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Search the NMLS Registry. Services provided by the following affiliates of Truist Financial Corporation: Banking products and services, including loans and. Premier Financial Search (PFS) is a leading national executive recruiting and staffing services firm with a focus solely on the accounting industry. See what employees say it's like to work at Premier Financial Search. Salaries, reviews, and more - all posted by employees working at Premier Financial Search.

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The Weekly (Tax)Buzz - November 17, 2021

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Wednesday, November 17, 2021

The (Tax)Buzz this week: SALT tax deductions, the EV tax, the Child Tax Credit, a tax cheat case and more. ...

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Tuesday, November 16, 2021

Does your employer offer a 401k plan as a benefit? It’s one of the most popular perks a company can provide, and there's a good reason for that. 401k plans offer triple savings on taxes and one of the best savings strategies around. Retirement may seem like it’s a long way off, and you may be tempted to stash your cash in a more accessible account. This article will explain the basics of 401k savings, and why you should not think twice about signing up....

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Fill out our fast, easy online application and Premier Financing will automatically find the best financing for you based on the information provided.

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MARIETTA, Ohio, and HUNTINGTON, W.Va., March 29, 2021 /PRNewswire/ -- Peoples Bancorp Inc. ("Peoples") (NASDAQ: PEBO) and Premier Financial Bancorp, Inc. ("Premier") (NASDAQ: PFBI), jointly announced today the signing of a definitive agreement and plan of merger ("Merger Agreement") pursuant to which Peoples will acquire, in an all-stock merger, Premier, a bank holding company headquartered in Huntington, West Virginia, and the parent company of Premier Bank, Inc. ("Premier Bank") and Citizens Deposit Bank & Trust, Inc. ("Citizens"). Under the terms of the Merger Agreement, Premier will merge with and into Peoples (the "Merger"), and Premier Bank and Citizens will subsequently merge with and into Peoples' wholly owned subsidiary, Peoples Bank, in a transaction valued at approximately $292.3 million.

Upon completion of the Merger, the combined company will have approximately $6.7 billion in total assets, $4.6 billion in total loans and $5.5 billion in total deposits with 136 locations in Ohio, West Virginia, Kentucky, Maryland, Virginia and Washington, D.C.

Premier, through its two community bank subsidiaries, operates 48 branches in thirty-eight communities spanning across five-states, plus Washington D.C. As of December 31, 2020, Premier had, on a consolidated basis, $1.9 billion in total assets, which included $1.2 billion in total net loans, and $1.6 billion in total deposits.

"We are excited about our partnership with Premier and the addition of significant scale to enhance our ability to drive future growth and improved profitability. Premier's strong core franchise provides a natural extension of our existing markets, as well as entry into attractive markets within Virginia, Maryland and Washington, D.C." said Chuck Sulerzyski, President and Chief Executive Officer of Peoples. "Over the years, we have successfully expanded our West Virginia and Kentucky footprint. We are proud to have been recognized in 2020 as the number one bank in West Virginia as part of Forbes' annual list of America's Best-In-State Banks and Credit Unions. We also were voted as The Best in the Tri-State by readers of the Herald Dispatch (Huntington, WV). We look forward to welcoming Premier shareholders, employees and customers to become part of our team, and we are ecstatic to offer additional locations to new and existing Peoples Bank clients."

Bob Walker, President and Chief Executive Officer of Premier commented, "We are excited to have the opportunity to join forces with one of the strongest banks in the region. Our customers, employees and shareholders will benefit from Peoples' history of profitable growth and expertise in successfully executing acquisitions. We are also excited about Peoples' expansive suite of products, which will provide us the ability to deliver new products and services, including insurance and investment products, to our valued customers in the communities we serve. Peoples' community banking model, culture and commitment to high-quality customer service makes Peoples' an excellent choice for Premier."

According to the terms of the Merger Agreement, which has been unanimously approved by the Boards of Directors of both companies, shareholders of Premier will receive 0.58 shares of Peoples common stock for each share of Premier common stock, and the Merger is expected to qualify as a tax-free reorganization for Premier shareholders. Based on Peoples' 20-day volume weighted average closing price of $33.95 per share as of March 26, 2021, the aggregate deal value is approximately $292.3 million, or $19.69 per share. The transaction is expected to be immediately accretive to Peoples' estimated earnings before one-time costs, with a tangible book value earn back of approximately 2.6 years, and an internal rate of return in excess of 20%.

The acquisition is expected to close during the third quarter of 2021, subject to the satisfaction of customary closing conditions, including regulatory approvals and the approval of the shareholders of Peoples and Premier. At that time, Premier's offices will become branches of Peoples Bank.

