BankUnited(BKU) - 2023 Q3 - Earnings Call Presentation

Financial Performance - Net interest margin expanded to 2.56% from 2.47% for the prior quarter[16] - Total deposits grew by $274 million in Q3[17] - Non-brokered deposits grew by $484 million[17] - Net income was $47 million[28] - Pre-Provision, Net Revenue (PPNR) was $95 million[29] Deposits and Funding - Period-end Non-interest DDA was $7,357 million[1] - Non-interest bearing DDA stable at 28% of total deposits[17] - Paid off $1 billion in wholesale funding[16] - FHLB advances paid down by $810 million[17] Asset Quality and CRE Portfolio - Low NPA ratio of 0.40% at September 30[5] - Annualized net charge-off rate of 0.07%[5] - High quality CRE portfolio with weighted average DSCR of 1.80 and weighted average LTV of 55.8%; 58% in Florida[5] - CRE to total loans is 24%[5] - Allowance for credit losses to total loans increased to 0.80%[3] Liquidity and Capital - Same day available liquidity of $14.4 billion[3] - Available liquidity is 161% of uninsured, uncollateralized deposits[3] - CET 1 ratio of 11.4%[3]