | | | 1.48% | | | | | | 1.40% | | | | | | 1.20% | | | | | | 1.82% | | |
MRQ核心平均資產回報率(2)
|
| | | | 1.49% | | | | | | 1.21% | | | | | | 1.18% | | | | | | 0.97% | | | | | | 1.52% | | |
MRQ核心平均有形普通股權益回報率(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 |
| ||||||||||||||||||
有形普通股權益/有形資產
|
| | | | 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% | | |
不良資產/貸款+OREO
|
| | | | 0.81% | | | | | | | | | | | | 0.67% | | | | | | 0.69% | | | | | | 0.83% | | | | | | 0.48% | | |
淨沖銷/平均貸款
|
| | | | 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% | | |
三年每股總資產年複合增長率
|
| | | | 13.1% | | | | | | | | | | | | 10.2% | | | | | | 10.4% | | | | | | 8.1% | | | | | | 11.5% | | |
| | | | | | | | | | | | | | |
Selected Companies
|
| |||||||||||||||||||||
| | |
Seacoast
|
| |
Seacoast
Pro Forma(3) |
| |
Average
|
| |
Median
|
| |
25th
Percentile |
| |
75th
Percentile |
| ||||||||||||||||||
一年股價變動
|
| | | | (0.3)% | | | | | | | | | | | | 7.6% | | | | | | (1.2)% | | | | | | (6.9)% | | | | | | 0.2% | | |
年初至今股價變動
|
| | | | 1.7% | | | | | | | | | | | | (3.1)% | | | | | | (4.4)% | | | | | | (6.3)% | | | | | | (0.7)% | | |
每股價格/有形賬面價值
|
| | | | 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 | | |
價格/資本調整後的2022年每股收益估計(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 | | |
價格/資本調整後2023年每股收益估計(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 | | | 第一世紀銀行。 | |
聯合社區銀行股份有限公司 | | | Reliant Bancorp, Inc. | |
密歇根湖信用合作社 | | | Pilot Bancshares, Inc. | |
西蒙斯第一國家公司 | | | 地標社區銀行 | |
西蒙斯第一國家公司 | | | 凱旋銀行股份有限公司 | |
United Bankshares, Inc. | | | 社區銀行家信託公司 | |
First Foundation Inc. | | | TGR Financial, Inc. | |
First Bancorp | | | Select Bancorp, Inc. | |
聯合社區銀行股份有限公司 | | | Aquesta Financial Holdings,Inc. | |
Colony Bankcorp, Inc. | | | Southcrest Financial Group,Inc. | |
VyStar Credit Union | | | 遺產東南銀行股份有限公司 | |
Peoples Bancorp Inc. | | | Premier Financial Bancorp,Inc. | |
佛羅裏達海岸銀行公司 | | | 佛羅裏達遺產銀行 | |
BancorpSouth Bank | | | FNS Bancshares, Inc. | |
藍嶺銀行股份有限公司 | | | 弗吉尼亞州海灣銀行股份有限公司 | |
聯合社區銀行股份有限公司 | | | 三岸銀行股份有限公司 | |
| | | | | | | | |
所選交易記錄
|
| |||||||||||||||||||||
| | |
Seacoast /
Apollo |
| |
75th
Percentile |
| |
Average
|
| |
Median
|
| |
25th
Percentile |
| |||||||||||||||
交易價值/有形賬面價值
|
| | | | 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 | | |
價格/預計收益
|
| | | | 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% | | |
為投資持有的總貸款
|
| | | | 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% | | |
Disqualified Individual
|
| |
Estimated Total Section 280G Value
控制支付變更的 |
| |||
Eduardo Arriola
|
| | | $ | 2,721,607 | | |
Ramon Rodriguez
|
| | | $ | 950,000 | | |
Disqualified Individual
|
| |
Estimated Total Section 280G Value
of the Vesting and Payout of the 補充高管退休計劃 |
| |||
Eduardo Arriola
|
| | | $ | 1,095,969 | | |
Ramon Rodriguez
|
| | | $ | 812,712 | | |
Disqualified Individual
|
| |
Estimated Total Section 280G Value
of the Severance Benefits |
| |||
Eduardo Arriola
|
| | | $ | 325,000 | | |
Disqualified Individual
|
| |
Estimated Total Section 280G Value
of the Seacoast Stock Awards |
| |||
Eduardo Arriola
|
| | | $ | 1,528,393 | | |
被取消資格的個人
|
| |
預計總節數280G值
保證年度獎金的 |
| |||
Eduardo Arriola
|
| | | $ | 165,000 | | |
Disqualified Individual
|
| |
Estimated
Total Section 280G Value of the Payments |
| |
Safe Harbor
Amount |
| |
Estimated Excess
Parachute Payments |
| |
Estimated Value of the Waived
為股東提交的金額 Approval under the 280G Proposal |
| ||||||||||||
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
|
| | 阿波羅股本的持有者有權享有《阿波羅公司章程》和《阿波羅章程》賦予資本股東的所有權利和義務 | | | 持有阿波羅銀行股本的持有者有權享有FFIC和阿波羅銀行的公司章程和章程賦予股東的所有權利和義務。 | | | 海岸公司股本的持有者有權享有根據FBCA和海岸公司的公司章程和附例賦予資本股東的所有權利和義務。 | |
Authorized
|
| | 阿波羅的法定股本包括100,000,000股普通股,每股面值0.01美元,以及50,000,000股優先股,每股面值0.01美元。 | | | 阿波羅銀行的法定股本包括5,000,000股普通股,每股面值5美元。 | | | 海岸銀行的法定股本包括1.2億股普通股,每股面值0.10美元,以及400萬股優先股,聲明價值每股0.10美元(其中2000股被指定為固定利率累積永久優先股,A系列和50,000股被指定為 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | | | | | | | | 可強制轉換的無累積無投票權優先股,B系列)。 | |
Outstanding
|
| | 截至2022年7月31日,已發行的阿波羅普通股為3,766,412股,未發行的優先股為零,已發行的期權為272,601股,認股權證為37,000股,其中所有期權均已完全歸屬。 | | | 截至2022年7月31日,已發行的阿波羅銀行普通股有3967,608股。 | | | 截至2022年7月31日,已發行的海岸公司普通股有61,414,213股,沒有已發行的海岸公司優先股。 | |
Voting Rights
|
| | 每股流通股有權就提交股東大會表決的每一事項投一票。 | | | 每股流通股有權就提交股東大會表決的每一事項投一票。 | | | 海岸普通股的持有者一般有權在董事選舉和股東大會表決的所有事項上享有每股一票的投票權。 | |
Cumulative Voting
|
| | 任何股東在董事選舉中均無累計投票權。 | | | 任何股東在董事選舉中均無累計投票權。 | | | 任何股東在董事選舉中均無累計投票權。 | |
Dividends
|
| |
阿波羅宣佈和分配股息的能力受FBCA和適用於銀行控股公司的法律法規的約束。根據FBCA,公司可以進行分配,除非在分配生效後:
•
公司將無法償還在正常業務過程中到期的債務;或
•
公司的資產將少於其總負債的總和(除非公司章程另有規定),如果公司是
|
| | 阿波羅銀行宣佈和分配股息的能力受FFIC以及適用於銀行的聯邦法律和法規的約束。根據FFIC,銀行可以宣佈和支付不超過適用期間淨利潤和前兩年留存淨利潤總和的股息。在支付股息前兩年以上應計的留存利潤支付股息,需要獲得監管部門的批准。 | | | 海岸普通股持有者須遵守2009年通過的FBCA和美聯儲政策的相同條款。 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | |
在分配時解散,以滿足優先於接受分配的股東解散時的優先權利。
此外,根據美聯儲2009年通過的政策,銀行控股公司應與美聯儲協商,在下列情況下取消、推遲或大幅減少其股息:
•
過去四個季度可供股東使用的淨收入,扣除之前在此期間支付的股息,不足以為股息提供全部資金;
•
其預期收益留存率與其資本需求以及當前和預期的整體財務狀況不一致;或
•
它將無法達到或面臨無法達到其最低監管資本充足率的危險。
|
| | | | | | |
Number of Directors
|
| | 阿波羅的章程規定,阿波羅董事會的董事人數不得少於兩名,也不得超過25名。董事人數可由股東以有表決權的阿波羅已發行和流通股三分之二的贊成票在最低和最高限額內確定或改變。 | | | 阿波羅銀行的公司章程規定,阿波羅銀行董事會的董事人數不得少於五人。阿波羅銀行董事會全體成員可在年度股東大會後的任何時間隨時增加董事人數,但不得超過 | | | [br}海岸公司章程規定,在海岸公司董事會任職的董事人數應由董事會全體成員662%∕3%和留任董事(董事)中(I)在2002年3月1日前首次當選為公司董事或 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | | 董事選舉或董事會以當時在任董事三分之二的贊成票通過。 | | |
兩個以上,並指定人員填補由此產生的空缺。
阿波羅銀行的章程規定,阿波羅銀行董事會的董事人數不得超過25人。
阿波羅銀行董事會目前有13名董事。
|
| |
(Ii)以留任董事的多數票指定為留任董事),但在任何情況下不得少於三名董事或多於十四名董事(不包括將由一個或多個優先股系列的持有人作為一個類別單獨投票選出的董事)。
目前有11名董事在海岸董事會任職。
海岸公司董事會分為三個級別,每一級別的董事會成員交錯任職三年,每年大約有三分之一的董事由選舉產生。因此,持不同政見的股東或股東團體至少需要兩次年度股東大會才能更換海岸銀行的多數董事。每名董事董事的任期與其當選的任期相同,直至其繼任者當選並具備資格為止,但該等董事須死亡、辭職或被免職。
|
|
Election of Directors
|
| | 根據FBCA,除公司章程另有規定外,董事由有權在董事選舉中投票的股份持有人投票選出,在年度會議上有法定人數 | | | 董事由有權在出席法定人數的年度會議的董事選舉中投票的股份持有人以多數票選出。 | | |
海岸公司董事的選舉同樣根據FBCA進行,其公司章程沒有規定選舉董事所需的投票權。
|
|
