美国制商银行M&T Bank (MTB) 2024年第四季度及全年业绩报告「NASDAQ」（英文版）（9页）.pdf

1、M&T Bank Corporation(NYSE:MTB)announces fourth quarter 2024 resultsJanuary 16,2025 at 5:30 AM ESTBUFFALO,N.Y.,Jan.16,2024/PRNewswire/-M&T Bank Corporation(M&T or the Company)reports quarterly net income of$681 million or$3.86 of diluted earnings per common share and full-year net income of$2.59 bill

2、ion or$14.64 of diluted earnings per common share.(Dollars in millions,except per share data)4Q243Q244Q2320242023Earnings HighlightsNet interest income$1,728$1,726$1,722$6,852$7,115Taxable-equivalent adjustment1213135054Net interest income-taxable-equivalent1,7401,7391,7356,9027,169Provision for cre

3、dit losses140120225610645Noninterest income6576065782,4272,528Noninterest expense1,3631,3031,4505,3595,379Net income6817214822,5882,741Net income available to common shareholders-diluted6446744572,4492,636Diluted earnings per common share3.864.022.7414.6415.79Return on average assets-annualized1.28%

4、1.37%.92%1.23%1.33%Return on average common shareholders equity-annualized9.7510.267.419.5411.06Average Balance SheetTotal assets$211,853$209,581$208,752$211,220$205,397Interest-bearing deposits at banks23,60225,49130,15327,24426,202Investment securities33,67931,02327,49030,75527,932Loans and leases

5、135,723134,751132,770134,717132,738Deposits164,639161,505164,713163,423162,094Borrowings14,22815,42813,05715,52313,054Selected Ratios(Amounts expressed as a percent,except per share data)Net interest margin3.58%3.62%3.61%3.58%3.83%Efficiency ratio(1)56.855.062.156.954.9Net charge-offs to average tot

6、al loans-annualized.47.35.44.41.33Allowance for credit losses to total loans1.611.621.591.611.59Nonaccrual loans to total loans1.251.421.621.251.62Common equity Tier 1(CET1)capital ratio(2)11.6711.5410.9811.6710.98Common shareholders equity per share$160.90$159.38$150.15$160.90$150.15(1)A reconcilia