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Dec 31, 2021

Glacier Q4 2021 Earnings Report

Glacier Bancorp reported a decrease in net income due to credit loss expense and acquisition-related expenses, but experienced strong net interest income and loan growth.

Key Takeaways

Glacier Bancorp reported a net income of $50.7 million for Q4 2021, a decrease of 38% compared to the prior year's fourth quarter. The decrease was primarily driven by credit loss expense and acquisition-related expenses from the Altabank acquisition. However, the company experienced strong net interest income and loan growth during the quarter.

Net interest income, excluding PPP loans, increased 19% over the prior quarter.

The loan portfolio, excluding PPP loans, organically grew 16% annualized.

Core deposits organically increased 13% annualized.

The company completed the acquisition of Altabancorp.

Total Revenue
$188M
Previous year: $166M
+13.2%
EPS
$0.46
Previous year: $0.86
-46.5%
Net Interest Margin
3.21%
Previous year: 4.03%
-20.3%
Efficiency Ratio
57.68%
Previous year: 50.34%
+14.6%
Loan to Deposit Ratio
63.24%
Previous year: 76.29%
-17.1%
Gross Profit
$192M
Previous year: $210M
-9.0%
Cash and Equivalents
$438M
Previous year: $633M
-30.9%
Total Assets
$25.9B
Previous year: $18.5B
+40.2%

Glacier

Glacier

Forward Guidance

All Divisions across the West are extremely well positioned to thrive in 2022.