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Florida
(州または他の管轄
会社や組織を設立する)≡ |
| |
6022
(主要標準工業
分類コード番号)≡ |
| |
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 |
| |
専門持株会社
396 Alhambra Circle, Suite 255 Coral Gables, Florida 33134 Attention: Michael C. Sontag Telephone: (786) 483-1757 |
| |
Michael V. Mitrione
Gunster, Yoakley & Stewart, P.A. 777 S. Flagler Drive, Suite 500 East West Palm Beach, Florida 33401 Telephone: (561) 650-0553 |
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| 大型加速ファイルサーバ | | |
Accelerated filer
☐
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| 非加速ファイルマネージャ゚(小さな報告会社があるかどうかをチェックしないで) | | |
小さい報告会社
☐
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Emerging growth company
☐
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Page
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合併と特別会議に関する対話
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| | | | 1 | | |
SUMMARY
|
| | | | 6 | | |
海岸銀行、スイス中央銀行、専門銀行、専門銀行に関する情報
|
| | | | 6 | | |
Regulatory Approvals
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| | | | 7 | | |
The Merger
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| | | | 7 | | |
合併完了と発効時間
|
| | | | 7 | | |
Merger Consideration
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| | | | 7 | | |
1株当たり普通株は専門家の価値に相当する
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| | | | 8 | | |
Exchange Procedures
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| | | | 8 | | |
合併が米国連邦所得税に及ぼす重大な影響
|
| | | | 8 | | |
Appraisal Rights
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| | | | 9 | | |
海岸銀行財務顧問意見
|
| | | | 9 | | |
専門家財務顧問意見
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| | | | 9 | | |
専門家取締役会が推奨
|
| | | | 9 | | |
専門取締役と役員の合併における利益
|
| | | | 10 | | |
マージが完了する条件
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| | | | 10 | | |
Third Party Proposals
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| | | | 11 | | |
Termination
|
| | | | 11 | | |
Termination Fee
|
| | | | 12 | | |
NASDAQ Listing
|
| | | | 13 | | |
専門特別会議
|
| | | | 13 | | |
に必要な株主投票
|
| | | | 13 | | |
No Restriction on Resale
|
| | | | 13 | | |
市場価格と配当情報
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| | | | 14 | | |
株主権利対照表
|
| | | | 15 | | |
Risk Factors
|
| | | | 15 | | |
RISK FACTORS
|
| | | | 16 | | |
前向き陳述に関する警告声明
|
| | | | 22 | | |
監査なしの備考簡明合併財務情報
|
| | | | 24 | | |
市場価格と配当情報
|
| | | | 33 | | |
専門テーマ会議情報
|
| | | | 34 | | |
Time, Date, and Place
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| | | | 34 | | |
会議で審議される事項
|
| | | | 35 | | |
専門取締役会推薦
|
| | | | 35 | | |
Record Date and Quorum
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| | | | 35 | | |
Required Vote
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| | | | 35 | | |
How to Vote – Shareholders of Record
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| | | | 36 | | |
How to Vote – Shares Held in “Street Name”
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| | | | 36 | | |
Revocation of Proxies
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| | | | 36 | | |
株主支援プロトコルに制約されている株式;取締役と役員が保有する株式
|
| | | | 37 | | |
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Page
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Solicitation of Proxies
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| | | | 37 | | |
Attending the Meeting
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| | | | 38 | | |
問題と他の情報
|
| | | | 38 | | |
PROPOSAL 1: THE MERGER
|
| | | | 39 | | |
Background of the Merger
|
| | | | 39 | | |
プロ合併の原因とプロ取締役会のアドバイス
|
| | | | 41 | | |
海岸航空会社合併の原因
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| | | | 43 | | |
海岸銀行財務顧問意見
|
| | | | 44 | | |
専門家財務顧問意見
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| | | | 55 | | |
合併が米国連邦所得税に及ぼす重大な影響
|
| | | | 67 | | |
Accounting Treatment
|
| | | | 69 | | |
Regulatory Approvals
|
| | | | 69 | | |
専門株主の評価権
|
| | | | 70 | | |
合併後の海岸会社取締役会と経営陣
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| | | | 70 | | |
専門取締役と役員の合併における利益
|
| | | | 70 | | |
New Employment Agreements
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| | | | 71 | | |
“取締役制限条約合意”;請求書
|
| | | | 72 | | |
賠償と保険
|
| | | | 72 | | |
Severance Benefits
|
| | | | 72 | | |
提案2:専門特別会議休会
|
| | | | 74 | | |
THE MERGER AGREEMENT
|
| | | | 75 | | |
統合プロトコルに関する説明
|
| | | | 75 | | |
The Merger and the Bank Merger
|
| | | | 75 | | |
マージの完了時間と発効時間
|
| | | | 76 | | |
Merger Consideration
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| | | | 76 | | |
Exchange Procedures
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| | | | 77 | | |
持株会社と銀行の組織ファイルが残っています;取締役と上級管理者
|
| | | | 77 | | |
統合すべき業務行為
|
| | | | 77 | | |
会社の株主承認
|
| | | | 80 | | |
Regulatory Matters
|
| | | | 80 | | |
NASDAQ Listing
|
| | | | 81 | | |
Employee Matters
|
| | | | 81 | | |
賠償と役員及び上級職員保険
|
| | | | 81 | | |
Third Party Proposals
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| | | | 82 | | |
システム統合;操作機能
|
| | | | 83 | | |
Seacoast Advisory Board
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| | | | 84 | | |
陳述と保証
|
| | | | 84 | | |
マージが完了する条件
|
| | | | 86 | | |
Termination
|
| | | | 87 | | |
Termination Fee
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| | | | 88 | | |
Waiver; Amendment
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| | | | 88 | | |
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Page
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Expenses
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| | | | 88 | | |
Governing Law
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| | | | 89 | | |
株主権利対照表
|
| | | | 90 | | |
BUSINESS OF PROFESSIONAL
|
| | | | 100 | | |
専門会社管理層と主要株主の専門会社普通株に対する実益所有権
|
| | | | 104 | | |
沿海資本ストック説明
|
| | | | 107 | | |
EXPERTS
|
| | | | 110 | | |
LEGAL MATTERS
|
| | | | 110 | | |
OTHER MATTERS
|
| | | | 110 | | |
参照により組み込まれた文書
|
| | | | 110 | | |
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付録A≡-Σプロトコルと統合計画
|
| | | | A-1 | | |
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パイパー·サンドラー社付録B゚-゚意見
|
| | | | B-1 | | |
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付録Cステファンス社の゚-オピニオン
|
| | | | C-1 | | |
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付録D゚-゚専門持ち株会社とその子会社合併財務諸表
|
| | | | D-1 | | |
Date
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Seacoast
closing sale price |
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Equivalent
Professional per share value |
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August 5, 2022
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| | | $ | 36.75 | | | | | $ | 32.74 | | |
, 2022
|
| | | $ | | | | | $ | | | |
| | |
Seacoast Common Stock
|
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High
|
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Low
|
| |
Dividends
|
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2020 | | | | | | | | | | | | | | | | | | | |
First Quarter
|
| | | $ | 30.87 | | | | | $ | 13.30 | | | | | $ | — | | |
Second Quarter
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| | | $ | 25.89 | | | | | $ | 16.02 | | | | | $ | — | | |
Third Quarter
|
| | | $ | 22.23 | | | | | $ | 17.00 | | | | | $ | — | | |
Fourth Quarter
|
| | | $ | 30.26 | | | | | $ | 17.62 | | | | | $ | — | | |
2021 | | | | | | | | | | | | | | | | | | | |
First Quarter
|
| | | $ | 40.93 | | | | | $ | 28.52 | | | | | $ | — | | |
Second Quarter
|
| | | $ | 38.87 | | | | | $ | 33.00 | | | | | $ | 0.13 | | |
Third Quarter
|
| | | $ | 34.56 | | | | | $ | 29.28 | | | | | $ | 0.13 | | |
Fourth Quarter
|
| | | $ | 38.48 | | | | | $ | 32.38 | | | | | $ | 0.13 | | |
2022 | | | | | | | | | | | | | | | | | | | |
First Quarter
|
| | | $ | 39.31 | | | | | $ | 32.40 | | | | | $ | 0.13 | | |
Second Quarter
|
| | | $ | 35.96 | | | | | $ | 30.82 | | | | | $ | 0.17 | | |
Third Quarter
|
| | | $ | 36.92 | | | | | $ | 30.12 | | | | | $ | 0.17 | | |
Fourth Quarter (through November 9, 2022)
|
| | | $ | 32.91 | | | | | $ | 29.05 | | | | | $ | — | | |
| | |
Professional Common Stock
|
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| | |
High
|
| |
Low
|
| |
Dividends
|
| |||||||||
2020 | | | | | | | | | | | | | | | | | | | |
First Quarter(a)
|
| | | $ | 20.00 | | | | | $ | 14.24 | | | | | $ | — | | |
Second Quarter
|
| | | $ | 17.75 | | | | | $ | 12.70 | | | | | $ | — | | |
Third Quarter
|
| | | $ | 14.35 | | | | | $ | 10.45 | | | | | $ | — | | |
Fourth Quarter
|
| | | $ | 18.00 | | | | | $ | 13.34 | | | | | $ | — | | |
2021 | | | | | | | | | | | | | | | | | | | |
First Quarter
|
| | | $ | 19.22 | | | | | $ | 14.97 | | | | | $ | — | | |
Second Quarter
|
| | | $ | 20.46 | | | | | $ | 17.58 | | | | | $ | — | | |
Third Quarter
|
| | | $ | 18.64 | | | | | $ | 17.08 | | | | | $ | — | | |
Fourth Quarter
|
| | | $ | 19.74 | | | | | $ | 18.48 | | | | | $ | — | | |
2022 | | | | | | | | | | | | | | | | | | | |
First Quarter
|
| | | $ | 23.70 | | | | | $ | 19.29 | | | | | $ | — | | |
Second Quarter
|
| | | $ | 23.92 | | | | | $ | 18.79 | | | | | $ | — | | |
Third Quarter
|
| | | $ | 31.25 | | | | | $ | 19.33 | | | | | $ | — | | |
Fourth Quarter (through November 9, 2022)
|
| | | $ | 28.33 | | | | | $ | 25.58 | | | | | $ | — | | |
September 30, 2022
(Amounts in thousands) |
| |
Historical
Seacoast Banking Corporation of Florida |
| |
Historical
Professional Holding Corp. |
| |
Professional
Holding Corp. Pro Forma Adjustments |
| |
Historical
Apollo Bancshares, Inc. |
| |
Apollo
Bancshares, Inc. Pro Forma Adjustments |
| |
Historical
Drummond Banking Company |
| |
Drummond
Banking Company Pro Forma Adjustments |
| |
Cumulative
Pro Forma Adjustments |
| |
Pro
Forma Condensed Combined |
| |||||||||||||||||||||||||||
Assets | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
現金と現金等価物
|
| | | $ | 218,615 | | | | | $ | 173,266 | | | | | $ | — | | | | | $ | 46,017 | | | | | $ | — | | | | | $ | 32,151 | | | | | $ | — | | | | | $ | — | | | | | $ | 470,049 | | |
Debt securities:
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
販売可能な証券(公正価値)
|
| | | | 1,860,734 | | | | | | 177,380 | | | | | | — | | | | | | 209,262 | | | | | | — | | | | | | 339,199 | | | | | | — | | | | | | — | | | | | | 2,586,575 | | |
満期までの証券を保有する
|
| | | | 774,706 | | | | | | 194 | | | | | | (16)(1) | | | | | | — | | | | | | — | | | | | | 4,917 | | | | | | (702)(1) | | | | | | (718) | | | | | | 779,099 | | |
債務証券総額
|
| | | | 2,635,440 | | | | | | 177,574 | | | | | | (16) | | | | | | 209,262 | | | | | | — | | | | | | 344,116 | | | | | | (702) | | | | | | (718) | | | | | | 3,365,674 | | |
Loans
|
| | | | 6,690,845 | | | | | | 2,004,895 | | | | | | (54,632)(2) | | | | | | 717,989 | | | | | | (14,360)(10) | | | | | | 588,409 | | | | | | (11,768)(18) | | | | | | (80,760) | | | | | | 9,921,378 | | |
減少:信用損失準備金
|
| | | | (95,329) | | | | | | (16,485) | | | | | | (24,107)(3) | | | | | | (7,642) | | | | | | (6,873)(11) | | | | | | (10,426) | | | | | | (2,642)(19) | | | | | | (33,622) | | | | | | (163,504) | | |
ローン、信用損失準備後の純額を差し引く
|
| | | | 6,595,516 | | | | | | 1,988,410 | | | | | | (78,739) | | | | | | 710,347 | | | | | | (21,233) | | | | | | 577,983 | | | | | | (14,410) | | | | | | (114,382) | | | | | | 9,757,874 | | |
Goodwill
|
| | | | 286,606 | | | | | | 24,621 | | | | | | 181,691(4) | | | | | | 3,309 | | | | | | 70,053(12) | | | | | | — | | | | | | 81,510(20) | | | | | | 333,254 | | | | | | 647,790 | | |
その他無形資産純額
|
| | | | 18,583 | | | | | | 958 | | | | | | 39,942(5) | | | | | | 102 | | | | | | 13,656(13) | | | | | | 2,694 | | | | | | 17,396(21) | | | | | | 70,994 | | | | | | 93,331 | | |
Other assets
|
| | | | 590,475 | | | | | | 110,048 | | | | | | 17,287(6) | | | | | | 63,995 | | | | | | 5,265(14) | | | | | | 66,823 | | | | | | 3,408(22) | | | | | | 25,960 | | | | | | 857,301 | | |
Total assets
|
| | | $ | 10,345,235 | | | | | $ | 2,474,877 | | | | | $ | 160,165 | | | | | $ | 1,033,032 | | | | | $ | 67,741 | | | | | $ | 1,023,767 | | | | | $ | 87,202 | | | | | $ | 315,108 | | | | | $ | 15,192,019 | | |
Liabilities | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Deposits
|
| | | $ | 8,765,414 | | | | | $ | 2,188,291 | | | | | $ | (836)(7) | | | | | $ | 864,589 | | | | | $ | (100)(15) | | | | | $ | 873,843 | | | | | $ | (400)(23) | | | | | $ | (1,336) | | | | | $ | 12,690,801 | | |
その他の負債
|
| | | | 292,019 | | | | | | 48,722 | | | | | | 12,563(8) | | | | | | 92,143 | | | | | | 2,061(16) | | | | | | 81,261 | | | | | | 2,493(24) | | | | | | 17,117 | | | | | | 531,262 | | |
総負債
|
| | | $ | 9,057,433 | | | | | $ | 2,237,013 | | | | | $ | 11,727 | | | | | $ | 956,732 | | | | | $ | 1,961 | | | | | $ | 955,104 | | | | | $ | 2,093 | | | | | $ | 15,781 | | | | | $ | 13,222,063 | | |
Shareholders’ Equity | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
株主資本総額
|
| | | | 1,287,802 | | | | | | 237,864 | | | | | | 148,438(9) | | | | | | 76,300 | | | | | | 65,780(17) | | | | | | 68,663 | | | | | | 85,109(25) | | | | | | 299,327 | | | | | | 1,969,956 | | |
総負債と株主権益
|
| | | $ | 10,345,235 | | | | | $ | 2,474,877 | | | | | $ | 160,165 | | | | | $ | 1,033,032 | | | | | $ | 67,741 | | | | | $ | 1,023,767 | | | | | $ | 87,202 | | | | | $ | 315,108 | | | | | $ | 15,192,019 | | |
2022年9月30日までの9ヶ月
(金額は千計、1株当たりデータを除く) |
| |
Historical
Seacoast Banking Corporation of Florida |
| |
Historical
Professional Holding Corp. |
| |
Professional
Holding Corp. Pro Forma Adjustments |
| |
Historical
Apollo Bancshares, Inc. |
| |
Apollo
Bancshares, Inc. Pro Forma Adjustments |
| |
Historical
Drummond Banking Company |
| |
Drummond
Banking Company Pro Forma Adjustments |
| |
Cumulative
Pro Forma Adjustments |
| |
Pro
Forma Condensed Combined |
| |||||||||||||||||||||||||||
Interest Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
ローンの利息と手数料
|
| | | $ | 210,395 | | | | | $ | 66,602 | | | | | $ | 9,012(26) | | | | | $ | 23,613 | | | | | $ | 2,692(26) | | | | | $ | 24,165 | | | | | $ | 2,207(26) | | | | | $ | 13,911(26) | | | | | $ | 338,686 | | |
有価証券とその他
|
| | | | 42,990 | | | | | | 5,255 | | | | | | — | | | | | | 3,654 | | | | | | — | | | | | | 6,419 | | | | | | — | | | | | | — | | | | | | 58,318 | | |
利息収入総額
|
| | | | 253,385 | | | | | | 71,857 | | | | | | 9,012 | | | | | | 27,267 | | | | | | 2,692 | | | | | | 30,584 | | | | | | 2,207 | | | | | | 13,911 | | | | | | 397,004 | | |
利息支出総額
|
| | | | 6,932 | | | | | | 6,104 | | | | | | (233)(27) | | | | | | 2,041 | | | | | | (186)(27) | | | | | | 578 | | | | | | — | | | | | | (419)(27) | | | | | | 15,236 | | |
純利息収入
|
| | | | 246,453 | | | | | | 65,753 | | | | | | 9,245 | | | | | | 25,226 | | | | | | 2,878 | | | | | | 30,006 | | | | | | 2,207 | | | | | | 14,330 | | | | | | 381,768 | | |
クレジット損失準備金
|
| | | | 12,054 | | | | | | 4,434 | | | | | | — | | | | | | 748 | | | | | | — | | | | | | 3,014 | | | | | | — | | | | | | — | | | | | | 20,250 | | |
Noninterest Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Other income
|
| | | | 49,554 | | | | | | 4,264 | | | | | | — | | | | | | 2,534 | | | | | | — | | | | | | 11,156 | | | | | | — | | | | | | — | | | | | | 67,508 | | |
証券(赤字)収益、純額
|
| | | | (1,114) | | | | | | 13 | | | | | | — | | | | | | 581 | | | | | | — | | | | | | 6 | | | | | | — | | | | | | — | | | | | | (514) | | |
非利息収入合計
|
| | | | 48,440 | | | | | | 4,277 | | | | | | — | | | | | | 3,115 | | | | | | — | | | | | | 11,162 | | | | | | — | | | | | | — | | | | | | 66,994 | | |
Noninterest Expense | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
給料と従業員福祉
|
| | | | 98,421 | | | | | | 26,696 | | | | | | — | | | | | | 9,751 | | | | | | — | | | | | | 15,053 | | | | | | — | | | | | | — | | | | | | 149,921 | | |
アウトソーシングデータ処理コスト
|
| | | | 17,592 | | | | | | 875 | | | | | | — | | | | | | — | | | | | | — | | | | | | 1,881 | | | | | | — | | | | | | — | | | | | | 20,348 | | |
Other expense
|
| | | | 60,411 | | | | | | 15,381 | | | | | | 5,437(29) | | | | | | 7,616 | | | | | | 1,656(29) | | | | | | 13,840 | | | | | | 1,403(29) | | | | | | 8,496(29) | | | | | | 105,744 | | |
非利息支出総額
|
| | | | 176,424 | | | | | | 42,952 | | | | | | 5,437 | | | | | | 17,367 | | | | | | 1,656 | | | | | | 30,774 | | | | | | 1,403 | | | | | | 8,496 | | | | | | 276,013 | | |
所得税前収入
|
| | | | 106,415 | | | | | | 22,644 | | | | | | 3,808 | | | | | | 10,226 | | | | | | 1,222 | | | | | | 7,380 | | | | | | 804 | | | | | | 5,834 | | | | | | 152,499 | | |
所得税引当金
|
| | | | 23,835 | | | | | | 4,758 | | | | | | 876(30) | | | | | | 2,418 | | | | | | 281(30) | | | | | | 1,309 | | | | | | 185(30) | | | | | | 1,342(30) | | | | | | 33,662 | | |
Net Income
|
| | | $ | 82,580 | | | | | $ | 17,886 | | | | | $ | 2,932 | | | | | $ | 7,808 | | | | | $ | 941 | | | | | $ | 6,071 | | | | | $ | 619 | | | | | $ | 4,492 | | | | | $ | 118,837 | | |
非持株権
|
| | | | — | | | | | | — | | | | | | — | | | | | | 1,257 | | | | | | (1,257) | | | | | | — | | | | | | — | | | | | | (1,257) | | | | | | — | | |
普通株主が獲得できる純収入
|
| | | $ | 82,580 | | | | | $ | 17,886 | | | | | $ | 2,932 | | | | | $ | 6,551 | | | | | $ | 2,198 | | | | | $ | 6,071 | | | | | $ | 619 | | | | | $ | 5,749 | | | | | $ | 118,837 | | |
Per share data | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
普通株主が獲得できる純収入: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Diluted
|
| | | $ | 1.33 | | | | | $ | 1.27 | | | | | | | | | | | $ | 1.50 | | | | | | | | | | | $ | 61.32 | | | | | | | | | | | | | | | | | $ | 1.40 | | |
Basic
|
| | | | 1.35 | | | | | | 1.33 | | | | | | | | | | | | 1.74 | | | | | | | | | | | | 61.32 | | | | | | | | | | | | | | | | | | 1.42 | | |
普通株平均流通株 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |||||
Diluted
|
| | | | 61,867 | | | | | | 14,092 | | | | | | (922)(32) | | | | | | 4,375 | | | | | | 456(32) | | | | | | 99 | | | | | | 5,045(32) | | | | | | 4,579 | | | | | | 85,012 | | |
Basic
|
| | | | 61,327 | | | | | | 13,431 | | | | | | (638)(32) | | | | | | 3,766 | | | | | | 753(32) | | | | | | 99 | | | | | | 5,045(32) | | | | | | 5,160 | | | | | | 83,783 | | |
For the Year Ended December 31, 2021
(金額は千計、1株当たりデータを除く) |
| |
Historical
Seacoast Banking Corporation of Florida |
| |
Historical
Professional Holding Corp. |
| |
Professional
Holding Corp. Pro Forma Adjustments |
| |
Historical
Apollo Bancshares, Inc. |
| |
Apollo
Bancshares, Inc. Pro Forma Adjustments |
| |
Historical
Drummond Banking Company |
| |
Drummond
Banking Company Pro Forma Adjustments |
| |
Historical
Business Bank of Florida, Corp.(31) |
| |
Business
Bank of Florida, Corp. Pro Forma Adjustments |
| |
Historical
Sabal Palm Bancorp, Inc.(31) |
| |
Sabal
Palm Bancorp, Inc. Pro Forma Adjustments |
| |
Cumulative
Pro Forma Adjustments |
| |
Pro
Forma Condensed Combined |
| |||||||||||||||||||||||||||||||||||||||
Interest Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |||||
ローンの利息と手数料
|
| | | $ | 251,471 | | | | | $ | 76,912 | | | | | $ | 12,108(26) | | | | | $ | 25,631 | | | | | $ | 4,051(26) | | | | | $ | 27,377 | | | | | $ | 3,000(26) | | | | | $ | 7,976 | | | | | $ | 283(26) | | | | | $ | 14,026 | | | | | $ | 815(26) | | | | | $ | 20,257(26) | | | | | $ | 423,650 | | |
Interest on securities and
other |
| | | | 32,773 | | | | | | 2,709 | | | | | | — | | | | | | 3,788 | | | | | | — | | | | | | 6,968 | | | | | | — | | | | | | 376 | | | | | | — | | | | | | 403 | | | | | | — | | | | | | — | | | | | | 47,017 | | |
利息収入総額
|
| | | | 284,244 | | | | | | 79,621 | | | | | | 12,108 | | | | | | 29,419 | | | | | | 4,051 | | | | | | 34,345 | | | | | | 3,000 | | | | | | 8,352 | | | | | | 283 | | | | | | 14,429 | | | | | | 815 | | | | | | 20,257 | | | | | | 470,667 | | |
利息支出総額
|
| | | | 8,219 | | | | | | 7,313 | | | | | | (1,511)(27) | | | | | | 2,939 | | | | | | (448)(27) | | | | | | 723 | | | | | | —(27) | | | | | | 401 | | | | | | —(27) | | | | | | 678 | | | | | | —(27) | | | | | | (1,959)(27) | | | | | | 18,314 | | |
純利息収入
|
| | | | 276,025 | | | | | | 72,308 | | | | | | 13,619 | | | | | | 26,480 | | | | | | 4,499 | | | | | | 33,622 | | | | | | 3,000 | | | | | | 7,951 | | | | | | 283 | | | | | | 13,751 | | | | | | 815 | | | | | | 22,216 | | | | | | 452,353 | | |
クレジット損失準備金
|
| | | | (9,421) | | | | | | 4,740 | | | | | | 33,635(28) | | | | | | (100) | | | | | | 16,205(28) | | | | | | 1,406 | | | | | | 12,000(28) | | | | | | — | | | | | | 2,820(28) | | | | | | (772) | | | | | | 3,640(28) | | | | | | 68,300(28) | | | | | | 64,153 | | |
Noninterest Income | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Other
|
| | | | 71,305 | | | | | | 6,148 | | | | | | — | | | | | | 2,778 | | | | | | — | | | | | | 14,236 | | | | | | — | | | | | | 231 | | | | | | — | | | | | | 1,857 | | | | | | — | | | | | | — | | | | | | 96,555 | | |
証券(赤字)収益、純額
|
| | | | (578) | | | | | | 39 | | | | | | — | | | | | | 252 | | | | | | — | | | | | | 1,806 | | | | | | — | | | | | | 147 | | | | | | — | | | | | | (35) | | | | | | — | | | | | | — | | | | | | 1,631 | | |
非利息収入合計
|
| | | | 70,727 | | | | | | 6,187 | | | | | | — | | | | | | 3,030 | | | | | | — | | | | | | 16,042 | | | | | | — | | | | | | 378 | | | | | | — | | | | | | 1,822 | | | | | | — | | | | | | — | | | | | | 98,186 | | |
Noninterest Expense | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
給料と従業員福祉
|
| | | | 115,156 | | | | | | 29,277 | | | | | | — | | | | | | 10,890 | | | | | | — | | | | | | 18,168 | | | | | | — | | | | | | 2,315 | | | | | | — | | | | | | 6,182 | | | | | | — | | | | | | — | | | | | | 181,987 | | |
Outsourced data processing
costs |
| | | | 19,919 | | | | | | 1,182 | | | | | | — | | | | | | 1,813 | | | | | | — | | | | | | 2,303 | | | | | | — | | | | | | 572 | | | | | | — | | | | | | 723 | | | | | | — | | | | | | — | | | | | | 26,512 | | |
Other expense
|
| | | | 62,360 | | | | | | 16,807 | | | | | | 7,250(29) | | | | | | 6,682 | | | | | | 2,363(29) | | | | | | 13,134 | | | | | | 2,764(29) | | | | | | 1,860 | | | | | | 315(29) | | | | | | 4,864 | | | | | | 645(29) | | | | | | 13,337 | | | | | | 119,044 | | |
非利息支出総額
|
| | | | 197,435 | | | | | | 47,266 | | | | | | 7,250 | | | | | | 19,385 | | | | | | 2,363 | | | | | | 33,605 | | | | | | 2,764 | | | | | | 4,747 | | | | | | 315 | | | | | | 11,769 | | | | | | 645 | | | | | | 13,337 | | | | | | 327,543 | | |
所得税前収入
|
| | | | 158,738 | | | | | | 26,489 | | | | | | (27,266) | | | | | | 10,225 | | | | | | (14,069) | | | | | | 14,653 | | | | | | (11,764) | | | | | | 3,583 | | | | | | (2,852) | | | | | | 4,576 | | | | | | (3,470) | | | | | | (59,421) | | | | | | 158,843 | | |
所得税引当金
|
| | | | 34,335 | | | | | | 5,125 | | | | | | (6,271)(30) | | | | | | 1,804 | | | | | | (3,236)(30) | | | | | | 2,644 | | | | | | (2,706)(30) | | | | | | 948 | | | | | | (656)(30) | | | | | | 1,366 | | | | | | (798)(30) | | | | | | (13,667)(30) | | | | | | 32,555 | | |
