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 ...

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 ...

Financial Data and Key Metrics Changes - The company reported earnings per share of $2.06, adjusted for merger expenses, resulting in $2.17, with a return on assets of 1.6% and a return on tangible common equity of 22% [10] - Core deposits surged by 30% in the quarter, with deposit costs falling to just 15 basis points [11] - The net interest margin (NIM) was 3.12%, down two basis points from the previous quarter [16] Business Line Data and Key Metrics Changes - Non-PPP loan balances declined by $185 million, a 3% annualized rate, primarily in single-family residential loans and HELOCs [18] - Mortgage banking income increased by $1.7 million, with production reaching $1.3 billion in the quarter [22] - The total residential mortgage loans under management increased from $8.6 billion to $10 billion, a 16% rise [19] Market Data and Key Metrics Changes - The commercial and industrial loan balances increased for the third consecutive quarter, with a commercial pipeline growing to approximately $4.2 billion [20] - The company noted significant migration trends in the Southeast, with five of the top ten cities for in-migration being core markets [13] Company Strategy and Development Direction - The integration of CenterState and SouthState is nearing completion, aiming to create a $40 billion regional bank to compete with larger banks [12] - The company is focused on organic growth opportunities and is open to M&A, particularly in existing markets [48] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the economic recovery, indicating that the banking industry has avoided a prolonged credit cycle [8] - The company anticipates loan growth to return to mid-single-digit rates in the second half of the year, driven by increased residential loans and a growing commercial pipeline [62] Other Important Information - The company released $58 million in loan loss reserves, leaving a reserve level of 1.8% [10] - The tangible book value per share grew to $42.02, reflecting a 10.5% increase year-over-year [29] Q&A Session Summary Question: Thoughts on growing the securities book further - Management indicated a desire to increase the securities book to 16%-17% of assets, which would require an additional $1 billion to $1.5 billion in securities [37] Question: Right range of net charge-offs - Management noted that charge-offs will vary with the economic cycle but historically have been in the top quartile [38] Question: Status of cost savings from the merger - Management confirmed that approximately $20 million of the expected $80 million in cost savings has been realized [41] Question: Expected loan growth rates - Management expects loan growth to return to mid-single-digit rates in the second half of the year, with a focus on residential loans [62] Question: Future M&A opportunities - Management is open to M&A opportunities but emphasizes organic growth and capital deployment as primary focuses [48] Question: Expected pace of new hires - Management plans to continue hiring at a rate of five to ten new bankers per quarter [53] Question: Impact of mortgage expenses on fee income - Management clarified that mortgage commissions are netted against revenue, indicating a stable expense base despite fluctuations in revenue [57] Question: Capital deployment strategy - Management is considering stock buybacks and other investments as capital builds up [88]

Earnings Call 1Q 2021 Thursday, April 29, 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 fin ...

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, 2020 ☐ 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 (State or other jurisdiction ...