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, 2022 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 57-0799315 ( ...

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 March 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 Commission file number 001-12669 SOUTHSTATE CORPORATION (Exact name of registrant as specified in its charter) South Carolina 57-0799315 ...

Financial Data and Key Metrics Changes - The company reported earnings per share of $1.39, with adjusted earnings per share at $1.69, yielding a return on tangible common equity of approximately 17% [8] - The net interest margin for Q1 2022 was the highest quarter for net interest income, up $9 million from Q4 2021 [17] - The cost to total deposits reached a new low of 5 basis points for the quarter [19] - The company experienced a significant increase in its investment portfolio, growing from $7 billion to $9 billion during the quarter [12] Business Line Data and Key Metrics Changes - Loan production hit $2.6 billion for the quarter, with linked quarter annualized loan growth at 6.3% excluding Atlantic Capital acquired loan balances [13] - Non-interest income was reported at $86 million, down approximately $6 million from Q4 2021 [20] - The mortgage production for the quarter was $1.27 billion, with 47% going to the secondary market and 53% retained in the portfolio [21] Market Data and Key Metrics Changes - The Southeast economy continues to show strength, with significant population migration and brisk construction activity [7] - The company noted that clients are facing labor shortages and wage pressures due to increased consumer demand [8] Company Strategy and Development Direction - The company is focused on expanding its FinTech and payments verticals following the acquisition of Atlantic Capital [10] - The management emphasized the importance of maintaining a liquid balance sheet and preparing for rising interest rates [11] - The company plans to eliminate NSF fees and introduce new deposit products with no overdraft fees, estimating a net impact of $0.08 to $0.10 per share annually [13] Management Comments on Operating Environment and Future Outlook - Management expressed optimism about the strength and resilience of clients despite market concerns about a recession [10] - The company is bullish on loan growth, expecting high single-digit to 10% growth rates, with April showing double-digit growth [42] - Management indicated that the current economic environment is favorable for the company to thrive, particularly due to population shifts to the Southeast [30] Other Important Information - The company repurchased approximately 1 million shares in Q1 2022, with an additional 300,000 shares repurchased in April [27] - The ending regulatory capital levels remain strong, with a CET 1 ratio of 11.4% and total risk-based capital of 13.3% [28] Q&A Session Summary Question: Discussion on asset sensitivity and deposit beta - Management explained that their net interest margin was 2.77% in Q1 and they expect it to improve to 3.2% to 3.3% by the end of Q4 based on Moody's forecasts [34][35] Question: Loan growth expectations - Management indicated that they are targeting high single-digit to 10% loan growth, with current production levels supporting this guidance [42] Question: Correspondent business performance - Management provided guidance that the correspondent division's revenue would remain stable, with expectations for arc revenues to be slightly higher than fixed income due to changes in interest rates [49] Question: Credit provisioning outlook - Management discussed the uncertainty in predicting provisioning levels but expressed confidence in the current asset quality and client cash positions [58] Question: Hiring environment and opportunities - Management highlighted their proactive approach to recruiting talent from larger banks, indicating a strong opportunity for growth in key markets [60] Question: Share buyback strategy - Management stated that their priority is to invest in growth rather than share buybacks, although they will consider repurchases based on market conditions [62]

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 ...

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 ...