First Hawaiian Q3 2022 net income $69M, EPS $0.54; NIM expands 33bps to 2.93%

FIRST HAWAIIAN, INC.

Net income $69.0M, diluted EPS $0.54; efficiency ratio improved to 54.0% from 57.3% QoQ.
Net interest margin expanded 33bps to 2.93%; loans grew $438M; deposits declined $510M, cost of deposits 0.24%.
CET1 ratio 11.79%; declared $0.26/share dividend; repurchased 0.1M shares under $75M buyback program.
ROATA 1.14% and ROATCE 21.53% for Q3 2022; credit quality excellent with $3.2M provision.
Investment portfolio duration stable at 5.5 years; loan-to-deposit ratio 62%.

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