苏州银行股份有限公司投资者关系活动记录表 | | 3、贵行在异地区域的贷款投放情况如何？ | | --- | --- | | | 答：近年来，本行扎实推进异地区域特别是异地重点 | | | 区域发展，异地分行贡献度稳步提升，江苏省内其他地区 | | | 贷款余额占比超 40%。后续，本行将继续因地制宜，深融 | | | 属地市场，延伸服务触角，充分挖掘全省金融服务需求。 | | 关于本次活动是否 | 接待过程中，公司接待人员与投资者进行了充分的交流与 | | 涉及应披露重大信 | 沟通，严格按照有关制度规定，没有出现未公开重大信息 | | 息的说明 | | | | 泄露等情况。 | | 活动过程中所使用 | | | 的演示文稿、提供的 | | | 文档等附件（如有， | | | 可作为附件） | | 编号：2025-12 2 | | □分析师会议 特定对象调研 | | --- | --- | | 投资者关系活动类 | □媒体采访 □业绩说明会 | | 别 | □新闻发布会 □路演活动 | | | □现场参观 | | | □其他（请文字说明其他活动内容） | | | 调研人员：华安基金关鹏、郭昶皓 | | 活 ...

冉学东 居民风险偏好有所收敛。 央行最新发布的数据显示，今年前四个月我国人民币存款增加了12.55万亿元，而去年前四个月人民币存款增加了 7.32万亿元，两相比较超过5.23万亿元，多增加了超三分之二，这个增幅是近几年最大的。 从细项看，住户存款增幅较大，2024年前四个月住户存款增加6.71万亿元，今年前四月住户存款增加7.83万亿元， 今年比去年增加了1.1万亿元。 而从居民的融资看，居民的风险偏好仍然在收敛，消费信心改善迹象不明显，未来消费趋势是否好转，居民融资 仍然是一个好的观察窗口。 变化最大的是非金融企业存款，今年前四个月非金融企业存款增加了4103亿元，去年则是减少了1.65万亿元。财 政性存款增幅也较大，今年增加了1.19万亿元，去年则是减少了1874亿元。 非金融企业存款数据为什么会有这样的变化呢，我们说贷款创造存款，去年前四个月企（事）业单位贷款增加 8.63万亿元，其中，短期贷款增加2.56万亿元，中长期贷款增加6.61万亿元；今年企（事）业单位贷款增加9.27万 亿元，其中，短期贷款增加3.03万亿元，中长期贷款增加5.83万亿元。由此看，这两年企业贷款变化不是很明显， 不能说明问题。 ...

Financial Data and Key Metrics Changes - Net income for Q1 2025 was $13.1 million, with a return on average assets of 1.3% and return on average equity of 13.28% [11] - Total loans held for investment increased by $89.1 million or 2.52% from the prior quarter, with average loan yields rising by one basis point to 6.02% [4][11] - Net interest margin improved by nine basis points to 3.45% from 3.36% in the previous quarter, primarily due to lower average cost of deposits [11] - Non-interest income decreased to $1.4 million from $1.7 million in the previous quarter, mainly due to reduced income from equity investments [12] Business Line Data and Key Metrics Changes - The commercial real estate segment of the loan portfolio increased from 80.75% to 81.11% quarter over quarter, indicating a strong focus on this area [5] - Loan originations for the first quarter were $259.3 million, while payoffs and pay downs were $65.6 million and $104.6 million respectively [5] - Non-performing loans remained stable at 0.05% of loans held for investment [6] Market Data and Key Metrics Changes - Deposits increased by $178.4 million or 5% compared to the previous quarter, driven by increases in non-interest bearing demand and various types of interest-bearing deposits [6][9] - Non-interest bearing deposits as a percentage of total deposits decreased slightly to 24.99% from 25.93% in the prior quarter [8] - Wholesale deposits increased by $130 million or 23.21% quarter over quarter, while non-wholesale deposits rose by $48.4 million or 1.61% [9] Company Strategy and Development Direction - The company is focused on organic growth and disciplined business practices, aiming to benefit customers, employees, community, and shareholders [14] - Expansion into the San Francisco Bay Area is a key strategic initiative, supported by the addition of seasoned professionals [4][14] - The company aims to maintain a fortress balance sheet with a target of 10% in cash and a loan-to-deposit ratio of less than 100% [23] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's resilience and ability to adapt to changing economic conditions, projecting loan growth of 10% to 12% for the remainder of the year [20][21] - Concerns regarding tariffs and economic slowdown were acknowledged, but management believes the bank is well-positioned due to the composition of its loan portfolio [30] - The company remains optimistic about the demand for loans, particularly in the mobile home park and RV park sectors, which have historically performed well [30] Other Important Information - The company declared a cash dividend of $0.20 per share, expected to be paid on May 12, 2025 [10] - Five Star Bancorp was ranked third on the S&P Global Market Intelligence List of best-performing community banks in the nation for banks with assets between $3 billion and $10 billion [64] Q&A Session Summary Question: Loan growth outlook for the year - Management is bullish on loan growth, projecting 10% to 12% for the rest of the year, supported by a strong sales force [20][21] Question: Reason for higher cost wholesale funding - Management indicated that core deposit growth is expected to match loan growth, and they do not anticipate additional wholesale funding [22][23] Question: Impact of tariffs on RV manufactured housing business - Management feels comfortable with their portfolio's performance in the face of tariffs, citing historical resilience during economic downturns [30] Question: Changes in allowance for loan losses - The increase in allowance was driven by portfolio growth and revised economic forecasts from the FOMC [36][37] Question: Loan pricing competition - Management acknowledged competitive pricing but remains satisfied with their current loan spreads [40][41] Question: Small business borrowers' response to economic uncertainty - Management noted that small business borrowers face high costs of borrowing, but they maintain a high level of reserves against this book [55][57]

