Core Viewpoint - First Interstate BancSystem, Inc. (FIBK) shows potential as a stock pick due to a recent "golden cross" event, indicating a bullish trend may be forthcoming [1][2]. Technical Analysis - A "golden cross" occurs when a stock's short-term moving average (50-day) crosses above its long-term moving average (200-day), suggesting a bullish breakout [2]. - The successful golden cross event consists of three stages: a price decline bottoming out, the shorter moving average crossing above the longer one, and maintaining upward momentum [3]. Performance Metrics - Over the past four weeks, FIBK has gained 5.2%, indicating positive momentum [4]. - The stock currently holds a 3 (Hold) rating on the Zacks Rank, suggesting it may be poised for further breakout [4]. Earnings Outlook - FIBK's earnings outlook is positive, with two upward revisions in estimates over the past 60 days, and the Zacks Consensus Estimate has also increased [4]. - Investors are encouraged to monitor FIBK for potential gains due to its key technical levels and favorable earnings estimate revisions [5].

Financial Performance - Net income increased by $2.1 million to $58.4 million, or $0.57 per share, for the three months ended March 31, 2024, compared to $56.3 million, or $0.54 per share, for the same period in 2023[151]. - Net interest income decreased by $38.8 million to $200.1 million for the three months ended March 31, 2024, compared to $238.9 million for the same period in 2023[156]. - Total non-interest income increased by $25.7 million to $42.1 million for the three months ended March 31, 2024, compared to $16.4 million in the same period in 2023[164]. - Non-interest expense decreased by $5.6 million during the three months ended March 31, 2024, compared to the same period in 2023[165]. - Total non-interest expense decreased by $5.6 million, or 3.4%, to $160.2 million for the three months ended March 31, 2024, compared to $165.8 million in the same period of 2023[166]. Interest Rates and Margins - The quarterly yield on interest-earning assets rose to 4.74% as of March 31, 2024, up from 4.69% as of December 31, 2023, and 4.43% as of March 31, 2023[143]. - The cost of funds increased to 1.87% during the three months ended March 31, 2024, from 1.72% during the three months ended December 31, 2023, and 1.10% during the three months ended March 31, 2023[144]. - Net interest margin decreased to 2.91% during the three months ended March 31, 2024, down from 2.99% during the three months ended December 31, 2023, and 3.33% during the three months ended March 31, 2023[144]. - The net interest margin ratio decreased by 42 basis points to 2.91% for the three months ended March 31, 2024, down from 3.33% in the same period in 2023[157]. Loans and Credit Quality - The provision for credit losses was $5.3 million for the three months ended March 31, 2024, compared to $15.2 million for the same period in 2023[162]. - The company reported a net loan charge-off of $8.4 million, or an annualized 0.18% of average loans outstanding, for the three months ended March 31, 2024[162]. - Non-accrual loans increased by $65.6 million, or 61.7%, to $172.0 million as of March 31, 2024, primarily due to a downgrade related to a single $54.4 million commercial loan[178]. - Total non-performing assets increased to $189.4 million as of March 31, 2024, compared to $98.7 million as of March 31, 2023[181]. - The allowance for credit losses was $227.7 million, or 1.25% of loans held for investment, as of March 31, 2024, unchanged from December 31, 2023[189]. Deposits and Borrowings - The deposit base is diversified, with 66.0% of total deposits being FDIC insured as of March 31, 2024[138]. - Total deposits decreased by $513.1 million, or 2.2%, to $22,810.0 million as of March 31, 2024, with declines in all categories except for savings deposits and time deposits[194]. - The estimated amount of deposits in excess of the FDIC insurance limit at March 31, 2024, was $7.9 billion, or 34.6% of total deposits[196]. - The Company accessed borrowings through the Bank Term Funding Program totaling $1.0 billion in January 2024, which was used to pay down FHLB advances[139]. - Long-term debt increased by $250.0 million, or 207.0%, to $370.8 million as of March 31, 2024, due to 18-month FHLB borrowings[198]. Capital and Equity - Stockholders' equity decreased by $17.8 million, or 0.6%, to $3,209.7 million as of March 31, 2024, influenced by unrealized losses on available-for-sale securities and stock repurchases[199]. - As of March 31, 2024, the Company had capital levels exceeding the "well-capitalized" guidelines established by the Federal Reserve and FDIC[201]. Operational Efficiency - The Company operates 304 banking offices across fourteen states, focusing on community banking and strategic acquisitions[134]. - The company experienced a decrease in mortgage banking revenues by 26.1% to $1.7 million for the three months ended March 31, 2024, compared to $2.3 million in the same period in 2023[164]. - Employee benefits expense decreased by $3.5 million, primarily due to lower health insurance costs of $2.1 million and lower payroll taxes of $1.8 million[166]. Risk Management and Controls - Management assessed that internal control over financial reporting was not effective as of March 31, 2024, due to un-remediated material weaknesses[223]. - The Company expects to complete remediation of the identified control deficiencies during 2024[225]. - The company’s disclosure controls and procedures were evaluated as effective as of March 31, 2024, ensuring timely reporting of required information[222]. - The interest rate risk management strategy includes monitoring net interest income sensitivity through an income simulation model[214]. - The company is enhancing its internal controls, including implementing a quality assurance process for user access reviews[224].