Net Income
|
| | | $ | 124,403 | | | | | $ | 21,364 | | | | | $ | (20,995) | | | | | $ | 8,421 | | | | | $ | (10,833) | | | | | $ | 12,009 | | | | | $ | (9,058) | | | | | $ | 2,635 | | | | | $ | (2,196) | | | | | $ | 3,210 | | | | | $ | (2,672) | | | | | $ | (45,754) | | | | | $ | 126,288 | | |
非持株権
|
| | | | — | | | | | | — | | | | | | — | | | | | | 1,325 | | | | | | (1,325) | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | (1,325) | | | | | | — | | |
普通株主が獲得できる純収入
|
| | | $ | 124,403 | | | | | $ | 21,364 | | | | | $ | (20,995) | | | | | $ | 7,096 | | | | | $ | (9,508) | | | | | $ | 12,009 | | | | | $ | (9,058) | | | | | $ | 2,635 | | | | | $ | (2,196) | | | | | $ | 3,210 | | | | | $ | (2,672) | | | | | $ | (44,429) | | | | | $ | 126,288 | | |
Per share data | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
普通株主が獲得できる純収入
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Diluted
|
| | | $ | 2.18 | | | | | $ | 1.54 | | | | | | | | | | | $ | 1.62 | | | | | | | | | | | $ | 121.30 | | | | | | | | | | | $ | 2.37 | | | | | | | | | | | $ | 0.43 | | | | | | | | | | | | | | | | | $ | 1.53 | | |
Basic
|
| | | | 2.20 | | | | | | 1.61 | | | | | | | | | | | | 1.88 | | | | | | | | | | | | 121.30 | | | | | | | | | | | | 2.37 | | | | | | | | | | | | 0.43 | | | | | | | | | | | | | | | | | | 1.55 | | |
普通株平均流通株 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Diluted
|
| | | | 57,088 | | | | | | 13,901 | | | | | | (731)(32) | | | | | | 4,375 | | | | | | 456(32) | | | | | | 99 | | | | | | 5,045(32) | | | | | | 1,112 | | | | | | (223)(32) | | | | | | 7,537 | | | | | | (5,877)(32) | | | | | | (1,330) | | | | | | 82,782 | | |
Basic
|
| | | | 56,586 | | | | | | 13,308 | | | | | | (515)(32) | | | | | | 3,766 | | | | | | 753(32) | | | | | | 99 | | | | | | 5,045(32) | | | | | | 1,112 | | | | | | (223)(32) | | | | | | 7,537 | | | | | | (5,877)(32) | | | | | | (817) | | | | | | 81,591 | | |
合併対価の初歩的な計算
を予想する (単位は千,1株あたりのデータを除く) |
| | |||||
終値時に予想される専門株
|
| | | | 14,360 | | |
Per share exchange ratio
|
| | | | 0.8909 | | |
海岸普通株発行済株式数
|
| | | | 12,793 | | |
×2022年9月30日の海岸普通株1株当たり価格
|
| | | $ | 30.23 | | |
発行された海岸普通株価値
|
| | | | 386,730 | | |
変換の専門オプションの公正価値
|
| | | | 11,402 | | |
合併総対価
を予定する
|
| | | $ | 398,132 | | |
調達価格配分
(In thousands) |
| |
September 30, 2022
|
| |||
合併総対価
を予定する
|
| | | $ | 398,132 | | |
Assets: | | | | | | | |
Cash
|
| | | | 173,266 | | |
Securities
|
| | | | 177,558 | | |
Loans
|
| | | | 1,909,671 | | |
銀行家と設備
|
| | | | 7,867 | | |
Core deposit intangibles
|
| | | | 40,900 | | |
Other assets
|
| | | | 115,934 | | |
Total assets
|
| | | | 2,425,196 | | |
Liabilities: | | | | | | | |
Deposits
|
| | | | 2,187,455 | | |
Other borrowings
|
| | | | 21,667 | | |
Other liabilities
|
| | | | 24,255 | | |
Total liabilities
|
| | | | 2,233,377 | | |
Net assets acquired
|
| | | | 191,820 | | |
形式営業権を予想する
|
| | | $ | 206,312 | | |
| | |
Seacoast Common Stock
|
| |||||||||||||||
| | |
High
|
| |
Low
|
| |
Dividends
|
| |||||||||
2020 | | | | | | | | | | | | | | | | | | | |
First Quarter
|
| | | $ | 30.87 | | | | | $ | 13.30 | | | | | $ | — | | |
Second Quarter
|
| | | $ | 25.89 | | | | | $ | 16.02 | | | | | $ | — | | |
Third Quarter
|
| | | $ | 22.23 | | | | | $ | 17.00 | | | | | $ | — | | |
Fourth Quarter
|
| | | $ | 30.26 | | | | | $ | 17.62 | | | | | $ | — | | |
2021 | | | | | | | | | | | | | | | | | | | |
First Quarter
|
| | | $ | 40.93 | | | | | $ | 28.52 | | | | | $ | — | | |
Second Quarter
|
| | | $ | 38.87 | | | | | $ | 33.00 | | | | | $ | 0.13 | | |
Third Quarter
|
| | | $ | 34.56 | | | | | $ | 29.28 | | | | | $ | 0.13 | | |
Fourth Quarter
|
| | | $ | 38.48 | | | | | $ | 32.38 | | | | | $ | 0.13 | | |
2022 | | | | | | | | | | | | | | | | | | | |
First Quarter
|
| | | $ | 39.31 | | | | | $ | 32.40 | | | | | $ | 0.13 | | |
Second Quarter
|
| | | $ | 35.96 | | | | | $ | 30.82 | | | | | $ | 0.17 | | |
Third Quarter
|
| | | $ | 36.92 | | | | | $ | 30.12 | | | | | $ | 0.17 | | |
Fourth Quarter (through November 9, 2022)
|
| | | $ | 32.91 | | | | | $ | 29.05 | | | | | $ | — | | |
| | |
Professional Common Stock
|
| |||||||||||||||
| | |
High
|
| |
Low
|
| |
Dividends
|
| |||||||||
2020 | | | | | | | | | | | | | | | | | | | |
First Quarter(a)
|
| | | $ | 20.00 | | | | | $ | 14.24 | | | | | $ | — | | |
Second Quarter
|
| | | $ | 17.75 | | | | | $ | 12.70 | | | | | $ | — | | |
Third Quarter
|
| | | $ | 14.35 | | | | | $ | 10.45 | | | | | $ | — | | |
Fourth Quarter
|
| | | $ | 18.00 | | | | | $ | 13.34 | | | | | $ | — | | |
2021 | | | | | | | | | | | | | | | | | | | |
First Quarter
|
| | | $ | 19.22 | | | | | $ | 14.97 | | | | | $ | — | | |
Second Quarter
|
| | | $ | 20.46 | | | | | $ | 17.58 | | | | | $ | — | | |
Third Quarter
|
| | | $ | 18.64 | | | | | $ | 17.08 | | | | | $ | — | | |
Fourth Quarter
|
| | | $ | 19.74 | | | | | $ | 18.48 | | | | | $ | — | | |
2022 | | | | | | | | | | | | | | | | | | | |
First Quarter
|
| | | $ | 23.70 | | | | | $ | 19.29 | | | | | $ | — | | |
Second Quarter
|
| | | $ | 23.92 | | | | | $ | 18.79 | | | | | $ | — | | |
Third Quarter
|
| | | $ | 31.25 | | | | | $ | 19.33 | | | | | $ | — | | |
Fourth Quarter (through November 9, 2022)
|
| | | $ | 28.33 | | | | | $ | 25.58 | | | | | $ | — | | |
|
1株当たりの取引価格/1株当たりの専門有形帳簿価値
|
| | | | 215% | | |
|
1株当たり出来高/LTM 1株当たり収益
|
| | | | 23.0x | | |
|
1株当たり出来高/2022年の1株当たり収益(1)
を予定
|
| | | | 20.5x | | |
|
1株当たり出来高/2023年の1株当たり収益(1)
を予定
|
| | | | 15.1x | | |
|
Core Deposit Premium(2)
|
| | | | 12.6% | | |
|
Core Deposit Premium(3)
|
| | | | 12.3% | | |
|
Market Premium as of August 3, 2022
|
| | | | 44.6% | | |
| | |
Beginning Value
8/3/2021 |
| |
Ending Value
8/3/2022 |
| ||||||
Seacoast
|
| | | | 100% | | | | | | 119.9% | | |
Seacoast Peer Group
|
| | | | 100% | | | | | | 105.6% | | |
S&P 500 Index
|
| | | | 100% | | | | | | 93.9% | | |
NASDAQ Bank Index
|
| | | | 100% | | | | | | 98.2% | | |
| | |
Beginning Value
8/3/2019 |
| |
Ending Value
8/3/2022 |
| ||||||
Seacoast
|
| | | | 100% | | | | | | 141.0% | | |
Seacoast Peer Group
|
| | | | 100% | | | | | | 111.0% | | |
S&P 500 Index
|
| | | | 100% | | | | | | 141.7% | | |
NASDAQ Bank Index
|
| | | | 100% | | | | | | 119.5% | | |
| | |
Beginning Value
8/3/2021 |
| |
Ending Value
8/3/2022 |
| ||||||
Professional
|
| | | | 100% | | | | | | 113.5% | | |
専門ピアグループ
|
| | | | 100% | | | | | | 102.3% | | |
S&P 500 Index
|
| | | | 100% | | | | | | 93.9% | | |
NASDAQ Bank Index
|
| | | | 100% | | | | | | 98.2% | | |
| | |
Beginning Value
8/3/2019 |
| |
Ending Value
8/3/2022 |
| ||||||
Professional
|
| | | | 100% | | | | | | 121.4% | | |
専門ピアグループ
|
| | | | 100% | | | | | | 114.5% | | |
S&P 500 Index
|
| | | | 100% | | | | | | 141.7% | | |
NASDAQ Bank Index
|
| | | | 100% | | | | | | 119.5% | | |
| Amerant Bancorp Inc. | | | Renasant Corp. | |
| 大西洋連合銀行株式会社 | | | ServisFirst BancShares Inc. | |
| City Holding Co. | | | 第1陣銀行株 | |
| FB Financial Corp. | | | TowneBank | |
| First Bancorp | | | Trustmark Corp. | |
| Live Oak BancShares Inc. | | | WesBanco Inc. | |
| | |
Seacoast
|
| |
Seacoast
Peer Group Median |
| |
Seacoast
Peer Group Mean |
| |
Seacoast
Peer Group Low |
| |
Seacoast
Peer Group High |
| |||||||||||||||
Total assets ($mm)
|
| | | | 10,812 | | | | | | 13,344 | | | | | | 12,809 | | | | | | 6,037 | | | | | | 19,662 | | |
Loans / Deposits(2) (%)
|
| | | | 71.2 | | | | | | 74.9 | | | | | | 76.4 | | | | | | 58.9 | | | | | | 92.3 | | |
不良資産/総資産(3)(%)
|
| | | | 0.30 | | | | | | 0.39 | | | | | | 0.43 | | | | | | 0.08 | | | | | | 1.60 | | |
有形普通株式資本/有形資産(4)(%)
|
| | | | 9.74 | | | | | | 7.43 | | | | | | 7.60 | | | | | | 6.43 | | | | | | 8.90 | | |
Tier 1 Leverage Ratio(5) (%)
|
| | | | 11.60 | | | | | | 9.43 | | | | | | 9.48 | | | | | | 8.19 | | | | | | 10.43 | | |
Total RBC Ratio(6) (%)
|
| | | | 17.70 | | | | | | 14.38 | | | | | | 14.44 | | | | | | 11.18 | | | | | | 16.98 | | |
Bank CRE / Total RBC Ratio (%)
|
| | | | 191.7 | | | | | | 262.4 | | | | | | 246.2 | | | | | | 165.1 | | | | | | 319.3 | | |
LTM Return on average assets (%)
|
| | | | 1.09 | | | | | | 1.15 | | | | | | 1.25 | | | | | | 0.64 | | | | | | 2.32 | | |
LTM Return on average equity (%)
|
| | | | 8.49 | | | | | | 9.93 | | | | | | 11.82 | | | | | | 6.47 | | | | | | 26.28 | | |
LTM Net interest margin (%)
|
| | | | 3.26 | | | | | | 3.03 | | | | | | 3.07 | | | | | | 2.64 | | | | | | 3.98 | | |
LTM Efficiency ratio (%)
|
| | | | 53.0 | | | | | | 61.0 | | | | | | 59.1 | | | | | | 32.2 | | | | | | 76.0 | | |
Price/Tangible book value (%)
|
| | | | 219 | | | | | | 179 | | | | | | 201 | | | | | | 130 | | | | | | 392 | | |
価格/LTM 1株当たり収益(X)
|
| | | | 19.4 | | | | | | 11.9 | | | | | | 12.9 | | | | | | 9.0 | | | | | | 20.9 | | |
Price/2022E Earnings per share
|
| | | | 22.1 | | | | | | 11.9 | | | | | | 12.9 | | | | | | 9.0 | | | | | | 18.5 | | |
Price/2023E Earnings per share
|
| | | | 14.2 | | | | | | 10.8 | | | | | | 11.6 | | | | | | 8.3 | | | | | | 17.0 | | |
Current Dividend Yield (%)
|
| | | | 1.9 | | | | | | 2.6 | | | | | | 2.3 | | | | | | 0.3 | | | | | | 4.0 | | |
Market value ($mm)
|
| | | | 2,224 | | | | | | 1,932 | | | | | | 1,917 | | | | | | 604 | | | | | | 4,701 | | |
| アメリカ国立銀行株式会社 | | | FVCBankcorp Inc. | |
| 藍嶺銀行株式会社 | | | HomeTrust BancShares Inc. | |
| Burke & Herbert Bank & Trust | | | ジョン·マーシャル銀行株式会社 | |
| C&F Financial Corp. | | | MetroCity BankShares Inc. | |
| Capstar Financial Hldgs Inc. | | | MVB Financial Corp | |
| Colony Bankcorp Inc. | | | Primis Financial Corp. | |
| FineMark Holdings Inc. | | | River Financial Corp. | |
| First Citizens BancShares Inc. | | | 南方第一銀行株式会社 | |
| First Community BankShares Inc. | | | | |
| | |
Professional
|
| |
Professional
Peer Group Median |
| |
Professional
Peer Group Mean |
| |
Professional
Peer Group Low |
| |
Professional
Peer Group High |
| |||||||||||||||
Total assets ($mm)
|
| | | | 2,662 | | | | | | 3,097 | | | | | | 2,953 | | | | | | 2,290 | | | | | | 3,586 | | |
Loans / Deposits (%)
|
| | | | 83.4 | | | | | | 82.8 | | | | | | 81.0 | | | | | | 59.1 | | | | | | 115.6 | | |
不良資産/総資産(1)(%)
|
| | | | 0.09 | | | | | | 0.22 | | | | | | 0.37 | | | | | | 0.02 | | | | | | 1.07 | | |
有形普通株式資本/有形資産(%)
|
| | | | 7.89 | | | | | | 8.25 | | | | | | 8.21 | | | | | | 4.13 | | | | | | 10.31 | | |
Tier 1 Leverage Ratio(2) (%)
|
| | | | 8.10 | | | | | | 10.11 | | | | | | 10.04 | | | | | | 8.36 | | | | | | 11.63 | | |
Total RBC Ratio(3) (%)
|
| | | | 12.80 | | | | | | 14.96 | | | | | | 15.30 | | | | | | 11.02 | | | | | | 20.03 | | |
CRE / Total RBC Ratio (%)
|
| | | | 283.8 | | | | | | 269.5 | | | | | | 247.6 | | | | | | 36.6 | | | | | | 385.1 | | |
LTM Return on average assets (%)
|
| | | | 0.73 | | | | | | 1.17 | | | | | | 1.21 | | | | | | 0.63 | | | | | | 2.40 | | |
LTM Return on average equity (%)
|
| | | | 8.58 | | | | | | 11.82 | | | | | | 12.25 | | | | | | 5.15 | | | | | | 24.30 | | |
LTM Net interest margin (%)
|
| | | | 3.07 | | | | | | 3.22 | | | | | | 3.30 | | | | | | 2.20 | | | | | | 4.27 | | |
LTM Efficiency ratio (%)
|
| | | | 60.1 | | | | | | 59.7 | | | | | | 60.9 | | | | | | 34.4 | | | | | | 89.5 | | |
Price/Tangible book value (%)
|
| | | | 148 | | | | | | 141 | | | | | | 143 | | | | | | 101 | | | | | | 209 | | |
価格/LTM 1株当たり収益(X)
|
| | | | 15.9 | | | | | | 10.2 | | | | | | 10.5 | | | | | | 6.6 | | | | | | 16.0 | | |
Price/2022E Earnings per share
|
| | | | 11.5 | | | | | | 11.0 | | | | | | 12.0 | | | | | | 7.4 | | | | | | 22.0 | | |
Price/2023E Earnings per share
|
| | | | 10.9 | | | | | | 10.3 | | | | | | 10.2 | | | | | | 7.9 | | | | | | 12.1 | | |
Current Dividend Yield (%)
|
| | | | — | | | | | | 2.9 | | | | | | 2.7 | | | | | | 1.4 | | | | | | 4.1 | | |
Market value ($mm)
|
| | | | 309 | | | | | | 351 | | | | | | 346 | | | | | | 169 | | | | | | 525 | | |
Acquiror
|
| |
Target
|
|
第1陣銀行株 | | | 遺産東南銀行。 | |
HomeTrust BancShares Inc. | | | Quantum Capital Corp. | |
First Bancorp | | | 大南銀行 | |
F.N.B. Corp. | | | UB Bancorp | |
DFCU Financial | | | 第一柑橘銀行。Inc. | |
共同コミュニティ銀行株式会社 | | | 進歩金融会社 | |
フロリダ海岸銀行会社 | | | Drummond Banking Co. | |
第1陣銀行株 | | | Beach Bancorp Inc. | |
フロリダ海岸銀行会社 | | | アポロ銀行/アポロ銀行 | |
共同コミュニティ銀行株式会社 | | | Reliant Bancorp Inc. | |
Lake Michigan CU | | | Pilot Bancshares Inc. | |
シモンズ第一国家会社 | | | Triumph BancShares Inc. | |
シモンズ第一国家会社 | | | ランドマークコミュニティ銀行 | |
連合銀行株式会社 | | | コミュニティ銀行家信託会社 | |
First Bancorp | | | Select Bancorp Inc. | |
共同コミュニティ銀行株式会社 | | | Aquesta Financial Holdings | |
Peoples Bancorp Inc. | | | Premier Financial Bancorp Inc. | |
FL海岸銀行会社 | | | フロリダ遺産銀行 | |
BancorpSouth Bank | | | FNS Bancshares Inc. | |
| | |
Seacoast/
プロ型 |
| |
地域前例取引
|
| ||||||||||||||||||||||||
| | |
Median
|
| |
Mean
|
| |
Low
|
| |
High
|
| ||||||||||||||||||
出来高/LTM 1株当たり収益(X)
|
| | | | 23.0 | | | | | | 14.1 | | | | | | 14.6 | | | | | | 4.2 | | | | | | 23.8 | | |
出来高/1株当たり収益予想(X)
|
| | | | 15.1 | | | | | | 12.3 | | | | | | 12.5 | | | | | | 10.8 | | | | | | 14.4 | | |
取引価格/1株当たり有形帳簿価値(%)
|
| | | | 215 | | | | | | 179 | | | | | | 174 | | | | | | 139 | | | | | | 217 | | |
有形帳簿価値コア預金に対する割増(%)
|
| | | | 12.6 | | | | | | 9.3 | | | | | | 9.0 | | | | | | 4.4 | | | | | | 16.2 | | |
1-Day Market Premium (%)
|
| | | | 44.6 | | | | | | 28.6 | | | | | | 30.1 | | | | | | 9.5 | | | | | | 66.5 | | |
Discount
Rate |
| |
10.0x
|
| |
11.5x
|
| |
13.0x
|
| |
14.5x
|
| |
16.0x
|
| |
17.5x
|
| |||||||||||||||||||||
| | 8.0% | | | | | $ | 22.97 | | | | | $ | 26.03 | | | | | $ | 29.09 | | | | | $ | 32.15 | | | | | $ | 35.21 | | | | | $ | 38.27 | | |
| | 9.0% | | | | | $ | 22.04 | | | | | $ | 24.97 | | | | | $ | 27.89 | | | | | $ | 30.82 | | | | | $ | 33.75 | | | | | $ | 36.68 | | |
| | 10.0% | | | | | $ | 21.15 | | | | | $ | 23.95 | | | | | $ | 26.76 | | | | | $ | 29.56 | | | | | $ | 32.36 | | | | | $ | 35.17 | | |
| | 11.0% | | | | | $ | 20.30 | | | | | $ | 22.99 | | | | | $ | 25.67 | | | | | $ | 28.36 | | | | | $ | 31.05 | | | | | $ | 33.73 | | |
| | 12.0% | | | | | $ | 19.50 | | | | | $ | 22.07 | | | | | $ | 24.65 | | | | | $ | 27.22 | | | | | $ | 29.80 | | | | | $ | 32.37 | | |
Discount
Rate |
| |
150%
|
| |
165%
|
| |
180%
|
| |
195%
|
| |
210%
|
| |
225%
|
| |||||||||||||||||||||
| | 8.0% | | | | | $ | 28.69 | | | | | $ | 31.30 | | | | | $ | 33.91 | | | | | $ | 36.52 | | | | | $ | 39.13 | | | | | $ | 41.74 | | |
| | 9.0% | | | | | $ | 27.50 | | | | | $ | 30.00 | | | | | $ | 32.50 | | | | | $ | 35.00 | | | | | $ | 37.50 | | | | | $ | 40.00 | | |
| | 10.0% | | | | | $ | 26.38 | | | | | $ | 28.78 | | | | | $ | 31.17 | | | | | $ | 33.56 | | | | | $ | 35.95 | | | | | $ | 38.34 | | |
| | 11.0% | | | | | $ | 25.32 | | | | | $ | 27.61 | | | | | $ | 29.90 | | | | | $ | 32.19 | | | | | $ | 34.48 | | | | | $ | 36.78 | | |
| | 12.0% | | | | | $ | 24.30 | | | | | $ | 26.50 | | | | | $ | 28.70 | | | | | $ | 30.89 | | | | | $ | 33.09 | | | | | $ | 35.28 | | |
Annual
Estimate Variance |
| |
10.0x
|
| |
11.5x
|
| |
13.0x
|
| |
14.5x
|
| |
16.0x
|
| |
17.5x
|
| |||||||||||||||||||||
| | (20.0)% | | | | | $ | 18.24 | | | | | $ | 20.60 | | | | | $ | 22.96 | | | | | $ | 25.32 | | | | | $ | 27.68 | | | | | $ | 30.04 | | |
| | (10.0)% | | | | | $ | 20.21 | | | | | $ | 22.86 | | | | | $ | 25.51 | | | | | $ | 28.17 | | | | | $ | 30.82 | | | | | $ | 33.47 | | |
| | 0.0% | | | | | $ | 22.17 | | | | | $ | 25.12 | | | | | $ | 28.07 | | | | | $ | 31.02 | | | | | $ | 33.97 | | | | | $ | 36.91 | | |
| | 10.0% | | | | | $ | 24.14 | | | | | $ | 27.38 | | | | | $ | 30.62 | | | | | $ | 33.87 | | | | | $ | 37.11 | | | | | $ | 40.35 | | |
| | 20.0% | | | | | $ | 26.10 | | | | | $ | 29.64 | | | | | $ | 33.18 | | | | | $ | 36.72 | | | | | $ | 40.25 | | | | | $ | 43.79 | | |
Discount
Rate |
| |
8.0x
|
| |
9.0x
|
| |
10.0x
|
| |
11.0x
|
| |
12.0x
|
| |
13.0x
|
| |||||||||||||||||||||
| | 9.0% | | | | | $ | 13.89 | | | | | $ | 15.63 | | | | | $ | 17.37 | | | | | $ | 19.10 | | | | | $ | 20.84 | | | | | $ | 22.58 | | |
| | 10.0% | | | | | $ | 13.30 | | | | | $ | 14.97 | | | | | $ | 16.63 | | | | | $ | 18.29 | | | | | $ | 19.95 | | | | | $ | 21.62 | | |
| | 11.0% | | | | | $ | 12.74 | | | | | $ | 14.34 | | | | | $ | 15.93 | | | | | $ | 17.52 | | | | | $ | 19.11 | | | | | $ | 20.71 | | |
| | 12.0% | | | | | $ | 12.21 | | | | | $ | 13.74 | | | | | $ | 15.26 | | | | | $ | 16.79 | | | | | $ | 18.32 | | | | | $ | 19.84 | | |
| | 13.0% | | | | | $ | 11.71 | | | | | $ | 13.17 | | | | | $ | 14.63 | | | | | $ | 16.10 | | | | | $ | 17.56 | | | | | $ | 19.02 | | |
Discount
Rate |
| |
125%
|
| |
135%
|
| |
145%
|
| |
155%
|
| |
165%
|
| |
175%
|
| |||||||||||||||||||||
| | 9.0% | | | | | $ | 21.72 | | | | | $ | 23.46 | | | | | $ | 25.20 | | | | | $ | 26.94 | | | | | $ | 28.67 | | | | | $ | 30.41 | | |
| | 10.0% | | | | | $ | 20.80 | | | | | $ | 22.47 | | | | | $ | 24.13 | | | | | $ | 25.79 | | | | | $ | 27.46 | | | | | $ | 29.12 | | |
| | 11.0% | | | | | $ | 19.93 | | | | | $ | 21.52 | | | | | $ | 23.11 | | | | | $ | 24.71 | | | | | $ | 26.30 | | | | | $ | 27.90 | | |
| | 12.0% | | | | | $ | 19.09 | | | | | $ | 20.62 | | | | | $ | 22.15 | | | | | $ | 23.68 | | | | | $ | 25.21 | | | | | $ | 26.73 | | |
| | 13.0% | | | | | $ | 18.31 | | | | | $ | 19.77 | | | | | $ | 21.23 | | | | | $ | 22.70 | | | | | $ | 24.16 | | | | | $ | 25.63 | | |
Annual
Estimate Variance |
| |
8.0x
|
| |
9.0x
|
| |
10.0x
|
| |
11.0x
|
| |
12.0x
|
| |
13.0x
|
| |||||||||||||||||||||
| | (20.0)% | | | | | $ | 9.83 | | | | | $ | 11.06 | | | | | $ | 12.28 | | | | | $ | 13.51 | | | | | $ | 14.74 | | | | | $ | 15.97 | | |
| | (10.0)% | | | | | $ | 11.06 | | | | | $ | 12.44 | | | | | $ | 13.82 | | | | | $ | 15.20 | | | | | $ | 16.58 | | | | | $ | 17.97 | | |
| | 0.0% | | | | | $ | 12.28 | | | | | $ | 13.82 | | | | | $ | 15.36 | | | | | $ | 16.89 | | | | | $ | 18.43 | | | | | $ | 19.96 | | |
| | 10.0% | | | | | $ | 13.51 | | | | | $ | 15.20 | | | | | $ | 16.89 | | | | | $ | 18.58 | | | | | $ | 20.27 | | | | | $ | 21.96 | | |
| | 20.0% | | | | | $ | 14.74 | | | | | $ | 16.58 | | | | | $ | 18.43 | | | | | $ | 20.27 | | | | | $ | 22.11 | | | | | $ | 23.95 | | |
Discount
Rate |
| |
8.0x
|
| |
9.0x
|
| |
10.0x
|
| |
11.0x
|
| |
12.0x
|
| |
13.0x
|
| |||||||||||||||||||||
| | 9.0% | | | | | $ | 26.28 | | | | | $ | 29.57 | | | | | $ | 32.86 | | | | | $ | 36.14 | | | | | $ | 39.43 | | | | | $ | 42.71 | | |
| | 10.0% | | | | | $ | 25.17 | | | | | $ | 28.31 | | | | | $ | 31.46 | | | | | $ | 34.61 | | | | | $ | 37.75 | | | | | $ | 40.90 | | |
| | 11.0% | | | | | $ | 24.11 | | | | | $ | 27.12 | | | | | $ | 30.14 | | | | | $ | 33.15 | | | | | $ | 36.16 | | | | | $ | 39.18 | | |
| | 12.0% | | | | | $ | 23.10 | | | | | $ | 25.99 | | | | | $ | 28.88 | | | | | $ | 31.77 | | | | | $ | 34.66 | | | | | $ | 37.54 | | |
| | 13.0% | | | | | $ | 22.15 | | | | | $ | 24.92 | | | | | $ | 27.69 | | | | | $ | 30.45 | | | | | $ | 33.22 | | | | | $ | 35.99 | | |
Discount
Rate |
| |
125%
|
| |
135%
|
| |
145%
|
| |
155%
|
| |
165%
|
| |
175%
|
| |||||||||||||||||||||
| | 9.0% | | | | | $ | 27.70 | | | | | $ | 29.91 | | | | | $ | 32.13 | | | | | $ | 34.34 | | | | | $ | 36.56 | | | | | $ | 38.77 | | |
| | 10.0% | | | | | $ | 26.52 | | | | | $ | 28.64 | | | | | $ | 30.76 | | | | | $ | 32.88 | | | | | $ | 35.01 | | | | | $ | 37.13 | | |
| | 11.0% | | | | | $ | 25.40 | | | | | $ | 27.44 | | | | | $ | 29.47 | | | | | $ | 31.50 | | | | | $ | 33.53 | | | | | $ | 35.57 | | |
| | 12.0% | | | | | $ | 24.34 | | | | | $ | 26.29 | | | | | $ | 28.24 | | | | | $ | 30.19 | | | | | $ | 32.13 | | | | | $ | 34.08 | | |
| | 13.0% | | | | | $ | 23.34 | | | | | $ | 25.21 | | | | | $ | 27.07 | | | | | $ | 28.94 | | | | | $ | 30.81 | | | | | $ | 32.67 | | |
Annual
Estimate Variance |
| |
8.0x
|
| |
9.0x
|
| |
10.0x
|
| |
11.0x
|
| |
12.0x
|
| |
13.0x
|
| |||||||||||||||||||||
| | (20.0)% | | | | | $ | 20.78 | | | | | $ | 23.38 | | | | | $ | 25.98 | | | | | $ | 28.58 | | | | | $ | 31.18 | | | | | $ | 33.78 | | |
| | (10.0)% | | | | | $ | 22.01 | | | | | $ | 24.76 | | | | | $ | 27.52 | | | | | $ | 30.27 | | | | | $ | 33.02 | | | | | $ | 35.77 | | |
| | 0.0% | | | | | $ | 23.24 | | | | | $ | 26.15 | | | | | $ | 29.05 | | | | | $ | 31.96 | | | | | $ | 34.86 | | | | | $ | 37.77 | | |
| | 10.0% | | | | | $ | 24.47 | | | | | $ | 27.53 | | | | | $ | 30.59 | | | | | $ | 33.65 | | | | | $ | 36.71 | | | | | $ | 39.76 | | |
| | 20.0% | | | | | $ | 25.70 | | | | | $ | 28.91 | | | | | $ | 32.12 | | | | | $ | 35.34 | | | | | $ | 38.55 | | | | | $ | 41.76 | | |
|
取引金額/報告有形帳簿価値(合計):
|
| | | | 233% | | |
|
取引額/最近12ヶ月(“LTM”)収益(1):
|
| | | | 21.5x | | |
|
Core Deposit Premium(2):
|
| | | | 12.3% | | |
| | |
Contribution ($M)
|
| |
Contribution (%)
|
| |
Implied Exchange
Ratio |
| |||||||||||||||||||||||||||
| | |
Seacoast
|
| |
Professional
|
| |
Pro Forma
|
| |
Seacoast
|
| |
Professional
|
| |||||||||||||||||||||
Balance Sheet | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Total Assets
|
| | | | 12,888.8 | | | | | | 2,661.5 | | | | | | 15,550.4 | | | | | | 82.9 | | | | | | 17.1 | | | | | | 0.9923x | | |
Gross Loans
|
| | | | 7,862.7 | | | | | | 1,987.2 | | | | | | 9,849.9 | | | | | | 79.8 | | | | | | 20.2 | | | | | | 1.2061x | | |
Deposits
|
| | | | 11,043.6 | | | | | | 2,381.7 | | | | | | 13,425.4 | | | | | | 82.3 | | | | | | 17.7 | | | | | | 1.0347x | | |
Tangible Common Equity
|
| | | | 1,142.5 | | | | | | 208.0 | | | | | | 1,350.5 | | | | | | 84.6 | | | | | | 15.4 | | | | | | 0.8791x | | |
Average
|
| | | | 82.4 | | | | | | 17.6 | | | | | | 1.0280x | | | ||||||||||||||||||
Profitability | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
YTD 2022 Core PTPP
|
| | | | 88.1 | | | | | | 18.6 | | | | | | 106.7 | | | | | | 82.6 | | | | | | 17.4 | | | | | | 1.0111x | | |
YTD 2022 Core Net Income
|
| | | | 63.4 | | | | | | 12.3 | | | | | | 75.7 | | | | | | 83.7 | | | | | | 16.3 | | | | | | 0.9368x | | |
FY 2022E Net Income (Internal)(1)
|
| | | | 137.4 | | | | | | 26.4 | | | | | | 163.8 | | | | | | 83.9 | | | | | | 16.1 | | | | | | 0.9262x | | |
FY 2023E Net Income (Internal)(1)
|
| | | | 182.8 | | | | | | 40.5 | | | | | | 223.3 | | | | | | 81.9 | | | | | | 18.1 | | | | | | 1.0624x | | |
| | |
Contribution ($M)
|
| |
Contribution (%)
|
| |
Implied Exchange
Ratio |
| |||||||||||||||||||||||||||
| | |
Seacoast
|
| |
Professional
|
| |
Pro Forma
|
| |
Seacoast
|
| |
Professional
|
| |||||||||||||||||||||
FY 2022E Net Income (Consensus)(2)
|
| | | | 137.4 | | | | | | 26.6 | | | | | | 164.0 | | | | | | 83.8 | | | | | | 16.2 | | | | | | 0.9309x | | |
FY 2023E Net Income (Consensus)(2)
|
| | | | 182.8 | | | | | | 29.1 | | | | | | 211.9 | | | | | | 86.3 | | | | | | 13.7 | | | | | | 0.7735x | | |
Average
|
| | | | 83.7 | | | | | | 16.3 | | | | | | 0.9402x | | | ||||||||||||||||||
Market Cap.
