用于立即发布 |
欲了解更多信息: 执行副总裁兼首席财务官 Michelle S. Hickox 325.627.7155
|
第一家金融银行股票公布2023年第一季度财报
德克萨斯州阿比林,2023年4月20日——First Financial Bankshares, Inc.(“公司”、“我们” 或 “我们的”)(纳斯达克股票代码:FFIN)今天公布的2023年第一季度收益为5,257万美元,而去年同期的收益为5,597万美元。2023年第一季度的基本和摊薄后每股收益为0.37美元,而去年同期为0.39美元。
如下所述,与去年同期相比,本季度的业绩包括(i)借记卡费用减少了399万美元,(ii)抵押贷款收入减少了336万美元,(iii)联邦存款保险公司的评估费用增加了78.5万美元。抵消这些项目的是(一)信贷损失准备金减少了200万美元,(二)工资和雇员福利支出减少了268万美元。
“我们对业绩感到满意,该季度存款仅略有收缩,这突显了强劲的有机贷款增长。鉴于美联储历史性地提高了利率,我们继续将重点放在符合我们竞争环境的贷款和存款定价上。尽管融资成本增加,但我们仍然有机会将债券现金流再投资到收益率更高的贷款组合中。” First Financial Bankshares, Inc.董事长、总裁兼首席执行官斯科特·杜瑟说。“此外,我们公司的财务实力反映在我们强劲的监管资本比率、多元化的存款基础和获得多种流动性来源的渠道上。我们坚定不移地致力于保持安全、健全和有保障。我们感谢客户、股东和员工的持续支持。” 杜瑟先生补充说。
2023年第一季度的净利息收入为9,629万美元,而2022年第一季度的净利息收入为9,544万美元。按应纳税等值计算,2023年第一季度的净利率为3.34%,而2022年第一季度为3.22%。2023年第一季度的平均利息收入资产为120.7亿美元,而去年同期为125.0亿美元。
该公司在2023年第一季度的信贷损失准备金为278万美元,而2022年第一季度的信贷损失准备金为478万美元。截至2023年3月31日,信贷损失备抵总额为8,082万美元,占投资贷款(以下简称 “贷款”)的1.23%,而截至2022年3月31日,为6691万美元,占贷款的1.20%。此外,截至2023年3月31日,无准备金承诺的准备金总额为1,040万美元,而截至2022年3月31日为747万美元。
2023 年第一季度的净回收总额为 27.7 万美元,而 2022 年第一季度的净扣除额为 29.9 万美元。截至2023年3月31日,不良资产占贷款和止赎资产的百分比为0.37%,而截至2022年3月31日为0.52%。截至2023年3月31日,分类贷款总额为1.5706亿美元,而截至2022年3月31日为1.5216亿美元。
2023年第一季度的非利息收入为2,801万美元,而2022年第一季度的非利息收入为3,488万美元,原因如下:
2023年第一季度的非利息支出总额为5,726万美元,而2022年第一季度的非利息支出总额为5,923万美元,原因如下:
2023年第一季度,该公司的效率比率为44.93%,而2022年第一季度的效率比为44.16%。增长是由非利息收入比上年减少所推动的。
截至2023年3月31日,合并总资产为130.1亿美元,而截至2022年3月31日为133.1亿美元。截至2023年3月31日,贷款总额为65.8亿美元,而截至2022年3月31日,贷款总额为55.7亿美元。在2023年第一季度,与2022年12月31日的余额相比,贷款增长了1.3435亿美元,按年计算增长了8.46%。截至2023年3月31日,存款总额为109.4亿美元,而截至2022年3月31日为110亿美元。
在2023年第一季度,公司出售了1.3586亿美元的被归类为可供出售的证券,平均账面收益率为2.92%。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2023年3月31日,预计未来十二个月证券投资组合的到期日现金流为5.9943亿美元。
截至2023年3月31日,股东权益为13.7亿美元,而截至2022年12月31日和2022年3月31日分别为12.7亿美元和14.9亿美元,这主要是由于过去一年的利率变化导致其他综合收益(“OCI”)的变化。截至2023年3月31日,扣除适用税收后,证券投资组合的未实现亏损总额为4.5825亿美元,而截至2022年12月31日和2022年3月31日,未实现亏损分别为5.3523亿美元和2.0958亿美元。
关于第一金融银行股份公司
First Financial Bankshares, Inc. 是一家金融控股公司,通过其子公司北卡罗来纳州第一金融银行经营多个银行区域,在德克萨斯州设有79个分支机构,包括阿比林、阿克顿、奥尔巴尼、阿莱多、阿尔瓦拉多、博蒙特、博伊德、布里奇波特、布罗克、布莱恩、伯勒森、大学站、思科、克莱本、克莱德、康罗、Cut And Shoot、Decatur、Eastland、El Campo、沃思堡、Fulshear、Glen Rose、Granbury、Grapevine、Hereford、Huntsville、Kingwood、Lumberton、Magnolia、Mauriceville、Medlothian、Mineral威尔斯、蒙哥马利、莫兰、新韦弗利、牛顿、敖德萨、奥兰治、帕拉西奥斯、亚瑟港、游骑兵、后起之星、罗比、圣安吉洛、索斯莱克、斯蒂芬维尔、斯威特沃特、汤博尔、特伦特、Trophy Club、Vidor、Waxahachie、Weathorford、Wallis 和 Willow Park。该公司还经营着位于北卡罗来纳州的第一金融信托和资产管理公司,拥有十个分支机构,以及一家科技运营公司First Technology Services, Inc.。
该公司在纳斯达克全球精选市场上市,交易代码为FFIN。有关 First Financial 的更多信息,请访问我们的网站 https://www.ffin.com。
####
根据1995年《私人证券诉讼改革法》的定义,此处包含的某些陈述可能被视为 “前瞻性陈述”。这些陈述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做出的假设,可能以 “预期”、“计划”、“预期”、“目标”、“预测”、“项目” 和 “目标” 等词语来识别,但不一定如此。由于这种 “前瞻性陈述” 受风险和不确定性的影响,因此实际结果可能与此类前瞻性陈述所表达或暗示的结果存在重大差异。可能导致实际业绩与公司预期存在重大差异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、货币和财政政策及法律的影响和变化,包括美联储的利率政策;石油和天然气价格和疫情的经济影响;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;消费者支出的变化以及借款储蓄习惯; 以及收购企业的收购和整合以及类似的变量.其他关键风险在公司向美国证券交易委员会提交的报告中进行了描述,这些报告可以在公司网站上的 “投资者关系文件和申报” 下获取,也可以通过致电或致电325.627.7155获取。除非本新闻公告中另有说明,否则公司不承担因新信息、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。
