立即釋放 |
有關詳細信息,請訪問: 米歇爾·S·希考克斯,執行副總裁兼首席財務官325.627.7155
|
First Financial BankShares宣佈2022年第四季度收益
以及連續第36年實現年度收益增長
亞洲網得克薩斯州阿比林1月19日電第一金融銀行股份有限公司(下稱“公司”、“我們”、“我們”或“我們”)(納斯達克:FIN)今天公佈,2022年第四季度收益為5,867萬美元,而去年同期為5,534萬美元。2022年第四季度,基本和稀釋後每股收益為0.41美元,而去年同期為0.39美元。
截至2022年12月31日的年度收益總額為2.3448億美元,而截至2021年12月31日的年度收益為2.2756億美元,增長691萬美元,增幅3.04%。截至2022年12月31日的年度,基本每股收益和稀釋後每股收益為1.64美元,而截至2021年12月31日的年度,基本和稀釋後每股收益分別為1.60美元和1.59美元。與截至2021年12月31日的年度相比,截至2022年12月31日止年度的盈利包括(I)淨利息收入增加3,105萬美元,其中包括購買力平價貸款發放費及利息收入較上年減少2,490萬美元;(Ii)信貸損失撥備增加1,857萬美元;(Iii)按揭收入減少1,421萬美元;(Iv)借記卡收入減少563萬美元及(V)利潤分享開支減少590萬美元。
我們對我們的季度和年度業績都感到非常滿意,這是我們連續第36年實現年度收益增長。截至2022年,不包括購買力平價和待售貸款在內的貸款增長11.1億美元,存款增長4.3902億美元,主要是由於全年新增淨賬户超過10,500個。在第四季度,我們能夠利用較長部分的較低利率,以較低的收益率出售2.7383億美元的證券,並將這些美元重新部署到我們的較高收益貸款組合中,“第一金融銀行股份有限公司董事長、總裁兼首席執行官F.Scott Dueser説。由於我們董事會、管理人員和員工的辛勤工作和奉獻精神,我們能夠克服2022年的一些重大不利因素,包括購買力平價、抵押貸款和借記卡收入的下降以及撥備費用的增加。鑑於美聯儲繼續加息,我們將繼續關注貸款和存款定價,以更好地與我們的競爭環境保持一致。進入2023年,我們將繼續專注於服務我們的客户並提供堅實的結果,同時積極管理當前利率、監管和經濟環境的影響。我們感謝我們的客户、股東和同事的持續支持。“迪澤補充説。
2022年第四季度的淨利息收入為1.0404億美元,而2021年第四季度的淨利息收入為9481萬美元。在應税等值基礎上,2022年第四季度的淨息差為3.36%,而2022年第三季度和2021年第四季度的淨息差分別為3.32%和3.29%。淨利息收入的增長是由平均利息資產增加推動的,與去年同期的118.9億美元相比,2022年第四季度的平均利息資產增加到123.2億美元,但部分被購買力平價貸款發放費和利息收入的下降所抵消,2022年第四季度的總利息收入為1.6萬美元,而2021年第四季度為457萬美元。截至2022年12月31日,PPP貸款餘額總計16.9萬美元,而2021年12月31日為5279萬美元。
該公司在2022年第四季度記錄了408萬美元的信貸損失準備金,而2021年第四季度的信貸損失準備金為206萬美元。公司在2022年第四季度的信貸損失撥備繼續受到強勁的有機貸款增長、無資金承諾的增加以及預測的經濟預測指標略有下降的推動。截至2022年12月31日,信貸損失撥備總額為7,583萬美元,佔投資貸款(“貸款”)的1.18%,而2021年12月31日為6,347萬美元,佔貸款的1.18%。此外,截至2022年12月31日,無資金承諾準備金總額為1232萬美元,而2021年12月31日為644萬美元,原因是無資金承諾增加,以及公司建設和開發投資組合的預測經濟預測下降。
2022年第四季度,淨沖銷總額為905000美元,而2021年第四季度淨沖銷為228萬美元。截至2022年12月31日,不良資產佔貸款和止贖資產的百分比為0.38%,而2021年12月31日為0.63%。截至2022年12月31日,分類貸款總額為1.507億美元,而截至2021年12月31日,分類貸款總額為1.611億美元。
2022年第四季度的非利息收入為2852萬美元,而2021年第四季度為3490萬美元,原因如下:
2022年第四季度的非利息支出總額為5778萬美元,而2021年第四季度為6167萬美元,原因如下:
在截至2022年12月31日的一年中,公司的效率比率提高到43.30%,而在截至2021年12月31日的一年中,效率比率為45.84%。
截至2022年12月31日,公司的綜合資產總額為129.7億美元,而截至2021年12月31日的合併資產為131億美元。截至2022年12月31日,貸款總額為64.4億美元,而2021年12月31日的貸款總額為53.9億美元。不包括購買力平價和待售貸款,貸款增加了1.8641億美元,2022年第四季度增長了11.82%,與2021年12月31日的餘額相比增加了11.1億美元,增長了20.72%。截至2022年12月31日,存款總額為110.1億美元,而2021年12月31日為105.7億美元。
2022年第四季度,該公司出售了2.7383億美元的可供出售證券,平均賬面收益率為3.16%。出售這些證券的收益主要用於為本季度的有機貸款增長提供資金。截至2022年12月31日,證券投資組合的現金流預計在未來12個月為5.4028億美元。
截至2022年12月31日,股東權益為12.7億美元,而2021年12月31日為17.6億美元,這是由於去年利率上升導致其他全面收益(OCI)發生變化的結果。截至2022年12月31日,可供出售投資證券組合的未實現虧損總額為5.3523億美元,而截至2022年9月30日的未實現虧損為6.3242億美元,截至2021年12月31日的未實現收益為9925萬美元。
第一金融銀行股份有限公司簡介
First Financial BankShares,Inc.總部設在得克薩斯州阿比林,是一家金融控股公司,通過其子公司First Financial Bank,N.A.在得克薩斯州經營着79個銀行地區,包括Abilene、Acton、Albany、Aledo、Alvarado、Beaumont、Boyd、Bridgeport、Brock、Bryan、Burleson、College Station、Cisco、Cleburne、Clyde、Conroe、Cut and Shoot、Decatur、Eastland、El Campo、Fort Worth、Fulshale、Glen Rose、Kranbury、Grapevine、Hereford、Huntsville、Keller、Kingwood、Lumberton、Magnolia、Magiceville、Merkel、Midlothian、Mintual Wells、Oomgery、Moran、New Wavly、Eastland、El Campo、Fort Worth、Fulsher、Glen Rose、Kranbury、Kingwood、Lumberton、Maurnolia、Magiceville、Merkel、Midlothian、Mintual Wells、帕拉西奧斯、亞瑟港、遊俠、新星、羅比、聖安吉洛、南湖、斯蒂芬維爾、甜水、湯博爾、特倫特、獎盃俱樂部、維多、瓦哈奇、韋瑟福德、威利斯和柳樹公園。該公司還經營着北卡羅來納州的First Financial Trust&Asset Management Company和First Technology Services,Inc.,First Technology Services,Inc.是一家技術運營公司。
該公司在納斯達克全球精選市場上市,交易代碼為FIN。欲瞭解有關第一金融的更多信息,請訪問我們的網站Https://www.ffin.com.