|
| | | | 2,223.9 | | | | | | 308.7 | | | | | | 2,532.5 | | | | | | 87.8 | | | | | | 12.2 | | | | | | 0.6792x | | |
High
|
| | | | 79.8 | | | | | | 20.2 | | | | | | 1.2061x | | | ||||||||||||||||||
Low
|
| | | | 87.8 | | | | | | 12.2 | | | | | | 0.6792x | | | ||||||||||||||||||
Seacoast/
プロ型 |
| | | | 84.4 | | | | | | 15.6 | | | | | | 0.8909x | | |
| | |
Professional
Holding Corp. |
| |
25th
Percentile |
| |
Median
|
| |
75th
Percentile |
| ||||||||||||
Total Assets ($mm)
|
| | | $ | 2,662 | | | | | $ | 2,425 | | | | | $ | 2,960 | | | | | $ | 3,248 | | |
LTM Loan Growth (ex. PPP)
|
| | | | 17.8% | | | | | | 12.5% | | | | | | 15.8% | | | | | | 19.2% | | |
Securities / Assets
|
| | | | 22.0% | | | | | | 24.3% | | | | | | 19.7% | | | | | | 10.2% | | |
TCE / TA
|
| | | | 7.9% | | | | | | 7.2% | | | | | | 7.9% | | | | | | 9.2% | | |
Loans / Deposits
|
| | | | 83.4% | | | | | | 76.0% | | | | | | 85.5% | | | | | | 93.3% | | |
CRE/TRBC
|
| | | | 284% | | | | | | 242% | | | | | | 278% | | | | | | 328% | | |
Tier 1 Leverage Ratio
|
| | | | 8.5% | | | | | | 9.1% | | | | | | 9.9% | | | | | | 10.7% | | |
TRBC Ratio
|
| | | | 12.1% | | | | | | 12.7% | | | | | | 13.6% | | | | | | 14.3% | | |
NIB Deposits / Deposits
|
| | | | 32.6% | | | | | | 25.3% | | | | | | 29.6% | | | | | | 36.2% | | |
TBV + Dividends (1-Yr CAGR)
|
| | | | 3.4% | | | | | | (6.1)% | | | | | | 0.5% | | | | | | 10.7% | | |
TBV + Dividends (3-Yr CAGR)
|
| | | | 3.6% | | | | | | 6.0% | | | | | | 8.8% | | | | | | 11.3% | | |
TBV + Dividends (5-Yr CAGR)
|
| | | | NM | | | | | | 6.8% | | | | | | 9.7% | | | | | | 11.8% | | |
NPA / Assets(1)
|
| | | | 0.06% | | | | | | 0.43% | | | | | | 0.19% | | | | | | 0.09% | | |
ALLL / Loans (ex. PPP)
|
| | | | 0.77% | | | | | | 1.18% | | | | | | 1.11% | | | | | | 0.95% | | |
Cost of Total Deposits
|
| | | | 0.24% | | | | | | 0.29% | | | | | | 0.23% | | | | | | 0.15% | | |
Net Interest Margin
|
| | | | 3.41% | | | | | | 3.13% | | | | | | 3.47% | | | | | | 3.75% | | |
Fee Income / Revenue
|
| | | | 7.5% | | | | | | 9.7% | | | | | | 16.1% | | | | | | 19.3% | | |
Efficiency Ratio
|
| | | | 53.0% | | | | | | 61.7% | | | | | | 57.3% | | | | | | 47.3% | | |
LTM Core ROAA
|
| | | | 0.82% | | | | | | 1.12% | | | | | | 1.32% | | | | | | 1.47% | | |
LTM Core ROATCE
|
| | | | 10.9% | | | | | | 13.5% | | | | | | 15.5% | | | | | | 17.3% | | |
Core ROAA
|
| | | | 1.03% | | | | | | 1.12% | | | | | | 1.30% | | | | | | 1.51% | | |
| | |
Professional
Holding Corp. |
| |
25th
Percentile |
| |
Median
|
| |
75th
Percentile |
| ||||||||||||
Core ROATCE
|
| | | | 13.7% | | | | | | 13.6% | | | | | | 16.4% | | | | | | 20.1% | | |
Estimated 2022 ROA
|
| | | | 1.00% | | | | | | 1.10% | | | | | | 1.22% | | | | | | 1.41% | | |
Estimated 2023 ROA
|
| | | | 1.11% | | | | | | 1.10% | | | | | | 1.17% | | | | | | 1.33% | | |
Estimated 2022 ROTE
|
| | | | 11.8% | | | | | | 13.5% | | | | | | 14.6% | | | | | | 16.2% | | |
機関所有権
|
| | | | 61% | | | | | | 30% | | | | | | 39% | | | | | | 45% | | |
Insider Ownership
|
| | | | 8% | | | | | | 11% | | | | | | 16% | | | | | | 27% | | |
Retail Ownership
|
| | | | 31% | | | | | | 37% | | | | | | 45% | | | | | | 48% | | |
Market Cap ($mm)
|
| | | $ | 309 | | | | | $ | 275 | | | | | $ | 335 | | | | | $ | 380 | | |
LTM ADTV(2) ($mm)
|
| | | $ | 1.0 | | | | | $ | 0.5 | | | | | $ | 0.6 | | | | | $ | 0.8 | | |
Price / Tangible Book Value
|
| | | | 1.48x | | | | | | 1.32x | | | | | | 1.46x | | | | | | 1.58x | | |
Price / LTM EPS
|
| | | | 15.9x | | | | | | 8.0x | | | | | | 8.6x | | | | | | 9.9x | | |
Price / NTM EPS
|
| | | | 10.3x | | | | | | 7.9x | | | | | | 8.6x | | | | | | 10.6x | | |
Price / 2022 Estimated EPS
|
| | | | 11.5x | | | | | | 8.0x | | | | | | 9.0x | | | | | | 10.8x | | |
Price / 2023 Estimated EPS
|
| | | | 10.4x | | | | | | 7.6x | | | | | | 8.7x | | | | | | 10.4x | | |
Dividend Yield
|
| | | | 0.0% | | | | | | 1.7% | | | | | | 2.4% | | | | | | 2.9% | | |
LTM Dividend Payout
|
| | | | 0.0% | | | | | | 13.2% | | | | | | 20.4% | | | | | | 25.9% | | |
Methodology
|
| |
例値範囲
を示す
|
| |||
1株あたりの有形帳簿価値
|
| | | $ | 20.03 – $23.96 | | |
Core LTM Non-GAAP EPS
|
| | | $ | 12.57 – $15.61 | | |
2022E Consensus EPS
|
| | | $ | 15.69 – $21.07 | | |
2023E Consensus EPS
|
| | | $ | 16.37 – $22.54 | | |
2022E Management EPS
|
| | | $ | 15.48 – $20.78 | | |
2023E Management EPS
|
| | | $ | 22.16 – $30.51 | | |
| | |
Professional
Holding Corp. |
| |
25th
Percentile |
| |
Median
|
| |
75th
Percentile |
| ||||||||||||
Deal Value ($mm)
|
| | | $ | 484 | | | | | $ | 268 | | | | | $ | 305 | | | | | $ | 404 | | |
Stock Consideration
|
| | | | 100% | | | | | | 81% | | | | | | 99% | | | | | | 100% | | |
Cost Saves
|
| | | | 44% | | | | | | 30% | | | | | | 30% | | | | | | 35% | | |
目標価格/有形帳簿価値
|
| | | | 2.33x | | | | | | 1.52x | | | | | | 1.68x | | | | | | 1.83x | | |
買手の価格/有形帳簿価値
|
| | | | 2.13x | | | | | | 1.50x | | | | | | 1.71x | | | | | | 1.87x | | |
Pay-to-Trade(1) | | | | | 1.10x | | | | | | 0.88x | | | | | | 1.01x | | | | | | 1.06x | | |
Transaction Value / LTM EPS
|
| | | | 21.5x | | | | | | 12.5x | | | | | | 14.5x | | | | | | 18.3x | | |
Core Deposit Premium
|
| | | | 12.3% | | | | | | 6.9% | | | | | | 8.2% | | | | | | 10.9% | | |
EPS Accretion / (Dilution)
|
| | | | 10.4% | | | | | | 5.8% | | | | | | 10.0% | | | | | | 13.0% | | |
有形帳簿価値増加/(希釈)
|
| | | | (6.2)% | | | | | | (4.2)% | | | | | | (3.3)% | | | | | | (2.0)% | | |
有形帳簿価値回収額(年)
|
| | | | 2.5 | | | | | | 2.0 | | | | | | 2.6 | | | | | | 3.0 | | |
Target Total Assets ($mm)
|
| | | $ | 2,662 | | | | | $ | 1,789 | | | | | $ | 1,985 | | | | | $ | 2,600 | | |
Target NPAs / Assets
|
| | | | 0.1% | | | | | | 0.3% | | | | | | 0.5% | | | | | | 0.8% | | |
Target LTM ROAA
|
| | | | 0.7% | | | | | | 0.9% | | | | | | 1.2% | | | | | | 1.3% | | |
Methodology
|
| |
例値範囲
を示す
|
| |||
Tangible Book Value
|
| | | $ | 23.03 – $27.71 | | |
Core LTM Non-GAAP EPS
|
| | | $ | 19.80 – $28.87 | | |
Core Deposit Premium
|
| | | $ | 23.33 – $30.89 | | |
| | |
Professional
Holding Corp. |
| |
25th
Percentile |
| |
Median
|
| |
75th
Percentile |
| ||||||||||||
Deal Value ($mm)
|
| | | $ | 484 | | | | | $ | 115 | | | | | $ | 190 | | | | | $ | 460 | | |
Stock Consideration
|
| | | | 100% | | | | | | 36% | | | | | | 90% | | | | | | 99% | | |
Cost Saves
|
| | | | 44% | | | | | | 30% | | | | | | 35% | | | | | | 40% | | |
目標価格/有形帳簿価値
|
| | | | 2.33x | | | | | | 1.53x | | | | | | 1.71x | | | | | | 2.06x | | |
買手の価格/有形帳簿価値
|
| | | | 2.13x | | | | | | 1.48x | | | | | | 1.72x | | | | | | 2.09x | | |
Pay-to-Trade(1) | | | | | 1.1x | | | | | | 0.9x | | | | | | 1.0x | | | | | | 1.1x | | |
Transaction Value / LTM EPS
|
| | | | 21.5x | | | | | | 13.2x | | | | | | 16.2x | | | | | | 18.4x | | |
Core Deposit Premium
|
| | | | 12.3% | | | | | | 7.0% | | | | | | 9.7% | | | | | | 13.9% | | |
EPS Accretion / (Dilution)
|
| | | | 10.4% | | | | | | 8.3% | | | | | | 9.8% | | | | | | 11.5% | | |
有形帳簿価値増加/(希釈)
|
| | | | (6.2)% | | | | | | (5.1)% | | | | | | (2.6)% | | | | | | (1.4)% | | |
有形帳簿価値回収額(年)
|
| | | | 2.5 | | | | | | 3.0 | | | | | | 2.3 | | | | | | 1.7 | | |
Target Total Assets ($mm)
|
| | | $ | 2,662 | | | | | $ | 624 | | | | | $ | 1,035 | | | | | $ | 2,203 | | |
Target NPAs / Assets
|
| | | | 0.1% | | | | | | 1.1% | | | | | | 0.4% | | | | | | 0.2% | | |
Target LTM ROAA
|
| | | | 0.7% | | | | | | 0.9% | | | | | | 1.2% | | | | | | 1.4% | | |
Methodology
|
| |
例値範囲
を示す
|
| |||
1株あたりの有形帳簿価値
|
| | | $ | 23.16 – $31.15 | | |
Core LTM Non-GAAP EPS
|
| | | $ | 20.93 – $29.06 | | |
Core Deposit Premium
|
| | | $ | 23.39 – $35.11 | | |
Name
|
| |
Options
|
| |
Restricted
Stock Awards |
| |
Stock
Appreciation Rights |
| |||||||||
Abel L. Iglesias
|
| | | | 0 | | | | | | 27,500 | | | | | | 104,500 | | |
Mary Usategui
|
| | | | 0 | | | | | | 22,500 | | | | | | 52,500 | | |
マイケル·C·サンタガー
|
| | | | 0 | | | | | | 5,333 | | | | | | 0 | | |
Ryan L. Gorney
|
| | | | 0 | | | | | | 17,767 | | | | | | 20,000 | | |
Total | | | | | 0 | | | | | | 73,100 | | | | | | 177,000 | | |
| | |
PROFESSIONAL
|
| |
SEACOAST
|
|
Capital Stock
|
| | 専門株の所有者は、FBCA及び専門会社の定款及び定款に基づいて資本株主に提供するすべての権利及び義務を有する権利を有する。 | | | Br海岸会社の株式の所有者は、FBCAと海岸会社の定款と附例によって資本株主に与えられるすべての権利と義務を有する権利を有する。 | |
Authorized
|
| | 専門家の法定株式は、50,000,000株のA類投票権付き普通株、1株当たり額面0.01ドル、10,000,000株B類無投票権普通株、1株当たり0.01ドル、および10,000,000株優先株(1つまたは複数のシリーズで発行可能な単独および単一カテゴリの株を構成する)を含む。 | | | 海岸ホールディングスの法定株式には、120,000,000株の普通株、1株当たり額面0.10ドル、および4,000,000株の優先株が含まれており、1株当たり0.10ドルの価値が宣言されている(うち2,000株は固定金利累積永久優先株に指定されており、Aシリーズと50,000株は強制転換可能な累積無投票権優先株、Bシリーズに指定されている)。 | |
Outstanding
|
| | 2022年9月15日現在、13,811,084株の専門A類に投票権普通株流通株があり、B類無投票権普通株または優先株流通株がない。 | | | 2022年9月30日までに発行された海岸会社普通株は61,476,328株であり,発行済みの海岸会社優先株はない。 | |
Voting Rights
|
| | 取締役選挙とすべての提出採決の事項において、専門A類普通株の保有者は1株当たり1票の投票権を有する | | | 海岸普通株の保有者は、通常、役員選挙と提出採決のすべての事項で1株1票の投票権を有している | |
| | |
PROFESSIONAL
|
| |
SEACOAST
|
|
| | | 株主総会で。 | | | meeting of shareholders. | |
Cumulative Voting
|
| | いずれの株主も取締役選挙では累計投票権がない. | | | いずれの株主も取締役選挙では累計投票権がない. | |
Dividends
|
| |
FBCAにより,会社はその株主に割り当てることができず,条件は:
•
会社は正常業務過程で満期になった債務を返済できない;または
•
会社の資産は,その総負債の総和よりも少なくなる(会社の定款が別途規定されていない限り),すなわち会社が割り当て時に解散した場合,その優先権利が割り当てを受けた株主の優先権利よりも優れているために必要な金額を満たす.
また、FRBの政策により、銀行持株会社はFRBと協議し、以下の場合、その配当金をキャンセル、延期、または大幅に減少させるべきである:
•
過去4四半期に株主が使用できる純収入は、以前にその間に支払われた配当金を差し引くと、配当金に全資金を提供するのに十分ではない。
•
その期待収益保有率は、その資本需要および現在および予想される全体的な財務状況と一致しない;または
•
それはその最低規制資本充足率に達成できないか、または達成できない危険に直面するだろう。
|
| | 海岸普通株保有者は、2009年に採択されたFBCAとFRB政策の同じ条項を遵守しなければならない。 | |
Number of Directors
|
| | 専門会社定款の規定によると、専門会社取締役会は一(1)人以上から構成され、具体的な人数は専門会社取締役会が時々決議を採択して確定しなければならない。取締役会はいつでも取締役数を増やしたり減らしたりすることができるが,brを減らすことはできない | | | [br}海岸会社定款では、海岸会社取締役会に勤務する取締役数は、取締役会全体の662/3%と留任取締役(取締役)の過半数メンバー(取締役)が2002年3月1日までに会社取締役に初当選するか(Ii)取締役に指定された取締役が不定期投票で決定されることが規定されている。 | |
| | |
PROFESSIONAL
|
| |
SEACOAST
|
|
| | |
取締役の人数は現取締役の任期を短縮する効力がある。
現在10人の取締役が専門取締役会に勤めています。
Br専門取締役会は3種類に分類され、各種類の取締役は3年間交互に在任し、毎年約3分の1の取締役を選挙する。そのため、異なる政見を持つ株主や株主団体は、専門会社の多くの取締役を交代させるために少なくとも2回の年次株主総会が必要となる。取締役1人あたりの任期は、その当選した任期と同じで、後継者が当選して資格を持つまでですが、このなどの取締役は死亡、辞任、または免職されなければなりません。
|
| |
(br}1人の留任取締役)が、いずれの場合も3人以上の取締役を下回ってはならない(1つまたは複数の系列優先株投票の所有者をカテゴリとして単独で選択する取締役は含まれていない)
現在11人の取締役が海岸取締役会に勤めています。
海岸会社の取締役会は3つのレベルに分かれており、各レベルの取締役会メンバーは3年間交互に在任しており、毎年約3分の1の役員が選挙によって選出されている。そのため,異なる政見を持つ株主や株主団体は,海岸銀行の多くの取締役を交換するために少なくとも2回の年次株主総会が必要となる。取締役1人あたりの任期は、その当選した任期と同じで、後継者が当選して資格を持つまでですが、このなどの取締役は死亡、辞任、または免職されなければなりません。
|
|
Election of Directors
|
| | FBCAによると、定款細則には別に規定があるほか、役員は定足数の年次会議に出席する権利のある役員選挙で投票した株式保有者が多数票で選ばれる。プロの定款では役員選挙に必要な投票権は規定されていません。 | | |
海岸会社役員の選挙も同様にFBCAによって行われており、その定款では役員選挙に必要な投票権は規定されていません。
しかし、多数票基準が存在するにもかかわらず、競合のない取締役選挙では、いずれかの取締役が有名人を指名されて選挙で獲得した保留票が支持票よりも多い場合、取締役は株主投票通過直後に取締役会に辞表を提出し、辞任は取締役会の受諾後に発効することが規定されている。そして、報酬·ガバナンス委員会は、取締役会が辞任を受け入れるべきかどうかを審査し、取締役会に提案を行い、取締役会は最終的に辞任を受け入れるかどうかを決定する。
|
|
| | |
PROFESSIONAL
|
| |
SEACOAST
|
|
Removal of Directors
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| | 専門家の会社定款は、原因がある場合にのみ取締役の職務を解除することができ、そのためには重罪有罪と定義し、裁判所は精神不健全、破産判決の発表を命令し、あるいは取締役がすでに管轄権を有している裁判所は、会社に対して実質的な重要性を有する事項を履行する上での不注意または不当行為と定義し、かつこのような裁決は直接控訴を受けない。そのため更迭は、当時その役員を選挙する権利があった専門家の少なくとも662%/3%の株式を投票して承認されなければならない。取締役を除くいかなる訴訟も、有罪判決、声明または裁決の日から1(1)年以内に提起されなければならない。 | | | “海岸会社定款”では、取締役は、(1)662/3%の投票権を有するすべての普通株と、(2)直接または間接実益所有または制御されていない発行された普通株を保有する大多数の株主が賛成票を投じた後にのみ免職されることができると規定されている。いずれの者も(1)5%以上の普通株を保有する実益所有者又は(2)連合会社であり、過去5年以内に任意の時間に正式に開催され、そのために開催された株主総会で5%以上の発行済み普通株を有する実益所有者(“独立多数株主”)であり、30日以上前に書面通知を出さなければならない。 | |
取締役会の空き
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| | 専門会社の定款では、取締役会に何か空きがあれば、取締役会は取締役会全体の定足数に満たなくても、取締役会の多数票で穴を埋めることができる。このようにして選ばれた任意の穴を埋める役員の任期はプロの来年度株主総会で満了しなければならない。 | | | 海岸会社の定款では,海岸会社取締役会の空席は,(1)662/3%の全取締役と(2)多数留任取締役の賛成票で埋めることができ,定足数に不足があっても,取締役が留任していない場合には,662/3%以上の投票権を有する普通株と独立多数株主の賛成票で穴埋めすることができる。 | |
Action by Written Consent
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専門家規約では,専門家の普通株式保有者が要求又は許可する行動は,当該等所有者が正式に開催される年次会議又は特別会議で行わなければならず,当該等所持者のいかなる書面同意により実施してはならないと規定されている。
専門家規約では、取締役会又はその任意の委員会の任意の行動は、取締役会のすべてのメンバーが署名し、取締役会又は当該委員会の議事録に書面で同意する限り、会議なしにいかなる行動をとることができる。
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海岸会社の定款は、任意の一連の海岸会社の優先株、制限、相対権利を指定しない限り、書面でいかなる行動も取ってはならないと規定している。海岸会社の普通株式保有者が要求したり許可したりするいかなる行動も、当該等所有者が正式に開催される年次総会又は特別会議で採用しなければならず、当該等所持者のいかなる書面同意により実施してはならない。
“海岸会社定款”は,取締役会又はその任意の委員会会議での行動を要求又は許可し,以下の条件を満たす場合には会議なしにとることができると規定している
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PROFESSIONAL
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SEACOAST
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| | | | | | 行動を説明する同意書は、取締役会または委員会全員が署名し、取締役会または委員会の議事録とともに提出する。 | |
株主指名と他の提案の事前通知要求
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取締役選挙で投票する権利のある専門株主は、取締役候補を推薦することができる。株主が取締役の指名者を推薦することができ,方法は,株主が推薦したい候補者の名前と資格をProfessionalの会社秘書,c/o Professional Holding Corp.,住所:396 Alhambra Circle,Suite 255,Coral Gables,フロリダ州33134に提出することである
取締役選挙に関する提案は、専門家が最後の株主周年総会周年日まで120日以上180日以下でなければならないことを考慮する必要がある(または、周年総会日が周年日よりも30暦前に変更された場合は、株主に周年総会日通知日を発行または公表してから10営業日以内(比較的早い発生者を基準とする)。
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取締役選挙で投票する権利のある海岸株主は、取締役の候補者を推薦することができる。株主は海岸報酬と管理委員会に株主が推薦したい候補者の名前と資格を提出することで取締役の被著名人を推薦することができる。海岸銀行はフロリダ州海岸銀行にあり、住所:コロラド通り815号、郵便番号:9012、フロリダ州スチュアート、郵便番号:34995。
考えなければならない場合、年間株主総会で行われる取締役選挙に関する提案は、海岸銀行の前回株主総会周年記念日まで60日から90日以上(年間会議日が周年日から20日以上変更された場合、海岸銀行が年次会議日を郵送または他の方法で株主に通知した日から10日以内)に受信しなければならない。この目的のために開催された特別会議で行われた役員選挙に関する提案は,特別会議通知が株主に初めて郵送された日から10日目以内に受信しなければならない。
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株主総会通知
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| | 各株主総会の通知は,会議日前に10日以上60日以下で投票権のある各株主に送信されなければならない. | | | 各株主総会の通知は,会議日前に10日以上60日以下で投票権のある各株主に送信されなければならない. | |
Amendments to Charter
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| | “職業会社定款”607.1003節に規定するいくつかの要求に適合する場合、専門会社定款の改正は、通常、その取締役会と専門会社の大部分の流通株の保有者の承認を得る権利がなければならない | | | 海岸会社の定款にも同様の改正条項があり、(1)662/3%の発行および投票権のある株式の賛成票を除いて、適用されれば、および(2)独立多数の株主は となる | |
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PROFESSIONAL
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SEACOAST
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投票は、専門会社の定款が発行されたすべての株式の662/3%の賛成票を必要とし、第4条(B)(“優先株”)、第5条(“株主会議なしに行動する”)、第6条(“株主特別総会”)、第8(B)条(“取締役空席”)、第8(C)条(“取締役罷免”)、第9条(“定款”)または第10条(“改正会社定款”)のいずれかの改正を承認する権利があることを条件とする。専門家の定款に合わない変更もあります。取締役会は株主に修正意見を推薦しなければならない。取締役会が利益衝突やその他の特殊な状況で提案すべきではないと判断し、修正意見の決定を株主に通知しなければならない。
Br}FBCAはまた、取締役会が特定の場合、株主の承認を必要とせずに会社の定款を修正することができることを許可する(例えば、ある種類または一連の株式の額面を変更する)。
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| | 会社定款細則第六条(“取締役会”)、第七条(“企業合併に関する規定”)、第九条(“株主提案”)及び第十条(“改正会社定款”)のいずれの変更も承認されなければならない。 | |
Amendments to Bylaws
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| | FBCAによれば、取締役会は、任意の会議で出席して採決に参加する取締役の多数決で専門会社の定款を改正することができるが、条件は、(1)改正が専門会社株主が通過する任意の定款と一致するか、または(2)株主が通過していない定款の任意の部分を取締役会によって廃止することができる。専門会社の株主はまだいかなる定款も通過していないが、定款はさらに規定されており、取締役会は定款を通過または修正する独占的な権力を持っている。 | | | (1)662/3%の全取締役と(2)多数留任取締役の投票により海岸会社の定款を改訂することができる。また、株主は、(1)662/3%投票権のあるすべての普通株株式および(2)独立多数株主の賛成票で定款を改正することもできる。 | |
株主特別総会
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| | “専門家規約”では、株主特別会議は、会長、総裁又は取締役会の指示時に開催されるか、又は以下の場合に開催されることが規定されている | | | “海岸会社定款”の規定は、法規が別に規定がある以外、株主特別会議は取締役会主席或いは株主総会によって召集することができる | |
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PROFESSIONAL
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SEACOAST
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| | | 一人または複数の株主が定款に基づいて提出した書面要求。専門家の定款細則は、株主は、提案された特別会議で審議する権利がある任意の問題を有するすべての投票権の所有者が署名、署名日、専門家の秘書に1つ以上の書面会議要求を提出しなければならない株主特別総会を開催してはならないと規定しており、会議の開催目的を説明する。書面による請求は、会議の1つ以上の目的を説明し、当社の主要事務室で取締役会長又は総裁に送付しなければならない。 | | | 取締役会長、CEO、総裁、または取締役会。当該会議の通知は,当該会議の目的を明らかにしなければならず,その通知に記載された事項を除いて,当該会議でいかなる事務も処理してはならない.投票権の50%以上を持つ株式保有者が書面で要求すれば、行政総裁は株主特別総会を開催することができる。 | |
Quorum
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| | 専門家規約では,任意の株主総会でその事項について行動する定足数は,ある事項について投票する権利のある株式の多数であり,自ら出席しても被委員会代表が出席してもよいと規定されている。 | | | どの株主総会の定足数も投票権のある株式の多数であり,自ら出席しても代表が出席してもよい. | |
Proxy
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| | 専門家規約では、任意の株主、FBCAによって株主を代表して投票する権利を有する他の人、またはこれらの人の事実弁護士は、代表投票によって株主の株式を自らまたは委託することができる。任意の専門株主は、自らまたは代理弁護士によって委任表に署名し、代表投票を委任するか、または他の方法で代行することができる。予約表のコピー,コピーまたは同等のコピーは十分な予約表とみなさなければならない.委任状の委任は,専門秘書や他の許可された職員や代理人が受領して発効し,有効期間は最長11カ月であり,委任表に長い期間が明確に規定されていない限りである。指定された代理人の株主死亡または喪失行為能力は、秘書または他の人が死亡または行動能力喪失の通知を受けない限り、専門家が代理人の許可を受ける権利に影響を与えない | | | 海岸会社の定款では,株主,法に基づいて株主投票を代表する権利を有する者又は事実上の代理人は,自ら又は代理人に委託して株主の株式を投票することができる。株主は、自らまたはその代理人によって委任表に署名し、代表投票を委任するか、または他の方法で代行することができる。そのような人によって送信されたように見える署名された電報または電報、または写真、写真静的、ファクシミリ、電子送信(.PDFファイルを含む)または同等のコピーの予約フォームが十分な予約フォームである。委任表により長い期間が明確に規定されていない限り、代表を委任する任命は、秘書または他の許可された統計票を受け取った官僚が発行された後に発効し、有効期間は最長11ヶ月である。指定された代理人の株主の死亡または喪失行為能力は、秘書が死亡または行動能力喪失の通知を受けない限り、海岸銀行が代理人の許可を受ける権利に影響を与えない | |
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PROFESSIONAL
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SEACOAST
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| | | Brは,代理人が任命によって彼または彼女の権力を行使する前に,票の役人や代理人を集計する権利がある.株主は委託書の委任を取り消すことができ、非委任書は委託書が撤回できないことを明記し、しかも委任書は利益と関係がある。 | | | または代理人が任命によってその権力を行使する前に票を集計することを許可された他の官僚。もし委任状が撤回不可能であることを目立つように宣言し、かつそれが撤回不能権力を支持するのに十分な法的利益を伴う場合にのみ、委託書は撤回できないものとしなければならない。 | |
Preemptive Rights
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| | 専門版の株主は優先購入権を持たない. | | | 海岸銀行の株主は優先購入権を持たない. | |
株主権利計画/株主プロトコル
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専門版は権限計画がありません。
専門家規約では,2名以上の株主が合意に署名し,彼らが株式を投票する方式を規定している。株主合意調印後、株主各方面は合意のコピーを専門会社の主要事務所に送付しなければならない。専門的株主も専門的株主も専門的株式に関する株主合意の当事者ではない。
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| | 海辺には計画する権利がない。海岸会社も海岸会社の株主も海岸会社の株式に関する株主合意の当事者ではない。 | |
役員と上級管理者の賠償
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| | ある制限の下で,専門会社規約は一般に,専門会社はその現職と前任取締役,高級社員,従業員に対して賠償を行うべきであり,任意の代理人(I)が専門会社の職で当該当事者に提起した訴訟,および(Ii)専門会社による行動または専門会社の権利に応じた行動を自ら決定することができると規定している。また,専門家,役員,従業員,代理人はFBCAライセンスの賠償権利を得る権利がある。 | | | “沿岸警備隊規約”によると、沿岸警備隊は“沿岸警備隊条例”の規定に基づいて、その現職と前任役員、高級管理者、従業員、代理人に対して賠償を行うことができる。 | |
ある企業合併制限
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| | 専門会社の定款には、専門会社と大株主との間の業務合併に関する規定は何も含まれていない。 | | | 海岸銀行の定款には、海岸銀行と大株主との間の業務合併に関するいかなる条項も含まれていない。 | |
基礎業務取引
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| | 専門家の定款には基本業務取引に関する規定は何も含まれていない。 | | | 海岸会社規約では、海岸会社は、任意の合併、合併、株式交換または売却、交換、レンタル、譲渡、購入および買収のすべての普通株式の662/3%の賛成票を承認する権利があると規定されている。 | |
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PROFESSIONAL
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SEACOAST
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| | | | | | 海岸銀行または任意の付属会社の全部またはほぼすべての合併資産または負債、または両方を負担し、取引が全取締役662/3%および多数の留任取締役の賛成票を得て株主に推薦されない限り、それを合併する。 | |
Non-Shareholder
Constituency Provision |
| | 専門会社の定款は、取締役会がある要約を評価する際に株主以外の他のグループを考慮することを明確に許可する条項はありません。 | | | 海岸会社の会社定款は、ある要約を評価する時、取締役会は何が会社及びその株主の利益に最も適合するかを確定する時、価格の十分性と形式を考慮するほか、海岸会社及びその子会社、その従業員、預金者、ローン及びその他の顧客、債権者及び海岸会社及びその子会社の経営或いはコミュニティへの社会と経済への取引への影響を考慮しなければならない。買収者の業務及び財務状況、利益及び業務の見通しは、債務超過及びその他の既存の財務責任、買収に関連する財務責任及びその他発生する可能性のある財務責任、及びこのような条件が会社及びその付属会社及びその付属会社の所在又は所在コミュニティの他の要素に与える可能性のある影響を含むが、これらの行動を提出又は行う者及びその管理層の能力、経験及び誠実さ、業務合併の成功の見通し、及び海岸海岸の独立実体としての将来性を含む。 | |
Dissenters’ Rights
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| | 証券取引法によると、異なる政見者を持つ権利は、国家市場システム証券として指定されているか、または全国証券取引業者協会によって取引業者間見積システムに上場されている任意のカテゴリまたは一連の株の所有者には適用されない。 | | | 証券取引法によると、異なる政見者を持つ権利は、国家市場システム証券として指定されているか、または全国証券取引業者協会によって取引業者間見積システムに上場されている任意のカテゴリまたは一連の株の所有者には適用されない。 | |
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PROFESSIONAL
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SEACOAST
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| | | したがって,専門A類普通株の保有者はFBCAによって異なる政見者を持つ権利を行使する権利はない. | | | したがって,海岸普通株式所有者は“海岸行動法”によって異なる政見者を持つ権利を行使する権利はない. | |
Name
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Principal Occupation
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Herbert Martens | | | 専門と専門銀行会長;Advent Associates LLC(プライベート投資)管理パートナー | |
Margaret Blakey | | | 常務副総裁三五(不動産開発) | |
Norman C. Edelcup | | | 取締役,Marquis Bancorp,Inc.(2020年までに職業会社と合併;取締役,南フロリダ州社会市民委員会(その前身を含む) | |
Carlos M. Garcia | | | BayBoston Managers LLC最高経営責任者(投資) | |
Jon L. Gorney | | | インディアナ第一連邦銀行会長(2021年以来);これまでNational City Corporation(金融サービス)で複数の役員職を務めてきた | |
Abel L. Iglesias | | | 総裁と専門銀行のCEO | |
Ava L. Parker | | | パームビーチ州立学院総裁 | |
Lawrence Schimmel, M.D. | | |
Nutex Health and Clinigence首席医療官
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Principal Occupation
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| | | Health | |
Hillel Shohet | | | ニューヨーク国民銀行副会長 | |
Joseph Willett | | | マシコ投資基金取締役 | |
Name
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Position
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Abel L. Iglesias | | | プロ銀行CEO兼プロ銀行CEO総裁 | |
Mary Usategui | | | 専門銀行首席財務官兼執行副総裁、専門銀行首席財務官 | |
Michael C. Sontag | | |
常務副秘書長総裁
専門と専門銀行法律顧問 |
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Ryan L. Gorney | | | 専門銀行チーフ情報官 | |
Name of Beneficial Owner
役員と役員 |
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Amount and Nature of
Beneficial Ownership |
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Percentage of
Outstanding Shares |
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Margaret Blakey
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| | | | 4,874(1) | | | | | | * | | |
Norman Edelcup
|
| | | | 164,447(2) | | | | | | 1.1% | | |
Carlos M. Garcia
|
| | | | 428,643(3) | | | | | | 3.1% | | |
Jon L. Gorney
|
| | | | 19,287(4) | | | | | | * | | |
Ryan L. Gorney
|
| | | | 29,144(5) | | | | | | * | | |
Abel L. Iglesias
|
| | | | 36,805(6) | | | | | | * | | |
Herbert Martens
|
| | | | 76,933(7) | | | | | | * | | |
Ava Parker
|
| | | | 4,874(8) | | | | | | * | | |
Dr. Lawrence Schimmel, M.D.