第一金融银行股份公司
合并财务摘要(未经审计)
(以千计,股票和每股数据除外)
|
截至 |
||||||||||||||||||||||||
|
|
2023 |
|
|
|
2022 |
|
|
|||||||||||||||||
资产 |
|
3月31日 |
|
|
|
12 月 31 日 |
|
|
|
9月30日 |
|
|
|
6月30日 |
|
|
|
3月31日 |
|
|
|||||
银行的现金和应付款 |
$ |
|
224,875 |
|
|
$ |
|
293,286 |
|
|
$ |
|
227,298 |
|
|
$ |
|
242,665 |
|
|
$ |
|
203,187 |
|
|
银行的计息活期存款 |
|
|
221,336 |
|
|
|
|
37,392 |
|
|
|
|
138,484 |
|
|
|
|
222,899 |
|
|
|
|
394,566 |
|
|
投资证券 |
|
|
5,298,557 |
|
|
|
|
5,474,359 |
|
|
|
|
5,745,443 |
|
|
|
|
6,215,036 |
|
|
|
|
6,502,495 |
|
|
为投资而持有的贷款,不包括PPP贷款 |
|
|
6,576,060 |
|
|
|
|
6,441,699 |
|
|
|
|
6,255,286 |
|
|
|
|
5,876,281 |
|
|
|
|
5,550,430 |
|
|
PPP贷款 |
|
|
155 |
|
|
|
|
169 |
|
|
|
|
202 |
|
|
|
|
2,301 |
|
|
|
|
15,739 |
|
|
为投资而持有的贷款总额 |
|
|
6,576,215 |
|
|
|
|
6,441,868 |
|
|
|
|
6,255,488 |
|
|
|
|
5,878,582 |
|
|
|
|
5,566,169 |
|
|
信用损失备抵金 |
|
|
(80,818 |
) |
|
|
|
(75,834 |
) |
|
|
|
(74,108 |
) |
|
|
|
(71,932 |
) |
|
|
|
(66,913 |
) |
|
为投资而持有的净贷款 |
|
|
6,495,397 |
|
|
|
|
6,366,034 |
|
|
|
|
6,181,380 |
|
|
|
|
5,806,650 |
|
|
|
|
5,499,256 |
|
|
待售贷款 |
|
|
11,996 |
|
|
|
|
11,965 |
|
|
|
|
18,815 |
|
|
|
|
26,445 |
|
|
|
|
27,670 |
|
|
房舍和设备,净额 |
|
|
153,718 |
|
|
|
|
152,973 |
|
|
|
|
152,646 |
|
|
|
|
149,280 |
|
|
|
|
150,168 |
|
|
善意 |
|
|
313,481 |
|
|
|
|
313,481 |
|
|
|
|
313,481 |
|
|
|
|
313,481 |
|
|
|
|
313,481 |
|
|
其他无形资产 |
|
|
1,825 |
|
|
|
|
2,053 |
|
|
|
|
2,352 |
|
|
|
|
2,658 |
|
|
|
|
2,978 |
|
|
其他资产 |
|
|
286,801 |
|
|
|
|
322,523 |
|
|
|
|
330,445 |
|
|
|
|
281,098 |
|
|
|
|
220,399 |
|
|
总资产 |
$ |
|
13,007,986 |
|
|
$ |
|
12,974,066 |
|
|
$ |
|
13,110,344 |
|
|
$ |
|
13,260,212 |
|
|
$ |
|
13,314,200 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
负债和股东权益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
无息存款 |
$ |
|
3,890,991 |
|
|
$ |
|
4,061,788 |
|
|
$ |
|
4,200,792 |
|
|
$ |
|
4,104,034 |
|
|
$ |
|
3,978,724 |
|
|
计息存款 |
|
|
7,045,427 |
|
|
|
|
6,943,719 |
|
|
|
|
6,941,326 |
|
|
|
|
7,018,949 |
|
|
|
|
7,021,101 |
|
|
存款总额 |
|
|
10,936,418 |
|
|
|
|
11,005,507 |
|
|
|
|
11,142,118 |
|
|
|
|
11,122,983 |
|
|
|
|
10,999,825 |
|
|
借款 |
|
|
632,927 |
|
|
|
|
642,507 |
|
|
|
|
774,581 |
|
|
|
|
768,364 |
|
|
|
|
758,595 |
|
|
其他负债 |
|
|
65,788 |
|
|
|
|
60,315 |
|
|
|
|
61,030 |
|
|
|
|
39,847 |
|
|
|
|
67,031 |
|
|
股东权益 |
|
|
1,372,853 |
|
|
|
|
1,265,737 |
|
|
|
|
1,132,615 |
|
|
|
|
1,329,018 |
|
|
|
|
1,488,749 |
|
|
负债和股东权益总额 |
$ |
|
13,007,986 |
|
|
$ |
|
12,974,066 |
|
|
$ |
|
13,110,344 |
|
|
$ |
|
13,260,212 |
|
|
$ |
|
13,314,200 |
|
|
|
季度已结束 |
||||||||||||||||||||||||
|
|
2023 |
|
|
|
2022 |
|
|
|||||||||||||||||
损益表 |
|
3月31日 |
|
|
|
12 月 31 日 |
|
|
|
9月30日 |
|
|
|
