Jun 30, 2023

Banner Q2 2023 Earnings Report

Banner reported net income for the second quarter of 2023, declared a quarterly cash dividend, and saw loan growth and higher yields on interest-earning assets.

Key Takeaways

Banner Corporation reported a net income of $39.6 million, or $1.15 per diluted share, for the second quarter of 2023. This represents a decrease of 29% compared to the previous quarter and a decrease of 17% compared to the second quarter of 2022. The results were influenced by factors such as loan growth, higher yields on interest-earning assets, and the higher interest rate environment impacting net interest margin.

Net income was $39.6 million, or $1.15 per diluted share, a decrease compared to the preceding quarter and the second quarter of 2022.

Net interest income decreased to $142.5 million, reflecting an increase in funding costs.

Revenues decreased 7% to $150.9 million, compared to $162.6 million in the preceding quarter.

Net loans receivable increased 3% to $10.33 billion at June 30, 2023, compared to $10.02 billion at March 31, 2023.

Total Revenue
$151M
Previous year: $156M
-3.4%
EPS
$1.32
Previous year: $1.25
+5.6%
Net Interest Margin
4%
Previous year: 3.44%
+16.3%
Return on Avg. Assets
1.02%
Previous year: 1.16%
-12.1%
Efficiency Ratio
63.21%
Previous year: 58.94%
+7.2%
Cash and Equivalents
$281M
Previous year: $1.17B
-76.0%
Free Cash Flow
$39.7M
Previous year: $60.6M
-34.5%
Total Assets
$15.6B
Previous year: $16.4B
-4.9%

Banner

Banner

Banner Revenue by Segment

Banner Revenue by Geographic Location

Forward Guidance

The company did not provide specific forward guidance in the earnings report.