SunTrust Corporate Payment Solutions. David Fuller Senior Vice President Treasury Management Services Division Manager
|
|
- Sheila Crawford
- 8 years ago
- Views:
Transcription
1 SunTrust Corporate Payment Solutions David Fuller Senior Vice President Treasury Management Services Division Manager
2 The following should be read in conjunction with the financial statements, notes and other information contained in the Company s Quarterly Report for the period ended March 31, 2006 on Form 10-Q and the 2005 Annual Report on Form 10-K. This presentation includes non-gaap financial measures to describe SunTrust s performance. The reconciliation of those measures to GAAP measures can be found in the appendix of this presentation, as well as in SunTrust s earnings press releases, which can be found on SunTrust s website in the news section of the investor relations pages. In this presentation, net interest income, net interest margin and the efficiency ratio are presented on a fully taxable-equivalent ( FTE ) basis, and ratios are presented on an annualized basis. The FTE basis adjusts for the tax-favored status of income from certain loans and investments. The Company believes this measure to be the preferred industry measurement of net interest income and provides relevant comparison between taxable and non-taxable amounts. This presentation contains forward-looking statements (within the meaning of the Private Securities Litigation Reform Act of 1995) which involve significant risks and uncertainties, and investors are cautioned against placing undue reliance on management s expectations. The forward-looking statements are intended to be subject to the safe harbor protection provided by Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of Forward-looking statements include statements preceded by, followed by or that include the words intends, believes, expects, anticipates, plans, estimates, goals, strategies, initiatives, opportunities, or similar expressions or future conditional verbs such as will, should, would, and could. Actual results could differ materially from those contained in or implied by such statements for a variety of reasons including, but not limited to: changes in interest rates; changes in general business or economic conditions or the competitive banking environment; changes in credit conditions including customers ability to repay debt obligations; competitive pressures among local, regional, national, and international banks, thrifts credit unions, and other financial institutions; increases in the cost of funds resulting from customers pursuing alternatives to bank deposits or shifting from demand deposits to higher-cost products; significant changes in legislation or regulatory requirements, or the fiscal and monetary policies of the federal government and its agencies; significant changes in securities markets or markets for commercial or residential real estate; the Company s success in managing its costs, including costs associated with the expansion of distribution channels and developing new ones; the potential that the Company may acquire other institutions or may be acquired by other institutions; the potential that the Company may divest certain portions of its business; hurricanes and other natural disasters; litigation; and changes in accounting principles, policies, or guidelines. These factors and others are described in the Company s Annual Report on Form 10-K under the heading Risk Factors, as supplemented by the Company s Quarterly Report on Form 10-Q. The forward-looking statements in this presentation speak only as of the date of this presentation, and SunTrust does not undertake to update any forward-looking statement to reflect circumstances or events that occur after the statement is made. 0 1
3 Corporate Payment Solutions at SunTrust Traditional Treasury/Cash Management Services such as Online Information Reporting and Automated Clearing House services (ACH) like Direct Deposit of Payroll Commercial Card Services such as Corporate Card (travel and entertainment) and Purchasing Card (procurement) How clients use our products and services Automated Investments Zero Balance Account Cash Concentration Other Card Services such as Payroll Card and Gift Card (bulk sales) Merchant Services including debit and credit card processing Related Services Business Credit and Debit Cards Automated Investment Services Lockbox Merchant Services Remote Check Capture Online Reporting: Online Treasury Manager Online Cash Manager Online Courier Controlled Disbursement Corporate Card Purchasing Card Direct Deposit 140
4 Value of Corporate Payments to SunTrust Corporate Payments are used by businesses of all sizes and in all SunTrust Lines of Business: Corporate and Investment Banking (CIB) Commercial Banking Private Wealth Management (non-individual) Retail/Business Banking (business clients) Gross Account Analysis Revenues (Price x Volume) Total Sales of Corporate Payments 9% 23% 8% 12% 24% 24% 44% 56% Commercial Retail Private Wealth Mgt. CIB Percentage of first quarter 2006 Gross Account Analysis Revenues attributed to each LOB Percentage of first quarter 2006 Total Sales (including Commercial Card and Merchant) attributed to each LOB 141
5 Value of Corporate Payments to SunTrust The charts and table below illustrate, for each LOB, the proportion of deposit balances tied to Account Analysis and the noninterest income that is contributed by Treasury Management Services. Corporate Payments as % of LOB Deposits* Noninterest Income (NII)** Retail/Business Banking 14.7% 6.0% Commercial Banking 81.1% 36.2% Corporate and Investment Banking 47.3% 10.6% Private Wealth Management 27.7% 2.5% Total 26.3% 9.9% 100.0% Customer Deposits 100.0% Noninterest Income 90.0% 18.9% 90.0% 80.0% 70.0% 60.0% 50.0% 85.3% 52.7% 72.3% 73.7% 80.0% 70.0% 60.0% 50.0% 94.0% 63.8% 89.4% 97.5% 90.1% 40.0% 81.1% 40.0% 30.0% 20.0% 10.0% 0.0% 14.7% 47.3% 27.7% 26.3% RTL CML CIB PWM Total Analysis Balances Non-Analysis Balances *Deposits on Account Analysis as a percentage of Total Deposits by LOB for first quarter % 20.0% 10.0% 0.0% 6.0% 36.2% 10.6% 2.5% 9.9% RTL CML CIB PWM Total Payments NII Non-Payments NII **Corporate Payments NII as a percentage of Total NII for each LOB for first quarter