####
本文中包含的某些陳述可被視為1995年私人證券訴訟改革法中定義的“前瞻性陳述”。這些陳述是基於公司管理層的信念以及在公司管理層目前掌握的信息之外所作的假設,可能但不一定是通過諸如“預期”、“計劃”、“預期”、“目標”、“預測”和“目標”等詞語來確定的。由於此類“前瞻性陳述”受風險和不確定因素的影響,實際結果可能與此類前瞻性陳述所表達或暗示的結果大不相同。可能導致實際結果與公司預期大相徑庭的因素包括:來自其他金融機構和金融控股公司的競爭;貿易、貨幣和財政政策和法律的影響和變化,包括聯邦儲備委員會的利率政策;石油和天然氣價格以及疫情的經濟影響;貸款需求的變化;抵押品和貸款儲備價值的波動;通貨膨脹、利率、市場和貨幣波動;消費者支出、借貸和儲蓄習慣的變化;以及被收購企業的收購和整合,以及類似的變數。其他主要風險在公司提交給證券和
可在本公司網站上的“投資者關係-文件和備案”項下,或致函或致電325.627.7155向本公司索取。除本新聞公告中另有説明外,公司不承擔任何因新信息、未來事件或其他原因而公開更新或修改任何前瞻性陳述的義務。
第一金融銀行股份有限公司
綜合財務摘要(未經審計)
(以千為單位,不包括每股和每股數據)
|
自.起 |
||||||||||||||||||||||||
|
|
2022 |
|
|
|
2021 |
|
|
|||||||||||||||||
資產 |
|
Dec. 31, |
|
|
|
9月30歲, |
|
|
|
6月30日, |
|
|
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|||||
現金和銀行到期款項 |
$ |
|
293,286 |
|
|
$ |
|
227,298 |
|
|
$ |
|
242,665 |
|
|
$ |
|
203,187 |
|
|
$ |
|
205,053 |
|
|
銀行有息活期存款 |
|
|
37,392 |
|
|
|
|
138,484 |
|
|
|
|
222,899 |
|
|
|
|
394,566 |
|
|
|
|
323,535 |
|
|
投資證券 |
|
|
5,474,359 |
|
|
|
|
5,745,443 |
|
|
|
|
6,215,036 |
|
|
|
|
6,502,495 |
|
|
|
|
6,573,179 |
|
|
持有用於投資的貸款,不包括購買力平價貸款 |
|
|
6,441,699 |
|
|
|
|
6,255,286 |
|
|
|
|
5,876,281 |
|
|
|
|
5,550,430 |
|
|
|
|
5,336,179 |
|
|
購買力平價貸款 |
|
|
169 |
|
|
|
|
202 |
|
|
|
|
2,301 |
|
|
|
|
15,739 |
|
|
|
|
52,793 |
|
|
為投資而持有的貸款總額 |
|
|
6,441,868 |
|
|
|
|
6,255,488 |
|
|
|
|
5,878,582 |
|
|
|
|
5,566,169 |
|
|
|
|
5,388,972 |
|
|
信貸損失準備 |
|
|
(75,834 |
) |
|
|
|
(74,108 |
) |
|
|
|
(71,932 |
) |
|
|
|
(66,913 |
) |
|
|
|
(63,465 |
) |
|
為投資而持有的淨貸款 |
|
|
6,366,034 |
|
|
|
|
6,181,380 |
|
|
|
|
5,806,650 |
|
|
|
|
5,499,256 |
|
|
|
|
5,325,507 |
|
|
持有待售貸款 |
|
|
11,965 |
|
|
|
|
18,815 |
|
|
|
|
26,445 |
|
|
|
|
27,670 |
|
|
|
|
37,810 |
|
|
房舍和設備,淨額 |
|
|
152,973 |
|
|
|
|
152,646 |
|
|
|
|
149,280 |
|
|
|
|
150,168 |
|
|
|
|
149,764 |
|
|
商譽 |
|
|
313,481 |
|
|
|
|
313,481 |
|
|
|
|
313,481 |
|
|
|
|
313,481 |
|
|
|
|
313,481 |
|
|
其他無形資產 |
|
|
2,053 |
|
|
|
|
2,352 |
|
|
|
|
2,658 |
|
|
|
|
2,978 |
|
|
|
|
3,298 |
|
|
其他資產 |
|
|
322,523 |
|
|
|
|
330,445 |
|
|
|
|
281,098 |
|
|
|
|
220,399 |
|
|
|
|
170,834 |
|
|
總資產 |
$ |
|
12,974,066 |
|
|
$ |
|
13,110,344 |
|
|
$ |
|
13,260,212 |
|
|
$ |
|
13,314,200 |
|
|
$ |
|
13,102,461 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
負債和股東權益 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
無息存款 |
$ |
|
4,061,788 |
|
|
$ |
|
4,200,792 |
|
|
$ |
|
4,104,034 |
|
|
$ |
|
3,978,724 |
|
|
$ |
|
3,780,230 |
|
|
計息存款 |
|
|
6,943,719 |
|
|
|
|
6,941,326 |
|
|
|
|
7,018,949 |
|
|
|
|
7,021,101 |
|
|
|
|
6,786,258 |
|
|
總存款 |
|
|
11,005,507 |
|
|
|
|
11,142,118 |
|
|
|
|
11,122,983 |
|
|
|
|
10,999,825 |
|
|
|
|
10,566,488 |
|
|
借款 |
|
|
642,507 |
|
|
|
|
774,581 |
|
|
|
|
768,364 |
|
|
|
|
758,595 |
|
|
|
|
671,152 |
|
|
其他負債 |
|
|
60,315 |
|
|
|
|
61,030 |
|
|
|
|
39,847 |
|
|
|
|
67,031 |
|
|
|
|
105,597 |
|
|
股東權益 |
|
|
1,265,737 |
|
|
|
|
1,132,615 |
|
|
|
|
1,329,018 |
|
|
|
|
1,488,749 |
|
|
|
|
1,759,224 |
|
|
總負債和股東權益 |
$ |
|
12,974,066 |
|
|
$ |
|
13,110,344 |
|
|
$ |
|
13,260,212 |
|
|
$ |
|
13,314,200 |
|
|
$ |
|
13,102,461 |
|
|
|
截至的季度 |
||||||||||||||||||||||||
|
|
2022 |
|
|
|
2021 |
|
|
|||||||||||||||||
損益表 |
|
Dec. 31, |
|
|
|
9月30歲, |
|
|
|
6月30日, |
|
|
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|||||
利息收入 |
$ |
|
121,137 |
|
|
$ |
|
112,728 |
|
|
$ |
|
101,981 |
|
|
$ |
|
97,009 |
|
|
$ |
|
95,995 |
|
|
利息支出 |
|
|
17,100 |
|
|
|
|
9,572 |
|
|
|
|
3,199 |
|
|
|
|
1,570 |
|
|
|
|
1,187 |
|
|
淨利息收入 |
|
|
104,037 |
|
|
|
|
103,156 |
|
|
|
|
98,782 |
|
|
|
|
95,439 |
|
|
|
|
94,808 |
|
|
信貸損失準備金 |
|
|
4,075 |
|
|
|
|
3,221 |
|
|
|
|
5,350 |
|
|
|
|
4,782 |
|
|
|
|
2,064 |
|
|
扣除信貸損失準備後的淨利息收入 |
|
|
99,962 |
|
|
|
|
99,935 |
|
|
|
|
93,432 |
