Prologis Apex Park, Daventry, United Kingdom THIRD QUARTER 2025 Prologis Supplemental Information Unaudited Contents Q3 2025 Supplemental Highlights Financial Information Operations Capital Deployment Strategic Capital Capitalization Net Asset Value 33 Components Notes and Definitions 35 Notes and Definitions 1 Company Profile 2 Company Performance 4 Prologis Leading Indicators and Proprietary Metrics 5 Guidance 6 Consolidated Balance Sheets 7 Consolidated Statements of Income 8 Reconciliations of Net Earni ...

Financial Data and Key Metrics Changes - The company reported a strong quarter with solid organic growth in both loan and deposit portfolios, contributing to strong capital accumulation and favorable capital ratios [3][4] - The core net interest margin for the quarter was 4.55%, with expectations of slight compression to 4.50% due to deposit cost pressures and potential further rate cuts [20][21] Business Line Data and Key Metrics Changes - Loan growth remains robust, with expectations of high single-digit year-over-year growth, despite potential lumpy paydowns [9][10] - Loan fee income has increased, now representing about 40 basis points of the margin, driven by successful sales efforts and a robust deal market [21][22] Market Data and Key Metrics Changes - The current loan pricing dynamics show new loans coming in slightly below the previous average of 7.4%, with more pressure observed on the deposit side [12] - The mortgage business is currently slow, with expectations for improvement in 2026, although the pipeline has increased compared to six months ago [31][32] Company Strategy and Development Direction - The company is actively pursuing M&A opportunities, focusing on strategic combinations, although current market conditions present challenges due to factors like AOCI and long maturity loans [13][35] - The acquisition of a mortgage operation is seen as a strategic move to enhance service offerings to high-net-worth clients, with expectations for gradual growth in this segment [32][33] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the current market conditions and the company's positioning, highlighting strong liquidity, capital, earnings, and margins [3][4] - Concerns about macroeconomic volatility have led to increased reserves, reflecting a cautious approach to credit amidst growth [22][23] Other Important Information - The company anticipates a similar run rate for core fee income and non-interest expenses in the upcoming quarter, with oil and gas revenue being less predictable [29] - Credit trends remain strong, with no significant migrations in criticized or classified loans during the quarter [39] Q&A Session Summary Question: Loan growth outlook for Q4 and 2026 - The company expects high single-digit year-over-year growth, with a good current pipeline despite potential paydowns [9][10] Question: Loan pricing dynamics - New loans are slightly below the previous average of 7.4%, with more pressure on deposits than loans [12] Question: M&A activity update - The company is actively looking at various transactions and remains competitive in the M&A space [13][35] Question: Net interest margin trajectory - Expected slight compression in net interest margin due to deposit cost pressures and rate cuts [20] Question: Credit trends and reserve increases - Credit performance was strong, with a decision to increase reserves due to macroeconomic volatility [22][23] Question: Mortgage business outlook - The mortgage business is slow but expected to improve in 2026, with a stronger pipeline than six months ago [31][32]