|
| | | | 69,947(9) | | | | | | * | | |
Hillel Shohet
|
| | | | 106,580(10) | | | | | | * | | |
Mary Usategui
|
| | | | 25,890(11) | | | | | | * | | |
Joseph Willett
|
| | | | —(12) | | | | | | * | | |
全役員と役員(12人)12人
|
| | | | 967,424 | | | | | | 7.0% | | |
Name of Beneficial Owner
ある受益所有者 |
| |
Amount and Nature of
Beneficial Ownership |
| |
Percentage of
Outstanding Shares |
| ||||||
T.Rowe Price投資管理会社
100 E. Pratt Street Baltimore, MD 21202 |
| | | | 907,264 (13) | | | | | | 6.6% | | |
奮進資本コンサルタント会社
410 Greenwich Avenue Greenwich, CT 06830 |
| | | | 1,061,608(14) | | | | | | 8.3% | | |
EJF Capital
2107 Wilson Blvd., Suite 240 Arlington, VA 22201 |
| | | | 888,224(15) | | | | | | 6.2% | | |
FMR LLC
245 Summer Street Boston, MA 02210 |
| | | | 733,912.00 (16) | | | | | | 5.5% | | |
Name
|
| |
No. of Shares
Subject to SARs |
| |||
Carlos M. Garcia
|
| | | | 27,500 | | |
Jon L. Gorney
|
| | | | 25,000 | | |
Ryan L. Gorney
|
| | | | 20,000 | | |
Abel L. Iglesias
|
| | | | 104,500 | | |
ハーバート·マーテンズ
|
| | | | 27,500 | | |
ローレンス·シュメル博士
|
| | | | 27,500 | | |
Mary Usategui
|
| | | | 52,500 | | |
| | |
Page
|
| |||
Preamble
|
| | | | A-1 | | |
第1条-取引と合併条項
|
| | | | A-1 | | |
1.1
Merger
|
| | | | A-1 | | |
1.2
Bank Merger
|
| | | | A-1 | | |
1.3
Time and Place of Closing
|
| | | | A-2 | | |
1.4
Effective Time
|
| | | | A-2 | | |
1.5
専門普通株割引
|
| | | | A-2 | | |
1.6
SBC Common Stock
|
| | | | A-3 | | |
1.7
職業株式賞
|
| | | | A-3 | | |
1.8
まだ会社の組織ファイル;役員と上級管理者
|
| | | | A-4 | | |
1.9
Tax Consequences
|
| | | | A-4 | | |
文章2≡-引渡し合併対価
|
| | | | A-4 | | |
2.1
Exchange Procedures
|
| | | | A-4 | | |
2.2
元専門株主の権利
|
| | | | A-5 | | |
2.3
Dissenters’ Rights
|
| | | | A-6 | | |
第3条-概要と保証
|
| | | | A-6 | | |
3.1
会社公開状
|
| | | | A-6 | | |
3.2
Standards
|
| | | | A-6 | | |
3.3
会社の陳述と保証
|
| | | | A-7 | | |
3.4
海浜会社の陳述と保証
|
| | | | A-25 | | |
第4条-条約と追加協定
|
| | | | A-28 | | |
4.1
発効時間前に業務
を行う
|
| | | | A-28 | | |
4.2
Forbearances
|
| | | | A-28 | | |
4.3
Litigation
|
| | | | A-31 | | |
4.4
State Filings
|
| | | | A-31 | | |
4.5
専門株主承認;登録声明と依頼書/募集説明書
|
| | | | A-31 | | |
4.6
SBC株上場
|
| | | | A-32 | | |
4.7
合理的な最大努力
|
| | | | A-32 | | |
4.8
申請と同意
|
| | | | A-33 | | |
4.9
ある事項の通知
|
| | | | A-33 | | |
4.10
調査と秘密
|
| | | | A-34 | | |
4.11
プレスリリース;宣伝
|
| | | | A-34 | | |
4.12
買収提案書
|
| | | | A-34 | | |
4.13
Takeover Laws
|
| | | | A-35 | | |
4.14
従業員福祉と契約
|
| | | | A-35 | | |
4.15
Indemnification
|
| | | | A-36 | | |
4.16
ある問題を解決する
|
| | | | A-37 | | |
4.17
Claims Letters
|
| | | | A-38 | | |
4.18
制限的契約プロトコル
|
| | | | A-38 | | |
4.19
Systems Integration
|
| | | | A-38 | | |
| | |
Page
|
| |||
4.20
Additional Contracts
|
| | | | A-38 | | |
4.21
Transfer Taxes
|
| | | | A-38 | | |
4.23
SBC Advisory Board
|
| | | | A-39 | | |
4.24
専門従属チケットの仮定
|
| | | | A-39 | | |
第5条≡-Σ条件は義務を履行する前の条件
|
| | | | A-39 | | |
5.1
各当事者義務の条件
|
| | | | A-39 | | |
5.2
海岸義務の条件
|
| | | | A-40 | | |
5.3
会社義務の条件
|
| | | | A-41 | | |
ARTICLE 6 – TERMINATION
|
| | | | A-41 | | |
6.1
Termination
|
| | | | A-41 | | |
6.2
Effect of Termination
|
| | | | A-43 | | |
ARTICLE 7 – MISCELLANEOUS
|
| | | | A-43 | | |
7.1
Definitions
|
| | | | A-43 | | |
7.2
契約が消滅したことを宣言する
|
| | | | A-51 | | |
7.3
Expenses
|
| | | | A-51 | | |
7.4
Termination Fee
|
| | | | A-51 | | |
7.5
Entire Agreement
|
| | | | A-52 | | |
7.6
Amendments
|
| | | | A-52 | | |
7.7
Waivers
|
| | | | A-52 | | |
7.8
Assignment
|
| | | | A-52 | | |
7.9
Notices
|
| | | | A-53 | | |
7.10
Governing Law
|
| | | | A-53 | | |
7.11
Counterparts
|
| | | | A-53 | | |
7.12
Captions
|
| | | | A-53 | | |
7.13
Interpretations
|
| | | | A-53 | | |
7.14
Severability
|
| | | | A-54 | | |
7.15
Attorneys’ Fees
|
| | | | A-54 | | |
7.16
Waiver of Jury Trial
|
| | | | A-54 | | |
Exhibit
|
| |
Description
|
|
A
|
| | 銀行合併プロトコル | |
B
|
| | 株主サポートプロトコルフォーマット | |
C
|
| | Form of Claims Letter | |
D
|
| | 制限的契約プロトコルフォーマット | |
| Affordable Care Act | | | Section 3.3(j)(iii) | |
| 統合統合総合考慮事項 | | | Section 1.5(a) | |
| Agreement | | | Parties | |
| Articles of Merger | | | Section 1.4 | |
| Bank | | | Parties | |
| Bank Merger | | | Preamble | |
| 銀行合併プロトコル | | | Preamble | |
| CARES Act | | | Section 3.3(h)(xi) | |
| 変更アドバイス | | | Section 4.12(b) | |
| Closing | | | Section 1.3 | |
| Closing Date | | | Section 1.3 | |
| Company | | | Parties | |
| 会社管理プロトコル | | | Section 3.3(v) | |
| Covered Employees | | | Section 4.14(a) | |
| COVID-19 Measures | | | Section 3.3(h)(xi) | |
| CRA | | | Section 3.3(q) | |
| 異議申立条項 | | | Section 2.3 | |
| 異議を持つ株主 | | | 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) | |
| 損をされた方 | | | Section 7.2(b) | |
| Indemnified Party | | | Section 4.15(a) | |
| Loans | | | Section 3.3(n)(i) | |
| 重大な悪影響 | | | Section 3.2(b) | |
| Measuring Date | | | Section 7.1(a) | |
| Merger | | | Preamble | |
| 統合考慮要因 | | | Section 1.5(a) | |
| PPP | | | Section 3.3(h)(xii) | |
| 専門証明書 | | | Section 1.5(b) | |
| 専門監督推薦 | | | Section 3.3(b)(ii) | |
| 職業公開状 | | | Section 3.1 | |
| プロの最新貸借対照表 | | | Section 3.3(d)(ii) | |
| 規制意見 | | | Section 4.8(b) | |
| Required Consents | | | Section 5.1(b) | |
| Sarbanes-Oxley Act | | | Section 3.3(d)(iv) | |
| SBC | | | Parties | |
| SBC Preferred Stock | | | Section 3.4(c) | |
| SBC規制プロトコル | | | Section 3.4(f)(ii) | |
| Seacoast | | | Parties | |
| 株主支援プロトコル | | | Preamble | |
| SNB | | | Parties | |
| Subordinated Notes | | | Section 4.24 | |
| SBCオプション を置き換える | | | Section 1.7(a) | |
| Surviving Bank | | | Section 1.2 | |
| 生き残った会社 | | | Section 1.1 | |
| Takeover Laws | | | Section 3.3(v) | |
| Seacoast: | | |
フロリダ海岸銀行会社
|
|
| | | | 815 Colorado Avenue | |
| | | | Stuart, Florida 34994 | |
| | | | Telecopy Number: (772) 288-6086 | |
| | | | 注意:Charles M.Shaffer | |
|
弁護士にコピー(通知を構成しない):
|
| |
Alston & Bird LLP
|
|
| 1201 West Peachtree Street | | |||
| | | | Atlanta, Georgia 30309 | |
| | | | Telecopy Number: (404) 881-7777 | |
| | | | 注意:ランドルフ·A·ムーア三世 | |
| Company: | | | 専門持株会社 | |
| | | | 5100 PGA Boulevard, Suite 101 | |
| | | | Palm Beach Gardens, FL 33418 | |
| | | | 注意:アベル·イグレシアス | |
| | | | Michael C. Sontag | |
|
弁護士にコピー(通知を構成しない):
|
| |
Gunster, Yoakley & Stewart, P.A.
|
|
| 777 S. Flagler Drive, Suite 500 East | | |||
| | | | West Palm Beach, Florida 33401 | |
| | | | 注意:Michael V.Mitrione | |
| | | | フロリダ海岸銀行会社 | | |||
| | | | By: | | |
/s/ Charles M. Shaffer
Charles M. Shaffer
会長兼CEO |
|
| | | | 海岸国立銀行 | | |||
| | | | By: | | |
/s/ Charles M. Shaffer
Charles M. Shaffer
会長兼CEO |
|
| | | | 専門持株会社 | | |||
| | | | By: | | |
/s/ Michael C. Sontag
Michael C. Sontag
常務副総裁兼総法律顧問 |
|
| | | | PROFESSIONAL BANK | | |||
| | | | By: | | |
/s/ Michael C. Sontag
Michael C. Sontag
常務副総裁兼総法律顧問 |
|
By: |
|
By: |
|
|
Name
|
| |
Address
|
| |
County
|
| |
City
|
| |
State
|
| |
Zip
|
| |
Service Type
|
|
| | | | | | | | | | |
By: |
|
By: |
|
Name: |
|
Address: |
|
By: |
|
| BUYER: | | | | |
| フロリダ海岸銀行会社 | | | ||
|
Name: Charles M. Shaffer
職務:会長兼最高経営責任者(br} |
| | ||
| EMPLOYEE: | | | ||
|
|
| | ||
|
|
| | ||
|
|
| | ||
|
|
| | ||
|
|
| |
| BUYER: | | | | |
| フロリダ海岸銀行会社 | | | ||
|
Name: Charles M. Shaffer
職務:会長兼最高経営責任者(br} |
| | ||
| DIRECTOR: | | | ||
|
|
| | ||
|
|
| | ||
|
|
| | ||
|
|
| | ||
|
|
| |
| | |
December 31,
2021 |
| |
December 31,
2020 |
| ||||||
ASSETS | | | | | | | | | | | | | |
Cash and due from banks
|
| | | $ | 38,469 | | | | | $ | 62,305 | | |
生息預金
|
| | | | 545,521 | | | | | | 129,291 | | |
Federal funds sold
|
| | | | 13,477 | | | | | | 25,376 | | |
現金と現金等価物
|
| | | | 597,467 | | | | | | 216,972 | | |
販売可能な証券は,公正価値に応じて課税される
|
| | | | 175,536 | | | | | | 65,110 | | |
販売可能な証券は、公正価値によって免税されます
|
| | | | 18,765 | | | | | | 22,398 | | |
Securities held to maturity (fair value December 31, 2021, – $242, December 31, 2020, – $1,561)
|
| | | | 236 | | | | | | 1,547 | | |
Equity securities
|
| | | | 6,638 | | | | | | 6,005 | | |
2021年12月31日と2020年12月31日までのローン純額はそれぞれ12,704ドルと16,259ドル
|
| | | | 1,764,460 | | | | | | 1,641,422 | | |
Loans held for sale
|
| | | | 165 | | | | | | 1,270 | | |
連邦住宅ローン銀行株、コストで計算
|
| | | | 2,341 | | | | | | 3,229 | | |
連邦準備銀行株、原価
|
| | | | 5,426 | | | | | | 4,762 | | |
受取利息
|
| | | | 5,272 | | | | | | 6,666 | | |
部屋と設備、純額
|
| | | | 3,871 | | | | | | 4,370 | | |
銀行が持つ生命保険
|
| | | | 38,485 | | | | | | 37,360 | | |
Deferred tax asset
|
| | | | 9,510 | | | | | | 10,525 | | |
Goodwill
|
| | | | 24,621 | | | | | | 24,621 | | |
コア預金無形資産
|
| | | | 1,145 | | | | | | 1,422 | | |
Other assets
|
| | | | 10,173 | | | | | | 9,591 | | |
Total assets
|
| | | $ | 2,664,111 | | | | | $ | 2,057,270 | | |
負債と株主権益 | | | | | | | | | | | | | |
Deposits | | | | | | | | | | | | | |
Demand – non-interest bearing
|
| | | $ | 674,003 | | | | | $ | 475,598 | | |
Demand – interest bearing
|
| | | | 310,362 | | | | | | 232,367 | | |
Money market and savings
|
| | | | 1,121,330 | | | | | | 715,003 | | |
Time deposits
|
| | | | 265,693 | | | | | | 236,575 | | |
Total deposits
|
| | | | 2,371,388 | | | | | | 1,659,543 | | |
連邦住宅ローン銀行立て替え
|
| | | | 35,000 | | | | | | 40,000 | | |
Official Checks
|
| | | | 4,125 | | | | | | 4,447 | | |
Other borrowings
|
| | | | 10,000 | | | | | | 114,573 | | |
Subordinated debt
|
| | | | — | | | | | | 10,153 | | |
利息と他の負債
を計算する
|
| | | | 12,074 | | | | | | 12,989 | | |
Total liabilities
|
| | | | 2,432,587 | | | | | | 1,841,705 | | |
Stockholders’ equity | | | | | | | | | | | | | |
優先株,発行許可1,000万株,未発行
|
| | | | — | | | | | | — | | |
A類投票普通株,額面0.01ドル;認可50,000,000株,
issued 14,393,750 and outstanding 13,446,400 shares as of December 31, 2021, and authorized 50,000,000 shares, issued 14,100,760 and outstanding 13,534,829 shares on December 31, 2020. |
| | | | 144 | | | | | | 141 | | |
B類非投票普通株、額面0.01ドル、ライセンス株式1,000,000株、2021年12月31日と2020年12月31日未発行。
|
| | | | — | | | | | | — | | |
Treasury stock, at cost
|
| | | | (16,003) | | | | | | (9,209) | | |
新規実収資本
|
| | | | 212,012 | | | | | | 208,995 | | |
Retained earnings
|
| | | | 36,120 | | | | | | 14,756 | | |
他の総合収益(損失)
を累計
|
| | | | (749) | | | | | | 882 | | |
株主権益総額
|
| | | | 231,524 | | | | | | 215,565 | | |
総負債と株主権益
|
| | | $ | 2,664,111 | | | | | $ | 2,057,270 | | |
| | |
Year Ended December 31,
|
| |||||||||
| | |
2021
|
| |
2020
|
| ||||||
Interest income | | | | | | | | | | | | | |
Loans, including fees
|
| | | $ | 76,912 | | | | | $ | 66,296 | | |
投資証券-課税課税
|
| | | | 816 | | | | | | 835 | | |
投資証券-免税
|
| | | | 735 | | | | | | 642 | | |
制限性株の配当収入
|
| | | | 397 | | | | | | 414 | | |
Other
|
| | | | 761 | | | | | | 912 | | |
Total interest income
|
| | | | 79,621 | | | | | | 69,099 | | |
Interest expense | | | | | | | | | | | | | |
Deposits
|
| | | | 5,857 | | | | | | 6,777 | | |
連邦住宅ローン銀行立て替え
|
| | | | 751 | | | | | | 964 | | |
Subordinated debt
|
| | | | 378 | | | | | | — | | |
Other borrowings
|
| | | | 327 | | | | | | 1,305 | | |
Total interest expense
|
| | | | 7,313 | | | | | | 9,046 | | |
Net interest income
|
| | | | 72,308 | | | | | | 60,053 | | |
ローン損失準備金
|
| | | | 4,740 | | | | | | 10,017 | | |
融資損失準備後の純利息収入
を計上する
|
| | | | 67,568 | | | | | | 50,036 | | |
Non-interest income | | | | | | | | | | | | | |
預金口座手数料
|
| | | | 2,741 | | | | | | 1,196 | | |
銀行が持っている生命保険収入
|
| | | | 1,125 | | | | | | 502 | | |
SBA origination fees
|
| | | | 260 | | | | | | 114 | | |
Swap fee income
|
| | | | 909 | | | | | | 1,026 | | |
販売待ちローン収入
|
| | | | 551 | | | | | | 808 | | |
証券の売却と償還の収益
|
| | | | 39 | | | | | | 37 | | |
Other
|
| | | | 562 | | | | | | 623 | | |
非利息収入総額
|
| | | | 6,187 | | | | | | 4,306 | | |
非利息支出 | | | | | | | | | | | | | |
給料と従業員福祉
|
| | | | 29,277 | | | | | | 25,579 | | |
入居率と設備
|
| | | | 3,929 | | | | | | 4,292 | | |
Data processing
|
| | | | 1,182 | | | | | | 1,276 | | |
Marketing
|
| | | | 635 | | | | | | 545 | | |
Professional fees
|
| | | | 2,830 | | | | | | 2,373 | | |
Acquisition expenses
|
| | | | 684 | | | | | | 3,328 | | |
規制評価
|
| | | | 1,681 | | | | | | 1,112 | | |
Other
|
| | | | 7,048 | | | | | | 5,115 | | |
非利息支出総額
|
| | | | 47,266 | | | | | | 43,620 | | |
所得税前収入
|
| | | | 26,489 | | | | | | 10,722 | | |
Income tax provision
|
| | | | 5,125 | | | | | | 2,417 | | |
Net income
|
| | | | 21,364 | | | | | | 8,305 | | |
Earnings per share: | | | | | | | | | | | | | |
Basic
|
| | | $ | 1.61 | | | | | $ | 0.69 | | |
Diluted
|
| | | $ | 1.54 | | | | | $ | 0.67 | | |
その他総合収益: | | | | | | | | | | | | | |
売却可能証券の未実現保有収益(損失)
|
| | | | (2,161) | | | | | | 1,265 | | |
Tax effect
|
| | | | 530 | | | | | | (310) | | |
その他総合損益、税引き後純額
|
| | | | (1,631) | | | | | | 955 | | |
Comprehensive income
|
| | | $ | 19,733 | | | | | $ | 9,260 | | |
| | |
Common Stock
|
| |
Treasury
Stock |
| |
Additional
Paid-in Capital |
| |
Retained
Earnings |
| |
Accumulated
Other Comprehensive Income (Loss) |
| |
Total
|
| ||||||||||||||||||||||||
| | |
Shares
|
| |
Amount
|
| ||||||||||||||||||||||||||||||||||||
Balance on January 1, 2020
|
| | | | 5,867,446 | | | | | $ | 60 | | | | | $ | (4,155) | | | | | $ | 77,019 | | | | | $ | 6,451 | | | | | $ | (73) | | | | | $ | 79,302 | | |
普通株発行,純額は
issuance cost |
| | | | 3,717,328 | | | | | | 39 | | | | | | — | | | | | | 60,928 | | | | | | — | | | | | | — | | | | | | 60,967 | | |
Marquis Bancorp(MBI)
を買収
|
| | | | 4,227,816 | | | | | | 42 | | | | | | — | | | | | | 69,993 | | | | | | — | | | | | | — | | | | | | 70,035 | | |
従業員の株購入計画
|
| | | | 7,194 | | | | | | — | | | | | | — | | | | | | 106 | | | | | | — | | | | | | — | | | | | | 106 | | |
株に基づく報酬
|
| | | | 35,976 | | | | | | — | | | | | | — | | | | | | 959 | | | | | | — | | | | | | — | | | | | | 959 | | |
Treasury stock
|
| | | | (320,931) | | | | | | — | | | | | | (5,054) | | | | | | (10) | | | | | | — | | | | | | — | | | | | | (5,064) | | |
Net income
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 8,305 | | | | | | — | | | | | | 8,305 | | |
その他総合収益
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 955 | | | | | | 955 | | |
Balance on December 31, 2020.
|
| | | | 13,534,829 | | | | | $ | 141 | | | | | $ | (9,209) | | | | | $ | 208,995 | | | | | $ | 14,756 | | | | | $ | 882 | | | | | $ | 215,565 | | |
Balance on January 1, 2021
|
| | | | 13,534,829 | | | | | $ | 141 | | | | | $ | (9,209) | | | | | $ | 208,995 | | | | | $ | 14,756 | | | | | $ | 882 | | | | | $ | 215,565 | | |
普通株発行,純額は
issuance cost |
| | | | 152,598 | | | | | | 2 | | | | | | — | | | | | | 1,543 | | | | | | — | | | | | | — | | | | | | 1,545 | | |
従業員の株購入計画
|
| | | | 1,851 | | | | | | — | | | | | | — | | | | | | 34 | | | | | | — | | | | | | — | | | | | | 34 | | |
株に基づく報酬
|
| | | | 138,541 | | | | | | 1 | | | | | | — | | | | | | 1,451 | | | | | | — | | | | | | — | | | | | | 1,452 | | |
Treasury stock
|
| | | | (381,419) | | | | | | — | | | | | | (6,794) | | | | | | (11) | | | | | | — | | | | | | — | | | | | | (6,805) | | |
Net income
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 21,364 | | | | | | — | | | | | | 21,364 | | |
その他総合収益(損失)
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | (1,631) | | | | | | (1,631) | | |
Balance on December 31, 2021.
