SouthState Corporation (SSB) Q3 2024 Earnings Call Transcript Summary
SouthState Corporation (SSB) Q3 2024 Earnings Call Transcript Summary
Loan growth was consistent at 4% annually, with substantial growth in single family residential and C&I loans.The following is a summary of the SouthState Corporation (SSB) Q3 2024 Earnings Call Transcript:
以下是southstate公司（SSB）2024年第三季度業績會議通話摘要：
Financial Performance:
金融業績：
SouthState reported broad-based growth in loans, deposits, revenue, and earnings per share in Q3 2024.
Net interest margin (NIM) was at 3.40%, slightly down by four basis points from the previous quarter due to increased deposit costs.
Loan growth was consistent at 4% annually, with substantial growth in single family residential and C&I loans.
Non-interest income was stable, with a significant increase in revenue from SBA securitization business.
SouthState報告2024年第三季度貸款、存款、營業收入和每股收益廣泛增長。
淨利息收益率（NIM）爲3.40%，比上一季度略微下降四個點子，這是由於存款成本增加導致的。
貸款增長一直保持在年度4%的水平，單一家庭住宅和C&I貸款有實質性增長。
非利息收入穩定，SBA證券化業務的營業收入顯著增加。
Business Progress:
業務進展：
SouthState is continuing its partnership and upcoming merger with Independent Financial, aiming to integrate and align operations well before the official closing and conversion in summer 2025.
Enhancements have been made to the SBA securitization business, which now has a pooling license, contributing positively to loan yield.
SouthState將繼續與Independent Financial合作，計劃在2025年夏季官方結算和轉換之前很好地整合和調整運營。
美國小企業管理局資產證券化業務已進行了增強，現在擁有資產匯聚許可證，對貸款收益產生積極影響。
Opportunities:
機會：
The merger with Independent Financial presents an opportunity for expansion and growth in new geographic areas such as Texas and Colorado.
Anticipated expansion of the treasury management platform post-merger to boost C&I banking segment.
與獨立金融的合併爲業務拓展提供了機會，並在得克薩斯州和科羅拉多州等新地理區域實現增長。
預計合併後的財政管理平台擴展將推動C&I銀行業務板塊。
Risks:
風險：
Caution was advised regarding the future outlook due to the inverted yield curve, which may affect the pace of loan growth despite a robust pipeline.
儘管擁有強勁的預期貸款項目，但由於倒掛收益曲線，對未來前景發出了警告，可能會影響貸款增長速度。
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。
