8-K

0001193125-20-012112.txt : 20200122 0001193125-20-012112.hdr.sgml : 20200122 20200122172240 ACCESSION NUMBER: 0001193125-20-012112 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20200122 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20200122 DATE AS OF CHANGE: 20200122 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CATHAY GENERAL BANCORP CENTRAL INDEX KEY: 0000861842 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 954274680 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-31830 FILM NUMBER: 20539654 BUSINESS ADDRESS: STREET 1: 777 N BROADWAY CITY: LOS ANGELES STATE: CA ZIP: 90012 BUSINESS PHONE: 2136254700 MAIL ADDRESS: STREET 1: 777 NORTH BROADWAY CITY: LOS ANGELES STATE: CA ZIP: 90012 FORMER COMPANY: FORMER CONFORMED NAME: CATHAY BANCORP INC DATE OF NAME CHANGE: 19930328 8-K 1 d874059d8k.htm 8-K 8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 22, 2020

CATHAY GENERAL BANCORP

(Exact name of registrant as specified in its charter)

Delaware

001-31830

95-4274680

(State or other jurisdiction

of incorporation)

(Commission

File Number)

(IRS Employer

Identification No.)


777 North Broadway, Los Angeles, California		90012
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code: (213) 625-4700

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange

on which registered

Common stock

CATY

Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934.

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02

Results of Operations and Financial Condition.

On January 22, 2020, Cathay General Bancorp announced, in a press release, its financial results for the quarter and year ended December 31, 2019. That press release is attached hereto as Exhibit 99.1.

The foregoing information and the attached exhibit are intended to be furnished only and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that Section, nor shall it be deemed incorporated by reference into any filing under the Securities Act of 1933.

Item 9.01

Financial Statements and Exhibits.

(d)

Exhibits


	99.1			Press Release of Cathay General Bancorp dated January 22, 2020
	104			Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

Date: January 22, 2020


CATHAY GENERAL BANCORP

By:		/s/ Heng W. Chen
		Heng W. Chen
		Executive Vice President and
		Chief Financial Officer

EXHIBIT INDEX


Number		Exhibit

	99.1	Press Release of Cathay General Bancorp dated January 22, 2020

	104	Cover Page Interactive Data File (embedded within the Inline XBRL document).

EX-99.1 2 d874059dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

Cathay General Bancorp Announces Fourth Quarter and Full Year 2019 Results

LOS ANGELES, Jan. 22, 2020 /PRNewswire/ — Cathay General Bancorp (the “Company”, “we”, “us”, or “our” NASDAQ: CATY), the holding company for Cathay Bank, today announced its unaudited financial results for the quarter and year ended December 31, 2019. The Company reported net income of $67.4 million, or $0.84 per share, for the fourth quarter of 2019, and net income of $279.1 million, or $3.48 per share, for the year ended December 31, 2019.

FINANCIAL PERFORMANCE


	Three months ended									Year ended December 31,
(unaudited)	December 31, 2019			September 30, 2019			December 31, 2018			2019			2018
Net income	$	67.4 million		$	72.8 million		$	64.6 million		$	279.1 million		$	271.9 million
Basic earnings per common share	$	0.85		$	0.91		$	0.80		$	3.49		$	3.35
Diluted earnings per common share	$	0.84		$	0.91		$	0.80		$	3.48		$	3.33
Return on average assets		1.49	%		1.65	%		1.56	%		1.61	%		1.70	%
Return on average total stockholders’ equity		11.75	%		12.98	%		12.07	%		12.63	%		13.18	%
Efficiency ratio		47.51	%		41.67	%		47.62	%		44.75	%		44.25	%

FULL YEAR HIGHLIGHTS

•

Total loans increased for the year by $1.1 billion, or 7.9%, to $15.1 billion from $14.0 billion in 2018.

•

Total deposits increased for the year by $1.0 billion, or 7.3%, to $14.7 billion from $13.7 billion in 2018.

“We reported record net income of $279.1 million and record EPS of $3.48 in 2019. Strong loan growth of $1.1 billion in 2019, or 7.9%, was a major contributor to the record results.” commented Pin Tai, Chief Executive Officer of the Company.

FOURTH QUARTER INCOME STATEMENT REVIEW

Net income for the quarter ended December 31, 2019, was $67.4 million, an increase of $2.8 million, or 4.3%, compared to net income of $64.6 million for the same quarter a year ago. Diluted earnings per share for the quarter ended December 31, 2019, was $0.84 compared to $0.80 for the same quarter a year ago.

