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					                    BS                                    IS
Deposit   1000000   Asset       Cash          1,000,000   Revenue
                                                          Interest expense
                    Liability   Deposit       1,000,000   SG&A
                                                          EBIT
                                                          Tax
                    Equity                            -   NI

                    BS
                    Asset       Cash           999,850

                    Liability   Deposit       1,000,000


                    Equity                -        150
                         -
Interest expense       100
                        50
                   -   150
                         -
                   -   150
                                                                               2008         2009         2010         2011
     Loan receivable                                                             452,216      401,831      380,662            0
     Investment securities-taxable                                               115,890      123,939      106,568       70,125
     Investment securities-nontaxable                                              1,250          788          854
     Federal Home Loan Bank stock .                                                3,301          149          237
     Federal funds sold and securities purchased under agreement to resell .      15,017        1,351           14
     Deposits with banks                                                             656          673        1,259
     Agency preferred stock                                                        1,621           0            0
     Total interest and dividend income                                          589,951      528,731      489,594       70,125
     Time deposits of $100,000 or more                                           111,293       83,349       54,219            0
     Other deposits                                                               66,417       50,207       29,943            0
     Interest on securities sold under agreements to repurchase                   60,559       65,182       66,141       66,343
     Advances from the Federal Home Loan Bank .                                   46,512       42,442       37,527
     Long-term debt                                                                9,090        4,835        3,852           4,278
     Short-term borrowings .                                                         933           24             6
     Total interest expense .                                                    294,804      246,039      191,688       70,621

     Net interest income before provision for credit losses .                    295,147      282,692      297,906           -496
     Provision for credit losses .                                               106,700      307,000      156,900              0
     Net interest income/(loss) after provision for credit losses                188,447      -24,308      141,006           -496

     Securities gains/(losses), net                                               -5,971       55,644       18,695
     Letters of credit commissions .                                               5,613        4,216        4,466           4,500
     Depository service fees                                                       4,741        5,206        5,220           5,000
     Other operating income .                                                     14,524       13,588        3,870
     Total non-interest income .                                                  18,907       78,654       32,251        9,500
     Salaries and employee benefits                                               66,626       60,795       58,835       58,000
     Occupancy expense .                                                          13,236       16,109       12,188       12,000
     Computer and equipment expense .                                              7,859        7,856        8,230        8,000
     Professional services expense .                                              12,011       16,428       17,630
     FDIC and State assessments                                                    4,809       19,386       19,549
     Marketing expense .                                                           3,616        2,593        3,160           3,000
     Other real estate owned                                                       4,953       36,075       16,011
     Operations of investments in affordable housing                               7,397        7,338        7,611           7,500
     Amortization of core deposit premium                                          6,909        6,636        5,958
     Cost associated with debt redemption .                                           0            0        14,261
     Other operating expense .                                                     9,260        9,821       12,278
     Total non-interest expense                                                  136,676      183,037      175,711       88,500

(Loss)/income before income tax (benefit)/expense                                 70,678     -128,691       -2,454      -79,496
Income tax (benefit)/expense                                                      19,554      -61,912      -14,629      -27,029
Net income/(loss) .                                                               51,124      -66,779       12,175      -52,467
     Less: net income attributable to noncontrolling interest .                     -603         -611         -610         -610
Net income/(loss) attributable to Cathay General Bancorp .                        50,521      -67,390       11,565      -53,077
Dividends on preferred stock                                                      -1,140      -16,338      -16,388
Net (loss)/income attributable to common stockholders                             49,381      -83,728       -4,823      -53,077