6 Sales and Financial Results Sales for Corporate Payments, including Commercial Card and Merchant Services, increased in 2005 vs 2004 by 27%; sales in 1Q 2006 are 29% higher than 1Q 2005 Service Charges on Deposit Accounts are impacted by revenue, balances and Earnings Credit Rate (ECR): Gross Account Analysis Revenue (Price x Volume) in 1Q 2006 increased 3.2% vs 4Q 2005 Average Analysis Deposit Balances in 1Q 2006 were up 0.7% vs 4Q 2005 SunTrust actively manages the ECR and the percentage of the ECR paid at specific balance tiers Total Performance from Other Fee-Based Services: Purchasing Card total volume was up 177% in 2005 over 2004; and up 80% 1Q 2006 vs 1Q 2005 Corporate Card was relatively flat with total performance increasing by 2% in 2005 vs 2004; however, 1Q 2006 represents an increase of 61% when compared to 1Q 2005 Merchant Services total performance realized a 13% growth rate in 2005 vs 2004 and a 1Q 2006 improvement of 27% versus 1Q
7 Leveraging the Viewpointe Investment SunTrust made an early commitment to check imaging and archiving. In March 2002, SunTrust took an ownership position in Viewpointe Archive Services and concurrently signed a long-term agreement to implement the company s check image archiving technology. Viewpointe currently is the largest provider of a check image archive, processing millions of items each month Of the approximately 9 million items processed through Viewpointe in March, SunTrust participated in the exchange of 7.9 million of those items SunTrust is the first bank to do Fed Send through Viewpointe for image exchange. This positions us to exchange images directly with the Fed for banks where we do not have a direct partnership SunTrust has started exchanging with 4 non-owner customers through Viewpointe. This capability permits access to financial institutions that are not currently users of the Viewpointe archive 144
8 Complete Product Set The focused product strategy has led to a quicker delivery of product solutions to the market. More than 40 enhancements to our products and services were introduced over the last 18 months. The complete product set now includes: Receivables Deposit Accounts Wholesale Lockbox Lockbox Image Services Retail Lockbox Remote Check Capture Cash Services Deposit Reconciliation ACH Services Wire Transfer Electronic Data Interchange Card Processing Pre-encoded Check Deposits Online epay Manager Image Cash Letter Payables Online Information and Control Cash Position Management Checking Accounts Controlled Disbursement Positive Pay Controlled Payment Reconciliation ACH Services ACH Fraud Control Wire Transfer Electronic Data Interchange Electronic Tax Service Account Reconciliation CD-ROM Image Services Corporate Card Purchasing Card Payroll Card Gift Card Fleet Card Information Reporting Electronic Report Delivery ACH Services Wire Transfer Account Transfers Stop Payments Online Image Services Online File Transfer Automated Report Delivery and Notification Previous Day and Same Day Information Transaction Initiation Automated Investment and Borrowing Zero Balance Account Sub Account Management Cash Concentration Service 145
9 Product Rankings The product growth as a result of executing on the product roadmap has led to increased market share and improved rankings The following chart highlights SunTrust s rank and market share as reported by Ernst & Young in their 2005 Cash Management Services Survey, Customized Ranking Report. Listed below are product categories where SunTrust ranks in the top ten. The study also highlights eight products with an improvement in market share compared to previous study results National Rank ACH Debit Transactions 3 ACH Credit Transactions 5 Corporate Pre-encoded Check Clearing 6 Information Reporting Internet Accessed Accounts 7 EDI Initiated Payments - Checks 8 Sweep - Total Customers 9 Information Reporting Total Accounts 9 Wholesale/Who-tail Lockbox - Total Remittances 10 Source: Ernst & Young 2005 Cash Management Services Survey, Customized Ranking Report for SunTrust Banks, Inc. 146
10 An Outside View of SunTrust Expertise NACHA ranks SunTrust as the 5 th largest ACH Originator and 7 th largest ACH Receiver in their most recent results based on 2005 transaction volumes Phoenix-Hecht* says: SunTrust s Cash Management specialists-our client support staff-received an A rating Quality ratings of A or A+ were received in 17 out of 18 product and service measures SunTrust received an average A rating across its products, overall perceptions of the bank, and its calling officers-the best in our footprint *2006 Phoenix-Hecht Upper Middle Market Monitor An independent research firm recognizes Online Cash Manager as the Best Practice example for Online Banking Enrollment in a recent web conference for Internet users Ernst & Young* reports: SunTrust ranks among the top ten providers in volume for services including ACH origination, Internet-accessed accounts, corporate sweep clients and pre-encoded check deposits SunTrust is the 9 th largest treasury management provider * Ernst & Young 2005 Ranking report An independent research firm released their 2005 Purchasing Card Benchmark Survey Report, and the results indicate that SunTrust consistently out-performed the industry in all satisfaction rating areas 147
11 Top Strategic Initiatives & Growth Opportunities To achieve our overall revenue growth, we must continue our investment in product enhancements/new products. The evolution of payments will continue to require innovative products and services Increase product penetration: Segmentation opportunities Cross-sell existing products to non-users and new products to existing users Leverage footprint and LOB strengths Recent product introductions provide out-of-footprint revenue opportunities Improve client experience to improve retention: Continue focus on being easy to do business with Improve internal processes for every client touch-point Leverage Opportunities to Enhance Revenue Growth 148