Financial Data and Key Metrics Changes - The company reported a net loss of $29.7 million, or $1.57 per diluted share for the quarter, impacted by a bond portfolio repositioning that resulted in a realized loss of $53.4 million [8][9] - Net interest income for the period was $62.5 million, an increase of $12.7 million linked quarter, with a margin improvement to 4.45%, up 28 basis points from the previous quarter [9][10] - Non-interest expenses for the quarter were $49.1 million, adjusted to exclude M&A charges, reflecting an increase of 8.3% due to the NBC Oklahoma acquisition [9][10] Business Line Data and Key Metrics Changes - The merger with NBC Oklahoma added $665 million in loans and $808 million in deposits, enhancing the company's footprint in Oklahoma [3][4] - Non-interest income, excluding the impact of the portfolio repositioning, was $8.9 million, driven by improvements in customer service charge line items [9] - Loan production in the quarter was $243 million, up 23% linked quarter, with an average rate of 7.14% [19] Market Data and Key Metrics Changes - Total deposits increased approximately $860 million during the quarter, with organic deposit growth of approximately $37 million [21] - Non-interest-bearing accounts closed the quarter at 22.52% of total deposits, up from 21.56% at the end of Q2 [21] - The company anticipates closing the Frontier Holdings transaction in 2025, which will further expand its market presence [17] Company Strategy and Development Direction - The company aims to grow through strategic mergers, having successfully integrated NBC Oklahoma and planning to enter Nebraska through Frontier Holdings [4][5] - Management expressed confidence in executing growth strategies and achieving a projected earnings per share of $5 by 2026 [23] - The company is focused on enhancing its community banking model while expanding its footprint and asset generation capabilities [22] Management's Comments on Operating Environment and Future Outlook - Management remains positive about the credit environment, noting stable credit quality trends across the portfolio despite broader economic uncertainties [14] - The company is closely monitoring consumer behavior and potential inflation impacts, with no significant strain observed in its loan portfolio [36] - Management expects to leverage its capital for growth while maintaining a strong return for shareholders [23] Other Important Information - The company completed a system conversion in late August, with associated expenses primarily impacting the fourth quarter [10] - The ending reserve ratio closed the quarter at 1.36%, reflecting the addition of non-PCE credit marks from NBC Oklahoma [10] Q&A Session Summary Question: Could you discuss your deposit pricing strategy? - Management indicated a consistent approach to adjusting deposit rates in line with FOMC rate changes, with no significant competitive shifts observed [25][26] Question: How is business sentiment in your operating footprint? - Management reported strong business sentiment with no significant impacts from tariffs, remaining bullish on market conditions [28] Question: What is the outlook for loan growth? - Management expects loan production to continue improving, supported by new market entries and a strong pipeline [34] Question: Are there areas of strain in your portfolio? - Management is monitoring various sectors, including agriculture and consumer loans, but currently sees no significant issues [36] Question: What is the outlook for M&A activity? - Management remains optimistic about M&A opportunities, focusing on strategic fit and integration potential [63]

Equity Bancshares (NYSE:EQBK) Q3 2025 Earnings Call October 15, 2025 10:00 AM ET Company ParticipantsTerry McEvoy - Managing DirectorBrian Katzfey - VP and Director of Corporate Development and Investor RelationsChris Navratil - CFOBrett Elliott - Chairman and CEORick Sems - Bank CEOConference Call ParticipantsNathan Race - Managing Director and Senior Research AnalystJeff Riley - AnalystDamon DelMonte - Managing Director and Equity Research AnalystBrett Robinson - AnalystOperatorThank you for your patience ...

Financial Data and Key Metrics Changes - The company reported a strong quarter with solid organic growth in both loan and deposit portfolios, contributing to strong capital accumulation and robust capital ratios [3][4] - The core net interest margin for the quarter was 4.55%, with expectations of slight compression to 4.50% due to deposit cost pressures and potential further rate cuts [18][22] Business Line Data and Key Metrics Changes - Loan growth was highlighted as a key area of strength, with expectations of high single-digit year-over-year growth continuing into 2026 [9] - Loan fee income has increased, now representing about 40 basis points of the margin, driven by successful sales efforts and a robust deal market [20] Market Data and Key Metrics Changes - The company noted increased volatility in the macroeconomic environment, which has influenced credit trends and reserve levels [21][22] - The mortgage business remains slow, with expectations for improvement in 2026, although the pipeline has shown increased activity compared to six months ago [30][31] Company Strategy and Development Direction - The company is actively pursuing M&A opportunities, although challenges remain due to market conditions and seller expectations [12][33] - The strategic acquisition of a mortgage operation is seen as a positive move, enhancing the company's ability to serve high-net-worth clients [31][32] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the current market conditions and the company's positioning, despite acknowledging potential macroeconomic challenges [3][4] - There is a cautious approach to credit provisioning, with management indicating that future reserves may depend on macro conditions and portfolio growth [23][24] Other Important Information - The company emphasized the importance of maintaining strong capital levels and liquidity as part of its risk management strategy [21][22] - Management highlighted the benign nature of credit migrations during the quarter, indicating overall stability in the credit portfolio [38] Q&A Session Summary Question: Loan growth outlook for Q4 and 2026 - Management expects high single-digit year-over-year growth in loans, with a good current pipeline despite potential paydowns [9] Question: Loan pricing dynamics and competition - New loans are expected to be priced slightly below 7.4%, with more pressure on deposit pricing than on loans [11] Question: Net interest margin trajectory - Anticipated slight compression in net interest margin due to rate cuts, potentially down to 4.47% [18] Question: Loan fee income dynamics - Loan fee income has been strong due to a robust deal market, but may trend back toward normal levels [20] Question: Credit trends and reserve increases - Credit performance was strong, but reserves were increased due to macroeconomic volatility [21][22] Question: Outlook for fees and expenses - Core fee income and non-interest expenses are expected to remain stable, with oil and gas revenue being less predictable [28] Question: Mortgage business expectations - The mortgage business is slow, but there is hope for improvement in 2026, with increased pipeline activity noted [30][31] Question: Challenges in M&A activity - The company faces challenges due to market conditions and seller expectations, but remains active in seeking strategic opportunities [33]

