0000798941-26-000027
SEC filing第二季度盈利强劲，资本回报与资产负债表优化驱动业绩超预期。
| 指标 | 本期 | 去年同期 | 同比 |
|---|---|---|---|
| Net Income (GAAP) | $672M | — | — |
| Net Income Available to Common Stockholders (GAAP) | $640M | — | — |
| Diluted EPS (GAAP) | $55.52 | — | — |
| Adjusted Net Income (Non-GAAP) | $691M | — | — |
| Adjusted Diluted EPS (Non-GAAP) | $57.09 | — | — |
| Net Interest Income (GAAP) | $1.66B | — | — |
| Net Interest Margin (GAAP) | 3.10% | — | — |
| Noninterest Income (GAAP) | $776M | — | — |
| Noninterest Expense (GAAP) | $1.55B | — | — |
| Benefit for Credit Losses (GAAP) | $10M | — | — |
| Net Charge-offs | $108M (0.29% of avg loans) | — | — |
| Nonaccrual Loans | $1.45B (0.96% of loans) | — | — |
| Allowance for Loan and Lease Losses | $1.48B (0.98% of loans) | — | — |
| Loans and Leases | $151.03B | — | — |
| Deposits | $173.43B | — | — |
| Total Risk-Based Capital Ratio | 13.37% | — | — |
| Common Equity Tier 1 Ratio | 10.77% | — | — |
简评
第二季度业绩表现强劲，净收入6.72亿美元，环比增长1.38亿美元，主要得益于净利息收入增加、非利息收入大幅增长以及信贷损失拨备转为净收益。净息差小幅扩大至3.10%，贷款和存款均实现稳健增长，其中商业银行业务贷款增长23.7亿美元，主要集中于Global Fund Banking。信贷质量保持韧性，贷款损失准备释放7400万美元，净核销率降至0.29%。管理层强调，回报指标超出预期，且通过回购和偿还Purchase Money Note进一步优化了资产负债表。
资本回报方面，本季度回购2.989亿股，金额6亿美元，并支付每股2.10美元股息。截至季末，2025年回购计划剩余额度为13.1亿美元。资本充足率保持高位，总风险资本比率13.37%，普通股一级资本比率10.77%。此外，BMO分行收购预计于2026年第三季度完成，将承接约53亿美元存款和7亿美元贷款，有望进一步扩大业务版图。整体来看，公司盈利动能强劲，资本实力雄厚，战略执行清晰。