Table of Contents 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, 2021 ☐ 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 001-12669 SOUTHSTATE CORPORATION (Exact name of registrant as specified in its charter) South Carolina (State or other jurisdiction o ...

Financial Data and Key Metrics Changes - In Q4 2021, SouthState Corporation reported net interest income of $258 million, with core net interest income reaching a record $245 million, up $6 million from Q3 [16][20] - Deposits increased by 18% in Q4, amounting to $1.5 billion growth, while the cost of deposits was reduced to just six basis points [11][17] - The company ended the year with a CET1 ratio close to 12% and a tangible book value per share of $44.62 [20] Business Line Data and Key Metrics Changes - The company originated approximately $10 billion in new loans in 2021, a 40% to 50% increase compared to the previous two years, with Q4 loan originations reaching a record $3.1 billion, up 19% from Q3 [10][11] - Atlanta Capital reported a 22% annualized loan growth in Q4, with net loan growth particularly strong in commercial and industrial categories [23] Market Data and Key Metrics Changes - The South experienced a population increase of 786,000 during the pandemic, with Florida, Georgia, North Carolina, and South Carolina being among the fastest-growing states, driving strong housing demand [12] - The average noninterest-bearing deposits at Atlanta Capital increased by 33% annualized on a linked quarter basis, and grew 52% year-over-year [25] Company Strategy and Development Direction - The company aims to focus on internal growth in 2022, with plans to increase the loan-to-deposit ratio from 68% to closer to 80% over the next two years [36] - Management expressed optimism about deploying excess cash into a higher rate environment to drive revenue growth [14] Management's Comments on Operating Environment and Future Outlook - Management noted that the excess liquidity in the system has led to elevated loan payoffs, but anticipated that rising interest rates would reduce prepayments and improve net loan growth [40] - The company is optimistic about its momentum and growth opportunities in the Southeast, particularly in light of the ongoing economic recovery [14][28] Other Important Information - The company repurchased approximately 632,000 shares in Q4, totaling 1.82 million shares for the year, representing about 2.6% of the company [20] - Noninterest income improved by approximately $5 million from the prior quarter, with a record quarter for the corresponding division [17] Q&A Session Summary Question: Update on excess cash deployment - Management indicated a goal to increase the loan-to-deposit ratio from 68% to 80% over the next two years, with plans to deploy excess liquidity opportunistically [36] Question: Outlook on expenses and inflation - Management aims to keep noninterest expense growth in low single digits for 2022, acknowledging the inflationary environment [37] Question: Expectations for loan growth and paydowns - Management noted that while loan production increased, net growth decreased due to higher payoffs, and anticipated that rising interest rates would help stabilize this [40] Question: Correspondent banking area outlook - Management expects correspondent banking revenues to remain steady, influenced by client liquidity and market conditions [54] Question: Service charges and overdraft fees outlook - Management acknowledged seasonal factors and the end of waivers contributing to increased service charges, with ongoing evaluations of overdraft fee practices [58][60] Question: Loan yield stability and future expectations - Management indicated that loan yields have remained stable, with expectations for gradual increases as interest rates rise [61] Question: Accretion income expectations - Management expects accretion income to remain in the $5 million to $6 million range post-PPP, with no significant changes anticipated from the Atlantic Capital acquisition [64][65]

Earnings Call 4Q 2021 Tuesday, January 25, 2022 DISCLAIMER Statements included in this communication, which are not historical in nature are intended to be, and are hereby identifie d as, forward-looking statements for purposes of the safe harbor provided by Section 27A of the Securities Act of 1933 a nd Section 21E of the Securities Exchange Act of 1934. Forward-looking statements are based on, am ong other things, management's beliefs, assumptions, current expe ctations, estimates a nd proje ctions a bout ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 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 001-12669 SOUTHSTATE CORPORATION (Exact name of registrant as specified in its charter) South Carolina 57-0799 ...

SouthState Corporation (NYSE:SSB) Q3 2021 Earnings Conference Call October 28, 2021 10:00 AM ET CorporateParticipants Will Matthews - Chief Financial Officer Robert Hill - Executive Chairman John Corbett - Chief Executive Officer and Director Steve Young - Chief Strategy Officer Doug Williams – President, SouthState's Atlanta Banking ConferenceCall Participants Jennifer Demba - Truist Brody Preston - Stephens Inc Catherine Mealor - KBW Stephen Scouten - Piper Sandler Christopher Marinac - FIG Partners Opera ...

Earnings Call 3Q 2021 Thursday, October 28, 2021 DISCLAIMER Statements included in this communication, which are not historical in nature are intended to be, and are hereby identified as, forward-looking statements for purposes of the safe harbor provided by Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements are based on, among other things, management's beliefs, assumptions, current expectations, estimates and projections about the f ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 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 001-12669 SOUTH STATE CORPORATION (Exact name of registrant as specified in its charter) South Carolina 57-0799315 ...

Atlantic Capital Bancshares, Inc. (ACBI) Q2 2021 Earnings Conference Call July 23, 2021 1:00 PM ET Company Participants Will Matthews - Chief Financial Officer Robert Hill - Chairman John Corbett - Chief Executive Officer Doug Williams - Chief Executive Officer, Atlantic Capital Bancshares, Inc. Steve Young - Chief Strategy Officer Richard Murray - President Conference Call Participants Jennifer Demba - Truist Michael Rose - Raymond James Kevin Fitzsimmons - D.A. Davidson Christopher Marinac - Janney Montg ...

| --- | --- | --- | --- | --- | |----------------------------------------------------------|-------|-------|-------|-------| | | | | | | | | | | | | | INVESTOR PRESENTATION \| Q2 2021 atlanticcapitalbank.com | | | | | | Proprietary & Confidential NASDAQ TICKER: ACBI | | | | | Forward-Looking Statements Disclaimer and Non-GAAP Financial Information This presentation contains forward-looking statements within the meaning of section 27A of the Securities Act of 1933, as amended, and 21E of the Securities Excha ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-12669 SOUTH STATE CORPORATION (Exact name of registrant as specified in its charter) South Carolina 57-0799315 (State or other jurisdiction of incorporation) (I.R.S. Employer Identification No.) 1101 First Street South, Suite 202 Winter Haven, Florid ...