Growth
Interest income                                                                            -10.38%       -7.40%       -85.68%
Interest expense                                                                           -16.54%      -22.09%       -63.16%
Non-interest income                                                                        316.00%      -59.00%       -70.54%
Non-interest expense                                                                        33.92%       -4.00%       -49.63%
Tax rate                                                                       27.67%       48.11%      596.13%       34.00%
                                      Interest/Asset                                               Weighting
2012           2013           2008          2009       2010    2011    2012    2013         2008
        0              0      6.16%         6.02%      5.75%   5.50%   5.00%   5.00%    76.65%
   70,125         70,125      3.76%         3.49%      3.75%   3.50%   3.50%   3.50%    19.64%
                                                                                        0.21%
                                                                                        0.56%
                                                                                        2.55%
                                                                                        0.11%
                                                                                        0.27%
   70,125         70,125      5.46%        5.39%       5.29%                           100.00%
        0              0      3.45%        2.39%       1.70%   2.00%   2.00%   2.00%    37.75%
        0              0      1.84%        1.25%       0.79%   1.00%   1.00%   1.00%    22.53%
   66,343         66,343      3.76%        4.19%       4.24%   4.25%   4.25%   4.25%    20.54%
                              3.21%        4.57%       6.82%                            15.78%
       4,278          4,278   5.31%        2.83%       2.25%   2.50%   2.50%   2.50%    3.08%
                                                                                        0.32%
   70,621         70,621      3.16%        3.02%       3.45%                           100.00%
       -496           -496    2.30%        2.37%       1.84%
          0              0
       -496           -496



       4,500          4,500
       5,000          5,000

    9,500          9,500
   58,000         58,000
   12,000         12,000
    8,000          8,000



       3,000          3,000

       7,500          7,500




   88,500         88,500

  -79,496        -79,496
  -27,029        -27,029
  -52,467        -52,467
     -610           -610
  -53,077        -53,077

  -53,077        -53,077



 0.00%          0.00%
 0.00%          0.00%
 0.00%          0.00%
 0.00%          0.00%
34.00%         34.00%
Weighting
      2009     2010   2011   2012   2013
  76.00%   77.75%
  23.44%   21.77%
  0.15%    0.17%
  0.03%    0.05%
  0.26%    0.00%
  0.13%    0.26%
  0.00%    0.00%
 100.00% 100.00%
  33.88%   28.29%
  20.41%   15.62%
  26.49%   34.50%
  17.25%   19.58%
  1.97%    2.01%
  0.01%    0.00%
 100.00% 100.00%
                                                                                                       2008         2009         2010
Cash Flows from Operating Activities
Net income/-loss)                                                                                         51,124      -66,779       12,175
Adjustments to reconcile net income to net cash provided by operating activities:
     Provision for credit losses                                                                         106,700      307,000      156,900
     Provision for losses on other real estate owned                                                       3,604       28,216       20,139
     Deferred tax benefit .                                                                              -50,851      -37,115      -38,504
     Depreciation                                                                                          4,166        7,695        4,619
     Net -gains)/losses on sale and transfers of other real estate owned .                                    11        2,065       -9,977
     Net gains on sale of loans                                                                             -314       -4,761         -149
     Net gains on sale of loans held for sale                                                                 0            0          -779
     Proceeds from sale of loans .                                                                        10,599       44,597        7,481
     Originations of loans held for sale                                                                  -3,112       -9,418       -7,332
     Write-downs on loans held for sale                                                                       0            0         3,160
     Increase in unrealized loss from interest rate swaps                                                     0            0         5,814
     Purchase of trading securities                                                                           0            0        -3,795
     Federal Home Loan Bank stock dividends                                                               -3,749           0            0
     Write-down on venture capital and other investments                                                   1,458        1,982          515
     Write-down on impaired securities                                                                    35,331          817          492
     Gain on sales and calls of securities                                                               -29,360      -56,461      -19,253
     Other non-cash interest .                                                                               -11             7        -794
     Amortization of security premiums, net .                                                              2,035        2,816        6,667
     Amortization of other intangible assets .                                                             7,006        6,703        6,034
     Excess tax short-fall from stock options                                                                247          196          539
     Stock based compensation expense .                                                                    7,708        5,725        3,337
     Gains on sale of premises and equipment .                                                               -21           0            0
     Decrease in accrued interest receivable                                                               9,429        7,621          600
     Noncontrolling interest .                                                                              -603         -611         -610
     Decrease/-increase) in other assets, net .                                                           24,305      -63,426       34,594
     Decrease in other liabilities                                                                        -7,951      -30,461      -13,368
          Net cash provided by operating activities                                                      167,751      146,408      168,505
Cash Flows from Investing Activities
Decrease/-increase) in short-term investments .                                                          -22,722     -229,726       48,404
Decrease in long-term investments .                                                                       50,000           0            0
-Increase)/decrease in securities purchased under agreements to resell                                   315,100      201,000     -110,000
Purchase of investment securities available-for-sale .                                                 -1,780,694   -1,573,823   -3,366,780
Proceeds from maturity and call of investment securities available-for-sale                             1,063,538    1,428,468    2,876,414
Proceeds from sale of investment securities available-for-sale                                            651,423       51,679       65,139
Purchase of mortgage-backed securities available-for-sale                                              -2,536,115   -2,487,276            0
Proceeds from repayment and sale of mortgage-backed securities available-for-sale                       1,898,882    2,760,904    1,351,018
Purchase of investment securities held-to-maturity                                                            0       -99,858     -150,164
Purchase of mortgage-backed securities held-to-maturity                                                       0      -536,262     -165,527
Proceeds from maturity and call of investment securities held-to-maturity                                     0         1,057      108,067
Purchase of Federal Home Loan Bank stock .                                                                 -7,820          0            0
Redemption of Federal Home Loan Bank stock .                                                                5,498          0         7,918
Net -increase)/decrease in loans                                                                         -893,978     177,690     -151,054
Purchase of premises and equipment                                                                        -24,195     -12,222       -4,979
Proceeds from sales of premises and equipment .                                                                21          0            0
Proceeds from sales of other real estate owned .                                                              683      52,902       91,154
Net increase in investment in affordable housing .                                                        -15,143     -14,116       -3,015
          Net cash used in investing activities                                                        -1,295,522    -279,583      596,595