|
|
|
|
90,657 |
|
|
|
|
92,744 |
|
|
非利息收入 |
|
|
28,524 |
|
|
|
|
30,943 |
|
|
|
|
37,317 |
|
|
|
|
34,881 |
|
|
|
|
34,903 |
|
|
非利息支出 |
|
|
57,778 |
|
|
|
|
59,442 |
|
|
|
|
58,333 |
|
|
|
|
59,225 |
|
|
|
|
61,672 |
|
|
所得税前淨收益 |
|
|
70,708 |
|
|
|
|
71,436 |
|
|
|
|
72,416 |
|
|
|
|
66,313 |
|
|
|
|
65,975 |
|
|
所得税費用 |
|
|
12,040 |
|
|
|
|
12,095 |
|
|
|
|
11,922 |
|
|
|
|
10,341 |
|
|
|
|
10,638 |
|
|
淨收入 |
$ |
|
58,668 |
|
|
$ |
|
59,341 |
|
|
$ |
|
60,494 |
|
|
$ |
|
55,972 |
|
|
$ |
|
55,337 |
|
|
每普通股數據 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
淨收入--基本收入 |
$ |
|
0.41 |
|
|
$ |
|
0.42 |
|
|
$ |
|
0.42 |
|
|
$ |
|
0.39 |
|
|
$ |
|
0.39 |
|
|
淨收益--攤薄 |
|
|
0.41 |
|
|
|
|
0.41 |
|
|
|
|
0.42 |
|
|
|
|
0.39 |
|
|
|
|
0.39 |
|
|
宣佈的現金股利 |
|
|
0.17 |
|
|
|
|
0.17 |
|
|
|
|
0.17 |
|
|
|
|
0.15 |
|
|
|
|
0.15 |
|
|
賬面價值 |
|
|
8.87 |
|
|
|
|
7.94 |
|
|
|
|
9.32 |
|
|
|
|
10.43 |
|
|
|
|
12.34 |
|
|
有形賬面價值 |
|
|
6.66 |
|
|
|
|
5.73 |
|
|
|
|
7.10 |
|
|
|
|
8.21 |
|
|
|
|
10.12 |
|
|
市場價值 |
|
|
34.40 |
|
|
|
|
41.83 |
|
|
|
|
39.27 |
|
|
|
|
44.12 |
|
|
|
|
50.84 |
|
|
流通股--期末 |
|
|
142,657,871 |
|
|
|
|
142,628,163 |
|
|
|
|
142,586,601 |
|
|
|
|
142,704,495 |
|
|
|
|
142,532,116 |
|
|
平均流通股-基本 |
|
|
142,619,632 |
|
|
|
|
142,524,500 |
|
|
|
|
142,682,251 |
|
|
|
|
142,558,743 |
|
|
|
|
142,437,804 |
|
|
平均流通股--稀釋後 |
|
|
143,071,538 |
|
|
|
|
143,126,088 |
|
|
|
|
143,238,669 |
|
|
|
|
143,302,063 |
|
|
|
|
143,251,521 |
|
|
績效比率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
平均資產回報率 |
|
|
1.76 |
|
% |
|
|
1.76 |
|
% |
|
|
1.82 |
|
% |
|
|
1.71 |
|
% |
|
|
1.74 |
|
% |
平均股本回報率 |
|
|
19.87 |
|
|
|
|
17.31 |
|
|
|
|
17.26 |
|
|
|
|
13.53 |
|
|
|
|
12.63 |
|
|
平均有形權益回報率 |
|
|
27.20 |
|
|
|
|
22.55 |
|
|
|
|
22.27 |
|
|
|
|
16.68 |
|
|
|
|
15.45 |
|
|
淨息差(税額等值) |
|
|
3.36 |
|
|
|
|
3.32 |
|
|
|
|
3.28 |
|
|
|
|
3.22 |
|
|
|
|
3.29 |
|
|
效率比 |
|
|
43.52 |
|
|
|
|
43.76 |
|
|
|
|
41.83 |
|
|
|
|
44.16 |
|
|
|
|
46.18 |
|
|
第一金融銀行股份有限公司
綜合財務摘要(未經審計)
(以千為單位,不包括每股和每股數據)
|
截至的年度 |
|
|
|||||||
|
Dec. 31, |
|
|
|||||||
損益表 |
|
2022 |
|
|
|
2021 |
|
|
||
利息收入 |
$ |
|
432,854 |
|
|
$ |
|
376,405 |
|
|
利息支出 |
|
|
31,440 |
|
|
|
|
6,042 |
|
|
淨利息收入 |
|
|
401,414 |
|
|
|
|
370,363 |
|
|
信貸損失準備金 |
|
|
17,427 |
|
|
|
|
(1,139 |
) |
|
扣除信貸損失準備後的淨利息收入 |
|
|
383,987 |
|
|
|
|
371,502 |
|
|
非利息收入 |
|
|
131,665 |
|
|
|
|
142,176 |
|
|
非利息支出 |
|
|
234,778 |
|
|
|
|
241,708 |
|
|
所得税前淨收益 |
|
|
280,874 |
|
|
|
|
271,970 |
|
|
所得税費用 |
|
|
46,399 |
|
|
|
|
44,408 |
|
|
淨收入 |
$ |
|
234,475 |
|
|
$ |
|
227,562 |
|
|
|
|
|
|
|
|
|
|
|
||
每普通股數據 |
|
|
|
|
|
|
|
|
||
淨收入--基本收入 |
$ |
|
1.64 |
|
|
$ |
|
1.60 |
|
|
淨收益--攤薄 |
|
|
1.64 |
|
|
|
|
1.59 |
|
|
宣佈的現金股利 |
|
|
0.66 |
|
|
|
|
0.58 |
|
|
賬面價值 |
|
|
8.87 |
|
|
|
|
12.34 |
|
|
有形賬面價值 |
|
|
6.66 |
|
|
|
|
10.12 |
|
|
市場價值 |
$ |
|
34.40 |
|
|
$ |
|
50.84 |
|
|
流通股--期末 |
|
|
142,657,871 |
|
|
|
|
142,532,116 |
|
|
平均流通股-基本 |
|
|
142,596,252 |
|
|
|
|
142,291,939 |
|
|
平均流通股--稀釋後 |
|
|
143,207,899 |
|
|
|
|
143,134,220 |
|
|
|
|
|
|
|
|
|
|
|
||
績效比率 |
|
|
|
|
|
|
|
|
||
平均資產回報率 |
|
|
1.76 |
|
% |
|
|
1.89 |
|
% |
平均股本回報率 |
|
|
16.72 |
|
|
|
|
13.31 |
|
|
平均有形權益回報率 |
|
|
21.59 |
|
|
|
|
16.35 |
|
|
淨息差(税額等值) |
|
|
3.29 |
|
|
|
|
3.40 |
|
|
效率比 |
|
|
43.30 |
|
|
|
|
45.84 |
|
|
第一金融銀行股份有限公司
選定的財務數據(未經審計)
(單位:千)
|
截至的季度 |
||||||||||||||||||||||||
|
2022 |
|
|
|
2021 |
|
|
||||||||||||||||||
貸款損失準備 |
|
Dec. 31, |
|
|
|
9月30歲, |
|
|
|
6月30日, |
|
|
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|||||
期初餘額 |
$ |
|
74,108 |
|
|
$ |
|
71,932 |
|
|
$ |
|
66,913 |
|
|
$ |
|
63,465 |
|
|
$ |
|
63,370 |
|
|
貸款已註銷 |
|
|
(1,225 |
) |
|
|
|
(293 |
) |
|
|
|
(275 |
) |
|
|
|
(659 |
