Sandy Spring Bancorp, Inc. (NASDAQ:SASR) Q1 2023 Earnings Conference Call April 20, 2023 2:00 PM ET Company Participants Daniel Schrider - Chair, President & Chief Executive Officer Aaron Kaslow - General Counsel & Chief Administrative Officer Phil Mantua - Chief Financial Officer Conference Call Participants Casey Whitman - Piper Sandler Catherine Mealor - KBW Manuel Navas - D.A Davidson Russell Gunther - Stephens Operator Good afternoon, ladies and gentlemen. Welcome to the Sandy Spring Bancorp, Inc. Earn ...

Allowance for Credit Losses - Loans: 1Q 2023 Change Change in economic forecast Change in qualitative adjustments - concentrations/credit Other, net ACL (Dollars in millions) $136.2 $(3.8) $(5.5) $(8.0) $(5.8) $4.5 $117.6 ACL Change in portfolio balances and mix 12/31/22 3/31/23 Change in qualitative adjustmentseconomy B Source: Company documents 26 Strong Credit Culture and Performance (0.01)% (0.02)% Non-performing Assets / Assets Annualized Net Charge-Offs (Recoveries) / Average Loans 0.37% 0.33% 0.33% 0 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 0-19065 SANDY SPRING BANCORP, INC. (Exact name of registrant as specified in its charter) Maryland 52-1532952 (State or other jurisdiction of incorporation or (I.R.S. Employer organizat ...

Sandy Spring Bancorp Inc. (NASDAQ:SASR) Q4 2022 Earnings Conference Call January 26, 2023 2:00 PM ET Company Participants Daniel Schrider - Chair, President and Chief Executive Officer Aaron Kaslow - General Counsel and Chief Administrative Officer Phil Mantua - Executive Vice President and Chief Financial Officer Conference Call Participants Casey Whitman - Piper Sandler Catherine Mealor - KBW Manuel Navas - D.A Davidson Operator Good afternoon. Thank you for attending the Sandy Spring Bancorp Earnings Con ...

Investor Real Estate $ 45,289 $ 50,813 $ 56,794 $ 64,169 $ 64,737 Commercial AD&C 20,322 18,459 13,383 16,847 18,646 Commercial Business 23,170 21,771 22,238 24,826 28,027 Total Commercial 100,468 101,903 103,199 116,941 123,056 Residential Mortgage 5,384 5,722 7,254 8,063 9,424 Residential Construction 1,048 889 1,141 1,226 1,337 Consumer 2,245 2,074 2,076 2,038 2,425 Total Residential and Consumer 8,677 8,685 10,471 11,327 13,186 Allowance for Credit Losses $ 109,145 $ 110,588 $ 113,670 $ 128,268 $ 136,24 ...

3rd Quarter 2022 Earnings Presentation October 20, 2022 1 Forward Looking Statements 3 Sandy Spring Bancorp's forward-looking statements are subject to the following principal risks and uncertainties: risks, uncertainties and other factors relating to the COVID-19 pandemic, including the effect of the pandemic on our borrowers and their ability to make payments on their obligations, the effectiveness of vaccination programs, and the effect of remedial actions and stimulus measures adopted by federal, state ...

Sandy Spring Bancorp, Inc. (NASDAQ:SASR) Q3 2022 Earnings Conference Call October 20, 2022 2:00 PM ET Company Representatives Daniel Schrider - President, Chief Executive Officer Phil Mantua - Chief Financial Officer Aaron Kaslow - General Counsel, Chief Administrative Officer Conference Call Participants Catherine Mealor - KBW Manuel Novice - D.A. Davidson Operator Good afternoon! Thank you for attending the Sandy Spring Bancorp Earnings Conference Call and Webcast for the Third Quarter. My name is Matt an ...

Sandy Spring Bancorp, Inc. (NASDAQ:SASR) Q2 2022 Earnings Conference Call July 21, 2022 2:00 PM ET Company Participants Daniel Schrider - Vice Chairman, President and Chief Executive Officer Aaron Kaslow - Executive Vice President, Chief Administrative Officer and General Counsel Phil Mantua - Executive Vice President and Chief Financial Officer Conference Call Participants Catherine Mealor - KBW Russell Gunther - D.A. Davidson Mark Hughes - Lafayette Investments Operator Good afternoon. Thank you for atte ...

2nd Quarter 2022 Earnings Presentation July 21, 2022 Forward Looking Statements 2 Sandy Spring Bancorp's forward-looking statements are subject to the following principal risks and uncertainties: risks, uncertainties and other factors relating to the COVID-19 pandemic, including the effect of the pandemic on our borrowers and their ability to make payments on their obligations, the effectiveness of vaccination programs, and the effect of remedial actions and stimulus measures adopted by federal, state and l ...

Sandy Spring Bancorp, Inc. (NASDAQ:SASR) Q1 2022 Earnings Conference Call April 21, 2022 2:00 PM ET Company Participants Daniel Schrider – President and Chief Executive Officer Aaron Kaslow – General Counsel Phil Mantua – Chief Financial Officer Conference Call Participants Casey Whitman – Piper Sandler Erik Zwick – Boenning & Scattergood Catherine Mealor – KBW Russell Gunther – D.A. Davidson Brody Preston – Stephens Operator Hello and welcome to today's Sandy Spring Bancorp, Incorporated Earnings Conferenc ...