Territorial Bancorp Inc. (NASDAQ: TBNK) (the “Company”),
headquartered in Honolulu, Hawaii, the holding company parent of
Territorial Savings Bank, announced net income of $880,000, or
$0.10 per diluted share, for the three months ended September 30,
2023.
In light of the lower level of earnings in the third quarter of
2023 and the highly uncertain interest rate and economic
environment in the near term, the Board of Directors determined it
is prudent to reduce the dividend this quarter to $0.05 per share.
The dividend is expected to be paid on November 24, 2023, to
stockholders of record as of November 9, 2023.
“Today’s interest rate environment continues to be challenging
to the banking industry. The steep increases in interest rates have
resulted in higher mortgage rates, which caused many potential
homebuyers to hesitate before buying a home. These
developments have led to lower loan volumes and higher interest
costs, which have impacted our net interest margins. We are being
diligent in controlling our expenses as we work through this
current interest rate environment. Competition for deposits and
pricing are impacting financial performance across the banking
industry, and while we expect our net interest margins to continue
decreasing through the remainder of 2023, our focus remains on
maintaining our solid asset quality. We have strengthened our
liquidity levels and have been able to maintain our strong capital
levels, which are above regulatory required levels” said Allan
Kitagawa, Chairman and CEO.
Interest Income
Net interest income decreased by $4.31 million to $10.03 million
for the three months ended September 30, 2023, from $14.34 million
for the three months ended September 30, 2022. Total interest
income was $17.38 million for the three months ended September 30,
2023, compared to $16.15 million for the three months ended
September 30, 2022. The $1.23 million increase in total interest
income was primarily due to a $678,000 increase in interest earned
on other investments and a $510,000 increase in interest earned on
loans. Interest income on other investments rose by
$678,000 from $373,000 for the three months ended September 30,
2022, to $1.05 million for the three months ended September 30,
2023. The increase in interest income on other investments is
primarily due to a 298 basis point increase in the interest rate
paid on cash balances at the Federal Reserve Bank (FRB) and an
$18.36 million increase in the average cash balance with the FRB.
The increase in interest income on loans resulted from a $19.96
million increase in the average loan balance together with a 10
basis point increase in the average loan yield.
Interest Expense and Provision for Credit
Losses
As a result of the increases in short-term interest rates, total
interest expense increased by $5.54 million to $7.35 million for
the three months ended September 30, 2023, from $1.81 million for
the three months ended September 30, 2022. Interest expense on
deposits increased by $4.17 million to $5.41 million for the three
months ended September 30, 2023, from $1.24 million for the three
months ended September 30, 2022. The increase in interest expense
on deposits was primarily due to an increase in interest expense on
certificates of deposit (CD). Interest expense on CDs rose by $3.72
million from $1.00 million for the three months ended September 30,
2022, to $4.72 million for the three months ended September 30,
2023. The increase in interest expense was primarily due to a 254
basis point increase in the average cost of CDs and a $174.70
million increase in the average CD balance. The increase in the
average cost of CDs occurred as interest rates were raised in
response to the increase in market interest rates. The increase in
the average balance of CDs occurred as customers transferred
balances from lower rate savings accounts to higher rate CDs.
Interest expense on Federal Home Loan Bank (FHLB) advances rose
from $522,000 for the three months ended September 30, 2022, to
$1.90 million for the three months ended September 30, 2023. The
increase in interest expense on FHLB advances rose primarily
because of a 143 basis point increase in the average cost of
advances and a $119.62 million increase in the average advance
balance. Additional FHLB advances were obtained in 2023
to enhance the Company’s liquidity and to fund deposit
withdrawals.
The Company reversed $259,000 of credit loss provisions in the
three months ended September 30, 2023 and $109,000 of credit loss
provisions in the three months ended September 30, 2022. In 2023,
the Company adopted the current expected credit loss (CECL)
accounting standard to calculate its allowance for credit
losses. The decrease in the credit loss provision for the
three months ended September 30, 2023 is primarily due to a
decrease in forecasted charge-offs in the real estate portfolio
that was partially offset by a decrease in forecasted
prepayments.
Noninterest Income
Noninterest income was $589,000 for the three months ended
September 30, 2023, compared to $615,000 for the three months ended
September 30, 2022.