Financial Data and Key Metrics Changes - The company reported a net loss of $29.7 million, or $1.57 per diluted share for the quarter, impacted by a bond portfolio repositioning that resulted in a realized loss of $53.4 million [8] - Net interest income for the period was $62.5 million, an increase of $12.7 million linked quarter, with a margin improvement of 28 basis points to 4.45% [9][15] - Non-interest expenses for the quarter were $49.1 million, adjusted to exclude M&A charges, reflecting an increase of 8.3% due to the NBC Oklahoma acquisition [9][10] Business Line Data and Key Metrics Changes - The merger with NBC Oklahoma added $665 million in loans and $808 million in deposits, enhancing the company's market presence in Oklahoma [3][4] - Loan production in the quarter was $243 million, up 23% linked quarter, with originations averaging a rate of 7.14% [19] - Total deposits increased approximately $860 million during the quarter, with organic deposit growth of approximately $37 million [20] Market Data and Key Metrics Changes - The company is expanding its footprint into Nebraska through a merger with Frontier Holdings, which is expected to add strong earning assets [4][5] - Non-interest-bearing accounts increased to 22.52% of total deposits, up from 21.56% at the end of Q2 [20] Company Strategy and Development Direction - The company aims to grow through strategic mergers, having successfully integrated NBC Oklahoma and planning to enter the Nebraska market [4][5] - Management expressed confidence in executing growth strategies and achieving a projected earnings per share of $5 in 2026 [22] Management's Comments on Operating Environment and Future Outlook - Management remains positive about the credit environment and expects stable credit quality trends despite broader economic uncertainties [13] - The company anticipates margin in a range of 4.4% to 4.5% for the fourth quarter, with expectations for continued growth in the balance sheet and non-interest revenue lines [16][22] Other Important Information - The company completed a subordinated debt raise of $75 million to support ongoing growth initiatives [4] - The ending reserve ratio closed the quarter at 1.36%, reflecting the addition of non-PCE credit marks from NBC Oklahoma [10] Q&A Session Summary Question: Could you discuss your deposit pricing strategy? - The company has consistently adjusted deposit rates in line with FOMC rate cuts, with no significant shifts observed in the market [24][25] Question: What is the sentiment in your operating footprint regarding loan growth? - Management reported strong business sentiment and does not see significant impacts from tariffs, remaining bullish on market conditions [25] Question: Was the increase in deposit costs linked to NBC Oklahoma? - The increase in deposit costs was entirely attributable to liabilities from the NBC Oklahoma transaction [27][28] Question: What are the expectations for loan payoffs? - Payoff activity is expected to normalize, with historical averages anticipated to return, contributing to loan growth [30][31] Question: How is the company monitoring potential strains in the credit portfolio? - Management is closely watching all areas, particularly consumer and agricultural sectors, but currently sees no significant strain [33][34] Question: What is the outlook for M&A activity? - The company continues to explore M&A opportunities, focusing on strategic fit and integration potential [55]

Brown-Forman (NYSE:BF.A) 2025 Investor Day October 15, 2025 10:00 AM ET Speaker0All right. I need a little bit better than that. Come on. How many of you were on Broadway last night? Come on.I told you all to get a good night's sleep. So good morning, everyone. Good morning. It is so nice to see each and every one of you today. Thank you so much for joining us.I am Sue Parham, Vice President and Director of Investor Relations. And it is my great pleasure to welcome you to our twenty twenty five Investor Day ...

