Sep 30, 2023

SouthState Q3 2023 Earnings Report

SouthState reported steady mid-single digit growth in loans and customer deposits, despite economic challenges.

Key Takeaways

SouthState Corporation reported a net income of $124.1 million and diluted earnings per share of $1.62 for the third quarter of 2023. The bank experienced steady growth in loans and customer deposits, with a focus on relationship-based deposit funding.

Reported diluted EPS of $1.62 and adjusted diluted EPS (Non-GAAP) of $1.62.

Net income reached $124.1 million, with an adjusted net income (Non-GAAP) of $124.3 million.

Loans increased by $480 million, or 6% annualized, driven by consumer real estate and investor commercial real estate.

Deposits increased by $193 million, or 2% annualized, despite a decline in brokered CDs.

Total Revenue
$428M
Previous year: $435M
-1.6%
EPS
$1.62
Previous year: $1.89
-14.3%
Efficiency Ratio
54%
Previous year: 53.14%
+1.6%
Cash and Equivalents
$1.33B
Previous year: $2.92B
-54.5%
Free Cash Flow
$438M
Previous year: $275M
+59.4%
Total Assets
$45B
Previous year: $45.2B
-0.4%

SouthState

SouthState

SouthState Revenue by Segment

Forward Guidance

This document does not contain any forward guidance.