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | | 出席。阿波羅的公司章程沒有規定選舉董事所需的投票權。 | | | | | | 然而,儘管存在多數票標準,但在無競爭的董事選舉中,我們的公司治理準則規定,如果任何董事被提名人在選舉中獲得的保留票多於支持票,則董事將在股東投票通過後立即向董事會提交辭呈,辭職經董事會接受後生效。然後,薪酬和治理委員會將審查董事會是否應該接受辭職並向董事會提出建議,董事會將最終決定是否接受辭職。 | |
Removal of Directors
|
| |
[br]阿波羅公司章程規定,阿波羅公司股東可在獲得阿波羅公司過半數流通股股東的贊成票後,以正當理由撤換董事,或在阿波羅公司至少三分之二的已發行和流通股股東投贊成票的情況下,無緣無故地將其撤職。
只有在必須發出通知的股東大會上,股東才能解除董事的職務
|
| |
[br]阿波羅銀行的章程規定,如果持有阿波羅多數流通股的股東投贊成票,或持有至少三分之二的阿波羅已發行和流通股的股東投贊成票,阿波羅股東可以無故撤換董事。
只有在必須發出通知的股東大會上,股東才能解除董事的職務
|
| | 《海岸公司章程》規定,只有在(1)有權投票的所有普通股的66 2/3%的股份以及(2)大多數已發行普通股的持有人未直接或間接實益擁有或控制任何人(1)是5%或以上普通股的實益所有人或(2)是海岸公司的關聯公司且在過去五年內的任何時間是5%或5%以上的實益擁有人的情況下,董事才可被免職。 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | |
會議的目的或目的之一是審議和表決移除董事的問題。
董事也可以通過司法程序被免職。
|
| |
會議的目的或目的之一是審議和表決移除董事的問題。
董事也可以通過司法程序被免職。
|
| | (Br)在不少於30天的事先書面通知下,為此目的而召開的正式召開的股東大會上,海岸銀行當時的已發行普通股(“獨立多數股東”)。 | |
董事會空缺
|
| |
阿波羅的章程規定,阿波羅董事會的空缺可以由阿波羅董事會填補,即使不足法定人數。
佛羅裏達州的法律還允許股東填補空缺。
|
| |
阿波羅銀行的章程規定,阿波羅銀行董事會的空缺可以由阿波羅銀行董事會填補。
佛羅裏達州的法律還允許股東填補空缺。
|
| | 海岸公司章程規定,海岸公司董事會的空缺可由(1)662/3%的全體董事和(2)多數留任董事的贊成票填補,即使存在不足法定人數,或如果沒有董事留任,也可以通過不少於662/3%的有權投票的普通股股份和獨立多數股東的贊成票來填補空缺。 | |
Action by Written Consent
|
| | 阿波羅公司的公司章程規定,任何要求或允許在阿波羅股東大會上採取的行動,如果行動是由所有有權在會議上投票的人採取的,可以在沒有會議書面同意的情況下采取。 | | | 阿波羅銀行的章程規定,要求或允許在阿波羅銀行股東大會上採取的任何行動,如果書面同意是由有權在代表股份的會議上投票的人簽署的,則可以在沒有書面同意的情況下采取任何行動,這些人有權在所有有權投票的股份都提交併投票的會議上投不少於授權或採取此類行動所需的最低票數。 | | | 海岸公司的公司章程規定,除非指定任何一系列海岸公司優先股的優先股、限制和相對權利,否則不得以書面同意採取任何行動。要求或允許海岸公司普通股持有人採取的任何行動,必須在該等持有人正式召開的年會或特別會議上進行,不得通過該等持有人的任何書面同意而實施。 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
股東提名和其他提議的提前通知要求
|
| |
任何有權在董事選舉中投票的阿波羅股東都可以推薦候選人作為董事的候選人。股東可以通過向阿波羅祕書提交書面提名來推薦董事提名。
若要考慮,董事候選人的股東提名必須不遲於大會日期前30天送達或郵寄至阿波羅主要執行辦公室,但如果向股東發出或發出的通知少於40天,如果阿波羅在郵寄或公開披露會議通知後10天內收到通知,則董事提名將被視為及時。
|
| | 阿波羅銀行的股東不受股東提名或其他提議的任何提前通知要求。 | | |
任何有權在董事選舉中投票的海岸股東都可以推薦一名董事的候選人。股東可以通過向海岸薪酬和治理委員會提交股東希望推薦的候選人的姓名和資格來推薦董事的被提名人。海岸銀行位於佛羅裏達州海岸銀行,地址:科羅拉多大道815號,郵編:9012,佛羅裏達州斯圖爾特,郵編:34995。
如需考慮,有關在年度股東大會上舉行的董事選舉的建議必須在海岸銀行上次股東周年大會週年日前不少於60天至90天(如果年度會議日期自週年日起更改20天以上,則在海岸銀行將年度會議日期郵寄或以其他方式通知股東的日期後10天內)收到,而有關在為此目的而召開的特別會議上舉行的董事選舉的建議,必須在特別會議通知首次郵寄給股東的日期後第10天內收到。
|
|
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
股東大會通知
|
| | 阿波羅的章程規定,會議的地點、日期和時間的通知,如果是特別會議,召開會議的一個或多個目的應在會議前不少於10天至60天交付,郵寄到最後為人所知的地址或親自發給每位股東。 | | | [br]阿波羅銀行的章程要求,股東大會的通知應在會議日期前不少於10天至60天發出。 | | | 每一次股東大會的通知必須在會議日期前不少於10天,但不超過60天發給每一位有權投票的股東。 | |
Amendments to Charter
|
| |
阿波羅公司章程中與商業交易和選民有關的條款需要獲得阿波羅三分之二的流通股的批准,除非這種變更得到當時在任的三分之二董事的批准。
所有其他條款均可根據《FBCA》進行修改。在符合《公司章程》607.1003節規定的某些要求的情況下,對公司章程的修改必須得到公司董事會和有權投票的公司的大多數流通股持有人的批准,在需要進行分類投票的情況下,還必須得到該類別流通股的大多數持有人的批准。董事會必須向股東建議修改,除非董事會作出決定,因為
|
| |
阿波羅銀行的公司章程可以根據FFIC和FBCA進行修改,但任何此類修改都必須得到佛羅裏達州金融監管辦公室根據佛羅裏達州法規658.23(6)的批准。
在符合《公司章程》607.1003節規定的某些要求的情況下,公司章程的修訂必須得到公司董事會和有權投票的公司的大多數流通股持有人的批准,在需要進行分類投票的情況下,還必須得到該類別流通股的過半數持有人的批准。董事會必須向股東推薦修改意見,除非董事會認為因利益衝突或者其他特殊情況,應當
|
| | 海岸銀行的公司章程細則也有類似的修訂條款,只是(1)獲得所有已發行股份的66 2/3%的贊成票,以及(2)公司章程細則第六條(“董事會”)、第七條(“關於企業合併的規定”)、第九條(“股東提案”)和第十條(“公司章程修正案”)的任何變更將需要獨立多數股東批准。 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | | 在利益衝突或其他特殊情況下,不應提出建議,並將其決定的依據與修訂一起傳達給股東。FBCA還允許董事會在某些特殊情況下無需股東批准即可修改公司章程(例如,更改某一類別或系列股票的面值)。 | | | 不提出任何建議,並將其決定的基礎通過修訂傳達給股東。FBCA還允許董事會在某些特殊情況下無需股東批准即可修改公司章程(例如,更改某一類別或系列股票的面值),但須經佛羅裏達州金融監管辦公室批准。 | | | | |
Amendments to Bylaws
|
| | 《阿波羅章程》可由董事會過半數成員或股東以有權在董事選舉中投票的全部股份的過半數贊成票予以更改或修改。股東可以規定,股東通過的修改不得被董事會撤銷、修改、採納或者變更。 | | | 阿波羅銀行的章程可由董事會多數成員或股東以有權在董事選舉中投票的所有股份的過半數贊成票來更改或修改。股東可以規定,股東通過的修改不得被董事會撤銷、修改、採納或者變更。 | | | (Br)經(1)662/3%的全體董事和(2)多數留任董事的投票,可修改海岸公司的章程。此外,股東還可以(1)有權投票的普通股全部股份的662/3%和(2)獨立多數股東的贊成票對章程進行修訂。 | |
股東特別大會
|
| | 阿波羅公司章程規定,股東特別大會可由阿波羅董事會、阿波羅總裁隨時召開,或在一名或多名持有阿波羅全部已發行股本合計不低於25%的股東的書面要求下召開。 | | | 阿波羅銀行章程規定,股東特別會議可由阿波羅銀行董事會或首席執行官隨時召開,或由董事長或祕書應持有阿波羅銀行全部已發行股本總額不低於10%的一名或多名股東的書面要求隨時召開。 | | | 海岸公司章程規定,除法規規定外,股東特別會議可由董事會主席或執行主席、首席執行官、總裁或董事會召開。該會議的通知必須述明該會議的目的,除該通知所述明的事項外,不得在該會議上處理任何事務。特別會議 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | | | | | | | | 在持有不少於50%投票權的股份持有人的書面要求下,行政總裁可召集不少於50%的股東。 | |
Quorum
|
| | 《阿波羅章程》規定,多數已發行股票構成法定人數;但少數股票可以逐日休會,並應宣佈休會的時間和地點。 | | | 阿波羅銀行的章程規定,股東大會的法定人數為有權投票的股份的多數,無論是親自或委託代表。 | | | 任何股東大會的法定人數為有權投票的股份的多數,無論是親自出席還是由代表出席。 | |
Proxy
|
| | 《阿波羅章程》規定,任何有權在任何股東大會上投票的股東,包括為選舉董事而召開的會議,均有權親自或委託代表投票,但委託書自其日期起計11個月後不得投票,除非委託書規定了更長的期限。 | | | 阿波羅銀行的章程規定,任何有權在任何股東大會上投票的股東,包括為選舉董事而舉行的會議,均有權親自或委託代理人投票,但代理人不得在自其日期起計11個月後投票,除非代理人有更長的期限。 | | | 海岸公司的章程規定,股東、依法有權代表股東投票的人或事實上的代理人,可以親自或委託代理人投票表決股東的股份。股東可親自或由其代理人簽署委任表格,委任一名代表投票或以其他方式代其行事。一份看似由此人發送的經簽署的電報或電報,或一份照相、照片靜態、傳真、電子傳輸(包括.PDF文件)或同等複印件的預約表格即為充分的預約表格。除非委任表中明確規定了更長的期限,否則委派代表的任命在祕書或其他獲授權統計選票的官員收到後生效,有效期最長為11個月。 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | | | | | | | | 委任代表的股東死亡或喪失行為能力並不影響本公司接受該代表的授權的權利,除非祕書或其他獲授權在委託書下行使其權力前將投票列明的人員收到有關該股東死亡或喪失行為能力的通知。如果委託書顯眼地聲明它是不可撤銷的,並且如果且僅當它伴隨着法律上足以支持不可撤銷權力的利益時,委託書應是不可撤銷的。 | |
Preemptive Rights
|
| | 阿波羅的股東沒有優先購買權。 | | | 阿波羅銀行的公司章程為阿波羅銀行的股東提供優先購買權,使股東有權以向公眾提供的認購價按比例購買或認購阿波羅銀行可能發行或出售的任何類別的任何股票。 | | | 海岸銀行的股東沒有優先購買權。 | |
股東權利計劃/股東協議
|
| | 阿波羅沒有股東權利計劃。阿波羅的兩個或兩個以上股東可以訂立協議,規定以協議規定的方式或與法律規定的公司事務的任何階段有關的方式行使投票權。 | | | 阿波羅銀行是由聯合信貸銀行、阿波羅銀行股份有限公司和聯合信貸銀行的某些股東簽訂的、日期為2010年3月12日的特定股東協議的一方。 | | | 海濱沒有權利計劃。海岸公司和海岸公司的股東都不是關於海岸公司股本的股東協議的當事人。 | |
董事和高級管理人員的賠償
|
| | 阿波羅的章程規定,阿波羅應對其現任和前任董事和 | | | 阿波羅銀行的公司章程規定,阿波羅銀行應賠償其目前和 | | | 《海岸公司章程》規定,海岸公司可以對其現任和前任董事、高級管理人員進行賠償。 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | | 這些高級管理人員或董事因是阿波羅公司的高級管理人員或董事公司的高級管理人員而被要求支付與訴訟相關的合理費用、判決和其他金額。 | | |
在FFIC和FBCA允許的範圍內,前官員、董事、員工和代理人因其在阿波羅銀行的職位而與任何訴訟相關的合理費用、判決和其他金額的支付。
阿波羅銀行的公司章程還允許阿波羅銀行賠償其現任和前任高級管理人員、董事、員工和代理人因任何聯邦銀行機構提起的行政訴訟或民事訴訟而支付的合理費用、判決和其他金額。
該條款旨在根據佛羅裏達州和美國的法律提供最大可能的賠償。
|
| | 符合FBCA規定的員工和代理。 | |
某些企業合併限制
|
| | 阿波羅公司章程明確規定,阿波羅公司不受《阿波羅公司章程》中與關聯交易有關的條款607.0901的管轄。 | | | 阿波羅銀行的公司章程不包含任何關於阿波羅銀行與大股東之間的業務合併的條款。 | | | 海岸銀行的公司章程不包含任何關於海岸銀行與大股東之間的業務合併的條款。 | |
基礎業務交易
|