6月30日 |
|
|
|
3月31日 |
|
|
|||||
利息收入 |
$ |
|
121,508 |
|
|
$ |
|
121,137 |
|
|
$ |
|
112,728 |
|
|
$ |
|
101,981 |
|
|
$ |
|
97,009 |
|
|
利息支出 |
|
|
25,222 |
|
|
|
|
17,100 |
|
|
|
|
9,572 |
|
|
|
|
3,199 |
|
|
|
|
1,570 |
|
|
净利息收入 |
|
|
96,286 |
|
|
|
|
104,037 |
|
|
|
|
103,156 |
|
|
|
|
98,782 |
|
|
|
|
95,439 |
|
|
信贷损失准备金 |
|
|
2,781 |
|
|
|
|
4,075 |
|
|
|
|
3,221 |
|
|
|
|
5,350 |
|
|
|
|
4,782 |
|
|
扣除信贷损失准备金后的净利息收入 |
|
|
93,505 |
|
|
|
|
99,962 |
|
|
|
|
99,935 |
|
|
|
|
93,432 |
|
|
|
|
90,657 |
|
|
非利息收入 |
|
|
28,007 |
|
|
|
|
28,524 |
|
|
|
|
30,943 |
|
|
|
|
37,317 |
|
|
|
|
34,881 |
|
|
非利息支出 |
|
|
57,256 |
|
|
|
|
57,778 |
|
|
|
|
59,442 |
|
|
|
|
58,333 |
|
|
|
|
59,225 |
|
|
所得税前净收入 |
|
|
64,256 |
|
|
|
|
70,708 |
|
|
|
|
71,436 |
|
|
|
|
72,416 |
|
|
|
|
66,313 |
|
|
所得税支出 |
|
|
11,688 |
|
|
|
|
12,040 |
|
|
|
|
12,095 |
|
|
|
|
11,922 |
|
|
|
|
10,341 |
|
|
净收入 |
$ |
|
52,568 |
|
|
$ |
|
58,668 |
|
|
$ |
|
59,341 |
|
|
$ |
|
60,494 |
|
|
$ |
|
55,972 |
|
|
每股普通股数据 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
净收入-基本 |
$ |
|
0.37 |
|
|
$ |
|
0.41 |
|
|
$ |
|
0.42 |
|
|
$ |
|
0.42 |
|
|
$ |
|
0.39 |
|
|
净收益-摊薄 |
|
|
0.37 |
|
|
|
|
0.41 |
|
|
|
|
0.41 |
|
|
|
|
0.42 |
|
|
|
|
0.39 |
|
|
宣布的现金分红 |
|
|
0.17 |
|
|
|
|
0.17 |
|
|
|
|
0.17 |
|
|
|
|
0.17 |
|
|
|
|
0.15 |
|
|
账面价值 |
|
|
9.62 |
|
|
|
|
8.87 |
|
|
|
|
7.94 |
|
|
|
|
9.32 |
|
|
|
|
10.43 |
|
|
有形账面价值 |
|
|
7.41 |
|
|
|
|
6.66 |
|
|
|
|
5.73 |
|
|
|
|
7.10 |
|
|
|
|
8.21 |
|
|
市场价值 |
|
|
31.90 |
|
|
|
|
34.40 |
|
|
|
|
41.83 |
|
|
|
|
39.27 |
|
|
|
|
44.12 |
|
|
已发行股份-期末 |
|
|
142,703,531 |
|
|
|
|
142,657,871 |
|
|
|
|
142,628,163 |
|
|
|
|
142,586,601 |
|
|
|
|
142,704,495 |
|
|
平均已发行股票——基本 |
|
|
142,665,646 |
|
|
|
|
142,619,632 |
|
|
|
|
142,524,500 |
|
|
|
|
142,682,251 |
|
|
|
|
142,558,743 |
|
|
平均已发行股票——摊薄 |
|
|
143,066,011 |
|
|
|
|
143,071,538 |
|
|
|
|
143,126,088 |
|
|
|
|
143,238,669 |
|
|
|
|
143,302,063 |
|
|
性能比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
平均资产回报率 |
|
|
1.65 |
|
% |
|
|
1.76 |
|
% |
|
|
1.76 |
|
% |
|
|
1.82 |
|
% |
|
|
1.71 |
|
% |
平均净资产回报率 |
|
|
16.32 |
|
|
|
|
19.87 |
|
|
|
|
17.31 |
|
|
|
|
17.26 |
|
|
|
|
13.53 |
|
|
平均有形资产回报率 |
|
|
21.51 |
|
|
|
|
27.20 |
|
|
|
|
22.55 |
|
|
|
|
22.27 |
|
|
|
|
16.68 |
|
|
净利率(等值税)* |
|
|
3.34 |
|
|
|
|
3.47 |
|
|
|
|
3.38 |
|
|
|
|
3.30 |
|
|
|
|
3.22 |
|
|
效率比* |
|
|
44.93 |
|
|
|
|
42.39 |
|
|
|
|
43.10 |
|
|
|
|
41.61 |
|
|
|
|
44.16 |
|
|
*计算结果已调整,以消除取消TEFRA的影响 |
第一金融银行股份公司
选定的财务数据(未经审计)
(以千计)
|
季度已结束 |
||||||||||||||||||||||||
|
|
2023 |
|
|
|
2022 |
|
|
|||||||||||||||||
贷款损失备抵金 |
|
3月31日 |
|
|
|
12 月 31 日 |
|
|
|
9月30日 |
|
|
|
6月30日 |
|
|
|
3月31日 |
|
|
|||||
期初余额 |
$ |
|
75,834 |
|
|
$ |
|
74,108 |
|
|
$ |
|
71,932 |
|
|
$ |
|
66,913 |
|
|
$ |
|
63,465 |
|
|
已扣除的贷款 |
|
|
(288 |
) |
|
|
|
(1,225 |
) |
|
|
|
(293 |
) |
|
|
|
(275 |
) |
|
|
|
(659 |
) |
|
贷款收回 |
|
|
565 |
|
|
|
|
320 |
|
|
|
|
1,409 |