Noninterest Expense
Noninterest expense decreased to $9.67 million for the three
months ended September 30, 2023, compared to $9.77 million for the
three months ended September 30, 2022. Salaries and employee
benefits decreased by $337,000 to $5.18 million for the three
months ended September 30, 2023, from $5.51 million for the three
months ended September 30, 2022. The reduction in salaries and
employee benefits is due to a decrease in deferred compensation
accruals and accruals for the employee stock ownership plan (ESOP).
The decrease in ESOP accruals is primarily due to a decline in the
Company’s share price which is used to calculate the accrual.
Occupancy expenses rose from $1.68 million for the three months
ended September 30, 2022, to $1.82 million for the three months
ended September 30, 2023, primarily because of an increase in
repair and maintenance expenses. Federal Deposit Insurance
Corporation (FDIC) premium expense rose from $145,000 for the three
months ended September 30, 2022, to $246,000 for the three months
ended September 30, 2023, because of an increase in the FDIC
insurance premium rate.
Income
Taxes Income
tax expense for the three months ended September 30, 2023 was
$335,000 with an effective tax rate of 27.57% compared to $1.41
million with an effective tax rate of 26.53% for the three months
ended September 30, 2022. The decrease in income tax expense was
primarily due to a $4.08 million decrease in income before income
taxes during the three months ended September 30, 2023, compared to
the three months ended September 30, 2022.
Balance Sheet
Total assets were $2.21 billion at September 30, 2023 and $2.17
billion at December 31, 2022. Loans receivable increased by $14.63
million and was $1.31 billion at September 30, 2023 and $1.29
billion at December 31, 2022. The increase in loans receivable
occurred as new loan originations exceeded loan repayments and
sales. Investment securities, including available for sale
securities, decreased by $23.81 million to $714.78 million at
September 30, 2023 from $738.59 million at December 31, 2022. The
decrease in investment securities occurred because of principal
repayments on mortgage-backed securities. Cash and cash equivalents
increased by $48.57 million to $89.12 million at September 30, 2023
from $40.55 million at December 31, 2022. The increase
in cash and cash equivalents occurred as the Company obtained
additional advances from the Federal Home Loan Bank to enhance its
liquidity.
Deposits decreased by $65.14 million from $1.72 billion at
December 31, 2022 to $1.65 billion at September 30, 2023. The
decrease in deposits occurred as customers sought higher interest
rates on their deposits than what the Company offers.
As of September 30, 2023, approximately 85% of total deposits are
FDIC insured or fully collateralized. FHLB advances increased by
$115.00 million to $256.00 million at September 30, 2023 from
$141.00 million at December 31, 2022. The proceeds from the
advances were used to enhance liquidity and to fund deposit
withdrawals. Total stockholders’ equity decreased to
$248.75 million at September 30, 2023 from $256.55 million at
December 31, 2022. The decrease in stockholders’ equity occurred
primarily because the Company’s dividends paid to shareholders,
share repurchases, and the impact to retained earnings from the
adoption of the CECL standard to calculate its allowance for credit
losses exceeded the Company’s net income.
Capital Management
The Company completed its twelfth share repurchase program and
repurchased 21,898 shares during the three months ending September
30, 2023. Through September 30, 2023, the Company has repurchased
4,417,953 shares through all of its share repurchase programs. The
shares repurchased represent 36.11% of the total shares issued in
its initial public offering.
Asset Quality
In August 2023, wildfires on Maui partially or completely
destroyed 11 homes which were collateral for $3.06 million of
mortgage loans held by the Company. In September, a $164,000
mortgage loan on one of the homes was paid off. At September 30,
2023, the Company had $2.88 million of mortgage loans which were
collateralized by homes partially or completely destroyed in the
Maui wildfires and all of these loans were current. All of the
homes which were destroyed are insured and the Company does not
expect to incur a loss on these loans. The Company also has $18.77
million of mortgage loans on Maui at September 30, 2023 which were
not affected by the wildfires. As of September 30, 2023, all of
these loans are current.
Credit quality continues to be extremely important as the Bank
adheres to its strict underwriting standards. The Company had
$279,000 in delinquent mortgage loans 90 days or more past due at
September 30, 2023, compared to $559,000 at December 31, 2022.
