Earnings Call Summary | United Community Banks(UCBI.US) Q1 2024 Earnings Conference
Earnings Call Summary | United Community Banks(UCBI.US) Q1 2024 Earnings Conference
The following is a summary of the United Community Banks, Inc. (UCBI) Q1 2024 Earnings Call Transcript:
以下是聯合社區銀行公司（UCBI）2024年第一季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
United Community Banks reported operating earnings per share at $0.52, a decrease compared to the previous quarter due to increased employment costs.
A slight increase was seen in the bank's operating return on assets from 92 to 93 basis points.
The bank's net interest margin showed minor improvement with a rise of 1 basis point on a GAAP basis and 2 basis points on a core basis.
Loan growth was reported at a lower-than-expected 1.2%, but there was solid core deposit growth outside of the high-rate public funds portfolio.
The company reported $12.9 million in net charge-offs, with a steady quarter-to-quarter allowance for credit losses.
聯合社區銀行公佈的每股營業收益爲0.52美元，與上一季度相比有所下降，原因是就業成本增加。
該銀行的營業資產回報率從92個點子略有增加到93個點子。
該銀行的淨利率略有改善，按公認會計原則計算上升了1個點子，核心利率上升了2個點子。
據報道，貸款增長低於預期的1.2％，但除高利率公共基金投資組合外，核心存款增長穩健。
該公司報告的淨扣除額爲1,290萬美元，信貸損失準備金逐季保持穩定。
Business Progress:
業務進展：
The bank is refining its loan and deposit pricing strategies to adjust to the high-for-longer rate environment.
United Community Bank reported a strong liquidity position with a loan-to-deposit ratio of 79% and practically no wholesale borrowings.
The bank's loan portfolio is less reliant on commercial real estate compared to its peers.
United bank was recognized by J.D. Power for its retail banking satisfaction in the Southeast for 2023.
There's anticipation of single-digit loan growth exceeding Q1's figures, unless the Fed intervenes.
Multiple efficiency projects are underway for improved results through technology implementation and process optimization.
There is a potential slowdown in loan yield in Q3 and Q4 if growth doesn't pick up. Pricing strategies are shifting with a larger focus on Commercial and Industrial loans over Commercial Real Estate lending.
該銀行正在完善其貸款和存款定價策略，以適應長期高利率環境。
聯合社區銀行報告稱，流動性狀況良好，存款比率爲79％，幾乎沒有批發借款。
與同行相比，該銀行的貸款組合對商業房地產的依賴程度較低。
聯合銀行因其2023年在東南部的零售銀行滿意度而獲得J.D. Power的認可。
除非聯儲局干預，否則預計個位數的貸款增長將超過第一季度的數字。
多個效率項目正在進行中，旨在通過技術實施和流程優化來改善結果。
如果增長不回升，第三季度和第四季度的貸款收益率可能會放緩。定價策略正在發生變化，將重點更多地放在商業和工業貸款上，而不是商業房地產貸款。
More details: United Community Banks IR
更多詳情： 聯合社區銀行 IR
Tips: For more comprehensive details, please refer to the IR website. The article is only for investors' reference without any guidance or recommendation suggestions.
提示：欲了解更多詳情，請訪問投資者關係網站。本文僅供投資者參考，不構成任何投資建議。
譯文內容由第三人軟體翻譯。