立即释放 |
有关详细信息,请访问: 米歇尔·S·希考克斯,执行副总裁兼首席财务官325.627.7155
|
First Financial BankShares宣布2022年第四季度收益
以及连续第36年实现年度收益增长
亚洲网得克萨斯州阿比林1月19日电第一金融银行股份有限公司(下称“公司”、“我们”、“我们”或“我们”)(纳斯达克:FIN)今天公布,2022年第四季度收益为5,867万美元,而去年同期为5,534万美元。2022年第四季度,基本和稀释后每股收益为0.41美元,而去年同期为0.39美元。
截至2022年12月31日的年度收益总额为2.3448亿美元,而截至2021年12月31日的年度收益为2.2756亿美元,增长691万美元,增幅3.04%。截至2022年12月31日的年度,基本每股收益和稀释后每股收益为1.64美元,而截至2021年12月31日的年度,基本和稀释后每股收益分别为1.60美元和1.59美元。与截至2021年12月31日的年度相比,截至2022年12月31日止年度的盈利包括(I)净利息收入增加3,105万美元,其中包括购买力平价贷款发放费及利息收入较上年减少2,490万美元;(Ii)信贷损失拨备增加1,857万美元;(Iii)按揭收入减少1,421万美元;(Iv)借记卡收入减少563万美元及(V)利润分享开支减少590万美元。
我们对我们的季度和年度业绩都感到非常满意,这是我们连续第36年实现年度收益增长。截至2022年,不包括购买力平价和待售贷款在内的贷款增长11.1亿美元,存款增长4.3902亿美元,主要是由于全年新增净账户超过10,500个。在第四季度,我们能够利用较长部分的较低利率,以较低的收益率出售2.7383亿美元的证券,并将这些美元重新部署到我们的较高收益贷款组合中,“第一金融银行股份有限公司董事长、总裁兼首席执行官F.Scott Dueser说。由于我们董事会、管理人员和员工的辛勤工作和奉献精神,我们能够克服2022年的一些重大不利因素,包括购买力平价、抵押贷款和借记卡收入的下降以及拨备费用的增加。鉴于美联储继续加息,我们将继续关注贷款和存款定价,以更好地与我们的竞争环境保持一致。进入2023年,我们将继续专注于服务我们的客户并提供坚实的结果,同时积极管理当前利率、监管和经济环境的影响。我们感谢我们的客户、股东和同事的持续支持。“迪泽补充说。
2022年第四季度的净利息收入为1.0404亿美元,而2021年第四季度的净利息收入为9481万美元。在应税等值基础上,2022年第四季度的净息差为3.36%,而2022年第三季度和2021年第四季度的净息差分别为3.32%和3.29%。净利息收入的增长是由平均利息资产增加推动的,与去年同期的118.9亿美元相比,2022年第四季度的平均利息资产增加到123.2亿美元,但部分被购买力平价贷款发放费和利息收入的下降所抵消,2022年第四季度的总利息收入为1.6万美元,而2021年第四季度为457万美元。截至2022年12月31日,PPP贷款余额总计16.9万美元,而2021年12月31日为5279万美元。
该公司在2022年第四季度记录了408万美元的信贷损失准备金,而2021年第四季度的信贷损失准备金为206万美元。公司在2022年第四季度的信贷损失拨备继续受到强劲的有机贷款增长、无资金承诺的增加以及预测的经济预测指标略有下降的推动。截至2022年12月31日,信贷损失拨备总额为7,583万美元,占投资贷款(“贷款”)的1.18%,而2021年12月31日为6,347万美元,占贷款的1.18%。此外,截至2022年12月31日,无资金承诺准备金总额为1232万美元,而2021年12月31日为644万美元,原因是无资金承诺增加,以及公司建设和开发投资组合的预测经济预测下降。
2022年第四季度,净冲销总额为905000美元,而2021年第四季度净冲销为228万美元。截至2022年12月31日,不良资产占贷款和止赎资产的百分比为0.38%,而2021年12月31日为0.63%。截至2022年12月31日,分类贷款总额为1.507亿美元,而截至2021年12月31日,分类贷款总额为1.611亿美元。
2022年第四季度的非利息收入为2852万美元,而2021年第四季度为3490万美元,原因如下:
2022年第四季度的非利息支出总额为5778万美元,而2021年第四季度为6167万美元,原因如下:
在截至2022年12月31日的一年中,公司的效率比率提高到43.30%,而在截至2021年12月31日的一年中,效率比率为45.84%。
截至2022年12月31日,公司的综合资产总额为129.7亿美元,而截至2021年12月31日的合并资产为131亿美元。截至2022年12月31日,贷款总额为64.4亿美元,而2021年12月31日的贷款总额为53.9亿美元。不包括购买力平价和待售贷款,贷款增加了1.8641亿美元,2022年第四季度增长了11.82%,与2021年12月31日的余额相比增加了11.1亿美元,增长了20.72%。截至2022年12月31日,存款总额为110.1亿美元,而2021年12月31日为105.7亿美元。
2022年第四季度,该公司出售了2.7383亿美元的可供出售证券,平均账面收益率为3.16%。出售这些证券的收益主要用于为本季度的有机贷款增长提供资金。截至2022年12月31日,证券投资组合的现金流预计在未来12个月为5.4028亿美元。
截至2022年12月31日,股东权益为12.7亿美元,而2021年12月31日为17.6亿美元,这是由于去年利率上升导致其他全面收益(OCI)发生变化的结果。截至2022年12月31日,可供出售投资证券组合的未实现亏损总额为5.3523亿美元,而截至2022年9月30日的未实现亏损为6.3242亿美元,截至2021年12月31日的未实现收益为9925万美元。
第一金融银行股份有限公司简介
First Financial BankShares,Inc.总部设在得克萨斯州阿比林,是一家金融控股公司,通过其子公司First Financial Bank,N.A.在得克萨斯州经营着79个银行地区,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、Fulshale、Glen Rose、Kranbury、Grapevine、Hereford、Huntsville、Keller、Kingwood、Lumberton、Magnolia、Magiceville、Merkel、Midlothian、Mintual Wells、Oomgery、Moran、New Wavly、Eastland、El Campo、Fort Worth、Fulsher、Glen Rose、Kranbury、Kingwood、Lumberton、Maurnolia、Magiceville、Merkel、Midlothian、Mintual Wells、帕拉西奥斯、亚瑟港、游侠、新星、罗比、圣安吉洛、南湖、斯蒂芬维尔、甜水、汤博尔、特伦特、奖杯俱乐部、维多、瓦哈奇、韦瑟福德、威利斯和柳树公园。该公司还经营着北卡罗来纳州的First Financial Trust&Asset Management Company和First Technology Services,Inc.,First Technology Services,Inc.是一家技术运营公司。
该公司在纳斯达克全球精选市场上市,交易代码为FIN。欲了解有关第一金融的更多信息,请访问我们的网站Https://www.ffin.com.