Peoples was advised by Raymond James & Associates, Inc. and the law firm of Dinsmore & Shohl LLP. Premier was advised by Piper Sandler Companies and the law firm of Jackson Kelly PLLC.

Conference Call

Also today, Peoples announced that it intends to conduct a facilitated conference call with analysts, media and other individual investors at 11:00 a.m. Eastern Time on March 29, 2021. The conference call will consist of prepared commentary from Mr. Sulerzyski and Katie Bailey, Chief Financial Officer and Treasurer, regarding the planned acquisition followed by a question and answer period. The dial-in number for this call will be 866-890-9285. A simultaneous webcast of the conference call audio (listen-only mode) and archived replay will be accessible online via the "Investor Relations" section of Peoples' website. The audio replay will be available for one year. Individuals wishing to participate in the live conference call are encouraged to call or sign in at least 15 minutes prior to the scheduled start time.

Important Information for Investors and Shareholders:
This news release does not constitute an offer to sell or the solicitation of an offer to buy securities of Peoples. Peoples will file a registration statement on Form S-4 and other documents regarding the proposed transaction referenced in this news release with the Securities and Exchange Commission ("SEC") to register the shares of Peoples common stock to be issued to the shareholders of Premier. The registration statement will include a joint proxy statement/prospectus, which will be sent to the shareholders of both Peoples and Premier in advance of their respective special meetings of shareholders to be held to consider the proposed merger. Investors and security holders are urged to read the proxy statement/prospectus and any other relevant documents to be filed with the SEC in connection with the proposed transaction because they contain important information about Peoples, Premier and the proposed transaction. Investors and security holders may obtain a free copy of these documents (when available) through the website maintained by the SEC at www.sec.gov. These documents may also be obtained, without charge, by directing a request to Peoples Bancorp Inc., 138 Putnam Street, P.O. Box 738, Marietta, Ohio 45750, Attn.: Investor Relations.

Peoples and Premier and certain of their directors and executive officers may be deemed to be participants in the solicitation of proxies from the shareholders of Premier in connection with the proposed merger. Information about the directors and executive officers of Peoples is set forth in the proxy statement for Peoples' 2021 annual meeting of shareholders, as filed with the SEC on Schedule 14A on March 9, 2021. Information about the directors and executive officers of Premier will be set forth in the proxy statement for Premier's 2021 annual meeting of shareholders, which will be filed with the SEC on a Schedule 14A during the second quarter of 2021. Additional information regarding the interests of those participants and other persons who may be deemed participants in the transaction may be obtained by reading the joint proxy statement/prospectus regarding the proposed merger when it becomes available. Free copies of this document may be obtained as described in the preceding paragraph.

About Peoples Bancorp Inc.:
Peoples is a diversified financial services holding company and makes available a complete line of banking, trust and investment, insurance and premium financing solutions through its subsidiaries. Headquartered in Marietta, Ohio, since 1902, Peoples has established a heritage of financial stability, growth and community impact. Peoples had $4.8 billion in total assets as of December 31, 2020, and 88 locations, including 76 full-service bank branches in Ohio, Kentucky and West Virginia. Peoples is a member of the Russell 3000 index of U.S. publicly-traded companies. Learn more about Peoples at www.peoplesbancorp.com.

About Premier Financial Bancorp, Inc.:
Premier is a financial services holding company headquartered in Huntington, West Virginia. It operates two community bank subsidiaries, Premier Bank, Inc. and Citizens Deposit Bank and Trust, Inc. As of December 31, 2020, Premier had $1.9 billion in total consolidated assets. Premier operates in thirty-eight communities within the states of West Virginia, Virginia, Ohio, Maryland and Kentucky plus the cities of Washington, DC and Richmond, Virginia, to provide their customers with a full range of banking services.

Safe Harbor Statement:
Statements made in this news release that are not historical facts are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, Section 21E of the Securities Exchange Act of 1934, as amended, and the Private Securities Litigation Reform Act of 1995. These statements are subject to certain risks and uncertainties including, but not limited to, the successful completion and integration of the transaction contemplated in this release, which includes the retention of the acquired customer relationships, adverse changes in economic conditions, the impact of competitive products and pricing and the other risks set forth in the Company's filings with the SEC. As a result, actual results may differ materially from the forward-looking statements in this news release. These factors are not necessarily all of the factors that could cause Peoples or the combined company's actual results, performance, or achievements to differ materially from those expressed in or implied by any of the forward-looking statements. Other unknown or unpredictable factors also could harm Peoples or the combined company's results

Peoples encourages readers of this news release to understand forward-looking statements to be strategic objectives rather than absolute targets of future performance. The Company undertakes no obligation to update these forward-looking statements to reflect events or circumstances after the date of this news release or to reflect the occurrence of unanticipated events, except as required by applicable legal requirements. If Peoples updates one or more forward-looking statements, no inference should be drawn that Peoples will make additional updates with respect to those or other forward-looking statements. Copies of documents filed with the SEC are available free of charge at the SEC's website at http://www.sec.gov and/or from Peoples' website.