First Interstate BancSystem (FIBK) reported $242.2 million in revenue for the quarter ended March 2024, representing a year-over-year decline of 5.1%. EPS of $0.57 for the same period compares to $0.54 a year ago.The reported revenue represents a surprise of +2.28% over the Zacks Consensus Estimate of $236.8 million. With the consensus EPS estimate being $0.53, the EPS surprise was +7.55%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare ...

First Interstate BancSystem (FIBK) came out with quarterly earnings of $0.57 per share, beating the Zacks Consensus Estimate of $0.53 per share. This compares to earnings of $0.54 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 7.55%. A quarter ago, it was expected that this holding company for First Interstate Bank would post earnings of $0.63 per share when it actually produced earnings of $0.67, delivering a surprise of 6.3 ...

Exhibit 99.1 For Immediate Release First Interstate BancSystem, Inc. Reports First Quarter Earnings Billings, MT - April 24, 2024 - First Interstate BancSystem, Inc. (NASDAQ: FIBK) (the "Company") today reported financial results for the first quarter of 2024. For the quarter, the Company reported net income of $58.4 million, or $0.57 per share, which compares to net income of $61.5 million, or $0.59 per share, for the fourth quarter of 2023 and net income of $56.3 million, or $0.54 per share, for the first ...

Washington D.C. 20549 (Mark One) ☑ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2023 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission File Number: 001-34653 (Exact name of registrant as specified in its charter) Delaware 81-0331430 (State or other jurisdiction of incorporation or organization) (IRS Employer Identification No.) | --- | --- ...

For the quarter ended December 2023, First Interstate BancSystem (FIBK) reported revenue of $252.3 million, down 15.9% over the same period last year. EPS came in at $0.67, compared to $0.86 in the year-ago quarter.The reported revenue represents a surprise of -0.86% over the Zacks Consensus Estimate of $254.5 million. With the consensus EPS estimate being $0.63, the EPS surprise was +6.35%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compa ...