####
本文中包含的某些陈述可被视为1995年私人证券诉讼改革法中定义的“前瞻性陈述”。这些陈述是基于公司管理层的信念以及在公司管理层目前掌握的信息之外所作的假设,可能但不一定是通过诸如“预期”、“计划”、“预期”、“目标”、“预测”和“目标”等词语来确定的。由于此类“前瞻性陈述”受风险和不确定因素的影响,实际结果可能与此类前瞻性陈述所表达或暗示的结果大不相同。可能导致实际结果与公司预期大相径庭的因素包括:来自其他金融机构和金融控股公司的竞争;贸易、货币和财政政策和法律的影响和变化,包括联邦储备委员会的利率政策;石油和天然气价格以及疫情的经济影响;贷款需求的变化;抵押品和贷款储备价值的波动;通货膨胀、利率、市场和货币波动;消费者支出、借贷和储蓄习惯的变化;以及被收购企业的收购和整合,以及类似的变数。其他主要风险在公司提交给证券和
可在本公司网站上的“投资者关系-文件和备案”项下,或致函或致电325.627.7155向本公司索取。除本新闻公告中另有说明外,公司不承担任何因新信息、未来事件或其他原因而公开更新或修改任何前瞻性陈述的义务。
第一金融银行股份有限公司
综合财务摘要(未经审计)
(以千为单位,不包括每股和每股数据)
|
自.起 |
||||||||||||||||||||||||
|
|
2022 |
|
|
|
2021 |
|
|
|||||||||||||||||
资产 |
|
Dec. 31, |
|
|
|
9月30岁, |
|
|
|
6月30日, |
|
|
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|||||
现金和银行到期款项 |
$ |
|
293,286 |
|
|
$ |
|
227,298 |
|
|
$ |
|
242,665 |
|
|
$ |
|
203,187 |
|
|
$ |
|
205,053 |
|
|
银行有息活期存款 |
|
|
37,392 |
|
|
|
|
138,484 |
|
|
|
|
222,899 |
|
|
|
|
394,566 |
|
|
|
|
323,535 |
|
|
投资证券 |
|
|
5,474,359 |
|
|
|
|
5,745,443 |
|
|
|
|
6,215,036 |
|
|
|
|
6,502,495 |
|
|
|
|
6,573,179 |
|
|
持有用于投资的贷款,不包括购买力平价贷款 |
|
|
6,441,699 |
|
|
|
|
6,255,286 |
|
|
|
|
5,876,281 |
|
|
|
|
5,550,430 |
|
|
|
|
5,336,179 |
|
|
购买力平价贷款 |
|
|
169 |
|
|
|
|
202 |
|
|
|
|
2,301 |
|
|
|
|
15,739 |
|
|
|
|
52,793 |
|
|
为投资而持有的贷款总额 |
|
|
6,441,868 |
|
|
|
|
6,255,488 |
|
|
|
|
5,878,582 |
|
|
|
|
5,566,169 |
|
|
|
|
5,388,972 |
|
|
信贷损失准备 |
|
|
(75,834 |
) |
|
|
|
(74,108 |
) |
|
|
|
(71,932 |
) |
|
|
|
(66,913 |
) |
|
|
|
(63,465 |
) |
|
为投资而持有的净贷款 |
|
|
6,366,034 |
|
|
|
|
6,181,380 |
|
|
|
|
5,806,650 |
|
|
|
|
5,499,256 |
|
|
|
|
5,325,507 |
|
|
持有待售贷款 |
|
|
11,965 |
|
|
|
|
18,815 |
|
|
|
|
26,445 |
|
|
|
|
27,670 |
|
|
|
|
37,810 |
|
|
房舍和设备,净额 |
|
|
152,973 |
|
|
|
|
152,646 |
|
|
|
|
149,280 |
|
|
|
|
150,168 |
|
|
|
|
149,764 |
|
|
商誉 |
|
|
313,481 |
|
|
|
|
313,481 |
|
|
|
|
313,481 |
|
|
|
|
313,481 |
|
|
|
|
313,481 |
|
|
其他无形资产 |
|
|
2,053 |
|
|
|
|
2,352 |
|
|
|
|
2,658 |
|
|
|
|
2,978 |
|
|
|
|
3,298 |
|
|
其他资产 |
|
|
322,523 |
|
|
|
|
330,445 |
|
|
|
|
281,098 |
|
|
|
|
220,399 |
|
|
|
|
170,834 |
|
|
总资产 |
$ |
|
12,974,066 |
|
|
$ |
|
13,110,344 |
|
|
$ |
|
13,260,212 |
|
|
$ |
|
13,314,200 |
|
|
$ |
|
13,102,461 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
负债和股东权益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
无息存款 |
$ |
|
4,061,788 |
|
|
$ |
|
4,200,792 |
|
|
$ |
|
4,104,034 |
|
|
$ |
|
3,978,724 |
|
|
$ |
|
3,780,230 |
|
|
计息存款 |
|
|
6,943,719 |
|
|
|
|
6,941,326 |
|
|
|
|
7,018,949 |
|
|
|
|
7,021,101 |
|
|
|
|
6,786,258 |
|
|
总存款 |
|
|
11,005,507 |
|
|
|
|
11,142,118 |
|
|
|
|
11,122,983 |
|
|
|
|
10,999,825 |
|
|
|
|
10,566,488 |
|
|
借款 |
|
|
642,507 |
|
|
|
|
774,581 |
|
|
|
|
768,364 |
|
|
|
|
758,595 |
|
|
|
|
671,152 |
|
|
其他负债 |
|
|
60,315 |
|
|
|
|
61,030 |
|
|
|
|
39,847 |
|
|
|
|
67,031 |
|
|
|
|
105,597 |
|
|
股东权益 |
|
|
1,265,737 |
|
|
|
|
1,132,615 |
|
|
|
|
1,329,018 |
|
|
|
|
1,488,749 |
|
|
|
|
1,759,224 |
|
|
总负债和股东权益 |
$ |
|
12,974,066 |
|
|
$ |
|
13,110,344 |
|
|
$ |
|
13,260,212 |
|
|
$ |
|
13,314,200 |
|
|
$ |
|
13,102,461 |
|
|
|
截至的季度 |
||||||||||||||||||||||||
|
|
2022 |
|
|
|
2021 |
|
|
|||||||||||||||||
损益表 |
|
Dec. 31, |
|
|
|
9月30岁, |
|
|
|
6月30日, |
|
|
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|||||
利息收入 |
$ |
|
121,137 |
|
|
$ |
|
112,728 |
|
|
$ |
|
101,981 |
|
|
$ |
|
97,009 |
|
|
$ |
|
95,995 |
|
|
利息支出 |
|
|
17,100 |
|
|
|
|
9,572 |
|
|
|
|
3,199 |
|
|
|
|
1,570 |
|
|
|
|
1,187 |
|
|
净利息收入 |
|
|
104,037 |
|
|
|
|
103,156 |
|
|
|
|
98,782 |
|
|
|
|
95,439 |
|
|
|
|
94,808 |
|
|
信贷损失准备金 |
|
|
4,075 |
|
|
|
|
3,221 |
|
|
|
|
5,350 |
|
|
|
|
4,782 |
|
|
|
|
2,064 |
|
|
扣除信贷损失准备后的净利息收入 |
|
|
99,962 |
|
|
|
|
99,935 |
|
|
|
|
93,432 |