Return on average stockholders’ equity was 11.75% and return on average assets was 1.50% for the quarter ended December 31, 2019, compared to a return on average stockholders’ equity of 12.07% and a return on average assets of 1.56% for the same quarter a year ago.

Net interest income before provision for credit losses

Net interest income before provision for credit losses decreased $4.2 million, or 2.9%, to $141.2 million during the fourth quarter of 2019, compared to $145.4 million during the same quarter a year ago. The decrease was due primarily to an increase in interest expense from time deposits, offset in part by an increase in interest income from loans and securities.

The net interest margin was 3.34% for the fourth quarter of 2019 compared to 3.77% for the fourth quarter of 2018 and 3.56% for the third quarter of 2019.

For the fourth quarter of 2019, the yield on average interest-earning assets was 4.53%, the cost of funds on average interest-bearing liabilities was 1.61%, and the cost of interest-bearing deposits was 1.55%. In comparison, for the fourth quarter of 2018, the yield on average interest-earning assets was 4.76%, the cost of funds on average interest-bearing liabilities was 1.36%, and the cost of interest-bearing deposits was 1.29%. The decrease in the yield on average interest-earning assets resulted mainly from lower rates on loans. The net interest spread, defined as the difference between the yield on average interest-earning assets and the cost of funds on average interest-bearing liabilities, was 2.92% for the quarter ended December 31, 2019, compared to 3.40% for the same quarter a year ago.

Reversal for credit losses

Based on a review of the appropriateness of the allowance for loan losses at December 31, 2019, the Company recorded a reversal for credit losses of $5.0 million in fourth quarter of 2019 compared to no provision for credit losses in the fourth quarter of 2018. The reversal for credit losses is partially a result of net recoveries of $2.3 million, and the impact of the easing of tariffs on imports from China announced during the fourth quarter 2019. The following table sets forth the charge-offs and recoveries for the periods indicated:


	Three months ended								Year ended December 31,
	December 31, 2019			September 30, 2019			December 31, 2018		2019			2018
	(In thousands) (Unaudited)
Charge-offs:
Commercial loans	$	697		$	3,356		$	—	$	6,997		$	629
Real estate loans ⁽¹⁾		—			—			2,186		—			2,576

Total charge-offs		697			3,356			2,186		6,997			3,205

Recoveries:
Commercial loans		2,546			212			625		4,155			1,875
Construction loans		—			3,378			44		4,612			177
Real estate loans⁽¹⁾		467			5,023			451		6,063			4,765

Total recoveries		3,013			8,613			1,120		14,830			6,817

Net (recoveries)/charge-offs	$	(2,316	)	$	(5,257	)	$	1,066	$	(7,833	)	$	(3,612	)

(1)	Real estate loans include commercial mortgage loans, residential mortgage loans, and equity lines.

Non-interest income

Non-interest income, which includes revenues from depository service fees, letters of credit commissions, securities gains (losses), wire transfer fees, and other sources of fee income, was $8.7 million for the fourth quarter of 2019, a decrease of $2.1 million, or 19.4%, compared to $10.8 million for the fourth quarter of 2018. The decrease was primarily due to a $4.0 million decrease in net gains from equity securities and offset by a $1.3 million increase in wealth management fees.

Non-interest expense

Non-interest expense decreased $3.2 million, or 4.3%, to $71.2 million in the fourth quarter of 2019 compared to $74.4 million in the same quarter a year ago. The decrease in non-interest expense in the fourth quarter of 2019 was primarily due to a $5.7 million decrease in amortization expense of investments in low income housing and alternative energy partnerships offset by a $1.2 million increase in FDIC and State assessments when compared to the same quarter a year ago. The efficiency ratio was 47.5% in the fourth quarter of 2019 compared to 47.6% for the same quarter a year ago.

Income taxes

The effective tax rate for the fourth quarter of 2019 was 19.5% compared to 21.0% for the fourth quarter of 2018. The effective tax rate includes an alternative energy investment made in the second quarter of 2019 and 2018 and the impact of low-income housing tax credits.