|
|
|
|
1,191 |
|
|
|
|
360 |
|
|
净收回额(扣除) |
|
|
277 |
|
|
|
|
(905 |
) |
|
|
|
1,116 |
|
|
|
|
916 |
|
|
|
|
(299 |
) |
|
贷款损失准备金 |
|
|
4,707 |
|
|
|
|
2,631 |
|
|
|
|
1,060 |
|
|
|
|
4,103 |
|
|
|
|
3,747 |
|
|
期末余额 |
$ |
|
80,818 |
|
|
$ |
|
75,834 |
|
|
$ |
|
74,108 |
|
|
$ |
|
71,932 |
|
|
$ |
|
66,913 |
|
|
对无准备金承付款的备抵金 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
期初余额 |
$ |
|
12,323 |
|
|
$ |
|
10,879 |
|
|
$ |
|
8,718 |
|
|
$ |
|
7,471 |
|
|
$ |
|
6,436 |
|
|
为无准备金的承付款编列经费 |
|
|
(1,926 |
) |
|
|
|
1,444 |
|
|
|
|
2,161 |
|
|
|
|
1,247 |
|
|
|
|
1,035 |
|
|
期末余额 |
$ |
|
10,397 |
|
|
$ |
|
12,323 |
|
|
$ |
|
10,879 |
|
|
$ |
|
8,718 |
|
|
$ |
|
7,471 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
贷款损失补贴/ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
为投资而持有的期末贷款 |
|
|
1.23 |
|
% |
|
|
1.18 |
|
% |
|
|
1.18 |
|
% |
|
|
1.22 |
|
% |
|
|
1.20 |
|
% |
贷款损失补贴/ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
不良贷款 |
|
|
334.06 |
|
|
|
|
311.75 |
|
|
|
|
301.02 |
|
|
|
|
281.90 |
|
|
|
|
232.71 |
|
|
净扣除(回收额)/平均贷款总额 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
(按年计算) |
|
|
(0.02 |
) |
|
|
|
0.06 |
|
|
|
|
(0.07 |
) |
|
|
|
(0.06 |
) |
|
|
|
0.02 |
|
|
|
季度已结束 |
||||||||||||||||||||||||
|
|
2023 |
|
|
|
2022 |
|
|
|||||||||||||||||
为投资而持有的贷款的构成 |
|
3月31日 |
|
|
|
12 月 31 日 |
|
|
|
9月30日 |
|
|
|
6月30日 |
|
|
|
3月31日 |
|
|
|||||
商业: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
C&I |
$ |
|
954,531 |
|
|
$ |
|
917,148 |
|
|
$ |
|
871,133 |
|
|
$ |
|
837,627 |
|
|
$ |
|
822,310 |
|
|
购买力平价 |
|
|
155 |
|
|
|
|
169 |
|
|
|
|
202 |
|
|
|
|
2,301 |
|
|
|
|
15,739 |
|
|
市政的 |
|
|
221,379 |
|
|
|
|
221,090 |
|
|
|
|
214,852 |
|
|
|
|
200,577 |
|
|
|
|
191,799 |
|
|
商业总额 |
|
|
1,176,065 |
|
|
|
|
1,138,407 |
|
|
|
|
1,086,187 |
|
|
|
|
1,040,505 |
|
|
|
|
1,029,848 |
|
|
农业 |
|
|
77,017 |
|
|
|
|
76,947 |
|
|
|
|
76,937 |
|
|
|
|
90,420 |
|
|
|
|
82,883 |
|
|
房地产: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
建设与开发 |
|
|
921,190 |
|
|
|
|
959,426 |
|
|
|
|
938,051 |
|
|
|
|
928,644 |
|
|
|
|
806,211 |
|
|
农场 |
|
|
307,706 |
|
|
|
|
306,322 |
|
|
|
|
268,139 |
|
|
|
|
250,028 |
|
|
|
|
225,942 |
|
|
非业主自住的 CRE |
|
|
737,117 |
|
|
|
|
732,089 |
|
|
|
|
717,738 |
|
|
|
|
636,432 |
|
|
|
|
636,160 |
|
|
业主占用 CRE |
|
|
1,043,018 |
|
|
|
|
954,400 |
|
|
|
|
945,665 |
|
|
|
|
909,899 |
|
|
|
|
881,181 |
|
|
住宅 |
|
|
1,628,841 |
|
|
|
|
1,575,758 |
|
|
|
|
1,536,180 |
|
|
|
|
1,412,125 |
|
|
|
|
1,352,162 |
|
|
房地产总额 |
|
|
4,637,872 |
|
|
|
|
4,527,995 |
|
|
|
|
4,405,773 |
|
|
|
|
4,137,128 |
|
|
|
|
3,901,656 |
|
|
消费者: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
汽车 |
|
|
537,410 |
|
|
|
|
550,635 |
|
|
|
|
538,798 |
|
|
|
|
468,147 |
|
|
|
|
419,818 |
|
|
非自动 |
|
|
147,851 |
|
|
|
|
147,884 |
|
|
|
|
147,793 |
|
|
|
|
142,382 |
|
|
|
|
131,964 |
|
|
消费者总数 |
|
|
685,261 |
|
|
|
|
698,519 |
|
|
|
|
686,591 |
|
|
|
|
610,529 |
