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    Zane Shaw

    Vice President and Senior Research Analyst at D.A. Davidson

    Zane Shaw is a Vice President and Senior Research Analyst at D.A. Davidson, focused on equity research in the consumer and retail sector, particularly covering specialty retail and branded consumer companies. He provides analysis on firms such as Boot Barn Holdings, Duluth Holdings, Sportsman's Warehouse, and Yeti Holdings, and his research is cited for actionable buy and sell recommendations within the sector. Shaw joined D.A. Davidson in 2018 following his tenure as an equity research associate at Piper Jaffray, and began his career as a business analyst at Target Corporation. He holds active FINRA Series 7, 63, 86, and 87 licenses, and is recognized for his bottom-up fundamental research and sector expertise.

    Zane Shaw's questions to BankFinancial (BFIN) leadership

    Zane Shaw's questions to BankFinancial (BFIN) leadership • Q4 2023

    Question

    Inquired about the 2024 outlook for deposit growth, the target loan-to-deposit ratio, the potential use of brokered deposits, fee income prospects, and the target efficiency ratio.

    Answer

    The executive stated that a good case for 2024 is flat deposit growth, with a target to increase the loan-to-deposit ratio to 90%. There are no plans to use brokered deposits. Fee income is expected to improve from various sources including retail services, trust, and treasury management. The target efficiency ratio for year-end 2024 is in the mid-to-high 60s percent range.

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