BALANCE SHEET REVIEW

Gross loans, excluding loans held for sale, were $15.1 billion at December 31, 2019, an increase of $1.1 billion, or 7.9%, from $14.0 billion at December 31, 2018. The increase was primarily due to increases of $394.7 million, or 10.7%, in residential mortgage loans, $551.1 million, or 8.2%, in commercial mortgage loans, and $98.0 million, or 39.2%, in equity lines of credit. The loan balances and composition at December 31, 2019, compared to September 30, 2019 and December 31, 2018, are presented below:


	December 31, 2019			September 30, 2019			December 31, 2018
	(In thousands) (Unaudited)
Commercial loans	$	2,778,744		$	2,668,061		$	2,741,965
Residential mortgage loans		4,088,586			4,010,739			3,693,853
Commercial mortgage loans		7,275,262			7,135,599			6,724,200
Equity lines		347,975			315,252			249,967
Real estate construction loans		579,864			593,816			581,454
Installment and other loans		5,050			5,087			4,349

Gross loans	$	15,075,481		$	14,728,554		$	13,995,788
Allowance for loan losses		(123,224	)		(125,908	)		(122,391	)
Unamortized deferred loan fees		(626	)		(1,081	)		(1,565	)

Total loans, net	$	14,951,631		$	14,601,565		$	13,871,832

Loans held for sale	$	—		$	36,778		$	—

Total deposits were $14.7 billion at December 31, 2019, an increase of $1.0 billion, or 7.3%, from $13.7 billion at December 31, 2018. The deposit balances and composition at December 31, 2019, compared to September 30, 2019 and December 31, 2018, are set forth below:


	December 31, 2019		September 30, 2019		December 31, 2018
	(In thousands) (Unaudited)
Non-interest-bearing demand deposits	$	2,871,444	$	2,939,924	$	2,857,443
NOW deposits		1,358,152		1,282,267		1,365,763
Money market deposits		2,260,764		2,095,328		2,027,404
Savings deposits		758,903		721,547		738,656
Time deposits		7,443,045		7,619,203		6,713,074

Total deposits	$	14,692,308	$	14,658,269	$	13,702,340

ASSET QUALITY REVIEW

At December 31, 2019, total non-accrual loans were $40.5 million, a decrease of $6.7 million, or 14.2%, from $47.2 million at September 30, 2019, and a decrease of $1.3 million, or 3.1%, from $41.8 million at December 31, 2018.

The allowance for loan losses was $123.2 million and the allowance for off-balance sheet unfunded credit commitments was $3.9 million at December 31, 2019, which represented the amount believed by management to be appropriate to absorb credit losses inherent in the loan portfolio, including unfunded credit commitments. The $123.2 million allowance for loan losses at December 31, 2019, increased $0.8 million, or 0.7%, from $122.4 million at December 31, 2018. The allowance for loan losses represented 0.82% of period-end gross loans, excluding loans held for sale, and 262.6% of non-performing loans at December 31, 2019. The comparable ratios were 0.87% of period-end gross loans, excluding loans held for sale, and 268.5% of non-performing loans at December 31, 2018. The changes in non-performing assets and troubled debt restructurings at December 31, 2019, compared to December 31, 2018 and September 30, 2019, are shown below:


(Dollars in thousands) (Unaudited)	December 31, 2019			December 31, 2018			% Change			September 30, 2019			% Change
Non-performing assets
Accruing loans past due 90 days or more	$	6,409		$	3,773			70		$	683			838
Non-accrual loans:
Construction loans		4,580			4,872			(6	)		4,629			(1	)
Commercial mortgage loans		9,928			10,611			(6	)		12,330			(19	)
Commercial loans		19,381			18,805			3			22,970			(16	)
Residential mortgage loans		6,634			7,527			(12	)		7,271			(9	)

Total non-accrual loans:	$	40,523		$	41,815			(3	)	$	47,200			(14	)

Total non-performing loans		46,932			45,588			3			47,883			(2	)
Other real estate owned		10,244			12,674			(19	)		11,329			(10	)

Total non-performing assets	$	57,176		$	58,262			(2	)	$	59,212			(3	)

Accruing troubled debt restructurings (TDRs)	$	35,336		$	65,071			(46	)	$	41,647			(15	)
Allowance for loan losses	$	123,224		$	122,391			1		$	125,908			(2	)
Total gross loans outstanding, at period-end ⁽¹⁾	$	15,075,481		$	13,995,788			8		$	14,728,554			2
Allowance for loan losses to non-performing loans, at period-end ⁽²⁾		262.56	%		268.47	%					262.95	%
Allowance for loan losses to gross loans, at period-end ⁽¹⁾		0.82	%		0.87	%					0.85	%

(1)	Excludes loans held for sale at period-end.

