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太平洋城市金融公司报告2018年第一季度创纪录的收入为630万美元

2018-04-28 21:24:34    来源:    编辑:

   太平洋城市银行(以下简称“太平洋城市银行”)控股公司太平洋城市金融公司(以下简称“公司”)(太平洋城市银行)今天公布了第一季度净收入630万美元或每股摊薄普通股0.46美元2018年,上一季度为230万美元,每股稀释普通股0.17美元,稀释后的普通股为440万美元,即每股0.33美元。

  2018年第一季度亮点

  净收入总计630万美元或每股稀释普通股0.46美元;

  于二零一八年三月三十一日,总资产增加一亿三千七百万美元或9.5%至十五亿五千九百万美元,而二零一七年十二月三十一日则为14.42亿美元;

  于二零一八年三月三十一日,贷款总额(包括待售贷款(「高级别存款准备金」)及扣除未赚取的费用及开支后分别增加34.2百万美元或2.9%至12亿29,500百万美元,而二零一七年十二月三十一日则为1,195.3百万美元;

  于二零一八年三月三十一日,存款总额增加1.360亿美元或10.4%至13.819亿美元,而二零一七年十二月三十一日则为12.513亿美元;

  截至2018年3月31日,分类贷款减少603,000美元,即12.1%至440万美元,而2017年12月31日为500万美元; 和

  2018年第一季度净利息收益率增长6个基点至4.33%,上一季度为4.27%,同比增长18个基点,而去年同期为4.15%。

  “我们很高兴能够报告一个强劲的季度,这是由于净利息收益率和净利息收入的增长所强调的,”亨利金总裁兼首席执行官表示,“我们的净利息收益率在2018年第一季度增长到4.33%,而上一季度为4.27%,去年同期为4.15%; 2018年第一季度的净收入为630万美元,较上一季度的230万美元增长168%,与去年同期的440万美元相比增长42.4% -ago季度“。

  金先生继续说道:“我们的存款余额在2018年第一季度增加了1.31亿美元,或10.4%至13.8亿美元,而上一季度为12.5亿美元,增加2.36亿美元,即20.6%,而去年同期为11.5亿美元-ago季度。市场利率的预期上涨将挑战我们管理资金成本的能力; 然而,我们的资产敏感资产负债表预计将抵消利息支出的增加,并改善我们的净息差。“

  2018年第一季度财务摘要

  (千美元,每股数据除外)

  在或结束三个月

  2018年 3月31日

  2017年 12月31 日%

  变化

  2017年 3月31 日%

  变化

  净收入$6264$2339167.8%$439842.4%

  每股普通股收益(摊薄)0.460.17170.6%0.3339.4%

  净利息收入$15293$149332.4%$1247022.6%

  贷款损失准备951713-94.5%(198)-148.0%

  非利息收入336233620.0%3,489-3.6%

  非利息费用9,6309,6200.1%8,52113.0%

  总资产$1578970$14419989.5%$128643222.7%

  应收净贷款,扣除拨备和贷款费用/成本121090111777752.8%104287916.1%

  存款总额1381925125128910.4%114626220.6%

  平均资产回报1.73%0.65%1.42%

  平均股东权益回报17.50%6.47%13.77%

  净息差4.33%4.27%4.15%

  效率比51.62%52.58%53.39%

  有形资产的有形普通股9.32%9.86%10.21%

  每普通股有形的普通股$10.97$10.60$9.79

  一级杠杆比率(合并)10.09%10.01%10.45%

  操作结果

  净收入

  2018年第一季度的净收入增加了390万美元,即167.8%,为630万美元,上一季度为230万美元,同比增长190万美元,即42.4%,而去年同期为440万美元。2018年第一季度每股摊薄收益为0.46美元,上一季度为0.17美元,去年同期为0.33美元。净收入与上一季度相比增加的主要原因是贷款损失准备金减少160万美元,所得税计提减少200万美元,净利息收入增加360,000美元。净收益与去年同期相比增加主要是由于净利息收入增加280万美元,减少572美元,

  净利息收入和净利息收益率

  2018年第一季度的净利息收入增加36万美元,即2.4%,达到1530万美元,上一季度为1490万美元,同比增长280万美元,即22.6%,而上年同期为1250万美元。净利息收入与上季度和去年同期相比增加主要是由于生息资产增加以及自2016年12月以来市场利率持续上涨所致。

  2018年第一季度贷款利息收入增加608,000美元,即3.6%,至1,740万美元,上一季度为1680万美元,同比增加360万美元,即25.7%,而上年同期为1390万美元。贷款利息收入与上季度相比增加的主要原因是贷款余额和贷款收益率增加。包括LHFS在内的平均贷款总额在2018年第一季度为11.2990亿美元,上一季度为11.860亿美元,去年同期为10.558亿美元。2018年一季度贷款收益率为5.80%,上一季度为5.63%,上年同期为5.33%。