|
|
|
|
551,782 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
为投资而持有的贷款总额 |
$ |
|
6,576,215 |
|
|
$ |
|
6,441,868 |
|
|
$ |
|
6,255,488 |
|
|
$ |
|
5,878,582 |
|
|
$ |
|
5,566,169 |
|
|
贷款分类摘要 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
特别提及 |
$ |
|
65,141 |
|
|
$ |
|
49,382 |
|
|
$ |
|
43,149 |
|
|
$ |
|
46,512 |
|
|
$ |
|
47,445 |
|
|
不合标准 |
|
|
91,915 |
|
|
|
|
101,316 |
|
|
|
|
100,568 |
|
|
|
|
106,156 |
|
|
|
|
104,715 |
|
|
值得怀疑 |
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
分类贷款总额 |
$ |
|
157,056 |
|
|
$ |
|
150,698 |
|
|
$ |
|
143,717 |
|
|
$ |
|
152,668 |
|
|
$ |
|
152,160 |
|
|
不良资产 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
非应计贷款 |
$ |
|
24,171 |
|
|
$ |
|
24,325 |
|
|
$ |
|
24,604 |
|
|
$ |
|
25,495 |
|
|
$ |
|
28,743 |
|
|
逾期 90 天应计贷款 |
|
|
22 |
|
|
|
|
- |
|
|
|
|
15 |
|
|
|
|
22 |
|
|
|
|
11 |
|
|
不良贷款总额 |
|
|
24,193 |
|
|
|
|
24,325 |
|
|
|
|
24,619 |
|
|
|
|
25,517 |
|
|
|
|
28,754 |
|
|
止赎资产 |
|
|
196 |
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
不良资产总额 |
$ |
|
24,389 |
|
|
$ |
|
24,325 |
|
|
$ |
|
24,619 |
|
|
$ |
|
25,517 |
|
|
$ |
|
28,754 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
占投资贷款和丧失抵押品赎回权的资产的百分比 |
|
|
0.37 |
|
% |
|
|
0.38 |
|
% |
|
|
0.39 |
|
% |
|
|
0.43 |
|
% |
|
|
0.52 |
|
% |
占期末总资产的百分比 |
|
|
0.19 |
|
|
|
|
0.19 |
|
|
|
|
0.19 |
|
|
|
|
0.19 |
|
|
|
|
0.22 |
|
|
第一金融银行股份公司
选定的财务数据(未经审计)
(以千计)
|
季度已结束 |
||||||||||||||||||||||||
|
|
2023 |
|
|
|
2022 |
|
|
|||||||||||||||||
资本比率 |
|
3月31日 |
|
|
|
12 月 31 日 |
|
|
|
9月30日 |
|
|
|
6月30日 |
|
|
|
3月31日 |
|
|
|||||
普通股一级资本比率 |
|
|
18.68 |
|
% |
|
|
18.22 |
|
% |
|
|
18.03 |
|
% |
|
|
18.50 |
|
% |
|
|
19.00 |
|
% |
一级资本比率 |
|
|
18.68 |
|
|
|
|
18.22 |
|
|
|
|
18.03 |
|
|
|
|
18.50 |
|
|
|
|
19.00 |
|
|
总资本比率 |
|
|
19.79 |
|
|
|
|
19.29 |
|
|
|
|
19.07 |
|
|
|
|
19.54 |
|
|
|
|
20.01 |
|
|
1 级杠杆比率 |
|
|
11.53 |
|
|
|
|
10.96 |
|
|
|
|
10.79 |
|
|
|
|
10.65 |
|
|
|
|
10.78 |
|
|
有形普通股权比率 |
|
|
8.33 |
|
|
|
|
7.51 |
|
|
|
|
6.38 |
|
|
|
|
7.83 |
|
|
|
|
9.02 |
|
|
权益/资产比率 |
|
|
10.55 |
|
|
|
|
9.76 |
|
|
|
|
8.64 |
|
|
|
|
10.02 |
|
|
|
|
11.18 |
|
|
|
季度已结束 |
||||||||||||||||||||||||
|
|
2023 |
|
|
|
2022 |
|
|
|||||||||||||||||
非利息收入 |
|
3月31日 |
|
|
|
12 月 31 日 |
|
|
|
9月30日 |
|
|
|
6月30日 |
|
|
|
3月31日 |
|
|
|||||
信托费 |
$ |
|
9,845 |
|
|
$ |
|
10,122 |
|
|
$ |
|
10,314 |
|
|
$ |
|
9,742 |
|
|
$ |
|
9,817 |
|
|
存款服务费 |
|
|
6,036 |
|
|
|
|
6,397 |
|
|
|
|
6,399 |
|
|
|
|
6,038 |
|
|
|
|
5,706 |
|
|
借记卡费用 |
|
|
4,936 |
|
|
|
|
5,899 |
|
|
|
|
5,587 |
|
|
|
|
9,868 |
|
|
|
|
8,926 |
|
|
信用卡费用 |
|
|
609 |
|
|
|
|
632 |
|
|
|
|
651 |
|
|
|
|
700 |
|
|
|
|
602 |
|
|
抵押贷款的销售收益和费用 |
|
|
2,974 |
|
|
|
|
2,904 |
|
|
|
|
4,070 |
|
|
|
|
5,728 |
|
|
|
|
6,333 |
|
|
出售可供出售证券的净收益 |
|
|
12 |
|
|
|
|
131 |
|
|
|
|
334 |
|
|
|
|
1,648 |
|
|
|
|
31 |
|
|
出售丧失抵押品赎回权的资产的净收益 |
|
|
34 |
|
|
|
|
- |
|
|
|
|
349 |
|
|
|
|
18 |
|
|
|
|
1,084 |
|
|
出售资产的净收益(亏损) |
