First Hawaiian(US:FHB)2025-01-31 14:41Financial Performance - Net income decreased to $52.5 million in Q4 2024 from $61.5 million in Q3 2024 [4] - Diluted earnings per share (EPS) decreased to $0.41 in Q4 2024 from $0.48 in Q3 2024 [4] - Net interest margin increased by 8 basis points to 3.03% in Q4 2024 [5] - The efficiency ratio increased to 65.5% in Q4 2024 from 59.8% in Q3 2024 [4] - Return on average assets (ROA) decreased to 0.88% in Q4 2024 from 1.02% in Q3 2024 [4] - Return on average tangible common equity (ROATCE) decreased to 12.78% in Q4 2024 from 15.35% in Q3 2024 [4] Balance Sheet - Total loans and leases increased by $166.9 million [5] or 1.2% [10] - Total deposits increased by $94.5 million [5] or 0.5% [14] to $20,322.2 million [7] - Sold $290 million of AFS securities and reinvested proceeds into $292 million of securities [9] Capital & Dividends - The CET1 capital ratio was 12.8% [5] - A dividend of $0.26 per share was declared [5]