Matthew Switzer - Chief Financial Officer Dennis Zember - President and CEO Operator Good morning and thank you for joining us. Before we begin, please note that many of our comments during this call will be forward-looking statements, which involve risk and uncertainty. There are many factors that could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements. I will now turn the call over to our President and Chief Executive O ...

Equity to assets 9.52% 11.04% 11.67% 12.32% 12.55% 9.52% 12.55% Effect of goodwill and other intangible assets (2.37%) (2.77%) (2.94%) (3.04%) (2.98%) (2.37%) (2.98%) Tangible common equity to tangible assets 7.14% 8.27% 8.73% 9.27% 9.57% 7.14% 9.57% NASDAQ: FRST This Presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" within the meaning of, and subject to the protections of, Section 27A of the Securities A ...

主要业务 - Primis主要提供商业银行服务，主要集中在通过商业地产和其他类型的担保和非担保商业贷款，以及向小型和中型企业提供SBA贷款[21] - Primis提供商业地产贷款，包括永久融资和建筑贷款，以及SBA贷款和医疗、牙科和兽医业务的融资[24] - Primis提供各种类型的个人贷款，包括住房抵押贷款、家庭权益信用额度、抵押贷款和无抵押个人贷款[25] 资金来源 - Primis的主要资金来源是存款、贷款偿还、抵押支持证券的预付款、到期投资证券的偿还、FHLB的预付款和其他借款[32] 竞争对手 - Primis的竞争主要来自其他商业银行、储蓄银行、抵押银行、保险公司和金融科技公司[35] 人才发展与福利 - Primis致力于吸引、培养、留住关键人才和高管，以实现战略目标[36] - Primis提供全面竞争性的福利计划，包括医疗保险、补充保险、401k、短期和长期残疾保险和寿险[37] - Primis鼓励员工参与志愿活动，每年每位员工可获得八小时的有薪志愿服务时间[39] 法规合规 - 银行控股公司和其子公司在与信贷、租赁或销售财产以及提供服务相关的某些捆绑安排方面被禁止[55] - 银行控股公司法要求每家银行控股公司在收购任何银行的所有资产之前获得联邦储备委员会的事先批准[48] - 银行控股公司法没有对银行控股公司的非银行活动设定地理限制[45] - 银行必须维持至少以下资本比率：6.5% CET1对风险加权资产；8.0% Tier 1资本对风险加权资产；10.0% 总资本对风险加权资产；5.0% 杠杆比率[58] - 银行监管机构要求银行保持资本保护缓冲区，CET1为每个最低资本比率要求（CET1、Tier 1和总风险加权资本）的2.5%以上[58] - 银行监管机构要求银行保持至少6.0%的Tier 1风险加权资本比率和10.0%的总风险加权资本比率才能被视为良好资本化[59] - 银行需遵守CRA规定，满足低收入社区的信贷需求[69] - 银行在CRA评估中获得“满意”评级[71] - 银行需遵守消费者保护法规，包括限制利息和其他收费、披露信贷条款、禁止歧视等[71] - 银行需根据CFPB规定在发放住房抵押贷款前进行能力评估[72] - 银行需遵守与关联方交易相关的限制[72] - 银行需遵守隐私和网络安全法规，限制向第三方披露消费者信息[72] - 银行需实施信息安全计划以确保客户记录和信息的安全[73] - 银行需制定应对网络攻击的程序并在攻击后恢复运营[74] - 银行需遵守不歧视政策，禁止基于种族、宗教等因素的歧视[75] - 银行需根据LIBOR法案规定替换LIBOR基准利率[76]

Life Insurance Premium Finance Update $791.8 Million Projected Balance at Maturity 29 Placement Ratio Facilitators 47 Fourth Quarter Highlights • Loans held for investment grew at a rate of 26.0% for 2022 or 30.1%, net of a decline in Paycheck Protection Program ("PPP") loan balances. Loans held for investment grew at an annualized rate of 31.5% in the fourth quarter compared to the linked-quarter, net of a decline in PPP balances. • Allowance for credit losses to total loans was 1.17% at December 31, 2022, ...

Casey Whitman Matthew Switzer sometimes slight loss depending on seasonality. But taking overall, we're expecting mortgage to contribute $4 million to $5 million after tax in 2023. It'll be lower than in the fourth quarter. Dennis Zember That does. There's going to be a piece of the expenses that will be tied to production. Okay. There was a lot of noise around a third-party service portfolio this quarter. I guess, can you just dumb down what's going on there? Should we be assuming the 350 margin is sort of ...

Primis Financial Corp. (NASDAQ:FRST) Q3 2022 Results Conference Call October 28, 2022 10:00 AM ET Company Participants Matthew Switzer - Chief Financial Officer Dennis Zember - President and CEO Conference Call Participants Freddie Strickland - Janney Montgomery Scott Operator Good day and welcome to today's Primis Financial Corporation Third Quarter Earnings Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session. [O ...

PRIMIS Third Quarter 2022 NASDAQ: FRST Forward-Looking Statements This presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements other than statements of historical fact are forward-looking statements. Such statements ca ...

Primis Financial Corp. (NASDAQ:FRST) Q2 2022 Earnings Conference Call July 29, 2022 10:00 AM ET Company Participants Matt Switzer - CFO Dennis Zember - President and CEO Conference Call Participants Andrew Terrell - Stephens Christopher Marinac - Janney Montgomery Scott Operator Good day, and welcome to the Primis Financial Corp. 2022 Second Quarter Earnings Call. All participants will be in listen-only mode. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the con ...

Primis Financial Corp. (NASDAQ:FRST) Q1 2022 Earnings Conference Call April 29, 2022 10:00 AM ET Company Participants Matt Switzer - CFO Dennis Zember - President and CEO Conference Call Participants Casey Whitman - Piper Sandler Feddie Strickland - Janney Montgomery Scott Broderick Preston - Stephens Inc. Operator Good day, and welcome to the Primis Financial Corporation First Quarter Earnings Conference Call. [Operator Instructions] Please note this event is being recorded. I would now like to turn the co ...

NASDAQ: FRST Fourth Quarter 2021 e "forward-looking statements" within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements other than statements of historical fact are forward-looking statements. Such statements can generally be identified by such words as "may," "plan," "contemplate," "anticipate," "believe," "intend," "continue," "expect," "project," "predict," "estimate ...