Sep 30, 2023

Banner Q3 2023 Earnings Report

Banner reported net income, revenues increased, net interest income decreased, mortgage banking operations revenue increased, and non-performing assets decreased.

Key Takeaways

Banner Corporation reported a net income of $45.9 million, or $1.33 per diluted share, for the third quarter of 2023. Revenues increased by 2% to $154.4 million compared to the preceding quarter, while net interest income decreased slightly to $141.8 million. The company's performance benefited from loan growth and higher yields on interest-earning assets, though funding costs impacted net interest margin.

Net income was $45.9 million, or $1.33 per diluted share, a 16% increase compared to the preceding quarter.

Revenues increased 2% to $154.4 million, compared to $150.9 million in the preceding quarter.

Net interest income decreased 1% to $141.8 million, compared to $142.5 million in the preceding quarter.

Total deposits increased to $13.17 billion.

Total Revenue
$154M
Previous year: $162M
-4.7%
EPS
$1.43
Previous year: $1.42
+0.7%
Net Interest Margin
3.93%
Previous year: 3.85%
+2.1%
Return on Avg. Assets
1.17%
Previous year: 1.18%
-0.8%
Efficiency Ratio
62.1%
Previous year: 58.65%
+5.9%
Cash and Equivalents
$252M
Previous year: $822M
-69.4%
Free Cash Flow
$65.5M
Previous year: $37.2M
+76.2%
Total Assets
$15.5B
Previous year: $16.4B
-5.2%

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.