) |
|
|
|
(3,067 |
) |
|
貸款回收 |
|
|
320 |
|
|
|
|
1,409 |
|
|
|
|
1,191 |
|
|
|
|
360 |
|
|
|
|
783 |
|
|
淨回收(沖銷) |
|
|
(905 |
) |
|
|
|
1,116 |
|
|
|
|
916 |
|
|
|
|
(299 |
) |
|
|
|
(2,284 |
) |
|
貸款損失準備金 |
|
|
2,631 |
|
|
|
|
1,060 |
|
|
|
|
4,103 |
|
|
|
|
3,747 |
|
|
|
|
2,379 |
|
|
期末餘額 |
$ |
|
75,834 |
|
|
$ |
|
74,108 |
|
|
$ |
|
71,932 |
|
|
$ |
|
66,913 |
|
|
$ |
|
63,465 |
|
|
對未籌措資金的承付款項的撥備 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
期初餘額 |
$ |
|
10,879 |
|
|
$ |
|
8,718 |
|
|
$ |
|
7,471 |
|
|
$ |
|
6,436 |
|
|
$ |
|
6,751 |
|
|
為未籌措資金的承付款項編列的準備金 |
|
|
1,444 |
|
|
|
|
2,161 |
|
|
|
|
1,247 |
|
|
|
|
1,035 |
|
|
|
|
(315 |
) |
|
期末餘額 |
$ |
|
12,323 |
|
|
$ |
|
10,879 |
|
|
$ |
|
8,718 |
|
|
$ |
|
7,471 |
|
|
$ |
|
6,436 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
貸款損失準備/ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
投資持有的期末貸款 |
|
|
1.18 |
|
% |
|
|
1.18 |
|
% |
|
|
1.22 |
|
% |
|
|
1.20 |
|
% |
|
|
1.18 |
|
% |
貸款損失準備/ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
不良貸款 |
|
|
311.75 |
|
|
|
|
301.02 |
|
|
|
|
281.90 |
|
|
|
|
232.71 |
|
|
|
|
200.33 |
|
|
淨沖銷(收回)/平均貸款總額 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
(按年計算) |
|
|
0.06 |
|
|
|
|
(0.07 |
) |
|
|
|
(0.06 |
) |
|
|
|
0.02 |
|
|
|
|
0.17 |
|
|
|
截至的季度 |
||||||||||||||||||||||||
|
2022 |
|
|
|
2021 |
|
|
||||||||||||||||||
為投資而持有的貸款的構成 |
|
Dec. 31, |
|
|
|
9月30歲, |
|
|
|
6月30日, |
|
|
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|||||
商業廣告: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
C&I |
$ |
|
917,148 |
|
|
$ |
|
871,133 |
|
|
$ |
|
837,627 |
|
|
$ |
|
822,310 |
|
|
$ |
|
784,282 |
|
|
PPP |
|
|
169 |
|
|
|
|
202 |
|
|
|
|
2,301 |
|
|
|
|
15,739 |
|
|
|
|
52,793 |
|
|
市政 |
|
|
221,090 |
|
|
|
|
214,852 |
|
|
|
|
200,577 |
|
|
|
|
191,799 |
|
|
|
|
177,905 |
|
|
商業總金額 |
|
|
1,138,407 |
|
|
|
|
1,086,187 |
|
|
|
|
1,040,505 |
|
|
|
|
1,029,848 |
|
|
|
|
1,014,980 |
|
|
農耕 |
|
|
76,947 |
|
|
|
|
76,937 |
|
|
|
|
90,420 |
|
|
|
|
82,883 |
|
|
|
|
98,089 |
|
|
房地產: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
建設與發展 |
|
|
959,426 |
|
|
|
|
938,051 |
|
|
|
|
928,644 |
|
|
|
|
806,211 |
|
|
|
|
749,793 |
|
|
農場 |
|
|
306,322 |
|
|
|
|
268,139 |
|
|
|
|
250,028 |
|
|
|
|
225,942 |
|
|
|
|
217,220 |
|
|
非擁有者佔用的CRE |
|
|
732,089 |
|
|
|
|
717,738 |
|
|
|
|
636,432 |
|
|
|
|
636,160 |
|
|
|
|
623,434 |
|
|
所有者佔用的CRE |
|
|
954,400 |
|
|
|
|
945,665 |
|
|
|
|
909,899 |
|
|
|
|
881,181 |
|
|
|
|
821,653 |
|
|
住宅 |
|
|
1,575,758 |
|
|
|
|
1,536,180 |
|
|
|
|
1,412,125 |
|
|
|
|
1,352,162 |
|
|
|
|
1,334,419 |
|
|
總房地產 |
|
|
4,527,995 |
|
|
|
|
4,405,773 |
|
|
|
|
4,137,128 |
|
|
|
|
3,901,656 |
|
|
|
|
3,746,519 |
|
|
消費者: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
自動 |
|
|
550,635 |
|
|
|
|
538,798 |
|
|
|
|
468,147 |
|
|
|
|
419,818 |
|
|
|
|
405,416 |
|
|
非自動 |
|
|
147,884 |
|
|
|
|
147,793 |
|
|
|
|
142,382 |
|
|
|
|
131,964 |
|
|
|
|
123,968 |
|
|
總消費額 |
|
|
698,519 |
|
|
|
|
686,591 |
|
|
|
|
610,529 |
|
|
|
|
551,782 |
|
|
|
|
529,384 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
持有用於投資的貸款總額 |
$ |
|
6,441,868 |
|
|
$ |
|
6,255,488 |
|
|
$ |
|
5,878,582 |
|
|
$ |
|
5,566,169 |
|
|
$ |
|
5,388,972 |
|
|
貸款分類摘要 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
特別提及 |
$ |
|
49,382 |
|
|
$ |
|
43,149 |
|
|
$ |
|
46,512 |
|
|
$ |
|
47,445 |
|
|
$ |
|
55,670 |
|
|
不合標準 |
|
|
101,316 |
|
|
|
|
100,568 |
|
|
|
|
106,156 |
|
|
|
|
104,715 |
|
|
|
|
105,515 |
|
|
值得懷疑 |
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
分類貸款總額 |
$ |
|
150,698 |
|
|
$ |
|
143,717 |
|
|
$ |
|
152,668 |
|
|
$ |
|
152,160 |
|
|
$ |
|
161,185 |
|
|
不良資產 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
