First Hawaiian Q2 net income $59.4M, EPS $0.46; NIM up 18 bps to 2.60%

FIRST HAWAIIAN, INC.

Net income $59.4M, diluted EPS $0.46; efficiency ratio improved to 57.3% from 59.0% QoQ.
Total loans and leases grew $371M to $13.3B; total deposits grew $331M to $22.6B with cost of deposits at 0.08%.
Net interest margin expanded 18 bps to 2.60%; balance sheet positioned to benefit from rising rates with 39% of loans repricing within 90 days.
Excellent credit quality: NPAs+90s/Loans+OREO at 0.39%, reserves/loans at 1.07%, and record low net charge-offs.
Well-capitalized with CET1 ratio 11.98%; declared $0.26/share dividend and repurchased 0.3M shares in Q2.

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