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Jun 30, 2021

SouthState Q2 2021 Earnings Report

SouthState experienced solid growth driven by loan increases, loan production, and an increase in core net interest income.

Key Takeaways

SouthState Corporation reported a consolidated net income of $1.39 per diluted common share, and an adjusted net income (non-GAAP) of $1.87 per diluted share for the three months ended June 30, 2021. Loan growth was solid, and core net interest income increased for the first time since the start of the pandemic.

Reported & adjusted diluted Earnings per Share (“EPS”) of $1.39 and $1.87 (Non-GAAP), respectively

Recorded a negative provision for credit losses of $58.8 million compared to a negative provision for credit losses of $58.4 million in the prior quarter

Reported & adjusted Return on Average Tangible Common Equity of 14.1% (Non-GAAP) and 18.7% (Non-GAAP), respectively

Pre-Provision Net Revenue (“PPNR”) of $113.4 million, or 1.14% PPNR ROAA (Non-GAAP)

Total Revenue
$332M
Previous year: $217M
+53.1%
EPS
$1.87
Previous year: $0.89
+110.1%
Efficiency Ratio
76.28%
Previous year: 80.52%
-5.3%
Adjusted Efficiency Ratio
62.88%
Previous year: 61.91%
+1.6%
Cash and Equivalents
$6.4B
Previous year: $4.36B
+46.8%
Free Cash Flow
-$62.7M
Previous year: $21.9M
-386.3%
Total Assets
$40.4B
Previous year: $37.7B
+7.0%

SouthState

SouthState

Forward Guidance

SouthState Corporation announced the execution of an Agreement and Plan of Merger with Atlantic Capital Bancshares, Inc.