Non-performing assets totaled $2.32 million at September 30, 2023,
compared to $2.30 million at December 31, 2022. The ratio of
non-performing assets to total assets was 0.10% at September 30,
2023 and 0.11% at December 31, 2022. The allowance for credit
losses at September 30, 2023 was $5.00 million and represented
0.38% of total loans, compared to $2.03 million and 0.16% of total
loans as of December 31, 2022. The increase in the ratio of
allowance for credit losses to total loans occurred when the
Company adopted the CECL accounting standard to calculate its
allowance for credit losses on January 1, 2023. Upon adoption of
the standard, the Company recorded a $3.16 million increase to its
allowance for credit losses. The ratio of the allowance for credit
losses to non-performing loans rose to 216.11% at September 30,
2023, compared to 88.31% at December 31, 2022 as a result of the
increase in the allowance for credit losses.
About Us
Our Lahaina Branch was destroyed in the Maui wildfire. Our
Branch was leased and the leasehold improvements and furniture and
fixtures had a book value of $5,000, which was written off in the
quarter ending September 30, 2023.
Territorial Bancorp Inc., headquartered in Honolulu, Hawaii, is
the stock holding company for Territorial Savings Bank. Territorial
Savings Bank is a state chartered savings bank which was originally
chartered in 1921 by the Territory of Hawaii.
Territorial Savings Bank conducts business from its headquarters in
Honolulu, Hawaii and has 29 branch offices in the state of Hawaii.
For additional information, please visit the Company’s website at:
https://www.tsbhawaii.bank.
Forward-looking statements - this earnings
release contains forward-looking statements, which can be
identified by the use of words such as “estimate,” “project,”
“believe,” “intend,” “anticipate,” “plan,” “seek,” “expect,”
“will,” “may” and words of similar meaning. These forward-looking
statements include, but are not limited to:
- statements of our goals, intentions and expectations;
- statements regarding our business plans, prospects, growth and
operating strategies;
- statements regarding the asset quality of our loan and
investment portfolios; and
- estimates of our risks and future costs and benefits.
These forward-looking statements are based on our current
beliefs and expectations and are inherently subject to significant
business, economic and competitive uncertainties and contingencies,
many of which are beyond our control. In addition, these
forward-looking statements are subject to assumptions with respect
to future business strategies and decisions that are subject to
change. We are under no duty to and do not take any obligation to
update any forward-looking statements after the date of this
earnings release.
The following factors, among others, could cause actual results
to differ materially from the anticipated results or other
expectations expressed in the forward-looking statements:
- general economic conditions, either internationally, nationally
or in our market areas, that are worse than expected;
- competition among depository and other financial
institutions;
- inflation and changes in the interest rate environment that
reduce our margins or reduce the fair value of financial
instruments;
- adverse changes in the securities markets;
- changes in laws or government regulations or policies affecting
financial institutions, including changes in regulatory fees and
capital requirements;
- changes in monetary or fiscal policies of the U.S. Government,
including policies of the U.S. Treasury and the Federal Reserve
Board;
- our ability to enter new markets successfully and capitalize on
growth opportunities;
- our ability to successfully integrate acquired entities, if
any;
- changes in consumer demand, spending, borrowing and savings
habits;
- changes in accounting policies and practices, as may be adopted
by the bank regulatory agencies, the Financial Accounting Standards
Board, the Securities and Exchange Commission and the Public
Company Accounting Oversight Board;
- changes in our organization, compensation and benefit
plans;
- the timing and amount of revenues that we may recognize;
- the value and marketability of collateral underlying our loan
portfolios;
- our ability to retain key employees;
- cyberattacks, computer viruses and other technological risks
that may breach the security of our websites or other systems to
obtain unauthorized access to confidential information, destroy
data or disable our systems;
- technological change that may be more difficult or expensive
than expected;
- the ability of third-party providers to perform their
obligations to us;
- the ability of the U.S. Government to manage federal debt
limits;
- the quality and composition of our investment portfolio;
- the effect of any pandemic disease, including COVID-19, natural
disaster, war, act of terrorism, accident or similar action or
event;
- changes in market and other conditions that would affect our
ability to repurchase our common stock; and
- changes in our financial condition or results of operations
that reduce capital available to pay dividends.
