• our ability to manage our growth; • inability of our risk management framework to effectively mitigate credit risk, interest rate risk, liquidity risk, price risk, compliance risk, operational risk, strategic risk and reputational risk; • the risks relating to past acquisition including, without limitation: unexpected transaction costs, including the costs of integrating operations; the risks that the businesses will not be integrated successfully or that such integration may be more difficult, time-consu ...

Derek Shelnutt - Chief Financial Officer Feddie Strickland - Janney Montgomery Scott  Conference Call Participants Thanks, Sergio. Before we get started, I would like to go through our standard disclosures. Certain statements we make on this call could be constituted as forward-looking statements within the meaning of the Securities Act of 1933 and the Securities Exchange Act of 1934. Current and prospective investors are cautioned that any such forward-looking statements are not guarantees of future perfo ...

| --- | --- | |-------|-------| | | | | | | Prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance and involve known and unknown risks and uncertainties. Factors that might cause such differences include, but are not limited to: the impact of current and economic conditions, particularly those affecting the financial services industry, including the effects of declines in the real estate market, high unemployment rates, inflationary pressures, e ...

| --- | --- | --- | --- | --- | --- | --- | --- | --- | |---------------------------------------------------------------------------|-------|--------|-------|---------|-------|------------------|-------|--------| | (dollars in thousands) \nThree Months Ended June 30, 2022 | | Bank | | Banking | | Lending Division | | Totals | | Net Interest Income | $ | 18,832 | $ | 57 | $ | 291 | $ | 19,180 | | Provision for Credit Losses | | 1,100 | | — | | — | | 1,100 | | Noninterest Income | | 5,174 | | 2,736 | | 2,135 ...

IJKLMINOPQRSLIOT - !"# $#%&'(!#)*%#(+,-(#".$#%"(/*%#(+ 01 2 34/#564 $ 7/"8,9+ :+5#8" 1; ; <+#"4=(># &'(!#)?($#+>" 2@ ; &8A+6B <.A// &?:,$#%35C*%#(+"8D +/$ !"5/ 0@ 0@ B "+86B"E6<>" &?:,$#%$+8#*%#(+ 0F 2 G#>H+/E4 (C+E&?:,$#% =%;F2 OBJECTIVES AND FOCUS · Focus on growing core deposits and customer relationships · Manage expenses in an uncertain economy &HI&J( %,KL( M=NOP=QB0= RSA CR1 ?@ABCDE@F GHIJK 9L ; 4L9;9 8L9;9 3L9;4 9L9;4 M !" + N! ● Full implementation of Salesforce to influence a more complete customer ...

Derek Shelnutt - Executive Vice President and Chief Financial Officer Conference Call Participants Good morning, ladies and gentlemen and welcome to the Colony Bank Second Quarter 2023 Conference Call. At this time, all lines are in a listen-only mode. Following the presentation, we will conduct a question-andanswer session. [Operator Instructions] This call is being recorded on Thursday, July 27, 2023. Thanks Helena. Before we get started, I would like to go to our standard disclosures. Heath Fountain Comp ...

Allowance for Credit Losses – Available-for-Sale Securities ("AFS") For AFS debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or whether it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security's amortized cost basis is written down to fair value through income. For AFS debt securities that do not meet the afo ...

Derek Shelnutt I'll touch first on Alabama, we're making good progress with the team in Alabama. Our loans closed at about $41 million in Alabama which is almost double where we were at the beginning of the first quarter. We still have a good pipeline and we have done this with our team shifting over CRE to more C&I focused lending and of course deposit generation as well. Colony Bankcorp, Inc. (NASDAQ:CBAN) Q1 2023 Conference Call April 28, 2023 9:00 AM ET Company Participants Derek Shelnutt - Chief Accoun ...

☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from _____________to ______________ Securities Registered Pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the ...

And so, you know, you start adding those up, that I just went through and by the end of next year just with those, we get somewhere around maybe 115. And that's without counting the business lines getting more profitable. That's just them breaking even. That's without leveraging technology, managing expenses down. So that's our plan. Our team comes in every day to execute on that and we think we can deliver on that. I do want to point you to a few slides in here to talk a little bit about the color on the l ...