业绩总结 - 公司预计到2023年9月30日将实现1.35亿美元的年化成本协同效益[8][9] - 公司预计2023年全年平均收益资产为450亿至460亿美元[23] - 调整后的净利差率为3.20%至3.40%[23] - 非利息支出不包括CDI摊销和并购相关成本为约10亿美元[23] - 净有形共同股权回报率为16.63%[26] - 净利息收入为484亿美元[33] - 非利息支出为328.6亿美元[34] - 非利息收入为39,678万美元[39] - 调整后的运营每股收益为0.67美元[39] - 股东权益回报率为10.84%[40] 财务数据 - 可供出售证券组合在2023年6月30日的账面收益率为3.58%[20] - 公司的每股账面价值为23.16美元[31] - 净利息净利润为484.0万美元[44] - 固定利率贷款占贷款组合的43%[47] - 在2023年第二季度，有效联邦基金利率为4.99%[49] - CET1比率为12.0%[76] 贷款和存款 - 贷款和租赁总额为37049.3亿美元[29] - 存款为40834.9亿美元[30] - 2023年第二季度，商业和工业贷款组合占比为16.7%[61] - 2023年第二季度，信用损失准备金总额为424,430千美元[68] - 2023年第二季度贷款和租赁平均贷款规模为519,000美元[60] 预测展望 - Moody's 2023年5月基准经济预测包括：2023年美国实际GDP年均增长率为1.6%[69] - 预计2023年联邦基金利率平均为4.9%[71] - 预计购买会计的季度净影响将对收益产生高度增值[79] - 预计迅速接近并超过长期总风险资本目标12%[80]

Columbia Banking System, Inc. (NASDAQ:COLB) Q2 2023 Earnings Conference Call July 19, 2023 5:30 PM ET Company Participants Jacque Bohlen - Investor Relations Clint Stein - President and Chief Executive Officer Chris Merrywell - President, Umpqua Bank Tory Nixon - President, Umpqua Bank Ron Farnsworth - Chief Financial Officer Frank Namdar - Chief Credit Officer Conference Call Participants Jeff Rulis - D.A. Davidson Matthew Clark - Piper Sandler Chris McGratty - KBW Janet Lee - JPMorgan Jared Shaw - Wells F ...

United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the quarterly period ended: March 31, 2023 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the transition period from to . Commission File Number: 000-20288 COLUMBIA BANKING SYSTEM, INC. (Exact Name of Registrant as Specified in Its Charter) Washington 91-1422237 (State or Other Jurisd ...