|
|
930 |
|
|
|
|
(2 |
) |
|
|
|
526 |
|
|
|
|
6 |
|
|
|
|
(10 |
) |
|
收回贷款的利息 |
|
|
346 |
|
|
|
|
244 |
|
|
|
|
664 |
|
|
|
|
1,649 |
|
|
|
|
283 |
|
|
其他非利息收入 |
|
|
2,285 |
|
|
|
|
2,197 |
|
|
|
|
2,049 |
|
|
|
|
1,920 |
|
|
|
|
2,109 |
|
|
非利息收入总额 |
$ |
|
28,007 |
|
|
$ |
|
28,524 |
|
|
$ |
|
30,943 |
|
|
$ |
|
37,317 |
|
|
$ |
|
34,881 |
|
|
非利息支出 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
工资、佣金和员工福利,不包括利润分成 |
$ |
|
31,431 |
|
|
$ |
|
32,391 |
|
|
$ |
|
33,129 |
|
|
$ |
|
31,840 |
|
|
$ |
|
32,540 |
|
|
利润分享费用 |
|
|
30 |
|
|
|
|
565 |
|
|
|
|
763 |
|
|
|
|
1,307 |
|
|
|
|
1,598 |
|
|
净占用费用 |
|
|
3,430 |
|
|
|
|
3,350 |
|
|
|
|
3,440 |
|
|
|
|
3,292 |
|
|
|
|
3,225 |
|
|
设备费用 |
|
|
2,127 |
|
|
|
|
2,053 |
|
|
|
|
2,396 |
|
|
|
|
2,346 |
|
|
|
|
2,257 |
|
|
联邦存款保险公司评估费 |
|
|
1,654 |
|
|
|
|
1,021 |
|
|
|
|
917 |
|
|
|
|
904 |
|
|
|
|
869 |
|
|
借记卡费用 |
|
|
3,199 |
|
|
|
|
3,054 |
|
|
|
|
3,013 |
|
|
|
|
3,200 |
|
|
|
|
2,964 |
|
|
法律、税务和专业费用 |
|
|
2,687 |
|
|
|
|
2,814 |
|
|
|
|
2,604 |
|
|
|
|
2,513 |
|
|
|
|
2,957 |
|
|
审计费 |
|
|
540 |
|
|
|
|
451 |
|
|
|
|
451 |
|
|
|
|
450 |
|
|
|
|
451 |
|
|
印刷、文具和用品 |
|
|
710 |
|
|
|
|
473 |
|
|
|
|
600 |
|
|
|
|
501 |
|
|
|
|
540 |
|
|
无形资产的摊销 |
|
|
228 |
|
|
|
|
299 |
|
|
|
|
306 |
|
|
|
|
320 |
|
|
|
|
320 |
|
|
广告、餐饮和公共关系 |
|
|
1,475 |
|
|
|
|
1,646 |
|
|
|
|
1,692 |
|
|
|
|
1,554 |
|
|
|
|
1,493 |
|
|
业务损失和其他损失 |
|
|
931 |
|
|
|
|
982 |
|
|
|
|
869 |
|
|
|
|
782 |
|
|
|
|
596 |
|
|
软件摊销和费用 |
|
|
2,311 |
|
|
|
|
2,420 |
|
|
|
|
2,564 |
|
|
|
|
2,522 |
|
|
|
|
2,457 |
|
|
其他非利息支出 |
|
|
6,503 |
|
|
|
|
6,259 |
|
|
|
|
6,698 |
|
|
|
|
6,802 |
|
|
|
|
6,958 |
|
|
非利息支出总额 |
$ |
|
57,256 |
|
|
$ |
|
57,778 |
|
|
$ |
|
59,442 |
|
|
$ |
|
58,333 |
|
|
$ |
|
59,225 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
等值税收收益率调整* |
$ |
|
3,131 |
|
|
$ |
|
3,751 |
|
|
$ |
|
3,807 |
|
|
$ |
|
4,083 |
|
|
$ |
|
3,782 |
|
|
*计算结果已调整,以消除取消TEFRA的影响 |
第一金融银行股份公司
选定的财务数据(未经审计)
(以千计)
|
三个月已结束 |
|
|
|
三个月已结束 |
||||||||||||||||||||||||||||
|
2023年3月31日 |
|
|
|
2022年12月31日 |
||||||||||||||||||||||||||||
|
|
平均值 |
|
|
|
等值税 |
|
|
|
收益率/ |
|
|
|
|
|
|
平均值 |
|
|
|
等值税 |
|
|
|
收益率/ |
|
|
||||||
|
|
平衡 |
|
|
|
利息 |
|
|
|
费率 |
|
|
|
|
|
|
平衡 |
|
|
|
利息 |
|
|
|
费率 |
|
|
||||||
赚取利息的资产: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
联邦资金已出售 |
$ |
|
2,507 |
|
|
$ |
|
32 |
|
|
|
|
5.12 |
|
% |
|
|
|
$ |
|
3,165 |
|
|
$ |
|
36 |
|
|
|
|
4.57 |
|
% |
非关联银行的计息活期存款 |
|
|
143,542 |
|
|
|
|
1,618 |
|
|
|
|
4.57 |
|
|
|
|
|
|
|
160,200 |
|
|
|
|
1,579 |
|
|
|
|
3.91 |
|
|
应税证券 |
|
|
3,672,257 |
|
|
|
|
20,782 |
|
|
|
|
2.26 |
|
|
|
|
|
|
|
3,761,206 |
|
|
|
|
21,152 |
|
|
|
|
2.25 |
|
|
免税证券 |
|
|
1,750,533 |
|
|
|
|
12,743 |
|
|
|
|
2.91 |
|
|
|
|
|
|
|
2,001,185 |
|
|
|
|
15,740 |
|
|
|
|
3.15 |
|
|
贷款 |
|
|
6,500,332 |
|
|
|
|
89,464 |
|
|
|
|
5.58 |
|
|
|
|
|
|
|
6,391,703 |
|
|
|
|
86,381 |
|
|
|
|
5.36 |
|
|
赚取利息的资产总额 |
|
|