12 SunTrust Commercial Line of Business Gay O. Abbott Corporate Executive Vice President Commercial Line of Business SunTrust Corporate Payment Solutions David Fuller Senior Vice President Treasury Management Services Division Manager
SunTrust Retail Banking Line of Business. C. Eugene Kirby Corporate Executive Vice President Retail Line of Business
SunTrust Retail Banking Line of Business C. Eugene Kirby Corporate Executive Vice President Retail Line of Business The following should be read in conjunction with the financial statements, notes and
More informationWealth Management and Securities Services
U.S. Bancorp Investor Day Wealth Management and Securities Services Terry Dolan Vice Chairman September 12, 2013 # Forward-looking Statements and Additional Information The following information appears
More informationPositive 4 th quarter solidifies profitable 2010 for Old National
FOR IMMEDIATE RELEASE January 31, 2011 Contacts: Media: Kathy A. Schoettlin (812) 465-7269 Executive Vice President Communications Financial Community: Lynell J. Walton (812) 464-1366 Senior Vice President
More informationInvestor Presentation Acquisition of General Electric s Transportation Finance Business
Investor Presentation Acquisition of General Electric s Transportation Finance Business September 10, 2015 September 10, 2015 0 Forward Looking Statements & Non-GAAP Measures Caution Regarding Forward-Looking
More informationVIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES THIRD QUARTER FINANCIAL RESULTS
FOR IMMEDIATE RELEASE VIRGINIA NATIONAL BANKSHARES CORPORATION ANNOUNCES THIRD QUARTER FINANCIAL RESULTS Charlottesville, VA November 4, 2015 Virginia National Bankshares Corporation (OTCQX: VABK) (the
More informationA Sterling Combination KBW NY/NJ Bank Tour Investor Presentation. June 2013
A Sterling Combination KBW NY/NJ Bank Tour Investor Presentation June 2013 Forward Looking Statements The information presented herein contains forward looking statements within the meaning of the Private
More informationFirst Quarter 2007 Earnings Review. Conference Call
First Quarter 2007 Earnings Review Conference Call Certain comments made in the course of People's United Financial's review of its financial results are forward-looking in nature. These include all statements
More informationFrequently Asked Questions Q3 2006
Frequently Asked Questions Q3 2006 1. Were there any unusual or one-time items in your Q3 results? CIBC s reported diluted earnings per share (EPS) for the third quarter were $1.86. Our EPS was increased
More informationCOMMERCIAL AND SMALL BUSINESS PRODUCTS AND SERVICES COMMERCIAL AND SMALL BUSINESS DEPOSITS
COMMERCIAL AND SMALL BUSINESS PRODUCTS AND SERVICES COMMERCIAL AND SMALL BUSINESS DEPOSITS Money Market Checking Sweep Accounts A checking account for businesses that want to earn current money market
More informationPeople s United Financial, Inc. (Exact name of registrant as specified in its charter)
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event
More informationROYAL BANK OF CANADA TO ACQUIRE CITY NATIONAL CORPORATION CONFERENCE CALL THURSDAY, JANUARY 22, 2015
ROYAL BANK OF CANADA TO ACQUIRE CITY NATIONAL CORPORATION CONFERENCE CALL THURSDAY, JANUARY 22, 2015 DISCLAIMER THE FOLLOWING SPEAKERS NOTES, IN ADDITION TO THE WEBCAST AND THE ACCOMPANYING PRESENTATION
More informationColleen Johnston Group Head Finance & CFO TD Bank Financial Group. Citi Financial Services Conference
Colleen Johnston Group Head Finance & CFO TD Bank Financial Group Citi Financial Services Conference January 28, 2009 Caution regarding forward-looking statements From time to time, the Bank makes written
More informationThe Cornerstone Scorecard
Corporate Information Median 25th Percentile 75th Percentile Assets Non-interest expense Salaries and benefits as a % of non-interest expense # of branches Total employees (FTE) Assets per employee Return
More informationState Bank Financial Corporation Reports Fourth Quarter and Full Year 2015 Financial Results
Investor Relations Contact: Jeremy Lucas 404.239.8626 / jeremy.lucas@statebt.com Fourth Quarter 2015 Highlights State Bank Financial Corporation Reports Fourth Quarter and Full Year 2015 Financial Results
More informationFIRST CITIZENS COMMUNITY BANK 570-662-0422 15 S. MAIN STREET 570-662-8512 (FAX) MANSFIELD, PA 16933 CONTACT: KATHLEEN CAMPBELL, MARKETING DIRECTOR
CONTACT: KATHLEEN CAMPBELL, MARKETING DIRECTOR FIRST CITIZENS COMMUNITY BANK 570-662-0422 15 S. MAIN STREET 570-662-8512 (FAX) MANSFIELD, PA 16933 CITIZENS FINANCIAL SERVICES, INC. REPORTS FOURTH QUARTER
More informationROTCE 1 14% Net payout LTM 3,4 52% Overhead ratio 1 59% Common equity Tier 1 1,2 11.0% Firmwide Balance Sheet CCB
270 Park Avenue, New York, NY 10017-2070 NYSE symbol: JPM www.jpmorganchase.com News release: IMMEDIATE RELEASE JPMORGAN CHASE REPORTS SECOND-QUARTER 2015 NET INCOME OF $6.3 BILLION, OR $1.54 PER SHARE,
More informationConsumer and Small Business Banking
U.S. Bancorp Investor Day Consumer and Small Business Banking John Elmore, Vice Chairman Kent Stone, Vice Chairman September 12, 2013 # Forward-looking Statements and Additional Information The following
More informationStrategic Update. James P. Gorman, Chairman and Chief Executive Officer. January 20, 2015
Strategic Update James P. Gorman, Chairman and Chief Executive Officer January 20, 2015 Notice The information provided herein may include certain non-gaap financial measures. The reconciliation of such
More informationMidwest Investment Conference
NYSE MKT: EVBN www.evansbank.com Midwest Investment Conference June 22, 2016 David J. Nasca President & CEO John B. Connerton Senior Vice President & CFO Safe Harbor Statement This presentation includes
More informationPeople s United Financial, Inc.