  以下表格显示了我们的固定和浮动利率贷款组合以及截至所示日期的加权平均合约利率:

  2018年3月31日2017年12月31日2017年3月31日

  %占总

  贷款*WAVG

  合约

  利率%占总

  贷款*WAVG

  合约

  利率%占总

  贷款*WAVG

  合约

  利率

  固定利率贷款26.8%5.07%26.6%5.09%29.3%5.11%

  浮动利率贷款73.2%5.62%73.4%5.38%70.7%4.92%

  *在2017年3月,31日,2017年12月31日和2017年3月31日分别包含620万美元,530万美元和1280万美元的LHFS。

  Interest income on investment securities for the 2018 first quarter increased $76,000, or 9.8%, to $848,000 compared with $772,000 for the previous quarter and increased $340,000, or 66.9%, compared with $508,000 for the year-ago quarter. The increases compared with the previous quarter and the year-ago quarter were primarily due to an increase in the size of the investment securities portfolio and an improvement in yield resulting from additional purchases of investment securities in the current rising interest rate environment. The average balance of investment securities in the 2018 first quarter was $149.4 million, compared with $147.5 million in the previous quarter and $104.3 million in the year-ago quarter, and the yield in the 2018 first quarter was 2.27% compared with 2.09% in the previous quarter and 1.95% in the year-ago quarter.

  2018年第四季度的利息支出总额比上一季度的290万美元增加了397,000美元,即13.5%,达到330万美元,同比增长120万美元,即55.3%,而去年同期为210万美元。增加的主要原因是2018年第一季度存款推广带来的计息负债余额和计息存款成本增加所致。在促销期间,公司以2.21%的加权平均利率筹集了1.227亿美元的计息存款。2018年第一季度计息负债平均余额为1亿美元,上一季度为9.481亿美元,去年同期为8.394亿美元。2018年第一季度计息负债成本为1.35%,上一季度为1.23%,上年同期为1.04%。包括无息存款在内的资金成本在2018年第一季度为1.03%,前一季度为0.92%,去年同期为0.78%。

  2018年第一季度的净息差为4.33%,前一季度为4.27%,去年同期为4.15%。

  贷款损失准备金

  公司在2018年第一季度记录了95,000美元的贷款损失准备金,上一季度为170万美元,去年同期为198,000美元。2018年第一季度贷款损失准备金与上一季度相比减少的主要原因是净销账额减少。在2018年第一季度,公司录得52,000美元的净收益,而上一季度则为110万美元的净收费。2018年3月31日贷款损失与贷款总额比率为1.01%,2017年12月31日为1.03%,2017年3月31日为1.07%。

  非利息收入

  2018年第一季度的非利息收入与上一季度一致,为340万美元,与去年同期的350万美元相比减少了127000美元。与去年同期相比减少的主要原因是出售SBA贷款收益减少265,000美元,部分被贷款服务费增加60,000美元和其他收入增加85,000美元所抵消。

  该公司出资5,210万美元的SBA贷款,并在2018年第一季度出售了SBA贷款担保部分的3,100万美元,而上一季度出售的4,380万美元和2,920万美元的销售额以及6,110万美元的融资和3,640万美元一年前的季度。该公司资助了2,500万美元的住宅按揭贷款,并在2018年第一季度售出了120万美元,相比之下,上个季度的资金为2,400万美元,销售额为210万美元,上年同期为1,540万美元和270万美元。

  非利息费用

  2018年第一季度非利息支出与上一季度一致为960万美元,同比增加110万美元,即13.0%,而上年同期为850万美元。与去年同期相比增长的主要原因是员工薪酬和福利费用增加725,000美元,法律和专业费用169,000美元以及营销费用85,000美元,部分被贷款相关费用减少70,000美元所抵消。与上年同期相比,工资和员工福利开支增加包括员工人数和年薪调整增加324,000美元的额外开支,员工奖金和奖励补偿230,000美元和员工团体保险86,000美元。

  公司2018年第一季度的效率比为51.62%,前一季度为52.58%,去年同期为53.39%。

  所得税拨备

  The Company’s effective income tax rate was 29.86% in the 2018 first quarter compared with 66.41% in the previous quarter and 42.41% in the year-ago quarter. The effective income tax rate in the 2018 first quarter decreased compared with prior quarters primarily due to the enactment of H.R. 1, also known as the Tax Cuts and Jobs Act, on December 22, 2017. Beginning in 2018, H.R. 1 reduced the U.S. federal corporate tax rate from 35% to 21% and changed or limited certain tax deductions. As a result of the lower corporate tax rate, during the previous quarter, the Company recorded a one-time revaluation adjustment of $1.6 million to reduce its deferred tax assets, which increased income tax expense.

