0000714562-26-000050
SEC filing第二季度净利创纪录，贷款连续十一季增长，净息差与ROA强劲。
| 指标 | 本期 | 去年同期 | 同比 |
|---|---|---|---|
| Net Income | $22.7M | $18.6M | — |
| Diluted EPS (GAAP) | $1.91 | $1.57 | — |
| Net Interest Income | $61.2M | $52.7M | +16.2% |
| Net Interest Margin | 4.33% | 4.15% | — |
| Return on Average Assets | 1.48% | 1.34% | — |
| Provision for Credit Losses | $1.3M | $2.0M | — |
| Pre-tax, Pre-provision Income (Non-GAAP) | $29.3M | $24.9M | — |
| Efficiency Ratio | 57.95% | 59.37% | — |
| Nonperforming Loans | $27.1M | $9.8M | — |
| Allowance for Credit Losses | $50.9M | $47.1M | — |
简评
第二季度业绩创纪录，净收入$22.7M、稀释EPS $1.91，均高于去年同期。核心驱动为贷款强劲增长：平均贷款$4.45B，同比增14.83%，连续第十一季增长，有机增长$300M主要来自Commercial Construction and Development、Commercial Real Estate和Consumer Auto贷款。净息差4.33%，同比升18个基点，净利息收入创纪录$61.2M，同比增16.2%，反映资产端收益率改善与CedarStone收购的贡献。
利润率与资产质量方面，效率比率改善至57.95%，ROA升至1.48%。信贷拨备$1.3M低于去年同期$2.0M，但不良贷款升至$27.1M（比率0.61% vs 0.25%），净核销$2.7M亦高于去年同期，需关注资产质量变化。管理层对业绩表示满意，强调净息差与盈利能力保持强劲。资本返还方面，季度股息$0.56已支付，年内未回购，剩余授权518,860股。