Because of these and a wide variety of other uncertainties, our
actual future results may be materially different from the results
indicated by these forward-looking statements.
Territorial
Bancorp Inc. and Subsidiaries |
Consolidated
Statements of Income (Unaudited) |
(Dollars in
thousands, except per share data) |
|
|
|
|
|
|
|
|
Three Months
Ended |
|
Nine Months
Ended |
|
|
September 30, |
|
September 30, |
|
|
2023 |
|
|
2022 |
|
|
|
2023 |
|
|
|
2022 |
|
Interest
income: |
|
|
|
|
|
|
|
|
|
|
Loans |
|
$ |
11,886 |
|
|
$ |
11,376 |
|
|
$ |
35,037 |
|
|
$ |
33,909 |
|
Investment securities |
|
|
4,447 |
|
|
|
4,402 |
|
|
|
13,512 |
|
|
|
11,753 |
|
Other investments |
|
|
1,051 |
|
|
|
373 |
|
|
|
2,848 |
|
|
|
816 |
|
Total interest income |
|
|
17,384 |
|
|
|
16,151 |
|
|
|
51,397 |
|
|
|
46,478 |
|
|
|
|
|
|
|
|
|
|
|
|
Interest
expense: |
|
|
|
|
|
|
|
|
|
|
Deposits |
|
|
5,408 |
|
|
|
1,242 |
|
|
|
13,261 |
|
|
|
2,577 |
|
Advances from the Federal Home Loan Bank |
|
|
1,896 |
|
|
|
522 |
|
|
|
4,782 |
|
|
|
1,549 |
|
Securities sold under agreements to repurchase |
|
|
46 |
|
|
|
46 |
|
|
|
137 |
|
|
|
137 |
|
Total interest expense |
|
|
7,350 |
|
|
|
1,810 |
|
|
|
18,180 |
|
|
|
4,263 |
|
|
|
|
|
|
|
|
|
|
|
|
Net interest income |
|
|
10,034 |
|
|
|
14,341 |
|
|
|
33,217 |
|
|
|
42,215 |
|
Reversal of
provision for credit/loan losses |
|
|
(259 |
) |
|
|
(109 |
) |
|
|
(147 |
) |
|
|
(603 |
) |
|
|
|
|
|
|
|
|
|
|
|
Net interest income after reversal of provision for credit/loan
losses |
|
|
10,293 |
|
|
|
14,450 |
|
|
|
33,364 |
|
|
|
42,818 |
|
|
|
|
|
|
|
|
|
|
|
|
Noninterest
income: |
|
|
|
|
|
|
|
|
|
|
Service and other fees |
|
|
298 |
|
|
|
339 |
|
|
|
1,022 |
|
|
|
1,092 |
|
Income on bank-owned life insurance |
|
|
218 |
|
|
|
200 |
|
|
|
628 |
|
|
|
591 |
|
Net gain (loss) on sale of loans |
|
|
— |
|
|
|
— |
|
|
|
10 |
|
|
|
(3 |
) |
Other |
|
|
73 |
|
|
|
76 |
|
|
|
208 |
|
|
|
1,359 |
|
Total noninterest income |
|
|
589 |
|
|
|
615 |
|
|
|
1,868 |
|
|
|
3,039 |
|
|
|
|
|
|
|
|
|
|
|
|
Noninterest
expense: |
|
|
|
|
|
|
|
|
|
|
Salaries and employee benefits |
|
|
5,176 |
|
|
|
5,513 |
|
|
|
15,723 |
|
|
|
16,518 |
|
Occupancy |
|
|
1,819 |
|
|
|
1,682 |
|
|
|
5,201 |
|
|
|
4,924 |
|
Equipment |
|
|
1,263 |
|
|
|
1,317 |
|
|
|
3,878 |
|
|
|
3,749 |
|
Federal deposit insurance premiums |
|
|
246 |
|
|
|
145 |
|
|
|
737 |
|
|
|
429 |
|
Other general and administrative expenses |
|
|
1,163 |
|
|
|
1,112 |
|
|
|
3,251 |
|
|
|
3,291 |
|
Total noninterest expense |
|
|
9,667 |
|
|
|
9,769 |
|
|
|
28,790 |
|
|
|
28,911 |
|
|
|
|
|
|
|
|
|
|
|
|
Income
before income taxes |
|
|
1,215 |
|
|
|
5,296 |
|
|
|
6,442 |
|
|
|
16,946 |
|
Income
taxes |
|
|
335 |
|
|
|
1,405 |
|
|
|
1,749 |
|
|
|
4,235 |
|
Net income |
|
$ |
880 |
|
|
$ |
3,891 |
|
|
$ |
4,693 |
|
|
$ |