非權責發生制貸款 |
$ |
|
24,306 |
|
|
$ |
|
24,585 |
|
|
$ |
|
25,475 |
|
|
$ |
|
28,723 |
|
|
$ |
|
31,652 |
|
|
應計問題債務重組貸款 |
|
|
19 |
|
|
|
|
19 |
|
|
|
|
20 |
|
|
|
|
20 |
|
|
|
|
21 |
|
|
應計逾期90天的貸款 |
|
|
- |
|
|
|
|
15 |
|
|
|
|
22 |
|
|
|
|
11 |
|
|
|
|
8 |
|
|
不良貸款總額 |
|
|
24,325 |
|
|
|
|
24,619 |
|
|
|
|
25,517 |
|
|
|
|
28,754 |
|
|
|
|
31,681 |
|
|
止贖資產 |
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
- |
|
|
|
|
2,477 |
|
|
不良資產總額 |
$ |
|
24,325 |
|
|
$ |
|
24,619 |
|
|
$ |
|
25,517 |
|
|
$ |
|
28,754 |
|
|
$ |
|
34,158 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
作為持有的投資貸款和止贖資產的百分比 |
|
|
0.38 |
|
% |
|
|
0.39 |
|
% |
|
|
0.43 |
|
% |
|
|
0.52 |
|
% |
|
|
0.63 |
|
% |
佔期末總資產的百分比 |
|
|
0.19 |
|
|
|
|
0.19 |
|
|
|
|
0.19 |
|
|
|
|
0.22 |
|
|
|
|
0.26 |
|
|
第一金融銀行股份有限公司
選定的財務數據(未經審計)
(單位:千)
|
截至的季度 |
||||||||||||||||||||||||
|
2022 |
|
|
|
2021 |
|
|
||||||||||||||||||
資本比率 |
|
Dec. 31, |
|
|
|
9月30歲, |
|
|
|
6月30日, |
|
|
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|||||
普通股一級資本比率 |
|
|
18.22 |
|
% |
|
|
18.03 |
|
% |
|
|
18.50 |
|
% |
|
|
19.00 |
|
% |
|
|
19.35 |
|
% |
一級資本充足率 |
|
|
18.22 |
|
|
|
|
18.03 |
|
|
|
|
18.50 |
|
|
|
|
19.00 |
|
|
|
|
19.35 |
|
|
總資本比率 |
|
|
19.29 |
|
|
|
|
19.07 |
|
|
|
|
19.54 |
|
|
|
|
20.01 |
|
|
|
|
20.34 |
|
|
第1級槓桿率 |
|
|
10.96 |
|
|
|
|
10.79 |
|
|
|
|
10.65 |
|
|
|
|
10.78 |
|
|
|
|
11.13 |
|
|
有形普通股權益比率 |
|
|
7.51 |
|
|
|
|
6.38 |
|
|
|
|
7.83 |
|
|
|
|
9.02 |
|
|
|
|
11.28 |
|
|
權益/資產比率 |
|
|
9.76 |
|
|
|
|
8.64 |
|
|
|
|
10.02 |
|
|
|
|
11.18 |
|
|
|
|
13.43 |
|
|
|
截至的季度 |
||||||||||||||||||||||||
|
2022 |
|
|
|
2021 |
|
|
||||||||||||||||||
非利息收入 |
|
Dec. 31, |
|
|
|
9月30歲, |
|
|
|
6月30日, |
|
|
|
Mar. 31, |
|
|
|
Dec. 31, |
|
|
|||||
信託費 |
$ |
|
10,122 |
|
|
$ |
|
10,314 |
|
|
$ |
|
9,742 |
|
|
$ |
|
9,817 |
|
|
$ |
|
9,670 |
|
|
押金手續費 |
|
|
6,397 |
|
|
|
|
6,399 |
|
|
|
|
6,038 |
|
|
|
|
5,706 |
|
|
|
|
5,762 |
|
|
借記卡費用 |
|
|
5,899 |
|
|
|
|
5,587 |
|
|
|
|
9,868 |
|
|
|
|
8,926 |
|
|
|
|
9,353 |
|
|
信用卡手續費 |
|
|
632 |
|
|
|
|
651 |
|
|
|
|
700 |
|
|
|
|
602 |
|
|
|
|
602 |
|
|
售賣收益及按揭貸款費用 |
|
|
2,904 |
|
|
|
|
4,070 |
|
|
|
|
5,728 |
|
|
|
|
6,333 |
|
|
|
|
6,272 |
|
|
出售可供出售證券的淨收益 |
|
|
131 |
|
|
|
|
334 |
|
|
|
|
1,648 |
|
|
|
|
31 |
|
|
|
|
1 |
|
|
出售喪失抵押品贖回權資產的淨收益 |
|
|
- |
|
|
|
|
349 |
|
|
|
|
18 |
|
|
|
|
1,084 |
|
|
|
|
107 |
|
|
出售資產的淨收益(虧損) |
|
|
(2 |
) |
|
|
|
526 |
|
|
|
|
6 |
|
|
|
|
(10 |
) |
|
|
|
(3 |
) |
|
收回貸款的利息 |
|
|
244 |
|
|
|
|
664 |
|
|
|
|
1,649 |
|
|
|
|
283 |
|
|
|
|
1,207 |
|
|
其他非利息收入 |
|
|
2,197 |
|
|
|
|
2,049 |
|
|
|
|
1,920 |
|
|
|
|
2,109 |
|
|
|
|
1,932 |
|
|
非利息收入總額 |
$ |
|
28,524 |
|
|
$ |
|
30,943 |
|
|
$ |
|
37,317 |
|
|
$ |
|
34,881 |
|
|
$ |
|
34,903 |
|
|
非利息支出 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
工資、佣金和員工福利,不包括利潤分享 |
$ |
|
32,391 |
|
|
$ |
|
33,129 |
|
|
$ |
|
31,840 |
|
|
$ |
|
32,540 |
|
|
$ |
|
31,876 |
|
|
利潤分成費用 |
|
|
565 |
|
|
|
|
763 |
|
|
|
|
1,307 |
|
|
|
|
1,598 |
|
|
|
|
3,099 |
|
|
入住費淨額 |
|
|
3,350 |
|
|
|
|
3,440 |
|
|
|
|
3,292 |
|
|
|
|
3,225 |
|
|
|
|
3,333 |
|
|
設備費用 |
|
|
2,053 |
|
|
|
|
2,396 |
|
|
|
|
2,346 |
|
|
|
|
2,257 |
|
|
|
|
2,382 |
|
|
FDIC評估費 |
|
|
1,021 |
|
|
|
|
917 |
|
|
|
|
904 |
|
|
|
|
869 |
|
|
|
|
848 |
|
|
借記卡費用 |
|
|
3,054 |
|
|
|
|
3,013 |
|
|
|
|
3,200 |
|
|
|
|
2,964 |
|
|
|
|
3,221 |
|
|
律師費、税費和律師費 |
|
|
2,814 |
|
|
|
|
2,604 |
|
|
|
|
2,513 |
|
|
|
|
2,957 |
|
|
|
|
2,835 |
|
|
審計費 |
|
|
451 |
|
|
|
|
451 |
|
|
|
|
450 |
|
|
|
|
451 |
|
|
|
|
423 |
|
|
印刷、文具和用品 |
|
|
473 |
|
|
|
|
600 |
|
|
|
|
501 |
|
|
|
|
540 |
|
|
|
|
664 |
|
|
無形資產攤銷 |
|
|
299 |
|
|
|
|
306 |
|
|
|
|
320 |
|
|
|
|
320 |
|
|
|
|
391 |