Financial Performance - Net income increased by $79.6 million to $196.0 million, or $1.89 per share, for the nine months ended September 30, 2023, compared to $116.4 million, or $1.13 per share, for the same period in 2022[343]. - Net income decreased by $13.0 million to $72.7 million, or $0.70 per share, during the three months ended September 30, 2023, compared to $85.7 million, or $0.80 per share, for the same period in 2022[349]. - Non-interest income increased by $19.1 million for the three months ended September 30, 2023, compared to the same period in 2022, but decreased by $19.1 million for the nine months ended September 30, 2023[370]. Interest Income and Expenses - Net interest income increased after a reduction of provision for credit losses by $28.0 million, primarily related to the non-PCD provision expense in 2022 associated with the GWB acquisition[343]. - Net interest income decreased by $53.1 million to $213.7 million for the three months ended September 30, 2023, compared to $266.8 million for the same period in 2022[348]. - The average interest rate spread decreased to 2.54% for the three months ended September 30, 2023, down from 3.59% for the same period in 2022[357]. - The net FTE interest margin ratio decreased by 64 basis points to 3.00% for the three months ended September 30, 2023, compared to 3.47% for the same period in 2022[357]. - The net FTE interest margin ratio increased by 9 basis points to 3.11% for the nine months ended September 30, 2023, compared to 3.06% for the same period in 2022[364]. Deposits and Borrowing - As of September 30, 2023, total deposits increased over the three months, with other borrowed funds decreasing by $0.5 billion to $2.1 billion[331]. - FDIC insured deposits accounted for 66.78% of total deposits as of September 30, 2023[330]. - As of October 26, 2023, the Bank had available borrowing capacity of $4.9 billion with the FHLB and $3.1 billion with the Federal Reserve Bank[332]. Non-Interest Expenses - Non-interest expenses decreased by $99.9 million, down from $115.0 million in acquisition-related expenses in 2022[343]. - Non-interest expense decreased by $12.1 million during the three months ended September 30, 2023, primarily due to a decrease in incentive compensation and acquisition expenses[378]. - Non-interest expense decreased by $99.9 million (16.9%) during the nine months ended September 30, 2023, compared to the same period in 2022, primarily due to lower incentive compensation accruals and decreased acquisition expenses related to the GWB acquisition[379]. Credit Losses - The company reported a reduction of credit losses of $0.1 million for the three months ended September 30, 2023, compared to a provision for credit losses of $8.4 million during the same period in 2022[366]. - The provision for credit losses for the nine months ended September 30, 2023, was $26.8 million, compared to $68.0 million during the same period in 2022[367]. Tax and Regulatory - The effective tax rate was 23.2% for the three months ended September 30, 2023, compared to 20.7% for the same period in 2022, and 23.4% for the nine months ended September 30, 2023, compared to 20.9% for the same period in 2022[385]. - FDIC insurance premiums increased by $0.9 million (22.0%) for the three months ended September 30, 2023, and by $5.2 million (51.0%) for the nine months ended September 30, 2023, due to a new assessment fee imposed by the FDIC[383]. Strategic Opportunities - The Company continues to evaluate bank acquisitions and other strategic opportunities on an ongoing basis[329].

Part I - Financial Information [Item 1. Financial Statements (Unaudited)](index=3&type=section&id=Item%201.%20Financial%20Statements%20(Unaudited)) Presents First Interstate BancSystem's unaudited consolidated financial statements for Q2 and H1 2023, with detailed explanatory notes [Consolidated Balance Sheets](index=3&type=section&id=Consolidated%20Balance%20Sheets) Total assets decreased to **$30,976.3 million** from **$32,287.8 million** at year-end 2022, primarily due to reduced investment securities and cash, alongside a decline in liabilities from lower deposits Consolidated Balance Sheet Highlights (in millions) | Account | June 30, 2023 | December 31, 2022 | | :--- | :--- | :--- | | **Total Assets** | **$30,976.3** | **$32,287.8** | | Total cash and cash equivalents | $680.5 | $870.5 | | Total investment securities | $9,175.6 | $10,397.9 | | Net loans