|
| | | | 13,446,400 | | | | | $ | 144 | | | | | $ | (16,003) | | | | | $ | 212,012 | | | | | $ | 36,120 | | | | | $ | (749) | | | | | $ | 231,524 | | |
| | |
Year Ended December 31,
|
| |||||||||
| | |
2021
|
| |
2020
|
| ||||||
経営活動によるキャッシュフロー | | | | | | | | | | | | | |
Net income
|
| | | $ | 21,364 | | | | | $ | 8,305 | | |
純収入と経営活動の純現金を調整
|
| | | | | | | | | | | | |
ローン損失準備金
|
| | | | 4,740 | | | | | | 10,017 | | |
調達会計調整屋台
|
| | | | (6,082) | | | | | | (7,466) | | |
繰延所得税引当(割引)
|
| | | | 1,258 | | | | | | (1,898) | | |
減価償却及び償却
|
| | | | 1,358 | | | | | | 1,352 | | |
売り証券の損失(収益)
|
| | | | 78 | | | | | | (4) | | |
強気証券
|
| | | | (39) | | | | | | (33) | | |
株式は時価変動を実現していない
|
| | | | 167 | | | | | | (34) | | |
証券償却純額
|
| | | | 1,439 | | | | | | 3,331 | | |
繰延ローン費用の償却
|
| | | | (8,086) | | | | | | (4,358) | | |
保有販売ローンの収益
を売る
|
| | | | 1,105 | | | | | | — | | |
銀行が持っている生命保険収入
|
| | | | (1,125) | | | | | | (502) | | |
家屋と設備処分損失
|
| | | | 140 | | | | | | — | | |
従業員の株購入計画
|
| | | | 34 | | | | | | 106 | | |
Stock compensation
|
| | | | 1,452 | | | | | | 959 | | |
経営性資産と負債変動:
|
| | | | | | | | | | | | |
受取利息
|
| | | | 1,394 | | | | | | (2,643) | | |
Other assets
|
| | | | (582) | | | | | | 3,454 | | |
公式小切手、課税利息、支払利息、その他の負債
|
| | | | (627) | | | | | | (3,416) | | |
経営活動が提供する現金純額
|
| | | | 17,988 | | | | | | 7,170 | | |
投資活動によるキャッシュフロー | | | | | | | | | | | | | |
売却可能な証券の満期日と返済所得
|
| | | | 24,020 | | | | | | 17,651 | | |
売却可能な証券の収益を償還する
|
| | | | 7,357 | | | | | | 9,132 | | |
満期まで保有している証券償還収益
|
| | | | 1,303 | | | | | | 122 | | |
販売可能な証券を購入
|
| | | | (141,800) | | | | | | (62,795) | | |
販売可能な証券の収益
を売却する
|
| | | | — | | | | | | 1,735 | | |
株式証券の購入
|
| | | | (800) | | | | | | (5,000) | | |
ローン発行量、元金返済後の純額
|
| | | | (127,998) | | | | | | (341,850) | | |
売却ローンの収益
|
| | | | 194 | | | | | | 10,985 | | |
連邦準備銀行株を償還する
|
| | | | (664) | | | | | | (2,688) | | |
連邦住宅ローン銀行株を購入する
|
| | | | — | | | | | | (235) | | |
連邦住宅ローン銀行株満期収益
|
| | | | 888 | | | | | | — | | |
銀行が持っている生命保険を購入する
|
| | | | — | | | | | | (20,000) | | |
家と設備を購入
|
| | | | (989) | | | | | | (554) | | |
買収収益
|
| | | | — | | | | | | 26,860 | | |
投資活動で使用する純現金
|
| | | | (238,489) | | | | | | (366,637) | | |
融資活動によるキャッシュフロー | | | | | | | | | | | | | |
Net increase in deposits
|
| | | | 712,614 | | | | | | 270,227 | | |
株式発行収益、発行コストを差し引く
|
| | | | 1,545 | | | | | | 60,967 | | |
在庫株の購入
|
| | | | (6,805) | | | | | | (5,064) | | |
連邦住宅ローン銀行立て替えの収益
|
| | | | — | | | | | | 10,000 | | |
連邦住宅ローンの前払いを返済する
|
| | | | (5,000) | | | | | | (50,000) | | |
二次支払手形
償還
|
| | | | (10,000) | | | | | | — | | |
信用限度額収益
|
| | | | 10,000 | | | | | | — | | |
クレジット返済額
|
| | | | — | | | | | | (9,999) | | |
PPPLF前払いの収益
|
| | | | — | | | | | | 225,004 | | |
PPPLF前金返済
|
| | | | (101,358) | | | | | | (123,646) | | |
融資活動が提供する現金純額
|
| | | | 600,996 | | | | | | 377,489 | | |
現金と現金等価物の増加
|
| | | | 380,495 | | | | | | 18,022 | | |
期初め現金および現金等価物
|
| | | | 216,972 | | | | | | 198,950 | | |
期末現金と現金等価物
|
| | | $ | 597,467 | | | | | $ | 216,972 | | |
キャッシュフロー情報を補完: | | | | | | | | | | | | | |
今期の利息現金
|
| | | $ | 8,473 | | | | | $ | 10,556 | | |
当期納税現金
|
| | | $ | 5,608 | | | | | | 3,018 | | |
補足非現金開示: | | | | | | | | | | | | | |
融資への参加を確認して担保借入金
|
| | | $ | — | | | | | $ | 13,215 | | |
使用権資産取得によるリース負債
|
| | | $ | 179 | | | | | $ | 2,027 | | |
Total assets acquired
|
| | | $ | — | | | | | $ | 583,797 | | |
が負担する総負債
|
| | | $ | — | | | | | $ | 538,383 | | |
|
ASU 2019-12, Income Taxes (Topic 740)
|
| |||
| Description | | | 2019年12月,FASBはガイドラインを発表し,主題740における一般元本の複数の例外を削除することにより,所得税の会計処理を簡略化した。 | |
| Date of Adoption | | | この基準は,公共企業実体の会計年度と,2020年12月15日以降のこれらの会計年度内の移行期間に適用される。 | |
| 連結財務諸表に対する の影響 | | | 新しい指針は会社の連結財務諸表や開示に実質的な影響を与えていません。 | |
|
ASU 2020-04、金融商品取引-参考金利改革(テーマ848)
|
| |||
| Description | | | 2020年3月、財務会計基準委員会は、会計負担を軽減するためのオプションの指導を提供したり、参照為替レート改革が財務報告に与える影響を認識したりするASU 2020-4-11参照為替改革(第848テーマ)を発表した。新基準は、ロンドン銀行間同業借り換え金利(LIBOR)が利用可能な基準金利とならなくなった可能性があるためである。この基準はオプションであり、GAAPを契約、ヘッジ関係、または参照LIBOR、または終了されることが予想される他の基準金利に適用する他の取引に任意の便宜的および例外を提供する。 | |
| Date of Adoption | | | 更新中の改訂は、2020年3月12日から2022年12月31日までのすべてのエンティティに適用されます。当社は2021年1月1日に本基準を採用します。 | |
| 連結財務諸表に対する の影響 | | | 社はLIBORの製品を使用することを決定し,代替参照金利への移行を促進するために強化されたバックアップ言語を実施した。新しい指針は会社の総合財務諸表や開示に実質的な影響を与えていません。 | |
| | |
Year Ended December 31,
|
| |||||||||
(千ドル、1株当たりデータを除く)
|
| |
2021
|
| |
2020
|
| ||||||
基本1株当たり収益: | | | | | | | | | | | | | |
Net income
|
| | | $ | 21,364 | | | | | $ | 8,305 | | |
発行済み普通株式加重平均総額
|
| | | | 13,308,682 | | | | | | 12,042,477 | | |
Net income per share
|
| | | $ | 1.61 | | | | | $ | 0.69 | | |
希釈して1株当たり収益: | | | | | | | | | | | | | |
Net income
|
| | | $ | 21,364 | | | | | $ | 8,305 | | |
発行済み普通株式加重平均総額
|
| | | | 13,308,682 | | | | | | 12,042,477 | | |
新規:従業員制限株とオプションの希釈効果
|
| | | | 592,168 | | | | | | 390,040 | | |
総加重平均希釈株
を発行した
|
| | | | 13,900,850 | | | | | | 12,432,517 | | |
Net income per share
|
| | | $ | 1.54 | | | | | $ | 0.67 | | |
December 31, 2021
(Dollars in thousands) |
| |
Amortized
Cost |
| |
Gross
Unrealized Gains |
| |
Gross
Unrealized Losses |
| |
Fair Value
|
| ||||||||||||
Available for sale – taxable | | | | | | | | | | | | | | | | | | | | | | | | | |
小企業管理局貸金池
|
| | | $ | 40,368 | | | | | $ | 38 | | | | | $ | (472) | | | | | $ | 39,934 | | |
担保ローン支援証券
|
| | | | 131,273 | | | | | | 70 | | | | | | (1,240) | | | | | | 130,103 | | |
アメリカ機関債務
|
| | | | 3,939 | | | | | | 54 | | | | | | (7) | | | | | | 3,986 | | |
Corporate bonds
|
| | | | 1,500 | | | | | | 13 | | | | | | — | | | | | | 1,513 | | |
販売可能な課税総額
|
| | | $ | 177,080 | | | | | $ | 175 | | | | | $ | (1,719) | | | | | $ | 175,536 | | |
発売されている-免税 | | | | | | | | | | | | | | | | | | | | | | | | | |
コミュニティ発展区債券
|
| | | | 17,163 | | | | | | 512 | | | | | | (1) | | | | | | 17,674 | | |
Municipals
|
| | | | 1,051 | | | | | | 40 | | | | | | — | | | | | | 1,091 | | |
販売可能なオスミウム-免税総額
|
| | | $ | 18,214 | | | | | $ | 552 | | | | | $ | (1) | | | | | $ | 18,765 | | |
| | |
Amortized
Cost |
| |
Gross
Unrecognized Gains |
| |
Gross
Unrecognized Losses |
| |
Fair Value
|
| ||||||||||||
Held to Maturity | | | | | | | | | | | | | | | | | | | | | | | | | |
担保ローン支援証券
|
| | | $ | 236 | | | | | $ | 6 | | | | | $ | — | | | | | $ | 242 | | |
Total Held to Maturity
|
| | | $ | 236 | | | | | $ | 6 | | | | | $ | — | | | | | $ | 242 | | |
| | |
Amortized
Cost |
| |
Gross
Unrecognized Gains |
| |
Gross
Unrecognized Losses |
| |
Fair Value
|
| ||||||||||||
Equity | | | | | | | | | | | | | | | | | | | | | | | | | |
Mutual Funds
|
| | | $ | 5,838 | | | | | $ | — | | | | | $ | — | | | | | $ | 5,838 | | |
その他株式証券
|
| | | | 800 | | | | | $ | — | | | | | | — | | | | | | 800 | | |
Total Equity
|
| | | $ | 6,638 | | | | | $ | — | | | | | $ | — | | | | | $ | 6,638 | | |
December 31, 2020
(Dollars in thousands) |
| |
Amortized
Cost |
| |
Gross
Unrealized Gains |
| |
Gross
Unrealized Losses |
| |
Fair
Value |
| ||||||||||||
Available for sale – taxable | | | | | | | | | | | | | | | | | | | | | | | | | |
小企業管理局貸金池
|
| | | $ | 30,678 | | | | | $ | 77 | | | | | $ | (199) | | | | | $ | 30,556 | | |
担保ローン支援証券
|
| | | | 28,514 | | | | | | 438 | | | | | | (30) | | | | | | 28,922 | | |
アメリカ機関債務
|
| | | | 3,000 | | | | | | 122 | | | | | | — | | | | | | 3,122 | | |
Corporate bonds
|
| | | | 2,501 | | | | | | 9 | | | | | | — | | | | | | 2,510 | | |
販売可能な課税総額
|
| | | $ | 64,693 | | | | | $ | 646 | | | | | $ | (229) | | | | | $ | 65,110 | | |
発売されている-免税 | | | | | | | | | | | | | | | | | | | | | | | | | |
コミュニティ発展区債券
|
| | | $ | 20,582 | | | | | $ | 717 | | | | | $ | — | | | | | $ | 21,299 | | |
Municipals
|
| | | | 1,064 | | | | | | 35 | | | | | | — | | | | | | 1,099 | | |
販売可能なオスミウム-免税総額
|
| | | $ | 21,646 | | | | | $ | 752 | | | | | $ | — | | | | | $ | 22,398 | | |
| | |
Amortized
Cost |
| |
Gross
Unrecognized Gains |
| |
Gross
Unrecognized Losses |
| |
Fair
Value |
| ||||||||||||
Held to Maturity | | | | | | | | | | | | | | | | | | | | | | | | | |
担保ローン支援証券
|
| | | $ | 345 | | | | | $ | 14 | | | | | $ | — | | | | | $ | 359 | | |
United States Treasury
|
| | | | 202 | | | | | | — | | | | | | — | | | | | | 202 | | |
Foreign Bonds
|
| | | | 1,000 | | | | | | — | | | | | | — | | | | | | 1,000 | | |
Total Held to Maturity
|
| | | $ | 1,547 | | | | | $ | 14 | | | | | $ | — | | | | | $ | 1,561 | | |
| | |
Amortized
Cost |
| |
Gross
Unrecognized Gains |
| |
Gross
Unrecognized Losses |
| |
Fair Value
|
| ||||||||||||
Equity | | | | | | | | | | | | | | | | | | | | | | | | | |
Mutual Funds
|
| | | $ | 6,005 | | | | | $ | — | | | | | $ | — | | | | | $ | 6,005 | | |
Total Equity
|
| | | $ | 6,005 | | | | | $ | — | | | | | $ | — | | | | | $ | 6,005 | | |
| | |
December 31, 2021
|
| |||||||||
(Dollars in thousands)
|
| |
Amortized
Cost |
| |
Fair
Value |
| ||||||
Available for sale | | | | | | | | | | | | | |
Due in one year or less
|
| | | $ | 1,634 | | | | | $ | 1,648 | | |
1年から5年後に満期
|
| | | | 19,766 | | | | | | 20,358 | | |
5年から10年後に満期になる
|
| | | | 2,253 | | | | | | 2,258 | | |
Due after ten years
|
| | | | — | | | | | | — | | |
Subtotal
|
| | | $ | 23,653 | | | | | $ | 24,264 | | |
小企業管理局貸金池
|
| | | $ | 40,368 | | | | | $ | 39,934 | | |
担保ローン支援証券
|
| | | | 131,273 | | | | | | 130,103 | | |
Total available for sale
|
| | | $ | 195,294 | | | | | $ | 194,301 | | |
Held to maturity | | | | | | | | | | | | | |
担保ローン支援証券
|
| | | $ | 236 | | | | | $ | 242 | | |
Total held to maturity
|
| | | $ | 236 | | | | | $ | 242 | | |
| | |
Less Than 12 Months
|
| |
12 Months or Longer
|
| |
Total
|
| |||||||||||||||||||||||||||
(Dollars in thousands)
|
| |
Fair
Value |
| |
Unrealized
Losses |
| |
Fair
Value |
| |
Unrealized
Losses |
| |
Fair
Value |
| |
Unrealized
Losses |
| ||||||||||||||||||
December 31, 2021 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Available for sale – taxable | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
小企業管理局貸金池
|
| | | $ | 17,428 | | | | | $ | (336) | | | | | $ | 14,872 | | | | | $ | (136) | | | | | $ | 32,300 | | | | | $ | (472) | | |
担保ローン支援証券
|
| | | | 109,621 | | | | | | (1,167) | | | | | | 1,710 | | | | | | (73) | | | | | | 111,331 | | | | | | (1,240) | | |
アメリカ機関債務
|
| | | | 1,930 | | | | | | (7) | | | | | | — | | | | | | — | | | | | | 1,930 | | | | | | (7) | | |
販売可能な課税総額
|
| | | $ | 128,979 | | | | | $ | (1,510) | | | | | $ | 16,582 | | | | | $ | (209) | | | | | $ | 145,561 | | | | | $ | (1,719) | | |
発売されている-免税 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
コミュニティ発展区債券
|
| | | | 809 | | | | | | (1) | | | | | | — | | | | | | — | | | | | $ | 809 | | | | | $ | (1) | | |
販売可能なオスミウム-免税総額
|
| | | $ | 809 | | | | | $ | (1) | | | | | $ | — | | | | | $ | — | | | | | $ | 809 | | | | | $ | (1) | | |
December 31, 2020 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Available for sale – taxable | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
小企業管理局貸金池
|
| | | $ | 18,849 | | | | | $ | (133) | | | | | $ | 8,945 | | | | | $ | (66) | | | | | $ | 27,794 | | | | | $ | (199) | | |
担保ローン支援証券
|
| | | | 5,839 | | | | | | — | | | | | | 2,510 | | | | | | (30) | | | | | | 8,349 | | | | | | (30) | | |
アメリカ機関債務
|
| | | | 227 | | | | | | — | | | | | | — | | | | | | — | | | | | | 227 | | | | | | — | | |
販売可能な課税総額
|
| | | $ | 24,915 | | | | | $ | (133) | | | | | $ | 11,455 | | | | | $ | (96) | | | | | $ | 36,370 | | | | | $ | (229) | | |
(Dollars in thousands)
|
| |
2021
|
| |
2020
|
| ||||||
投資用ローン 投資用融資: | | | | | | | | | | | | | |
Commercial real estate
|
| | | $ | 902,654 | | | | | $ | 777,025 | | |
住宅不動産
|
| | | | 377,511 | | | | | | 379,534 | | |
Commercial (Non-PPP)
|
| | | | 325,415 | | | | | | 206,095 | | |
Commercial (PPP)
|
| | | | 58,615 | | | | | | 185,748 | | |
建設と土地開発
|
| | | | 91,520 | | | | | | 99,590 | | |
Consumer and other
|
| | | | 21,449 | | | | | | 9,689 | | |
投資のために持っている融資総額、総額
|
| | | | 1,777,164 | | | | | | 1,657,681 | | |
ローン損失準備
|
| | | | (12,704) | | | | | | (16,259) | | |
投資のために持っているローン、純額
|
| | | $ | 1,764,460 | | | | | $ | 1,641,422 | | |
Loans held for sale: | | | | | | | | | | | | | |
Loans held for sale
|
| | | $ | 165 | | | | | $ | 1,270 | | |
Total loans held for sale
|
| | | $ | 165 | | | | | $ | 1,270 | | |
(Dollars in thousands)
|
| |
30 – 59
Days Past Due |
| |
60 – 89
Days Past Due |
| |
Greater than
90 Days Past Due |
| |
Nonaccrual
|
| |
Total
Past Due |
| |
Loans Not
Past Due |
| |
Total
|
| |||||||||||||||||||||
December 31, 2021 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Commercial real estate
|
| | | $ | 292 | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | 292 | | | | | $ | 902,362 | | | | | $ | 902,654 | | |
住宅不動産
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 377,511 | | | | | | 377,511 | | |
Commercial (Non-PPP)
|
| | | | 449 | | | | | | — | | | | | | — | | | | | | 1,468 | | | | | | 1,917 | | | | | | 323,498 | | | | | | 325,415 | | |
Commercial (PPP)
|
| | | | 7 | | | | | | — | | | | | | — | | | | | | — | | | | | | 7 | | | | | | 58,608 | | | | | | 58,615 | | |
建設と土地開発
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 91,520 | | | | | | 91,520 | | |
Consumer and other
|
| | | | — | | | | | | — | | | | | | — | | | | | | 654 | | | | | | 654 | | | | | | 20,795 | | | | | | 21,449 | | |
Total
|
| | | $ | 748 | | | | | $ | — | | | | | $ | — | | | | | $ | 2,122 | | | | | $ | 2,870 | | | | | $ | 1,774,294 | | | | | $ | 1,777,164 | | |
(Dollars in thousands)
|
| |
30 – 59
Days Past Due |
| |
60 – 89
Days Past Due |
| |
Greater than
90 Days Past Due |
| |
Nonaccrual
|
| |
Total
Past Due |
| |
Loans Not
Past Due |
| |
Total
|
| |||||||||||||||||||||
December 31, 2020 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Commercial real estate
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | 777,025 | | | | | $ | 777,025 | | |
住宅不動産
|
| | | | 1,317 | | | | | | — | | | | | | — | | | | | | — | | | | | | 1,317 | | | | | | 378,217 | | | | | | 379,534 | | |
Commercial (Non-PPP)
|
| | | | 278 | | | | | | — | | | | | | — | | | | | | 9,127 | | | | | | 9,405 | | | | | | 196,690 | | | | | | 206,095 | | |
Commercial (PPP)
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 185,748 | | | | | | 185,748 | | |
建設と土地開発
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 99,590 | | | | | | 99,590 | | |
Consumer and other
|
| | | | — | | | | | | — | | | | | | — | | | | | | 1,307 | | | | | | 1,307 | | | | | | 8,382 | | | | | | 9,689 | | |
Total
|
| | | $ | 1,595 | | | | | $ | — | | | | | $ | — | | | | | $ | 10,434 | | | | | $ | 12,029 | | | | | $ | 1,645,652 | | | | | $ | 1,657,681 | | |
(Dollars in thousands)
|
| |
Pass
|
| |
Special
Mention |
| |
Substandard
|
| |
Doubtful
|
| |
Total
|
| |||||||||||||||
December 31, 2021 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Commercial real estate
|
| | | $ | 900,364 | | | | | $ | — | | | | | $ | 2,290 | | | | | $ | — | | | | | $ | 902,654 | | |
住宅不動産
|
| | | | 377,511 | | | | | | — | | | | | | — | | | | | | — | | | | | | 377,511 | | |
Commercial (Non-PPP)
|
| | | | 323,657 | | | | | | 290 | | | | | | 1,468 | | | | | | — | | | | | | 325,415 | | |
Commercial (PPP)
|
| | | | 58,615 | | | | | | — | | | | | | — | | | | | | — | | | | | | 58,615 | | |
建設と土地開発
|
| | | | 91,520 | | | | | | — | | | | | | — | | | | | | — | | | | | | 91,520 | | |
Consumer
|
| | | | 20,712 | | | | | | 83 | | | | | | — | | | | | | 654 | | | | | | 21,449 | | |
Total
|
| | | $ | 1,772,379 | | | | | $ | 373 | | | | | $ | 3,758 | | | | | $ | 654 | | | | | $ | 1,777,164 | | |
December 31, 2020 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Commercial real estate
|
| | | $ | 774,674 | | | | | $ | — | | | | | $ | 2,351 | | | | | $ | — | | | | | $ | 777,025 | | |
住宅不動産
|
| | | | 379,104 | | | | | | 430 | | | | | | — | | | | | | — | | | | | | 379,534 | | |
Commercial (Non-PPP)
|
| | | | 196,856 | | | | | | 112 | | | | | | 9,127 | | | | | | — | | | | | | 206,095 | | |
Commercial (PPP)
|
| | | | 185,748 | | | | | | — | | | | | | — | | | | | | — | | | | | | 185,748 | | |
建設と土地開発
|
| | | | 99,590 | | | | | | — | | | | | | — | | | | | | — | | | | | | 99,590 | | |
Consumer
|
| | | | 8,382 | | | | | | — | | | | | | 1,307 | | | | | | — | | | | | | 9,689 | | |
Total
|
| | | $ | 1,644,354 | | | | | $ | 542 | | | | | $ | 12,785 | | | | | $ | — | | | | | $ | 1,657,681 | | |
(Dollars in thousands)
|
| |
December 31, 2021
|
| |
December 31, 2020
|
| ||||||
Commercial real estate
|
| | | $ | 5,845 | | | | | $ | — | | |
住宅不動産
|
| | | | 89 | | | | | | 405 | | |
Commercial
|
| | | | 410 | | | | | | 746 | | |
建設発展
|
| | | | — | | | | | | 3,732 | | |
Consumer and other loans
|
| | | | — | | | | | | — | | |
Carrying amount
|
| | | $ | 6,344 | | | | | $ | 4,883 | | |
(Dollars in thousands)
|
| |
2021
|
| |
2020
|
| ||||||
Balance at January 1
|
| | | $ | (630) | | | | | $ | — | | |
New loans purchased
|
| | | | — | | | | | | (545) | | |
Adjustment of income
|
| | | | — | | | | | | (85) | | |
Accretion
|
| | | | 356 | | | | | | | | |
値を増やさない差異の再分類
|
| | | | (339) | | | | | | — | | |
Disposals
|
| | | | 41 | | | | | | — | | |
Balance on December 31
|
| | | $ | (572) | | | | | $ | (630) | | |
(Dollars in thousands)
|
| |
March 26, 2020
|
| |||
ローンタイプ別の契約要求元金と利息 | | | | | | | |
Commercial real estate
|
| | | $ | 427 | | |
住宅不動産
|
| | | | 604 | | |
Commercial
|
| | | | 2,176 | | |
建設発展
|
| | | | 5,614 | | |
Consumer and other loans
|
| | | | — | | |
Total
|
| | | $ | 8,821 | | |
契約キャッシュフローは徴収されない予定です(付加価値割引不可)
|
| | | | | | |
Commercial real estate
|
| | | $ | 80 | | |
住宅不動産
|
| | | | 138 | | |
Commercial
|
| | | | 1,123 | | |
建設発展
|
| | | | 2,297 | | |
Consumer and other loans
|
| | | | — | | |
Total
|
| | | $ | 3,638 | | |
Expected cash flows
|
| | | $ | 5,183 | | |
期待キャッシュフローの利息部分(割引を増加できる)
|
| | | | (545) | | |
ASC 310-30により計算されたPCIローンの公正価値
|
| | | $ | 4,638 | | |
(Dollars in thousands)
|
| |
Commercial
Real Estate |
| |
Residential
Real Estate |
| |
Commercial
|
| |
Construction
and land Development |
| |
Consumer
and Other |
| |
Total
|
| ||||||||||||||||||
December 31, 2021 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
ローン損失準備: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Beginning balance
|
| | | $ | 3,159 | | | | | $ | 2,177 | | | | | $ | 10,462 | | | | | $ | 388 | | | | | $ | 73 | | | | | $ | 16,259 | | |
ローン損失準備金
|
| | | | 1,312 | | | | | | 162 | | | | | | 1,816 | | | | | | 83 | | | | | | 1,367 | | | | | | 4,740 | | |
Loans charged-off
|
| | | | — | | | | | | — | | | | | | (7,641) | | | | | | — | | | | | | (654) | | | | | | (8,295) | | |
Recoveries
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
期末手当残高合計
|
| | | $ | 4,471 | | | | | $ | 2,339 | | | | | $ | 4,637 | | | | | $ | 471 | | | | | $ | 786 | | | | | $ | 12,704 | | |
(Dollars in thousands)
|
| |
Commercial
Real Estate |
| |
Residential
Real Estate |
| |
Commercial
|
| |
Construction
and land Development |
| |
Consumer
and Other |
| |
Total
|
| ||||||||||||||||||
December 31, 2020 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
ローン損失準備: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Beginning balance
|
| | | $ | 1,845 | | | | | $ | 3,115 | | | | | $ | 1,235 | | | | | $ | 272 | | | | | $ | 81 | | | | | $ | 6,548 | | |
ローン損失準備金
|
| | | | 1,314 | | | | | | (731) | | | | | | 9,326 | | | | | | 116 | | | | | | (8) | | | | | | 10,017 | | |
Loans charged-off
|
| | | | — | | | | | | (207) | | | | | | (99) | | | | | | — | | | | | | — | | | | | | (306) | | |
Recoveries
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
期末手当残高合計
|
| | | $ | 3,159 | | | | | $ | 2,177 | | | | | $ | 10,462 | | | | | $ | 388 | | | | | $ | 73 | | | | | $ | 16,259 | | |
(Dollars in thousands)
|
| |
Commercial
Real Estate |
| |
Residential
Real Estate |
| |
Commercial
|
| |
Construction
and land Development |
| |
Consumer
and Other |
| |
Total
|
| ||||||||||||||||||
December 31, 2021 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
ローン損失準備: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
はローンの期末準備残高
によるものである
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
欠陥を単独で評価する場合
|
| | | $ | — | | | | | $ | — | | | | | $ | 671 | | | | | $ | — | | | | | $ | 654 | | | | | $ | 1,325 | | |
集団評価減値状況
|
| | | | 4,471 | | | | | | 2,339 | | | | | | 3,966 | | | | | | 471 | | | | | | 132 | | | | | | 11,379 | | |
期末手当残高合計
|
| | | $ | 4,471 | | | | | $ | 2,339 | | | | | $ | 4,637 | | | | | $ | 471 | | | | | $ | 786 | | | | | $ | 12,704 | | |
Loans: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
ローン単独評価減価
|
| | | $ | 2,290 | | | | | $ | — | | | | | $ | 1,468 | | | | | $ | — | | | | | $ | 654 | | | | | $ | 4,412 | | |
ローン集団評価減価
|
| | | | 900,364 | | | | | | 377,511 | | | | | | 382,562 | | | | | | 91,520 | | | | | | 20,795 | | | | | | 1,772,752 | | |
期末ローン残高合計
|
| | | $ | 902,654 | | | | | $ | 377,511 | | | | | $ | 384,030 | | | | | $ | 91,520 | | | | | $ | 21,449 | | | | | $ | 1,777,164 | | |
(Dollars in thousands)
|
| |
Commercial
Real Estate |
| |
Residential
Real Estate |
| |
Commercial
|
| |
Construction
and land Development |
| |
Consumer
and Other |
| |
Total
|
| ||||||||||||||||||
December 31, 2020 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
ローン損失準備: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
はローンの期末準備残高
によるものである
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
欠陥を単独で評価する場合
|
| | | $ | — | | | | | $ | — | | | | | $ | 8,309 | | | | | $ | — | | | | | $ | — | | | | | $ | 8,309 | | |
集団評価減値状況
|
| | | | 3,159 | | | | | | 2,177 | | | | | | 2,153 | | | | | | 388 | | | | | | 73 | | | | | | 7,950 | | |
期末手当残高合計
|
| | | $ | 3,159 | | | | | $ | 2,177 | | | | | $ | 10,462 | | | | | $ | 388 | | | | | $ | 73 | | | | | $ | 16,259 | | |
Loans: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
ローン単独評価減価
|
| | | $ | 2,351 | | | | | $ | 299 | | | | | $ | 9,127 | | | | | $ | — | | | | | $ | 1,307 | | | | | $ | 13,084 | | |
ローン集団評価減価
|
| | | | 774,674 | | | | | | 379,235 | | | | | | 382,716 | | | | | | 99,590 | | | | | | 8,382 | | | | | | 1,644,597 | | |
期末ローン残高合計
|
| | | $ | 777,025 | | | | | $ | 379,534 | | | | | $ | 391,843 | | | | | $ | 99,590 | | | | | $ | 9,689 | | | | | $ | 1,657,681 | | |
|
(Dollars in thousands)
|
| |
2021
|
| |
2020
|
| ||||||
家具、固定装置、設備
|
| | | $ | 2,182 | | | | | $ | 1,694 | | |
コンピュータ、ハードウェア、ソフトウェア
|
| | | | 2,590 | | | | | | 2,260 | | |
レンタル改善
|
| | | | 3,867 | | | | | | 3,537 | | |
Corporate branding
|
| | | | 118 | | | | | | 118 | | |
| | | | | 8,757 | | | | | | 7,609 | | |
減価償却累計および償却
|
| | | | (4,886) | | | | | | (3,239) | | |
| | | | $ | 3,871 | | | | | $ | 4,370 | | |
(Dollars in thousands)
|
| |
December 31,
2021 |
| |
December 31,
2020 |
| ||||||
Beginning goodwill
|
| | | $ | 24,621 | | | | | $ | — | | |
計測期間調整
|
| | | | — | | | | | | — | | |
業務統合により増加する業務
|
| | | | — | | | | | | 24,621 | | |
Ending goodwill
|
| | | $ | 24,621 | | | | | $ | 24,621 | | |
無形岩心鉱物
|
| | | $ | 1,422 | | | | | $ | 1,646 | | |
減算:累計償却
|
| | | | (277) | | | | | | (224) | | |
無形コア預金、純額
|
| | | $ | 1,145 | | | | | $ | 1,422 | | |
(Dollars in thousands)
|
| |
Core deposit
intangible |
| |||
2022
|
| | | $ | 247 | | |
2023
|
| | | $ | 217 | | |
2024
|
| | | $ | 187 | | |
2025
|
| | | $ | 157 | | |
2026
|
| | | $ | 127 | | |
(Dollars in thousands)
|
| |
Three
Months or Less |
| |
Over
Three Through Six Months |
| |
Over Six
Months Through 12 Months |
| |
Over
12 Months |
| |
Total
|
| |||||||||||||||
Time deposits of $250,000 or less
|
| | | $ | 17,431 | | | | | $ | 26,721 | | | | | $ | 44,373 | | | | | $ | 4,631 | | | | | $ | 93,156 | | |
Time deposits of more than $250,000
|
| | | | 32,058 | | | | | | 54,429 | | | | | | 83,290 | | | | | | 2,760 | | | | | | 172,537 | | |
Total
|
| | | $ | 49,489 | | | | | $ | 81,150 | | | | | $ | 127,663 | | | | | $ | 7,391 | | | | | $ | 265,693 | | |
(Dollars in thousands)
|
| |
Three
Months or Less |
| |
Over
Three Through Six Months |
| |
Over Six
Months Through 12 Months |
| |
Over
12 Months |
| |
Total
|
| |||||||||||||||
Time deposits of $250,000 or less
|
| | | $ | 20,767 | | | | | $ | 13,258 | | | | | $ | 24,805 | | | | | $ | 19,240 | | | | | $ | 78,070 | | |
Time deposits of more than $250,000
|
| | | | 40,189 | | | | | | 35,314 | | | | | | 42,845 | | | | | | 40,157 | | | | | | 158,505 | | |
Total
|
