Earnings Call Summary | Hilltop Holdings(HTH.US) Q2 2024 Earnings Conference
Earnings Call Summary | Hilltop Holdings(HTH.US) Q2 2024 Earnings Conference
Net interest income declined by 12% year-over-year, offset by growth in non-interest revenue and a decrease in non-interest expenses.The following is a summary of the Hilltop Holdings Inc. (HTH) Q2 2024 Earnings Call Transcript:
以下是希爾託普控股（HTH）2024年第二季度業績會簡報：
Financial Performance:
金融業績：
Hilltop Holdings reported a net income of approximately $20 million, or $0.31 per diluted share for Q2 2024.
Return on average assets was 0.6% and return on average equity was 3.8%.
Net interest income declined by 12% year-over-year, offset by growth in non-interest revenue and a decrease in non-interest expenses.
希爾託普控股報告2024年第二季度淨利潤約爲2000萬美元，每股攤薄收益爲0.31美元。
平均資產回報率爲0.6％，平均股本回報率爲3.8％。
淨利息收入同比下降12％，但非利息收入增長和非利息支出減少得到抵消。
Business Progress:
業務進展：
PlainsCapital Bank's pretax income was $33 million on $12.7 billion of assets.
PrimeLending saw positive pretax results, benefiting from high origination volumes and improved gain on sale margins.
Hilltop Securities generated pretax income of $7 million, highlighting diversity in service offerings despite varied performance across business lines.
平原銀行的稅前收入爲3300萬美元，資產規模爲127億美元。
PrimeLending取得了正面的稅前收益，受益於高額髮行量和改善的銷售利潤率。
希爾託普證券的稅前收入爲700萬美元，強調服務多樣化，儘管業務領域表現不同。
Opportunities:
機會：
Positive trends in deposit growth excluding broker deposits indicate stable growth in core banking operations.
Improvements in Hilltop's lending practices and adjustments in market strategies to navigate high interest rates present future opportunities.
除經紀人存款外，存款增長呈現積極的趨勢，表明核心銀行業務穩步增長。
希爾託普控股在貸款業務方面的改進和市場策略的調整爲應對高利率提供了未來機會。
Risks:
風險：
Elevated interest rates and robust competition continue to pressure commercial lending, potentially restricting loan growth.
Persistent adjustments in deposit costs and competitive market conditions might impact financial stability.
高利率和激烈的競爭仍繼續對商業貸款施加壓力，可能限制貸款增長。
存款成本的持續調整和競爭市場條件可能會影響財務穩定性。
More details: Hilltop Holdings IR
更多詳細信息請參考希爾託普控股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：如需更全面的詳情，請參閱投資人關係網站。本文僅供投資者參考，不作任何指引或建議。
譯文內容由第三人軟體翻譯。
