Webster Financial Corporation (NYSE:WBS) Q1 2023 Earnings Conference Call April 20, 2023 9:00 AM ET Company Participants Emlen Harmon - Director, Investor Relations John Ciulla - Chief Executive Officer Glenn MacInnes - Chief Financial Officer Conference Call Participants Chris McGratty - Keefe, Bruyette & Woods Casey Haire - Jefferies Matthew Breese - Stephens Daniel Tamayo - Raymond James Mark Fitzgibbon - Piper Sandler Steve Alexopoulos - JPMorgan Zach Westerlind - UBS Jared Shaw - Wells Fargo Securities ...

Financial Performance - Reported net income available to common was $216.8 million[14], while adjusted net income available to common was $259.1 million[14] - Net interest income totaled $595.3 million, a decrease of $7.1 million or 1.2% from the prior quarter[27, 31] - Adjusted non-interest income decreased by $19.2 million quarter-over-quarter[33] - The efficiency ratio was 41.64%[27] Balance Sheet and Capital - Total loans increased by $1.2 billion or 2.3% from the prior quarter, reaching $50.927 billion[2, 16, 19] - Total deposits increased by $1.243 billion or 2.3% from the prior quarter, reaching $55.297 billion[2, 16, 23] - The loan-to-deposit ratio was 92.1%[16] - Common Equity Tier 1 (CET1) ratio was 10.40%[2, 16, 44] - Tangible book value per common share grew to $29.47[17] Deposits and Liquidity - Uninsured deposits as a percentage of total deposits were 23.4%[7] - Immediately available liquidity covered 118% of uninsured deposits[7] - interLINK added $2.9 billion of deposits[3, 23] Loan Portfolio - Office CRE (Commercial Real Estate) represented 2.8% of total loans, amounting to $1.4 billion, with a weighted average Loan-to-Value (LTV) of approximately 52%[10, 13]

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, 2022 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period f ...

Webster Financial Corporation (NYSE:WBS) Q4 2022 Earnings Conference Call January 26, 2023 9:00 AM ET Company Participants Emlen Harmon - Investor Relations John Ciulla - Chief Executive Officer Glenn MacInnes - Executive Vice President, Chief Financial Officer Conference Call Participants Chris McGratty - Keefe, Bruyette, & Woods Mark Fitzgibbon - Piper Sandler Matthew Breese - Stephens Inc. Casey Haire - Jefferies Alex Lau - JPMorgan Jared Shaw - Wells Fargo Securities Manan Gosalia - Morgan Stanley Lauri ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _______________________________________________________________________________ ______________________________________________________________________________FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 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 ...

Webster Financial Corporation (NYSE:WBS) Q3 2022 Earnings Conference Call October 20, 2022 9:00 AM ET Company Participants Emlen Harmon - Investor Relations John Ciulla - Chief Executive Officer Glenn MacInnes - Executive Vice President, Chief Financial Officer Conference Call Participants Chris McGratty - Keefe, Bruyette, & Woods Mark Fitzgibbon - Piper Sandler Casey Haire - Jefferies Steven Alexopoulos - JPMorgan Matthew Breese - Stephens Inc. Timur Braziler - Wells Fargo Securities Laurie Hunsicker - Com ...

Earnings Conference Call Third Quarter 2022 October 20, 2022 WEBSTER FINANCIAL CORPORATION Third Quarter 2022 Highlights | --- | --- | --- | --- | --- | |-------|-----------|-------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------|--------------------------------| | | | | REPORTED | ADJUSTED | | • | | Reported results include merger/initiative related charges of $37.2 million ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _______________________________________________________________________________ ______________________________________________________________________________FORM 10-Q ☒ 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 ____ ...

Earnings Conference Call Second Quarter 2022 July 21, 2022 WEBSTER FINANCIAL CORPORATION Second Quarter 2022 Highlights | --- | --- | --- | --- | --- | |-------|-------|-------------------------------------------------------------------------------------------------------------|------------------------------------------|----------------------------------------| | | | | | | | | | | REPORTED | ADJUSTED | | • | | Reported results include merger/initiative related charges of $66.5 million pre-tax | $249.4M PPNR ...

Webster Financial Corporation (NYSE:WBS) Q2 2022 Earnings Conference Call July 21, 2022 9:00 AM ET Company Participants John Ciulla - Chief Executive Officer Glenn MacInnes - Executive Vice President, Chief Financial Officer Conference Call Participants Chris McGratty - Keefe, Bruyette, & Woods Mark Fitzgibbon - Piper Sandler Steven Alexopoulos - JPMorgan Matthew Breese - Stephens Laurie Hunsicker - Compass Point Bernie Horn - Polaris Capital Management Operator Good morning. Welcome to the Webster Financia ...