<p>10 月 31 日（路透社）- First Guaranty Bancshares（FGBI.O）周五表示，第三季度出现亏损，因为该贷款机构计提了减值损失，并增加了与一家汽车零部件制造商破产相关的坏账准备。</p>
<p>包括 Fifth Third（FITB.O）和摩根大通（JPM.N）在内的几家美国银行最近受到汽车零部件制造商 First Brands 和次级贷款机构 Tricolor 破产的影响，引发市场担忧。</p>
<p>尽管整体信用质量依然强劲，但个别事件加剧了投资者对美国银行业风险的担忧，导致本月早些时候该行业出现抛售。</p>
<p>First Guaranty 表示，其对一家在第三季度申请第 11 章破产的未具名汽车零部件制造商的信用敞口为 5200 万美元。</p>
<p>该贷款机构未立即回应路透社关于破产汽车零部件制造商名称的请求。</p>
<p>本季度的信用损失准备金从去年同期的 490 万美元激增至 4790 万美元。</p>
<p>在前一交易日股价暴跌 17.5% 至七个月低点后，First Guaranty 的股价上涨了 2.4%。周四，该贷款机构发布了季度电话报告，这是提供银行财务健康状况细节的监管文件。</p>
<p>截至最后收盘，该银行的股价年初至今仍下跌 41.5%。</p>
<p>首席执行官 Michael Mineer 表示：“鉴于当前已知的事实，我们已采取主动措施为信用准备金。我们预计在第四季度将进一步明确我们的立场。”</p>
<p>“在此期间，我们将继续保持对这些商业租赁信用的高水平准备。”</p>
<p>截至 9 月 30 日的三个月内，该银行净亏损 4500 万美元，或每股 3.01 美元，而去年同期净利润为 190 万美元，或每股 11 美分。</p>
<p>本季度计提了 1290 万美元的商誉减值损失，因为其股票交易价格低于账面价值，并且准备金增加。</p>

FGBIP

<p>First Guaranty Bancshares 报告第三季度亏损 4500 万美元，或每股 3.01 美元，原因是因汽车零部件制造商破产而产生的减值费用和增加的不良贷款准备金。该银行与破产相关的信用风险敞口为 5200 万美元，并将其信用损失准备金提高至 4790 万美元。尽管最近股价下跌了 17.5%，但在公告后股价上涨了 2.4%。首席执行官 Michael Mineer 表示，已采取积极措施以应对信用风险，并预计在第四季度将有进一步的明朗化</p>

<p>Oct 31 (Reuters) - First Guaranty Bancshares (FGBI.O) on Friday said it has swung to a third-quarter loss, as the lender booked an impairment charge and increased reserves for bad loans linked to an auto parts manufacturer bankruptcy.</p>
<div class="lb-trans"><p>10 月 31 日（路透社）- First Guaranty Bancshares（FGBI.O）周五表示，第三季度出现亏损，因为该贷款机构计提了减值损失，并增加了与一家汽车零部件制造商破产相关的坏账准备。</p>
</div><p>Several U.S. banks, including Fifth Third (FITB.O) and JPMorgan Chase (JPM.N) , have recently been affected by the bankruptcies of auto parts maker First Brands and subprime lender Tricolor, raising market concerns.</p>
<div class="lb-trans"><p>包括 Fifth Third（FITB.O）和摩根大通（JPM.N）在内的几家美国银行最近受到汽车零部件制造商 First Brands 和次级贷款机构 Tricolor 破产的影响，引发市场担忧。</p>
</div><p>While overall credit quality remains strong, isolated events have heightened investor concerns about risks in the U.S. banking sector, sparking a selloff in the sector earlier this month.</p>
<div class="lb-trans"><p>尽管整体信用质量依然强劲，但个别事件加剧了投资者对美国银行业风险的担忧，导致本月早些时候该行业出现抛售。</p>
</div><p>First Guaranty said it has a $52 million credit exposure to entities related to an unnamed auto parts manufacturer that declared Chapter 11 bankruptcy during the third quarter.</p>
<div class="lb-trans"><p>First Guaranty 表示，其对一家在第三季度申请第 11 章破产的未具名汽车零部件制造商的信用敞口为 5200 万美元。</p>
</div><p>The lender did not immediately respond to Reuters’ request for the name of the bankrupt auto parts maker.</p>
<div class="lb-trans"><p>该贷款机构未立即回应路透社关于破产汽车零部件制造商名称的请求。</p>
</div><p>Provision for credit losses vaulted to $47.9 million in the quarter from $4.9 million a year earlier.</p>
<div class="lb-trans"><p>本季度的信用损失准备金从去年同期的 490 万美元激增至 4790 万美元。</p>
</div><p>First Guaranty’s shares rose by 2.4% following a 17.5% plunge in the previous session to a seven-month low. On Thursday, the lender released its quarterly call report, a regulatory filing that provides details about the bank’s financial health.</p>
<div class="lb-trans"><p>在前一交易日股价暴跌 17.5% 至七个月低点后，First Guaranty 的股价上涨了 2.4%。周四，该贷款机构发布了季度电话报告，这是提供银行财务健康状况细节的监管文件。</p>
</div><p>The bank’s stock remains down 41.5% year-to-date as of the last close.</p>
<div class="lb-trans"><p>截至最后收盘，该银行的股价年初至今仍下跌 41.5%。</p>
</div><p>“We have taken proactive steps to reserve against the credit, given the current known facts. We anticipate further clarification of our position in the fourth quarter,” CEO Michael Mineer said.</p>
<div class="lb-trans"><p>首席执行官 Michael Mineer 表示：“鉴于当前已知的事实，我们已采取主动措施为信用准备金。我们预计在第四季度将进一步明确我们的立场。”</p>
</div><p>“For the time being, we will retain the high level of reserve against these commercial lease credits.”</p>
<div class="lb-trans"><p>“在此期间，我们将继续保持对这些商业租赁信用的高水平准备。”</p>
</div><p>The bank swung to a net loss of $45 million, or $3.01 per share, in the three months ended September 30, versus a net profit of $1.9 million, or 11 cents per share, a year earlier.</p>
<div class="lb-trans"><p>截至 9 月 30 日的三个月内，该银行净亏损 4500 万美元，或每股 3.01 美元，而去年同期净利润为 190 万美元，或每股 11 美分。</p>
</div><p>It booked a $12.9 million goodwill impairment charge in the quarter, as its stock trades below book value and higher provisions.</p>
<div class="lb-trans"><p>本季度计提了 1290 万美元的商誉减值损失，因为其股票交易价格低于账面价值，并且准备金增加。</p>
</div>

First Guaranty Bancshares 因涉及汽车零部件破产而转为季度亏损