|
|
廣告、餐飲和公關 |
|
|
1,646 |
|
|
|
|
1,692 |
|
|
|
|
1,554 |
|
|
|
|
1,493 |
|
|
|
|
1,842 |
|
|
運營虧損和其他虧損 |
|
|
982 |
|
|
|
|
869 |
|
|
|
|
782 |
|
|
|
|
596 |
|
|
|
|
1,385 |
|
|
軟件攤銷和費用 |
|
|
2,420 |
|
|
|
|
2,564 |
|
|
|
|
2,522 |
|
|
|
|
2,457 |
|
|
|
|
2,817 |
|
|
其他非利息支出 |
|
|
6,259 |
|
|
|
|
6,698 |
|
|
|
|
6,802 |
|
|
|
|
6,958 |
|
|
|
|
6,556 |
|
|
總非利息支出 |
$ |
|
57,778 |
|
|
$ |
|
59,442 |
|
|
$ |
|
58,333 |
|
|
$ |
|
59,225 |
|
|
$ |
|
61,672 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
税額當量收益率調整 |
$ |
|
187 |
|
|
$ |
|
1,737 |
|
|
$ |
|
3,366 |
|
|
$ |
|
3,782 |
|
|
$ |
|
3,841 |
|
|
第一金融銀行股份有限公司
選定的財務數據(未經審計)
(單位:千)
|
截至的年度 |
|
|||||||
|
Dec. 31, |
|
|||||||
非利息收入 |
|
2022 |
|
|
|
2021 |
|
||
信託費 |
$ |
|
39,995 |
|
|
$ |
|
36,145 |
|
押金手續費 |
|
|
24,540 |
|
|
|
|
21,156 |
|
借記卡費用 |
|
|
30,280 |
|
|
|
|
35,905 |
|
信用卡手續費 |
|
|
2,585 |
|
|
|
|
2,373 |
|
售賣收益及按揭貸款費用 |
|
|
19,035 |
|
|
|
|
33,245 |
|
出售可供出售證券的淨收益 |
|
|
2,144 |
|
|
|
|
815 |
|
出售喪失抵押品贖回權資產的淨收益 |
|
|
1,451 |
|
|
|
|
190 |
|
出售資產的淨收益(虧損) |
|
|
520 |
|
|
|
|
210 |
|
收回貸款的利息 |
|
|
2,840 |
|
|
|
|
4,039 |
|
其他非利息收入 |
|
|
8,275 |
|
|
|
|
8,098 |
|
非利息收入總額 |
$ |
|
131,665 |
|
|
$ |
|
142,176 |
|
|
|
|
|
|
|
|
|
||
非利息支出 |
|
|
|
|
|
|
|
||
工資、佣金和員工福利,不包括利潤分享 |
$ |
|
129,900 |
|
|
$ |
|
131,908 |
|
利潤分成費用 |
|
|
4,233 |
|
|
|
|
10,134 |
|
入住費淨額 |
|
|
13,307 |
|
|
|
|
13,009 |
|
設備費用 |
|
|
9,052 |
|
|
|
|
9,173 |
|
FDIC評估費 |
|
|
3,711 |
|
|
|
|
3,130 |
|
借記卡費用 |
|
|
12,231 |
|
|
|
|
11,957 |
|
律師費、税費和律師費 |
|
|
10,888 |
|
|
|
|
11,806 |
|
審計費 |
|
|
1,803 |
|
|
|
|
1,759 |
|
印刷、文具和用品 |
|
|
2,114 |
|
|
|
|
1,910 |
|
無形資產攤銷 |
|
|
1,245 |
|
|
|
|
1,613 |
|
廣告、餐飲和公關 |
|
|
6,385 |
|
|
|
|
6,368 |
|
運營虧損和其他虧損 |
|
|
3,229 |
|
|
|
|
3,293 |
|
軟件攤銷和費用 |
|
|
9,963 |
|
|
|
|
11,120 |
|
其他非利息支出 |
|
|
26,717 |
|
|
|
|
24,528 |
|
總非利息支出 |
$ |
|
234,778 |
|
|
$ |
|
241,708 |
|
|
|
|
|
|
|
|
|
||
税額當量收益率調整 |
$ |
|
9,071 |
|
|
$ |
|
14,691 |
|
第一金融銀行股份有限公司
選定的財務數據(未經審計)
(單位:千)
|
截至三個月 |
|
|
|
截至三個月 |
||||||||||||||||||||||||||||
|
Dec. 31, 2022 |
|
|
|
Sept. 30, 2022 |
||||||||||||||||||||||||||||
|
|
平均值 |
|
|
|
税額當量 |
|
|
|
收益率/ |
|
|
|
|
|
|
平均值 |
|
|
|
税額當量 |
|
|
|
收益率/ |
|
|
||||||
|
|
天平 |
|
|
|
利息 |
|
|
|
費率 |
|
|
|
|
|
|
天平 |
|
|
|
利息 |
|
|
|
費率 |
|
|
||||||
生息資產: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
出售的聯邦基金 |
$ |
|
3,165 |
|
|
$ |
|
36 |
|
|
|
|
4.57 |
|
% |
|
|
|
$ |
|
3,107 |
|
|
$ |
|
19 |
|
|
|
|
2.49 |
|
% |
非關聯銀行的有息活期存款 |
|
|
160,200 |
|
|
|
|
1,579 |
|
|
|
|
3.91 |
|
|
|
|
|
|
|
248,929 |
|
|
|
|
1,413 |
|
|
|
|
2.25 |
|
|
應税證券 |
|
|
3,761,206 |
|
|
|
|
21,152 |
|
|
|
|
2.25 |
|
|
|
|
|
|
|
4,039,107 |
|
|
|
|
20,799 |
|
|
|
|
2.06 |
|
|
免税證券 |
|
|
2,001,185 |
|
|
|
|
12,231 |
|
|
|
|
2.44 |
|
|
|
|
|
|
|
2,164,829 |
|
|
|
|
14,382 |
|
|
|
|
2.66 |
|
|
貸款 |
|
|
6,391,703 |
|
|
|
|
86,326 |
|
|
|
|
5.36 |
|
|
|
|
|
|
|
6,082,649 |
|
|
|
|
77,851 |
|
|
|
|
5.08 |
|
|
生息資產總額 |
|
|
12,317,459 |
|
|
$ |
|
121,324 |
|
|
|
|
3.91 |
|
% |
|
|
|
|
|
12,538,621 |
|
|
$ |
|
114,464 |
|
|
|
|
3.62 |
|
% |
非息資產 |
|
|
891,972 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
833,980 |
|
|
|
|
|
|
|
|
|
|
||||
總資產 |
$ |
|
13,209,431 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
13,372,601 |
|
|
|
|
|
|
|
|
|
|
||||
計息負債: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
存款 |
$ |
|
6,871,315 |
|
|
$ |
|
13,123 |
|
|
|
|
0.76 |
|
% |
|
|
|
$ |
|
7,004,478 |
|
|
$ |
|
8,787 |
|
|
|
|
0.50 |
|
% |
借款 |
|
|
927,250 |
|
|
|
|
3,977 |
|
|
|
|
1.70 |
|
|
|
|
|
|
|
768,096 |
|
|
|
|
784 |
|
|
|
|
0.40 |
|
|
計息負債總額 |
|
|
7,798,565 |
|
|
$ |
|
17,100 |
|
|
|
|
0.87 |
|
% |
|
|
|
|
|
7,772,574 |
|
|
$ |
|
9,571 |
|
|
|
|
0.49 |
|
% |
