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    Liam Coohill • Stephens, Inc.

    Liam Coohill's questions to First Hawaiian Inc (FHB) leadership

    Liam Coohill's questions to First Hawaiian Inc (FHB) leadership • Q2 2025

    Question

    Liam Coohill of Raymond James inquired about the primary drivers of C&I loan growth, the potential impact of tariffs versus tourism spending on the local economy, and the bank's capital allocation priorities for the second half of the year.

    Answer

    Chairman, President & CEO Robert Harrison explained that C&I growth was driven by a normalization in dealer floorplan balances, while payoffs in commercial real estate led to revised full-year loan growth guidance of low single digits. Harrison also noted that strong U.S. tourism spending is offsetting any tariff concerns, which are mainly limited to the auto dealer sector. CFO James Moses added that capital priorities remain organic growth, the dividend, and share repurchases, with more buybacks expected in the latter half of the year.

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    Liam Coohill's questions to Heritage Financial Corp (HFWA) leadership

    Liam Coohill's questions to Heritage Financial Corp (HFWA) leadership • Q2 2025

    Question

    Liam Coohill of Raymond James & Associates, Inc. asked about the competitive landscape for loans, the deposit-gathering strategy for the planned Spokane branch, and the geographic or business-line dynamics behind loan production strength.

    Answer

    President & CEO Bryan D. McDonald acknowledged that loan competition has intensified, including on price, but stated Heritage's pipeline remains strong, aided by new teams. He explained the Spokane branch will target full-service business relationships. McDonald clarified that production strength is not tied to specific geographies but rather to market disruption and the focused efforts of new teams across their strong Pacific Northwest corridor.

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    Liam Coohill's questions to Heritage Financial Corp (HFWA) leadership • Q1 2025

    Question

    Liam Coohill from Raymond James asked about the primary opportunities for loan growth, the key drivers of strong Q1 deposit growth, and whether the bank has adapted its credit underwriting in response to emerging economic risks.

    Answer

    President Bryan McDonald highlighted a focus on a balanced mix of C&I and commercial real estate loans and attributed strong deposit growth to new client acquisition from market disruption. Chief Credit Officer Tony Chalfant explained that while credit metrics are stable, a cross-departmental team is now in place to proactively monitor industries potentially impacted by economic changes, emphasizing client communication.

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    Liam Coohill's questions to First Foundation Inc (FFWM) leadership

    Liam Coohill's questions to First Foundation Inc (FFWM) leadership • Q1 2025

    Question

    Liam Coohill of Stephens, Inc. inquired about the trends in C&I loan utilization rates, the strategic focus of recent hiring, and the drivers behind the quarterly decline in assets under management (AUM).

    Answer

    CEO Thomas Shafer noted mixed C&I client behavior, with some hesitancy on capital expenditures but accelerated inventory purchases due to trade uncertainty. He confirmed new hires were concentrated in the Florida commercial market, with modest contributions expected in 2025. Regarding AUM, Executive Jamie Britton and CEO Thomas Shafer attributed the decline to market fluctuations and normal client terminations, while expressing strong optimism about the future pipeline.

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