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event
More informationMay 7, 2014. Dear Shareholder,
May 7, 2014 Dear Shareholder, CIB Marine Bancshares, Inc. (OTCQB: CIBH) is pleased to report its financial results for the quarter ended March 31, 2014. The consolidated company, CIB Marine, reported earnings
More informationTIFEL INANCIAL. 3rd Quarter 2009 Earnings Conference Call. November 9, 2009
TIFEL INANCIAL 3rd Quarter 2009 Earnings Conference Call November 9, 2009 Forward-Looking Statements This presentation may contain forward-looking statements within the meaning of the Private Securities
More informationPerformance Food Group Company Reports First-Quarter Fiscal 2016 Earnings
NEWS RELEASE For Immediate Release November 4, 2015 Investors: Michael D. Neese VP, Investor Relations (804) 287-8126 michael.neese@pfgc.com Media: Joe Vagi Manager, Corporate Communications (804) 484-7737
More informationdividends - Results From Q1, 2015
PRESS RELEASE For more information contact: Gerald Shencavitz EVP and Chief Financial Officer (207) 288-3314 FOR IMMEDIATE RELEASE Bar Harbor Bankshares Reports First Quarter Earnings BAR HARBOR, Maine
More informationMorgan Stanley Reports Full-Year and Fourth Quarter 2010:
Media Relations: Jeanmarie McFadden 212-761-2433 Investor Relations: Celeste Mellet Brown 212-761-3896 Morgan Stanley Reports Full-Year and Fourth Quarter 2010: Full-Year Net Revenues of $31.6 Billion
More informationPress Release FOR IMMEDIATE RELEASE
Press Release FOR IMMEDIATE RELEASE FIRST REPUBLIC REPORTS STRONG SECOND QUARTER RESULTS Achieves Record Loan Volume; Declares Initial Cash Dividend San Francisco, California, July 18, 2012 First Republic
More informationAPX GROUP HOLDINGS, INC. REPORTS FIRST QUARTER 2015 RESULTS
APX GROUP HOLDINGS, INC. REPORTS FIRST QUARTER 2015 RESULTS First Quarter 2015 Financial and Portfolio Highlights APX Group Reports Total Revenue of $149.9 Million, up 14.9% Year over Year Adjusted EBITDA
More informationMorgan Stanley Reports First Quarter 2015:
Media Relations: Michele Davis 212-761-9621 Investor Relations: Kathleen McCabe 212-761-4469 Morgan Stanley Reports First Quarter 2015: Net Revenues of $9.9 Billion and Earnings per Diluted Share from
More informationPress Release FOR IMMEDIATE RELEASE
Press Release FOR IMMEDIATE RELEASE FIRST REPUBLIC BANK REPORTS STRONG FIRST QUARTER RESULTS Record First Quarter Loan Volume Will Initiate Cash Dividend in Second Half of 2012 San Francisco, California,
More informationTD Bank Group Provides Supplementary Disclosures Related to Fiscal 2011 IFRS Results and Segment Change
TD Bank Group Provides Supplementary Disclosures Related to Fiscal IFRS Results and Segment Change TORONTO (January 26, 202) TD Bank Group (TD or the Bank) (TSX and NYSE: TD) today released a supplemental
More information2015 Fourth Quarter Earnings. January 28, 2016
2015 Fourth Quarter Earnings January 28, 2016 Safe Harbor Statement Forward-Looking Statements Information in this presentation contains forward-looking statements. Any statements about our expectations,
More informationSunTrust and National Commerce Financial Integration Update
SunTrust and National Commerce Financial Integration Update The information provided herein contains forward looking statements. Statements that are not historical facts, including statements about SunTrust's
More informationContact: Charity Frantz October 13, 2015 570-724-0225 charityf@cnbankpa.com
Contact: Charity Frantz October 13, 2015 570-724-0225 charityf@cnbankpa.com C&N ANNOUNCES THIRD QUARTER 2015 UNAUDITED FINANCIAL RESULTS FOR IMMEDIATE RELEASE: Wellsboro, PA Citizens & Northern Corporation
More informationCATAMARAN CORPORATION ANNOUNCES RECORD FINANCIAL RESULTS FOR 2014 CATAMARAN TO ACQUIRE HEALTHCARE SOLUTIONS, INC.