無息存款 |
|
|
4,179,494 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
4,178,675 |
|
|
|
|
|
|
|
|
|
|
||||
其他無息負債 |
|
|
60,085 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
61,320 |
|
|
|
|
|
|
|
|
|
|
||||
股東權益 |
|
|
1,171,287 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1,360,032 |
|
|
|
|
|
|
|
|
|
|
||||
總負債和股東權益 |
$ |
|
13,209,431 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
13,372,601 |
|
|
|
|
|
|
|
|
|
|
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
淨利息收入和利潤率(税額等值) |
|
|
|
|
$ |
|
104,224 |
|
|
|
|
3.36 |
|
% |
|
|
|
|
|
|
|
$ |
|
104,893 |
|
|
|
|
3.32 |
|
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
|
截至三個月 |
|
|
|
截至三個月 |
||||||||||||||||||||||||||||
|
June 30, 2022 |
|
|
|
Mar. 31, 2022 |
||||||||||||||||||||||||||||
|
|
平均值 |
|
|
|
税額當量 |
|
|
|
收益率/ |
|
|
|
|
|
|
平均值 |
|
|
|
税額當量 |
|
|
|
收益率/ |
|
|
||||||
|
|
天平 |
|
|
|
利息 |
|
|
|
費率 |
|
|
|
|
|
|
天平 |
|
|
|
利息 |
|
|
|
費率 |
|
|
||||||
生息資產: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
出售的聯邦基金 |
$ |
|
1,466 |
|
|
$ |
|
5 |
|
|
|
|
1.45 |
|
% |
|
|
|
$ |
|
1,015 |
|
|
$ |
|
1 |
|
|
|
|
0.52 |
|
% |
非關聯銀行的有息活期存款 |
|
|
288,784 |
|
|
|
|
547 |
|
|
|
|
0.76 |
|
|
|
|
|
|
|
171,970 |
|
|
|
|
94 |
|
|
|
|
0.22 |
|
|
應税證券 |
|
|
4,101,751 |
|
|
|
|
19,151 |
|
|
|
|
1.87 |
|
|
|
|
|
|
|
4,231,949 |
|
|
|
|
17,823 |
|
|
|
|
1.68 |
|
|
免税證券 |
|
|
2,376,324 |
|
|
|
|
17,166 |
|
|
|
|
2.89 |
|
|
|
|
|
|
|
2,612,025 |
|
|
|
|
18,107 |
|
|
|
|
2.77 |
|
|
貸款 |
|
|
5,720,804 |
|
|
|
|
68,478 |
|
|
|
|
4.80 |
|
|
|
|
|
|
|
5,487,538 |
|
|
|
|
64,766 |
|
|
|
|
4.79 |
|
|
生息資產總額 |
|
|
12,489,129 |
|
|
$ |
|
105,347 |
|
|
|
|
3.38 |
|
% |
|
|
|
|
|
12,504,497 |
|
|
$ |
|
100,791 |
|
|
|
|
3.27 |
|
% |
非息資產 |
|
|
825,711 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
744,810 |
|
|
|
|
|
|
|
|
|
|
||||
總資產 |
$ |
|
13,314,840 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
13,249,307 |
|
|
|
|
|
|
|
|
|
|
||||
計息負債: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
存款 |
$ |
|
7,049,041 |
|
|
$ |
|
2,967 |
|
|
|
|
0.17 |
|
% |
|
|
|
$ |
|
6,898,059 |
|
|
$ |
|
1,369 |
|
|
|
|
0.08 |
|
% |
借款 |
|
|
730,477 |
|
|
|
|
232 |
|
|
|
|
0.13 |
|
|
|
|
|
|
|
781,314 |
|
|
|
|
201 |
|
|
|
|
0.10 |
|
|
計息負債總額 |
|
|
7,779,518 |
|
|
$ |
|
3,199 |
|
|
|
|
0.16 |
|
% |
|
|
|
|
|
7,679,373 |
|
|
$ |
|
1,570 |
|
|
|
|
0.08 |
|
% |
無息存款 |
|
|
4,064,207 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3,827,451 |
|
|
|
|
|
|
|
|
|
|
||||
其他無息負債 |
|
|
65,475 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
64,999 |
|
|
|
|
|
|
|
|
|
|
||||
股東權益 |
|
|
1,405,640 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1,677,484 |
|
|
|
|
|
|
|
|
|
|
||||
總負債和股東權益 |
$ |
|
13,314,840 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
13,249,307 |
|
|
|
|
|
|
|
|
|
|
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
淨利息收入和利潤率(税額等值) |
|
|
|
|
$ |
|
102,148 |
|
|
|
|
3.28 |
|
% |
|
|
|
|
|
|
|
$ |
|
99,221 |
|
|
|
|
3.22 |
|
% |
||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
|
截至三個月 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||||
|
Dec. 31, 2021 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||||||||||||||
|
|
平均值 |
|
|
|
税額當量 |
|
|
|
收益率/ |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
|
|
天平 |
|
|
|
利息 |
|
|
|
費率 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
生息資產: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
出售的聯邦基金 |
$ |
|
82 |
|
|
$ |
|
- |
|
|
|
|
0.48 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
非關聯銀行的有息活期存款 |
|
|
320,102 |
|
|
|
|
124 |
|
|
|
|
0.15 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
應税證券 |
|
|
3,590,137 |
|
|
|
|
13,556 |
|
|
|
|