|
|
|
|
90,657 |
|
|
|
|
92,744 |
|
|
非利息收入 |
|
|
28,524 |
|
|
|
|
30,943 |
|
|
|
|
37,317 |
|
|
|
|
34,881 |
|
|
|
|
34,903 |
|
|
非利息支出 |
|
|
57,778 |
|
|
|
|
59,442 |
|
|
|
|
58,333 |
|
|
|
|
59,225 |
|
|
|
|
61,672 |
|
|
所得税前净收益 |
|
|
70,708 |
|
|
|
|
71,436 |
|
|
|
|
72,416 |
|
|
|
|
66,313 |
|
|
|
|
65,975 |
|
|
所得税费用 |
|
|
12,040 |
|
|
|
|
12,095 |
|
|
|
|
11,922 |
|
|
|
|
10,341 |
|
|
|
|
10,638 |
|
|
净收入 |
$ |
|
58,668 |
|
|
$ |
|
59,341 |
|
|
$ |
|
60,494 |
|
|
$ |
|
55,972 |
|
|
$ |
|
55,337 |
|
|
每普通股数据 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
净收入--基本收入 |
$ |
|
0.41 |
|
|
$ |
|
0.42 |
|
|
$ |
|
0.42 |
|
|
$ |
|
0.39 |
|
|
$ |
|
0.39 |
|
|
净收益--摊薄 |
|
|
0.41 |
|
|
|
|
0.41 |
|
|
|
|
0.42 |
|
|
|
|
0.39 |
|
|
|
|
0.39 |
|
|
宣布的现金股利 |
|
|
0.17 |
|
|
|
|
0.17 |
|
|
|
|
0.17 |
|
|
|
|
0.15 |
|
|
|
|
0.15 |
|
|
账面价值 |
|
|
8.87 |
|
|
|
|
7.94 |
|
|
|
|
9.32 |
|
|
|
|
10.43 |
|
|
|
|
12.34 |
|
|
有形账面价值 |
|
|
6.66 |
|
|
|
|
5.73 |
|
|
|
|
7.10 |
|
|
|
|
8.21 |
|
|
|
|
10.12 |
|
|
市场价值 |
|
|
34.40 |
|
|
|
|
41.83 |
|
|
|
|
39.27 |
|
|
|
|
44.12 |
|
|
|
|
50.84 |
|
|
流通股--期末 |
|
|
142,657,871 |
|
|
|
|
142,628,163 |
|
|
|
|
142,586,601 |
|
|
|
|
142,704,495 |
|
|
|
|
142,532,116 |
|
|
平均流通股-基本 |
|
|
142,619,632 |
|
|
|
|
142,524,500 |
|
|
|
|
142,682,251 |
|
|
|
|
142,558,743 |
|
|
|
|
142,437,804 |
|
|
平均流通股--稀释后 |
|
|
143,071,538 |
|
|
|
|
143,126,088 |
|
|
|
|
143,238,669 |
|
|
|
|
143,302,063 |
|
|
|
|
143,251,521 |
|
|
绩效比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
平均资产回报率 |
|
|
1.76 |
|
% |
|
|
1.76 |
|
% |
|
|
1.82 |
|
% |
|
|
1.71 |
|
% |
|
|
1.74 |
|
% |
平均股本回报率 |
|
|
19.87 |
|
|
|
|
17.31 |
|
|
|
|
17.26 |
|
|
|
|
13.53 |
|
|
|
|
12.63 |
|
|
平均有形权益回报率 |
|
|
27.20 |
|
|
|
|
22.55 |
|
|
|
|
22.27 |
|
|
|
|
16.68 |
|
|
|
|
15.45 |
|
|
净息差(税额等值) |
|
|
3.36 |
|
|
|
|
3.32 |
|
|
|
|
3.28 |
|
|
|
|
3.22 |
|
|
|
|
3.29 |
|
|
效率比 |
|
|
43.52 |
|
|
|
|
43.76 |
|
|
|
|
41.83 |
|
|
|
|
44.16 |
|
|
|
|
46.18 |
|
|
第一金融银行股份有限公司
综合财务摘要(未经审计)
(以千为单位,不包括每股和每股数据)
|
截至的年度 |
|
|
|||||||
|
Dec. 31, |
|
|
|||||||
损益表 |
|
2022 |
|
|
|
2021 |
|
|
||
利息收入 |
$ |
|
432,854 |
|
|
$ |
|
376,405 |
|
|
利息支出 |
|
|
31,440 |
|
|
|
|
6,042 |
|
|
净利息收入 |
|
|
401,414 |
|
|
|
|
370,363 |
|
|
信贷损失准备金 |
|
|
17,427 |
|
|
|
|
(1,139 |
) |
|
扣除信贷损失准备后的净利息收入 |
|
|
383,987 |
|
|
|
|
371,502 |
|
|
非利息收入 |
|
|
131,665 |
|
|
|
|
142,176 |
|
|
非利息支出 |
|
|
234,778 |
|
|
|
|
241,708 |
|
|
所得税前净收益 |
|
|
280,874 |
|
|
|
|
271,970 |
|
|
所得税费用 |
|
|
46,399 |
|
|
|
|
44,408 |
|
|
净收入 |
$ |
|
234,475 |
|
|
$ |
|
227,562 |
|
|
|
|
|
|
|
|
|
|
|
||
每普通股数据 |
|
|
|
|
|
|
|
|
||
净收入--基本收入 |
$ |
|
1.64 |
|
|
$ |
|
1.60 |
|
|
净收益--摊薄 |
|
|
1.64 |
|
|
|
|
1.59 |
|
|
宣布的现金股利 |
|
|
0.66 |
|
|
|
|
0.58 |
|
|
账面价值 |
|
|
8.87 |
|
|
|
|
12.34 |
|
|
有形账面价值 |
|
|
6.66 |
|
|
|
|
10.12 |
|
|
市场价值 |
$ |
|
34.40 |
|
|
$ |
|
50.84 |
|
|
流通股--期末 |
|
|
142,657,871 |
|
|
|
|
142,532,116 |
|
|
平均流通股-基本 |
|
|
142,596,252 |
|
|
|
|
142,291,939 |
|
|
平均流通股--稀释后 |
|
|
143,207,899 |
|
|
|
|
143,134,220 |
|
|
|
|
|
|
|
|
|
|
|
||
绩效比率 |
|
|
|
|
|
|
|
|
||
平均资产回报率 |
|
|
1.76 |
|
% |
|
|
1.89 |
|
% |
平均股本回报率 |
|
|
16.72 |
|
|
|
|
13.31 |
|
|
平均有形权益回报率 |
|
|
21.59 |
|
|
|
|
16.35 |
|
|
净息差(税额等值) |
|
|
3.29 |
|
|
|
|
3.40 |
|
|
效率比 |
|
|
43.30 |
|
|
|
|
45.84 |
|
|
第一金融银行股份有限公司
选定的财务数据(未经审计)
(单位:千)
|
截至的季度 |
||||||||||||||||||||||||
|
2022 |
|
|
|
2021 |
|
|
||||||||||||||||||
贷款损失准备 |
|
Dec. 31, |
|
|
|
9月30岁, |
|
|
|
6月30日, |
|
|
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|||||
期初余额 |
$ |
|
74,108 |
|
|
$ |
|
71,932 |
|
|
$ |
|
66,913 |
|
|
$ |
|
63,465 |
|
|
$ |
|
63,370 |
|
|
贷款已注销 |
|
|
(1,225 |
) |
|
|
|
(293 |
) |
|
|
|
(275 |
) |
|
|
|
(659 |