Cision

View original content:http://www.prnewswire.com/news-releases/peoples-bancorp-inc-and-premier-financial-bancorp-inc-announce-definitive-merger-agreement-301257223.html

SOURCE Peoples Bancorp Inc.

Источник: https://www.yahoo.com/now/peoples-bancorp-inc-premier-financial-110000119.html

Peoples Set to Acquire Premier Financial Bancorp for $292M

Ohio-based Peoples Bancorp is to acquire Premier Financial Bancorp in a deal worth more than $292 million.

The two companies announced on March 29 that they had signed a definitive agreement for Peoples to acquire Premier in its entirety.

Following completion of the deal – expected in the third quarter of 2021 – the combined company would have approximately $6.7 billion in assets, a $4.6 billion loan book and $5.5 billion in total deposits.

Premier has two community bank subsidiaries, Premier Bank and Citizens Deposit Bank & Trust, both of which will merge into Peoples Bank as part of the transaction.

The deal will add 48 branches to Peoples’ network across Kentucky, Maryland, Ohio, Virginia, and West Virginia, as well as Washington DC.

Chuck Sulerzyski, Peoples Bancorp CEO and president, said the acquisition would add “significant scale to enhance our ability to drive future growth and improved profitability”.

“Premier’s strong core franchise provides a natural extension of our existing markets, as well as entry into attractive markets within Virginia, Maryland and Washington DC,” he added.

Premier CEO and president Bob Walker said: “Our customers, employees and shareholders will benefit from Peoples’ history of profitable growth and expertise in successfully executing acquisitions.

“We are also excited about Peoples’ expansive suite of products, which will provide us the ability to deliver new products and services, including insurance and investment products, to our valued customers in the communities we serve.”

The acquisition is subject to regulatory and shareholder approvals.

Elsewhere, Louisiana-based Investar Bank’s holding company has received regulatory and shareholder approvals for its planned acquisition of Cheaha Financial Group, owner of Cheaha Bank in Alabama.

The deal was announced in January, and will add $126 million in loans and $202 million in deposits to Investar’s balance sheet, as well as four branches across Calhoun County, Alabama.

The deal is expected to close on April 1.

Источник: https://www.bankingexchange.com/news-feed/item/8630-peoples-set-to-acquire-premier-financial-bancorp-for-292m

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Arrow Search Partners is an executive recruiting firm specializing in placements across a range of industries. Our senior leadership has over 30 years of combined recruitment experience and our goal is to continually position our clients and candidates for success.

As a boutique search firm, we make sure every touch point is personalized. We’re always good for a cup of coffee or lunch at your favorite spot. We want to invest our time in you, so you feel good about investing your time with Arrow.

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We’re more than just a search firm. And you’re more than just a future partner.

At Arrow, we understand that every client and candidate is unique. That’s why our top priority is to get to know you and your specific goals. To do this, we stick to our four core values:

· Accuracy

At Arrow, every career move is guided with precision. We thoughtfully match the right talent with the right opportunity so that every placement is on target.

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Integrity is at the center of what we do. We set realistic expectations and stay true to who we are-what you see is always what you get.

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When partnering with us, you’ll appreciate our candid approach and go-getter attitude.

At Arrow, we’re here to advocate for you and point your career in the right direction. For us, it’s not just about matching your skillset with the best opportunity. It’s about finding a position that feels like home.

To help you make your next career move, we want nothing but real conversations so that we can get to know you and your goals. From after-hours emails to grabbing coffee between meetings, we’re committed to finding the best opportunity, together.

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The culture at Arrow sets us apart.

At Arrow, we invest in our people. We care about their careers, but more importantly their happiness and well-being. We’re a team. And we’re here to help each other grow and succeed. Whether it’s learning from each other’s differences or building on each other’s similarities, we’re here to make on target placements, together.

We love what we do

We’re passionate about what we do, period. And we wanted an office that reflects that—a place where creativity, focus, and connection are at the forefront. We couldn’t be happier to be a part of Convene, a community that fits our vision perfectly. We stand behind their mission: creating a world where people work to make a life, not just a living.

From team bonding to team building, we’re all about building a workplace where our employees can thrive. 

