Investor Presentaiton
Financial Summary
(Unaudited)
($ in thousands)
Net interest income
Q3 2023
Q2 2023
Variance
$
534,020 $
531,668 $ 2,352
Provision for credit losses
45,117
37,192
7,925
Net interest income after provision for credit losses
Service charges on deposits
488,903 $
494,476 $
(5,573)
37,318
37,781
(463)
Other service fees
Mortgage banking activities
Other non-interest income
Total non-interest income
93,407
94,265
(858)
5,393
2,316
3,077
23,431
26,109
(2,678)
es
$
159,549 $
160,471 $
(922)
Personnel costs
Net occupancy expenses
Equipment expenses
Professional fees
193,152
191,468
1,684
28,100
27,165
935
8,905
9,561
(656)
38,514
50,132
(11,618)
Technology and software expenses
72,930
72,354
576
Processing and transactional services
37,899
36,801
1,098
Business promotion
23,075
25,083
(2,008)
Other real estate owned (OREO) income
(5,189)
(3,314)
(1,875)
Other operating expenses
45,598
51,034
(5,436)
Goodwill impairment charge
23,000
23,000
Total operating expenses
465,984 $
460,284 $
5,700
Income before income tax
Income tax expense
Net income
182,468
194,663
(12,195)
45,859
43,503
2,356
es
$
136,609 $
151,160 $ (14,551)
EPS
es
$
1.90 $
ROTE
9.36%
2.10
10.63%
(0.20)
(1.27%)
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