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CFO Robert Wahlman explained that credit enhanced income is a direct offset to the provision for credit losses on that portfolio and detailed the short-term reliance on wholesale funding versus the long-term strategy of using lower-cost deposits from the payments business. Bank CEO James Noone clarified that recent net charge-off levels were in line with expectations and historical averages, attributing the quarterly variance to specific SBA charge-offs rather than a new trend.

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CFO Robert Wahlman clarified that the expense build for new initiatives is substantially complete, with recent increases driven by seasonal payroll taxes and accrual adjustments. He stated that NII growth is expected to resume, driven by a seasonal rebound in high-yield originations and volume growth from new programs, which will offset some margin pressure. Regarding buybacks, Wahlman explained the company would consider repurchases if the stock price fell below tangible book value, while also balancing the need for market liquidity.

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The company explained that the provision guidance is intentionally conservative to avoid missing estimates again, despite improving credit trends. A Q2 slowdown in SBA loan sales was due to procedural changes but has since recovered. Franchise finance is cash-flow based lending, and the company has paused new originations in that segment due to market uncertainty.

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Executive Kenneth Lovik explained that the charge-offs were related to specific borrower situations, such as guarantor bankruptcies or unit closures, that materialized late in the quarter. Executive Nicole Lorch added that the issues were borrower-specific and not concentrated in any particular franchise category. Executive David Becker noted an internal policy to charge off or reserve for loans at 90 days delinquent contributed to the Q1 numbers. Regarding deposits, Kenneth Lovik clarified that the shift toward interest-bearing demand deposits was driven by growth in fintech partnerships.

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The company explained that Q1 franchise finance issues were borrower-specific and driven by late-quarter developments and a 90-day charge-off policy, not a specific industry trend. Criticized loans in the franchise portfolio were $13.8 million with a 44% reserve. The deposit mix shift from CDs to lower-cost fintech-driven demand deposits is expected to continue.

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Executive Kenneth Lovik explained the higher provision guidance for 2025 is a conservative measure reflecting the SBA portfolio's growth and higher ACL coverage. Executive David Becker added that the charge-offs were not due to systemic issues but were 'one-off' situations, and the bank took the opportunity to 'set a clean stage for 2025.' For 2025, Kenneth Lovik stated the bank targets $600 million in SBA originations and assumes a 1.08% net premium on sales, noting they might retain loans if premiums weaken.

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Executive Kenneth Lovik explained that franchise and small business nonaccruals were due to isolated issues, not systemic trends. CEO David Becker added that their internal policy drives the reclassification at 90 days, problem SBA loans peaked in July, and the consumer and single-tenant lease portfolios remain very strong. Regarding the surge in deposits, Becker clarified it was an unintentional, rapid inflow from customers reacting to a 50-basis-point Fed rate cut before the bank could adjust its own rates downward.

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EVP & CFO Nicole Van Denabeele confirmed the $126M-$128M expense guidance for the second half of the year includes the projected $16M-$17M in 2Unify expenses. Chairman & CEO Timothy Laney clarified that the expense cuts were from a 'hard reduction in personnel count' managed through attrition, keeping restructuring costs low. He also noted that the bank's 'hit rate' on loan term sheets is currently lower than historical norms because they refuse to compromise on credit structure or pricing.

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EVP & CFO, Nicole Van Denabeele, confirmed the H2 noninterest expense guidance of $126-$128 million is inclusive of the projected 2Unify expenses. Chairman & CEO, Timothy Laney, elaborated that the expense actions involved a hard reduction in personnel count, achieved largely through natural attrition and automation, which kept restructuring costs minimal. Regarding competition, Mr. Laney stated that the bank's 'hit rate' on loan term sheets is currently lower than historical averages because they refuse to compromise on credit structure or pricing.