Financial Data and Key Metrics Changes - The company reported strong organic growth in both loan and deposit portfolios, contributing to solid quarterly results [4][5] - The core net interest margin (NIM) ended the quarter at 4.55%, with expectations of slight compression due to potential rate cuts [24][25] Business Line Data and Key Metrics Changes - Loan fee income has increased and now represents about 40 basis points of the margin, driven by successful sales efforts and a robust deal market [25][26] - The mortgage business is currently slow, but there is an expectation for improvement in 2026, with a significant increase in the pipeline compared to six months ago [39][41] Market Data and Key Metrics Changes - The company is experiencing pressure on the deposit side compared to the loan side, indicating competitive dynamics in the market [14][15] - There is ongoing deal activity in the market, but challenges remain due to macroeconomic factors affecting M&A transactions [44][46] Company Strategy and Development Direction - The company is focused on maintaining strong capital levels while navigating macroeconomic volatility, which influences credit provisioning decisions [27][29] - The strategic acquisition in the mortgage sector is seen as a niche service that could grow into a more significant income provider over time [41][43] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the current market conditions and the company's positioning, despite acknowledging potential economic challenges [5][6] - There is a cautious outlook on loan growth due to the possibility of lumpy paydowns and macroeconomic uncertainties [12][13] Other Important Information - The company is actively exploring M&A opportunities, although current market conditions present challenges for potential transactions [46][47] - Credit performance remains strong, with no significant migrations in classified loans during the quarter [51] Q&A Session Summary Question: Loan growth outlook for Q4 and 2026 - Management expects high single-digit year-over-year growth, with a good pipeline but acknowledges potential lumpy paydowns [13] Question: Loan pricing dynamics and competition - New loans are slightly below the previous average of 7.4%, with more pressure on deposit pricing than on loans [14][15] Question: M&A activity update - The company is actively looking at various transactions and remains open to strategic combinations [16][17] Question: Net interest margin trajectory - NIM is expected to experience slight compression due to rate cuts, potentially dropping to around 4.47% [24][25] Question: Loan fee income dynamics - The increase in loan fee income is attributed to strong sales performance and a robust deal market, though it may trend back to normal levels [25][26] Question: Credit trends and reserve increases - The decision to increase reserves was based on portfolio growth and macroeconomic volatility, with a focus on maintaining credit integrity [27][29] Question: Expectations around fees and expenses - Core fee income and noninterest expenses are expected to remain stable, with oil and gas revenues being less predictable [35] Question: Mortgage business outlook - The mortgage business is currently slow, but there is hope for improvement in 2026, with a significant increase in the transaction pipeline [39][41] Question: Challenges in M&A today - The overhang of AOCI and long maturity loans are keeping some sellers hesitant, impacting M&A activity [44][46]

Bionano Genomics (NasdaqCM:BNGO) Conference October 15, 2025 10:00 AM ET Speaker0You for joining the HC Wainwright at home event. My name is Yi Chen, and I'm an equity research analyst at HC Wainwright. Today, we have the privilege, to have a virtual fireside chat with doctor Eric Humbley, president and CEO Welcome. Thanks, Yi.Eric, I know that BioNano is a provider of optical genome mapping or OGM solutions. Could you tell the audience what OGM technology is, and how is it differentiated from the tradition ...

Financial Performance Highlights - Net income reached $1.8 billion, translating to $4.35 diluted earnings per share[7] - Total revenue increased by 4%[8] - Fee income (non-GAAP) saw a 9% increase[8] - Pretax, pre-provision earnings (PPNR) (non-GAAP) grew by 8%[8] - Return on average tangible common equity (ROTCE) (non-GAAP) stood at 16.8%[8] Balance Sheet and Capital - The Basel III CET1 Capital Ratio was 10.6%[8] - Total loans averaged $325.9 billion, a 1% increase compared to the linked quarter and a 2% increase year-over-year[15] - Total deposits averaged $431.8 billion, showing a 2% increase both compared to the linked quarter and year-over-year[15] Revenue and Expenses - Total revenue reached $5.915 billion, a 4% increase compared to the linked quarter and a 9% increase year-over-year[25] - Net interest income was $3.648 billion, up 3% from the linked quarter and 7% year-over-year[25] - Noninterest expense was $3.461 billion, a 2% increase compared to the linked quarter and a 4% increase year-over-year[25]