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Sep 30, 2020

Cathay General Q3 2020 Earnings Report

Net income decreased year-over-year, while net interest margin remained stable compared to the previous quarter.

Key Takeaways

Cathay General Bancorp reported a net income of $56.8 million for Q3 2020, a decrease compared to $72.8 million for the same quarter a year ago. The net interest margin was 3.02%, unchanged from the second quarter of 2020. The provision for loan losses decreased to $12.5 million compared to $25.0 million for the second quarter of 2020.

Net income for the quarter was $56.8 million, or $0.71 per share.

Net interest margin was 3.02%, unchanged from the previous quarter.

Provision for loan losses decreased to $12.5 million.

Total non-accrual loans were $77.2 million, an increase of $36.7 million from December 31, 2019.

Total Revenue
$147M
Previous year: $157M
-6.3%
EPS
$0.71
Previous year: $0.91
-22.0%
Efficiency ratio
51.53%
Previous year: 41.67%
+23.7%
Return on average assets
1.18%
Previous year: 1.65%
-28.5%
Net interest margin
3.02%
Previous year: 3.56%
-15.2%
Gross Profit
$147M
Previous year: $157M
-6.3%
Cash and Equivalents
$129M
Previous year: $257M
-49.9%
Free Cash Flow
$59.8M
Previous year: $148M
-59.5%
Total Assets
$19B
Previous year: $18B
+5.6%

Cathay General

Cathay General