财务数据和关键指标变化 - 公司在第一季度完成了与Umpqua Holdings的合并,资产规模达到540亿美元,成为西部地区最大的银行之一 [11] - 合并后公司的资本充足率和收益能力都有显著提升,预计GAAP收益和有形股东权益收益率将大幅增加 [20][21] - 合并过程中产生了17.6亿美元的折价,其中大部分(13亿美元)来自利率变动,将在未来逐步计入利息收入,为公司带来稳定的额外收益 [22][23] 各条业务线数据和关键指标变化 - 贷款组合保持多元化,平均贷款规模较小,抵押品质量较高,如办公楼贷款的平均贷款与价值比仅57% [44][47][48] - 公司的金融科技租赁业务(FinPac)在运输行业出现了一些问题,导致拨备和不良贷款有所上升,但公司认为这是该业务的特点,对整体贷款组合影响有限 [51][52] 各个市场数据和关键指标变化 - 公司在犹他州新增了存款和其他业务能力,将进一步拓展该市场并在其他州份复制这一模式 [58][59] - 公司的存款组合保持高质量,41%为无息存款,个人和商业存款占比均衡,平均账户规模较小,有利于存款稳定性 [56][57] - 尽管受到通胀和市场流动性收紧的影响,公司在第一季度仍实现了新增账户的存款增长 [58] 公司战略和发展方向及行业竞争 - 公司将继续投资于新市场的发展,利用合并后的更大规模和产品服务能力,为客户提供更全面的金融解决方案 [59][60][61] - 公司已经完成核心系统的整合,未来将继续优化组织架构,提高运营效率,实现更多的协同效应 [132][133] - 公司在行业动荡期间保持了良好的客户关系和业务拓展,体现了公司多元化的业务模式和稳健的存款基础的优势 [14] 管理层对经营环境和未来前景的评论 - 管理层对公司的发展前景表示乐观,认为合并后的公司将更好地满足客户需求,并为股东带来可观的收益 [16] - 公司将继续专注于社区发展,并通过5年80亿美元的社区发展计划支持当地社区 [15] - 管理层认为公司有能力在当前的市场环境下保持良好的存款基础和贷款组合质量 [85][134] 问答环节重要的提问和回答 问题1 **Jeff Rulis 提问** 询问公司未来是否考虑股票回购等资本部署方式 [75] **Clint Stein 回答** 公司今年暂无股票回购计划,将优先确保资本充足,为未来的业务发展提供灵活性 [75] 问题2 **Jared Shaw 提问** 询问公司是否看到一些银行业动荡带来的业务机会 [109][110] **Clint Stein 和Tory Nixon 回答** 公司将保持谨慎,不会大幅调整业务重点,但会根据自身的专长和客户需求,适当抓住一些机会 [109][110] 问题3 **Brody Preston 提问** 询问公司对FinPac业务的看法和未来发展预期 [178][179][182][183] **Tory Nixon 和Frank Namdar 回答** FinPac业务属于公司的特色业务,风险相对较高但收益也较高,公司对其未来发展持谨慎乐观态度,预计未来几年内将保持相对平稳的增长 [178][179][182][183]

Commission File Number 000-20288 COLUMBIA BANKING SYSTEM, INC. (Exact name of registrant as specified in its charter) Washington 91-1422237 (State or other jurisdiction of incorporation or organization)(I.R.S. Employer Identification Number) 1301 A Street Tacoma, Washington 98402-2156 (Address of principal executive offices and zip code) (253) 305-1900 (Registrant's telephone number, including area code) Securities Registered Pursuant to Section 12(b) of the Act: Common Stock, No Par Value COLB The Nasdaq S ...

Columbia Banking System, Inc. (NASDAQ:COLB) Q4 2022 Earnings Conference Call January 24, 2023 2:00 PM ET Company Participants Clint Stein - President & Chief Executive Officer Aaron Deer - Chief Financial Officer Chris Merrywell - Chief Operating Officer Conference Call Participants David Feaster - Raymond James Jeff Rulis - D.A. Davidson Jon Arfstrom - RBC Capital Markets Chris McGratty - KBW Andrew Terrell - Stephens Matthew Clark - Piper Sandler Operator Ladies and gentlemen, thank you for standing by. W ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ________________________________________________________ FORM 10-Q ________________________________________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022. ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-20288 ______ ...

Columbia Banking System, Inc. (NASDAQ:COLB) Q3 2022 Earnings Conference Call October 20, 2022 2:00 PM ET Company Participants Clint Stein - President & Chief Executive Officer Aaron Deer - Chief Financial Officer Chris Merrywell - Chief Operating Officer Andy McDonald - Chief Credit Officer Conference Call Participants Jeffrey Rulis - D.A. Davidson & Co. David Feaster - Raymond James Matthew Clark - Piper Sandler Christopher McGratty - Keefe, Bruyette, & Woods, Inc. Operator Ladies and gentlemen, thank yo ...

Umpqua Holdings Corporation 3rd Quarter 2022 Earnings Presentation October 19, 2022 Disclaimer FORWARD-LOOKING STATEMENTS This communication contains certain forward-looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements about the benefits of the proposed transaction between Umpqua Holdings Corporation ("Umpqua") and Columbia Banking System, Inc. ("Columbia"), the plans, objectives, expectations and intentions of Umpqua and Columbia, the expected t ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ________________________________________________________ FORM 10-Q ________________________________________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022. ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to | --- | --- | --- | |----------------------- ...