We give back

At Arrow, our work helping others doesn’t stop at recruitment services. Giving back is something we value both in and outside of the office. Throughout the year we’re involved with numerous charities and events, including:

  • Cycle for Survival
  • American Heart Association
  • JP Morgan 5K

Work At Arrow

Источник: https://arrowsearchpartners.com/

Search Results for “PREMIER

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Источник: https://www.reuters.com/finance/stocks/lookup?searchType=any&search=PREMIER

premier financial search

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Источник: https://www.tellows.com/num/6617990101

12 Premier Financial Search employees in database. Find out everything there's to know about Premier Financial Search employees. We offer you a great deal of unbiased information from the internal database, personal records, and many other details that might be of interest to you.

Shannon ClarkeShannon ClarkeLos Angeles, CaliforniaDetails

Shannon Clarke's Premier Financial Search Experience May 2010 - January 2012

Job Associate at Pricewaterhouse Coopers

Industry Accounting

Experience
PwC  July 2014 - Present
Mark S. Varshawsky & Assoc.   October 2013 - April 2014
California Lutheran University  May 2013 - September 2013
Victoria's Secret  October 2010 - February 2013
Premier Financial Search   May 2010 - January 2012

Skills
QuickBooks, Microsoft Word, Time Management, Data Entry, Microsoft Excel, Outlook, Payroll, Spreadsheets, Telephone Skills

Education
California Lutheran University   2012 — 2014
Bachelor's degree, Accounting

College of the Canyons   2009 — 2011
Associate of Science (A.S.), Accounting

carver federal savings bank app alt="Rebecca Herd">Rebecca HerdSan Jose, CaliforniaDetails

Rebecca Herd's Premier Financial Search Experience May 2011 - July 2011

Job Purchasing Analyst/Business Planner at Stryker

Industry Medical Devices

Experience
Stryker  July 2014 - Present
Cal Alumni Association  December 2010 - May 2014
Gopnik Cognitive Development Lab  May 2013 - August 2013
Comprehensive Therapeutic Nursery   February 2013 - May 2013
Premier Financial Search   May 2011 - July 2011

Skills
Microsoft Excel, Microsoft Word, PowerPoint, Access Database, HTML, R, Quantitative Research, Qualitative Research, Recruiting, Team Leadership, Public Speaking, Community Development, Dance, Research, Analysis

Education
University of California, Berkeley   2010 — 2014
B.A. Candidate in Psychology, Minor in Disability Studies

Chelsea ItayaChelsea ItayaGreater Los Angeles AreaDetails

Chelsea Itaya's Premier Financial Search Experience May 2010 - August 2010

Job Executive Assistant to the Creative Director and Manager of Talent Relations at Paramount Animation

Industry Entertainment

Experience
Paramount Animation  March 2015 - Present
Warner Bros. Entertainment Group of Companies  October 2014 - March 2015
NBCUniversal, Inc.   September 2014 - October 2014
DreamWorks Animation  January 2014 - May 2014
Make-A-Wish Foundation, Greater Bay Area  June 2013 - August 2013
DreamWorks Animation  May 2012 - August 2012
Lucky Strike Lanes  May 2011 - August 2011
Premier Financial Search   May 2010 - August 2010

Skills
SEO, Facebook, Event Planning, PowerPoint, Social Media, Social Networking, Time Management, Microsoft Word, Social Media Marketing, Microsoft Office, Adobe Photoshop, Microsoft Excel, Editing, Research, Recruiting, Photoshop, Marketing

Education
University of California, Berkeley   2010 — 2014
Bachelor's Degree, Haas School of Business

Richmond, The American International University in London

Valencia High School

Jenn BartlettJenn BartlettGreater Los Angeles AreaDetails

Jenn Bartlett's Premier Can i overdraft my capital one secured credit card Search Experience September 2013 - March 2014

Job Controller at Hawkins Way Capital, LLC

Industry Real Estate

Experience
Hawkins Way Capital, LLC   July 2014 - Present
Equitable Accounting Services, LLC   January 2014 - July 2014
Premier Financial Search   September 2013 - March 2014
Robert Half International  April 2013 - July 2013
Parco Holding's, LP and Stripes Restaurants Inc.   August 2012 - February 2013
Current Culture H2O   February 2012 - August 2012
CompuPro Business Solutions   August 2009 - July 2012

Skills
Customer Service, Recruiting, Teamwork, Microsoft Office, Event Planning, Budgets, Leadership, Human Resources, Accounts Receivable, Training, Accounts Payable, Marketing, Access, Finance, QuickBooks, Payroll, Administrative., Employee Relations, Staffing Services, PowerPoint, Microsoft Excel, Microsoft Word, Facebook, Public Speaking, Social Media, Event Management, Data Entry, Social Networking, Research, Time Management, Social Media Marketing, Outlook, Sales, Leadership Development, Interviews, Restaurant Management, Cooking, Bartending, Restaurants, Food, Food & Beverage, Food Service, Food Safety, Management, New Business Development