Cash Flows from Financing Activities
Net increase/-decrease) in demand deposits, NOW accounts, money market and saving deposits                -66,662      529,359     224,122
Net -decrease)/increase in time deposits                                                                  625,031      138,945    -736,549
Net increase/-decrease) in federal funds purchased and securities sold under agreement to repurchase      229,975     -105,000       4,000
Advances from Federal Home Loan Bank . .                                                                4,253,534      816,000     528,000
Repayment of Federal Home Loan Bank borrowings                                                         -4,179,352   -1,336,000    -907,362
Cash dividends .                                                                                          -20,977      -22,460     -16,040
Issuance of Series B preferred stock                                                                      240,554           0           0
Issuance of common stock warrant                                                                           17,673           0           0
Issuance of common stock                                                                                       0       119,448     124,928
Proceeds from other borrowings                                                                             20,629        7,212       1,253
Repayment of other borrowings                                                                             -28,930           0           0
Proceeds from shares issued to Dividend Reinvestment Plan .                                                 2,551        1,160         310
Proceeds from exercise of stock options                                                                       373           13          0
Excess tax short-fall from share-based payment arrangements                                                  -247         -196        -539
         Net cash provided by financing activities   1,094,152   148,481   -777,877

Increase/-decrease) in cash and cash equivalents      -33,619     15,306   -12,777
Cash and cash equivalents, beginning of the year      118,437     84,818   100,124
Cash and cash equivalents, end of the year             84,818    100,124    87,347

                                                     74,182 -520,000 -379,362
2011        2012        2013
  -52,467     -52,467     -52,467

                                    IS: Provision for credit losses

                                    BS: Depreciation; IS: Depreciation




       0           0           0




       0           0           0

    -610        -610        -610    IS: net income attributable to noncontrolling interest .

