<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 財年 Q2，公佈值為 0.98 美元。</p><p>息税前利潤：截至 2025 財年 Q2，公佈值為 6.51 萬美元。</p><p></p><h3>財務數據和展望</h3><h4>運營結果</h4><ul><li>本次報告中未提供具體的財務數據如淨收入、毛利率、運營利潤、運營成本等。<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>現金流</h4><ul><li>本次報告中未提供具體的現金流數據。<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>淨收入</h4><ul><li>2025 年第二季度可供普通股股東的淨收入為 5636.3 萬美元，而 2024 年同期為 3945.6 萬美元。<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>貸款和存款</h4><ul><li>截至季度末，總貸款額為 132.97 億美元，較上一季度增長 2.976 億美元，年化增長率為 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>總存款額為 147.98 億美元，較上一季度增長 3.356 億美元，年化增長率為 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>資產質量</h4><ul><li>不良資產佔總資產的比例為 0.36%，較上一季度下降 11 個基點。<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>資本和股東權益</h4><ul><li>普通股一級資本比率為 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>總股東權益為 23.47952 億美元。<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>運營效率</h4><ul><li>效率比率為 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>主要財務指標</h4><ul><li>總資產：$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>總貸款：$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>總存款：$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（同比增長 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>淨收入：$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>淨利息收入：$133.0 Million（同比增長 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（同比增長 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（同比增長 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（同比增長 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>税後淨收入：$56.8 Million（同比增長 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>每股有形賬面價值：$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>貸款增長</h4><ul><li>商業貸款增長：$262 Million（同比增長 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 貸款增長：$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>公共財政貸款增長：$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 貸款增長：$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>消費者貸款增長：$36 Million（同比增長 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>住宅抵押貸款餘額增加：$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>存款增長</h4><ul><li>商業存款增長：$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>核心關係餘額下降：$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>公共資金餘額增加：$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>消費者存款下降：$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>投資組合</h4><ul><li>總投資組合：$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>淨未實現損失：$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>資產質量</h4><ul><li>非應計貸款：$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>其他房地產：$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 天逾期貸款：$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>分類貸款：$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>淨沖銷：$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>前瞻性聲明</h4><p>First Merchants Corporation 預計未來將繼續保持強勁的貸款和存款增長，同時保持穩健的資本位置和高效的運營效率。公司將繼續投資於數字化渠道，以簡化客户體驗，並通過收購增強增長和效率。<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 財年 Q2 每股收益 0.98 美元