Education
California State University-Fresno   2009 — 2012
BS Business Administration, Management

Hong Kong Baptist University   2012 — 2012
Strategic Management

Shannon IferganShannon IferganStevenson Ranch, CaliforniaDetails

Shannon Ifergan's Premier Financial Search Experience May 2013 - Present

Job Executive Recruiter at Premier Financial Search

Industry Staffing and Recruiting

Experience
Premier Financial Search   May 2013 - Present
Honors Review  September 2011 - April 2013
Granda Hills Charter High School   June 2009 - January 2011
Bank of America  June 2006 - May 2010

Skills
Accounting, Administrative., Teaching, Cash Flow, Recruiting, Management, Time Management, Administration, Administrative., Outlook, Auditing, Microsoft Excel, Financial Accounting

Education
California State University-Fullerton   2005 — 2007
Musical Theater w/ minor in Math for Teaching Education

Palomar College   2003 — 2005
Liberal Arts

Michelle MaletteMichelle MaletteValencia, CaliforniaDetails

Michelle Malette's Premier Financial Search Experience January 2015 - Present

Job Executive Recruiter at Premier Financial Search

Industry Staffing and Recruiting

Experience
Premier Financial Search   January 2015 - Present
Accountemps  October 2014 - January 2015
Jacam  March 2014 - September 2014
Lyons High School  August 2013 - March 2014

Skills
Recruiting, Sourcing, Temporary Placement, Microsoft Office, Marketing, Data Entry, Team Leadership, Accounts Receivable, Talent Acquisition, Sports Coaching, Sports Management, Special Education, Public Speaking, Security, Fire Alarm, Financial Reporting, Financial Accounting, Microsoft Excel, Accounting, PowerPoint, Management, Customer Service, Microsoft Word, Auditing

Education
Sterling College   2011 — 2013
Bachelor of Science (B.S.), Kinesiology and Exercise Science

College of the Canyons   2009 — 2011
Kinesiology and Exercise Science

Lisa PickLisa PickEncino, CaliforniaDetails

Lisa Pick's Premier Financial Search Experience February 2014 - Present

Job Executive Recruiter at Premier Premier financial search Search

Industry Financial Services

Experience
Premier Financial Search   February 2014 - Present
On Q Financial, Inc.   May 2010 - March 2014
Bank of America  May 2008 - May 2010
Countrywide  February 2007 - May 2008

Skills
Mortgage Lending, Loans, Credit Analysis, Mortgage Banking, Credit, Banking, Refinance, Loan Origination, Residential Mortgages, Finance, Investment Properties, Accounting, FHA, VA loans, FHA financing, Mortgage Underwriting, Construction Loans, Microsoft Excel, Financial Analysis, Financial Reporting, USDA, Recruiting, Technical Recruiting, Staffing Services, Tax, Auditing, Microsoft Office, Financial Accounting, Microsoft Word

Education
California State University-Northridge   1997 — 2002
Bachelor of Arts, Communication Studies

Bishop Alemany High School   1994 — 1997
High School Diploma

Cheryl BergCheryl BergGreater Los Angeles AreaDetails

Cheryl Berg's Premier Financial Search Experience July 2014 - Present

Job Senior Executive Recruiter at Premier Financial Search

Industry Accounting

Experience
Premier Financial Search   July 2014 - Present
Premier Financial Search   May 2006 - June 2014

Skills
Executive Search, Personnel Management, Recruiting, Resume Writing, Talent Acquisition, Interviews, Sourcing, Applicant Tracking.

Education
CSUN
Bachelor of Arts (B.A.), Political Science

University of California, Irvine

Arbella OrshanArbella OrshanGreater Los Angeles AreaDetails

Arbella Orshan's Premier Financial Search Experience April 2007 - July 2007

Job District Manager at Frito Lay

Industry Consumer Goods

Experience
Frito Lay  Event CoordinatorAssyrian American Association of Southern CaliforniaJune 2004 - Present
Northridge Toyota  July 2007 - July 2008
Premier Financial Search   April 2007 - July 2007
Citibank  May 2005 - April 2007
Northridge Toyota  April 2000 - May 2005

Skills
Customer Service, Sales, Training, Time Management, Marketing, Leadership, Sales Management, Event Management, Data Entry, Team Building

Education
California State University-Northridge   2004 — 2007
BS, