Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _________________________________________ FORM 10-Q _________________________________________ x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR o 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 001-38595 _________ ...

Scott Wylie Scott Wylie Scott Wylie I think, $300 million and $400 million would be an ambitious goal. We talk in terms of revenues here when we think about new locations. And so, we opened that as a LPO, and we told them that when they get to $1 million in revenues that we could give them a full-service office. We opened as a full-service office. I think actually, we moved into that office this week, earlier this week, and our grand opening is going to be, I believe, November 9th or something like that. An ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _________________________________________ FORM 10-Q _________________________________________ x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR o 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 001-38595 ______________ ...

• ACL/Adjusted Total Loans(1) increased to 0.89% in 2Q23 from 0.81% in 1Q23 Approved Fonts Slide Headlines / Text on light background | --- | --- | --- | --- | --- | |-------|-------|-------|-------|-------| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | |-------|-------|-------------------|-------------|-------|-------|-------| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | ...

Good morning. First question's just -- or a couple of questions around the margin, just trying to drill into the drivers and more specifically the numbers. But can you give us the average margin in the month of June and what the spot rate was at the end of June on deposits, either interest-bearing or total? I think there's a broader point here, I would just make quickly if I could, Matt, which is, we've really tried hard not to impact the valuation capability of the businesses here, we've postponed some thi ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _________________________________________ FORM 10-Q _________________________________________ x 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 o 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 001-38595 _____________ ...

财务数据和关键指标变化 - 公司在第一季度实现净收入为380万美元，每股摊薄收益为0.39美元，尽管面临行业重大挑战 [12][18] - 净利息收入同比增长5.8%，但环比下降10% [18][19] - 资产收益率同比增长74.6%，但净利息利润率在3月下降至2.93% [18][19] 各条业务线数据和关键指标变化 - 信贷组合保持稳定，总贷款量与前一季度持平，但若不考虑出售的4100万美元非关系贷款，贷款量年化增长率约为6% [12][13] - 信托和投资管理业务在第一季度新增管理资产2.75亿美元，所有五个产品类别均有增长 [16] 各个市场数据和关键指标变化 - 公司在一季度经历了客户流动性事件，导致1月份存款减少7100万美元，但2月、3月和4月均出现净存款流入 [8][15] - 公司在亚利桑那州、怀俄明州和蒙大拿州的市场表现乐观，尤其是在亚利桑那州的抵押贷款团队表现出色 [60][62] 公司战略和发展方向和行业竞争 - 公司将继续优先考虑审慎的风险管理，尽管这可能会在短期内影响盈利能力 [25][29] - 公司计划在未来继续控制费用，以实现更好的运营杠杆，并在经济环境改善时抓住机会 [25][29] - 竞争环境严峻，尤其是在存款和商业房地产贷款方面，许多银行和非银行机构都在加大竞争力度 [66] 管理层对经营环境和未来前景的评论 - 管理层对未来的贷款增长持谨慎态度，认为经济不确定性使得贷款需求降低 [25][28] - 尽管面临挑战，管理层相信公司在资本和流动性方面的强劲表现将使其在市场中受益 [29] 其他重要信息 - 公司在第一季度采取了一些资产负债表管理措施，包括增加现金持有量和出售低收益的非关系贷款，以改善流动性和资本状况 [9][10][11] - 公司在第一季度的信贷损失准备金为81个基点，较CECL实施初期下降3个基点 [22] 问答环节所有提问和回答 问题: 关于净利息利润率的变化 - 管理层表示，预计第二季度净利息利润率将继续受到压力，尽管第一季度的净利息收入在美元上同比增长 [33][34] 问题: 关于非关系贷款的出售 - 管理层指出，出售的4100万美元非关系贷款并不符合公司的核心业务模式，未来不太可能有类似的出售 [38][54] 问题: 关于存款增长的前景 - 管理层希望在年底前将贷款与存款比率降至100%以下，并预计存款增长将快于贷款增长 [43] 问题: 关于Cecil模型的假设 - 管理层表示，Cecil模型的假设经过深度分析，未来的准备金将根据经济变化和贷款组合的变化进行调整 [47][50] 问题: 关于市场竞争 - 管理层提到，当前市场竞争激烈，尤其是在存款和商业房地产贷款方面，客户对信托账户的需求增加 [66]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ____________________________________________ FORM 10-K ____________________________________________ x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 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 001-38595 ___________________ ...

Scott Wylie Bill Dezellem If you look at our last 3 or 4 or also a team for that matter, acquisitions here, they've had very happy stories because we're disciplined about how we look at it, how we price them and we don't stretch on these things and do things that can come back and bite the shareholders. So are we going to do something this year? I don't know. We don't have anything that we'll be announcing tomorrow, but we continue to do our corporate development efforts. And if the right thing at the right ...

Safe Harbor 2 4Q22 Earnings | --- | |-------| | | | | | | | ▪ | | | | ▪ | | ▪ | Increasing contributions from newer markets in Arizona, Wyoming and Montana | --- | |-------| | | | | | | | ▪ | | ▪ | Increase in Liquidity and Capital (1) See Non-GAAP reconciliation Net Income Available to Common Shareholders and Earnings per Share ▪ Net income of $5.5 million, or $0.56 diluted earnings per share, in 4Q22 ▪ Strong profitability resulted in 2.5% and 3.0% increase in book value per share and tangible book value ...