(2)	Excludes non-accrual loans held for sale at period-end.

The ratio of non-performing assets to total assets was 0.3% at December 31, 2019, compared to 0.3% at December 31, 2018. Total non-performing assets decreased $1.1 million, or 1.9%, to $57.2 million at December 31, 2019, compared to $58.3 million at December 31, 2018, primarily due to a decrease of $2.4 million, or 19.2%, in other real estate owned, and a decrease of $1.3 million, or 3.1%, in non-accrual loans, offset in part by an increase of $2.6 million, or 69.9%, in accruing loans past due 90 days or more.

CAPITAL ADEQUACY REVIEW

At December 31, 2019, the Company’s Tier 1 risk-based capital ratio of 12.51%, total risk-based capital ratio of 14.11%, and Tier 1 leverage capital ratio of 10.83%, calculated under the Basel III capital rules, continue to place the Company in the “well capitalized” category for regulatory purposes, which is defined as institutions with a Tier 1 risk-based capital ratio equal to or greater than 8%, a total risk-based capital ratio equal to or greater than 10%, and a Tier 1 leverage capital ratio equal to or greater than 5%. At December 31, 2018, the Company’s Tier 1 risk-based capital ratio was 12.43%, total risk-based capital ratio was 14.15%, and Tier 1 leverage capital ratio was 10.83%.

FULL YEAR REVIEW

Net income for the year ended December 31, 2019, was $279.1 million, an increase of $7.2 million, or 2.6%, compared to net income of $271.9 million for the year ended December 31, 2018. Diluted earnings per share for the year ended December 31, 2019 was $3.48 compared to $3.33 per share for the year ended December 31, 2018. The net interest margin for the year ended December 31, 2019, was 3.54% compared to 3.79% for the year ended December 31, 2018.

Return on average stockholders’ equity was 12.63% and return on average assets was 1.61% for the year ended December 31, 2019, compared to a return on average stockholders’ equity of 13.18% and a return on average assets of 1.70% for the year ended December 31, 2018. The efficiency ratio for the year ended December 31, 2019, was 44.8% compared to 44.3% for the year ended December 31, 2018.

CONFERENCE CALL

Cathay General Bancorp will host a conference call this afternoon to discuss its fourth quarter and year-end 2019 financial results. The call will begin at 3:00 p.m., Pacific Time. Analysts and investors may dial in and participate in the question-and-answer session. To access the call, please dial 1-855-761-3186 and enter Conference ID 8985581. A listen-only live Webcast of the call will be available at www.cathaygeneralbancorp.com and a recorded version is scheduled to be available for replay for 12 months after the call.

ABOUT CATHAY GENERAL BANCORP

Cathay General Bancorp is the holding company for Cathay Bank, a California state-chartered bank. Founded in 1962, Cathay Bank offers a wide range of financial services. Cathay Bank currently operates 38 branches in California, 10 branches in New York State, four in Washington State, three in Illinois, two in Texas, one in Maryland, Massachusetts, Nevada, and New Jersey, one in Hong Kong, and a representative office in Taipei, Beijing, and Shanghai. Cathay Bank’s website is found at www.cathaybank.com. Cathay General Bancorp’s website is found at www.cathaygeneralbancorp.com. Information set forth on such websites is not incorporated into this press release.

FORWARD-LOOKING STATEMENTS

Statements made in this press release, other than statements of historical fact, are forward-looking statements within the meaning of the applicable provisions of the Private Securities Litigation Reform Act of 1995 regarding management’s beliefs, projections, and assumptions concerning future results and events. These forward-looking statements may include, but are not limited to, such words as “aims,” “anticipates,” “believes,” “can,” “continue,” “could,” “estimates,” “expects,” “hopes,” “intends,” “may,” “plans,” “projects,” “predicts,” “potential,” “possible,” “optimistic,” “seeks,” “shall,” “should,” “will,” and variations of these words and similar expressions. Forward-looking statements are based on estimates, beliefs, projections, and assumptions of management and are not guarantees of future performance. These forward-looking statements are subject to certain risks and uncertainties that could cause actual results to differ materially from our historical experience and our present expectations or projections. Such risks and uncertainties and other factors include, but are not limited to, adverse developments or conditions related to or arising from U.S. and international business and economic conditions; possible additional provisions for loan losses and charge-offs; credit risks of lending activities and deterioration in asset or credit quality; extensive laws and regulations and supervision that we are subject to including potential future supervisory action by bank supervisory authorities; increased costs of compliance and other risks associated with changes in regulation including the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; higher capital requirements from the implementation of the Basel III capital standards; compliance with the Bank Secrecy Act and other money