1.51 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
免税證券 |
|
|
2,636,360 |
|
|
|
|
18,163 |
|
|
|
|
2.76 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
貸款 |
|
|
5,347,069 |
|
|
|
|
67,993 |
|
|
|
|
5.04 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
生息資產總額 |
|
|
11,893,750 |
|
|
$ |
|
99,836 |
|
|
|
|
3.33 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
非息資產 |
|
|
726,932 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
總資產 |
$ |
|
12,620,682 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
計息負債: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
存款 |
$ |
|
6,399,343 |
|
|
$ |
|
1,110 |
|
|
|
|
0.07 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
借款 |
|
|
639,725 |
|
|
|
|
77 |
|
|
|
|
0.05 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
計息負債總額 |
|
|
7,039,068 |
|
|
$ |
|
1,187 |
|
|
|
|
0.07 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
無息存款 |
|
|
3,744,848 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
其他無息負債 |
|
|
99,091 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
股東權益 |
|
|
1,737,675 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
總負債和股東權益 |
$ |
|
12,620,682 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
淨利息收入和利潤率(税額等值) |
|
|
|
|
$ |
|
98,649 |
|
|
|
|
3.29 |
|
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
第一金融銀行股份有限公司
選定的財務數據(未經審計)
(單位:千)
|
截至的年度 |
|
|
|
截至的年度 |
||||||||||||||||||||||||||||
|
Dec. 31, 2022 |
|
|
|
Dec. 31, 2021 |
||||||||||||||||||||||||||||
|
|
平均值 |
|
|
|
税額當量 |
|
|
|
收益率/ |
|
|
|
|
|
|
平均值 |
|
|
|
税額當量 |
|
|
|
收益率/ |
|
|
||||||
|
|
天平 |
|
|
|
利息 |
|
|
|
費率 |
|
|
|
|
|
|
天平 |
|
|
|
利息 |
|
|
|
費率 |
|
|
||||||
生息資產: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
出售的聯邦基金 |
$ |
|
2,196 |
|
|
$ |
|
63 |
|
|
|
|
2.85 |
|
% |
|
|
|
$ |
|
1,651 |
|
|
$ |
|
9 |
|
|
|
|
0.55 |
|
% |
非關聯銀行的有息活期存款 |
|
|
217,525 |
|
|
|
|
3,633 |
|
|
|
|
1.67 |
|
|
|
|
|
|
|
590,843 |
|
|
|
|
730 |
|
|
|
|
0.12 |
|
|
應税證券 |
|
|
4,032,228 |
|
|
|
|
78,924 |
|
|
|
|
1.96 |
|
|
|
|
|
|
|
2,898,924 |
|
|
|
|
47,390 |
|
|
|
|
1.63 |
|
|
免税證券 |
|
|
2,286,578 |
|
|
|
|
61,886 |
|
|
|
|
2.71 |
|
|
|
|
|
|
|
2,503,220 |
|
|
|
|
70,253 |
|
|
|
|
2.81 |
|
|
貸款 |
|
|
5,923,594 |
|
|
|
|
297,420 |
|
|
|
|
5.02 |
|
|
|
|
|
|
|
5,341,332 |
|
|
|
|
272,714 |
|
|
|
|
5.11 |
|
|
生息資產總額 |
|
|
12,462,121 |
|
|
$ |
|
441,926 |
|
|
|
|
3.55 |
|
% |
|
|
|
|
|
11,335,970 |
|
|
$ |
|
391,096 |
|
|
|
|
3.45 |
|
% |
非息資產 |
|
|
824,550 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
706,285 |
|
|
|
|
|
|
|
|
|
|
||||
總資產 |
$ |
|
13,286,671 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
12,042,255 |
|
|
|
|
|
|
|
|
|
|
||||
計息負債: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
存款 |
$ |
|
6,955,783 |
|
|
$ |
|
26,246 |
|
|
|
|
0.38 |
|
% |
|
|
|
$ |
|
6,224,621 |
|
|
$ |
|
5,704 |
|
|
|
|
0.09 |
|
% |
借款 |
|
|
802,091 |
|
|
|
|
5,195 |
|
|
|
|
0.65 |
|
|
|
|
|
|
|
556,610 |
|
|
|
|
338 |
|
|
|
|
0.06 |
|
|
計息負債總額 |
|
|
7,757,874 |
|
|
$ |
|
31,441 |
|
|
|
|
0.41 |
|
% |
|
|
|
|
|
6,781,231 |
|
|
$ |
|
6,042 |
|
|
|
|
0.09 |
|
% |
無息存款 |
|
|
4,063,740 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
3,449,313 |
|
|
|
|
|
|
|
|
|
|
||||
其他無息負債 |
|
|
62,953 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
102,279 |
|
|
|
|
|
|
|
|
|
|
||||
股東權益 |
|
|
1,402,104 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1,709,432 |
|
|
|
|
|
|
|
|
|
|
||||
總負債和股東權益 |
$ |
|
13,286,671 |
|
|
|
|
|
|
|
|
|
|
|
|
|
$ |
|
12,042,255 |
|
|
|
|
|
|
|
|
|
|
||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
||||||
淨利息收入和利潤率(税額等值) |
|
|
|
|
$ |
|
410,485 |
|
|
|
|
3.29 |
|
% |
|
|
|
|
|
|
|
$ |
|
385,054 |
|
|
|
|
3.40 |
|
% |