  -53,077     -53,077     -53,077


       0           0           0

                                    BS: Available for Sale
                                    BS: Available for Sale
                                    BS: Available for Sale
                                    BS: Available for Sale
                                    BS: Available for Sale


                   0           0    BS: Federal Homes Loan Stock
                                    BS: Federal Homes Loan Stock
                                    BS: Premises and equipment, net
       0           0           0


       0           0           0




                                    BS:Advances from Federal Home Loan Bank
                                    BS:Advances from Federal Home Loan Bank
       0           0           0
       0           0           0

                                    BS:Other borrowings from financial institutions
       0           0           0

       0           0           0
     0         0         0

-53,077   -53,077   -53,077
 87,347    34,270   -18,808
 34,270   -18,808   -71,885
                                       ASSETS                                           2008         2009         2010         2011
Cash and due from banks                                                                    84,818      100,124       87,347      34,270
Short-term investments and interest bearing deposits                                       25,000      254,726      206,321
Securities purchased under agreements to resell                                           201,000            0      110,000
Securities held-to-maturity (market value of $837,359 in 2010 and $628,908 in 2009)              0     635,015      840,102
Securities available-for-sale (amortized cost of $2,005,330 in 2010 and $2,916,491 in    3,083,817    2,915,099    2,003,567   2,003,567
2009)
Trading securities                                                                              12           18        3,818
Loans held for sale                                                                              0      54,826         2,873
Loans                                                                                    7,472,368    6,899,142    6,868,621
     Less: Allowance for loan losses                                                      -122,093     -211,889     -245,231
           Unamortized deferred loan fees, net                                             -10,094       -8,339       -7,621
     Loans, net                                                                          7,340,181    6,678,914    6,615,769          0
Federal Home Loan Bank stock                                                               71,791       71,791       63,873      63,873
Other real estate owned, net                                                               61,015       71,014       77,740
Affordable housing investments, net                                                       103,562       95,853       88,472
  Premises and equipment, gross                                                           108,273      116,329      113,614     109,456
  Depreciation                                                                               4,166        7,695        4,619          0
Premises and equipment, net                                                               104,107      108,635      109,456     109,456
Customers’ liability on acceptances                                                        39,117       26,554       14,014
Accrued interest receivable                                                                43,603       35,982       35,382
Goodwill                                                                                  319,557      316,340      316,340     316,340
Other intangible assets, net                                                               29,246       23,157       17,044
Other assets                                                                               75,813      200,184      209,868     209,868
     Total assets                                                                       11,582,639   11,588,232   10,801,986   2,737,374
                LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits
        Non-interest-bearing demand deposits                                              730,433      864,551      930,300
     NOW deposits                                                                         257,234      337,304      418,703
     Money market deposits                                                                659,454      943,164      982,617
     Savings deposits                                                                     316,263      347,724      385,245
     Time deposits under $100,000                                                        1,644,407    1,529,954    1,081,266
     Time deposits of $100,000 or more                                                   3,228,945    3,482,343    3,193,715
     Total deposits                                                                      6,836,736    7,505,040    6,991,846          0
Securities sold under agreements to repurchase                                           1,610,000    1,557,000    1,561,000   1,561,000
Advances from the Federal Home Loan Bank                                                 1,449,362     929,362      550,000     550,000
Other borrowings from financial institutions                                                     0        7,212        8,465      8,465
Other borrowings for affordable housing investments                                        19,500       19,320       19,111      19,111
Long-term debt                                                                            171,136      171,136      171,136     171,136
Acceptances outstanding                                                                    39,117       26,554       14,014
Other liabilities                                                                          103,401       59,864       50,309
     Total liabilities                                                                  10,229,252   10,275,488    9,365,881   2,309,712


Commitments and contingencies                                                                    0           0            0
Stockholders’ Equity
     Preferred stock, 10,000,000 shares authorized, 258,000 issued and outstanding in            3     243,967      247,455
     2010 and stock, $0.01 par value, 100,000,000 shares authorized, 82,739,348
     Common 2009                                                                               537          677          827
    issued and 78,531,783
Additional paid-in-capital outstanding at December 31, 2010, and 67,667,155 issued        749,164      634,623      762,509
Accumulated other comprehensive income/(loss), net                                          23327         -875        -1,022
Retained earnings                                                                         645,592      551,588      543,625     490,548
     Treasury stock, at cost (4,207,565 shares at December 31, 2010, and at               -125,736     -125,736     -125,736
     Total Cathay 2009) Bancorp stockholders’ equity
     December 31, General
                                                                                         1,292,887    1,304,244    1,427,658    490,548
     Noncontrolling interest                                                                     0        8,500        8,447
     Total equity                                                                        1,292,887    1,312,744    1,436,105    490,548
     Total liabilities and equity                                                       11,522,139   11,588,232   10,801,986   2,800,260
2012        2013
  -18,808     -71,885




