财务数据和关键指标变化 - 利息收入232百万美元,较上季度增加6.8百万美元或3%,较上年同期增加41.4百万美元或22% [14] - 贷款组合155亿美元,较本季度增加2.72亿美元或7%的年化增长 [14] - 贷款收益率5.02%,较上季度增加19个基点,较上年同期增加43个基点 [14] - 新发放贷款收益率6.96%,较上季度增加62个基点 [15] 各条业务线数据和关键指标变化 - 无具体披露 各个市场数据和关键指标变化 - 公司在8个西部州的222个分支机构提供了进一步的隔离,抵御了外部市场的动荡 [8] - 公司所在的市场是美国经济最强劲的地区之一 [12] 公司战略和发展方向及行业竞争 - 公司有丰富的并购经验,在当前环境下有机会获得优势 [12][51] - 公司将主要依靠投资组合的季度现金流来为2023年的增长提供资金 [18] 管理层对经营环境和未来前景的评论 - 公司在过去几周内出色地应对了快速变化的环境,认为其独特的业务模式很好地度过了这场风暴 [7] - 公司对目前的地位感到乐观,认为有足够的流动性和资产负债表,以及优质的贷款组合、经过验证的银行模式和并购专长 [12] - 公司预计存款将在第二和第三季度表现更为一致,第四季度将有一些流出,获取和保留存款的竞争和成本将继续上升 [18] 问答环节重要的提问和回答 问题1 **David Feaster提问** 存款流动的驱动因素,是否主要集中在前100大客户,以及季节性因素和客户偿还高成本债务或资本支出的影响 [24] **Byron Pollan回答** 1月份超过90%的600百万美元流出是由利率驱动的,2月份存款和回购余额稳定,3月份实际增长,公司在3月份的存款环境下做出了出色的工作 [26][27][28] 问题2 **Kelly Motta提问** 贷款组合的情况如何,哪些领域获得了较好的风险调整收益 [43] **Tom Dolan回答** 工业仓储、多户家庭和农业贷款组合表现良好,公司预计全年贷款增长将处于中个位数的低端 [45][46] 问题3 **Jeff Rulis提问** 公司对非核心融资来源的计划是什么,会逐步减少这些来源吗 [59] **Byron Pollan回答** 公司将适度减少批发融资余额,但具体数字还未确定,BTFP计划使得批发融资成本在今年剩余时间内保持相对稳定 [60]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________________________________________________________________________________________________________ FORM 10-K ________________________________________________________________________________________________________________________ ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF TH ...

Glacier Bancorp, Inc. (NYSE:GBCI) Q4 2022 Earnings Conference Call January 27, 2023 11:00 AM ET Company Participants Randy Chesler - President & CEO Ron Copher - CFO Tom Dolan - Chief Credit Administrator Byron Pollan - Treasurer Conference Call Participants Jeff Rulis - D.A. Davidson Kelly Motta - KBW Operator Good day, and thank you for standing by. Welcome to the Glacier Bancorp Fourth Quarter Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presenta ...

Glacier Bancorp, Inc. (NYSE:GBCI) Q3 2022 Earnings Conference Call October 21, 2022 11:00 AM ET Company Participants Randall Chesler - President & CEO Ron Copher - CFO Tom Dolan - Chief Credit Administrator Byron Pollan - Treasurer Conference Call Participants Jeff Rulis - D.A. Davidson Brandon King - Truist Securities Matthew Clark - Piper Sandler Kelly Motta - KBW Tim Coffey - Janney David Feaster - Raymond James Operator Good day, and thank you for standing by. Welcome to the Glacier Bancorp Third Quarte ...

Glacier Bancorp, Inc. (NYSE:GBCI) Q2 2022 Earnings Conference Call July 22, 2022 11:00 AM ET Company Participants Randall Chesler - President and Chief Executive Officer Ron Copher - Chief Financial Officer Tom Dolan - Chief Credit Administrator Byron Pollan - Treasurer Conference Call Participants Matthew Clark - Piper Sandler David Feaster - Raymond James Brandon King - Truist Securities Andrew Terrell - Stephens Jeff Rulis - D.A. Davidson Operator Good day. And thank you for standing by. Welcome to the ...

Glacier Bancorp, Inc. (NYSE:GBCI) Q1 2022 Earnings Conference Call April 22, 2022 11:00 AM ET Corporate Participants Randall Chesler - President and Chief Executive Officer Ron Copher - Chief Financial Officer Tom Dolan - Chief Credit Administrator Byron Pollan - Treasurer Conference Call Participants Matthew Clark - Piper Sandler David Feaster - Raymond James Jeff Rulis - D.A. Davidson Brandon King - Truist Securities Kelly Motta - KBW Andrew Terrell - Stephens Tim Coffey - Janney Operator Thank you for st ...

Glacier Bancorp, Inc. (NYSE:GBCI) Q4 2021 Earnings Conference Call January 28, 2022 11:00 AM ET Company Participants Randall Chesler - President and Chief Executive Officer Ron Copher - Chief Financial Officer Tom Dolan - Chief Credit Administrator Byron Pollan - Treasurer Angela Dose - Chief Accounting Officer Conference Call Participants David Feaster - Raymond James Jeff Rulis - D.A. Davidson Brandon King - Truist Securities Kelly Motta - KBW Matthew Clark - Piper Sandler Operator Thank you for standing ...

Glacier Bancorp, Inc. (NYSE:GBCI) Q3 2021 Earnings Conference Call October 22, 2021 11:00 AM ET Company Participants Randy Chesler - Chief Executive Officer Ron Copher - Chief Financial Officer Don Chery - Chief Administrative Officer Angela Dose - Chief Accounting Officer Byron Pollan - Treasurer Tom Dolan - Chief Credit Administrator Conference Call Participants Jeff Rulis - D.A. Davidson David Feaster - Raymond James Brandon King - Truist Securities Tim Coffey - Janney Operator Thank you for standing by, ...

INVESTOR PRESENTATION September 2021 Forward-Looking Statements 1 This presentation may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, but are not limited to, statements about management's plans, objectives, expectations and intentions that are not historical facts, and other statements identified by words such as "expects," "anticipates," "intends," "plans," "believes," "should," "projects," "seeks," " ...

Glacier Bancorp, Inc. (NYSE:GBCI) Q2 2021 Results Conference Call July 23, 2021 11:00 AM ET Company Participants Randy Chesler - President and CEO Ron Copher - Chief Financial Officer Angela Dose - Chief Accounting Officer Byron Pollan - Treasurer Tom Dolan - Chief Credit Administrator Don Chery - Chief Administrative Officer Conference Call Participants Jeff Rulis - D.A. Davidson Matthew Clark - Piper Sandler Jackie Bohlen - KBW Tim Coffey - Janney Brandon King - Truist Operator Good morning, ladies and ge ...