Earnings Call Summary | National Bank(NBHC.US) Q1 2024 Earnings Conference
Earnings Call Summary | National Bank(NBHC.US) Q1 2024 Earnings Conference
The following is a summary of the National Bank Holdings Corporation (NBHC) Q1 2024 Earnings Call Transcript:
以下是國家銀行控股公司（NBHC）2024年第一季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
National Bank Holdings reported a net income of $31.4 million or $0.82 per diluted share for Q1 2024.
The bank reported a decrease in the loan balance by $130 million or 1.7%.
The first quarter saw an increase in deposit balances by $327 million, allowing for payment of all FHLB borrowings.
National Bank's net interest income amounted to $85.7 million, leading to a net interest margin of 3.78%.
Non-interest income rose by $1.6 million from the previous quarter, reaching a total of $17.7 million.
Non-interest expenses for the quarter were recorded at $62.8 million.
An increase of 2.4% was noted in the tangible book value per share, ending the quarter at $23.32.
國家銀行控股公司報告稱，2024年第一季度淨收益爲3,140萬美元，攤薄每股收益爲0.82美元。
該銀行報告稱，貸款餘額減少了1.3億美元，下降了1.7％。
第一季度的存款餘額增加了3.27億美元，允許償還所有FHLB的借款。
國家銀行的淨利息收入爲8,570萬美元，淨利率爲3.78％。
非利息收入比上一季度增長了160萬美元，總額達到1770萬美元。
該季度的非利息支出爲6,280萬美元。
每股有形賬面價值增長了2.4％，本季度末爲23.32美元。
Business Progress:
業務進展：
Despite a slow start due to client's anticipating lower interest rates, a strong loan production pipeline is expected in Q2.
Core deposits for the bank grew by 6.8% in the first quarter compared to Q1 2023.
Significant progress is reported on the 2UniFi digital banking platform, with testing expected in the fourth quarter.
儘管由於客戶預期利率會降低，起步緩慢，但預計第二季度將出現強勁的貸款生產渠道。
與2023年第一季度相比，該銀行的第一季度核心存款增長了6.8％。
據報道，2UniFi數字銀行平台取得了重大進展，預計將在第四季度進行測試。
More details: National Bank IR
更多詳情： 國民銀行 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.
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譯文內容由第三人軟體翻譯。