12,069,171 |
|
|
$ |
|
124,639 |
|
|
|
|
4.19 |
|
% |
|
|
|
|
|
12,317,459 |
|
|
$ |
|
124,888 |
|
|
|
|
4.02 |
|
% |
非利息资产 |
|
|
863,342 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
891,972 |
|
|
|
|
|
|
|
|
|
|
||||
总资产 |
$ |
|
12,932,513 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
13,209,431 |
|
|
|
|
|
|
|
|
|
|
||||
计息负债: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
存款 |
$ |
|
7,080,518 |
|
|
$ |
|
21,812 |
|
|
|
|
1.25 |
|
% |
|
|
|
$ |
|
6,871,315 |
|
|
$ |
|
13,123 |
|
|
|
|
0.76 |
|
% |
借款 |
|
|
625,137 |
|
|
|
|
3,410 |
|
|
|
|
2.21 |
|
|
|
|
|
|
|
927,250 |
|
|
|
|
3,977 |
|
|
|
|
1.70 |
|
|
计息负债总额 |
|
|
7,705,655 |
|
|
$ |
|
25,222 |
|
|
|
|
1.33 |
|
% |
|
|
|
|
|
7,798,565 |
|
|
$ |
|
17,100 |
|
|
|
|
0.87 |
|
% |
无息存款 |
|
|
3,860,472 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
4,179,494 |
|
|
|
|
|
|
|
|
|
|
||||
其他无息负债 |
|
|
60,028 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
60,085 |
|
|
|
|
|
|
|
|
|
|
||||
股东权益 |
|
|
1,306,358 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1,171,287 |
|
|
|
|
|
|
|
|
|
|
||||
负债和股东权益总额 |
$ |
|
12,932,513 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
13,209,431 |
|
|
|
|
|
|
|
|
|
|
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
净利息收入和利润率(等值税)* |
|
|
|
|
$ |
|
99,417 |
|
|
|
|
3.34 |
|
% |
|
|
|
|
|
|
|
$ |
|
107,788 |
|
|
|
|
3.47 |
|
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
|
三个月已结束 |
|
|
|
三个月已结束 |
||||||||||||||||||||||||||||
|
2022年9月30日 |
|
|
|
2022年6月30日 |
||||||||||||||||||||||||||||
|
|
平均值 |
|
|
|
等值税 |
|
|
|
收益率/ |
|
|
|
|
|
|
平均值 |
|
|
|
等值税 |
|
|
|
收益率/ |
|
|
||||||
|
|
平衡 |
|
|
|
利息 |
|
|
|
费率 |
|
|
|
|
|
|
平衡 |
|
|
|
利息 |
|
|
|
费率 |
|
|
||||||
赚取利息的资产: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
联邦资金已出售 |
$ |
|
3,107 |
|
|
$ |
|
19 |
|
|
|
|
2.49 |
|
% |
|
|
|
$ |
|
1,466 |
|
|
$ |
|
5 |
|
|
|
|
1.45 |
|
% |
非关联银行的计息活期存款 |
|
|
248,929 |
|
|
|
|
1,413 |
|
|
|
|
2.25 |
|
|
|
|
|
|
|
288,784 |
|
|
|
|
547 |
|
|
|
|
0.76 |
|
|
应税证券 |
|
|
4,039,107 |
|
|
|
|
20,799 |
|
|
|
|
2.06 |
|
|
|
|
|
|
|
4,101,751 |
|
|
|
|
19,151 |
|
|
|
|
1.87 |
|
|
免税证券 |
|
|
2,164,829 |
|
|
|
|
16,423 |
|
|
|
|
3.03 |
|
|
|
|
|
|
|
2,376,324 |
|
|
|
|
17,873 |
|
|
|
|
3.01 |
|
|
贷款 |
|
|
6,082,649 |
|
|
|
|
77,880 |
|
|
|
|
5.08 |
|
|
|
|
|
|
|
5,720,804 |
|
|
|
|
68,488 |
|
|
|
|
4.80 |
|
|
赚取利息的资产总额 |
|
|
12,538,621 |
|
|
$ |
|
116,534 |
|
|
|
|
3.69 |
|
% |
|
|
|
|
|
12,489,129 |
|
|
$ |
|
106,064 |
|
|
|
|
3.41 |
|
% |
非利息资产 |
|
|
833,980 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
825,711 |
|
|
|
|
|
|
|
|
|
|
||||
总资产 |
$ |
|
13,372,601 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
13,314,840 |
|
|
|
|
|
|
|
|
|
|
||||
计息负债: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
存款 |
$ |
|
7,004,478 |
|
|
$ |
|
8,787 |
|
|
|
|
0.50 |
|
% |
|
|
|
$ |
|
7,049,041 |
|
|
$ |
|
2,967 |
|
|
|
|
0.17 |
|
% |
借款 |
|
|
768,096 |