2,003,567   2,003,567




       0           0
  63,873      63,873



 109,456     109,456
       0           0
 109,456     109,456



 316,340     316,340


 209,868     209,868
2,684,296   2,631,219




       0           0
1,561,000   1,561,000
 550,000     550,000
   8,465       8,465
  19,111      19,111
 171,136     171,136



2,309,712   2,309,712




 437,470     384,393


 437,470     384,393


 437,470     384,393
2,747,182   2,694,105
 Cash and due from banks
                                                          84,818      118,437
 Short-term investments
                                                          25,000         2,278
 Securities purchased under agreements to resell
                                                         201,000      516,100
 Long-term certificates of deposit
                                                               0       50,000
 Securities available-for-sale -amortized cost of
 $3,043,566 in 2008 and $2,348,606 in 2007)
                                                        3,083,817    2,347,665
 Trading securities
                                                              12         5,225
 Loans
                                                        7,472,368    6,683,645
      Less: Allowance for loan losses
                                                         -122,093      -64,983
            Unamortized deferred loan fees
                                                          -10,094      -10,583


      Loans, net
                                                        7,340,181    6,608,079
 Federal Home Loan Bank stock
                                                          71,791       65,720
 Other real estate owned, net
                                                          61,015       16,147
 Investments in affordable housing partnerships, net
                                                         103,562       94,000
 Premises and equipment, net
                                                         104,107       76,848
 Customers’ liability on acceptances
                                                          39,117       53,148
 Accrued interest receivable
                                                          43,603       53,032
 Goodwill
                                                         319,557      319,873
 Other intangible assets
                                                          29,246       36,097
 Other assets
                                                          75,813       39,883


      Total assets
                                                       11,582,639   10,402,532


LIABILITIES AND STOCKHOLDERS’ EQUITY

 Deposits
      Non-interest-bearing demand deposits
                                                         730,433      785,364
      Interest-bearing accounts:
            NOW accounts
                                                         257,234      231,583
            Money market accounts
                                                         659,454      681,783
            Saving accounts
                                                         316,263      331,316
            Time deposits under $100,000
                                                        1,644,407    1,311,251
            Time deposits of $100,000 or more
                                                        3,228,945    2,937,070


            Total deposits
                                                        6,836,736    6,278,367
 Federal funds purchased
                                                          52,000       41,000
 Securities sold under agreements to repurchase
                                                        1,610,000    1,391,025
 Advances from the Federal Home Loan Bank
                                                        1,449,362    1,375,180
 Other borrowings from financial institutions
                                                               0         8,301
 Other borrowings for affordable housing investments
                                                          19,500       19,642
 Minority interest in consolidated subsidiary
                                                            8,500        8,500
 Long-term debt
                                                         171,136      171,136
 Acceptances outstanding
                                                          39,117       53,148
Other liabilities
                                                      103,401       84,314


     Total liabilities
                                                    10,289,752    9,430,613
Commitments and contigencies
                                                            0            0
Stockholders’ equity
     Preferred stock, $0.01 par value; 10,000,000
     shares authorized, 258,000 issued and
     outstanding in 2008 and none in 2007
                                                            3            0
     Common stock, $0.01 par value; 100,000,000
     shares authorized, 53,715,815 issued and
     49,508,250 outstanding in 2008, and
     53,543,752 issued and 49,336,187 outstanding
     in 2007
                                                         537          535
Additional paid-in-capital
                                                      749,164      480,557
Accumulated other comprehensive income -loss),
net                                                    23,327         -545
Retained earnings
                                                      645,592      617,108
Treasury stock, at cost -4,207,565 shares in 2008
and in 2007)                                          -125,736     -125,736


     Total stockholders’ equity
                                                     1,292,887     971,919


     Total liabilities and stockholders’ equity
                                                    11,582,639   10,402,532

				
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