<span item_type="fundamental" item_id="c1e7a30a81b1da407897c5e3cb3596dc" counter_id="ST/US/FRMEP" env="prod"></span><span item_type="announcement" item_id="541471101199123073" env="prod"></span><p>每股收益：截至 2025 财年 Q2，公布值为 0.98 美元。</p><p>息税前利润：截至 2025 财年 Q2，公布值为 6.51 万美元。</p><p></p><h3>财务数据和展望</h3><h4>运营结果</h4><ul><li>本次报告中未提供具体的财务数据如净收入、毛利率、运营利润、运营成本等。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme-20250723.htm"></span></li></ul><h4>现金流</h4><ul><li>本次报告中未提供具体的现金流数据。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme-20250723.htm"></span></li></ul><h4>净收入</h4><ul><li>2025 年第二季度可供普通股股东的净收入为 5636.3 万美元，而 2024 年同期为 3945.6 万美元。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/a2q25earningsreleaseex991.htm"></span></li></ul><h4>贷款和存款</h4><ul><li>截至季度末，总贷款额为 132.97 亿美元，较上一季度增长 2.976 亿美元，年化增长率为 9.1%。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/a2q25earningsreleaseex991.htm"></span></li><li>总存款额为 147.98 亿美元，较上一季度增长 3.356 亿美元，年化增长率为 9.3%。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/a2q25earningsreleaseex991.htm"></span></li></ul><h4>资产质量</h4><ul><li>不良资产占总资产的比例为 0.36%，较上一季度下降 11 个基点。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/a2q25earningsreleaseex991.htm"></span></li></ul><h4>资本和股东权益</h4><ul><li>普通股一级资本比率为 11.35%。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/a2q25earningsreleaseex991.htm"></span></li><li>总股东权益为 23.47952 亿美元。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/a2q25earningsreleaseex991.htm"></span></li></ul><h4>运营效率</h4><ul><li>效率比率为 53.99%。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/a2q25earningsreleaseex991.htm"></span></li></ul><h4>主要财务指标</h4><ul><li>总资产：$18.6 Billion<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>总贷款：$14.8 Billion<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>总存款：$5.8 Billion<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>市值：$2.2 Billion<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>每股收益（EPS）：$0.981（同比增长 44.1%）<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>净收入：$56.4 Million（每股收益$0.98）<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>效率比率：53.99%<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>净利息收入：$133.0 Million（同比增长 2.1%）<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>非利息收入：$31.3 Million（同比增长 4.3%）<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>非利息支出：$93.6 Million（同比增长 0.8%）<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>税前收入：$65.1 Million（同比增长 3.0%）<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>税后净收入：$56.8 Million（同比增长 2.5%）<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>每股有形账面价值：$27.90（比上一季度增加$0.56）<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li></ul><h4>贷款增长</h4><ul><li>商业贷款增长：$262 Million（同比增长 10.7%）<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>C&amp;I 贷款增长：$147 Million<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>公共财政贷款增长：$58 Million<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>IRE 贷款增长：$36 Million<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>消费者贷款增长：$36 Million（同比增长 4.4%）<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>住宅抵押贷款余额增加：$13 Million<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li></ul><h4>存款增长</h4><ul><li>商业存款增长：$347 Million<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>核心关系余额下降：$126 Million<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>公共资金余额增加：$473 Million<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>消费者存款下降：$108 Million<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li></ul><h4>投资组合</h4><ul><li>总投资组合：$3.4 Billion<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>净未实现损失：$240.1 Million（AFS）和$335.9 Million（HTM）<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li></ul><h4>资产质量</h4><ul><li>非应计贷款：$67.4 Million<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>其他房地产：$0.2 Million<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>90 天逾期贷款：$4.4 Million<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>分类贷款：$373.5 Million<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li><li>净冲销：$2.3 Million<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></li></ul><h4>前瞻性声明</h4><p>First Merchants Corporation 预计未来将继续保持强劲的贷款和存款增长，同时保持稳健的资本位置和高效的运营效率。公司将继续投资于数字化渠道，以简化客户体验，并通过收购增强增长和效率。<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/712534/000071253425000167/frme2q2025earningsreleas.htm"></span></p>

First Merchants Pref Share FRMEP 7.5 Perp 08/15/25｜8-K：2025 财年 Q2 每股收益 0.98 美元