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EVP & CFO Nicole Van Denabeele confirmed the expense guidance is inclusive of the projected $16-$17 million for 2Unify. Chairman & CEO Timothy Laney added that the expense cuts were a 'hard reduction' in personnel, achieved with minimal cost by leveraging natural attrition. Regarding competition, Mr. Laney noted their 'hit rate' on loan term sheets is currently lower than historical norms because the bank refuses to compromise on credit structure or pricing.

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CEO Tim Laney stated that while there is pressure on credit structure, the bank is holding firm on pricing, supported by its relationship-based model. President Aldis Birkans noted deposit growth was driven by both client liquidity and tax seasonality, and they expect to grow deposits alongside loans. CFO Nicole Van Denabeele detailed the purchase of $240 million in short-duration securities at a ~5% yield.

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EVP & CFO Martin Grunst and EVP Scott Grauer expressed confidence in fee income, citing strong performance in fiduciary services, transaction cards, and a robust pipeline for syndications and municipal investment banking. CEO Stacy Kymes reiterated that M&A is opportunistic, not a core strategy, and emphasized their focus on organic growth. He noted the company has added over 30 producers across its footprint in the past year.

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EVP Marc Maun explained that healthcare and CRE payoffs were driven by a favorable refinancing environment which he expects to taper off, allowing growth to resume. He highlighted that Q4 saw substantial C&I growth in Texas, demonstrating a return on investment there. CEO Stacy Kymes and CFO Martin Grunst declined to provide a specific dollar figure for the trading revenue shift but affirmed that total trading revenue is expected to grow, directing analysts to Slide 10 for historical context.

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CFO Marty Grunst and CEO Stacy Kymes expressed confidence in Q4 NIM expansion, citing successful deposit repricing, ongoing repricing of the fixed-rate securities and loan books, and the benefit of a large fixed-rate securities portfolio funded by floating-rate liabilities. On M&A, CEO Stacy Kymes reiterated their selective approach, stating that their strategy is focused on organic growth and that potential acquisitions must fit their strict criteria regarding CRE concentration and core deposit franchises, making such events low probability.

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EVP & CFO Orlando Berges-González confirmed the full-year effective tax rate is expected to be around 23%, partly due to the tax benefits of redeeming subordinated debentures. President & CEO Aurelio Alemán-Bermudez explained the deposit decline was concentrated in a few large commercial accounts due to non-recurring events like capital investments and tax payments, and that the improving trend in consumer credit charge-offs is considered sustainable.

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The 23% tax rate is for the full year, partly due to the tax benefits from redeeming the TruPS. The deposit decline was concentrated in a few large, non-recurring commercial accounts due to business purposes, tax payments, and some yield-seeking behavior, but retail deposits are stable. The current trend of sustainable to improving charge-offs for consumer portfolios is expected to continue.

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CEO Aurelio Alemán-Bermúdez explained that he expects growth to be driven by the commercial and construction portfolios, with slower growth in consumer loans and a slight pickup in residential mortgages. He confirmed the Apple Pay project is in progress and should launch within the year. Regarding credit risk, he noted Florida's market is more competitive, but the bank's portfolio there is performing well, while Puerto Rico's CRE portfolio benefits from healthy loan-to-values.

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Chairman & CEO John Allison clarified that his income targets are goals dependent on acquiring new assets. President & Chief Lending Officer Kevin Hester confirmed the loan pipeline remains strong despite some expected payoffs moving into Q3. CEO of Centennial Bank, Stephen Tipton, stated that an initial rate cut could be offset by lowering deposit costs, given the bank's slight asset sensitivity. Mr. Allison also noted that Q2 expenses were elevated by a one-time lawsuit settlement.

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Executive Kevin Hester clarified that a large portion of the recoveries will come from consistent monthly payments of $1.5 million from a large charge-off. Executive John Allison stated his preference for a 2% reserve, calling it a smart and conservative approach, and affirmed he would not let the reserve drop below its current level of 1.86%. On M&A, Allison expressed optimism following a recent peer's fast deal approval and confirmed Home Bancshares is open for a deal that makes sense for both parties.