12,711 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Basic
earnings per share |
|
$ |
0.10 |
|
|
$ |
0.44 |
|
|
$ |
0.54 |
|
|
$ |
1.42 |
|
Diluted
earnings per share |
|
$ |
0.10 |
|
|
$ |
0.44 |
|
|
$ |
0.53 |
|
|
$ |
1.41 |
|
Cash
dividends declared per common share |
|
$ |
0.23 |
|
|
$ |
0.23 |
|
|
$ |
0.69 |
|
|
$ |
0.69 |
|
Basic
weighted-average shares outstanding |
|
|
8,577,632 |
|
|
|
8,802,010 |
|
|
|
8,656,915 |
|
|
|
8,885,626 |
|
Diluted
weighted-average shares outstanding |
|
|
8,602,888 |
|
|
|
8,846,611 |
|
|
|
8,698,383 |
|
|
|
8,938,808 |
|
|
|
|
|
|
|
|
|
|
|
|
Territorial
Bancorp Inc. and Subsidiaries |
Consolidated Balance
Sheets (Unaudited) |
(Dollars in
thousands, except per share data) |
|
|
|
|
|
|
|
|
|
September
30, |
|
December
31, |
|
|
2023 |
|
|
2022 |
|
ASSETS |
|
|
|
|
|
|
Cash and cash equivalents |
|
$ |
89,122 |
|
|
$ |
40,553 |
|
Investment
securities available for sale, at fair value |
|
|
19,143 |
|
|
|
20,821 |
|
Investment
securities held to maturity, at amortized cost (fair value of
$536,534 and $591,084 at September 30, 2023 and December 31, 2022,
respectively) |
|
|
695,641 |
|
|
|
717,773 |
|
Loans
receivable |
|
|
1,311,421 |
|
|
|
1,296,796 |
|
Allowance for credit/loan losses |
|
|
(5,003 |
) |
|
|
(2,032 |
) |
Loans
receivable, net of allowance for credit/loan losses |
|
|
1,306,418 |
|
|
|
1,294,764 |
|
Federal Home
Loan Bank stock, at cost |
|
|
12,844 |
|
|
|
8,197 |
|
Federal
Reserve Bank stock, at cost |
|
|
3,177 |
|
|
|
3,170 |
|
Accrued
interest receivable |
|
|
6,131 |
|
|
|
6,115 |
|
Premises and
equipment, net |
|
|
7,347 |
|
|
|
7,599 |
|
Right-of-use
asset, net |
|
|
12,964 |
|
|
|
14,498 |
|
Bank-owned
life insurance |
|
|
48,412 |
|
|
|
47,783 |
|
Deferred
income tax assets, net |
|
|
3,252 |
|
|
|
1,643 |
|
Prepaid
expenses and other assets |
|
|
6,776 |
|
|
|
6,676 |
|
Total assets |
|
$ |
2,211,227 |
|
|
$ |
2,169,592 |
|
|
|
|
|
|
|
|
LIABILITIES AND STOCKHOLDERS’ EQUITY |
|
|
|
|
|
|
Liabilities: |
|
|
|
|
|
|
Deposits |
|
$ |
1,651,013 |
|
|
$ |
1,716,152 |
|
Advances from the Federal Home Loan Bank |
|
|
256,000 |
|
|
|
141,000 |
|
Securities sold under agreements to repurchase |
|
|
10,000 |
|
|
|
10,000 |
|
Accounts payable and accrued expenses |
|
|
24,349 |
|
|
|
24,180 |
|
Lease liability |
|
|
17,385 |
|
|
|
15,295 |
|
Income taxes payable |
|
|
479 |
|
|
|
838 |
|
Advance payments by borrowers for taxes and insurance |
|
|
3,251 |
|
|
|
5,577 |
|
Total liabilities |
|
|
1,962,477 |
|
|
|
1,913,042 |
|
|
|
|
|
|
|
|
Stockholders' Equity: |
|
|
|
|
|
|
Preferred stock, $.01 par value; authorized 50,000,000
shares, no shares issued or outstanding |
|
|
— |
|
|
|
— |
|
Common stock, $.01 par value; authorized 100,000,000 shares;
issued and outstanding |
|
|
|
|
|
|
8,826,613 and 9,071,076 shares as of
September 30, 2023 and December 31, 2022, |