| | 阿波羅公司章程規定,任何合併或換股,或出售、租賃、交換或以其他方式處置阿波羅的全部或幾乎所有資產,必須得到(I)阿波羅三分之二董事的贊成票和 | | | {br]阿波羅銀行的公司章程不包含任何有關基本業務交易的條款。 | | | 海岸公司的公司章程規定,海岸公司需要有權投票批准任何合併、合併、換股或出售、交換、租賃、轉讓、購買和承擔資產和負債的所有普通股股份中662/3%的贊成票。 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | | (Br)阿波羅多數流通股或(Ii)阿波羅過半數董事的贊成票以及至少三分之二的已發行和已發行阿波羅股份的贊成票。 | | | | | | 或承擔公司全部或幾乎所有合併資產或負債的海岸銀行或任何附屬公司的債務,或兩者兼而有之,除非交易以全體董事662/3%的贊成票和留任董事的多數贊成票批准並向股東推薦。 | |
Non-Shareholder
Constituency Provision |
| | 《阿波羅公司章程》規定,在評估另一方對阿波羅任何股權證券提出收購要約或交換要約或(Ii)購買或以其他方式收購阿波羅全部或幾乎所有資產的要約時,董事會除考慮對價的充分性和形式外,還應適當考慮所有相關因素,包括對員工、客户、股東、以及Apollo及其子公司的其他成員以及Apollo和Apollo Bank所在的社區,以及就自由談判交易中Apollo當時的價值提出的對價 | | | 阿波羅銀行的公司章程沒有明確允許董事會在評估某些要約時考慮股東以外的其他羣體的條款。 | | | 海岸公司的公司章程規定,在評估某些要約時,董事會在確定什麼最符合公司及其股東的利益時,除了考慮對價的充分性和形式外,還應考慮交易對海岸公司及其子公司、其員工、儲户、貸款和其他客户、債權人以及海岸公司及其子公司經營或所在社區的社會和經濟影響;收購人的業務和財務狀況以及收益和業務前景,包括但不限於償債和其他現有財務義務、與收購相關的財務義務以及收購人或 可能發生的其他財務義務 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | | 以及董事會當時對阿波羅作為一個獨立實體的未來價值的估計。 | | | | | | 人員,以及此類條件對公司及其子公司以及公司及其子公司運營或所在社區的其他要素的可能影響;提出或做出此類行動的個人及其管理層的能力、經驗和誠信;成功完成業務合併前景的前景;以及海岸作為獨立實體的前景。 | |
Dissenters’ Rights
|
| | 根據FBCA,阿波羅的股東有權享有持不同政見者的權利。根據FBCA,股東一般有權對阿波羅參與的任何合併持異議,如果股東不投票贊成或以其他方式同意合併提議,並在股東投票或同意之日或之前向阿波羅提供必要的通知,表明該股東不同意合併,則股東有權獲得其股票的公允價值 | | | [br]阿波羅銀行股東可以對合並持異議,並按照異議條款,以現金形式獲得該股東持有的阿波羅銀行普通股在合併生效時的評估價值。美國法典第215A節是關於阿波羅銀行股東異議權利的適用條款,根據佛羅裏達州金融機構法典658.41(2)節,該節規定,在佛羅裏達州銀行與國家銀行合併為國家銀行時,聯邦法律(而不是佛羅裏達州法律)將控制股東的權利。根據異議條款,阿波羅銀行的股東可以通過(I)投票反對合並或 | | | 根據《證券交易法》,被指定為國家市場系統證券或由全國證券交易商協會在交易商間報價系統中上市的任何類別或系列股票的持有者不得享有持不同政見者的權利。因此,海岸普通股的持有者無權根據《證券交易法》行使持不同政見者的權利。 | |
| | |
APOLLO
|
| |
APOLLO BANK
|
| |
SEACOAST
|
|
| | | | | | 在年度會議上或之前向阿波羅銀行發出書面通知,表示他或她反對合並;以及(Ii)向瑞士央行提出書面請求,要求獲得該股東持有的阿波羅銀行普通股的價值,該請求必須在合併生效後三十(30)天內提出,並必須附有股東股票證書。 | | | | |
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
|
| | | | 不適用(1) | | | | | | 不適用(1) | | | | | | 不適用(1) | | | | | | 不適用(1) | | |
Hialeah, Florida
|
| | | | 19 | | | | | | 23 | | | | | $ | 17,180,292 | | | | | | 0.31% | | |
Name of Beneficial Owner
|
| |
Number of Shares
Beneficially Owned |
| |
Percentage
Beneficially Owned |
| ||||||
董事和高級職員: | | | | | | | | | | | | | |
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% | | |
董事和高級職員(12人為一組)
|
| | | | 995,545 | | | | | | 24.73% | | |
| | |
Page
|
| |||
Preamble
|
| | | | A-1 | | |
第1條 - 交易和合並條款
|
| | | | 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
阿波羅普通股轉換
|
| | | | A-2 | | |
1.6
SBC Common Stock
|
| | | | A-3 | | |
1.7
Apollo Equity Awards
|
| | | | A-3 | | |
1.8
尚存公司的組織文件;董事和高級管理人員
|
| | | | A-4 | | |
1.9
Tax Consequences
|
| | | | A-4 | | |
文章2 - 交付合並對價
|
| | | | A-4 | | |
2.1
Exchange Procedures
|
| | | | A-4 | | |
2.2
阿波羅前股東的權利
|
| | | | A-5 | | |
2.3
Dissenters’ Rights
|
| | | | A-6 | | |
第3條 - 陳述和保證
|
| | | | A-6 | | |
3.1
公司公開信
|
| | | | A-6 | | |
3.2
Standards
|
| | | | A-6 | | |
3.3
公司的陳述和保修
|
| | | | A-7 | | |
3.4
海濱公司的陳述和保證
|
| | | | A-25 | | |
第四條 - 公約和附加協定
|
| | | | A-29 | | |
4.1
在生效時間之前進行業務
|
| | | | A-29 | | |
4.2
Forbearances
|
| | | | A-29 | | |
4.3
Litigation
|
| | | | A-31 | | |
4.4
State Filings
|
| | | | A-31 | | |
4.5
阿波羅股東批准;註冊聲明和委託書/招股説明書
|
| | | | A-32 | | |
4.6
SBC股本上市
|
| | | | A-33 | | |
4.7
合理的最大努力
|
| | | | A-33 | | |
4.8
申請和同意
|
| | | | A-33 | | |
4.9
某些事項的通知
|
| | | | A-34 | | |
4.10
調查和保密
|
| | | | A-34 | | |
4.11
新聞稿;宣傳
|
| | | | A-34 | | |
4.12
收購建議書
|
| | | | A-34 | | |
4.13
Takeover Laws
|
| | | | A-35 | | |
4.14
員工福利和合同
|
| | | | A-36 | | |
4.15
Indemnification
|
| | | | A-37 | | |
4.16
解決某些問題
|
| | | | A-38 | | |
4.17
Claims Letters
|
| | | | A-38 | | |
4.18
限制性契約協議
|
| | | | 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
贖回或轉換阿波羅高級票據
|
| | | | A-39 | | |
4.24
公司期權和認股權證
|
| | | | | | |
4.25
SBC Advisory Board
|
| | | | A-40 | | |
第5條 - 條件是履行義務之前的條件
|
| | | | A-40 | | |
5.1
各方義務的條件
|
| | | | A-40 | | |
5.2
海岸義務的條件
|
| | | | A-40 | | |
5.3
公司義務的條件
|
| | | | 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
申述和契約不復存在
|
| | | | 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
|
| | 銀行合併協議 | |
|
B
|
| | 股東支持協議格式 | |
|
C
|
| | Form of Claims Letter | |
|
D
|
| | 限制性契約協議格式 | |
| Affordable Care Act | | | Section 3.3(j)(iii) | |
| 合併綜合考慮事項 | | | Section 1.5(a) | |
| Agreement | | | Parties | |
| 阿波羅證書 | | | Section 1.5(b) | |
| 阿波羅導演推薦 | | | Section 3.3(b)(ii) | |
| 阿波羅發現函 | | | Section 3.1 | |
| 阿波羅最新資產負債表 | | | Section 3.3(d)(ii) | |
| Articles of Merger | | | Section 1.4 | |
| Bank | | | Parties | |
| Bank Merger | | | Preamble | |
| 銀行合併協議 | | | Preamble | |
| CARES Act | | | Section 3.3(h)(xi) | |
| 更改建議 | | | Section 4.12(b) | |
| Closing | | | Section 1.3 | |
| Closing Date | | | Section 1.3 | |
| Company | | | Parties | |
| 公司管理協議 | | | Section 3.3(v) | |
| Covered Employees | | | Section 4.14(a) | |
| COVID-19 Measures | | | Section 3.3(h)(xi) | |
| CRA | | | Section 3.3(q) | |
| 異議條款 | | | Section 2.3 | |
| 持異議的股東 | | | 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) | |
| 賠償通知書 | | | Section 7.2(b) | |
| Indemnified Party | | | Section 4.15(a) | |
| 受賠方 | | | Section 7.2(b) | |
| Loans | | | Section 3.3(n)(i) | |
| 重大不良影響 | | | Section 3.2(b) | |
| Measuring Date | | | Section 7.1(a) | |
| Merger | | | Preamble | |
| 合併考慮因素 | | | Section 1.5(a) | |
| PPP | | | Section 3.3(h)(xii) | |
| 監管意見 | | | Section 4.8(b) | |
| Required Consents | | | Section 5.1(b) | |
| Sarbanes-Oxley Act | | | Section 3.3(d)(iv) | |
| Senior Notes | | | Section 4.23(a) | |
| 股東支持協議 | | | Preamble | |
| SBC | | | Parties | |
| SBC Preferred Stock | | | Section 3.4(c) | |
| SBC監管協議 | | | Section 3.4(f)(ii) | |
| Seacoast | | | Parties | |
| SNB | | | Parties | |
| Surviving Bank | | | Section 1.2 | |
| 倖存的公司 | | | Section 1.1 | |
| Takeover Laws | | | Section 3.3(v) | |
| Seacoast: | | |
佛羅裏達海岸銀行公司
815 Colorado Avenue Stuart, Florida 34994 Telecopy Number: (772) 288-6086 |
|
| | | | 注意:Charles M.Shaffer | |
|
Copy to Counsel (which
不構成通知): |
| |
Alston & Bird LLP 1201 West Peachtree Street Atlanta, Georgia 30309 Telecopy Number: (404) 881-7777 |
|
| | | | 注意:倫道夫·A·摩爾三世 | |
| Company: | | |
Apollo Bancshares, Inc.
