2nd Quarter 2021 Investor Presentation
28% vs Q
VS Q121
Core EPS up 17%
Loan production in 1H21
originations; loan yields held steady $1.8B
and deposit costs decline further
on pace to
significantly exceed 2020 volume
NPL ratio declines
Q221 Key Highlights
EPS of $0.69 up
1
Positive performance in a challenging
environment; focused on fundamental
blocking and tackling
Loan paydowns continue to outpace
2
Recapture of credit losses driven by
3
improved credit
credit quality
quality
metrics,
improved macroeconomic factors
TBVPS (¹) up $1.03 or
4
5
Resumption of active M&A program
with pending acquisitions of Landmark
and Triumph
F
Strong organic capital generation and
significant capital buffer even after
announced M&A transactions
24
6%
bps vs Mar-21
vs Mar-21
Disciplined pricing
~7.5% EPS
accretive in first full-year(2)
Adjusted PTPP earnings (1)
+2% vs Q121
Total deposits up
$1.3B
VS
Dec-20
ACL/Loan Ratio at 2.00%
+7 bps vs Mar-21
Amended and extended
share buyback program
~$150M
(1) Non-GAAP measures that management believes aids in the discussion of results. See Appendix for Non-GAAP reconciliation.
M remain
remaining capacity
Enhances scale in key
growth markets
Tennessee 13th
Memphis
9th
35th 6th
Nashville 20th 15th
(2) Represents the estimated combined impact to EPS for the pending acquisitions of Landmark Community Bank and Triumph Bancshares, Inc. in the first full-
year of operations.
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