) |
|
|
|
(3,067 |
) |
|
贷款回收 |
|
|
320 |
|
|
|
|
1,409 |
|
|
|
|
1,191 |
|
|
|
|
360 |
|
|
|
|
783 |
|
|
净回收(冲销) |
|
|
(905 |
) |
|
|
|
1,116 |
|
|
|
|
916 |
|
|
|
|
(299 |
) |
|
|
|
(2,284 |
) |
|
贷款损失准备金 |
|
|
2,631 |
|
|
|
|
1,060 |
|
|
|
|
4,103 |
|
|
|
|
3,747 |
|
|
|
|
2,379 |
|
|
期末余额 |
$ |
|
75,834 |
|
|
$ |
|
74,108 |
|
|
$ |
|
71,932 |
|
|
$ |
|
66,913 |
|
|
$ |
|
63,465 |
|
|
对未筹措资金的承付款项的拨备 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
期初余额 |
$ |
|
10,879 |
|
|
$ |
|
8,718 |
|
|
$ |
|
7,471 |
|
|
$ |
|
6,436 |
|
|
$ |
|
6,751 |
|
|
为未筹措资金的承付款项编列的准备金 |
|
|
1,444 |
|
|
|
|
2,161 |
|
|
|
|
1,247 |
|
|
|
|
1,035 |
|
|
|
|
(315 |
) |
|
期末余额 |
$ |
|
12,323 |
|
|
$ |
|
10,879 |
|
|
$ |
|
8,718 |
|
|
$ |
|
7,471 |
|
|
$ |
|
6,436 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
贷款损失准备/ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
投资持有的期末贷款 |
|
|
1.18 |
|
% |
|
|
1.18 |
|
% |
|
|
1.22 |
|
% |
|
|
1.20 |
|
% |
|
|
1.18 |
|
% |
贷款损失准备/ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
不良贷款 |
|
|
311.75 |
|
|
|
|
301.02 |
|
|
|
|
281.90 |
|
|
|
|
232.71 |
|
|
|
|
200.33 |
|
|
净冲销(收回)/平均贷款总额 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
(按年计算) |
|
|
0.06 |
|
|
|
|
(0.07 |
) |
|
|
|
(0.06 |
) |
|
|
|
0.02 |
|
|
|
|
0.17 |
|
|
|
截至的季度 |
||||||||||||||||||||||||
|
2022 |
|
|
|
2021 |
|
|
||||||||||||||||||
为投资而持有的贷款的构成 |
|
Dec. 31, |
|
|
|
9月30岁, |
|
|
|
6月30日, |
|
|
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|||||
商业广告: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
C&I |
$ |
|
917,148 |
|
|
$ |
|
871,133 |
|
|
$ |
|
837,627 |
|
|
$ |
|
822,310 |
|
|
$ |
|
784,282 |
|
|
PPP |
|
|
169 |
|
|
|
|
202 |
|
|
|
|
2,301 |
|
|
|
|
15,739 |
|
|
|
|
52,793 |
|
|
市政 |
|
|
221,090 |
|
|
|
|
214,852 |
|
|
|
|
200,577 |
|
|
|
|
191,799 |
|
|
|
|
177,905 |
|
|
商业总金额 |
|
|
1,138,407 |
|
|
|
|
1,086,187 |
|
|
|
|
1,040,505 |
|
|
|
|
1,029,848 |
|
|
|
|
1,014,980 |
|
|
农耕 |
|
|
76,947 |
|
|
|
|
76,937 |
|
|
|
|
90,420 |
|
|
|
|
82,883 |
|
|
|
|
98,089 |
|
|
房地产: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
建设与发展 |
|
|
959,426 |
|
|
|
|
938,051 |
|
|
|
|
928,644 |
|
|
|
|
806,211 |
|
|
|
|
749,793 |
|
|
农场 |
|
|
306,322 |
|
|
|
|
268,139 |
|
|
|
|
250,028 |
|
|
|
|
225,942 |
|
|
|
|
217,220 |
|
|
非拥有者占用的CRE |
|
|
732,089 |
|
|
|
|
717,738 |
|
|
|
|
636,432 |
|
|
|
|
636,160 |
|
|
|
|
623,434 |
|
|
所有者占用的CRE |
|
|
954,400 |
|
|
|
|
945,665 |
|
|
|
|
909,899 |
|
|
|
|
881,181 |
|
|
|
|
821,653 |
|
|
住宅 |
|
|
1,575,758 |
|
|
|
|
1,536,180 |
|
|
|
|
1,412,125 |
|
|
|
|
1,352,162 |
|
|
|
|
1,334,419 |
|
|
总房地产 |
|
|
4,527,995 |
|
|
|
|
4,405,773 |
|
|
|
|
4,137,128 |
|
|
|
|
3,901,656 |
|
|
|
|
3,746,519 |
|
|
消费者: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
自动 |
|
|
550,635 |
|
|
|
|
538,798 |
|
|
|
|
468,147 |
|
|
|
|
419,818 |
|
|
|
|
405,416 |
|
|
非自动 |
|
|
147,884 |
|
|
|
|
147,793 |
|
|
|
|
142,382 |
|
|
|
|
131,964 |
|
|
|
|
123,968 |
|
|
总消费额 |
|
|
698,519 |
|
|
|
|
686,591 |
|
|
|
|
610,529 |
|
|
|
|
551,782 |
|
|
|
|
529,384 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
持有用于投资的贷款总额 |
$ |
|
6,441,868 |
|
|
$ |
|
6,255,488 |
|
|
$ |
|
5,878,582 |
|
|
$ |
|
5,566,169 |
|
|
$ |
|
5,388,972 |
|
|
贷款分类摘要 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
特别提及 |
$ |
|
49,382 |
|
|
$ |
|
43,149 |
|
|
$ |
|
46,512 |
|
|
$ |
|
47,445 |
|
|
$ |
|
55,670 |
|
|
不合标准 |
|
|
101,316 |
|
|
|
|
100,568 |
|
|
|
|
106,156 |
|
|
|
|
104,715 |
|
|
|
|
105,515 |
|
|
值得怀疑 |
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
分类贷款总额 |
$ |
|
150,698 |
|
|
$ |
|
143,717 |
|
|
$ |
|
152,668 |
|
|
$ |
|
152,160 |
|
|
$ |
|
161,185 |
|
|
不良资产 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