1150 South Miami Avenue Miami, Florida 33130 |
|
| | | | 注意:愛德華多·J·阿里奧拉 | |
|
Copy to Counsel (which
不構成通知): |
| |
Fenimore Kay Harrison 812 San Antonio Street Suite 600 Austin, Texas 78701 |
|
| | | | 注意:洛厄爾·W·哈里森 | |
| | | | 佛羅裏達海岸銀行公司 | |
| | | |
By:
/s/ Charles M. Shaffer
Charles M. Shaffer
總裁和首席執行官 |
|
| | | | 海岸國家銀行 | |
| | | |
By:
/s/ Charles M. Shaffer
Charles M. Shaffer
總裁和首席執行官 |
|
| | | | 阿波羅銀行股份有限公司 | |
| | | |
By:
/s/ Eduardo J. Arriola
Eduardo J. Arriola
總裁和首席執行官 |
|
| | | | APOLLO BANK | |
| | | |
By:
/s/ Eduardo J. Arriola
Eduardo J. Arriola
董事長兼首席執行官 |
|
|
Name
|
| |
Address
|
| |
County
|
| |
City
|
| |
State
|
| |
Zip
|
| |
Service Type
|
|
| | | | | | | | | | | | | | | | | | | | |
| | | | SELLER: | | |||
| | | | 阿波羅銀行股份有限公司 | | |||
| | | |
By:
|
| |||
| | | | Name: | | | Eduardo J. Arriola | |
| | | | Title: | | | 總裁和首席執行官 | |
| | | | BUYER: | | |||
| | | | 佛羅裏達海岸銀行公司 | | |||
| | | |
By:
|
| |||
| | | | Name: | | | Charles M. Shaffer | |
| | | | Title: | | | 首席執行官 | |
| | | | SHAREHOLDER: | |
| | | |
|
|
| | | |
|
|
| | | |
|
|
| | | |
|
|
| | | |
|
|
| | | | 股東有表決權和所有權能力的普通股股份數量(包括因合併而轉換的任何股份): | |
| | | |
|
|
| | | |
|
|
| | | | SELLER: | | |||
| | | | 阿波羅銀行股份有限公司 | | |||
| | | |
By:
|
| |||
| | | | Name: | | | Eduardo J. Arriola | |
| | | | Title: | | | 總裁和首席執行官 | |
| | | | BUYER: | | |||
| | | | 佛羅裏達海岸銀行公司 | | |||
| | | |
By:
|
| |||
| | | | Name: | | | Charles M. Shaffer | |
| | | | Title: | | | 首席執行官 | |
| | | | SHAREHOLDER: | |
| | | |
|
|
| | | |
|
|
| | | |
|
|
| | | |
|
|
| | | |
|
|
| | | | 股東有表決權和所有權能力的普通股股份數量(包括因合併而轉換的任何股份): | |
| | | |
|
|
| | | |
|
|
| | | | Sincerely, | |
| | | |
官員或董事簽名
|
|
| | | |
官員或董事的印刷體姓名
|
|
| | | | 佛羅裏達海岸銀行公司 | | |||
| | | | By: | | |
Name: Charles M. Shaffer
職務: 首席執行官 |
|
| BUYER: | | | | | |||
| 佛羅裏達海岸銀行公司 | | | | | |||
| By: | | |
Name: Charles M. Shaffer
職務: 首席執行官 |
| |
| DIRECTOR: | | | | | |||
|
|
| | |||||
| Name: | | |
|
| | | |
| Address: | | |
|
| | | |
|
Name
|
| |
Address
|
| |
County
|
| |
City
|
| |
State
|
| |
Zip
|
| |
Service Type
|
|
| | | | | | | | | | | | | | | | | | | | |
|
INDEPENDENT AUDITOR’S REPORT
|
| |
F-1 – F-2
|
| |||
| 合併財務報表: | | | | | | | |
|
合併資產負債表
|
| | | | F-3 | | |
|
合併業務報表
|
| | | | F-4 | | |
|
全面收益合併報表
|
| | | | F-5 | | |
|
合併股東權益變動表
|
| | | | F-6 | | |
|
現金流量表合併報表
|
| | | | F-7 | | |
|
合併財務報表附註
|
| |
F-8 – F-48
|
|
|
Miami, Florida May 25, 2022 |
| |
/s/ BDO USA, LLP
註冊會計師 |
|
| | |
2021
|
| |
2020
|
| ||||||
ASSETS | | | | | | | | | | | | | |
現金和現金等價物
|
| | | $ | 83,710 | | | | | $ | 64,917 | | |
其他銀行的有息定期存款
|
| | | | 1,746 | | | | | | 996 | | |
可供出售的債務證券
|
| | | | 258,738 | | | | | | 232,861 | | |
聯邦住房貸款銀行股票,按成本計算(受限)
|
| | | | 1,063 | | | | | | 1,308 | | |
Loans, net
|
| | | | 658,038 | | | | | | 513,523 | | |
銀行擁有人壽保險
|
| | | | 23,435 | | | | | | 19,058 | | |
遞延税金資產,淨額
|
| | | | 4,590 | | | | | | 3,438 | | |
房舍和設備,淨值
|
| | | | 6,333 | | | | | | 6,149 | | |
核心存款無形,淨額
|
| | | | 157 | | | | | | 244 | | |
Goodwill
|
| | | | 3,309 | | | | | | 3,309 | | |
應收應計利息
|
| | | | 5,074 | | | | | | 5,617 | | |
Other assets
|
| | | | 1,166 | | | | | | 1,016 | | |
TOTAL ASSETS
|
| | |
$
|
1,047,359
|
| | | |
$
|
852,436
|
| |
負債和股東權益 | | | | | | | | | | | | | |
無息活期存款
|
| | | $ | 378,273 | | | | | $ | 263,648 | | |
有息活期存款
|
| | | | 29,637 | | | | | | 29,520 | | |
儲蓄、現在和貨幣市場存款
|
| | | | 428,776 | | | | | | 362,400 | | |
Time deposits
|
| | | | 89,315 | | | | | | 82,743 | | |
Total deposits
|
| | | | 926,001 | | | | | | 738,311 | | |
LONG-TERM DEBT (NOTE 12)
|
| | | | | | | | | | | | |
本金金額
|
| | | | 12,250 | | | | | | 12,250 | | |
更低的未攤銷債務發行成本
|
| | | | (398) | | | | | | (443) | | |
長期債務,減少未攤銷債務發行成本
|
| | | | 11,852 | | | | | | 11,807 | | |
聯邦住房貸款銀行預付款
|
| | | | 15,000 | | | | | | 15,000 | | |
借款人預付税款和保險費
|
| | | | 1,638 | | | | | | 668 | | |
應計應付利息和其他負債
|
| | | | 2,948 | | | | | | 2,444 | | |
總負債
|
| | | | 957,439 | | | | | | 768,230 | | |
承付款和或有事項(附註18) | | | | | | | | | | | | | |
STOCKHOLDERS’ EQUITY: | | | | | | | | | | | | | |
阿波羅銀行股份有限公司股東權益:
|
| | | | | | | | | | | | |
優先股,面值0.01美元,授權50,000,000股;未發行或
outstanding |
| | | | — | | | | | | — | | |
普通股,面值0.01美元,授權發行100,000,000股;已發行和已發行股票3,766,412股
|
| | | | 38 | | | | | | 38 | | |
新增實收資本
|
| | | | 44,141 | | | | | | 44,141 | | |
留存收益
|
| | | | 31,438 | | | | | | 24,342 | | |
累計其他綜合收益(虧損),扣除税收影響
|
| | | | (1,301) | | | | | | 991 | | |
Apollo BancShares,Inc.股東權益合計
|
| | | | 74,316 | | | | | | 69,512 | | |
非控股權益
|
| | | | 15,604 | | | | | | 14,694 | | |
股東權益總額
|
| | | | 89,920 | | | | | | 84,206 | | |
總負債和股東權益
|
| | |
$
|
1,047,359
|
| | | |
$
|
852,436
|
| |
| | |
2021
|
| |
2020
|
| ||||||
利息和股息收入 | | | | | | | | | | | | | |
貸款,包括手續費
|
| | | $ | 25,631 | | | | | $ | 24,281 | | |
債務證券
|
| | | | 3,602 | | | | | | 3,159 | | |
其他銀行的有息存款
|
| | | | 123 | | | | | | 370 | | |
Other
|
| | | | 63 | | | | | | 82 | | |
利息和股息收入合計
|
| | | | 29,419 | | | | | | 27,892 | | |
INTEREST EXPENSE | | | | | | | | | | | | | |
Deposits
|
| | | | 1,969 | | | | | | 4,887 | | |
聯邦住房貸款銀行預付款
|
| | | | 253 | | | | | | 254 | | |
Long-term debt
|
| | | | 717 | | | | | | 130 | | |
利息支出總額
|
| | | | 2,939 | | | | | | 5,271 | | |
淨利息收入
|
| | | | 26,480 | | | | | | 22,621 | | |
貸款損失準備金(沖銷)
|
| | | | (100) | | | | | | 1,300 | | |
扣除(沖銷)貸款損失準備後的淨利息收入
|
| | | | 26,580 | | | | | | 21,321 | | |
NONINTEREST INCOME | | | | | | | | | | | | | |
客户服務費
|
| | | | 2,164 | | | | | | 1,947 | | |
銀行自有壽險收入,淨額
|
| | | | 537 | | | | | | 313 | | |
出售可供出售的債務證券的淨收益(分別包括252美元和807美元的可供出售債務證券的未實現淨收益的累計其他綜合收益重新分類)
|
| | | | 252 | | | | | | 807 | | |
出售止贖資產的淨收益
|
| | | | 3 | | | | | | 15 | | |
Other
|
| | | | 77 | | | | | | 408 | | |
非利息收入總額
|
| | | | 3,033 | | | | | | 3,490 | | |
NONINTEREST EXPENSES | | | | | | | | | | | | | |
工資和員工福利
|
| | | | 10,890 | | | | | | 9,598 | | |
入住率和設備
|
| | | | 2,921 | | | | | | 2,732 | | |
數據處理
|
| | | | 1,813 | | | | | | 1,616 | | |
專業費
|
| | | | 991 | | | | | | 785 | | |
Servicing fees
|
| | | | 255 | | | | | | 343 | | |
聯邦存款保險公司
|
| | | | 295 | | | | | | 422 | | |
巖心礦藏無形資產攤銷
|
| | | | 87 | | | | | | 111 | | |
Directors’ fees
|
| | | | 514 | | | | | | 523 | | |
其他一般和行政事務
|
| | | | 1,622 | | | | | | 1,846 | | |
非利息支出總額
|
| | | | 19,388 | | | | | | 17,976 | | |
所得税扣除費用前的淨收益
|
| | | | 10,225 | | | | | | 6,835 | | |
所得税費用(包括重新分類項目的所得税費用分別為62美元和198美元)
|
| | | | 1,804 | | | | | | 1,572 | | |
NET INCOME
|
| | | | 8,421 | | | | | | 5,263 | | |
減去:可歸因於非控股權益的淨收入
|
| | | | (1,325) | | | | | | (973) | | |
阿波羅銀行股份有限公司的淨收入。
|
| | | $ | 7,096 | | | | | $ | 4,290 | | |
| 2021 | | | | | | | | | | | | | |
|
NET INCOME
|
| | | | | | | | | $ | 8,421 | | |
| 其他綜合虧損,税後淨額: | | | | | | | | | | | | | |
|
債務證券未實現虧損:
|
| | | | | | | | | | | | |
|
