财务数据和关键指标变化 - 第二季度净利息收入为5.7百万美元,较第一季度的4.6百万美元增长23.9% [118] - 总资产从12亿美元增加到14亿美元 [43] - 总借款保持在6.97百万美元的水平 [45] - 前六个月净利润为0.72美元/股 [47] 各条业务线数据和关键指标变化 - 银行存款占总存款的90%,这是一个令人羡慕的地位 [48] - 银行净利差从2.7%增长到3.61%,增长了90-100个基点 [49] - 银行的ROTCE和ROA效率比率分别为58.7% [50] 各个市场数据和关键指标变化 - 公司在第二季度共批准了773笔贷款,同比增长29.5% [59] - 7(a)贷款的溢价从10.15%下降,这是由于利率上升的影响 [123] 公司战略和发展方向及行业竞争 - 公司将自己定位为一家科技驱动的金融解决方案提供商,而不仅仅是一家存款银行 [21][31] - 公司拥有多元化的收入来源,包括银行业务、非银行贷款业务、支付业务、保险业务等 [16][17][18][19] - 公司的业务模式和技术优势使其能够以较低的成本和更高的效率提供服务,与传统银行有所不同 [27][28][29][30] 管理层对经营环境和未来前景的评论 - 管理层认为公司在第二季度和前六个月取得了良好的业绩,但在过渡期间仍面临一些挑战和阻力 [8][24][142][143] - 管理层对公司未来的盈利能力和增长前景持乐观态度,预计随着过渡期的结束,公司的效率和盈利能力将进一步提升 [40][44][45][53][54] 问答环节重要的提问和回答 问题1 **Crispin Love 提问** 询问公司的信贷质量情况,以及不良贷款和核销情况 [130][131][132] **Scott Price 和 Nicholas Leger 回答** 公司采用折现方法计提贷款损失准备,这使得准备金水平较低。不良贷款率在6.9%(公允价值)和12.8%(成本)之间,本季度核销5.3百万美元 [133][134][135][136][137][139] 问题2 **Michael Perito 提问** 询问公司对第四季度盈利预测的信心,以及是否需要在第四季度进行资本补充 [140][141][163][164][165] **Barry Sloane 回答** 公司历来第四季度业绩最好,但今年过渡期内仍面临一些挑战。公司目前无需在银行层面进行资本补充,如果需要在控股公司层面补充资本,更可能采取债务融资方式 [142][143][163][164][165] 问题3 **Bryce Roe 提问** 询问公司是否计划从银行向控股公司派发股息,以及这笔资金的用途 [195][196][197][198] **Barry Sloane 回答** 公司计划从银行向控股公司派发约50%的利润作为股息,这将有助于控股公司管理资本,主要用于非银行业务发展,也可能用于偿还债务 [196][197][198]

$ Amount Up to 40% second mortgage provided by CDC ($250,000 to $4.0 million) 31 | --- | --- | |----------------------------------------|----------| | Key Variables in Loan Sale Transaction | | | Senior Loan Balance | | | Junior Bridge Loan Balance(1) | $400,000 | | Premium | 3.00% | | Rate | | | Term | | $630,000 ($7,963) Benefits of Non-Conforming Conventional Loan Program Joint Ventures provide NewtekOne with greater operating leverage by using Newtek's existing pipeline, systems and subsidiary staff to ...

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 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: 814-01035 NEWTEKONE, INC. (Exact name of registrant as specified in its charter) Maryland 46-3755188 (State or other jurisdiction of ...

NewtekOne, Inc. (NASDAQ:NEWT) Q1 2023 Earnings Conference Call May 9, 2023 8:30 AM ET Company Participants Barry Sloane - President and Chief Executive Officer Nicholas Leger - Chief Accounting Officer Conference Call Participants Crispin Love - Piper Sandler Christopher Nolan - Ladenburg Thalmann & Co Bryce Rowe - B. Riley Paul Johnson - KBW Scott Sullivan - RJ Sean-Paul Adams - Raymond James Steven Nemo - Private Investor Operator Good day, welcome to the Newtek One, Inc. First Quarter 2023 Earnings Confe ...

Newtek Business Services Corp. (NASDAQ:NEWT) Q4 2022 Earnings Conference Call February 28, 2023 8:30 AM ET Company Participants Barry Sloane - Chairman, President and CEO Nicholas Leger - EVP and Chief Accounting Officer Conference Call Participants Crispin Love - Piper Sandler Paul Johnson - KBW Scott Sullivan - Raymond James Bryce Rowe - B. Riley Financial FBR Operator Good day and thank you for standing by. Welcome to the NewtekOne Incorporated Fourth Quarter and Full Year 2022 Conference Call. At this t ...

Newtek Business Services Corp. (NASDAQ:NEWT) Investor Conference Call December 14, 2022 8:30 AM ET Company Participants Barry Sloane - Chairman, President and Chief Executive Officer Nicholas Leger - Executive Vice President and Chief Accounting Officer John McCaffery - Senior Vice President of Accounting and Finance Conference Call Participants Adam Morton - RBC Capital Markets, LLC Christopher Nolan - Ladenburg Thalmann & Co. Inc. Robert Dodd - Raymond James & Associates, Inc. Scott Sullivan - Raymond Jam ...

Newtek Business Services Corp. (NASDAQ:NEWT) Q3 2022 Earnings Conference Call November 8, 2022 8:30 AM ET Company Participants Barry Sloane - Chairman, President and Chief Executive Officer Nicholas Leger - Executive Vice President and Chief Accounting Officer John McCaffery - SVP of Accounting and Finance Conference Call Participants Jim Collins - Excelsior Capital Partners Paul Johnson - Keefe, Bruyette & Woods, Inc. Operator Good day and thank you for standing by, and welcome to the Newtek Business Servi ...

| --- | --- | --- | |-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------| | | | | | | Newtek Business Services Corp. NASDAQ: NEWT Third Quarter 2022 Financial Results Conference Call November 8, 2022 8:30 am ET | | | | Hosted by: | | | | Barry Sloane, CEO & President and Nicholas Leger, EVP & CAO Investor Relations Jayne Cavuoto Director of Investor Relations jcavuoto@newtekone.co ...

Newtek Business Services Corp. (NASDAQ:NEWT) Q2 2022 Earnings Conference Call August 4, 2022 8:30 AM ET Company Participants Barry Sloane - Chairman, President and Chief Executive Officer Nicholas Leger - Executive Vice President and Chief Accounting Officer Conference Call Participants Paul Johnson - Keefe, Bruyette & Woods, Inc. Adam Morton - RBC Capital Markets, LLC Operator Good day. Thank you for standing by. Welcome to the Newtek Business Services Corporation Second Quarter 2022 Earnings Conference Ca ...

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