CATAMARAN CORPORATION ANNOUNCES RECORD FINANCIAL RESULTS FOR 2014 CATAMARAN TO ACQUIRE HEALTHCARE SOLUTIONS, INC. Schaumburg, Illinois, February 26, 2015 - Catamaran Corporation ( Catamaran or the Company
More informationSunTrust Banks, Inc. 1Q 2012 Earnings Presentation. April 23, 2012
SunTrust Banks, Inc. 1Q 2012 Earnings Presentation April 23, 2012 Important Cautionary Statement The following should be read in conjunction with the financial statements, notes and other information contained
More informationU.S. Bancorp Investor Day. Payment Services. Pamela Joseph Vice Chairman. September 12, 2013
U.S. Bancorp Investor Day Payment Services Pamela Joseph Vice Chairman September 12, 2013 # Forward-looking Statements and Additional Information The following information appears in accordance with the
More informationVeritiv Corporation 2Q14 Financial Results. August 13, 2014
Veritiv Corporation 2Q14 Financial Results August 13, 2014 Safe Harbor Provision Certain statements contained in this presentation regarding Veritiv Corporation s (the Company ) future operating results,
More informationUNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K Current report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event
More informationEnterprise Revenue Focus
U.S. Bancorp Investor Day Enterprise Revenue Focus Mac McCullough EVP and Chief Strategy Officer September 12, 2013 # Forward-looking Statements and Additional Information The following information appears
More informationCITI REPORTS FIRST QUARTER INCOME OF $5.01 BILLION, EPS OF $1.01 RECORD REVENUES OF $25.5 BILLION, UP 15% INTERNATIONAL REVENUES UP 18%
CITI REPORTS FIRST QUARTER INCOME OF $5.01 BILLION, EPS OF $1.01 RECORD REVENUES OF $25.5 BILLION, UP 15% INTERNATIONAL REVENUES UP 18% RECORD REVENUES AND NET INCOME IN MARKETS & BANKING AND WEALTH MANAGEMENT
More informationFIRST REPUBLIC REPORTS STRONG QUARTERLY EARNINGS Wealth Management Assets up 8.6% for the Quarter; Cash Dividend Increased
PRESS RELEASE IMMEDIATE RELEASE FIRST REPUBLIC REPORTS STRONG QUARTERLY EARNINGS Wealth Management Assets up 8.6% for the Quarter; Cash Dividend Increased San Francisco, California, April 16, 2014 First
More informationGXS Company Presentation
GXS Company Presentation Barclays 2010 High Yield Bond and Syndicated Loan Conference March 25 th, 2010 Bob Segert, President & CEO Forward Looking Statements CERTAIN FORWARD-LOOKING STATEMENTS: The information
More informationPress release. National Bank releases its results for the second quarter of 2009. the SECOND quarter of 2009 (1) :
Press release SECOND quarter 2009 National Bank releases its results for the second quarter of 2009 The financial information in this press release is based on the unaudited interim consolidated financial
More informationCash Management. Solutions That Fit
TREASURY SERVICES Cash Management Solutions That Fit TABLE OF CONTENTS The Role of Cash Management Business Cash Cycle...3 Progressive Plan Phase I Information Management & Transaction Control...4 Zero
More informationPRESS RELEASE Contact: Richard P. Smith For Immediate Release President & CEO (530) 898-0300 TRICO BANCSHARES ANNOUNCES QUARTERLY RESULTS
PRESS RELEASE Contact: Richard P. Smith For Immediate Release President & CEO (530) 898-0300 TRICO BANCSHARES ANNOUNCES QUARTERLY RESULTS CHICO, Calif. (April 28, 2016) TriCo Bancshares (NASDAQ: TCBK)
More informationCIBC Grows Asset Management Business with Investment in American Century Investments. July 15, 2011
CIBC Grows Asset Management Business with Investment in American Century Investments July 15, 2011 A Note about Forward-Looking Statements From time to time, we make written or oral forward-looking statements
More informationMorgan Stanley Reports Third Quarter 2015:
Media Relations: Michele Davis 212-761-9621 Investor Relations: Kathleen McCabe 212-761-4469 Morgan Stanley Reports Third Quarter 2015: Net Revenues of $7.8 Billion and Earnings per Diluted Share of $0.48
More informationGLOBAL WEALTH & INSURANCE. September 25, 2013
GLOBAL WEALTH & INSURANCE September 25, 2013 Global Wealth & Insurance Investor Day September 2013 Introduction Peter Slan Senior Vice President Investor Relations Scotiabank Investor Day Series Global
More informationPULASKI FINANCIAL S SECOND FISCAL QUARTER EPS MORE THAN TRIPLES
PULASKI FINANCIAL S SECOND FISCAL QUARTER EPS MORE THAN TRIPLES Current Versus Prior Year Quarter Highlights Earnings growth - Diluted EPS $0.29 in 2013 versus $0.08 in 2012 - Annualized return on average
More informationMorgan Stanley - Current Net Income and Statements of Performance
Media Relations: Michele Davis 212-761-9621 Investor Relations: Kathleen McCabe 212-761-4469 Morgan Stanley Reports Second Quarter 2015: Net Revenues of $9.7 Billion and Earnings per Diluted Share of $0.85
More informationBurlington Stores, Inc. Announces Operating Results for the Fourth Quarter and Fiscal Year Ended February 1, 2014
FOR IMMEDIATE RELEASE Burlington Stores, Inc. Announces Operating Results for the Fourth Quarter and Fiscal Year Ended February 1, 2014 Comparable store sales increased 4.0% and 4.7%, for the fourth quarter
More informationQuarterly Financial Supplement - 1Q 2016