laundering statutes and regulations; potential goodwill impairment; liquidity risk; fluctuations in interest rates; risks associated with acquisitions and the expansion of our business into new markets; inflation and deflation; real estate market conditions and the value of real estate collateral; our ability to generate anticipated returns on our investments and financings, including in tax-advantaged projects; environmental liabilities; our ability to compete with larger competitors; our ability to retain key personnel; successful management of reputational risk; natural disasters and geopolitical events; general economic or business conditions in Asia, and other regions where Cathay Bank has operations; failures, interruptions, or security breaches of our information systems; our ability to adapt our systems to technological changes; risk management processes and strategies; adverse results in legal proceedings; certain provisions in our charter and bylaws that may affect acquisition of the Company; changes in accounting standards or tax laws and regulations; market disruption and volatility; restrictions on dividends and other distributions by laws and regulations and by our regulators and our capital structure; issuance of preferred stock; successfully raising additional capital, if needed, and the resulting dilution of interests of holders of our common stock; the soundness of other financial institutions; our ability to consummate and realize the anticipated benefits of our acquisitions; the risk that integration of business operations following any acquisitions, will be materially delayed or will be more costly or difficult than expected; and general competitive, economic political, and market conditions and fluctuations.

These and other factors are further described in Cathay General Bancorp’s Annual Report on Form 10-K for the year ended December 31, 2018 (Item 1A in particular), other reports filed with the Securities and Exchange Commission (“SEC”), and other filings Cathay General Bancorp makes with the SEC from time to time. Actual results in any future period may also vary from the past results discussed in this press release. Given these risks and uncertainties, readers are cautioned not to place undue reliance on any forward-looking statements, which speak to the date of this press release. Cathay General Bancorp has no intention and undertakes no obligation to update any forward-looking statement or to publicly announce any revision of any forward-looking statement to reflect future developments or events, except as required by law.

CATHAY GENERAL BANCORP

CONSOLIDATED FINANCIAL HIGHLIGHTS

(Unaudited)


	Three months ended									Year ended December 31,
(Dollars in thousands, except per share data)	December 31, 2019			September 30, 2019			December 31, 2018			2019			2018
FINANCIAL PERFORMANCE
Net interest income before provision for credit losses	$	141,211		$	147,000		$	145,441		$	574,906		$	565,899
Reversal for credit losses		(5,000	)		(2,000	)		—			(7,000	)		(4,500	)

Net interest income after reversal for credit losses		146,211			149,000			145,441			581,906			570,399
Non-interest income		8,648			10,388			10,795			44,751			31,707
Non-interest expense		71,191			65,580			74,396			277,288			264,419

Income before income tax expense		83,668			93,808			81,840			349,369			337,687
Income tax expense		16,290			20,973			17,192			70,234			65,802

Net income	$	67,378		$	72,835		$	64,648		$	279,135		$	271,885

Net income per common share
Basic	$	0.85		$	0.91		$	0.80		$	3.49		$	3.35
Diluted	$	0.84		$	0.91		$	0.80		$	3.48		$	3.33
Cash dividends paid per common share	$	0.31		$	0.31		$	0.31		$	1.24		$	1.03
SELECTED RATIOS
Return on average assets		1.50	%		1.65	%		1.56	%		1.61	%		1.70	%
Return on average total stockholders’ equity		11.75	%		12.98	%		12.07	%		12.63	%		13.18	%
Efficiency ratio		47.51	%		41.67	%		47.62	%		44.75	%		44.25	%
Dividend payout ratio		36.67	%		33.92	%		38.59	%		35.51	%		30.69	%
YIELD ANALYSIS (Fully taxable equivalent)
Total interest-earning assets		4.53	%		4.80	%		4.76	%		4.74	%		4.61	%
Total interest-bearing liabilities		1.61	%		1.65	%		1.36	%		1.61	%		1.12	%
Net interest spread		2.92	%		3.15	%		3.40	%		3.13	%		3.49	%
Net interest margin		3.34	%		3.56	%		3.77	%		3.54	%		3.79	%

