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Dec 31, 2020

Cathay General Q4 2020 Earnings Report

Net income increased slightly and a reversal for loan losses was recorded.

Key Takeaways

Cathay General Bancorp reported a net income of $70.9 million, or $0.89 per share, for the fourth quarter of 2020. The net interest margin increased to 3.12%, and there was a reversal for loan losses of $5.0 million.

Net income for Q4 2020 was $70.9 million, or $0.89 per share.

Net interest margin increased to 3.12% in Q4 2020 from 3.02% in Q3 2020.

Loans, excluding Paycheck Protection Program loans, increased by $103.4 million, or 2.7% annualized.

Deposits, excluding CD's, increased by $351.0 million, or 15.5% annualized.

Total Revenue
$151M
Previous year: $150M
+0.9%
EPS
$0.89
Previous year: $0.84
+6.0%
Efficiency ratio
49.61%
Previous year: 47.51%
+4.4%
Return on average assets
1.5%
Previous year: 1.5%
+0.0%
Net interest margin
3.12%
Previous year: 3.34%
-6.6%
Gross Profit
$151M
Previous year: $150M
+0.9%
Cash and Equivalents
$139M
Previous year: $177M
-21.8%
Free Cash Flow
$85.4M
Previous year: $109M
-21.8%
Total Assets
$19B
Previous year: $18.1B
+5.2%

Cathay General

Cathay General

Forward Guidance

No specific forward guidance was provided in the press release.