MidWestOne(MOFG) - 2024 Q4 - Earnings Call Presentation

Financial Performance - Total assets decreased by 3% year-over-year to $6.2363 billion[5] - Total loans held for investment, net, increased by 4.6% year-over-year to $4.3156 billion[5] - Total deposits increased by 1.5% year-over-year to $5.478 billion[5] - Net interest margin, tax equivalent, increased by 121 basis points year-over-year to 3.43%[5] - Diluted EPS increased by 359% year-over-year to $0.78[5] - Adjusted EPS increased by 67% year-over-year to $0.77[5] Credit Risk Profile - Nonperforming loans ratio decreased by 13 basis points year-over-year to 0.51%[5] - Net charge-off ratio decreased by 14 basis points year-over-year to 0.06%[5] - Allowance for credit losses ratio increased by 3 basis points year-over-year to 1.28%[5] Wealth Management - Wealth Management Assets Under Administration increased from $2.44 billion in 2020 to $3.15 billion in 2024[26] - Investment Services and Private Wealth Revenue increased from $9.6 million in 2020 to $14.2 million in 2024[27]