期間發生的未實現持有虧損(扣除税收影響淨額830美元)
|
| | | $ | (2,517) | | | | | | | | |
|
減去:淨收入中包含的收益的重新分類調整(扣除税收影響
of $62) |
| | | | (190) | | | | | | (2,707) | | |
|
綜合收益
|
| | | | | | | | | | 5,714 | | |
|
減去:非控股權益的綜合收益
|
| | | | | | | | | | (910) | | |
|
阿波羅銀行股份有限公司的全面收入。
|
| | | | | | | | |
$
|
4,804
|
| |
| 2020 | | | | | | | | | | | | | |
|
NET INCOME
|
| | | | | | | | | $ | 5,263 | | |
| 其他綜合收入,税後淨額: | | | | | | | | | | | | | |
|
債務證券未實現收益:
|
| | | | | | | | | | | | |
|
期間產生的未實現持有收益(扣除税收影響淨額1,055美元)
|
| | | $ | 3,248 | | | | | | | | |
|
減去:淨收入中包含的收益的重新分類調整(扣除税收影響
of $198) |
| | | | (609) | | | | | | 2,639 | | |
|
綜合收益
|
| | | | | | | | | | 7,902 | | |
|
減去:非控股權益的綜合收益
|
| | | | | | | | | | (1,423) | | |
|
阿波羅銀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 | | |
基於股票的薪酬
|
| | | | — | | | | | | — | | | | | | 186 | | | | | | — | | | | | | — | | | | | | — | | | | | | 186 | | |
其他綜合收益
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 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 | | |
其他全面損失
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | (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
|
| ||||||
經營活動現金流: | | | | | | | | | | | | | |
Net income
|
| | | $ | 8,421 | | | | | $ | 5,263 | | |
將淨收益與經營活動提供的現金淨額進行調整:
|
| | | | | | | | | | | | |
貸款損失準備金(沖銷)
|
| | | | (100) | | | | | | 1,300 | | |
債務證券淨攤銷
|
| | | | 2,511 | | | | | | 1,042 | | |
遞延貸款費用淨增值
|
| | | | (1,112) | | | | | | (576) | | |
貸款保費淨攤銷
|
| | | | 203 | | | | | | 62 | | |
購入貸款貼現淨額
|
| | | | (101) | | | | | | (133) | | |
長期債務發行成本的攤銷
|
| | | | 45 | | | | | | 8 | | |
房地和設備的折舊和攤銷
|
| | | | 367 | | | | | | 301 | | |
巖心礦藏無形資產攤銷
|
| | | | 87 | | | | | | 111 | | |
出售可供出售的債務證券的已實現淨收益
|
| | | | (252) | | | | | | (807) | | |
出售喪失抵押品贖回權資產的已實現淨收益
|
| | | | (3) | | | | | | (15) | | |
銀行自有壽險收入,淨額
|
| | | | (537) | | | | | | (313) | | |
遞延所得税
|
| | | | (260) | | | | | | (427) | | |
基於股票的薪酬
|
| | | | — | | | | | | 186 | | |
營業資產和負債淨變化:
|
| | | | | | | | | | | | |
應收應計利息
|
| | | | 543 | | | | | | (2,427) | | |
Other assets
|
| | | | (290) | | | | | | 541 | | |
應計應付利息和其他負債
|
| | | | 504 | | | | | | (38) | | |
經營活動提供的現金淨額
|
| | | | 10,026 | | | | | | 4,078 | | |
投資活動的現金流: | | | | | | | | | | | | | |
其他銀行有息定期存款淨變化
|
| | | | (750) | | | | | | 250 | | |
購買人壽保險
|
| | | | (3,840) | | | | | | (5,140) | | |
可供出售的債務證券活動:
|
| | | | | | | | | | | | |
Sales
|
| | | | 34,962 | | | | | | 59,274 | | |
到期日、預付款和催繳
|
| | | | 46,383 | | | | | | 24,649 | | |
Purchases
|
| | | | (113,080) | | | | | | (180,229) | | |
聯邦住房貸款銀行股票淨變動(受限)
|
| | | | 245 | | | | | | (39) | | |
貸款本金來源,淨額
|
| | | | (143,405) | | | | | | (9,754) | | |
出售止贖資產的收益
|
| | | | 143 | | | | | | 453 | | |
增加房舍和設備
|
| | | | (551) | | | | | | (269) | | |
用於投資活動的現金淨額
|
| | | | (179,893) | | | | | | (110,805) | | |
融資活動的現金流: | | | | | | | | | | | | | |
存款淨變動
|
| | | | 187,690 | | | | | | 84,895 | | |
發行長期債券的淨收益
|
| | | | — | | | | | | 11,799 | | |
借款人預付税金和保險費的淨變化
|
| | | | 970 | | | | | | (469) | | |
融資活動提供的現金淨額
|
| | | | 188,660 | | | | | | 96,225 | | |
現金和現金等價物淨變化
|
| | | | 18,793 | | | | | | (10,502) | | |
現金和現金等價物,年初
|
| | | | 64,917 | | | | | | 75,419 | | |
年終現金和現金等價物
|
| | | $ | 83,710 | | | | | $ | 64,917 | | |
補充披露現金流信息: | | | | | | | | | | | | | |
將貸款轉移到止贖資產
|
| | | $ | — | | | | | $ | 355 | | |
存款和借款的利息
|
| | | $ | 3,102 | | | | | $ | 5,507 | | |
繳納所得税的現金
|
| | | $ | 2,340 | | | | | $ | 1,480 | | |
| 建築和改進 | | | 30 – 40 years | |
| 租賃改進 | | | 使用年限或租期較短 | |
| 傢俱、固定裝置和設備 | | | 5 to 7 years | |
| 計算機硬件/軟件 | | | 3 to 5 years | |
| Vehicle | | | 3 years | |
| | |
2021
|
| |
2020
|
| ||||||
期初餘額
|
| | | $ | 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
|
| ||||||
關聯方貸款產生的利息
|
| | | $ | 333 | | | | | $ | 454 | | |
關聯方存款利息
|
| | | $ | 101 | | | | | $ | 238 | | |
關聯方備用信用證手續費
|
| | | $ | 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 |
| ||||||||||||
可供出售的證券: | | | | | | | | | | | | | | | | | | | | | | | | | |
美國政府支持的企業(GSE)
|
| | | $ | 6,880 | | | | | $ | 60 | | | | | $ | (44) | | | | | $ | 6,896 | | |
公司債券
|
| | | | 68,341 | | | | | | 1,312 | | | | | | (724) | | | | | | 68,929 | | |
GSE住房抵押貸款擔保
|
| | | | 92,775 | | | | | | 670 | | | | | | (2,316) | | | | | | 91,129 | | |
GSE商業抵押貸款支持
|
| | | | 7,485 | | | | | | — | | | | | | (106) | | | | | | 7,379 | | |
免税城市
|
| | | | 30,424 | | | | | | 323 | | | | | | (70) | | | | | | 30,677 | | |
Asset-backed
|
| | | | 29,410 | | | | | | 154 | | | | | | (137) | | | | | | 29,427 | | |
U.S. treasury notes
|
| | | | 24,718 | | | | | | — | | | | | | (417) | | | | | | 24,301 | | |
可供出售的證券總額
|
| | |
$
|
260,033
|
| | | |
$
|
2,519
|
| | | |
$
|
(3,814)
|
| | | |
$
|
258,738
|
| |
| | |
December 31, 2020
|
| |||||||||||||||||||||
| | |
Amortized
Cost |
| |
Gross
Unrealized Gains |
| |
Gross
Unrealized Losses |
| |
Fair
Value |
| ||||||||||||
可供出售的證券: | | | | | | | | | | | | | | | | | | | | | | | | | |
美國政府支持的企業(GSE)
|
| | | $ | 18,271 | | | | | $ | 582 | | | | | $ | (57) | | | | | $ | 18,796 | | |
公司債券
|
| | | | 54,175 | | | | | | 1,691 | | | | | | (909) | | | | | | 54,957 | | |
GSE住房抵押貸款擔保
|
| | | | 113,232 | | | | | | 766 | | | | | | (131) | | | | | | 113,867 | | |
GSE商業抵押貸款支持
|
| | | | 8,562 | | | | | | 8 | | | | | | (26) | | | | | | 8,544 | | |
免税城市
|
| | | | 23,776 | | | | | | 373 | | | | | | (9) | | | | | | 24,140 | | |
Asset-backed
|
| | | | 12,541 | | | | | | 60 | | | | | | (44) | | | | | | 12,557 | | |
可供出售的證券總額
|
| | |
$
|
230,557
|
| | | |
$
|
3,480
|
| | | |
$
|
(1,176)
|
| | | |
$
|
232,861
|
| |
| | |
Amortized
Cost |
| |
Fair Value
|
| ||||||
1年至5年後
|
| | | $ | 32,543 | | | | | $ | 32,160 | | |
5年至10年後
|
| | | | 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 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
可供出售的證券: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
GSEs
|
| | | $ | — | | | | | $ | — | | | | | $ | (44) | | | | | $ | 4,399 | | | | | $ | (44) | | |
公司債券
|
| | | | (559) | | | | | | 28,522 | | | | | | (165) | | | | | | 4,324 | | | | | | (724) | | |
GSE住房抵押貸款擔保
|
| | | | (1,318) | | | | | | 57,191 | | | | | | (998) | | | | | | 26,788 | | | | | | (2,316) | | |
GSE商業抵押貸款擔保
|
| | | | (27) | | | | | | 5,013 | | | | | | (79) | | | | | | 2,367 | | | | | | (106) | | |
免税城市
|
| | | | (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 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
可供出售的證券: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
GSEs
|
| | | $ | — | | | | | $ | — | | | | | $ | (57) | | | | | $ | 5,825 | | | | | $ | (57) | | |
公司債券
|
| | | | (319) | | | | | | 13,347 | | | | | | (590) | | | | | | 8,641 | | | | | | (909) | | |
GSE住房抵押貸款擔保
|
| | | | (131) | | | | | | 48,123 | | | | | | — | | | | | | — | | | | | | (131) | | |
GSE商業抵押貸款擔保
|