| | | $ | 60,956 | | | | | $ | 48,572 | | | | | $ | 67,650 | | | | | $ | 59,397 | | | | | $ | 236,575 | | |
(Dollars in thousands)
|
| |
December 31, 2021
|
| |
December 31, 2020
|
| ||||||
1 year or less
|
| | | $ | 258,302 | | | | | $ | 177,178 | | |
Over 1 through 2 years
|
| | | | 6,669 | | | | | | 57,034 | | |
Over 2 through 3 years
|
| | | | 722 | | | | | | 1,658 | | |
Over 3 through 4 years
|
| | | | — | | | | | | 705 | | |
Over 4 through 5 years
|
| | | | — | | | | | | — | | |
Over 5 years
|
| | | | — | | | | | | — | | |
Total
|
| | | $ | 265,693 | | | | | $ | 236,575 | | |
(Dollars in thousands)
|
| |
2021
|
| |
2020
|
| ||||||
満期は2030年までで、固定金利は0.81%、平均0.81%
|
| | | $ | 5,000 | | | | | $ | 10,000 | | |
満期から2024年まで、変動金利は1.86%から2.46%、平均2.24%
|
| | | | 30,000 | | | | | | 30,000 | | |
| | | | $ | 35,000 | | | | | $ | 40,000 | | |
(Dollars in thousands)
|
| |
Advance Payments
|
| |||
2022
|
| | | $ | — | | |
2023
|
| | | | — | | |
2024
|
| | | | 30,000 | | |
2025
|
| | | | — | | |
2026
|
| | | | — | | |
(Dollars in thousands)
|
| |
2021
|
| |
2020
|
| ||||||
Current provision | | | | | | | | | | | | | |
Federal
|
| | | $ | 3,420 | | | | | $ | 3,849 | | |
State
|
| | | | 426 | | | | | | 466 | | |
Deferred provision | | | | | | | | | | | | | |
Federal
|
| | | | 1,353 | | | | | | (1,556) | | |
State
|
| | | | (74) | | | | | | (342) | | |
Income tax provision
|
| | | $ | 5,125 | | | | | $ | 2,417 | | |
(Dollars in thousands)
|
| |
2021
|
| |
2020
|
| ||||||||||||||||||
連邦法定金利に財務諸表収入を乗じて
|
| | | | 21.0% | | | | | $ | 5,563 | | | | | | 21.0% | | | | | $ | 2,251 | | |
Effect of: | | | | | | | | | | | | | | | | | | | | | | | | | |
連邦福祉を差し引いた州税
|
| | | | 1.1% | | | | | | 291 | | | | | | 0.9% | | | | | | 90 | | |
Tax-exempt interest
|
| | | | (1.2)% | | | | | | (311) | | | | | | (1.0)% | | | | | | (91) | | |
銀行が持っている生命保険収益
|
| | | | (0.9)% | | | | | | (236) | | | | | | (1.0)% | | | | | | (105) | | |
株式報酬超過収益
|
| | | | (0.6)% | | | | | | (165) | | | | | | 0.4% | | | | | | 42 | | |
Acquisition costs
|
| | | | —% | | | | | | 0 | | | | | | 1.3% | | | | | | 138 | | |
Other, net
|
| | | | (0.1)% | | | | | | (17) | | | | | | 0.9% | | | | | | 92 | | |
| | | | | 19.3% | | | | | $ | 5,125 | | | | | | 22.5% | | | | | $ | 2,417 | | |
(Dollars in thousands)
|
| |
2021
|
| |
2020
|
| ||||||
Deferred tax assets: | | | | | | | | | | | | | |
ローン損失準備
|
| | | $ | 3,575 | | | | | $ | 4,205 | | |
Preopening expenses
|
| | | | 40 | | | | | | 66 | | |
Fair value adjustments
|
| | | | 2,874 | | | | | | 4,469 | | |
株式報酬
|
| | | | 972 | | | | | | 821 | | |
Deferred loan fees
|
| | | | 1,322 | | | | | | 1,368 | | |
Deferred rent
|
| | | | 104 | | | | | | 111 | | |
Lease liability
|
| | | | 1,305 | | | | | | 1,594 | | |
Intangible assets
|
| | | | 463 | | | | | | — | | |
証券売却可能な未実現損失
|
| | | | 243 | | | | | | — | | |
Other
|
| | | | 46 | | | | | | 3 | | |
繰延税金総資産
|
| | | | 10,944 | | | | | | 12,637 | | |
繰延納税義務: | | | | | | | | | | | | | |
Property and equipment
|
| | | | (129) | | | | | | (518) | | |
Right of use asset
|
| | | | (1,305) | | | | | | (1,594) | | |
売却可能な証券の未実現収益
|
| | | | — | | | | | | (286) | | |
繰延税金総額負債
|
| | | | (1,434) | | | | | | (2,398) | | |
Net deferred tax assets
|
| | | $ | 9,510 | | | | | $ | 10,239 | | |
(Dollars in thousands)
|
| |
2021
|
| |
2020
|
| ||||||
Balance on January 1,
|
| | | $ | 9,137 | | | | | $ | 4,388 | | |
New loans
|
| | | | 4,864 | | | | | | 2,500 | | |
MBI acquisition
|
| | | | — | | | | | | 757 | | |
PPP
|
| | | | 339 | | | | | | 1,682 | | |
係り先組成変化の影響
|
| | | | — | | | | | | — | | |
Repayments
|
| | | | (2,626) | | | | | | (190) | | |
Balance on December 31
|
| | | $ | 11,714 | | | | | $ | 9,137 | | |
| | |
Fair Value Measurements
on December 31, 2021 Using: |
| |||||||||||||||||||||
(Dollars in thousands)
|
| |
Fair
Value |
| |
Quoted Prices in
Active Markets for Identical Assets (Level 1) |
| |
Significant
Other Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| ||||||||||||
ASSETS: | | | | | | | | | | | | | | | | | | | | | | | | | |
販売可能な証券-課税 | | | | | | | | | | | | | | | | | | | | | | | | | |
小企業管理局貸金池
|
| | | $ | 39,934 | | | | | $ | — | | | | | $ | 39,934 | | | | | $ | — | | |
担保ローン支援証券
|
| | | | 130,103 | | | | | | — | | | | | | 130,103 | | | | | | — | | |
アメリカ機関債務
|
| | | | 3,986 | | | | | | — | | | | | | 3,986 | | | | | | — | | |
Corporate bonds
|
| | | | 1,513 | | | | | | — | | | | | | 1,513 | | | | | | — | | |
販売可能な証券-免税 | | | | | | | | | | | | | | | | | | | | | | | | | |
コミュニティ発展区債券
|
| | | | 17,674 | | | | | | — | | | | | | 17,674 | | | | | $ | — | | |
Municipals
|
| | | | 1,091 | | | | | | — | | | | | | 1,091 | | | | | | — | | |
Equity | | | | | | | | | | | | | | | | | | | | | | | | | |
Mutual funds
|
| | | | 5,838 | | | | | | 5,838 | | | | | | — | | | | | $ | — | | |
その他株式証券
|
| | | | 800 | | | | | | 800 | | | | | | — | | | | | | — | | |
Loans held for sale
|
| | | | 165 | | | | | | 165 | | | | | | — | | | | | $ | — | | |
お客様のデリバティブ-金利交換
|
| | | | 1,144 | | | | | | — | | | | | | 1,144 | | | | | $ | — | | |
LIABILITIES: | | | | | | | | | | | | | | | | | | | | | | | | | |
お客様のデリバティブ-金利交換
|
| | | $ | 1,144 | | | | | | — | | | | | $ | 1,144 | | | | | $ | — | | |
| | |
Fair Value Measurements
on December 31, 2020 Using: |
| |||||||||||||||||||||
(Dollars in thousands)
|
| |
Fair
Value |
| |
Quoted Prices in
Active Markets for Identical Assets (Level 1) |
| |
Significant
Other Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| ||||||||||||
ASSETS: | | | | | | | | | | | | | | | | | | | | | | | | | |
販売可能な証券-課税 | | | | | | | | | | | | | | | | | | | | | | | | | |
小企業管理局貸金池
|
| | | $ | 30,556 | | | | | $ | — | | | | | $ | 30,556 | | | | | $ | — | | |
担保ローン支援証券
|
| | | | 28,922 | | | | | | — | | | | | | 28,922 | | | | | | — | | |
アメリカ機関債務
|
| | | | 3,122 | | | | | | — | | | | | | 3,122 | | | | | | — | | |
Corporate bonds
|
| | | | 2,510 | | | | | | — | | | | | | 2,510 | | | | | | — | | |
販売可能な証券-免税 | | | | | | | | | | | | | | | | | | | | | | | | | |
コミュニティ発展区債券
|
| | | | 21,299 | | | | | | — | | | | | | 21,299 | | | | | $ | — | | |
Municipals
|
| | | | 1,099 | | | | | | — | | | | | | 1,099 | | | | | | — | | |
Equity | | | | | | | | | | | | | | | | | | | | | | | | | |
Mutual funds
|
| | | | 6,005 | | | | | | 6,005 | | | | | | — | | | | | $ | — | | |
Loans held for sale
|
| | | | 1,270 | | | | | | 1,270 | | | | | | — | | | | | $ | — | | |
| | | | | | | | |
Fair Value Measurements
on December 31, 2021 Using: |
| |||||||||||||||||||||
(Dollars in thousands)
|
| |
Total on
December 31, 2021 |
| |
Quoted Prices in
Active Markets for Identical Assets (Level 1) |
| |
Significant
Other Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| |
Total Gains
(Losses) |
| |||||||||||||||
Impaired Loans: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Commercial real estate
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
住宅不動産
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Commercial
|
| | | | 797 | | | | | | — | | | | | | — | | | | | | 797 | | | | | | (671) | | |
建設と土地開発
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Consumer and other
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | (654) | | |
Total
|
| | | $ | 797 | | | | | $ | — | | | | | $ | — | | | | | $ | 797 | | | | | $ | (1,325) | | |
| | | | | | | | |
Fair Value Measurements
on December 31, 2020 Using: |
| | | | | | | | | | | | | |||||||||||||||||||||
(Dollars in thousands)
|
| |
Total on
December 31, 2020 |
| |
Quoted Prices in
Active Markets for Identical Assets (Level 1) |
| |
Significant
Other Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| |
Total Gains
(Losses) |
| | | | | |||||||||||||||||||||||
Impaired Loans: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | ||||||||
Commercial real estate
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | | | ||||||||
住宅不動産
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | | ||||||||
Commercial
|
| | | | 818 | | | | | | — | | | | | | — | | | | | | 818 | | | | | | (8,309) | | | | | | | ||||||||
建設と土地開発
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | | ||||||||
Consumer and other
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | | ||||||||
Total
|
| | | $ | 818 | | | | | $ | — | | | | | $ | — | | | | | $ | 818 | | | | | $ | (8,309) | | | | | | |
| | |
December 31, 2021
|
| ||||||||||||
(Dollars in thousands)
|
| |
Carrying
Amount |
| |
Fair
Value |
| |
Fair Value
Hierarchy |
| ||||||
Financial Assets: | | | | | | | | | | | | | | | | |
銀行の現金と満期、利息を含む
deposits |
| | | $ | 583,990 | | | | | $ | 583,990 | | | |
Level 1
|
|
Federal funds sold
|
| | | | 13,477 | | | | | | 13,477 | | | |
Level 1
|
|
販売可能な証券、゚-課税
|
| | | | 175,536 | | | | | | 175,536 | | | |
Level 2
|
|
販売可能な証券、゚-゚免税
|
| | | | 18,765 | | | | | | 18,765 | | | |
Level 2
|
|
満期まで保有している証券
|
| | | | 236 | | | | | | 242 | | | |
Level 2
|
|
Securities, equity
|
| | | | 5,838 | | | | | | 5,838 | | | |
Level 1
|
|
Securities, other equity
|
| | | | 800 | | | | | | 800 | | | |
Level 1
|
|
Loans, net
|
| | | | 1,764,460 | | | | | | 1,779,968 | | | |
Level 3
|
|
Loans held for sale
|
| | | | 165 | | | | | | 165 | | | |
Level 1
|
|
銀行が持つ生命保険
|
| | | | 38,485 | | | | | | 38,485 | | | |
Level 2
|
|
お客様のデリバティブ-金利交換
|
| | | | 1,144 | | | | | | 1,144 | | | |
Level 2
|
|
受取利息
|
| | | | 5,272 | | | | | | 5,272 | | | |
Level 1, 2 & 3
|
|
財務負債: | | | | | | | | | | | | | | | | |
Deposits
|
| | | | 2,371,388 | | | | | | 2,372,372 | | | |
Level 2
|
|
連邦住宅ローン銀行立て替え
|
| | | | 35,000 | | | | | | 34,274 | | | |
Level 2
|
|
Line of credit
|
| | | | 10,000 | | | | | | 10,000 | | | |
Level 2
|
|
お客様のデリバティブ-金利交換
|
| | | | 1,144 | | | | | | 1,144 | | | |
Level 2
|
|
支払利息
|
| | | | 263 | | | | | | 263 | | | |
Level 2
|
|
| | |
December 31, 2020
|
| ||||||||||||
(Dollars in thousands)
|
| |
Carrying
Amount |
| |
Fair
Value |
| |
Fair Value
Hierarchy |
| ||||||
Financial Assets: | | | | | | | | | | | | | | | | |
銀行の現金と満期、利息を含む
deposits |
| | | $ | 191,596 | | | | | $ | 191,596 | | | |
Level 1
|
|
Federal funds sold
|
| | | | 25,376 | | | | | | 25,376 | | | |
Level 1
|
|
販売可能な証券、゚-課税
|
| | | | 65,110 | | | | | | 65,110 | | | |
Level 2
|
|
販売可能な証券、゚-゚免税
|
| | | | 22,398 | | | | | | 22,398 | | | |
Level 2
|
|
満期まで保有している証券
|
| | | | 1,547 | | | | | | 1,561 | | | |
Level 2
|
|
Securities, equity
|
| | | | 6,005 | | | | | | 6,005 | | | |
Level 1
|
|
Loans, net
|
| | | | 1,641,422 | | | | | | 1,653,401 | | | |
Level 3
|
|
Loans held for sale
|
| | | | 1,270 | | | | | | 1,270 | | | |
Level 1
|
|
銀行が持つ生命保険
|
| | | | 37,360 | | | | | | 37,360 | | | |
Level 2
|
|
受取利息
|
| | | | 6,666 | | | | | | 6,666 | | | |
Level 1, 2 & 3
|
|
財務負債: | | | | | | | | | | | | | | | | |
Deposits
|
| | | | 1,659,543 | | | | | | 1,693,331 | | | |
Level 2
|
|
連邦住宅ローン銀行立て替え
|
| | | | 40,000 | | | | | | 37,927 | | | |
Level 2
|
|
Subordinated debt
|
| | | | 10,153 | | | | | | 10,153 | | | |
Level 2
|
|
PPPLF advances
|
| | | | 101,358 | | | | | | 101,519 | | | |
Level 2
|
|
Loan participations
|
| | | | 13,215 | | | | | | 13,215 | | | |
Level 2
|
|
支払利息
|
| | | | 546 | | | | | | 546 | | | |
Level 2
|
|
(Dollars in thousands)
|
| |
2021
|
| |
2020
|
| ||||||
使用可能なクレジット限度額
|
| | | $ | 415,402 | | | | | $ | 355,927 | | |
資金のない融資約束--固定
|
| | | | 62,126 | | | | | | 28,414 | | |
資金ローンの約束なし-変数
|
| | | | 46,698 | | | | | | 12,215 | | |
予備信用状
|
| | | | 12,095 | | | | | | 13,036 | | |
商業信用状
|
| | | | 2,765 | | | | | | 1,028 | | |
信用延期承諾総額
|
| | | $ | 539,086 | | | | | $ | 410,620 | | |
| | |
Actual
|
| |
Required for
Capital Adequacy Purposes |
| |
Well Capitalized
Prompt Corrective Action Regulations |
| |||||||||||||||||||||||||||
(Dollars in thousands)
|
| |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| ||||||||||||||||||
December 31, 2021 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Total Capital ratio | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Bank
|
| | | $ | 222,696 | | | | | | 12.9% | | | | | $ | 138,435 | | | | | | 8.0% | | | | | $ | 173,043 | | | | | | 10.0% | | |
Company
|
| | | | 220,206 | | | | | | 12.7% | | | | | $ | 138,435 | | | | | | 8.0% | | | | | | 適用されない | | | | | | 適用されない | | |
Tier 1 Capital ratio | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Bank
|
| | | | 208,997 | | | | | | 12.1% | | | | | $ | 103,826 | | | | | | 6.0% | | | | | | 138,435 | | | | | | 8.0% | | |
Company
|
| | | | 206,507 | | | | | | 11.9% | | | | | | 103,826 | | | | | | 6.0% | | | | | | 適用されない | | | | | | 適用されない | | |
Tier 1 Leverage ratio | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Bank
|
| | | | 208,997 | | | | | | 7.7% | | | | | | 107,877 | | | | | | 4.0% | | | | | | 134,846 | | | | | | 5.0% | | |
Company
|
| | | | 206,507 | | | | | | 7.7% | | | | | | 107,877 | | | | | | 4.0% | | | | | | 適用されない | | | | | | 適用されない | | |
Common Equity Tier 1 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Bank
|
| | | | 208,997 | | | | | | 12.1% | | | | | | 77,869 | | | | | | 4.5% | | | | | | 112,478 | | | | | | 6.5% | | |
Company
|
| | | | 206,507 | | | | | | 11.9% | | | | | | 77,869 | | | | | | 4.5% | | | | | | 適用されない | | | | | | 適用されない | | |
December 31, 2020 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Total Capital ratio | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Bank
|
| | | $ | 176,633 | | | | | | 12.0% | | | | | $ | 117,298 | | | | | | 8.0% | | | | | $ | 146,623 | | | | | | 10.0% | | |
Company
|
| | | | 215,977 | | | | | | 14.7% | | | | | | 117,298 | | | | | | 8.0% | | | | | | 適用されない | | | | | | 適用されない | | |
Tier 1 Capital ratio | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Bank
|
| | | | 159,448 | | | | | | 10.9% | | | | | | 87,974 | | | | | | 6.0% | | | | | | 117,298 | | | | | | 8.0% | | |
Company
|
| | | | 188,639 | | | | | | 12.9% | | | | | | 87,974 | | | | | | 6.0% | | | | | | 適用されない | | | | | | 適用されない | | |
Tier 1 Leverage ratio | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Bank
|
| | | | 159,448 | | | | | | 8.4% | | | | | | 75,723 | | | | | | 4.0% | | | | | | 94,654 | | | | | | 5.0% | | |
Company
|
| | | | 188,639 | | | | | | 10.0% | | | | | | 75,723 | | | | | | 4.0% | | | | | | 適用されない | | | | | | 適用されない | | |
Common Equity Tier 1 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Bank
|
| | | | 159,448 | | | | | | 10.9% | | | | | | 65,980 | | | | | | 4.5% | | | | | | 95,305 | | | | | | 6.5% | | |
Company
|
| | | | 188,639 | | | | | | 12.9% | | | | | | 65,980 | | | | | | 4.5% | | | | | | 適用されない | | | | | | 適用されない | | |
| | |
Number of Shares
|
| |
Weighted-
Average Grant-Date Fair Value |
| ||||||
Balance on January 1, 2020
|
| | | | 99,216 | | | | | $ | 18.98 | | |
Granted
|
| | | | 37,527 | | | | | | 16.56 | | |
Vested
|
| | | | (37,794) | | | | | | 18.67 | | |
Forfeited
|
| | | | (1,551) | | | | | | 19.00 | | |
Expired
|
| | | | — | | | | | | — | | |
Balance on December 31, 2020
|
| | | | 97,398 | | | | | $ | 18.17 | | |
Balance on January 1, 2021
|
| | | | 97,398 | | | | | $ | 18.17 | | |
Granted
|
| | | | 142,736 | | | | | | 15.60 | | |
Vested
|
| | | | (37,352) | | | | | | 18.66 | | |
Forfeited
|
| | | | (4,195) | | | | | | 17.99 | | |
Expired
|
| | | | — | | | | | | — | | |
Balance on December 31, 2021
|
| | | | 198,587 | | | | | $ | 16.23 | | |
| | |
Stock
Options |
| |
Weighted-
Average Exercise Price |
| |
Weighted-
Average Remaining Contractual Term |
| |
Aggregate
Intrinsic Value |
| ||||||||||||
Balance on January 1, 2020
|
| | | | 152,100 | | | | | $ | 13.03 | | | | | | | | | | | | | | |
Granted
|
| | | | — | | | | | | — | | | | | | | | | | | | | | |
MBI Acquisition
|
| | | | 998,769 | | | | | | 10.17 | | | | | | | | | | | | | | |
Exercised
|
| | | | (152,328) | | | | | | 8.77 | | | | | | | | | | | | | | |
Expired
|
| | | | (1,045) | | | | | | 8.31 | | | | | | | | | | | | | | |
Forfeited
|
| | | | (9,153) | | | | | | 7.05 | | | | | | | | | | | | | | |
Balance on December 31, 2020
|
| | | | 988,343 | | | | | | 10.84 | | | | | | 5.02 | | | | | $ | 4,587 | | |
Exercisable on December 31, 2020
|
| | | | 965,561 | | | | | $ | 10.79 | | | | | | 4.98 | | | | | $ | 4,525 | | |
Balance on January 1, 2021
|
| | | | 988,343 | | | | | $ | 10.84 | | | | | | | | | | | | | | |
Granted
|
| | | | — | | | | | | — | | | | | | | | | | | | | | |
Exercised
|
| | | | (155,808) | | | | | | 9.92 | | | | | | | | | | | | | | |
Expired
|
| | | | (3,000) | | | | | | 13.00 | | | | | | | | | | | | | | |
Forfeited
|
| | | | — | | | | | | — | | | | | | | | | | | | | | |
Balance on December 31, 2021
|
| | | | 829,535 | | | | | | 11.01 | | | | | | 4.44 | | | | | $ | 6,765 | | |
Exercisable on December 31, 2021
|
| | | | 829,535 | | | | | $ | 11.01 | | | | | | 4.44 | | | | | $ | 6,765 | | |
(Dollars in thousands)
|
| |
Year Ended
December 31, 2021 |
| |
Year Ended
December 31, 2020 |
| ||||||
レンタルと利息コスト
を経営する
|
| | | $ | 1,464 | | | | | $ | 1,816 | | |
Variable lease cost
|
| | | | 409 | | | | | | 490 | | |
Total lease cost
|
| | | $ | 1,873 | | | | | $ | 2,306 | | |
(Dollars in thousands)
|
| |
Year Ended
December 31, 2021 |
| |
Year Ended
December 31, 2020 |
| ||||||
レンタルを経営している-経営キャッシュフロー(固定支払い)
|
| | | $ | 1,464 | | | | | $ | 1,816 | | |
運営リース-運営キャッシュフロー(負債削減)
|
| | | $ | 1,352 | | | | | $ | 1,900 | | |
New ROU assets – operating leases
|
| | | $ | 179 | | | | | $ | 2,027 | | |
加重平均レンタル期間(年)≡-経営リース
|
| | | | 4.80 | | | | | | 5.60 | | |
加重平均割引率-営業レンタル
|
| | | | 3.15% | | | | | | 3.11% | | |
(Dollars in thousands)
|
| |
December 31, 2021
|
| |||
満期経営賃貸支払い: | | | | | | | |
Within one year
|
| | | $ | 1,437 | | |
1年後ですが2年以内に
|
| | | | 1,420 | | |
2年後ですが3年以内
|
| | | | 1,136 | | |
3年後4年以内
|
| | | | 1,075 | | |
4年後5年以内
|
| | | | 604 | | |
After five years
|
| | | | 533 | | |
未割引キャッシュフロー合計
|
| | | | 6,205 | | |
Discount on cash flows
|
| | | | (1,056) | | |
レンタル総負債
経営
|
| | | $ | 5,149 | | |
(Dollars in thousands)
|
| |
2021
|
| |
2020
|
| ||||||
Assets | | | | | | | | | | | | | |
Cash
|
| | | $ | 5,819 | | | | | $ | 38,547 | | |
子会社への投資
|
| | | | 234,814 | | | | | | 186,373 | | |
Other assets
|
| | | | 930 | | | | | | 50 | | |
| | | | $ | 241,563 | | | | | $ | 224,970 | | |
負債と株主権益 | | | | | | | | | | | | | |
Line of credit
|
| | | | 10,000 | | | | | | — | | |
Subordinated debt
|
| | | | — | | | | | | 10,153 | | |
Other liabilities
|
| | | | 39 | | | | | | (748) | | |
Shareholders’ equity
|
| | | | 231,524 | | | | | | 215,565 | | |
| | | | $ | 241,563 | | | | | $ | 224,970 | | |
(Dollars in thousands)
|
| |
2021
|
| |
2020
|
| ||||||
Income
|
| | | $ | — | | | | | $ | — | | |
Interest expenses
|
| | | | 393 | | | | | | 458 | | |
Non-interest expenses
|
| | | | 1,556 | | | | | | 3,347 | | |
子会社未分配収入における所得税と権益前収益(損失)
|
| | | $ | (1,949) | | | | | $ | (3,805) | | |
所得税引当(福祉)
|
| | | | (494) | | | | | | (787) | | |
子会社未分配収入における権益前収益(損失)
|
| | | | (1,455) | | | | | | (3,018) | | |
子会社の未分配収入における権益
|
| | | | 22,819 | | | | | | 11,323 | | |
Net Income
|
| | | $ | 21,364 | | | | | $ | 8,305 | | |
(Dollars in thousands)
|
| |
2021
|
| |
2020
|
| ||||||
経営活動によるキャッシュフロー | | | | | | | | | | | | | |
純収益と経営活動の現金純額を調整:
|
| | | | | | | | | | | | |
Net income
|
| | | $ | 21,364 | | | | | $ | 8,305 | | |
子会社の未分配収入における権益
|
| | | | (22,819) | | | | | | (11,323) | | |
減価償却及び償却
|
| | | | (150) | | | | | | 133 | | |
その他資産純減(増)
|
| | | | (883) | | | | | | 626 | | |
その他負債純増加(マイナス)
|
| | | | 787 | | | | | | 9,294 | | |
経営活動提供(使用)の現金純額
|
| | | | (1,701) | | | | | | 7,035 | | |
投資活動によるキャッシュフロー | | | | | | | | | | | | | |
子会社への投資
|
| | | | (27,253) | | | | | | (112,657) | | |
買収収益
|
| | | | — | | | | | | 26,860 | | |
投資活動で使用する純現金
|
| | | | (27,253) | | | | | | (85,797) | | |
融資活動によるキャッシュフロー | | | | | | | | | | | | | |
普通株発行、関連費用を差し引く
|
| | | | 1,545 | | | | | | 60,967 | | |
株に基づく雇用福祉計画
|
| | | | 1,486 | | | | | | 1,065 | | |
MBI acquisition
|
| | | | — | | | | | | 70,035 | | |
二次支払手形
償還
|
| | | | (10,000) | | | | | | — | | |
信用限度額収益
|
| | | | 10,000 | | | | | | — | | |
クレジット返済額
|
| | | | — | | | | | | (9,999) | | |
在庫株の購入
|
| | | | (6,805) | | | | | | (5,064) | | |
融資活動が提供する現金純額
|
| | | | (3,774) | | | | | | 117,004 | | |
現金と現金等価物の増加(減少)
|
| | | | (32,728) | | | | | | 38,242 | | |
年明けの現金と現金等価物
|
| | | | 38,547 | | | | | | 305 | | |
年末現金と現金等価物
|
| | | $ | 5,819 | | | | | $ | 38,547 | | |
キャッシュフロー情報を補完: | | | | | | | | | | | | | |
年内に税金を納める現金
|
| | | $ | 5,608 | | | | | $ | 3,018 | | |
(単位は千,1株あたりのデータを除く)
|
| |
Adjusted
Estimated Fair Value |
| |||
MBI発行普通株式数
|
| | | | 3,509,143 | | |
Per share exchange ratio
|
| | | | 1.2048 | | |
普通株式発行済株式数
|
| | | | 4,227,816 | | |
2020年3月26日の1株当たり普通株価格
を乗じた
|
| | | $ | 15.21 | | |
発行済み普通株式価値
|
| | | | 64,305 | | |
断片化株式の代わりに現金で
|
| | | | 1 | | |
MBI株式オプションをPFHDオプションに変換する公正価値
|
| | | | 5,729 | | |
譲渡総対価の公正価値
|
| | | $ | 70,035 | | |
確認された購入資産金額と負担する負債を識別できる | | | | | | | |
現金と現金等価物
|
| | | $ | 26,860 | | |
販売可能な証券
|
| | | | 27,029 | | |
満期まで保有している証券
|
| | | | 1,466 | | |
Loans
|
| | | | 515,304 | | |
Premises and equipment
|
| | | | 824 | | |
受取利息
|
| | | | 1,525 | | |
コア預金無形資産
|
| | | | 1,646 | | |
Other assets
|
| | | | 9,143 | | |
Total assets acquired
|
| | | | 583,797 | | |
Deposits
|
| | | | 498,110 | | |
連邦住宅ローン銀行立て替え
|
| | | | 25,103 | | |
支払二次手形
|
| | | | 10,285 | | |
支払利息
|
| | | | 610 | | |
Other liabilities
|
| | | | 4,275 | | |
が負担する総負債
|
| | | | 538,383 | | |
純資産総額
を識別できる
|
| | | | 45,414 | | |
Goodwill
|
| | | $ | 24,621 | | |
| | |
September 30,
2022 |
| |
December 31,
2021 |
| ||||||
ASSETS | | | | | | | | | | | | | |
銀行の現金と満期
|
| | | $ | 43,863 | | | | | $ | 38,469 | | |
生息預金
|
| | | | 113,641 | | | | | | 545,521 | | |
連邦基金の販売
|
| | | | 15,762 | | | | | | 13,477 | | |
現金と現金等価物
|
| | | | 173,266 | | | | | | 597,467 | | |
販売可能な証券は,公正価値に応じて課税される
|
| | | | 150,517 | | | | | | 175,536 | | |
販売可能な証券は、公正価値によって免税されます
|
| | | | 26,863 | | | | | | 18,765 | | |
満期まで保有している証券(公正価値2022年9月30日付−$178,2021年12月31日付−$242)
|
| | | | 194 | | | | | | 236 | | |
持分証券
|
| | | | 6,182 | | | | | | 6,638 | | |
2022年9月30日と2021年12月31日までのローン純額は、それぞれ16,485ドルと12,704ドルです
|
| | | | 1,988,410 | | | | | | 1,764,460 | | |
販売待ちローン
|
| | | | — | | | | | | 165 | | |
部屋と設備、算入
|
| | | | 7,867 | | | | | | 9,020 | | |
銀行は生命保険を持っている
|
| | | | 54,534 | | | | | | 38,485 | | |
営業権と無形資産
|
| | | | 25,579 | | | | | | 25,766 | | |
Other assets
|
| | | | 41,465 | | | | | | 27,573 | | |
Total assets
|
| | | $ | 2,474,877 | | | | | $ | 2,664,111 | | |
負債と株主権益 | | | | | | | | | | | | | |
Deposits
|
| | | | | | | | | | | | |
Demand-無利子計
|
| | | $ | 758,042 | | | | | $ | 674,003 | | |
Demand-利息計
|
| | | | 308,167 | | | | | | 310,362 | | |
通貨市場と貯蓄
|
| | | | 976,766 | | | | | | 1,121,330 | | |
Time deposits
|
| | | | 145,316 | | | | | | 265,693 | | |
Total deposits
|
| | | | 2,188,291 | | | | | | 2,371,388 | | |
連邦住宅ローン銀行の前払い
|
| | | | — | | | | | | 35,000 | | |
公式小切手
|
| | | | 5,350 | | | | | | 4,125 | | |
その他の借金
|
| | | | — | | | | | | 10,000 | | |
二次債務
|
| | | | 24,467 | | | | | | — | | |
利息とその他の負債を計算する
|
| | | | 18,905 | | | | | | 12,074 | | |
総負債
|
| | | | 2,237,013 | | | | | | 2,432,587 | | |
Stockholders’ equity | | | | | | | | | | | | | |
優先株,ライセンス発行10,000,000株,未発行
|
| | | | — | | | | | | — | | |
A類投票普通株,額面0.01ドル;認可50,000,000株,
issued 14,769,354 and outstanding 13,811,084 shares as of September 30, 2022, and authorized 50,000,000 shares, issued 14,393,750 and outstanding 13,446,400 shares at December 31, 2021 |
| | | | 148 | | | | | | 144 | | |
B類非投票権普通株、額面0.01ドル、ライセンス株式1000万株、
2022年9月30日と2021年12月31日未発行と未償還債券 |
| | | | — | | | | | | — | | |
在庫株は原価で
|
| | | | (16,214) | | | | | | (16,003) | | |
新規実収資本
|
| | | | 216,703 | | | | | | 212,012 | | |
収益を残す
|
| | | | 54,006 | | | | | | 36,120 | | |
他の総合損失を累積
|
| | | | (16,779) | | | | | | (749) | | |
株主資本総額
|
| | | | 237,864 | | | | | | 231,524 | | |
総負債と株主権益
|
| | | $ | 2,474,877 | | | | | $ | 2,664,111 | | |
| | |
Three Months Ended September 30,
|
| |
Nine Months Ended September 30,
|
| ||||||||||||||||||
| | |
2022
|
| |
2021
|
| |
2022
|
| |
2021
|
| ||||||||||||
Interest income | | | | | | | | | | | | | | | | | | | | | | | | | |
手数料を含むローン
|
| | | $ | 25,222 | | | | | $ | 20,209 | | | | | $ | 66,602 | | | | | $ | 57,753 | | |
証券投資-課税
|
| | | | 736 | | | | | | 186 | | | | | | 2,078 | | | | | | 526 | | |
投資証券-免税
|
| | | | 228 | | | | | | 177 | | | | | | 673 | | | | | | 569 | | |
制限株の配当収入
|
