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Sep 30, 2021

Cathay General Q3 2021 Earnings Report

Net income increased year-over-year, driven by a decrease in interest expense from deposits

Key Takeaways

Cathay General Bancorp reported a net income of $72.4 million, or $0.93 per share, for the third quarter of 2021, which increased compared to net income of $56.8 million for the same quarter a year ago. The increase was primarily due to a decrease in interest expense from deposits. Total loans, excluding PPP loans, increased by 9.1% annualized.

Net income for the quarter ended September 30, 2021, was $72.4 million, an increase of $15.6 million, or 27.5%, compared to net income of $56.8 million for the same quarter a year ago.

Diluted earnings per share for the quarter ended September 30, 2021, was $0.93 per share compared to $0.71 per share for the same quarter a year ago.

The net interest margin was 3.22% for the third quarter of 2021 compared to 3.02% for the third quarter of 2020.

During the third quarter of 2021, the Company repurchased 942,613 shares of common stock at an average cost of $39.40 per share for a total of $37.1 million during the quarter.

Total Revenue
$165M
Previous year: $147M
+11.7%
EPS
$0.93
Previous year: $0.71
+31.0%
Efficiency ratio
43.85%
Previous year: 51.53%
-14.9%
Return on average assets
1.45%
Previous year: 1.18%
+22.9%
Return on avg. equity
11.61%
Gross Profit
$165M
Previous year: $147M
+11.7%
Cash and Equivalents
$156M
Previous year: $129M
+21.3%
Free Cash Flow
$70.1M
Previous year: $59.8M
+17.2%
Total Assets
$19.9B
Previous year: $19B
+4.4%

Cathay General

Cathay General