Sep 30, 2022

SouthState Q3 2022 Earnings Report

Reported strong performance driven by record pre-provision net revenue, robust net interest margin expansion, and expense control.

Key Takeaways

SouthState Corporation reported very strong performance in Q3 2022, with a record for pre-provision net revenue, robust net interest margin expansion and good expense control. Net loan recoveries were also reported.

Reported EPS of $1.75; Adjusted Diluted EPS (Non-GAAP) of $1.89

Net Income of $133.0 million; Adjusted Net Income (Non-GAAP) of $143.7 million

Net Interest Income of $358 million; Core Net Interest Income (excluding loan accretion and deferred fees on PPP) (Non-GAAP) increased $47 million from prior quarter

Net recoveries of $1.3 million, or (0.02)% annualized

Total Revenue
$435M
Previous year: $347M
+25.5%
EPS
$1.89
Previous year: $1.94
-2.6%
Efficiency Ratio
53.14%
Adjusted Efficiency Ratio
50.02%
Cash and Equivalents
$2.92B
Previous year: $6.3B
-53.6%
Free Cash Flow
$275M
Previous year: $172M
+59.9%
Total Assets
$45.2B
Previous year: $40.9B
+10.5%

SouthState

SouthState

SouthState Revenue by Segment

Forward Guidance

This document does not contain forward guidance.