  BALANCE SHEET SUMMARY

  Total Assets

  Total assets increased $137.0 million, or 9.5%, to $1,579.0 million at March 31, 2018 compared with $1,442.0 million at December 31, 2017 and increased $292.5 million, or 22.7%, compared with $1,286.4 million at March 31, 2017.

  Loans

  Total loans receivable, including loans held-for-sale and net of deferred costs and fees, increased $34.2 million, or 2.9%, to $1,229.5 million at March 31, 2018 compared with $1,195.3 million at December 31, 2017 and increased $162.4 million, or 15.2%, compared with $1,067.0 million at March 31, 2017.

  During the 2018 first quarter, the Company funded $155.2 million in loans, sold $31.0 million of the guaranteed portion of SBA loans and $1.2 million in residential mortgage loans, recognized $88.7 million in loan principal pay-down/pay-off, and charged-off $139,000. During the previous quarter, the Company funded $154.3 million in loans, sold $29.2 million of SBA guaranteed portion of the loans and $2.1 million in residential mortgage loans, recognized $75.6 million in loan principal pay-down/pay-off, and charged-off $1.2 million.

  The table below details gross loan balances by loan type as of the dates indicated:

  Loan type (dollars in thousands)

  Mar. 31,

  2018Dec. 31,

  2017Percentage

  Change

  2017年 3月31 日百分比

  变化

  商业房地产贷款(1)$702626$6868632.3%$61588714.1%

  住宅物业贷款1839451680919.4%14271928.9%

  SBA贷款1635771606371.8%13923617.5%

  商业和工业贷款(2)140072140208-0.1%12232514.5%

  消费贷款32,70433869-3.4%33617-2.7%

  递延贷款费用/成本 348 3315.1% 410-15.1%

  应收贷款总额122327211899992.8%105419416.0%

  贷款持有待售 6182 529716.7% 12847-51.9%

  贷款总额$1229454$11952962.9%$106704115.2%

  (1)商业房地产贷款包括商业房地产贷款和建筑贷款。

  (2)商业贷款和工业贷款包括商业定期贷款,商业信贷和国际贷款。

  投资证券

  Total investment securities decreased $4.0 million, or 2.6%, to $146.8 million at March 31, 2018 compared with $150.8 million at December 31, 2017, and increased $37.4 million, or 34.2%, compared with $109.4 million at March 31, 2017. The decrease in investment securities compared with the previous quarter was primarily due to the principal pay-down of $6.4 million exceeding the purchase of $4.1 million, $1.4 million in decline of fair market value, and $206,000 in net premium amortization. The increase in investment securities compared with the year-ago quarter was primarily due to the purchase of $64.0 million, partially offset by $22.4 million in principal pay-downs or called securities, $2.3 million in decline-in fair market value, and $844,000 in net premium amortization since the 2017 first quarter-end. The purchase of $64.0 million consisted of $2.0 million of U.S. government agency securities, $30.4 million of mortgage-backed securities, and $31.6 million of collateralized mortgage obligations.

  Deposits

  Total deposits increased $130.6 million, or 10.4%, to $1,381.9 million at March 31, 2018 compared with $1,251.3 million at December 31, 2017, and increased $235.7 million, or 20.6%, compared with $1,146.3 million at March 31, 2017. During the 2018 first quarter, the Company launched a promotion for interest-bearing deposits and was able to raise $122.7 million in interest-bearing deposits. The demand deposit to total deposit ratio was 23.2% at March 31, 2018 compared with 25.5% at December 31, 2017, and 26.0% at March 31, 2017.

  The table below details our deposit mix by period as of the dates indicated:

  Deposit mix (Dollars in thousands)

  March 31, 2018December 31, 2017March 31, 2017

  AmountPercentageAmountPercentageAmountPercentage

  Demand deposits$321,10923.2%$319,02525.5%$298,56326.0%

  Now accounts9,7160.7%10,3240.8%9,6550.8%

  Money market accounts272,20819.7%299,39023.9%313,21227.4%

  Savings8,1810.6%8,1640.7%8,3820.7%

  Time deposits under $250K382,82627.8%295,27423.6%257,66022.5%

  Time deposits of $250K and over235,38517.0%166,61213.3%132,72411.6%

  State & Broker CDs 152,50011.0% 152,50012.2% 126,06611.0%

  Total deposits$1,381,925100.0%$1,251,289100.0%$1,146,262100.0%

  Borrowings

  The balance of borrowings from the Federal Home Loan Bank (“FHLB”) at March 31, 2018 and at December 31, 2017 was $40.0 million and none at March 31, 2017. Borrowings from FHLB bore fixed interest rates with original maturity terms ranging from one to five years.

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