| | | | — | | | | | | — | | | | | | (26) | | | | | | 3,928 | | | | | | (26) | | |
免税城市
|
| | | | (9) | | | | | | 1,493 | | | | | | — | | | | | | — | | | | | | (9) | | |
Asset-backed
|
| | | | — | | | | | | — | | | | | | (44) | | | | | | 6,276 | | | | | | (44) | | |
| | | | $ | (459) | | | | | $ | 62,963 | | | | | $ | (717) | | | | | $ | 24,670 | | | | | $ | (1,176) | | |
| | |
2021
|
| |
2020
|
| ||||||
工商業
|
| | | $ | 53,839 | | | | | $ | 72,168 | | |
Real estate
|
| | | | 596,800 | | | | | | 431,124 | | |
Consumer
|
| | | | 12,345 | | | | | | 15,399 | | |
Other
|
| | | | 3,197 | | | | | | 2,478 | | |
| | | | | 666,181 | | | | | | 521,169 | | |
未攤銷淨貸款保費
|
| | | | 229 | | | | | | 432 | | |
遞延貸款費用淨額
|
| | | | (1,476) | | | | | | (1,072) | | |
貸款損失準備
|
| | | | (6,896) | | | | | | (7,006) | | |
Loans, net
|
| | |
$
|
658,038
|
| | | |
$
|
513,523
|
| |
| | |
2021
|
| |
2020
|
| ||||||
Gross loans
|
| | | $ | 666,181 | | | | | $ | 521,169 | | |
應收應計利息
|
| | | | 4,035 | | | | | | 4,676 | | |
遞延貸款費用淨額
|
| | | | (1,476) | | | | | | (1,072) | | |
未攤銷淨貸款保費
|
| | | | 229 | | | | | | 432 | | |
| | | | $ | 668,969 | | | | | $ | 525,205 | | |
| | |
Commercial
and Industrial |
| |
Real
Estate |
| |
Consumer
|
| |
Other
|
| |
Unallocated
|
| |
Total
|
| ||||||||||||||||||
貸款損失準備: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
期初餘額
|
| | | $ | 724 | | | | | $ | 5,792 | | | | | $ | 116 | | | | | $ | — | | | | | $ | 374 | | | | | $ | 7,006 | | |
Charge-offs
|
| | | | — | | | | | | — | | | | | | (13) | | | | | | — | | | | | | — | | | | | | (13) | | |
Recoveries
|
| | | | — | | | | | | — | | | | | | 3 | | | | | | — | | | | | | — | | | | | | 3 | | |
撥備(沖銷)
|
| | | | (383) | | | | | | 160 | | | | | | (38) | | | | | | — | | | | | | 161 | | | | | | (100) | | |
Ending balance
|
| | | $ | 341 | | | | | $ | 5,952 | | | | | $ | 68 | | | | | $ | — | | | | | $ | 535 | | | | | $ | 6,896 | | |
期末餘額:個別評估減值
|
| | | $ | 25 | | | | | $ | 190 | | | | | $ | 2 | | | | | $ | — | | | | | $ | — | | | | | $ | 217 | | |
期末餘額:集中評估減值
|
| | | $ | 316 | | | | | $ | 5,762 | | | | | $ | 66 | | | | | $ | — | | | | | $ | 535 | | | | | $ | 6,679 | | |
期末餘額:因信用質量惡化而獲得的貸款
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
記錄的貸款投資:
|
| | | $ | 54,218 | | | | | $ | 598,014 | | | | | $ | 13,577 | | | | | $ | 3,160 | | | | | $ | — | | | | | $ | 668,969 | | |
Ending balance | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
期末餘額:個別評估減值
|
| | | $ | 9,154 | | | | | $ | 5,544 | | | | | $ | 103 | | | | | $ | — | | | | | $ | — | | | | | $ | 14,801 | | |
期末餘額:集中評估減值
|
| | | $ | 45,064 | | | | | $ | 592,470 | | | | | $ | 13,474 | | | | | $ | 3,160 | | | | | $ | — | | | | | $ | 654,168 | | |
期末餘額:因信用質量惡化而獲得的貸款
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
| | |
Commercial
and Industrial |
| |
Real
Estate |
| |
Consumer
|
| |
Other
|
| |
Unallocated
|
| |
Total
|
| ||||||||||||||||||
貸款損失準備: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
期初餘額
|
| | | $ | 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 | | |
期末餘額:個別評估減值
|
| | | $ | 22 | | | | | $ | 93 | | | | | $ | 10 | | | | | $ | — | | | | | $ | — | | | | | $ | 125 | | |
期末餘額:集中評估減值
|
| | | $ | 702 | | | | | $ | 5,699 | | | | | $ | 106 | | | | | $ | — | | | | | $ | 374 | | | | | $ | 6,881 | | |
期末餘額:因信用質量惡化而獲得的貸款
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
記錄的貸款投資:
|
| | | $ | 72,128 | | | | | $ | 433,997 | | | | | $ | 16,596 | | | | | $ | 2,484 | | | | | $ | — | | | | | $ | 525,205 | | |
Ending balance | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
期末餘額:個別評估減值
|
| | | $ | 8,258 | | | | | $ | 29,030 | | | | | $ | 549 | | | | | $ | — | | | | | $ | — | | | | | $ | 37,837 | | |
期末餘額:集中評估減值
|
| | | $ | 63,870 | | | | | $ | 404,783 | | | | | $ | 16,047 | | | | | $ | 2,484 | | | | | $ | — | | | | | $ | 487,184 | | |
期末餘額:因信用質量惡化而獲得的貸款
|
| | | $ | — | | | | | $ | 184 | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | 184 | | |
| | |
Pass
|
| |
Special
Mention |
| |
Substandard
|
| |
Total
|
| ||||||||||||
業務資產
|
| | | $ | 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 | | |
有保障的學生
|
| | | | 13,144 | | | | | | — | | | | | | 103 | | | | | | 13,247 | | |
現金抵押品
|
| | | | 3,160 | | | | | | — | | | | | | — | | | | | | 3,160 | | |
Total
|
| | |
$
|
656,132
|
| | | |
$
|
50
|
| | | |
$
|
12,787
|
| | | |
$
|
668,969
|
| |
| | |
Pass
|
| |
Special
Mention |
| |
Substandard
|
| |
Total
|
| ||||||||||||
業務資產
|
| | | $ | 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 | | |
有保障的學生
|
| | | | 16,247 | | | | | | — | | | | | | — | | | | | | 16,247 | | |
現金抵押品
|
| | | | 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
|
| |||||||||
業務資產
|
| | | $ | 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 | | |
有保障的學生
|
| | | | 13,247 | | | | | | — | | | | | | 13,247 | | |
現金抵押品
|
| | | | 3,160 | | | | | | — | | | | | | 3,160 | | |
Total
|
| | |
$
|
665,005
|
| | | |
$
|
3,964
|
| | | |
$
|
668,969
|
| |
| | |
Performing
|
| |
Nonperforming
|
| |
Total
|
| |||||||||
業務資產
|
| | | $ | 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 | | |
有保障的學生
|
| | | | 16,247 | | | | | | — | | | | | | 16,247 | | |
現金抵押品
|
| | | | 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 |
| |||||||||||||||||||||
業務資產
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | 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 | | | | | | — | | |
有保障的學生
|
| | | | 53 | | | | | | 59 | | | | | | 103 | | | | | | 215 | | | | | | 13,032 | | | | | | 13,247 | | | | | | 103 | | |
現金抵押品
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 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 |
| |||||||||||||||||||||
業務資產
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | 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 | | | | | | — | | |
有保障的學生
|
| | | | 5 | | | | | | 808 | | | | | | 549 | | | | | | 1,362 | | | | | | 14,885 | | | | | | 16,247 | | | | | | 549 | | |
現金抵押品
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 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 |
| |||||||||||||||
未記錄相關津貼: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
業務資產
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | 3,419 | | | | | $ | 98 | | |
商業抵押貸款(NOO)
|
| | | | — | | | | | | — | | | | | | | | | | | | 14,003 | | | | | | 270 | | |
商業抵押貸款(OO)
|
| | | | 784 | | | | | | 786 | | | | | | — | | | | | | 3,284 | | | | | | 284 | | |
Residential
|
| | | | 2,933 | | | | | | 2,930 | | | | | | — | | | | | | 12,156 | | | | | | 600 | | |
Consumer
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
有記錄的津貼: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
業務資產
|
| | | | 9,154 | | | | | | 9,142 | | | | | | 25 | | | | | | 9,124 | | | | | | 107 | | |