非权责发生制贷款 |
$ |
|
24,306 |
|
|
$ |
|
24,585 |
|
|
$ |
|
25,475 |
|
|
$ |
|
28,723 |
|
|
$ |
|
31,652 |
|
|
应计问题债务重组贷款 |
|
|
19 |
|
|
|
|
19 |
|
|
|
|
20 |
|
|
|
|
20 |
|
|
|
|
21 |
|
|
应计逾期90天的贷款 |
|
|
- |
|
|
|
|
15 |
|
|
|
|
22 |
|
|
|
|
11 |
|
|
|
|
8 |
|
|
不良贷款总额 |
|
|
24,325 |
|
|
|
|
24,619 |
|
|
|
|
25,517 |
|
|
|
|
28,754 |
|
|
|
|
31,681 |
|
|
止赎资产 |
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
2,477 |
|
|
不良资产总额 |
$ |
|
24,325 |
|
|
$ |
|
24,619 |
|
|
$ |
|
25,517 |
|
|
$ |
|
28,754 |
|
|
$ |
|
34,158 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
作为持有的投资贷款和止赎资产的百分比 |
|
|
0.38 |
|
% |
|
|
0.39 |
|
% |
|
|
0.43 |
|
% |
|
|
0.52 |
|
% |
|
|
0.63 |
|
% |
占期末总资产的百分比 |
|
|
0.19 |
|
|
|
|
0.19 |
|
|
|
|
0.19 |
|
|
|
|
0.22 |
|
|
|
|
0.26 |
|
|
第一金融银行股份有限公司
选定的财务数据(未经审计)
(单位:千)
|
截至的季度 |
||||||||||||||||||||||||
|
2022 |
|
|
|
2021 |
|
|
||||||||||||||||||
资本比率 |
|
Dec. 31, |
|
|
|
9月30岁, |
|
|
|
6月30日, |
|
|
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|||||
普通股一级资本比率 |
|
|
18.22 |
|
% |
|
|
18.03 |
|
% |
|
|
18.50 |
|
% |
|
|
19.00 |
|
% |
|
|
19.35 |
|
% |
一级资本充足率 |
|
|
18.22 |
|
|
|
|
18.03 |
|
|
|
|
18.50 |
|
|
|
|
19.00 |
|
|
|
|
19.35 |
|
|
总资本比率 |
|
|
19.29 |
|
|
|
|
19.07 |
|
|
|
|
19.54 |
|
|
|
|
20.01 |
|
|
|
|
20.34 |
|
|
第1级杠杆率 |
|
|
10.96 |
|
|
|
|
10.79 |
|
|
|
|
10.65 |
|
|
|
|
10.78 |
|
|
|
|
11.13 |
|
|
有形普通股权益比率 |
|
|
7.51 |
|
|
|
|
6.38 |
|
|
|
|
7.83 |
|
|
|
|
9.02 |
|
|
|
|
11.28 |
|
|
权益/资产比率 |
|
|
9.76 |
|
|
|
|
8.64 |
|
|
|
|
10.02 |
|
|
|
|
11.18 |
|
|
|
|
13.43 |
|
|
|
截至的季度 |
||||||||||||||||||||||||
|
2022 |
|
|
|
2021 |
|
|
||||||||||||||||||
非利息收入 |
|
Dec. 31, |
|
|
|
9月30岁, |
|
|
|
6月30日, |
|
|
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|||||
信托费 |
$ |
|
10,122 |
|
|
$ |
|
10,314 |
|
|
$ |
|
9,742 |
|
|
$ |
|
9,817 |
|
|
$ |
|
9,670 |
|
|
押金手续费 |
|
|
6,397 |
|
|
|
|
6,399 |
|
|
|
|
6,038 |
|
|
|
|
5,706 |
|
|
|
|
5,762 |
|
|
借记卡费用 |
|
|
5,899 |
|
|
|
|
5,587 |
|
|
|
|
9,868 |
|
|
|
|
8,926 |
|
|
|
|
9,353 |
|
|
信用卡手续费 |
|
|
632 |
|
|
|
|
651 |
|
|
|
|
700 |
|
|
|
|
602 |
|
|
|
|
602 |
|
|
售卖收益及按揭贷款费用 |
|
|
2,904 |
|
|
|
|
4,070 |
|
|
|
|
5,728 |
|
|
|
|
6,333 |
|
|
|
|
6,272 |
|
|
出售可供出售证券的净收益 |
|
|
131 |
|
|
|
|
334 |
|
|
|
|
1,648 |
|
|
|
|
31 |
|
|
|
|
1 |
|
|
出售丧失抵押品赎回权资产的净收益 |
|
|
- |
|
|
|
|
349 |
|
|
|
|
18 |
|
|
|
|
1,084 |
|
|
|
|
107 |
|
|
出售资产的净收益(亏损) |
|
|
(2 |
) |
|
|
|
526 |
|
|
|
|
6 |
|
|
|
|
(10 |
) |
|
|
|
(3 |
) |
|
收回贷款的利息 |
|
|
244 |
|
|
|
|
664 |
|
|
|
|
1,649 |
|
|
|
|
283 |
|
|
|
|
1,207 |
|
|
其他非利息收入 |
|
|
2,197 |
|
|
|
|
2,049 |
|
|
|
|
1,920 |
|
|
|
|
2,109 |
|
|
|
|
1,932 |
|
|
非利息收入总额 |
$ |
|
28,524 |
|
|
$ |
|
30,943 |
|
|
$ |
|
37,317 |
|
|
$ |
|
34,881 |
|
|
$ |
|
34,903 |
|
|
非利息支出 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
工资、佣金和员工福利,不包括利润分享 |
$ |
|
32,391 |
|
|
$ |
|
33,129 |
|
|
$ |
|
31,840 |
|
|
$ |
|
32,540 |
|
|
$ |
|
31,876 |
|
|
利润分成费用 |
|
|
565 |
|
|
|
|
763 |
|
|
|
|
1,307 |
|
|
|
|
1,598 |
|
|
|
|
3,099 |
|
|
入住费净额 |
|
|
3,350 |
|
|
|
|
3,440 |
|
|
|
|
3,292 |
|
|
|
|
3,225 |
|
|
|
|
3,333 |
|
|
设备费用 |
|
|
2,053 |
|
|
|
|
2,396 |
|
|
|
|
2,346 |
|
|
|
|
2,257 |
|
|
|
|
2,382 |
|
|
FDIC评估费 |
|
|
1,021 |
|
|
|
|
917 |
|
|
|
|
904 |
|
|
|
|
869 |
|
|
|
|
848 |
|
|
借记卡费用 |
|
|
3,054 |
|
|
|
|
3,013 |
|
|
|
|
3,200 |
|
|
|
|
2,964 |
|
|
|
|
3,221 |
|
|
律师费、税费和律师费 |
|
|
2,814 |
|
|
|
|
2,604 |
|
|
|
|
2,513 |
|
|
|
|
2,957 |
|
|
|
|
2,835 |
|
|
审计费 |
|
|
451 |
|
|
|
|
451 |
|
|
|
|
450 |
|
|
|
|
451 |
|
|
|
|
423 |
|
|
印刷、文具和用品 |
|
|
473 |
|
|
|
|
600 |
|
|
|
|
501 |
|
|
|
|
540 |
|
|
|
|
664 |
|
|
无形资产摊销 |
|
|
299 |
|
|
|
|
306 |
|
|
|
|
320 |
|
|
|
|
320 |
|
|