| | | | 108 | | | | | | 96 | | | | | | 310 | | | | | | 290 | | |
Other
|
| | | | 871 | | | | | | 222 | | | | | | 2,194 | | | | | | 486 | | |
利息収入総額
|
| | | | 27,165 | | | | | | 20,890 | | | | | | 71,857 | | | | | | 59,624 | | |
Interest expense | | | | | | | | | | | | | | | | | | | | | | | | | |
Deposits
|
| | | | 2,170 | | | | | | 1,476 | | | | | | 5,247 | | | | | | 4,223 | | |
連邦住宅ローン銀行の前払い
|
| | | | — | | | | | | 182 | | | | | | 137 | | | | | | 568 | | |
二次債務
|
| | | | 198 | | | | | | 128 | | | | | | 696 | | | | | | 335 | | |
その他の借金
|
| | | | — | | | | | | — | | | | | | 24 | | | | | | 313 | | |
利息支出総額
|
| | | | 2,368 | | | | | | 1,786 | | | | | | 6,104 | | | | | | 5,439 | | |
純利息収入
|
| | | | 24,797 | | | | | | 19,104 | | | | | | 65,753 | | | | | | 54,185 | | |
ローン損失準備金
|
| | | | 1,343 | | | | | | 1,060 | | | | | | 4,434 | | | | | | 2,860 | | |
融資損失準備後の純利息収入を計上する
|
| | | | 23,454 | | | | | | 18,044 | | | | | | 61,319 | | | | | | 51,325 | | |
Noninterest income | | | | | | | | | | | | | | | | | | | | | | | | | |
預金口座手数料
|
| | | | 542 | | | | | | 643 | | | | | | 1,636 | | | | | | 2,237 | | |
銀行が持っている生命保険収入
|
| | | | 400 | | | | | | 281 | | | | | | 1,049 | | | | | | 844 | | |
SBA発起料
|
| | | | 90 | | | | | | 21 | | | | | | 138 | | | | | | 166 | | |
Swap fee income
|
| | | | — | | | | | | 208 | | | | | | 112 | | | | | | 781 | | |
販売収入のためのローン
|
| | | | 6 | | | | | | 161 | | | | | | 122 | | | | | | 462 | | |
証券の売却と償還の収益
|
| | | | — | | | | | | 1 | | | | | | 13 | | | | | | 23 | | |
Other
|
| | | | 185 | | | | | | 161 | | | | | | 1,207 | | | | | | 384 | | |
非利息収入総額
|
| | | | 1,223 | | | | | | 1,476 | | | | | | 4,277 | | | | | | 4,897 | | |
Noninterest expense | | | | | | | | | | | | | | | | | | | | | | | | | |
給料と従業員福祉
|
| | | | 8,003 | | | | | | 7,350 | | | | | | 26,696 | | | | | | 21,233 | | |
入居率と設備
|
| | | | 1,001 | | | | | | 935 | | | | | | 3,013 | | | | | | 2,942 | | |
データ処理
|
| | | | 257 | | | | | | 303 | | | | | | 875 | | | | | | 869 | | |
Marketing
|
| | | | 565 | | | | | | 420 | | | | | | 886 | | | | | | 738 | | |
専門費
|
| | | | 830 | | | | | | 689 | | | | | | 2,635 | | | | | | 2,087 | | |
購入費用
|
| | | | 957 | | | | | | — | | | | | | 957 | | | | | | 684 | | |
規制評価
|
| | | | 254 | | | | | | 481 | | | | | | 1,276 | | | | | | 1,248 | | |
Other
|
| | | | 1,986 | | | | | | 1,446 | | | | | | 6,614 | | | | | | 4,565 | | |
非利息支出総額
|
| | | | 13,853 | | | | | | 11,624 | | | | | | 42,952 | | | | | | 34,366 | | |
所得税前収入
|
| | | | 10,824 | | | | | | 7,896 | | | | | | 22,644 | | | | | | 21,856 | | |
所得税引当金
|
| | | | 2,351 | | | | | | 1,608 | | | | | | 4,758 | | | | | | 4,452 | | |
Net income
|
| | | $ | 8,473 | | | | | $ | 6,288 | | | | | $ | 17,886 | | | | | $ | 17,404 | | |
Earnings per share: | | | | | | | | | | | | | | | | | | | | | | | | | |
Basic
|
| | | $ | 0.63 | | | | | $ | 0.48 | | | | | $ | 1.33 | | | | | $ | 1.30 | | |
Diluted
|
| | | $ | 0.60 | | | | | $ | 0.45 | | | | | $ | 1.27 | | | | | $ | 1.25 | | |
その他総合収益: | | | | | | | | | | | | | | | | | | | | | | | | | |
証券売却可能な未実現保有損失
|
| | | | (7,176) | | | | | | (288) | | | | | | (21,484) | | | | | | (1,081) | | |
Tax effect
|
| | | | 1,819 | | | | | | 71 | | | | | | 5,454 | | | | | | 265 | | |
他の総合損失、税引き後純額
|
| | | | (5,357) | | | | | | (217) | | | | | | (16,030) | | | | | | (816) | | |
総合収益
|
| | | $ | 3,116 | | | | | $ | 6,071 | | | | | $ | 1,856 | | | | | $ | 16,588 | | |
| | |
Common Stock
|
| |
Treasury
Stock |
| |
Additional
Paid-in Capital |
| |
Retained
Earnings |
| |
Accumulated
Other Comprehensive Income (Loss) |
| |
Total
|
| ||||||||||||||||||||||||
| | |
Shares
|
| |
Amount
|
| ||||||||||||||||||||||||||||||||||||
Balance on December 31, 2020
|
| | | | 13,534,829 | | | | | $ | 141 | | | | | $ | (9,209) | | | | | $ | 208,995 | | | | | $ | 14,756 | | | | | $ | 882 | | | | | $ | 215,565 | | |
従業員の株購入計画
|
| | | | 1,851 | | | | | | — | | | | | | — | | | | | | 34 | | | | | | — | | | | | | — | | | | | | 34 | | |
株に基づく報酬
|
| | | | — | | | | | | — | | | | | | — | | | | | | 1,068 | | | | | | — | | | | | | — | | | | | | 1,068 | | |
株式オプションの行使
|
| | | | 92,710 | | | | | | 1 | | | | | | — | | | | | | 811 | | | | | | — | | | | | | — | | | | | | 812 | | |
発行の制限株
|
| | | | 128,644 | | | | | | 1 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 1 | | |
Treasury stock
|
| | | | (341,367) | | | | | | — | | | | | | (6,037) | | | | | | (10) | | | | | | — | | | | | | — | | | | | | (6,047) | | |
Net income
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 17,404 | | | | | | — | | | | | | 17,404 | | |
その他の総合損失
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | (816) | | | | | | (816) | | |
Balance on September 30, 2021
|
| | | | 13,416,667 | | | | | $ | 143 | | | | | $ | (15,246) | | | | | $ | 210,898 | | | | | $ | 32,160 | | | | | $ | 66 | | | | | $ | 228,021 | | |
Balance on December 31, 2021
|
| | | | 13,446,400 | | | | | $ | 144 | | | | | $ | (16,003) | | | | | $ | 212,012 | | | | | $ | 36,120 | | | | | $ | (749) | | | | | $ | 231,524 | | |
株に基づく報酬
|
| | | | — | | | | | | — | | | | | | — | | | | | | 2,776 | | | | | | — | | | | | | — | | | | | | 2,776 | | |
株式オプションの行使
|
| | | | 169,058 | | | | | | 2 | | | | | | — | | | | | | 1,917 | | | | | | — | | | | | | — | | | | | | 1,919 | | |
発行の制限株
|
| | | | 206,546 | | | | | | 2 | | | | | | — | | | | | | (2) | | | | | | — | | | | | | — | | | | | | — | | |
Treasury stock
|
| | | | (10,920) | | | | | | — | | | | | | (211) | | | | | | — | | | | | | — | | | | | | — | | | | | | (211) | | |
Net income
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 17,886 | | | | | | — | | | | | | 17,886 | | |
その他の総合損失
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | (16,030) | | | | | | (16,030) | | |
September 30, 2022
|
| | | | 13,811,084 | | | | | $ | 148 | | | | | $ | (16,214) | | | | | $ | 216,703 | | | | | $ | 54,006 | | | | | $ | (16,779) | | | | | $ | 237,864 | | |
Balance on June 30, 2021
|
| | | | 13,475,781 | | | | | $ | 143 | | | | | $ | (13,544) | | | | | $ | 210,274 | | | | | $ | 25,872 | | | | | $ | 283 | | | | | $ | 223,028 | | |
Stock based compensation
expense |
| | | | — | | | | | | — | | | | | | — | | | | | | 359 | | | | | | — | | | | | | — | | | | | | 359 | | |
株式オプションの行使
|
| | | | 28,296 | | | | | | — | | | | | | — | | | | | | 268 | | | | | | — | | | | | | — | | | | | | 268 | | |
発行の制限株
|
| | | | 6,189 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Treasury stock
|
| | | | (93,599) | | | | | | — | | | | | | (1,702) | | | | | | (3) | | | | | | — | | | | | | — | | | | | | (1,705) | | |
Net income
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 6,288 | | | | | | — | | | | | | 6,288 | | |
その他の総合損失
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | (217) | | | | | | (217) | | |
Balance on September 30, 2021
|
| | | | 13,416,667 | | | | | $ | 143 | | | | | $ | (15,246) | | | | | $ | 210,898 | | | | | $ | 32,160 | | | | | $ | 66 | | | | | $ | 228,021 | | |
Balance on June 30, 2022
|
| | | | 13,742,381 | | | | | $ | 147 | | | | | $ | (16,201) | | | | | $ | 215,541 | | | | | $ | 45,533 | | | | | $ | (11,422) | | | | | $ | 233,598 | | |
Stock based compensation
expense |
| | | | — | | | | | | — | | | | | | — | | | | | | 547 | | | | | | — | | | | | | — | | | | | | 547 | | |
株式オプションの行使
|
| | | | 53,586 | | | | | | 1 | | | | | | — | | | | | | 615 | | | | | | — | | | | | | — | | | | | | 616 | | |
発行の制限株
|
| | | | 15,793 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Treasury stock
|
| | | | (676) | | | | | | — | | | | | | (13) | | | | | | — | | | | | | — | | | | | | — | | | | | | (13) | | |
Net income
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 8,473 | | | | | | — | | | | | | 8,473 | | |
その他の総合損失
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | (5,357) | | | | | | (5,357) | | |
Balance on September 30, 2022
|
| | | | 13,811,084 | | | | | $ | 148 | | | | | $ | (16,214) | | | | | $ | 216,703 | | | | | $ | 54,006 | | | | | $ | (16,779) | | | | | $ | 237,864 | | |
| | |
Nine Months Ended September 30,
|
| |||||||||
| | |
2022
|
| |
2021
|
| ||||||
経営活動によるキャッシュフロー | | | | | | | | | | | | | |
Net income
|
| | | $ | 17,886 | | | | | $ | 17,404 | | |
純収益と経営活動が提供する現金純額を調整する:
|
| | | | | | | | | | | | |
ローン損失準備金
|
| | | | 4,434 | | | | | | 2,860 | | |
購買会計調整償却
|
| | | | (4,752) | | | | | | (4,651) | | |
減価償却と償却
|
| | | | 465 | | | | | | 1,023 | | |
証券収益を上げる
|
| | | | (13) | | | | | | (23) | | |
販売待ちローンの収益を持つ
|
| | | | (122) | | | | | | (462) | | |
株式未実現の時価変化
|
| | | | 513 | | | | | | 102 | | |
証券の償却
|
| | | | 1,111 | | | | | | 2,137 | | |
繰延ローン費用は全額償却する
|
| | | | (3,577) | | | | | | (6,589) | | |
販売待ちローンの出所を持っている
|
| | | | (7,973) | | | | | | (22,367) | | |
保有販売ローンの収益を売却する
|
| | | | 8,260 | | | | | | 23,815 | | |
銀行が持っている生命保険収入
|
| | | | (1,049) | | | | | | (844) | | |
家屋と設備処分損失
|
| | | | 4 | | | | | | 140 | | |
従業員の株購入計画
|
| | | | — | | | | | | 34 | | |
株の報酬
|
| | | | 2,776 | | | | | | 1,069 | | |
経営性資産と負債変動:
|
| | | | | | | | | | | | |
課税利息の減少(増加)
|
| | | | (637) | | | | | | 1,330 | | |
Other assets
|
| | | | (8,178) | | | | | | (5,269) | | |
公式小切手、課税利息、その他の負債
|
| | | | 8,188 | | | | | | 1,586 | | |
経営活動が提供する現金純額
|
| | | | 17,336 | | | | | | 11,295 | | |
投資活動によるキャッシュフロー | | | | | | | | | | | | | |
販売可能な証券の満期日と返済所得
|
| | | | 20,942 | | | | | | 16,749 | | |
証券の売却益を償還する
|
| | | | 4,135 | | | | | | 4,812 | | |
満期まで保有している証券償還収益
|
| | | | 40 | | | | | | 1,282 | | |
販売可能な証券を購入する
|
| | | | (30,736) | | | | | | (50,922) | | |
株式証券の購入
|
| | | | (57) | | | | | | (800) | | |
融資元は、元金返済後の純額を差し引く
|
| | | | (220,284) | | | | | | (38,098) | | |
連邦準備銀行株を購入する
|
| | | | (604) | | | | | | (654) | | |
連邦住宅ローン銀行株を償還する
|
| | | | 981 | | | | | | 888 | | |
銀行が持っている生命保険を購入する
|
| | | | (15,000) | | | | | | — | | |
住宅と設備を処分(購入)し、純額
|
| | | | 145 | | | | | | (1,632) | | |
投資活動用の現金純額
|
| | | | (240,438) | | | | | | (68,375) | | |
融資活動によるキャッシュフロー | | | | | | | | | | | | | |
預金の純増(マイナス)
|
| | | | (182,807) | | | | | | 695,844 | | |
株式発行収益、発行コストを差し引く
|
| | | | 1,919 | | | | | | 812 | | |
在庫株を購入する
|
| | | | (211) | | | | | | (6,047) | | |
連邦住宅ローン立て替えの返済
|
| | | | (35,000) | | | | | | (5,000) | | |
二次支払手形の純収益を発行する
|
| | | | 25,000 | | | | | | — | | |
信用限度額の返済
|
| | | | (10,000) | | | | | | — | | |
PPPLF前払い返済
|
| | | | — | | | | | | (101,358) | | |
融資活動が提供する現金純額
|
| | | | (201,099) | | | | | | 584,251 | | |
現金と現金等価物の増加(減少)
|
| | | | (424,201) | | | | | | 527,171 | | |
期初め現金および現金等価物
|
| | | | 597,467 | | | | | | 216,972 | | |
期末現金と現金等価物
|
| | | $ | 173,266 | | | | | $ | 744,143 | | |
キャッシュフロー情報を補完: | | | | | | | | | | | | | |
利息計算期間中に支払われた現金
|
| | | $ | 6,114 | | | | | $ | 6,192 | | |
その間に支払われた税金の払い戻しを差し引いた現金
|
| | | | 6,359 | | | | | | 4,200 | | |
| Description | | | FASBは2022年3月、問題債務再編の指導を廃止し、すべての融資修正を評価して、それらが新しい融資をもたらすか既存の融資の継続をもたらすかを決定するために、ASR 2022-02を発表した。ASU 2022-02はまた、実体が融資とレンタルの起源年ごとに当期総販売を開示することを要求している。 | |
| Date of Adoption | | | ASU 2022-02 is effective January 1, 2023. | |
|
連結財務諸表に対する
の影響
|
| | このASUは私たちの財務諸表開示に影響を与えますが、私たちの財務諸表に実質的な影響を与えません。 | |
| Description | | | FASBは2022年6月にASU 2022-03を発表し、公正価値を計量する際に契約販売制限を考慮すべきではないことを明らかにした。ASU 2022-03はまた、契約販売によって制限された証券に関するいくつかの定性的および定量的情報を開示することをエンティティに要求する。 | |
| Date of Adoption | | | ASU 2022-03 is effective January 1, 2023. | |
|
連結財務諸表に対する
の影響
|
| | 我々はこのASUの影響を評価しているが,実質的とは考えられない. | |
| | |
Three Months Ended September 30,
|
| |
Nine Months Ended September 30,
|
| ||||||||||||||||||
(千ドル、1株当たりデータを除く)
|
| |
2022
|
| |
2021
|
| |
2022
|
| |
2021
|
| ||||||||||||
Basic earnings per share: | | | | | | | | | | | | | | | | | | | | | | | | | |
Net income
|
| | | $ | 8,473 | | | | | $ | 6,288 | | | | | $ | 17,886 | | | | | $ | 17,404 | | |
発行済み普通株式加重平均総額
|
| | | | 13,498,007 | | | | | | 13,196,025 | | | | | | 13,430,536 | | | | | | 13,344,470 | | |
普通株式は基本的に1株当たり収益です
|
| | | $ | 0.63 | | | | | $ | 0.48 | | | | | $ | 1.33 | | | | | $ | 1.30 | | |
希釈して1株当たり収益: | | | | | | | | | | | | | | | | | | | | | | | | | |
Net income
|
| | | $ | 8,473 | | | | | $ | 6,288 | | | | | $ | 17,886 | | | | | $ | 17,404 | | |
発行済み普通株式加重平均総額
|
| | | | 13,498,007 | | | | | | 13,196,025 | | | | | | 13,430,536 | | | | | | 13,344,470 | | |
新規:従業員制限株とオプションの希釈効果
|
| | | | 742,008 | | | | | | 659,402 | | | | | | 661,214 | | | | | | 568,613 | | |
総加重平均希釈株が発行されている
|
| | | | 14,240,015 | | | | | | 13,855,427 | | | | | | 14,091,750 | | | | | | 13,913,083 | | |
希釈して1株当たり普通株収益
|
| | | $ | 0.60 | | | | | $ | 0.45 | | | | | $ | 1.27 | | | | | $ | 1.25 | | |
逆希釈制限株とオプション
|
| | | $ | 16,874 | | | | | $ | 7,357 | | | | | $ | 49,167 | | | | | $ | 278,007 | | |
(Dollars in thousands)
|
| |
Amortized
Cost |
| |
Gross
Unrealized Gains |
| |
Gross
Unrealized Losses |
| |
Fair Value
|
| ||||||||||||
September 30, 2022 | | | | | | | | | | | | | | | | | | | | | | | | | |
Available for sale – taxable | | | | | | | | | | | | | | | | | | | | | | | | | |
小企業管理局融資池
|
| | | $ | 31,902 | | | | | $ | 32 | | | | | $ | (420) | | | | | $ | 31,514 | | |
担保ローン支援証券(1)
|
| | | | 135,017 | | | | | | — | | | | | | (20,183) | | | | | | 114,834 | | |
アメリカ機関の義務
|
| | | | 2,947 | | | | | | — | | | | | | (280) | | | | | | 2,667 | | |
社債
|
| | | | 1,500 | | | | | | 2 | | | | | | — | | | | | | 1,502 | | |
販売可能な総額-課税
|
| | | $ | 171,366 | | | | | $ | 34 | | | | | $ | (20,883) | | | | | $ | 150,517 | | |
Available for sale – tax-exempt | | | | | | | | | | | | | | | | | | | | | | | | | |
コミュニティ発展区債券
|
| | | $ | 25,343 | | | | | $ | 1 | | | | | $ | (1,330) | | | | | $ | 24,014 | | |
Municipals
|
| | | | 3,148 | | | | | | — | | | | | | (299) | | | | | | 2,849 | | |
販売できる総金額は免税です
|
| | | $ | 28,491 | | | | | $ | 1 | | | | | $ | (1,629) | | | | | $ | 26,863 | | |
| | |
Amortized
Cost |
| |
Gross
Unrecognized Gains |
| |
Gross
Unrecognized Losses |
| |
Fair Value
|
| ||||||||||||
Held to Maturity | | | | | | | | | | | | | | | | | | | | | | | | | |
住宅担保ローン支援証券
|
| | | $ | 194 | | | | | $ | — | | | | | $ | (16) | | | | | $ | 178 | | |
満期までの合計
|
| | | $ | 194 | | | | | $ | — | | | | | $ | (16) | | | | | $ | 178 | | |
| | |
Amortized
Cost |
| |
Gross
Unrecognized Gains |
| |
Gross
Unrecognized Losses |
| |
Fair Value
|
| ||||||||||||
Equity | | | | | | | | | | | | | | | | | | | | | | | | | |
Mutual Funds
|
| | | $ | 5,325 | | | | | $ | — | | | | | $ | — | | | | | $ | 5,325 | | |
その他株式証券
|
| | | | 857 | | | | | | — | | | | | | — | | | | | | 857 | | |
Total Equity
|
| | | $ | 6,182 | | | | | $ | — | | | | | $ | — | | | | | $ | 6,182 | | |
(Dollars in thousands)
|
| |
Amortized
Cost |
| |
Gross
Unrealized Gains |
| |
Gross
Unrealized Losses |
| |
Fair
Value |
| ||||||||||||
December 31, 2021 | | | | | | | | | | | | | | | | | | | | | | | | | |
Available for sale – taxable | | | | | | | | | | | | | | | | | | | | | | | | | |
小企業管理局融資池
|
| | | $ | 40,368 | | | | | $ | 38 | | | | | $ | (472) | | | | | $ | 39,934 | | |
担保ローン支援証券(1)
|
| | | | 131,273 | | | | | | 70 | | | | | | (1,240) | | | | | | 130,103 | | |
アメリカ機関の義務
|
| | | | 3,939 | | | | | | 54 | | | | | | (7) | | | | | | 3,986 | | |
社債
|
| | | | 1,500 | | | | | | 13 | | | | | | — | | | | | | 1,513 | | |
販売可能な総額-課税
|
| | | $ | 177,080 | | | | | $ | 175 | | | | | $ | (1,719) | | | | | $ | 175,536 | | |
Available for sale – tax-exempt | | | | | | | | | | | | | | | | | | | | | | | | | |
コミュニティ発展区債券
|
| | | $ | 17,163 | | | | | $ | 512 | | | | | $ | (1) | | | | | $ | 17,674 | | |
Municipals
|
| | | | 1,051 | | | | | | 40 | | | | | | — | | | | | | 1,091 | | |
販売できる総金額は免税です
|
| | | $ | 18,214 | | | | | $ | 552 | | | | | $ | (1) | | | | | $ | 18,765 | | |
| | |
Amortized
Cost |
| |
Gross
Unrecognized Gains |
| |
Gross
Unrecognized Losses |
| |
Fair
Value |
| ||||||||||||
Held to Maturity | | | | | | | | | | | | | | | | | | | | | | | | | |
住宅担保ローン支援証券
|
| | | $ | 236 | | | | | $ | 6 | | | | | $ | — | | | | | $ | 242 | | |
満期までの合計
|
| | | $ | 236 | | | | | $ | 6 | | | | | $ | — | | | | | $ | 242 | | |
| | |
Amortized
Cost |
| |
Gross
Unrecognized Gains |
| |
Gross
Unrecognized Losses |
| |
Fair Value
|
| ||||||||||||
Equity | | | | | | | | | | | | | | | | | | | | | | | | | |
Mutual funds
|
| | | $ | 5,838 | | | | | $ | — | | | | | $ | — | | | | | $ | 5,838 | | |
その他株式証券
|
| | | | 800 | | | | | | — | | | | | | — | | | | | | 800 | | |
Total equity
|
| | | $ | 6,638 | | | | | $ | — | | | | | $ | — | | | | | $ | 6,638 | | |
| | |
September 30, 2022
|
| |||||||||
(Dollars in thousands)
|
| |
Amortized
Cost |
| |
Fair
Value |
| ||||||
Available for sale | | | | | | | | | | | | | |
1年またはそれ以下の期間で満期になる
|
| | | $ | 5,289 | | | | | $ | 5,269 | | |
1年から5年後に満期になる
|
| | | | 22,956 | | | | | | 21,666 | | |
5年から10年後に満期になる
|
| | | | 4,693 | | | | | | 4,097 | | |
10年後に満期になる
|
| | | | — | | | | | | — | | |
Subtotal
|
| | | | 32,938 | | | | | | 31,032 | | |
小企業管理局融資池
|
| | | | 31,902 | | | | | | 31,514 | | |
担保ローン支援証券
|
| | | | 135,017 | | | | | | 114,834 | | |
販売可能な総数量
|
| | | $ | 199,857 | | | | | $ | 177,380 | | |
Held to maturity | | | | | | | | | | | | | |
1年またはそれ以下の期間で満期になる
|
| | | $ | — | | | | | $ | — | | |
1年から5年後に満期になる
|
| | | | — | | | | | | — | | |
Subtotal
|
| | | $ | — | | | | | $ | — | | |
担保ローン支援証券
|
| | | $ | 194 | | | | | $ | 178 | | |
満期までの合計
|
| | | $ | 194 | | | | | $ | 178 | | |
| | |
Less Than 12 Months
|
| |
12 Months or Longer
|
| |
Total
|
| |||||||||||||||||||||||||||
(Dollars in thousands)
|
| |
Fair
Value |
| |
Unrealized
Losses |
| |
Fair
Value |
| |
Unrealized
Losses |
| |
Fair
Value |
| |
Unrealized
Losses |
| ||||||||||||||||||
September 30, 2022 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Available for sale – taxable | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
小企業管理局融資池
|
| | | $ | 1,613 | | | | | $ | (90) | | | | | $ | 20,468 | | | | | $ | (330) | | | | | $ | 22,081 | | | | | $ | (420) | | |
担保ローン支援証券
|
| | | | 90,835 | | | | | | (15,684) | | | | | | 24,178 | | | | | | (4,499) | | | | | | 115,013 | | | | | | (20,183) | | |
アメリカ機関の義務
|
| | | | 2,667 | | | | | | (280) | | | | | | — | | | | | | — | | | | | | 2,667 | | | | | | (280) | | |
| | |
Less Than 12 Months
|
| |
12 Months or Longer
|
| |
Total
|
| |||||||||||||||||||||||||||
(Dollars in thousands)
|
| |
Fair
Value |
| |
Unrealized
Losses |
| |
Fair
Value |
| |
Unrealized
Losses |
| |
Fair
Value |
| |
Unrealized
Losses |
| ||||||||||||||||||
販売可能な総額-課税
|
| | | $ | 95,115 | | | | | $ | (16,054) | | | | | $ | 44,646 | | | | | $ | (4,829) | | | | | $ | 139,761 | | | | | $ | (20,883) | | |
Available for sale – tax-exempt
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
コミュニティ発展区債券
|
| | | $ | 23,020 | | | | | $ | (1,330) | | | | | $ | — | | | | | $ | — | | | | | $ | 23,020 | | | | | $ | (1,330) | | |
Municipals
|
| | | | 2,849 | | | | | | (299) | | | | | | — | | | | | | — | | | | | | 2,849 | | | | | | (299) | | |
販売できる総金額は免税です
|
| | | $ | 25,869 | | | | | $ | (1,629) | | | | | $ | — | | | | | $ | — | | | | | $ | 25,869 | | | | | $ | (1,629) | | |
December 31, 2021 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Available for sale – taxable | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
小企業管理局融資池
|
| | | $ | 17,428 | | | | | $ | (335) | | | | | $ | 14,872 | | | | | $ | (136) | | | | | $ | 32,300 | | | | | $ | (471) | | |
担保ローン支援証券
|
| | | | 109,621 | | | | | | (1,168) | | | | | | 1,710 | | | | | | (73) | | | | | | 111,331 | | | | | | (1,241) | | |
アメリカ機関の義務
|
| | | | 1,930 | | | | | | (7) | | | | | | — | | | | | | — | | | | | | 1,930 | | | | | | (7) | | |
販売可能な総額-課税
|
| | | $ | 128,979 | | | | | $ | (1,510) | | | | | $ | 16,582 | | | | | $ | (209) | | | | | $ | 145,561 | | | | | $ | (1,719) | | |
Available for sale – tax-exempt | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
コミュニティ発展区債券
|
| | | $ | 809 | | | | | $ | (1) | | | | | $ | — | | | | | $ | — | | | | | $ | 809 | | | | | $ | (1) | | |
販売できる総金額は免税です
|
| | | $ | 809 | | | | | $ | (1) | | | | | $ | — | | | | | $ | — | | | | | $ | 809 | | | | | $ | (1) | | |
|
(Dollars in thousands)
|
| |
September 30, 2022
|
| |
December 31, 2021
|
| ||||||
投資用ローン 投資用融資: | | | | | | | | | | | | | |
商業土地
|
| | | $ | 997,478 | | | | | $ | 902,654 | | |
住宅不動産
|
| | | | 452,521 | | | | | | 377,511 | | |
ビジネス(非PPP)
|
| | | | 397,725 | | | | | | 325,415 | | |
Commercial (PPP)
|
| | | | 2,618 | | | | | | 58,615 | | |
建設と土地開発
|
| | | | 128,570 | | | | | | 91,520 | | |
消費者とその他
|
| | | | 25,983 | | | | | | 21,449 | | |
投資のために持っている融資総額、毛額
|
| | | | 2,004,895 | | | | | | 1,777,164 | | |
ローン損失準備
|
| | | | (16,485) | | | | | | (12,704) | | |
は投資が保有するローンで、純額
|
| | | $ | 1,988,410 | | | | | $ | 1,764,460 | | |
Loans held for sale: | | | | | | | | | | | | | |
販売待ちローン
|
| | | $ | — | | | | | $ | 165 | | |
販売待ちローン総額を保有する
|
| | | $ | — | | | | | $ | 165 | | |
(Dollars in thousands)
|
| |
30 – 59
Days Past Due |
| |
60 – 89
Days Past Due |
| |
Greater than
90 Days Past Due |
| |
Nonaccrual
|
| |
Total
Past Due |
| |
Loans Not
Past Due |
| |
Total
|
| |||||||||||||||||||||
September 30, 2022 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
商業土地
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | 297 | | | | | $ | 297 | | | | | $ | 997,181 | | | | | $ | 997,478 | | |
住宅不動産
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 452,521 | | | | | | 452,521 | | |
ビジネス(非PPP)
|
| | | | — | | | | | | 400 | | | | | | — | | | | | | 1,468 | | | | | | 1,868 | | | | | | 395,857 | | | | | | 397,725 | | |
Commercial (PPP)
|
| | | | 221 | | | | | | — | | | | | | — | | | | | | — | | | | | | 221 | | | | | | 2,397 | | | | | | 2,618 | | |
建設と土地開発
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 128,570 | | | | | | 128,570 | | |
消費者とその他
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 25,983 | | | | | | 25,983 | | |
Total
|
| | | $ | 221 | | | | | $ | 400 | | | | | $ | — | | | | | $ | 1,765 | | | | | $ | 2,386 | | | | | $ | 2,002,509 | | | | | $ | 2,004,895 | | |
(Dollars in thousands)
|
| |
30 – 59
Days Past Due |
| |
60 – 89
Days Past Due |
| |
Greater than
90 Days Past Due |
| |
Nonaccrual
|
| |
Total
Past Due |
| |
Loans Not
Past Due |
| |
Total
|
| |||||||||||||||||||||
December 31, 2021 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
商業土地
|
| | | $ | 292 | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | 292 | | | | | $ | 902,362 | | | | | $ | 902,654 | | |
住宅不動産
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 377,511 | | | | | | 377,511 | | |
ビジネス(非PPP)
|
| | | | 449 | | | | | | — | | | | | | — | | | | | | 1,468 | | | | | | 1,917 | | | | | | 323,498 | | | | | | 325,415 | | |
Commercial (PPP)
|
| | | | 7 | | | | | | — | | | | | | — | | | | | | — | | | | | | 7 | | | | | | 58,608 | | | | | | 58,615 | | |
建設と土地開発
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 91,520 | | | | | | 91,520 | | |
消費者とその他
|
| | | | — | | | | | | — | | | | | | — | | | | | | 654 | | | | | | 654 | | | | | | 20,795 | | | | | | 21,449 | | |
Total
|
| | | $ | 748 | | | | | $ | — | | | | | $ | — | | | | | $ | 2,122 | | | | | $ | 2,870 | | | | | $ | 1,774,294 | | | | | $ | 1,777,164 | | |
(Dollars in thousands)
|
| |
Pass
|
| |
Special
Mention |
| |
Substandard
|
| |
Doubtful
|
| |
Total
|
| |||||||||||||||
September 30, 2022 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
商業土地
|
| | | $ | 994,933 | | | | | $ | — | | | | | $ | 2,545 | | | | | $ | — | | | | | $ | 997,478 | | |
住宅不動産
|
| | | | 452,521 | | | | | | — | | | | | | — | | | | | | — | | | | | | 452,521 | | |
ビジネス(非PPP)
|
| | | | 395,857 | | | | | | 84 | | | | | | 1,784 | | | | | | — | | | | | | 397,725 | | |
Commercial (PPP)
|
| | | | 2,618 | | | | | | — | | | | | | — | | | | | | — | | | | | | 2,618 | | |
建設と土地開発
|
| | | | 128,570 | | | | | | — | | | | | | — | | | | | | — | | | | | | 128,570 | | |
Consumer
|
| | | | 25,914 | | | | | | 69 | | | | | | — | | | | | | — | | | | | | 25,983 | | |
Total
|
| | | $ | 2,000,413 | | | | | $ | 153 | | | | | $ | 4,329 | | | | | $ | — | | | | | $ | 2,004,895 | | |
December 31, 2021 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
商業土地
|
| | | $ | 900,364 | | | | | $ | — | | | | | $ | 2,290 | | | | | $ | — | | | | | $ | 902,654 | | |
住宅不動産
|
| | | | 377,511 | | | | | | — | | | | | | — | | | | | | — | | | | | | 377,511 | | |
ビジネス(非PPP)
|
| | | | 323,657 | | | | | | 290 | | | | | | 1,468 | | | | | | — | | | | | | 325,415 | | |
Commercial (PPP)
|
