FHB Q3 net income $58.2M ($0.46 EPS); Maui wildfire loan exposure $115.7M

FIRST HAWAIIAN, INC.

Net income $58.2M, diluted EPS $0.46; NIM 2.86%, down 5 bps QoQ; efficiency ratio 58.3%.
Total deposits grew $433.3M to $21.5B; loans declined $30.5M to $14.3B; CET1 ratio 12.21%.
Maui wildfire-affected area loans total $115.7M (Lahaina $84.7M, Kula $31.0M); no loans to electric utility.
Dividend declared at $0.26/share payable Dec 1, 2023; $40M stock repurchase authorization for 2023 unused YTD.
ROATCE 16.84% (annualized); cost of deposits 1.40%; well-capitalized with strong credit metrics.

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