|
|
391 |
|
|
广告、餐饮和公关 |
|
|
1,646 |
|
|
|
|
1,692 |
|
|
|
|
1,554 |
|
|
|
|
1,493 |
|
|
|
|
1,842 |
|
|
运营亏损和其他亏损 |
|
|
982 |
|
|
|
|
869 |
|
|
|
|
782 |
|
|
|
|
596 |
|
|
|
|
1,385 |
|
|
软件摊销和费用 |
|
|
2,420 |
|
|
|
|
2,564 |
|
|
|
|
2,522 |
|
|
|
|
2,457 |
|
|
|
|
2,817 |
|
|
其他非利息支出 |
|
|
6,259 |
|
|
|
|
6,698 |
|
|
|
|
6,802 |
|
|
|
|
6,958 |
|
|
|
|
6,556 |
|
|
总非利息支出 |
$ |
|
57,778 |
|
|
$ |
|
59,442 |
|
|
$ |
|
58,333 |
|
|
$ |
|
59,225 |
|
|
$ |
|
61,672 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
税额当量收益率调整 |
$ |
|
187 |
|
|
$ |
|
1,737 |
|
|
$ |
|
3,366 |
|
|
$ |
|
3,782 |
|
|
$ |
|
3,841 |
|
|
第一金融银行股份有限公司
选定的财务数据(未经审计)
(单位:千)
|
截至的年度 |
|
|||||||
|
Dec. 31, |
|
|||||||
非利息收入 |
|
2022 |
|
|
|
2021 |
|
||
信托费 |
$ |
|
39,995 |
|
|
$ |
|
36,145 |
|
押金手续费 |
|
|
24,540 |
|
|
|
|
21,156 |
|
借记卡费用 |
|
|
30,280 |
|
|
|
|
35,905 |
|
信用卡手续费 |
|
|
2,585 |
|
|
|
|
2,373 |
|
售卖收益及按揭贷款费用 |
|
|
19,035 |
|
|
|
|
33,245 |
|
出售可供出售证券的净收益 |
|
|
2,144 |
|
|
|
|
815 |
|
出售丧失抵押品赎回权资产的净收益 |
|
|
1,451 |
|
|
|
|
190 |
|
出售资产的净收益(亏损) |
|
|
520 |
|
|
|
|
210 |
|
收回贷款的利息 |
|
|
2,840 |
|
|
|
|
4,039 |
|
其他非利息收入 |
|
|
8,275 |
|
|
|
|
8,098 |
|
非利息收入总额 |
$ |
|
131,665 |
|
|
$ |
|
142,176 |
|
|
|
|
|
|
|
|
|
||
非利息支出 |
|
|
|
|
|
|
|
||
工资、佣金和员工福利,不包括利润分享 |
$ |
|
129,900 |
|
|
$ |
|
131,908 |
|
利润分成费用 |
|
|
4,233 |
|
|
|
|
10,134 |
|
入住费净额 |
|
|
13,307 |
|
|
|
|
13,009 |
|
设备费用 |
|
|
9,052 |
|
|
|
|
9,173 |
|
FDIC评估费 |
|
|
3,711 |
|
|
|
|
3,130 |
|
借记卡费用 |
|
|
12,231 |
|
|
|
|
11,957 |
|
律师费、税费和律师费 |
|
|
10,888 |
|
|
|
|
11,806 |
|
审计费 |
|
|
1,803 |
|
|
|
|
1,759 |
|
印刷、文具和用品 |
|
|
2,114 |
|
|
|
|
1,910 |
|
无形资产摊销 |
|
|
1,245 |
|
|
|
|
1,613 |
|
广告、餐饮和公关 |
|
|
6,385 |
|
|
|
|
6,368 |
|
运营亏损和其他亏损 |
|
|
3,229 |
|
|
|
|
3,293 |
|
软件摊销和费用 |
|
|
9,963 |
|
|
|
|
11,120 |
|
其他非利息支出 |
|
|
26,717 |
|
|
|
|
24,528 |
|
总非利息支出 |
$ |
|
234,778 |
|
|
$ |
|
241,708 |
|
|
|
|
|
|
|
|
|
||
税额当量收益率调整 |
$ |
|
9,071 |
|
|
$ |
|
14,691 |
|
第一金融银行股份有限公司
选定的财务数据(未经审计)
(单位:千)
|
截至三个月 |
|
|
|
截至三个月 |
||||||||||||||||||||||||||||
|
Dec. 31, 2022 |
|
|
|
Sept. 30, 2022 |
||||||||||||||||||||||||||||
|
|
平均值 |
|
|
|
税额当量 |
|
|
|
收益率/ |
|
|
|
|
|
|
平均值 |
|
|
|
税额当量 |
|
|
|
收益率/ |
|
|
||||||
|
|
天平 |
|
|
|
利息 |
|
|
|
费率 |
|
|
|
|
|
|
天平 |
|
|
|
利息 |
|
|
|
费率 |
|
|
||||||
生息资产: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
出售的联邦基金 |
$ |
|
3,165 |
|
|
$ |
|
36 |
|
|
|
|
4.57 |
|
% |
|
|
|
$ |
|
3,107 |
|
|
$ |
|
19 |
|
|
|
|
2.49 |
|
% |
非关联银行的有息活期存款 |
|
|
160,200 |
|
|
|
|
1,579 |
|
|
|
|
3.91 |
|
|
|
|
|
|
|
248,929 |
|
|
|
|
1,413 |
|
|
|
|
2.25 |
|
|
应税证券 |
|
|
3,761,206 |
|
|
|
|
21,152 |
|
|
|
|
2.25 |
|
|
|
|
|
|
|
4,039,107 |
|
|
|
|
20,799 |
|
|
|
|
2.06 |
|
|
免税证券 |
|
|
2,001,185 |
|
|
|
|
12,231 |
|
|
|
|
2.44 |
|
|
|
|
|
|
|
2,164,829 |
|
|
|
|
14,382 |
|
|
|
|
2.66 |
|
|
贷款 |
|
|
6,391,703 |
|
|
|
|
86,326 |
|
|
|
|
5.36 |
|
|
|
|
|
|
|
6,082,649 |
|
|
|
|
77,851 |
|
|
|
|
5.08 |
|
|
生息资产总额 |
|
|
12,317,459 |
|
|
$ |
|
121,324 |
|
|
|
|
3.91 |
|
% |
|
|
|
|
|
12,538,621 |
|
|
$ |
|
114,464 |
|
|
|
|
3.62 |
|
% |
非息资产 |
|
|
891,972 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
833,980 |
|
|
|
|
|
|
|
|
|
|
||||
总资产 |
$ |
|
13,209,431 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
13,372,601 |
|
|
|
|
|
|
|
|
|
|
||||
计息负债: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
存款 |
$ |
|
6,871,315 |
|
|
$ |
|
13,123 |
|
|
|
|
0.76 |
|
% |
|
|
|
$ |
|
7,004,478 |
|
|
$ |
|
8,787 |
|
|
|
|
0.50 |
|
% |
借款 |
|
|
927,250 |
|
|
|
|
3,977 |
|
|
|
|
1.70 |
|
|
|
|
|
|
|
768,096 |
|
|
|
|
784 |
|
|
|
|
0.40 |
|
|
计息负债总额 |
|
|
7,798,565 |
|
|
$ |
|
17,100 |
|
|
|
|
0.87 |
|
% |
|
|
|
|
|
7,772,574 |
|
|
$ |
|
9,571 |
|
|
|
|