Financial Data and Key Metrics Changes - Net interest income increased by more than 12% from the fourth quarter and 17% year over year, with net interest margin expanding by 44 and 57 basis points respectively [4] - Non-interest income was $10,400,000, supported by enhancements to the company-owned life insurance portfolio and increased investment advisory income [5] - Net income for the first quarter was $16,900,000, with diluted EPS at $0.81, driven by improved net interest income and effective non-interest expense management [16] - The efficiency ratio was 59%, consistent with the full-year target of below 60% [5] Business Line Data and Key Metrics Changes - Total loans increased by 1.7% during the quarter, driven by both commercial and industrial (C&I) and commercial real estate (CRE) lending [7] - Commercial business loans rose by 6.6% during the quarter, while commercial mortgage loans increased by 1.3% [8] - Consumer indirect balances were up just shy of 1% from December 31, but down 7% year over year [10] - Residential lending decreased by 1% from both the linked and year-ago quarters due to high competition and tight housing inventory [12] Market Data and Key Metrics Changes - Deposits increased by 5.3% from year-end 2024, driven by seasonally higher public deposit balances and an increase in brokered deposits [12] - Cash-related deposits totaled approximately $55,000,000 as of March 31, 2025, with expectations for a portion to remain on the balance sheet into the third quarter [13] Company Strategy and Development Direction - The company is focused on driving internal efficiency, controlling credit extension, and maintaining a disciplined approach to management [6] - The strategic focus includes sustainable customer growth and service excellence across its retail network and banking locations [25] - The company plans to continue evaluating options for subordinated debt facilities moving forward [14] Management's Comments on Operating Environment and Future Outlook - Management expressed a cautious outlook for the industry due to uncertainties in the political and macroeconomic environments [6] - The company remains committed to a low single-digit growth guidance for 2025, reflecting a conservative approach amid economic volatility [8] - Management reiterated confidence in maintaining profitability and credit discipline despite the uncertain economic landscape [24] Other Important Information - The company welcomed a new executive with extensive experience in consumer banking, expected to contribute to strategic objectives [25] - The company filed its 2025 proxy statement, with new directors nominated to enhance corporate governance [26] Q&A Session Summary Question: Loan growth outlook for the year - Management is comfortable with their guidance, noting that uncertainty has led customers to pause anticipated investments [30][31] Question: NIM guidance and levers for improvement - Key levers include cash flow from the portfolio and deposit repricing, with about $500,000,000 of CDs maturing in the next nine months [33][34] Question: Expected COLI income over the next quarters - COLI income is expected to be elevated in the second quarter before normalizing, with a significant increase in yield due to restructuring [41][42] Question: Provision outlook for credit - The guided ACL to average loans ratio is expected to hover around 107 to 108 basis points for the rest of the year [45]

West Bancorporation (WTBA) Q1 2025 Earnings Call April 24, 2025 03:00 PM ET Company Participants Jane Funk - Executive VP, Treasurer & CFODavid Nelson - President and Chief Executive OfficerHarlee Olafson - Executive VP & Chief Risk OfficerBrad Winterbottom - Executive Vice PresidentBrad Peters - EVP Conference Call Participants Andrew Liesch - MD & Senior Research AnalystNone - Analyst Operator Thank you for standing by. My name is Kate, and I will be your conference operator today. At this time, I would l ...