	December 31, 2019			September 30, 2019			December 31, 2018
CAPITAL RATIOS
Tier 1 risk-based capital ratio		12.51	%		12.41	%		12.43	%
Total risk-based capital ratio		14.11	%		14.06	%		14.15	%
Tier 1 leverage capital ratio		10.83	%		10.81	%		10.83	%

CATHAY GENERAL BANCORP

CONDENSED CONSOLIDATED BALANCE SHEETS

(Unaudited)


(In thousands, except share and per share data)	December 31, 2019			September 30, 2019			December 31, 2018
Assets
Cash and due from banks	$	179,740		$	257,189		$	225,333
Short-term investments and interest bearing deposits		416,538			567,957			374,957
Securities available-for-sale (amortized cost of $1,443,730 at December 31, 2019, $1,422,431 at September 30, 2019 and $1,267,731 at December 31, 2018)		1,451,842			1,427,438			1,242,509
Loans held for sale		—			36,778			—
Loans		15,075,481			14,728,554			13,995,788
Less: Allowance for loan losses		(123,224	)		(125,908	)		(122,391	)
Unamortized deferred loan fees, net		(626	)		(1,081	)		(1,565	)

Loans, net		14,951,631			14,601,565			13,871,832
Equity securities		28,005			32,862			25,098
Federal Home Loan Bank stock		18,090			17,250			17,250
Other real estate owned, net		10,244			11,329			12,674
Affordable housing investments and alternative energy partnerships, net		308,681			321,929			282,734
Premises and equipment, net		104,239			103,820			103,189
Customers’ liability on acceptances		10,694			12,503			22,709
Accrued interest receivable		53,540			52,337			51,650
Goodwill		372,189			372,189			372,189
Other intangible assets, net		6,296			6,821			7,194
Right-of-use assets- operating leases		33,990			34,518			—
Other assets		150,901			148,481			175,419

Total assets	$	18,096,620		$	18,004,966		$	16,784,737

Liabilities and Stockholders’ Equity
Deposits
Non-interest-bearing demand deposits	$	2,871,444		$	2,939,924		$	2,857,443
Interest-bearing deposits:
NOW deposits		1,358,152			1,282,267			1,365,763
Money market deposits		2,260,764			2,095,328			2,027,404
Savings deposits		758,903			721,547			738,656
Time deposits		7,443,045			7,619,203			6,713,074

Total deposits		14,692,308			14,658,269			13,702,340

Short-term borrowings		25,683			25,507			—
Advances from the Federal Home Loan Bank		670,000			600,000			530,000
Other borrowings for affordable housing investments		29,022			30,767			17,298
Long-term debt		119,136			160,386			189,448
Deferred payments from acquisition		7,644			7,602			18,458
Acceptances outstanding		10,694			12,503			22,709
Lease liabilities - operating leases		35,873			36,142			—
Other liabilities		211,977			227,896			182,618

Total liabilities		15,802,337			15,759,072			14,662,871

Stockholders’ equity		2,294,283			2,245,894			2,121,866

Total liabilities and equity	$	18,096,620		$	18,004,966		$	16,784,737

Book value per common share	$	28.78		$	28.18		$	26.36
Number of common shares outstanding		79,729,419			79,706,511			80,501,948

CATHAY GENERAL BANCORP

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS

(Unaudited)


	Three months ended									Year ended December 31,
	December 31, 2019			September 30, 2019			December 31, 2018			2019			2018
	(In thousands, except share and per share data)
INTEREST AND DIVIDEND INCOME
Loan receivable, including loan fees	$	181,224		$	187,827		$	174,352		$	729,619		$	652,480
Investment securities		8,583			8,687			7,391			33,037			28,603
Federal Home Loan Bank stock		304			301			584			1,207			1,663
Deposits with banks		1,115			1,016			1,542			5,404			5,209

Total interest and dividend income		191,226			197,831			183,869			769,267			687,955

INTEREST EXPENSE
Time deposits		38,799			40,378			29,775			152,791			86,368
Other deposits		7,720			6,626			5,611			25,311			20,503
Securities sold under agreements to repurchase		—			—			—			—			1,446
Advances from Federal Home Loan Bank		1,466			1,661			620			7,441			3,739
Long-term debt		1,760			1,948			2,258			7,847			8,723
Deferred payments from acquisition		66			93			144			568			1,090
Short-term borrowings		204			125			20			403			187