0.49 |
|
% |
无息存款 |
|
|
4,179,494 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
4,178,675 |
|
|
|
|
|
|
|
|
|
|
||||
其他无息负债 |
|
|
60,085 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
61,320 |
|
|
|
|
|
|
|
|
|
|
||||
股东权益 |
|
|
1,171,287 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1,360,032 |
|
|
|
|
|
|
|
|
|
|
||||
总负债和股东权益 |
$ |
|
13,209,431 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
13,372,601 |
|
|
|
|
|
|
|
|
|
|
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
净利息收入和利润率(税额等值) |
|
|
|
|
$ |
|
104,224 |
|
|
|
|
3.36 |
|
% |
|
|
|
|
|
|
|
$ |
|
104,893 |
|
|
|
|
3.32 |
|
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
|
截至三个月 |
|
|
|
截至三个月 |
||||||||||||||||||||||||||||
|
June 30, 2022 |
|
|
|
Mar. 31, 2022 |
||||||||||||||||||||||||||||
|
|
平均值 |
|
|
|
税额当量 |
|
|
|
收益率/ |
|
|
|
|
|
|
平均值 |
|
|
|
税额当量 |
|
|
|
收益率/ |
|
|
||||||
|
|
天平 |
|
|
|
利息 |
|
|
|
费率 |
|
|
|
|
|
|
天平 |
|
|
|
利息 |
|
|
|
费率 |
|
|
||||||
生息资产: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
出售的联邦基金 |
$ |
|
1,466 |
|
|
$ |
|
5 |
|
|
|
|
1.45 |
|
% |
|
|
|
$ |
|
1,015 |
|
|
$ |
|
1 |
|
|
|
|
0.52 |
|
% |
非关联银行的有息活期存款 |
|
|
288,784 |
|
|
|
|
547 |
|
|
|
|
0.76 |
|
|
|
|
|
|
|
171,970 |
|
|
|
|
94 |
|
|
|
|
0.22 |
|
|
应税证券 |
|
|
4,101,751 |
|
|
|
|
19,151 |
|
|
|
|
1.87 |
|
|
|
|
|
|
|
4,231,949 |
|
|
|
|
17,823 |
|
|
|
|
1.68 |
|
|
免税证券 |
|
|
2,376,324 |
|
|
|
|
17,166 |
|
|
|
|
2.89 |
|
|
|
|
|
|
|
2,612,025 |
|
|
|
|
18,107 |
|
|
|
|
2.77 |
|
|
贷款 |
|
|
5,720,804 |
|
|
|
|
68,478 |
|
|
|
|
4.80 |
|
|
|
|
|
|
|
5,487,538 |
|
|
|
|
64,766 |
|
|
|
|
4.79 |
|
|
生息资产总额 |
|
|
12,489,129 |
|
|
$ |
|
105,347 |
|
|
|
|
3.38 |
|
% |
|
|
|
|
|
12,504,497 |
|
|
$ |
|
100,791 |
|
|
|
|
3.27 |
|
% |
非息资产 |
|
|
825,711 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
744,810 |
|
|
|
|
|
|
|
|
|
|
||||
总资产 |
$ |
|
13,314,840 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
13,249,307 |
|
|
|
|
|
|
|
|
|
|
||||
计息负债: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
存款 |
$ |
|
7,049,041 |
|
|
$ |
|
2,967 |
|
|
|
|
0.17 |
|
% |
|
|
|
$ |
|
6,898,059 |
|
|
$ |
|
1,369 |
|
|
|
|
0.08 |
|
% |
借款 |
|
|
730,477 |
|
|
|
|
232 |
|
|
|
|
0.13 |
|
|
|
|
|
|
|
781,314 |
|
|
|
|
201 |
|
|
|
|
0.10 |
|
|
计息负债总额 |
|
|
7,779,518 |
|
|
$ |
|
3,199 |
|
|
|
|
0.16 |
|
% |
|
|
|
|
|
7,679,373 |
|
|
$ |
|
1,570 |
|
|
|
|
0.08 |
|
% |
无息存款 |
|
|
4,064,207 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3,827,451 |
|
|
|
|
|
|
|
|
|
|
||||
其他无息负债 |
|
|
65,475 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
64,999 |
|
|
|
|
|
|
|
|
|
|
||||
股东权益 |
|
|
1,405,640 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1,677,484 |
|
|
|
|
|
|
|
|
|
|
||||
总负债和股东权益 |
$ |
|
13,314,840 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
13,249,307 |
|
|
|
|
|
|
|
|
|
|
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
净利息收入和利润率(税额等值) |
|
|
|
|
$ |
|
102,148 |
|
|
|
|
3.28 |
|
% |
|
|
|
|
|
|
|
$ |
|
99,221 |
|
|
|
|
3.22 |
|
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
|
截至三个月 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||||
|
Dec. 31, 2021 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||||
|
|
平均值 |
|
|
|
税额当量 |
|
|
|
收益率/ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
|
|
天平 |
|
|
|
利息 |
|
|
|
费率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
生息资产: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
出售的联邦基金 |
$ |
|
82 |
|
|
$ |
|
- |
|
|
|
|
0.48 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
非关联银行的有息活期存款 |
|
|
320,102 |
|
|
|
|
124 |
|
|
|
|
0.15 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
应税证券 |
|
|
3,590,137 |
|
|
|
|
13,556 |
|
|
|
|