Quarterly Financial Supplement - 1Q 2016 Page # Consolidated Financial Summary... 1 Consolidated Income Statement Information... 2 Consolidated Financial Information and Statistical Data... 3 Consolidated
More informationPress Release FOR IMMEDIATE RELEASE
Press Release FOR IMMEDIATE RELEASE FIRST REPUBLIC REPORTS STRONG FIRST QUARTER RESULTS San Francisco, California, April 20, 2011 First Republic Bank ( First Republic ) (NYSE: FRC) today announced financial
More informationMitel Q3 2015 Earnings Call Presentation. November 5, 2015
Mitel Q3 2015 Earnings Call Presentation November 5, 2015 Safe Harbor Statement Forward Looking Statements This presentation contains projections and other forward-looking statements regarding future events
More informationFIRST REPUBLIC REPORTS STRONG QUARTERLY RESULTS For the Quarter, Loans Increased 6%, Deposits 11% and Wealth Management Assets 5%
Press Release FOR IMMEDIATE RELEASE FIRST REPUBLIC REPORTS STRONG QUARTERLY RESULTS For the Quarter, Loans Increased 6%, Deposits 11% and Wealth Management Assets 5% San Francisco, California, October
More informationFINANCIAL REVIEW AND REPORTS Comerica Incorporated and Subsidiaries Financial Results and Key Corporate Initiatives
FINANCIAL REVIEW AND REPORTS Financial Results and Key Corporate Initiatives ************************************************ 23 Overview/Earnings Performance *************************************************************
More informationRAYMOND JAMES FINANCIAL REPORTS THIRD QUARTER FISCAL 2016 RESULTS
July 20, FOR IMMEDIATE RELEASE Media Contact: Steve Hollister, 727.567.2824 Investor Contact: Paul Shoukry, 727.567.5133 raymondjames.com/media RAYMOND JAMES FINANCIAL REPORTS THIRD QUARTER FISCAL RESULTS
More informationOn a comparable calendar basis, same-restaurant sales increased 2.6% for the quarter (13-weeks ended May 29, 2016 vs. 13-weeks ended May 31, 2015)
Contacts: (Analysts) Kevin Kalicak (407) 245-5870 (Media) Rich Jeffers (407) 245-4189 DARDEN RESTAURANTS REPORTS FISCAL 2016 FOURTH QUARTER AND FULL YEAR RESULTS; REPORTS POSITIVE SAME-RESTAURANT SALES
More informationHealthcare Banking 101. Donald Kohlhafer Senior Client Manager Bank of America Merrill Lynch December 4, 2014
Healthcare Banking 101 Donald Kohlhafer Senior Client Manager Bank of America Merrill Lynch December 4, 2014 Treasury Management Revenue Cycle Management Liquidity Management and Funds Investment Disbursement
More information1 st QUARTER 2015 EARNINGS RESULTS Fran Shammo Chief Financial Officer
VlpHU09DSUQyMDE1UTE= VlpHU09DSUQyMDE1UTE= 1 st QUARTER 2015 EARNINGS RESULTS Fran Shammo Chief Financial Officer April 21, 2015 Safe Harbor Statement NOTE: In this presentation we have made forward-looking
More informationMorgan Stanley Reports Fourth Quarter and Full Year 2015:
Media Relations: Michele Davis 212-761-9621 Investor Relations: Kathleen McCabe 212-761-4469 Morgan Stanley Reports Fourth Quarter and Full Year 2015: Fourth Quarter Net Revenues of $7.7 Billion and Earnings
More informationFinancial Outlook* Michael Bell Executive Vice President and Chief Financial Officer CIGNA Corporation
Financial Outlook* Michael Bell Executive Vice President and Chief Financial Officer CIGNA Corporation *Information presented as of November 21, 2008 Agenda 2008 & 2009 Financial Outlook Critical Success
More informationFY15 Supplemental Information January 5, 2016
FY15 Supplemental Information January 5, 2016 Safe Harbor This document contains certain forward-looking statements. These statements are based on the company s current expectations as to the outcome and
More informationPerformance Food Group Company Reports Second-Quarter and First-Half Fiscal 2016 Results; Reaffirms Full-Year Fiscal 2016 Adjusted EBITDA Outlook
NEWS RELEASE For Immediate Release February 3, 2016 Investors: Michael D. Neese VP, Investor Relations (804) 287-8126 michael.neese@pfgc.com Media: Joe Vagi Manager, Corporate Communications (804) 484-7737
More informationThomas A. Bessant, Jr. (817) 335-1100
Additional Information: Thomas A. Bessant, Jr. (817) 335-1100 For Immediate Release ********************************************************************************** CASH AMERICA FIRST QUARTER NET INCOME
More informationAlly Financial Inc. Auto Securitization - Corporate Overview
Ally Financial Inc. Auto Securitization - Corporate Overview 3Q 2015 Contact Ally Investor Relations at (866) 710-4623 or investor.relations@ally.com Forward-Looking Statements and Additional Information
More informationCredit Suisse 2015 Financials Conference
Credit Suisse 2015 Financials Conference Gregory J. Fleming President of Morgan Stanley Wealth Management and Morgan Stanley Investment Management February 10, 2015 Notice The information provided herein
More informationChallenging quarter for Mobile Devices. Daily order rates improving. Free Cash Flow > Net Income. FCT acquisition. Page 3
August 7, 2013 Page 1 Statements in this release that are not historical are forward-looking and are subject to various risks and uncertainties that could cause actual results to vary materially from those
More informationSecond Quarter 2015 Investor Conference Call
