First Hawaiian 三季度净利6,370万美元：净息差升至3.30%，宣布每股0.26美元股息
总部位于夏威夷州 Honolulu 的 First Hawaiian, Inc.（NASDAQ: FHB）10月23日公布截至2026年9月30日的第三季度业绩：当季净利6,370万美元、摊薄每股收益0.52美元，低于第二季度的7,338万美元、0.60美元与上年同期的7,384万美元、0.59美元。其主要子公司 First Hawaiian Bank 创立于1858年（初名 Bishop & Company），是夏威夷州历史最久、规模最大的金融机构，在夏威夷、Guam 与 Saipan 设有网点，全行共49家分行。
董事长、总裁兼首席执行官 Bob Harrison 表示，他对本季稳健的盈利与客户持续的信任感到满意；在竞争激烈的市场中存款仍实现增长，反映出客户关系的实力，资产负债表对利率上升的环境准备良好；公司正筹备收购 Tri Counties Bank，将在此基础上把握增长机会。董事会已于10月21日宣派季度现金股息每股0.26美元，11月27日支付、11月16日收市时在册的股东可获派。
盈利方面，当季净利息收入1.741亿美元，环比增加310万美元；净息差3.30%，比第二季度的3.25%上升5个基点。非利息收入5,610万美元，环比减少420万美元；非利息支出1.600亿美元，环比增加2,960万美元，其中包括与2016年公司重组税务负债和解协议相关的2,430万美元非利息支出（该和解同时带来3,100万美元所得税收益，当季实际税率因此为负27.8%）以及670万美元并购相关成本；效率比率69.2%。当季未回购任何股份。
资产负债表方面，9月30日总资产238亿美元，高于6月30日的236亿美元；贷款与租赁总额145亿美元，环比减少1.151亿美元；存款总额202亿美元，环比增加5,040万美元；股东权益28亿美元。资本比率方面，一级杠杆比率9.61%、普通股一级资本比率13.50%、总资本比率14.74%，均高于二季度末。
资产质量方面，当季计提信贷损失拨备2,030万美元（第二季度为560万美元），主要由一笔商业地产贷款1,250万美元的部分核销及其他商业地产贷款降级驱动；净核销2,190万美元，年化占平均贷款0.60%；不良资产4,600万美元，占贷款与自有地产合计的0.32%；信贷损失准备1.644亿美元，占贷款总额1.14%。
First Hawaiian Reports Third-Quarter Net Income of $63.7 Million, Margin Rises to 3.30% and $0.26 Dividend Declared
First Hawaiian, Inc. (NASDAQ: FHB), headquartered in Honolulu, Hawaii, reported on October 23 financial results for the quarter ended September 30, 2026. Net income was $63.7 million, or $0.52 per diluted share, compared with $73.4 million, or $0.60, in the second quarter and $73.8 million, or $0.59, a year earlier. Its principal subsidiary, First Hawaiian Bank, founded in 1858 as Bishop & Company, is Hawaii's oldest and largest financial institution, with branches across Hawaii, Guam and Saipan and 49 branches in total.
Chairman, President and CEO Bob Harrison said he was pleased with the solid earnings and the continued trust customers place in the bank. Deposit growth in a competitive market reflects the strength of those relationships, he said, and the balance sheet is well positioned to benefit from rising interest rates; as the company prepares for the Tri Counties Bank acquisition, it is focused on building on that foundation. On October 21 the board declared a quarterly cash dividend of $0.26 per share, payable November 27 to stockholders of record on November 16.
Net interest income was $174.1 million, up $3.1 million from the prior quarter, and the net interest margin rose 5 basis points to 3.30%. Noninterest income was $56.1 million, down $4.2 million, while noninterest expense rose $29.6 million to $160.0 million, including a $24.3 million expense from an agreement to settle tax liabilities from the 2016 corporate reorganization (which also produced a $31.0 million tax benefit, taking the effective tax rate to -27.8%) and $6.7 million of merger-related costs. The efficiency ratio was 69.2%, and the company repurchased no shares in the quarter.
Total assets were $23.8 billion at September 30, up from $23.6 billion at June 30. Loans and leases fell $115.1 million to $14.5 billion, deposits rose $50.4 million to $20.2 billion, and stockholders' equity was $2.8 billion. The tier 1 leverage, common equity tier 1 and total capital ratios were 9.61%, 13.50% and 14.74%.
The company recorded a $20.3 million provision for credit losses, up from $5.6 million in the second quarter, driven by a $12.5 million partial charge-off on a single commercial real estate loan and other CRE downgrades. Net charge-offs were $21.9 million, or 0.60% of average loans on an annualized basis; non-performing assets were $46.0 million, or 0.32%, and the allowance for credit losses was $164.4 million, or 1.14% of total loans.
来源：GSM·美国（原文链接）
图片来源：Honolulu 市中心 Bishop Street 金融区（资料图）。KAVEBEAR 摄，CC BY 2.0，经 Wikimedia Commons 取用 / The downtown Honolulu financial district on Bishop Street (file photo). Photo by KAVEBEAR, CC BY 2.0, via Wikimedia Commons