Financial Data and Key Metrics Changes - For Q1 2025, the company reported net income of $11.3 million or 67 cents per diluted share, reflecting strong performance [10] - Tangible book value increased to $23.61 per share, representing over 9% annualized growth quarter over quarter [11] - Total revenue reached $46.8 million, with net interest income expanding as anticipated [15] Business Line Data and Key Metrics Changes - Loan growth was at a 9% annualized pace for Q1, meeting expectations, while deposit growth was 10% quarter over quarter annualized [13] - Non-interest income for the quarter totaled $8.6 million, exceeding guidance due to strong insurance and mortgage banking revenues [28] - Operating expenses remained flat at just over $32 million, indicating effective cost management [29] Market Data and Key Metrics Changes - The loan to deposit ratio held steady at 83%, providing flexibility for future growth [20] - The weighted average cost of non-broker deposits was 3.39%, with total interest-bearing costs decreasing by 10 basis points to 0.92% [22] - Net interest margin was 3.21%, slightly down from the previous quarter but in line with guidance [24] Company Strategy and Development Direction - The company is focused on organic growth, with plans to leverage its strong market position and experienced team [33][39] - Talent acquisition remains a priority, with recent hires aimed at enhancing private banking and treasury management [36] - The company is optimistic about maintaining growth in EPS and achieving near-term revenue targets [35] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the strength of their markets and customer sentiment, despite economic uncertainties [45][46] - The company anticipates continued loan growth and margin expansion, driven by new loan production and favorable market conditions [26][39] - Management remains cautious about potential impacts from tariffs but reports positive feedback from clients regarding order volumes [49][50] Other Important Information - The effective corporate tax rate for the quarter was approximately 17%, with expectations to stabilize between 18% to 19% going forward [30] - The company's consolidated TCE ratio increased to 6%, and total risk-based capital ratio remained well above regulatory standards at 11.2% [31] - The company welcomed a new board member, Kelly Showmaker, enhancing its governance and regional perspective [40] Q&A Session Summary Question: Customer sentiment and loan growth outlook - Management noted strong customer sentiment and confidence in maintaining loan growth despite market volatility [45][46] Question: Balance sheet leverage and deposit ratios - Management indicated room for prudent growth in the balance sheet while maintaining a strong loan to deposit ratio [53][58] Question: Share repurchases and capital actions - The company has $1.5 million left for share repurchases and is considering actions based on stock valuation [60][63] Question: Margin expectations and Fed rate cuts - Management expects two to three basis points of margin expansion quarterly, benefiting slightly from Fed rate cuts [68][70] Question: Fee income trends and investment services - Management anticipates low to mid $8 million range for non-interest income in Q2, with strong performance in insurance and mortgage banking [28][113] Question: Equipment financing and leasing business line - Management expressed satisfaction with the growth and performance of the equipment financing segment, indicating plans for further development [146][148]

Preferred Bank (PFBC) Q4 2024 Earnings Call January 28, 2025 02:00 PM ET Company Participants Jeffrey Haas - Investor Relations, Financial Profiles, Inc.Li Yu - Chairman and Chief Executive OfficerAndrew Terrell - Managing DirectorEdward Czajka - Executive VP & CFONick Pi - Executive VP & Chief Credit OfficerWellington Chen - President & COOTimothy Coffey - MD & Associate Director of Depository ResearchDavid Feaster - Director Conference Call Participants Matthew Clark - MD & Senior Research AnalystGary P. ...

Enterprise Financial Services (EFSC) Q4 2024 Earnings Call January 28, 2025 11:00 AM ET Company Participants Jim Lally - President & Chief Executive OfficerScott Goodman - Senior EVPKeene Turner - Senior EVP & CFODavid Long - Managing DirectorDouglas Bauche - Chief Credit OfficerDamon Delmonte - Managing Director Conference Call Participants Jeff Rulis - MD & Senior Research AnalystAndrew Liesch - MD & Senior Research AnalystNone - Analyst Operator Hello, and welcome to Enterprise Financial Services Corp. 4 ...