Second Quarter 2015 Investor Conference Call August 20, 2015 December 13, 2012 DRAFT 5 Safe Harbor Basis of Presentation Unless otherwise noted or unless the context otherwise requires, all references
More informationTurning Receivables Operations Green. Best Practices. Commercial Banking
Turning Receivables Operations Green Best Practices Commercial Banking In a recent survey*, 79% of financial executives say shifting to a completely green treasury operation should result in increased
More informationBALANCE SHEET HIGHLIGHTS
Home Capital Reports Q1 Earnings: Diluted Earnings per Share of $0.92; adjusted diluted earnings per share of $0.96 Dividend of $0.24 per common share. Toronto, May 4, 2016 - Home Capital today reported
More informationDriving Shareholder Value
Driving Shareholder Value Business Model and Capital Allocation Strategy Wolfgang Nickl CFO, Western Digital September 13, 2012 SAFE HARBOR Forward-Looking Statements This presentation contains forward-looking
More informationEMERSON AND SUBSIDIARIES CONSOLIDATED OPERATING RESULTS (AMOUNTS IN MILLIONS EXCEPT PER SHARE, UNAUDITED)
CONSOLIDATED OPERATING RESULTS (AMOUNTS IN MILLIONS EXCEPT PER SHARE, UNAUDITED) TABLE 1 Quarter Ended March 31, Percent Change Net Sales $ 5,854 $ 5,919 1% Costs and expenses: Cost of sales 3,548 3,583
More informationAPX GROUP HOLDINGS, INC. REPORTS FIRST QUARTER 2014 FINANCIAL RESULTS
APX GROUP HOLDINGS, INC. REPORTS FIRST QUARTER 2014 FINANCIAL RESULTS 1st Quarter Financial Highlights Total revenues of $130.2 million for the first quarter 2014, an increase of 21.8%, compared to $106.9
More informationBrookfield financial Review q2 2010
Brookfield financial Review q2 2010 Overview Operating cash flow and gains totalled $327 million in the second quarter or $0.53 per share compared to $294 million in the prior year. This brings operating
More informationPress Release FOR IMMEDIATE RELEASE
Press Release FOR IMMEDIATE RELEASE FIRST REPUBLIC BANK REPORTS SOLID FOURTH QUARTER RESULTS San Francisco, California, January 27, 2011 First Republic Bank ( First Republic ) (NYSE:FRC) today announced
More informationCOMERICA BANK Technology & Life Sciences Division
COMERICA BANK Technology & Life Sciences Division Comerica Bank Overview Founded in 1849, Headquartered in Dallas, TX Publicly traded on NYSE: CMA $59.3 billion in total assets as of December 31, 2009
More informationCitizens Financial Group, Inc. Reports First Quarter Net Income of $223 Million Diluted EPS of $0.41 up 8% vs. 1Q15
Reports First Quarter Net Income of $223 Million Diluted EPS of $0.41 up 8% vs. 1Q15 Positive operating leverage of 3% on a year-over-year Adjusted basis* Good traction continues on strategic growth and
More informationMORGAN STANLEY Financial Supplement - 4Q 2015 Table of Contents
Page # MORGAN STANLEY Financial Supplement - 4Q 2015 Table of Contents 1. Quarterly Consolidated Financial Summary 2. Quarterly Consolidated Income Statement Information 3. Quarterly Consolidated Financial
More informationThe first quarter was highlighted by:
Mercantile Bank Corporation Reports Strong First Quarter 2013 Results Diluted earnings per share increased 79 percent Continued asset quality improvement and outlook remains positive GRAND RAPIDS, Mich.,
More informationONEBEACON REPORTS $11.13 BOOK VALUE PER SHARE
NEWS RELEASE For Immediate Release Investor Relations Media Contact: Paul McDonough Carmen Duarte Phone: 952.852.6020 781.332.7268 Email: ir@onebeacon.com cduarte@onebeacon.com Website: www.onebeacon.com
More informationThomas A. Bessant, Jr. (817) 335-1100
Additional Information: Thomas A. Bessant, Jr. (817) 335-1100 For Immediate Release ********************************************************************************** CASH AMERICA FIRST QUARTER NET INCOME
More informationThe Hartford Financial Services Group, Inc. Business Profile March 31, 2006
The Hartford Financial Services Group, Inc. Business Profile March 31, 2006 Safe Harbor Statement Certain statements made in this presentation should be considered forwardlooking statements as defined
More informationELECTRONIC PAYMENT PROCESSING NEW TOOLS AND TECHNOLOGY
ELECTRONIC PAYMENT PROCESSING NEW TOOLS AND TECHNOLOGY Matt Fluegge Dean Middleton Dan Sollis National Acct. Executive President, UTA Executive VP TODAY, YOU WILL LEARN ABOUT: ACH GATEWAY CREDIT CARD GATEWAY
More informationApril 25, 2016 (573) 778-1800
FOR IMMEDIATE RELEASE Contact: Matt Funke, CFO April 25, 2016 (573) 778-1800 SOUTHERN MISSOURI BANCORP REPORTS PRELIMINARY THIRD QUARTER RESULTS, DECLARES QUARTERLY DIVIDEND OF $0.09 PER COMMON SHARE,
More informationBOSTON PRIVATE FINANCIAL HOLDINGS:
BOSTON PRIVATE FINANCIAL HOLDINGS: A National Wealth Management Franchise Timothy L. Vaill Chairman & CEO Walter M. Pressey Vice Chairman & President David J. Kaye Chief Financial Officer June 2010 Forward
More informationCUSTOMERS BANCORP REPORTS RECORD NET INCOME FOR FULL YEAR AND FOURTH QUARTER 2015
Customers Bancorp 1015 Penn Avenue Wyomissing, PA 19610 Contacts: Jay Sidhu, Chairman & CEO 610-935-8693 Richard Ehst, President & COO 610-917-3263 Investor Contact: Robert Wahlman, CFO 610-743-8074 CUSTOMERS
More informationBLADEX REPORTS FULL YEAR NET INCOME OF $55.1 MILLION; $1.51 PER SHARE.
