Origin Bank(OBK) - 2023 Q4 - Earnings Call Presentation

Financial Performance Highlights - Net Interest Margin (NIM-FTE) was 3.19% for 4Q23, a 5 basis point increase compared to 3Q23[6] - Net income was $13.425 million in 4Q23, compared to $24.313 million in 3Q23[6] - Adjusted Pre-Tax, Pre-Provision (PTPP) Earnings were $26.654 million in 4Q23, compared to $30.663 million in 3Q23[6] - Diluted EPS was $0.43 in 4Q23, compared to $0.79 in 3Q23[6] - Return on Average Assets (ROAA) was 0.55% in 4Q23, compared to 0.96% in 3Q23[6] - Return on Average Stockholders' Equity (ROAE) was 5.26% in 4Q23, compared to 9.52% in 3Q23[6] Balance Sheet - Total Loans Held for Investment (LHFI) were $7.661 billion in 4Q23[6, 15] - Total Assets were $9.723 billion in 4Q23[6] - Total Deposits were $8.251 billion in 4Q23[6] - LHFI to deposits, excluding mortgage warehouse lines of credit (MW LOC), were 88.8% at December 31, 2023, compared to 87.0% at September 30, 2023[6]