| | | | 58,615 | | | | | | — | | | | | | — | | | | | | — | | | | | | 58,615 | | |
建設と土地開発
|
| | | | 91,520 | | | | | | — | | | | | | — | | | | | | — | | | | | | 91,520 | | |
Consumer
|
| | | | 20,712 | | | | | | 83 | | | | | | — | | | | | | 654 | | | | | | 21,449 | | |
Total
|
| | | $ | 1,772,379 | | | | | $ | 373 | | | | | $ | 3,758 | | | | | $ | 654 | | | | | $ | 1,777,164 | | |
(Dollars in thousands)
|
| |
September 30,
2022 |
| |
December 31,
2021 |
| ||||||
商業土地
|
| | | $ | 5,795 | | | | | $ | 5,845 | | |
住宅不動産
|
| | | | — | | | | | | 89 | | |
Commercial
|
| | | | 200 | | | | | | 410 | | |
建設と発展
|
| | | | — | | | | | | — | | |
消費ローンと他のローン
|
| | | | — | | | | | | — | | |
帳簿金額
|
| | | $ | 5,995 | | | | | $ | 6,344 | | |
(Dollars in thousands)
|
| |
2022
|
| |
2021
|
| ||||||
1月1日残高
|
| | | | (573) | | | | | | (630) | | |
新規購入ローン
|
| | | | — | | | | | | — | | |
収入調整
|
| | | | — | | | | | | — | | |
Accretion
|
| | | | 202 | | | | | | 296 | | |
価値を増やさない差異の再分類
|
| | | | (407) | | | | | | (136) | | |
Disposals
|
| | | | 374 | | | | | | 16 | | |
9月30日残高
|
| | | $ | (404) | | | | | $ | (454) | | |
| | |
Three Months Ended September 30, 2022
|
| |||||||||||||||||||||||||||||||||
(Dollars in thousands)
|
| |
Commercial
Real Estate |
| |
Residential
Real Estate |
| |
Commercial
|
| |
Construction
and land Development |
| |
Consumer
and Other |
| |
Total
|
| ||||||||||||||||||
September 30, 2022 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
ローン損失準備: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
期初残高
|
| | | $ | 5,929 | | | | | $ | 2,966 | | | | | $ | 5,425 | | | | | $ | 677 | | | | | $ | 145 | | | | | $ | 15,142 | | |
ローン損失準備金
|
| | | | (40) | | | | | | 614 | | | | | | 545 | | | | | | 199 | | | | | | 25 | | | | | | 1,343 | | |
解約したローン
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Recoveries
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
期末手当残高合計
|
| | | $ | 5,889 | | | | | $ | 3,580 | | | | | $ | 5,970 | | | | | $ | 876 | | | | | $ | 170 | | | | | $ | 16,485 | | |
| | |
Three Months Ended September 30, 2021
|
| |||||||||||||||||||||||||||||||||
(Dollars in thousands)
|
| |
Commercial
Real Estate |
| |
Residential
Real Estate |
| |
Commercial
|
| |
Construction
and land Development |
| |
Consumer
and Other |
| |
Total
|
| ||||||||||||||||||
September 30, 2021 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
ローン損失準備: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
期初残高
|
| | | $ | 4,285 | | | | | $ | 2,269 | | | | | $ | 3,423 | | | | | $ | 361 | | | | | $ | 80 | | | | | $ | 10,418 | | |
ローン損失準備金
|
| | | | (206) | | | | | | (47) | | | | | | 674 | | | | | | (28) | | | | | | 667 | | | | | | 1,060 | | |
解約したローン
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Recoveries
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
期末手当残高合計
|
| | | $ | 4,079 | | | | | $ | 2,222 | | | | | $ | 4,097 | | | | | $ | 333 | | | | | $ | 747 | | | | | $ | 11,478 | | |
| | |
Nine Months Ended September 30, 2022
|
| |||||||||||||||||||||||||||||||||
(Dollars in thousands)
|
| |
Commercial
Real Estate |
| |
Residential
Real Estate |
| |
Commercial
|
| |
Construction
and Land Development |
| |
Consumer
and Other |
| |
Total
|
| ||||||||||||||||||
September 30, 2022 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
ローン損失準備: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
期初残高
|
| | | $ | 4,471 | | | | | $ | 2,339 | | | | | $ | 4,637 | | | | | $ | 471 | | | | | $ | 786 | | | | | $ | 12,704 | | |
ローン損失準備金
|
| | | | 1,418 | | | | | | 1,241 | | | | | | 1,333 | | | | | | 405 | | | | | | 37 | | | | | | 4,434 | | |
解約したローン
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | (653) | | | | | | (653) | | |
Recoveries
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
期末手当残高合計
|
| | | $ | 5,889 | | | | | $ | 3,580 | | | | | $ | 5,970 | | | | | $ | 876 | | | | | $ | 170 | | | | | $ | 16,485 | | |
| | |
Nine Months Ended September 30, 2021
|
| |||||||||||||||||||||||||||||||||
(Dollars in thousands)
|
| |
Commercial
Real Estate |
| |
Residential
Real Estate |
| |
Commercial
|
| |
Construction
and Land Development |
| |
Consumer
and Other |
| |
Total
|
| ||||||||||||||||||
September 30, 2021 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
ローン損失準備: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
期初残高
|
| | | $ | 3,159 | | | | | $ | 2,177 | | | | | $ | 10,462 | | | | | $ | 388 | | | | | $ | 73 | | | | | $ | 16,259 | | |
ローン損失準備金
|
| | | | 920 | | | | | | 45 | | | | | | 1,276 | | | | | | (55) | | | | | | 674 | | | | | | 2,860 | | |
解約したローン
|
| | | | — | | | | | | — | | | | | | (7,641) | | | | | | — | | | | | | — | | | | | | (7,641) | | |
Recoveries
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
期末手当残高合計
|
| | | $ | 4,079 | | | | | $ | 2,222 | | | | | $ | 4,097 | | | | | $ | 333 | | | | | $ | 747 | | | | | $ | 11,478 | | |
(Dollars in thousands)
|
| |
Commercial
Real Estate |
| |
Residential
Real Estate |
| |
Commercial
|
| |
Construction
and Land Development |
| |
Consumer
and Other |
| |
Total
|
| ||||||||||||||||||
September 30, 2022 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
ローン損失準備: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
はローンの期末準備残高
によるものである
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
欠陥状況を個別に評価する
|
| | | $ | 99 | | | | | $ | — | | | | | $ | 1,018 | | | | | $ | — | | | | | $ | — | | | | | $ | 1,117 | | |
購入したクレジット減値(PCI)ローン
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
集団評価減値
|
| | | | 5,790 | | | | | | 3,580 | | | | | | 4,952 | | | | | | 876 | | | | | | 170 | | | | | | 15,368 | | |
期末手当残高合計
|
| | | $ | 5,889 | | | | | $ | 3,580 | | | | | $ | 5,970 | | | | | $ | 876 | | | | | $ | 170 | | | | | $ | 16,485 | | |
Loans: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
減価を個別に評価するローン
|
| | | $ | 2,545 | | | | | $ | — | | | | | $ | 1,784 | | | | | $ | — | | | | | $ | — | | | | | $ | 4,329 | | |
ローンの集団評価減価
|
| | | | 994,933 | | | | | | 452,521 | | | | | | 398,559 | | | | | | 128,570 | | | | | | 25,983 | | | | | | 2,000,566 | | |
期末ローン残高合計
|
| | | $ | 997,478 | | | | | $ | 452,521 | | | | | $ | 400,343 | | | | | $ | 128,570 | | | | | $ | 25,983 | | | | | $ | 2,004,895 | | |
December 31, 2021 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
ローン損失準備: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
はローンの期末準備残高
によるものである
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
欠陥状況を個別に評価する
|
| | | $ | — | | | | | $ | — | | | | | $ | 671 | | | | | $ | — | | | | | $ | 654 | | | | | $ | 1,325 | | |
購入したクレジット減値(PCI)ローン
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
集団評価減値
|
| | | | 4,471 | | | | | | 2,339 | | | | | | 3,966 | | | | | | 471 | | | | | | 132 | | | | | | 11,379 | | |
期末手当残高合計
|
| | | $ | 4,471 | | | | | $ | 2,339 | | | | | $ | 4,637 | | | | | $ | 471 | | | | | $ | 786 | | | | | $ | 12,704 | | |
Loans: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
減価を個別に評価するローン
|
| | | $ | 2,290 | | | | | $ | — | | | | | $ | 1,468 | | | | | $ | — | | | | | $ | 654 | | | | | $ | 4,412 | | |
ローンの集団評価減価
|
| | | | 900,364 | | | | | | 377,511 | | | | | | 382,562 | | | | | | 91,520 | | | | | | 20,795 | | | | | | 1,772,752 | | |
期末ローン残高合計
|
| | | $ | 902,654 | | | | | $ | 377,511 | | | | | $ | 384,030 | | | | | $ | 91,520 | | | | | $ | 21,449 | | | | | $ | 1,777,164 | | |
| | |
September 30, 2022
|
| |
December 31, 2021
|
| ||||||||||||||||||
(Dollars in thousands)
|
| |
Ending
Balance |
| |
% of Total
|
| |
Ending
Balance |
| |
% of Total
|
| ||||||||||||
NOW accounts
|
| | | $ | 308,167 | | | | | | 14.1% | | | | | $ | 310,362 | | | | | | 13.1% | | |
通貨市場口座
|
| | | | 944,728 | | | | | | 43.2% | | | | | | 1,055,033 | | | | | | 44.5% | | |
仲買預金(1)
|
| | | | 18,407 | | | | | | 0.8% | | | | | | 58,365 | | | | | | 2.5% | | |
貯蓄口座
|
| | | | 16,966 | | | | | | 0.8% | | | | | | 12,558 | | | | | | 0.5% | | |
預金証書
|
| | | | 141,981 | | | | | | 6.5% | | | | | | 261,067 | | | | | | 11.0% | | |
有利子預金総額
|
| | | | 1,430,249 | | | | | | 65.4% | | | | | | 1,697,385 | | | | | | 71.6% | | |
無利子預金
|
| | | | 758,042 | | | | | | 34.6% | | | | | | 674,003 | | | | | | 28.4% | | |
Total deposits
|
| | | $ | 2,188,291 | | | | | | 100.0% | | | | | $ | 2,371,388 | | | | | | 100.0% | | |
(Dollars in thousands)
|
| |
Three
Months or Less |
| |
Over
Three Through Six Months |
| |
Over Six
Months Through 12 Months |
| |
Over
12 Months |
| |
Total
|
| |||||||||||||||
Time deposits of $250,000 or less
|
| | | $ | 15,108 | | | | | $ | 10,501 | | | | | $ | 21,453 | | | | | $ | 4,276 | | | | | $ | 51,338 | | |
定期預金は25万ドルを超える
|
| | | | 30,676 | | | | | | 15,605 | | | | | | 41,366 | | | | | | 6,331 | | | | | | 93,978 | | |
Total
|
| | | $ | 45,784 | | | | | $ | 26,106 | | | | | $ | 62,819 | | | | | $ | 10,607 | | | | | $ | 145,316 | | |
(Dollars in thousands)
|
| |
Three
Months or Less |
| |
Over
Three Through Six Months |
| |
Over Six
Months Through 12 Months |
| |
Over
12 Months |
| |
Total
|
| |||||||||||||||
Time deposits of $250,000 or less
|
| | | $ | 17,431 | | | | | $ | 26,721 | | | | | $ | 44,373 | | | | | $ | 4,631 | | | | | $ | 93,156 | | |
定期預金は25万ドルを超える
|
| | | | 32,058 | | | | | | 54,429 | | | | | | 83,290 | | | | | | 2,760 | | | | | | 172,537 | | |
Total
|
| | | $ | 49,489 | | | | | $ | 81,150 | | | | | $ | 127,663 | | | | | $ | 7,391 | | | | | $ | 265,693 | | |
(Dollars in thousands)
|
| |
September 30, 2022
|
| |
December 31, 2021
|
| ||||||
1 year or less
|
| | | $ | 134,709 | | | | | $ | 258,302 | | |
Over 1 through 2 years
|
| | | | 10,457 | | | | | | 6,669 | | |
Over 2 through 3 years
|
| | | | 150 | | | | | | 722 | | |
Over 3 through 4 years
|
| | | | — | | | | | | — | | |
Over 4 through 5 years
|
| | | | — | | | | | | — | | |
Over 5 years
|
| | | | — | | | | | | — | | |
Total
|
| | | $ | 145,316 | | | | | $ | 265,693 | | |
(Dollars in thousands)
|
| |
September 30,
2022 |
| |
December 31,
2021 |
| ||||||
期末未払い金額
|
| | | $ | — | | | | | $ | 35,000 | | |
期末加重平均金利
|
| | | | —% | | | | | | 2.04% | | |
期間中の最大月末残高
|
| | | $ | 35,000 | | | | | $ | 35,000 | | |
期間内の平均未返済残高
|
| | | $ | 9,121 | | | | | $ | 36,918 | | |
期間加重平均金利
|
| | | | 1.98% | | | | | | 2.01% | | |
| | | | | | | | |
Fair Value Measurements
on September 30, 2022 Using: |
| |||||||||||||||
(Dollars in thousands)
|
| |
Fair
Value |
| |
Quoted Prices in
Active Markets for Identical Assets (Level 1) |
| |
Significant
Other Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| ||||||||||||
ASSETS: | | | | | | | | | | | | | | | | | | | | | | | | | |
販売可能な証券-課税 | | | | | | | | | | | | | | | | | | | | | | | | | |
小企業管理局融資池
|
| | | $ | 31,514 | | | | | $ | — | | | | | $ | 31,514 | | | | | $ | — | | |
担保ローン支援証券
|
| | | | 114,834 | | | | | | — | | | | | | 114,834 | | | | | | — | | |
アメリカ機関の義務
|
| | | | 2,667 | | | | | | — | | | | | | 2,667 | | | | | | — | | |
社債
|
| | | | 1,502 | | | | | | — | | | | | | 1,502 | | | | | | — | | |
販売可能な証券-免税 | | | | | | | | | | | | | | | | | | | | | | | | | |
コミュニティ発展区債券
|
| | | | 24,014 | | | | | | — | | | | | | 24,014 | | | | | | — | | |
Municipals
|
| | | | 2,849 | | | | | | — | | | | | | 2,849 | | | | | | — | | |
株式証券取引-共同基金
|
| | | | 5,325 | | | | | | 5,325 | | | | | | — | | | | | | — | | |
株式証券取引所-その他
|
| | | | 857 | | | | | | 857 | | | | | | — | | | | | | — | | |
顧客デリバティブ-金利交換
|
| | | | 6,610 | | | | | | — | | | | | | 6,610 | | | | | | — | | |
LIABILITIES: | | | | | | | | | | | | | | | | | | | | | | | | | |
顧客デリバティブ-金利交換
|
| | | $ | 6,610 | | | | | $ | — | | | | | $ | 6,610 | | | | | $ | — | | |
| | | | | | | | |
Fair Value Measurements
on December 31, 2021 Using: |
| |||||||||||||||
(Dollars in thousands)
|
| |
Fair
Value |
| |
Quoted Prices in
Active Markets for Identical Assets (Level 1) |
| |
Significant
Other Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| ||||||||||||
ASSETS: | | | | | | | | | | | | | | | | | | | | | | | | | |
販売可能な証券-課税 | | | | | | | | | | | | | | | | | | | | | | | | | |
小企業管理局融資池
|
| | | $ | 39,934 | | | | | $ | — | | | | | $ | 39,934 | | | | | $ | — | | |
担保ローン支援証券
|
| | | | 130,103 | | | | | | — | | | | | | 130,103 | | | | | | — | | |
アメリカ機関の義務
|
| | | | 3,986 | | | | | | — | | | | | | 3,986 | | | | | | — | | |
社債
|
| | | | 1,513 | | | | | | — | | | | | | 1,513 | | | | | | — | | |
販売可能な証券-免税 | | | | | | | | | | | | | | | | | | | | | | | | | |
コミュニティ発展区債券
|
| | | | 17,674 | | | | | | — | | | | | | 17,674 | | | | | | — | | |
Municipals
|
| | | | 1,091 | | | | | | — | | | | | | 1,091 | | | | | | — | | |
株式証券取引-共同基金
|
| | | | 5,838 | | | | | | 5,838 | | | | | | — | | | | | | — | | |
販売待ちローン
|
| | | | 165 | | | | | | 165 | | | | | | — | | | | | | — | | |
顧客デリバティブ-金利交換
|
| | | | 1,144 | | | | | | — | | | | | | 1,144 | | | | | | — | | |
LIABILITIES: | | | | | | | | | | | | | | | | | | | | | | | | | |
顧客デリバティブ-金利交換
|
| | | $ | 1,144 | | | | | $ | — | | | | | $ | 1,144 | | | | | $ | — | | |
| | | | | | | | |
Fair Value Measurements
on September 30, 2022 Using: |
| |||||||||||||||||||||
(Dollars in thousands)
|
| |
Total at
September 30,
2022
|
| |
Quoted Prices
in Active Markets for Identical Assets (Level 1) |
| |
Significant
Other Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| |
Total Gains
(Losses) |
| |||||||||||||||
Impaired Loans: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
商業土地
|
| | | $ | 2,449 | | | | | $ | — | | | | | $ | — | | | | | $ | 2,449 | | | | | $ | (99) | | |
住宅不動産
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Commercial
|
| | | | 766 | | | | | | — | | | | | | — | | | | | | 766 | | | | | | (1,018) | | |
建設と土地開発
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
消費者とその他
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Total
|
| | | $ | 3,215 | | | | | $ | — | | | | | $ | — | | | | | $ | 3,215 | | | | | $ | (1,117) | | |
| | | | | | | | |
Fair Value Measurements
on December 31, 2021 Using: |
| |||||||||||||||||||||
(Dollars in thousands)
|
| |
Total at
December 31,
2021
|
| |
Quoted Prices
in Active Markets for Identical Assets (Level 1) |
| |
Significant
Other Observable Inputs (Level 2) |
| |
Significant
Unobservable Inputs (Level 3) |
| |
Total Gains
(Losses) |
| |||||||||||||||
Impaired Loans: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
商業土地
|
| | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | | | | $ | — | | |
住宅不動産
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
Commercial
|
| | | | 797 | | | | | | — | | | | | | — | | | | | | 797 | | | | | | (671) | | |
建設と土地開発
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
消費者とその他
|
| | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | (654) | | |
Total
|
| | | $ | 797 | | | | | $ | — | | | | | $ | — | | | | | $ | 797 | | | | | $ | (1,325) | | |
| | |
September 30, 2022
|
| ||||||||||||
(Dollars in thousands)
|
| |
Carrying
Amount |
| |
Fair
Value |
| |
Fair Value
Hierarchy |
| ||||||
Financial Assets: | | | | | | | | | | | | | | | | |
銀行からの現金と満期、有利子預金を含む
|
| | | $ | 157,504 | | | | | $ | 157,504 | | | |
Level 1
|
|
連邦基金の販売
|
| | | | 15,762 | | | | | | 15,762 | | | |
Level 1
|
|
販売可能な証券、法人税
|
| | | | 171,366 | | | | | | 150,517 | | | |
Level 2
|
|
売ることができる証券は、免税です
|
| | | | 28,491 | | | | | | 26,863 | | | |
Level 2
|
|
満期までの証券を保有する
|
| | | | 194 | | | | | | 178 | | | |
Level 2
|
|
証券、株式
|
| | | | 5,325 | | | | | | 5,325 | | | |
Level 1
|
|
証券、その他の株式
|
| | | | 857 | | | | | | 857 | | | |
Level 1
|
|
Loans, net
|
| | | | 1,988,410 | | | | | | 1,975,085 | | | |
Level 3
|
|
銀行は生命保険を持っている
|
| | | | 54,534 | | | | | | 54,534 | | | |
Level 2
|
|
顧客デリバティブ-金利交換
|
| | | | 6,610 | | | | | | 6,610 | | | |
Level 2
|
|
受取利息
|
| | | | 5,909 | | | | | | 5,909 | | | |
Level 1, 2 & 3
|
|
Financial Liabilities: | | | | | | | | | | | | | | | | |
Deposits
|
| | | $ | 2,188,291 | | | | | $ | 2,006,303 | | | |
Level 2
|
|
二次債務
|
| | | | 24,467 | | | | | | 24,467 | | | |
Level 2
|
|
顧客デリバティブ-金利交換
|
| | | | 6,610 | | | | | | 6,610 | | | |
Level 2
|
|
支払利息
|
| | | | 252 | | | | | | 252 | | | |
Level 2
|
|
| | |
December 31, 2021
|
| ||||||||||||
(Dollars in thousands)
|
| |
Carrying
Amount |
| |
Fair
Value |
| |
Fair Value
Hierarchy |
| ||||||
Financial Assets: | | | | | | | | | | | | | | | | |
銀行からの現金と満期、有利子預金を含む
|
| | | $ | 583,990 | | | | | $ | 583,990 | | | |
Level 1
|
|
連邦基金の販売
|
| | | | 13,477 | | | | | | 13,477 | | | |
Level 1
|
|
販売可能な証券、法人税
|
| | | | 177,080 | | | | | | 175,536 | | | |
Level 2
|
|
売ることができる証券は、免税です
|
| | | | 18,214 | | | | | | 18,765 | | | |
Level 2
|
|
満期までの証券を保有する
|
| | | | 236 | | | | | | 242 | | | |
Level 2
|
|
証券、株式
|
| | | | 5,838 | | | | | | 5,838 | | | |
Level 1
|
|
証券、その他の株式
|
| | | | 800 | | | | | | 800 | | | |
Level 1
|
|
Loans, net
|
| | | | 1,764,460 | | | | | | 1,779,968 | | | |
Level 3
|
|
販売待ちローン
|
| | | | 165 | | | | | | 165 | | | |
Level 1
|
|
銀行は生命保険を持っている
|
| | | | 38,485 | | | | | | 38,485 | | | |
Level 2
|
|
顧客デリバティブ-金利交換
|
| | | | 1,144 | | | | | | 1,144 | | | |
Level 2
|
|
受取利息
|
| | | | 5,272 | | | | | | 5,272 | | | |
Level 1, 2 & 3
|
|
Financial Liabilities: | | | | | | | | | | | | | | | | |
Deposits
|
| | | $ | 2,371,388 | | | | | $ | 2,372,372 | | | |
Level 2
|
|
連邦住宅ローン銀行の前払い
|
| | | | 35,000 | | | | | | 34,274 | | | |
Level 2
|
|
Line of credit
|
| | | | 10,000 | | | | | | 10,000 | | | |
Level 2
|
|
お客様のデリバティブiii-金利交換
|
| | | | 1,144 | | | | | | 1,144 | | | |
Level 2
|
|
支払利息
|
| | | | 263 | | | | | | 263 | | | |
Level 2
|
|
(Dollars in thousands)
|
| |
September 30,
2022 |
| |
December 31,
2021 |
| ||||||
利用可能なクレジット限度額
|
| | | $ | 529,519 | | | | | $ | 415,402 | | |
資金のない融資約束-固定
|
| | | | 70,375 | | | | | | 62,126 | | |
資金ローンの約束なし-変数
|
| | | | 22,903 | | | | | | 46,698 | | |
予備信用状
|
| | | | 10,972 | | | | | | 12,095 | | |
商業信用状
|
| | | | 394 | | | | | | 2,765 | | |
信用延期約束総額
|
| | | $ | 634,163 | | | | | $ | 539,086 | | |
| | |
Actual
|
| |
Required for
Capital Adequacy Purposes |
| |
Well Capitalized
Prompt Corrective Action Regulations |
| |||||||||||||||||||||||||||
(Dollars in thousands)
|
| |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| ||||||||||||||||||
September 30, 2022 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Total Capital ratio
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Bank
|
| | | $ | 257,261 | | | | | | 12.5% | | | | | $ | 164,087 | | | | | | 8.0% | | | | | $ | 205,109 | | | | | | 10.0% | | |
Company
|
| | | | 271,324 | | | | | | 13.2% | | | | | | 164,087 | | | | | | 8.0% | | | | | | 適用されない | | | | | | 適用されない | | |
Tier 1 Capital ratio
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Bank
|
| | | | 239,468 | | | | | | 11.7% | | | | | | 123,066 | | | | | | 6.0% | | | | | | 164,087 | | | | | | 8.0% | | |
Company
|
| | | | 229,064 | | | | | | 11.1% | | | | | | 123,066 | | | | | | 6.0% | | | | | | 適用されない | | | | | | 適用されない | | |
Tier 1 Leverage ratio
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Bank
|
| | | | 239,468 | | | | | | 9.6% | | | | | | 99,364 | | | | | | 4.0% | | | | | | 124,205 | | | | | | 5.0% | | |
Company
|
| | | | 229,064 | | | | | | 9.2% | | | | | | 99,364 | | | | | | 4.0% | | | | | | 適用されない | | | | | | 適用されない | | |
Common Equity Tier 1
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Bank
|
| | | | 239,468 | | | | | | 11.7% | | | | | | 92,299 | | | | | | 4.5% | | | | | | 133,321 | | | | | | 6.5% | | |
Company
|
| | | | 229,064 | | | | | | 11.1% | | | | | | 92,299 | | | | | | 4.5% | | | | | | 適用されない | | | | | | 適用されない | | |
December 31, 2021 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Total Capital ratio
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Bank
|
| | | $ | 222,696 | | | | | | 12.9% | | | | | $ | 138,435 | | | | | | 8.0% | | | | | $ | 173,043 | | | | | | 10.0% | | |
Company
|
| | | | 220,206 | | | | | | 12.7% | | | | | | 138,435 | | | | | | 8.0% | | | | | | 適用されない | | | | | | 適用されない | | |
Tier 1 Capital ratio
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Bank
|
| | | | 208,997 | | | | | | 12.1% | | | | | | 103,826 | | | | | | 6.0% | | | | | | 138,435 | | | | | | 8.0% | | |
Company
|
| | | | 206,507 | | | | | | 11.9% | | | | | | 103,826 | | | | | | 6.0% | | | | | | 適用されない | | | | | | 適用されない | | |
| | |
Actual
|
| |
Required for
Capital Adequacy Purposes |
| |
Well Capitalized
Prompt Corrective Action Regulations |
| |||||||||||||||||||||||||||
(Dollars in thousands)
|
| |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| |
Amount
|
| |
Ratio
|
| ||||||||||||||||||
Tier 1 Leverage ratio
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Bank
|
| | | | 208,997 | | | | | | 7.7% | | | | | | 107,877 | | | | | | 4.0% | | | | | | 134,846 | | | | | | 5.0% | | |
Company
|
| | | | 206,507 | | | | | | 7.7% | | | | | | 107,877 | | | | | | 4.0% | | | | | | 適用されない | | | | | | 適用されない | | |
Common Equity Tier 1
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Bank
|
| | | | 208,997 | | | | | | 12.1% | | | | | | 77,869 | | | | | | 4.5% | | | | | | 112,478 | | | | | | 6.5% | | |
Company
|
| | | | 206,507 | | | | | | 11.9% | | | | | | 77,869 | | | | | | 4.5% | | | | | | 適用されない | | | | | | 適用されない | | |
| Exhibit 2.1 | | | — | | | フロリダ海岸銀行会社、海岸国立銀行、専門持ち株会社と専門銀行との合併協定と計画は、日付は2022年8月7日(依頼書/募集説明書の付録Aとして添付)。 | |
| | | | | | | プロトコルと統合計画のいくつかの展示品とスケジュールは省略されている。このような展示品とスケジュールは のプロトコルと計画で説明した | |
| | | | | | | 統合.フロリダ海岸銀行会社は、アメリカ証券取引委員会の要求に応じて、任意またはすべてのこのような漏れた証拠品とスケジュールを提供することに同意します。 | |
| Exhibit 3.1.1 | | | — | | |
改正と再改訂の定款(2006年5月10日に提出されたSeaco‘s 10-Q四半期報告書の添付ファイル3.1を引用)
|
|
| Exhibit 3.1.2 | | | — | | |
改正と再制定された会社定款改正案(2008年12月23日に提出された“海岸会社表格8-K”添付ファイル3.1を参考に本明細書に組み込む)
|
|
| Exhibit 3.1.3 | | | — | | |
“改正と再制定された定款改正案”(2009年6月22日に提出された“海岸会社S-1表”添付ファイル3.4を参考に本明細書に組み込む)
|
|
| Exhibit 3.1.4 | | | — | | |
“改正と再制定された会社定款改正案”(本稿は、2009年7月20日に提出された“海岸会社8-K表”添付ファイル3.1を引用)
|
|
| Exhibit 3.1.5 | | | — | | |
改正と再制定された会社定款改正案(本稿は、2009年12月3日に提出されたSeCoastForm 8-K表の添付ファイル3.1を引用)
|
|
| Exhibit 3.1.6 | | | — | | |
“改訂·改訂された定款改正案”(2010年7月14日に提出された“海岸会社8-K/A表”添付ファイル3.1を引用)
|
|
| Exhibit 3.1.7 | | | — | | |
改正と再制定された会社定款改正案(2010年6月25日に提出されたSeCoastForm 8-K表の添付ファイル3.1からこれを参照して合併)
|
|
| Exhibit 3.1.8 | | | — | | |
“改正·再制定された定款改正案”(2011年6月1日に提出された“海岸会社表格8-K”添付ファイル3.1を参考に本明細書に組み込む)
|
|
| Exhibit 3.1.9 | | | — | | |
“改正と再制定された定款改正案”(2013年12月13日に提出されたSeCoastForm 8-K表の添付ファイル3.1を引用します)
|
|
| Exhibit 3.1.10 | | | — | | |
改訂後と再発行された定款改正案(2018年5月30日に提出されたSeCoastForm 8-K表の添付ファイル3.1を引用します。
|
|
| Exhibit 3.2 | | | — | | |
会社規約の改訂と見直し(本文は2020年10月26日に提出された“海岸会社8-K表”添付ファイル3.1を引用)
|
|
| Exhibit 4.1 | | | — | | |
普通株式証明書サンプル(2020年10月26日に提出されたSeCoastForm 8-Kの添付ファイル3.1参照).
|
|
| Exhibit 5.1 | | | — | | |
Legal Opinion of Alston & Bird, LLP.*
|
|
| Exhibit 8.1 | | | — | | |
Tax Opinion of Alston & Bird, LLP.
|
|
| Exhibit 21.1 | | | — | | |
登録者の子会社(ここでは2022年2月28日に提出した添付ファイル21海岸会社の10-K表を参照)
|
|
| Exhibit 23.1 | | | — | | |
Alston&Bird同意(添付ファイル5.1で引用された意見に含まれています)。*
|
|
| Exhibit 23.2 | | | — | | |
Consent of Crowe LLP (Seacoast).
|
|
| Exhibit 23.3 | | | — | | |
安永法律事務所(専門)の同意を得た。
|
|
| Exhibit 23.4 | | | — | | |
Crowe LLP(専門)同意します。
|
|
| Exhibit 24 | | | — | | |
授権書。*
|
|
| Exhibit 99.1 | | | — | | | 専門持株会社特別株主総会で使用されている依頼書。 | |
| Exhibit 99.2 | | | | | |
Consent of Piper Sandler & Co.
|
|
| Exhibit 99.3 | | | — | | |
Consent of Stephens Inc.
|
|
|
Signature
|
| |
Title
|
| |
Date
|
| |||
|
/s/ Charles M. Shaffer
Charles M. Shaffer
|
| |
会長兼CEO
(CEO) |
| |
November 10, 2022
|
| |||
|
/s/ Tracey L. Dexter
Tracey L. Dexter
|
| |
常務副総裁と
Chief Financial Officer (首席財務会計官) |
| |
November 10, 2022
|
| |||
|
*
Dennis J. Arczynski
|
| | Director | | |
November 10, 2022
|
| |||
|
*
Jacqueline L. Bradley
|
| | Director | | |
November 10, 2022
|
| |||
|
*
H. Gilbert Culbreth, Jr.
|
| | Director | | |
November 10, 2022
|
| |||
|
*
Julie H. Daum
|
| | Director | | |
November 10, 2022
|
| |||
|
*
Christopher E. Fogal
|
| | Director | | |
November 10, 2022
|
| |||
|
*
Maryann Goebel
|
| | Director | | |
November 10, 2022
|
| |||
|
*
Dennis S. Hudson, III
|
| | Director | | |
November 10, 2022
|
|
|
Signature
|
| |
Title
|
| |
Date
|
| |||
|
*
Robert J. Lipstein
|
| | Director | | |
November 10, 2022
|
| |||
|
*
Alvaro J. Monserrat
|
| | Director | | |
November 10, 2022
|
| |||
|
*
Thomas E. Rossin
|
| | Director | | |
November 10, 2022
|
| |||
|
*By:
|
| |
/s/ Charles M. Shaffer
Charles M. Shaffer
Attorney-in-fact |
| | | | | | |