held for investment | $18,038.8 | $17,879.1 | | Goodwill | $1,100.9 | $1,100.9 | | **Total Liabilities** | **$27,855.1** | **$29,214.0** | | Total deposits | $23,579.2 | $25,073.6 | | Other borrowed funds | $2,589.0 | $2,327.0 | | **Total Stockholders' Equity** | **$3,121.2** | **$3,073.8** | [Consolidated Statements of Income](index=4&type=section&id=Consolidated%20Statements%20of%20Income) Net income for Q2 2023 increased to **$67.0 million** due to lower non-interest expense, and H1 2023 net income surged to **$123.3 million** Key Income Statement Data (in millions, except per share data) | Metric | Q2 2023 | Q2 2022 | H1 2023 | H1 2022 | | :--- | :--- | :--- | :--- | :--- | | Net Interest Income | $218.4 | $239.0 | $457.3 | $417.4 | | Provision for credit losses | $11.7 | $(1.7) | $26.9 | $59.6 | | Non-interest Income | $44.1 | $49.9 | $60.5 | $98.7 | | Non-interest Expense | $163.9 | $210.3 | $329.7 | $417.5 | | Net Income | $67.0 | $64.1 | $123.3 | $30.7 | | Diluted EPS | $0.65 | $0.59 | $1.19 | $0.30 | [Consolidated Statements of Comprehensive (Loss) Income](index=5&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20(Loss)%20Income) Comprehensive income for Q2 2023 was **$7.1 million**, a significant improvement from a **$63.7 million** loss in Q2 2022, driven by reduced other comprehensive losses Comprehensive Income (Loss) Summary (in millions) | Metric | Q2 2023 | Q2 2022 | H1 2023 | H1 2022 | | :--- | :--- | :--- | :--- | :--- | | Net Income | $67.0 | $64.1 | $123.3 | $30.7 | | Other comprehensive (loss) income, net of tax | $(59.9) | $(127.8) | $18.1 | $(318.8) | | **Comprehensive income (loss), net of tax** | **$7.1** | **$(63.7)** | **$141.4** | **$(288.1)** | [Consolidated Statement of Changes in Stockholders' Equity](index=6&type=section&id=Consolidated%20Statement%20of%20Changes%20in%20Stockholders%27%20Equity) Stockholders' equity increased from **$3,073.8 million** at year-end 2022 to **$3,121.2 million** at June 30, 2023, driven by net income and other comprehensive income, partially offset by dividends Reconciliation of Stockholders' Equity - H1 2023 (in millions) | Description | Amount | | :--- | :--- | | Balance at December 31, 2022 | $3,073.8 | | Net income | $123.3 | | Other comprehensive income, net of tax | $18.1 | | Common cash dividends declared | $(97.2) | | Stock-based compensation & other | $3.2 | | **Balance at June 30, 2023** | **$3,121.2** | [Consolidated Statements of Cash Flows](index=8&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) For H1 2023, cash and cash equivalents decreased by **$190.0 million**, primarily due to **$1,454.5 million** used in financing activities, largely from a **$1.5 billion** decrease in deposits Cash Flow Summary - H1 2023 vs H1 2022 (in millions) | Cash Flow Category | H1 2023 | H1 2022 | | :--- | :--- | :--- | | Net cash provided by operating activities | $229.6 | $269.2 | | Net cash provided by (used in) investing activities | $1,034.9 | $(163.4) | | Net cash used in financing activities | $(1,454.5) | $(1,391.3) | | **Net decrease in cash and cash equivalents** | **$(190.0)** | **$(1,285.5)** | [Notes to Unaudited Consolidated Financial Statements](index=10&type=section&id=Notes%20to%20Unaudited%20Consolidated%20Financial%20Statements) This section provides detailed disclosures for the consolidated financial statements, covering key accounting policies, acquisitions, asset composition, credit quality, and capital adequacy - The Company transitioned its Current Expected Credit Loss (CECL) model in Q2 2023, which did not materially impact the financial statements[105](index=105&type=chunk) - On February 1, 2022, the Company acquired Great Western Bancorp, Inc. for **$1.72 billion**, resulting in **$479.3 million** in goodwill[67](index=67&type=chunk)[69](index=69&type=chunk) - Effective January 1, 2023, the Company adopted ASU 2022-02, eliminating accounting guidance for Troubled Debt Restructurings (TDRs) and enhancing loan modification disclosures[15](index=15&type=chunk)[268](index=268&type=chunk) Loan Portfolio Composition (in millions) | Loan Category | June 30, 2023 | December 31, 2022 | | :--- | :--- | :--- | | Real estate | $13,604.4 | $13,456.2 | | Consumer | $980.2 | $1,058.5 | | Commercial | $3,002.7 | $2,882.6 | | Agricultural | $688.0 | $708.3 | | **Total Loans Held for Investment** | **$18,277.0** | **$18,114.8** | Allowance for Credit Losses (ACL) Activity - H1 2023 (in millions) | Description | Amount | | :--- | :--- | | Beginning Balance (Jan 1, 2023) | $220.1 | | Provision for Credit Losses | $22.1 | | Loans Charged-Off | $(23.0) | | Recoveries Collected | $5.4 | | **Ending Balance (June 30, 2023)** | **$224.6** | [Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations](index=52&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses the company's financial performance and condition, highlighting significant H1 2023 net income growth and balance sheet shifts influenced by rising interest rates and deposit trends [Executive Overview and Recent Trends](index=53&type=section&id=Executive%20Overview%20and%20Recent%20Trends) Despite H1 2023 banking volatility, the company maintains strong liquidity and capital, with key trends including increased cost of funds to **1.43%** and a rise in FHLB advances to **$2.6 billion** - Despite banking industry volatility in H1 2023, the Company's liquidity and balance sheet remain strong, with capital ratios exceeding all regulatory well-capitalized requirements[287](index=287&type=chunk) - The cost of interest-bearing funds increased to **1.43%** in Q2 2023 from **1.10%** in Q1 2023, driven by higher-cost deposits and increased FHLB borrowings[289](index=289&type=chunk) - FHLB advances increased from **$0.6 billion** at September 30, 2022, to **$2.6 billion** at June 30, 2023, with the average rate rising to **5.31%**[289](index=289&type=chunk) [Results of Operations](index=55&type=section&id=Results%20of%20Operations) Net income for Q2 2023 increased to **$67.0 million** due to lower non-interest expense, and H1 2023 net income surged to **$123.3 million** driven by higher net interest income and reduced acquisition expenses Change in Net Interest Income (in millions) | Period | 2023 | 2022 | Change | | :--- | :--- | :--- | :--- | | Three Months Ended June 30 | $218.4 | $239.0 | $(20.6) | | Six Months Ended June 30 | $457.3 | $417.4 | $39.9 | - Net interest income in H1 2023 included **$9.8 million** in accretion from acquired loans, compared to **$24.3 million** in H1 2022[173](index=173&type=chunk) - Total non-interest income decreased by **$38.2 million** in H1 2023, primarily due to a **$23.3 million** net loss on investment securities sales and an **$8.5 million** decrease in mortgage banking revenues[177](index=177&type=chunk) - Total non-interest expense decreased by **$87.8 million** in H1 2023, almost entirely due to the absence of **$111.0 million** in prior-year acquisition-related expenses[178](index=178&type=chunk)[220](index=220&type=chunk) [Financial Condition](index=61&type=section&id=Financial%20Condition) Total assets decreased by **$1,311.5 million** (4.1%) to **$30,976.3 million** at June 30, 2023, driven by lower cash and investment securities due to deposit declines, while loans grew - Total assets decreased by **$1.31 billion**, or **4.1%**, to **$30.98 billion** as of June 30, 2023[183](index=183&type=chunk) - Investment securities decreased by **$1.22 billion**, or **11.8%**, primarily due to **$853.0 million** in Q1 2023 dispositions and market value declines[185](index=185&type=chunk) - Non-accrual loans increased by **$26.9 million** (**45.4%**) to **$86.1 million** as of June 30, 2023, primarily in construction and commercial real estate[188](index=188&type=chunk) - The allowance for credit losses was **$224.6 million**, or **1.23%** of loans held for investment, as of June 30, 2023, compared to **$220.1 million**, or **1.22%**, at year-end 2022[335](index=335&type=chunk) - Total deposits decreased by **$1.49 billion**, or **6.0%**, during H1 2023, driven by declines in non-interest-bearing and savings deposits, partially offset by increased time deposits[342](index=342&type=chunk) [Capital Resources and Liquidity Management](index=67&type=section&id=Capital%20Resources%20and%20Liquidity%20Management) Stockholders' equity increased by **$47.4 million** to **$3,121.2 million** at June 30, 2023, maintaining a strong capital position exceeding regulatory requirements, supported by substantial FHLB and Federal Reserve borrowing capacity - Stockholders' equity increased by **$47.4 million** (**1.5%**) to **$3,121.2 million** as of June 30, 2023[347](index=347&type=chunk) - The company's board declared a quarterly dividend of **$0.47 per common share** on July 25, 2023[348](index=348&type=chunk) - As of June 30, 2023, the company's capital levels exceeded all 'well-capitalized' guidelines established