Total interest expense		50,015			50,831			38,428			194,361			122,056

Net interest income before reversal for credit losses		141,211			147,000			145,441			574,906			565,899
Reversal for credit losses		(5,000	)		(2,000	)		—			(7,000	)		(4,500	)

Net interest income after reversal for credit losses		146,211			149,000			145,441			581,906			570,399

NON-INTEREST INCOME
Net (losses)/gains from equity securities		(2,186	)		364			1,793			5,578			(2,787	)
Securities gains/(losses), net		476			(121	)		36			369			22
Letters of credit commissions		1,674			1,602			1,505			6,407			5,614
Depository service fees		1,146			1,119			1,179			4,763			5,084
Gains from acquisition		—			—			—			—			340
Other operating income		7,538			7,424			6,282			27,634			23,434

Total non-interest income		8,648			10,388			10,795			44,751			31,707

NON-INTEREST EXPENSE
Salaries and employee benefits		32,100			31,915			32,986			129,300			124,477
Occupancy expense		5,386			5,579			4,882			22,004			20,690
Computer and equipment expense		2,660			2,741			2,925			11,113			11,402
Professional services expense		5,899			5,952			5,755			23,107			22,810
Data processing service expense		3,473			3,246			2,988			13,210			12,438
FDIC and State assessments		2,427			2,582			1,268			9,617			8,000
Marketing expense		2,029			2,436			2,316			7,585			7,837
Other real estate owned expense/(income)		276			190			(483	)		1,115			(719	)
Amortization of investments in low income housing and alternative energy partnerships		12,822			6,997			18,526			39,731			40,515
Amortization of core deposit intangibles		172			172			172			687			876
Acquisition and integration costs		—			—			22			—			2,105
Other operating expense		3,947			3,770			3,039			19,819			13,988

Total non-interest expense		71,191			65,580			74,396			277,288			264,419

Income before income tax expense		83,668			93,808			81,840			349,369			337,687
Income tax expense		16,290			20,973			17,192			70,234			65,802

Net income	$	67,378		$	72,835		$	64,648			279,135			271,885

Net income per common share:
Basic	$	0.85		$	0.91		$	0.80		$	3.49		$	3.35
Diluted	$	0.84		$	0.91		$	0.80		$	3.48		$	3.33
Cash dividends paid per common share	$	0.31		$	0.31		$	0.31		$	1.24		$	1.03
Basic average common shares outstanding		79,711,414			79,736,814			80,854,451			79,999,703			81,131,269
Diluted average common shares outstanding		80,002,421			79,993,830			81,122,093			80,247,893			81,607,346

CATHAY GENERAL BANCORP

AVERAGE BALANCES – SELECTED CONSOLIDATED FINANCIAL INFORMATION

(Unaudited)


	Three months ended
(In thousands)	December 31, 2019					September 30, 2019					December 31, 2018
	Average Balance		Average Yield/Rate ⁽¹⁾			Average Balance		Average Yield/Rate ⁽¹⁾			Average Balance		Average Yield/Rate ⁽¹⁾
Interest-earning assets
Loans ⁽¹⁾	$	14,915,083		4.82	%	$	14,662,847		5.08	%	$	13,737,560		5.04	%
Taxable investment securities		1,557,877		2.19	%		1,498,569		2.30	%		1,306,824		2.24	%
FHLB stock		17,259		7.00	%		17,250		6.92	%		17,250		13.44	%
Deposits with banks		275,032		1.61	%		188,772		2.14	%		262,525		2.33	%

Total interest-earning assets	$	16,765,251		4.53	%	$	16,367,438		4.80	%	$	15,324,159		4.76	%

Interest-bearing liabilities
Interest-bearing demand deposits	$	1,307,285		0.18	%	$	1,281,629		0.18	%	$	1,373,250		0.21	%
Money market deposits		2,244,973		1.19	%		2,028,039		1.11	%		2,113,257		0.85	%
Savings deposits		748,148		0.20	%		726,763		0.19	%		746,224		0.20	%
Time deposits		7,574,179		2.03	%		7,623,238		2.10	%		6,616,390		1.79	%