商業抵押貸款(NOO)
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
商業抵押貸款(OO)
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Residential
|
| | | | 1,827 | | | | | | 1,826 | | | | | | 190 | | | | | | 1,854 | | | | | | 7 | | |
Consumer
|
| | | | 103 | | | | | | 95 | | | | | | 2 | | | | | | 353 | | | | | | — | | |
Total: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
業務資產:
|
| | | | 9,154 | | | | | | 9,142 | | | | | | 25 | | | | | | 12,543 | | | | | | 205 | | |
商業抵押貸款(NOO)
|
| | | | — | | | | | | — | | | | | | — | | | | | | 14,003 | | | | | | 270 | | |
商業抵押貸款(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 |
| |||||||||||||||
未記錄相關津貼: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
業務資產
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
商業抵押貸款 - NOO
|
| | | | 12,037 | | | | | | 11,992 | | | | | | — | | | | | | 15,237 | | | | | | 317 | | |
Commercial – OO
|
| | | | 861 | | | | | | 862 | | | | | | — | | | | | | 917 | | | | | | 42 | | |
Residential
|
| | | | 11,580 | | | | | | 11,573 | | | | | | — | | | | | | 14,611 | | | | | | 275 | | |
Consumer
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
有記錄的津貼: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
業務資產
|
| | | | 8,258 | | | | | | 8,239 | | | | | | 22 | | | | | | 8,252 | | | | | | 46 | | |
商業抵押貸款 - 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: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
業務資產
|
| | | | 8,258 | | | | | | 8,239 | | | | | | 22 | | | | | | 8,252 | | | | | | 46 | | |
商業抵押貸款 - 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
|
| ||||||
出售止贖資產的淨收益
|
| | | $ | 3 | | | | | $ | 15 | | |
運營費用
|
| | | | (2) | | | | | | (35) | | |
| | | | $ | 1 | | | | | $ | (20) | | |
| | |
2021
|
| |
2020
|
| ||||||
Land
|
| | | $ | 2,930 | | | | | $ | 2,930 | | |
建築和改進
|
| | | | 2,692 | | | | | | 2,688 | | |
租賃改進
|
| | | | 1,341 | | | | | | 1,295 | | |
傢俱、固定裝置和設備
|
| | | | 1,172 | | | | | | 1,129 | | |
計算機軟件
|
| | | | 618 | | | | | | 799 | | |
計算機硬件
|
| | | | 307 | | | | | | 597 | | |
施工中
|
| | | | 297 | | | | | | — | | |
Vehicle
|
| | | | 29 | | | | | | 29 | | |
Artwork
|
| | | | 28 | | | | | | 28 | | |
| | | | | 9,414 | | | | | | 9,495 | | |
減去:累計折舊和攤銷
|
| | | | (3,081) | | | | | | (3,346) | | |
| | | | $ | 6,333 | | | | | $ | 6,149 | | |
| | |
2021
|
| |
2020
|
| ||||||
無形巖心礦藏
|
| | | $ | 2,057 | | | | | $ | 2,057 | | |
減去:累計攤銷
|
| | | | (1,900) | | | | | | (1,813) | | |
無形資產淨值巖心
|
| | | $ | 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 |
| ||||||
到期的固定利率預付款: | | | | | | | | | | | | | |
2024
|
| | | $ | 7,500 | | | | | | 1.60% | | |
2029
|
| | | | 7,500 | | | | | | 1.73% | | |
| | | | $ | 15,000 | | | | | | 1.66% | | |
| | |
Amount
|
| |
Unamortized
Debt Issuance Costs |
| ||||||
利率5.5%的固定利率至浮動利率優先債券,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 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
總資本(相對於風險加權資產)
|
| | | $ | 104,178 | | | | | | 13.31% | | | | | $ | 62,610 | | | | | | 8.00% | | | | | $ | 78,262 | | | | | | 10.00% | | |
一級資本(風險加權資產)
|
| | | | 97,137 | | | | | | 12.41% | | | | | | 46,957 | | | | | | 6.00% | | | | | | 62,610 | | | | | | 8.00% | | |
普通股一級資本(按風險加權計算)
assets) |
| | | | 97,137 | | | | | | 12.41% | | | | | | 35,218 | | | | | | 4.50% | | | | | | 50,870 | | | | | | 6.50% | | |
一級資本(按平均資產計算)
|
| | | | 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 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
總資本(相對於風險加權資產)
|
| | | $ | 95,351 | | | | | | 15.98% | | | | | $ | 47,740 | | | | | | 8.00% | | | | | $ | 59,676 | | | | | | 10.00% | | |
一級資本(風險加權資產)
|
| | | | 88,278 | | | | | | 14.79% | | | | | | 35,805 | | | | | | 6.00% | | | | | | 47,740 | | | | | | 8.00% | | |
普通股一級資本(風險加權資產)
|
| | | | 88,278 | | | | | | 14.79% | | | | | | 26,854 | | | | | | 4.50% | | | | | | 38,789 | | | | | | 6.50% | | |
一級資本(按平均資產計算)
|
| | | | 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 |
| |||||||||
截至2021年1月1日
|
| | | | 268 | | | | | $ | 10.00 | | | | | | | | |
Granted
|
| | | | — | | | | | | — | | | | | | | | |
Exercised
|
| | | | — | | | | | | — | | | | | | | | |
被沒收或過期
|
| | | | — | | | | | | — | | | | | | | | |
截至2021年12月31日
|
| | |
|
268
|
| | | |
$
|
10.00
|
| | | |
|
9.0
|
| |
可於2021年12月31日行使
|
| | |
|
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: | | | | | | | | | | | | | |
按法定税率徵收的聯邦所得税
|
| | | $ | 2,147 | | | | | $ | 1,435 | | |
扣除聯邦税收優惠後的州所得税
|
| | | | 273 | | | | | | 117 | | |
州税率變化
|
| | | | (150) | | | | | | — | | |
估值免税額變動
|
| | | | (375) | | | | | | 51 | | |
其他永久性差異
|
| | | | (91) | | | | | | (31) | | |
Total
|
| | |
$
|
1,804
|
| | | |
$
|
1,572
|
| |
| | |
2021
|
| |
2020
|
| ||||||
Deferred tax assets: | | | | | | | | | | | | | |
淨營業虧損和其他結轉
|
| | | $ | 1,842 | | | | | $ | 1,914 | | |
貸款損失準備
|
| | | | 1,748 | | | | | | 1,718 | | |
可供出售證券的未實現淨虧損
|
| | | | 339 | | | | | | — | | |
組織費用
|
| | | | 84 | | | | | | 107 | | |
延期貸款費用
|
| | | | 374 | | | | | | 263 | | |
應收貸款貼現
|
| | | | 87 | | | | | | 109 | | |
資本化成本
|
| | | | 42 | | | | | | 40 | | |
股票期權和權證補償
|
| | | | 216 | | | | | | 209 | | |
SERP
|
| | | | 255 | | | | | | 210 | | |
長期債務應計利息
|
| | | | — | | | | | | 30 | | |
止贖資產
|
| | | | — | | | | | | 1 | | |
Accruals
|
| | | | 41 | | | | | | 253 | | |
| | | | | 5,028 | | | | | | 4,854 | | |
減去:估值免税額
|
| | | | (366) | | | | | | (741) | | |
| | | | $ | 4,662 | | | | | $ | 4,113 | | |
遞延納税義務: | | | | | | | | | | | | | |
可供出售證券的未實現淨收益
|
| | | | — | | | | | | (553) | | |
Depreciation
|
| | | | (24) | | | | | | (55) | | |
無形巖心礦藏
|
| | | | (48) | | | | | | (67) | | |
| | | | | (72) | | | | | | (675) | | |
遞延税金淨資產
|
| | |
$
|
4,590
|
| | | |
$
|
3,438
|
| |
| | |
2021
|
| |
2020
|
| ||||||
信貸額度下的無資金承諾
|
| | | $ | 93,729 | | | | | $ | 40,892 | | |
提供貸款的承諾
|
| | | | — | | | | | | 3,965 | | |
備用信用證
|
| | | | 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
計量2021年12月31日的公允價值
|
| |||||||||||||||||||||
| | |
Total
|
| |
Quoted Prices
in Active Markets for Identical Assets (Level 1) |
| |
Significant Other
Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| ||||||||||||
可供出售的證券: | | | | | | | | | | | | | | | | | | | | | | | | | |
GSEs
|
| | | $ | 6,896 | | | | | $ | — | | | | | $ | 6,896 | | | | | $ | — | | |
公司債券
|
| | | | 68,929 | | | | | | — | | | | | | 68,929 | | | | | | — | | |
GSE住房抵押貸款擔保
|
| | | | 91,129 | | | | | | — | | | | | | 91,129 | | | | | | — | | |
GSE商業抵押貸款支持
|
| | | | 7,379 | | | | | | — | | | | | | 7,379 | | | | | | — | | |
免税城市
|
| | | | 30,677 | | | | | | — | | | | | | 30,677 | | | | | | — | | |
Asset-backed
|
| | | | 29,427 | | | | | | — | | | | | | 29,427 | | | | | | — | | |
U.S. treasury notes
|
| | | | 24,301 | | | | | | — | | | | | | 24,301 | | | | | | — | | |
按公允價值計算的總資產