BLADEX REPORTS FULL YEAR NET INCOME OF $55.1 MILLION; $1.51 PER SHARE. ACCOUNTING CLASSIFICATION OF CERTAIN SECURITIES FINANCING (REPOS) AS SALES RESULTS IN FOURTH QUARTER LOSS OF $4.3 MILLION; ACCOUNTING
More information4 th Quarter 2011 Earnings Results
4 th Quarter 2011 Earnings Results Fran Shammo Chief Financial Officer January 24, 2012 Safe Harbor Statement NOTE: This presentation contains statements about expected future events and financial results
More informationDevelopment of the Client-Focused, Capital-Efficient Business Model
Development of the Client-Focused, Capital-Efficient Business Model David Mathers, Chief Operating Officer, Investment Bank at the Goldman Sachs European Financials Conference, Madrid, June 10, 2010 Cautionary
More informationFOR IMMEDIATE RELEASE November 7, 2013 MEDIA CONTACT: Lisa Gagnon 703-903-3385 INVESTOR CONTACT: Robin Phillips 571-382-4732
FOR IMMEDIATE RELEASE MEDIA CONTACT: Lisa Gagnon 703-903-3385 INVESTOR CONTACT: Robin Phillips 571-382-4732 FREDDIE MAC REPORTS PRE-TAX INCOME OF $6.5 BILLION FOR THIRD QUARTER 2013 Release of Valuation
More informationWhat Small Business Wants from Banking & Payments. Paul McAdam, SVP, Research & Thought Leadership Gail Angel, SVP, Commercial Treasury Services
What Small Business Wants from Banking & Payments Paul McAdam, SVP, Research & Thought Leadership Gail Angel, SVP, Commercial Treasury Services What Small Business Wants from Banking & Payments Research
More informationChapter 40 - E-Commerce: Electronic Acceptance and Disbursement of State Funds/Benefits
Chapter 40 - : Electronic Acceptance and Disbursement of State Funds/Benefits 40.10 General Provisions 40.10.10 Policies in this chapter are minimum standards July 1, 2010 40.10.20 Authority for these
More informationRE/MAX HOLDINGS REPORTS THIRD QUARTER 2013 RESULTS Increased Agent Count 4% Grew Revenue 5% and Adjusted EBITDA 13% Completed IPO in October 2013
RE/MAX HOLDINGS REPORTS THIRD QUARTER 2013 RESULTS Increased Agent Count 4% Grew Revenue 5% and Adjusted EBITDA 13% Completed IPO in October 2013 Denver, Colorado, November 13, 2013. RE/MAX Holdings, Inc.
More informationUNIVERSITY BANCORP 2Q2015 PROFIT $2,184,026, $0.427 PER SHARE
For Immediate Release Contact: Stephen Lange Ranzini, President and CEO Phone: 734-741-5858, Ext. 9226 Email: ranzini@university-bank.com UNIVERSITY BANCORP 2Q2015 PROFIT $2,184,026, $0.427 PER SHARE Ann
More informationLife & Protection. Scott Ham CEO. John Hunter COO. Analyst & Investor Conference
Life & Protection Scott Ham CEO John Hunter COO Analyst & Investor Conference New York City, December 2010 Key messages Grow profitable new sales Leverage expertise to increase recruiting and expand existing
More informationBusiness and Financial Highlights Nine Months Ended December 31, 2014. Shinsei Bank, Limited January 2015
Business and Financial Highlights Nine Months Ended December 31, 214 Shinsei Bank, Limited January 215 Table of Contents Q3 FY214 Results: Key Points ------------------------------------------ Q3 FY214
More informationITW Conference Call Third Quarter 2013
ITW Conference Call Third Quarter 2013 October 22, 2013 SOLID GROWTH. STRONG RETURNS. BEST-IN-CLASS OPERATOR. Forward-Looking Statements Safe Harbor Statement This conference call contains forward-looking
More informationBank of America Merrill Lynch
Bank of America Merrill Lynch Media, Communications & Entertainment Conference Karen Puckett: EVP & Chief Operating Officer 09.15.2011 1 Forward-Looking Statements Certain non-historical statements made
More information