Total interest-bearing deposits	$	11,874,585		1.55	%	$	11,659,669		1.60	%	$	10,849,121		1.29	%
Other borrowed funds		342,227		2.01	%		362,698		2.05	%		152,654		1.99	%
Long-term debt		142,451		4.90	%		165,023		4.68	%		194,085		4.62	%

Total interest-bearing liabilities		12,359,263		1.61	%		12,187,390		1.65	%		11,195,860		1.36	%
Non-interest-bearing demand deposits		2,979,134					2,805,582					2,887,607

Total deposits and other borrowed funds	$	15,338,397				$	14,992,972				$	14,083,467

Total average assets	$	17,883,462				$	17,483,376				$	16,418,970
Total average equity	$	2,274,986				$	2,226,591				$	2,124,418


	Year ended,
(In thousands)	December 31, 2019					December 31, 2018
	Average Balance		Average Yield/Rate ⁽¹⁾			Average Balance		Average Yield/Rate ⁽¹⁾
Interest-earning assets
Loans ⁽¹⁾	$	14,510,680		5.03	%	$	13,280,665		4.91	%
Taxable investment securities		1,442,820		2.29	%		1,344,964		2.13	%
FHLB stock		17,266		6.99	%		18,540		8.97	%
Deposits with banks		253,296		2.13	%		277,005		1.88	%

Total interest-earning assets	$	16,224,062		4.74	%	$	14,921,174		4.61	%

Interest-bearing liabilities
Interest-bearing demand deposits	$	1,290,752		0.18	%	$	1,389,326		0.20	%
Money market deposits		2,012,306		1.07	%		2,200,847		0.74	%
Savings deposits		731,027		0.20	%		791,982		0.20	%
Time deposits		7,459,800		2.05	%		6,031,061		1.43	%

Total interest-bearing deposits	$	11,493,885		1.55	%	$	10,413,216		1.03	%
Securities sold under agreements to repurchase		—		0.00	%		49,589		2.92	%
Other borrowed funds		379,816		2.21	%		253,714		1.98	%
Long-term debt		164,976		4.76	%		194,123		4.49	%

Total interest-bearing liabilities		12,038,677		1.61	%		10,910,642		1.12	%
Non-interest-bearing demand deposits		2,837,947					2,819,711

Total deposits and other borrowed funds	$	14,876,623				$	13,730,353

Total average assets	$	17,337,263				$	16,004,319
Total average equity	$	2,209,642				$	2,063,400

(1)	Yields and interest earned include net loan fees. Non-accrual loans are included in the average balance.

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CONTACT: Heng W. Chen, (626) 279-3652

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Document and Entity Information

Jan. 22, 2020

Cover [Abstract]

Amendment Flag false

Entity Central Index Key 0000861842

Document Type 8-K

Document Period End Date Jan. 22, 2020

Entity Registrant Name CATHAY GENERAL BANCORP

Entity Incorporation State Country Code DE

Entity File Number 001-31830

Entity Tax Identification Number 95-4274680

Entity Address, Address Line One 777 North Broadway

Entity Address, City or Town Los Angeles

Entity Address, State or Province CA

Entity Address, Postal Zip Code 90012

City Area Code (213)

Local Phone Number 625-4700

Written Communications false

Soliciting Material false

Pre Commencement Tender Offer false

Pre Commencement Issuer Tender Offer false

Security 12b Title Common stock

Trading Symbol CATY

Security Exchange Name NASDAQ

Entity Emerging Growth Company false

Document and Entity Information	Jan. 22, 2020
Cover [Abstract]
Amendment Flag	false
Entity Central Index Key	0000861842
Document Type	8-K
Document Period End Date	Jan. 22, 2020
Entity Registrant Name	CATHAY GENERAL BANCORP
Entity Incorporation State Country Code	DE
Entity File Number	001-31830
Entity Tax Identification Number	95-4274680
Entity Address, Address Line One	777 North Broadway
Entity Address, City or Town	Los Angeles
Entity Address, State or Province	CA
Entity Address, Postal Zip Code	90012
City Area Code	(213)
Local Phone Number	625-4700
Written Communications	false
Soliciting Material	false
Pre Commencement Tender Offer	false
Pre Commencement Issuer Tender Offer	false
Security 12b Title	Common stock
Trading Symbol	CATY
Security Exchange Name	NASDAQ
Entity Emerging Growth Company	false

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