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Chairman John Allison attributed the robust deposit inflows to the bank's marketing of its financial strength and its commitment to cover all uninsured deposits, rather than promoting special CD rates. Regarding M&A, he confirmed the company is actively looking for opportunities to deploy its high capital levels and acquire more assets, mentioning a recent deal was paused to maintain transparency about the quarter's charge-offs.

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Chief Lending Officer Kevin Hester noted some near-term softness but expects community bank loan growth to continue in 2025. CCFG President Chris Poulton added that while CCFG may shrink slightly before growing again, the focus remains on originating quality assets. On deposits, CEO Stephen Tipton attributed the quarterly decline to seasonal municipal outflows and stated the core strategy of relationship-based gathering remains unchanged.

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CEO José Fernández described the energy situation as a "long journey" that will remain noisy but is not derailing the underlying strength of the Puerto Rican economy. On credit, Chief Risk Officer César Ortiz-Marcano clarified that Q1 typically sees seasonally low delinquencies, so a Q2 uptick is normal. He emphasized that newer loan vintages from 2022 onwards are performing better, which should lead to stable and improving credit metrics compared to previous years, suggesting the positive trend is sustainable.

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Executive José Fernández described fixing the power grid as a fragile, decade-long process but noted businesses have adapted. He sees onshoring as a future opportunity but with no tangible evidence yet. Regarding Apple Pay, he highlighted it as a key innovation reinforcing OFG's tech leadership. Executive Maritza Arizmendi confirmed the fee income run rate is $29-$30 million per quarter and the expected full-year effective tax rate is 26%.

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CFO Steven Crockett noted that while CD rates are repricing lower, significant NIM moves are unlikely without Fed rate changes, though President Cory Newsom affirmed a continued focus on expansion. Chairman & CEO Curtis Griffith detailed that the primary M&A impediment is seller valuation expectations, particularly regarding AOCI marks, and stated their ideal target size is in the $600 million to over $1 billion asset range. Newsom added that the mortgage banking business is expected to remain flat but profitable as they maintain their infrastructure.

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Chief Credit Officer Brent Bates noted that Q4 payoffs were high due to clients experiencing positive liquidity events, which informs their conservative guidance, though they aim to over-deliver. CEO Curtis Griffith discussed the M&A landscape, stating that while deal flow is increasing, they remain disciplined and have not yet found an opportunity that meets their strict criteria regarding cultural fit and shareholder value. President Cory Newsom added that the bank is better positioned than ever for a strategic acquisition.

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President Cory Newsom and CEO Curtis Griffith attributed DDA growth to a strategic focus on requiring deposit relationships with lending clients. Executive Steven Crockett noted that while there's some seasonality, the growth is real. Regarding loan growth, Cory Newsom and Chief Credit Officer Brent Bates highlighted that the new business pipeline is the strongest in two years and that headwinds from the contracting indirect auto and homebuilder portfolios are stabilizing. Steven Crockett added that while the bank is asset-sensitive and expects NIM to improve as rates fall, excess liquidity could create some short-term pressure.

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Chairman & CEO Brad Elliott stated that Wichita represents less than 10% of the company's portfolio, with minimal direct exposure to aircraft suppliers. He noted the local job market remains strong and unaffected by issues at Boeing/Spirit. EVP & CFO Chris Navratil indicated that most deposit cost reductions have already occurred and the market for new deposits is competitive. On M&A, Brad Elliott reiterated that the company's focus remains on target institutions with assets between $250 million and $1.5 billion.

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Bank CEO Rick Sems noted more rational deposit competition and said the bank would mirror any Fed moves. Chairman and CEO Brad Elliott and CFO Chris Navratil highlighted that Equity's treasury platform and retail strategy would be additive to NBC's strong existing franchise. Regarding the margin, Chris Navratil stated the bank is fairly neutral to rate changes and expects to sustain its current margin position, not necessarily see a significant boost from cuts.

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CFO Michael Achary acknowledged that spread compression was due to a mix of competitive pressures and strategic pricing for growth. President and CEO John Hairston added that fee income growth is broad-based, driven by strong trust fees (boosted by the Sable acquisition), treasury services, and card revenue, with potential upside from secondary mortgage.

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CFO Michael Achary explained that while Sabal accounts for about two-thirds of the fee income guidance increase, the other third comes from strength in specialty lines like BOLI, syndication, SBIC, and SBA fees. CEO John Hairston added that wealth management, treasury services, and leading smaller syndications are also key contributors. Regarding loan growth, Mr. Hairston clarified that the Q1 headwind was from a few specific healthcare-related payoffs where HWC opted out, providing liquidity for future growth, rather than a broad, intentional runoff of its SNC portfolio.

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CFO Michael Achary clarified that the 4-5% expense growth guidance includes about 100 basis points from the organic growth plan. He noted that the market is behaving as expected with no surprises in betas, and that the bank's strategy is focused on repricing a large volume of maturing CDs lower and growing DDA balances, which are key to 2025 margin expansion.

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CFO Michael Achary detailed that the $5.6 million sequential increase in 'other income' was driven by specialty items like SBA fees, SBIC income, BOLI, and derivatives, which are not expected to repeat at the same level in Q4. Regarding capital, Achary reiterated that the bank has achieved its goal of top-quartile capital levels, which provides optionality. The top priority for capital deployment is supporting organic balance sheet growth, followed by share repurchases and dividends.

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CFO Michael Mettee explained the mortgage provision increase was driven by the new, more granular ACL model, which analyzed older, high-LTV loans against flatter home price forecasts and higher unemployment assumptions. CEO Chris Holmes stated the bank is well-positioned for M&A, targeting deals in the $3B to $7B asset range, and can also capitalize on organic opportunities from market disruption. Chief Banking Officer Travis Edmonson added that the bank hired four new revenue producers in Q2.

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CFO Michael Mettee explained that Q1 loan growth was weighted toward March, allowing the bank to shed about $50 million in higher-cost brokered deposits. Executive Christopher Holmes added that core customer deposit growth was strong, and they expect more total asset growth in Q2. Regarding construction, Holmes stated the bank's concentration ratio remains low at 64% and that they are watching the hospitality space, particularly in Nashville, very carefully, only proceeding on select deals with strong, well-known guarantors.

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Executive Christopher Holmes addressed the CRE concern, stating the distressed sales involved older, non-locally financed properties and are not indicative of a fundamental economic issue in Nashville; he noted FBK has limited exposure to center-city office financing. Executive Michael Mettee explained that the Q1 NIM expansion is expected to be driven by deploying excess liquidity, which would improve the loan-to-deposit ratio, and the benefit of a stabilizing interest rate environment.

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CEO Lee Gibson confirmed the $1.9 billion pipeline is the largest in a while, with a historical pull-through of 25-30%. He noted that about $300 million in CDs are set to reprice lower, which, along with new swaps and expected loan growth, should positively impact the margin, suggesting the Q1 margin was the trough. An executive, likely CLO Keith Dongey, added that the new Houston lenders are business bankers focused on the small to middle market, and moving their existing books will take time.

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CEO Lee Gibson explained that the securities repositioning involved selling lower-yielding municipal securities and buying higher-yielding, shorter-duration mortgage-backed securities, resulting in a minor positive impact of 1-2 basis points on the NIM. He noted that while loan payoffs are a sign of a healthy economy, they necessitated a reduction in the 2024 loan growth target to 3%. Gibson described the near-term NIM outlook as potentially 'bumpy' due to the seasonal outflow of a large, low-cost deposit account that benefited Q3.

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CFO Terry Earley explained that deposit growth was driven by both seasonality and new customer acquisition, and that maturing CDs at 4.57% are being replaced with new ones in the 4.15%-4.25% range. CEO Malcolm Holland and CFO Terry Earley noted that while expenses will rise from Q1 due to strategic hires, they will not return to Q4's higher levels. They projected flat loan growth for 2025, with a stronger outlook for 2026 based on a 130% year-over-year increase in loan production.

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CFO Terry Earley attributed deposit growth to seasonality and new customer acquisition, noting that maturing CDs with a 4.57% rate are being repriced in the 4.15%-4.25% range. CEO Malcolm Holland and CFO Terry Earley clarified that while expenses are being tightly managed, they will increase from Q1 levels due to strategic hiring of commercial bankers, though they will not return to Q4's higher levels. They confirmed a flat loan growth outlook for 2025, with a return to mid-to-high single-digit growth anticipated for 2026 based on strong production pipelines.

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Chief Credit Officer Curtis Anderson explained that the bank is actively managing criticized loans through various strategies, including payoffs and note sales, and expects relative stability in the category. Regarding capital, CEO Malcolm Holland stated that while they are happy with current ratios, the plan is to continue building capital, viewing it as prudent "dry powder." CFO Terry Earley addressed fee income by emphasizing a focus on the totality of fees—including swaps, syndications, and treasury management—rather than just the 'other' bucket, as a key driver of profitability.

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CFO Terry Earley confirmed the NIM guidance, stating it factors in one Fed rate cut and their belief that they can reprice the $2.3 billion in maturing CDs lower than their current 5.18% average rate. CEO Malcolm Holland and CCO Curtis Anderson explained that while the criticized asset trend is downward, it involves a dynamic, name-by-name strategic approach. On capital, Terry Earley noted the buyback is opportunistic and will likely only be used when the stock is below tangible book value, which is not the current situation.

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President and CEO William Carroll explained that Q1 fee income was bolstered by typical seasonality in insurance contingency revenue and that market volatility could affect investment services fees. CFO Ronald Gorczynski added that mortgage banking revenue is an area with potential for an uptick. Regarding loan growth, Carroll and executive Rhett Jordan stated their approach remains balanced, with the pipeline mix reflecting their current portfolio composition and continued good demand across all product types and geographies.

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President and CEO William Carroll stated that the investment services income is becoming more consistent, while CFO Ronald Gorczynski clarified that the high level of Q3 swap income was opportunistic and not expected to repeat in Q4. Both executives affirmed a strong focus on growing core deposits through their sales teams, noting that the competitive rate environment is stabilizing.

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CEO James Rollins stated that no single loan category will move the overall guidance and expressed confidence in growth opportunities across the footprint. President Edward Braddock added that while the energy portfolio saw paydowns, it also added new transactions and expects activity to create new opportunities. Regarding M&A, Rollins noted that market volatility causes hesitation, but consolidation will continue to happen as companies assess the environment.

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Chairman and CEO James Rollins reported new loan originations of approximately $1.07 billion, which were offset by payoffs from M&A and capital markets activity. President Edward Braddock specified that the energy sector saw significant churn. Regarding guidance, EVP and CFO Valerie Toalson stated that while reaching the higher end of the revenue growth range is a 'reasonable assumption,' she maintains a conservative stance due to deposit competition.

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CFO Matt Scurlock stated that market share in mortgage finance remains stable at around 5%, with the focus being on providing a holistic offering to clients to improve returns, not just growing warehouse balances. CEO Rob Holmes reinforced this, stating the strategy is to serve the best clients and that warehouse balances are a result of meeting their needs. Regarding the pipeline, Holmes said it is growing but has been pushed back due to uncertainty. Scurlock added that the fee outlook is now more heavily weighted to the second half of the year.

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Harold Carpenter (Executive) attributed BHG's strong credit trends to a stronger borrower base for new originations compared to prior years. M. Turner (Executive) explained that being "nimble" involves staying close to clients and using levers like hiring pace and incentive compensation to manage through downturns. Harold Carpenter added that the 100% incentive accrual reflects that the firm is currently on plan for its targets.

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Harold Carpenter, an executive, explained that while net interest income is expected to grow, the NIM will likely be flattish as the bank still has work to do managing deposit costs in the initial phases of rate cuts. He noted that balance sheet hedges will provide more benefit after about 100 basis points of cuts. Carpenter believes the bank can maintain its current margin, with only minor downside risk, by leveraging its relationship managers. Regarding DDA growth, M. Turner, an executive, added that while some seasonality exists, the primary driver is market share gains and securing full client relationships, which includes their main operating accounts.

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CFO Jorge Garcia acknowledged that while some deposit outflows to asset management continued, this was offset by seasonal commercial activity and a new product launch, with the at-risk deposit level remaining at $600M-$800M. He confirmed the NIM is expected to expand due to securities reinvestment and lower public deposit costs. CRO Lidio Soriano added that Puerto Rico's consumer credit normalization is in its late stages and that recent loan vintages show favorable performance.

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CFO Jorge Garcia explained that deposit outflows were driven by high-net-worth clients seeking higher yields and a surprising increase in spending across the broader retail base. He estimated a remaining risk of $600-$800 million in outflows. Regarding expenses, Garcia clarified the Q4 increase is closer to $25-$30 million on an adjusted basis, attributing it to transformation-related consulting fees and seasonal holiday spending, while deferring 2025 guidance.

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Executive Scott Wylie confirmed the large ranch property is under contract at a strong price that will not require a write-down, with a closing expected in early February. He noted two smaller properties are still being marketed. Executive David Weber stated that the NIM is expected to continue expanding in 2025 even without rate cuts, driven by loan portfolio turnover and a focus on growing DDA deposits. He added that each 25 basis point rate cut would add approximately $1 million in annualized NII and reported the December NIM was 2.47%.

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CEO Scott Wylie explained the new non-accrual is a $10 million loan to a wealthy individual facing a liquidity crunch, with full recovery expected. He clarified that the large charge-off was a mechanical accounting entry related to moving a previously discussed problem credit into OREO, where the specific reserve was written off. He also updated on the sale progress of the remaining OREO properties. COO Julie Courkamp provided the specific figures for classified loans, noting a significant decline. In a follow-up, Scott Wylie and Julie Courkamp further detailed that the charge-off process is tied to specific reserves and that the overall allowance also moves in line with the total loan portfolio balance.

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Loan originations were driven by a combination of taking market share from competitors, new projects from existing clients, and contributions from new lending teams. On M&A, management is always open to conversations and developing relationships. The flat margin forecast was clarified as a conservative view based on funding cost changes (brokered CDs, FHLB paydowns, public fund runoff) without factoring in potential upside from loan growth.

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Executives confirmed margin pressure in Q4 due to public fund seasonality, followed by a rise in 2024 with about $100 million in loans maturing quarterly. Loan demand remains healthy despite higher equity requirements for borrowers. The expense strategy for 2024 is to maintain control, with the main new spending related to crossing the $10B asset threshold.

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The bank plans to use the BTFP to replace higher-cost FHLB advances to lock in lower funding costs. Approximately $2 billion in fixed and adjustable-rate loans are expected to reprice higher during 2024. Fee income is expected to be relatively stable, with mortgage banking being the primary wildcard for potential upside.

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CEO Aurelio Aleman and CFO Orlando Berges explained the large credit was a previously classified relationship that filed for bankruptcy. They expressed optimism that PROMESA provides a more orderly framework that should reduce macro uncertainty and noted the overall classified book is showing improvement. Regarding Florida, Mr. Aleman described the strategy as a wholesale play focused on rebuilding branches, hiring quality officers, and growing core business in the Miami-Dade and Broward County markets.

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