1.51 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
免税证券 |
|
|
2,636,360 |
|
|
|
|
18,163 |
|
|
|
|
2.76 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
贷款 |
|
|
5,347,069 |
|
|
|
|
67,993 |
|
|
|
|
5.04 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
生息资产总额 |
|
|
11,893,750 |
|
|
$ |
|
99,836 |
|
|
|
|
3.33 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
非息资产 |
|
|
726,932 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
总资产 |
$ |
|
12,620,682 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
计息负债: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
存款 |
$ |
|
6,399,343 |
|
|
$ |
|
1,110 |
|
|
|
|
0.07 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
借款 |
|
|
639,725 |
|
|
|
|
77 |
|
|
|
|
0.05 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
计息负债总额 |
|
|
7,039,068 |
|
|
$ |
|
1,187 |
|
|
|
|
0.07 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
无息存款 |
|
|
3,744,848 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
其他无息负债 |
|
|
99,091 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
股东权益 |
|
|
1,737,675 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
总负债和股东权益 |
$ |
|
12,620,682 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
净利息收入和利润率(税额等值) |
|
|
|
|
$ |
|
98,649 |
|
|
|
|
3.29 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
第一金融银行股份有限公司
选定的财务数据(未经审计)
(单位:千)
|
截至的年度 |
|
|
|
截至的年度 |
||||||||||||||||||||||||||||
|
Dec. 31, 2022 |
|
|
|
Dec. 31, 2021 |
||||||||||||||||||||||||||||
|
|
平均值 |
|
|
|
税额当量 |
|
|
|
收益率/ |
|
|
|
|
|
|
平均值 |
|
|
|
税额当量 |
|
|
|
收益率/ |
|
|
||||||
|
|
天平 |
|
|
|
利息 |
|
|
|
费率 |
|
|
|
|
|
|
天平 |
|
|
|
利息 |
|
|
|
费率 |
|
|
||||||
生息资产: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
出售的联邦基金 |
$ |
|
2,196 |
|
|
$ |
|
63 |
|
|
|
|
2.85 |
|
% |
|
|
|
$ |
|
1,651 |
|
|
$ |
|
9 |
|
|
|
|
0.55 |
|
% |
非关联银行的有息活期存款 |
|
|
217,525 |
|
|
|
|
3,633 |
|
|
|
|
1.67 |
|
|
|
|
|
|
|
590,843 |
|
|
|
|
730 |
|
|
|
|
0.12 |
|
|
应税证券 |
|
|
4,032,228 |
|
|
|
|
78,924 |
|
|
|
|
1.96 |
|
|
|
|
|
|
|
2,898,924 |
|
|
|
|
47,390 |
|
|
|
|
1.63 |
|
|
免税证券 |
|
|
2,286,578 |
|
|
|
|
61,886 |
|
|
|
|
2.71 |
|
|
|
|
|
|
|
2,503,220 |
|
|
|
|
70,253 |
|
|
|
|
2.81 |
|
|
贷款 |
|
|
5,923,594 |
|
|
|
|
297,420 |
|
|
|
|
5.02 |
|
|
|
|
|
|
|
5,341,332 |
|
|
|
|
272,714 |
|
|
|
|
5.11 |
|
|
生息资产总额 |
|
|
12,462,121 |
|
|
$ |
|
441,926 |
|
|
|
|
3.55 |
|
% |
|
|
|
|
|
11,335,970 |
|
|
$ |
|
391,096 |
|
|
|
|
3.45 |
|
% |
非息资产 |
|
|
824,550 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
706,285 |
|
|
|
|
|
|
|
|
|
|
||||
总资产 |
$ |
|
13,286,671 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
12,042,255 |
|
|
|
|
|
|
|
|
|
|
||||
计息负债: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
存款 |
$ |
|
6,955,783 |
|
|
$ |
|
26,246 |
|
|
|
|
0.38 |
|
% |
|
|
|
$ |
|
6,224,621 |
|
|
$ |
|
5,704 |
|
|
|
|
0.09 |
|
% |
借款 |
|
|
802,091 |
|
|
|
|
5,195 |
|
|
|
|
0.65 |
|
|
|
|
|
|
|
556,610 |
|
|
|
|
338 |
|
|
|
|
0.06 |
|
|
计息负债总额 |
|
|
7,757,874 |
|
|
$ |
|
31,441 |
|
|
|
|
0.41 |
|
% |
|
|
|
|
|
6,781,231 |
|
|
$ |
|
6,042 |
|
|
|
|
0.09 |
|
% |
无息存款 |
|
|
4,063,740 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3,449,313 |
|
|
|
|
|
|
|
|
|
|
||||
其他无息负债 |
|
|
62,953 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
102,279 |
|
|
|
|
|
|
|
|
|
|
||||
股东权益 |
|
|
1,402,104 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1,709,432 |
|
|
|
|
|
|
|
|
|
|
||||
总负债和股东权益 |
$ |
|
13,286,671 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
12,042,255 |
|
|
|
|
|
|
|
|
|
|
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
净利息收入和利润率(税额等值) |
|
|
|
|
$ |
|
410,485 |
|
|
|
|
3.29 |
|
% |
|
|
|
|
|
|
|
$ |
|
385,054 |
|
|
|
|
3.40 |
|
% |