|
|
|
|
|
|
respectively |
|
|
88 |
|
|
|
91 |
|
Additional paid-in capital |
|
|
47,991 |
|
|
|
51,825 |
|
Unearned ESOP shares |
|
|
(2,569 |
) |
|
|
(2,936 |
) |
Retained earnings |
|
|
211,741 |
|
|
|
215,314 |
|
Accumulated other comprehensive loss |
|
|
(8,501 |
) |
|
|
(7,744 |
) |
Total stockholders’ equity |
|
|
248,750 |
|
|
|
256,550 |
|
Total liabilities and stockholders’ equity |
|
$ |
2,211,227 |
|
|
$ |
2,169,592 |
|
|
|
|
|
|
|
|
|
Territorial
Bancorp Inc. and Subsidiaries |
|
Selected Financial
Data (Unaudited) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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Three Months
Ended |
|
|
|
|
|
|
|
|
September 30, |
|
|
|
|
|
|
|
|
|
2023 |
|
|
|
2022 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Performance Ratios (annualized): |
|
|
|
|
|
|
|
|
Return on average assets |
|
|
|
|
0.16% |
|
|
|
0.71% |
|
|
|
Return on average equity |
|
|
|
|
1.39% |
|
|
|
5.98% |
|
|
|
Net interest margin on average interest earning assets |
|
1.90% |
|
|
|
2.75% |
|
|
|
Efficiency ratio (1) |
|
|
|
|
|
91.00% |
|
|
|
65.32% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
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|
At |
|
At |
|
|
|
|
|
|
|
|
September |
|
December |
|
|
|
|
|
|
|
|
|
30, 2023 |
|
|
|
31, 2022 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Selected Balance Sheet Data: |
|
|
|
|
|
|
|
|
Book value per share (2) |
|
|
|
$28.18 |
|
|
$28.28 |
|
|
|
Stockholders' equity to total assets |
|
|
|
11.25% |
|
|
|
11.83% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
Asset Quality |
|
|
|
|
|
|
|
|
|
(Dollars in thousands): |
|
|
|
|
|
|
|
|
|
Delinquent loans 90 days past due and not accruing |
$279 |
|
|
$559 |
|
|
|
Non-performing assets (3) |
|
|
|
$2,315 |
|
|
$2,301 |
|
|
|
Allowance for credit losses |
|
|
|
$5,003 |
|
|
$2,032 |
|
|
|
Non-performing assets to total assets |
|
|
|
0.10% |
|
|
|
0.11% |
|
|
|
Allowance for credit losses to total loans |
|
|
|
0.38% |
|
|
|
0.16% |
|
|
|
Allowance for credit losses to non-performing assets |
|
216.11% |
|
|
|
88.31% |
|
|
|
|
|
|
|
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Note: |
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|
(1) Efficiency ratio
is equal to noninterest expense divided by the sum of net interest
income and noninterest income |
|
(2) Book value per
share is equal to stockholders' equity divided by number of shares
issued and outstanding |
|
(3) Non-performing
assets consist of non-accrual loans and real estate owned. Amounts
are net of charge-offs |
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Contact: Walter Ida (808)
946-1400
Territorial Bancorp (NASDAQ:TBNK)
Gráfica de Acción Histórica
De Abr 2024 a May 2024
Territorial Bancorp (NASDAQ:TBNK)
Gráfica de Acción Histórica
De May 2023 a May 2024