|
| | | $ | 258,738 | | | | | $ | — | | | | | $ | 258,738 | | | | | $ | — | | |
| | |
使用
計量2020年12月31日的公允價值
|
| |||||||||||||||||||||
| | |
Total
|
| |
Quoted Prices
in Active Markets for Identical Assets (Level 1) |
| |
Significant Other
Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| ||||||||||||
可供出售的證券: | | | | | | | | | | | | | | | | | | | | | | | | | |
GSEs
|
| | | $ | 18,796 | | | | | $ | — | | | | | $ | 18,796 | | | | | $ | — | | |
公司債券
|
| | | | 54,957 | | | | | | — | | | | | | 54,957 | | | | | | — | | |
GSE住房抵押貸款擔保
|
| | | | 113,867 | | | | | | — | | | | | | 113,867 | | | | | | — | | |
GSE商業抵押貸款支持
|
| | | | 8,544 | | | | | | — | | | | | | 8,544 | | | | | | — | | |
免税城市
|
| | | | 24,140 | | | | | | — | | | | | | 24,140 | | | | | | — | | |
Asset-backed
|
| | | | 12,557 | | | | | | — | | | | | | 12,557 | | | | | | — | | |
按公允價值計算的總資產
|
| | | $ | 232,861 | | | | | $ | — | | | | | $ | 232,861 | | | | | $ | — | | |
| | |
使用
計量2021年12月31日的公允價值
|
| |||||||||||||||||||||
| | |
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
計量2020年12月31日的公允價值
|
| |||||||||||||||||||||
| | |
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) |
| |||
現金和現金等價物
|
| | | $ | 53,320 | | |
其他銀行的有息定期存款
|
| | | | — | | |
可供出售的債務證券
|
| | | | 219,628 | | |
聯邦住房貸款銀行股票,按成本計算(受限)
|
| | | | 1,647 | | |
Loans, net
|
| | | | 728,412 | | |
銀行擁有人壽保險
|
| | | | 23,713 | | |
遞延税金資產,淨額
|
| | | | 10,294 | | |
房舍和設備,淨值
|
| | | | 17,557 | | |
核心存款無形,淨額
|
| | | | 119 | | |
Goodwill
|
| | | | 3,309 | | |
應收應計利息
|
| | | | 5,074 | | |
Other assets
|
| | | | 1,987 | | |
TOTAL ASSETS
|
| | |
$
|
1,065,060
|
| |
負債和股東權益 | | | | | | | |
無息活期存款
|
| | | $ | 426,750 | | |
有息活期存款
|
| | | | 33,512 | | |
儲蓄、現在和貨幣市場存款
|
| | | | 397,566 | | |
Time deposits
|
| | | | 67,083 | | |
Total deposits
|
| | | | 924,911 | | |
LONG-TERM DEBT
|
| | | | | | |
本金金額
|
| | | | 12,250 | | |
更低的未攤銷債務發行成本
|
| | | | (375) | | |
長期債務,減少未攤銷債務發行成本
|
| | | | 11,875 | | |
聯邦住房貸款銀行預付款
|
| | | | 30,000 | | |
借款人預付税款和保險費
|
| | | | 5,373 | | |
應計應付利息和其他負債
|
| | | | 14,637 | | |
總負債
|
| | | | 986,796 | | |
STOCKHOLDERS’ EQUITY:
|
| | | | | | |
阿波羅銀行股份有限公司股東權益:
|
| | | | | | |
優先股,面值0.01美元,授權股份50,000,000股;未發行或未發行
|
| | | | — | | |
普通股,面值0.01美元,授權發行100,000,000股;已發行和已發行股票3,766,412股
|
| | | | 38 | | |
新增實收資本
|
| | | | 44,141 | | |
留存收益
|
| | | | 35,750 | | |
累計其他綜合收益(虧損),扣除税收影響
|
| | | | (15,523) | | |
Apollo BancShares,Inc.股東權益合計
|
| | | | 64,406 | | |
非控股權益
|
| | | | 13,858 | | |
股東權益總額
|
| | | | 78,264 | | |
總負債和股東權益
|
| | |
$
|
1,065,060
|
| |
| | |
6/30/2022
(Unaudited) |
| |||
利息和股息收入 | | | | | | | |
貸款,包括手續費
|
| | | $ | 15,351 | | |
債務證券
|
| | | | 2,073 | | |
其他銀行的有息存款
|
| | | | 138 | | |
Other
|
| | | | 27 | | |
利息和股息收入合計
|
| | | | 17,589 | | |
INTEREST EXPENSE | | | | | | | |
Deposits
|
| | | | 686 | | |
聯邦住房貸款銀行預付款
|
| | | | 136 | | |
Long-term debt
|
| | | | 361 | | |
利息支出總額
|
| | | | 1,183 | | |
淨利息收入
|
| | | | 16,406 | | |
貸款損失準備金(沖銷)
|
| | | | 648 | | |
扣除(沖銷)貸款損失準備後的淨利息收入
|
| | | | 15,758 | | |
NONINTEREST INCOME | | | | | | | |
客户服務費
|
| | | | 1,433 | | |
銀行自有壽險收入,淨額
|
| | | | 277 | | |
出售可供出售的債務證券的淨收益
|
| | | | 581 | | |
出售止贖資產的淨收益
|
| | | | 0 | | |
Other
|
| | | | 54 | | |
非利息收入總額
|
| | | | 2,345 | | |
NONINTEREST EXPENSES | | | | | | | |
工資和員工福利
|
| | | | 6,222 | | |
入住率和設備
|
| | | | 1,521 | | |
數據處理
|
| | | | 1,048 | | |
專業費
|
| | | | 1,148 | | |
Servicing fees
|
| | | | 111 | | |
聯邦存款保險公司
|
| | | | 204 | | |
巖心礦藏無形資產攤銷
|
| | | | 38 | | |
Directors’ fees
|
| | | | 263 | | |
其他一般和行政事務
|
| | | | 811 | | |
非利息支出總額
|
| | | | 11,366 | | |
所得税扣除費用前的淨收益
|
| | | | 6,737 | | |
所得税支出
|
| | | | 1,595 | | |
NET INCOME
|
| | | | 5,142 | | |
減去:可歸因於非控股權益的淨收入
|
| | | | (831) | | |
阿波羅銀行股份有限公司的淨收入。
|
| | | $ | 4,311 | | |
| Exhibit 2.1 | | | — | | | 佛羅裏達海岸銀行公司、海岸國家銀行、阿波羅銀行股份有限公司和阿波羅銀行之間於2022年3月29日簽署的合併協議和計劃(作為聯合委託書/招股説明書的附錄A附上)。 | |
| | | | | | | 協議和合並計劃的某些展品和時間表已被省略。這些展品和時間表在《合併協議和計劃》中有描述。佛羅裏達海岸銀行公司特此同意,應美國證券交易委員會的要求,向其提供任何或所有此類遺漏的證物和時間表。 | |
| Exhibit 3.1.1 | | |
—
|
| |
修訂和重新修訂的公司章程(引用自2006年5月10日提交的Seaco‘s 10-Q季度報告的附件3.1)。
|
|
| Exhibit 3.1.2 | | |
—
|
| |
修訂和重新制定的公司章程修正案(2008年12月23日提交的《海岸公司表格8-K》附件3.1作為參考併入本文)。
|
|
| Exhibit 3.1.3 | | |
—
|
| | 《修訂和重新制定的公司章程修正案》(2009年6月22日提交的《海岸公司S-1表格》附件3.4作為參考併入本文)。 | |
| Exhibit 3.1.4 | | |
—
|
| |
《修訂和重新制定的公司章程修正案》(本文引用自2009年7月20日提交的《海岸公司8-K表格》附件3.1)。
|
|
| Exhibit 3.1.5 | | |
—
|
| |
修訂和重新制定的公司章程修正案(本文引用自2009年12月3日提交的SeCoastForm 8-K表的附件3.1)。
|
|
| Exhibit 3.1.6 | | |
—
|
| |
《修訂和重新制定的公司章程修正案》(本文引用自2010年7月14日提交的《海岸公司8-K/A表格》附件3.1)。
|
|
| Exhibit 3.1.7 | | |
—
|
| |
修訂和重新制定的公司章程修正案(從2010年6月25日提交的SeCoastForm 8-K表的附件3.1參考合併於此)。
|
|
| Exhibit 3.1.8 | | |
—
|
| |
《修訂和重新制定的公司章程修正案》(2011年6月1日提交的《海岸公司表格8-K》附件3.1作為參考併入本文)。
|
|
| Exhibit 3.1.9 | | |
—
|
| |
《修訂和重新制定的公司章程修正案》(本文引用自2013年12月13日提交的SeCoastForm 8-K表的附件3.1)。
|
|
| Exhibit 3.1.10 | | |
—
|
| |
修訂後和重新發布的公司章程修正案(本文引用自2018年5月30日提交的SeCoastForm 8-K表的附件3.1)。
|
|
| Exhibit 3.2 | | |
—
|
| |
修訂和重新制定公司章程(本文引用自2020年10月26日提交的《海岸公司8-K表格》附件3.1)。
|
|
| Exhibit 4.1 | | |
—
|
| |
普通股證書樣本(引用自2020年10月26日提交的SeCoastForm 8-K的附件3.1)。
|
|
| Exhibit 5.1 | | |
—
|
| | Alston&Bird律師事務所的法律意見* | |
| Exhibit 8.1 | | |
—
|
| |
Tax Opinion of Alston & Bird, LLP
|
|
| Exhibit 21.1 | | |
—
|
| |
註冊人的子公司(在此引用自2022年2月28日提交的附件21海岸公司的10-K表格)。
|
|
| Exhibit 23.1 | | |
—
|
| | Alston&Bird同意(包含在附件5.1中引用的意見中)* | |
| Exhibit 23.2 | | |
—
|
| |
Consent of Crowe LLP
|
|
| Exhibit 23.3 | | |
—
|
| |
Consent of BDO USA, LLP
|
|
| Exhibit 24 | | |
—
|
| | Power of Attorney* | |
| Exhibit 99.1 | | |
—
|
| |
將在Apollo BancShares,Inc.特別股東大會上使用的委託書。
|
|
| Exhibit 99.2 | | |
—
|
| | 將在阿波羅銀行特別股東大會上使用的委託書 | |
| Exhibit 99.3 | | |
—
|
| |
Keefe,Bruyette&Wood,Inc.同意*
|
|
| Exhibit 107 | | |
—
|
| |
Filing Fee Table*
|
|
|
Signature
|
| |
Title
|
| |
Date
|
|
|
/s/ Charles M. Shaffer
Charles M. Shaffer
|
| |
董事長兼首席執行官
(首席執行官) |
| |
August 10, 2022
|
|
|
/s/ Tracey L. Dexter
Tracey L. Dexter
|
| |
常務副總裁和
Chief Financial Officer (首席財務會計官) |
| |
August 10, 2022
|
|
|
*
Dennis J. Arczynski
|
| | Director | | |
August 10, 2022
|
|
|
*
Jacqueline L. Bradley
|
| | Director | | |
August 10, 2022
|
|
|
*
H. Gilbert Culbreth, Jr.
|
| | Director | | |
August 10, 2022
|
|
|
Julie H. Daum
|
| | Director | | |
August 10, 2022
|
|
|
*
Christopher E. Fogal
|
| | Director | | |
August 10, 2022
|
|
|
*
Maryann Goebel
|
| | Director | | |
August 10, 2022
|
|
|
*
Dennis S. Hudson, III
|
| | Director | | |
August 10, 2022
|
|
|
*
Robert J. Lipstein
|
| | Director | | |
August 10, 2022
|
|
|
*
Alvaro J. Monserrat
|
| | Director | | |
August 10, 2022
|
|
|
*
Thomas E. Rossin
|
| | Director | | |
August 10, 2022
|
|
|
*
/s/ Charles M. Shaffer
Charles M. Shaffer
Attorney-in-Fact |
| | | |