|
|
|
|
784 |
|
|
|
|
0.40 |
|
|
|
|
|
|
|
730,477 |
|
|
|
|
232 |
|
|
|
|
0.13 |
|
|
计息负债总额 |
|
|
7,772,574 |
|
|
$ |
|
9,571 |
|
|
|
|
0.49 |
|
% |
|
|
|
|
|
7,779,518 |
|
|
$ |
|
3,199 |
|
|
|
|
0.16 |
|
% |
无息存款 |
|
|
4,178,675 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
4,064,207 |
|
|
|
|
|
|
|
|
|
|
||||
其他无息负债 |
|
|
61,320 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
65,475 |
|
|
|
|
|
|
|
|
|
|
||||
股东权益 |
|
|
1,360,032 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1,405,640 |
|
|
|
|
|
|
|
|
|
|
||||
负债和股东权益总额 |
$ |
|
13,372,601 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
13,314,840 |
|
|
|
|
|
|
|
|
|
|
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
净利息收入和利润率(等值税)* |
|
|
|
|
$ |
|
106,963 |
|
|
|
|
3.38 |
|
% |
|
|
|
|
|
|
|
$ |
|
102,865 |
|
|
|
|
3.30 |
|
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
|
三个月已结束 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||||
|
2022年3月31日 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||||
|
|
平均值 |
|
|
|
等值税 |
|
|
|
收益率/ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
|
|
平衡 |
|
|
|
利息 |
|
|
|
费率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
赚取利息的资产: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
联邦资金已出售 |
$ |
|
1,015 |
|
|
$ |
|
1 |
|
|
|
|
0.52 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
非关联银行的计息活期存款 |
|
|
171,970 |
|
|
|
|
94 |
|
|
|
|
0.22 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
应税证券 |
|
|
4,231,949 |
|
|
|
|
17,823 |
|
|
|
|
1.68 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
免税证券 |
|
|
2,612,025 |
|
|
|
|
18,107 |
|
|
|
|
2.77 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
贷款 |
|
|
5,487,538 |
|
|
|
|
64,766 |
|
|
|
|
4.79 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
赚取利息的资产总额 |
|
|
12,504,497 |
|
|
$ |
|
100,791 |
|
|
|
|
3.27 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
非利息资产 |
|
|
744,810 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
总资产 |
$ |
|
13,249,307 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
计息负债: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
存款 |
$ |
|
6,898,059 |
|
|
$ |
|
1,369 |
|
|
|
|
0.08 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
借款 |
|
|
781,314 |
|
|
|
|
201 |
|
|
|
|
0.10 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
计息负债总额 |
|
|
7,679,373 |
|
|
$ |
|
1,570 |
|
|
|
|
0.08 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
无息存款 |
|
|
3,827,451 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
其他无息负债 |
|
|
64,999 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
股东权益 |
|
|
1,677,484 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
负债和股东权益总额 |
$ |
|
13,249,307 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
净利息收入和利润率(等值税)* |
|
|
|
|
$ |
|
99,221 |
|
|
|
|
3.22 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||
*计算结果已调整,以消除取消TEFRA的影响 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|