by the Federal Reserve and FDIC[349](index=349&type=chunk) - As of June 30, 2023, the Bank had remaining borrowing capacity of **$4.5 billion** with the FHLB, **$2.5 billion** with the Fed's BTFP, and **$0.6 billion** at the Fed's Discount Window[354](index=354&type=chunk)[361](index=361&type=chunk) [Item 3. Quantitative and Qualitative Disclosures about Market Risk](index=69&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20about%20Market%20Risk) This section updates the company's market risk assessment, primarily interest rate risk, showing a more asset-sensitive position where a **+100 basis point** rate shock decreases net interest income by **2.32%** - As of June 30, 2023, an immediate **+100 basis point** parallel shock in interest rates was projected to decrease net interest income by **2.32%** over the following twelve months[366](index=366&type=chunk) - An immediate **-100 basis point** parallel shock was projected to increase net interest income by **3.51%**[366](index=366&type=chunk) [Item 4. Controls and Procedures](index=69&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded that the company's disclosure controls and procedures were effective as of June 30, 2023, with no material changes in internal control over financial reporting - Management concluded that disclosure controls and procedures were effective as of June 30, 2023[368](index=368&type=chunk) - There were no material changes in internal control over financial reporting during the quarter ended June 30, 2023[369](index=369&type=chunk) Part II - Other Information [Item 1. Legal Proceedings](index=69&type=section&id=Item%201.%20Legal%20Proceedings) The company is involved in various legal actions in the ordinary course of business, which management believes will not materially affect its financial condition or results of operations - The Company is involved in various legal actions in the ordinary course of business, but management does not expect their resolution to have a material adverse effect on its financial condition[372](index=372&type=chunk) [Item 1A. Risk Factors](index=69&type=section&id=Item%201A.%20Risk%20Factors) No material changes to the risk factors previously disclosed in the company's Annual Report on Form 10-K for the year ended December 31, 2022 - There have been no material changes in risk factors from those described in the Annual Report on Form 10-K for the year ended December 31, 2022[373](index=373&type=chunk) [Item 2. Unregistered Sales of Equity Securities and Use of Proceeds](index=70&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) During Q2 2023, the company had no unregistered equity sales, repurchasing **348 shares** at an average price of **$23.92** per share, primarily for tax withholding Share Repurchases in Q2 2023 | Period | Total Shares Purchased | Average Price Paid Per Share | | :--- | :--- | :--- | | April 2023 | 44 | $29.51 | | May 2023 | 0 | $0.00 | | June 2023 | 304 | $23.11 | | **Total** | **348** | **$23.92** | - The stock repurchases were redemptions of vested restricted shares tendered to cover tax withholding for participants in the company's equity compensation plan[376](index=376&type=chunk) [Item 3. Defaults Upon Senior Securities](index=70&type=section&id=Item%203.%20Defaults%20Upon%20Senior%20Securities) No defaults upon senior securities were reported during the period [Item 4. Mine Safety Disclosures](index=70&type=section&id=Item%204.%20Mine%20Safety%20Disclosures) This item is not applicable to the company's operations [Item 5. Other Information](index=70&type=section&id=Item%205.%20Other%20Information) No directors or executive officers adopted, modified, or terminated any Rule 10b5-1 trading plans during the quarter [Item 6. Exhibits](index=71&type=section&id=Item%206.%20Exhibits) This section lists all exhibits filed with the report, including CEO and CFO certifications, corporate governance, and compensation plan documents

2Q22 3Q22 4Q22 1Q23 2Q23 Total Non-interest Expenses Adjusted Non-interest Expenses ² Efficiency Ratio ¹ Adjusted Efficiency Ratio ² Non-interest Expense Notes: • Q2 2023 results include $1.9 million in severance expense in salaries and wages 1 The ratio of the bank's non-interest expense to revenue (per FDIC definition) 2 See Non-GAAP table in appendix for reconciliation 20 2023 GUIDANCE SUMMARY Net Interest Income & Net Interest Margin • Loan growth expected to be low-single-digit end-of-period growth for ...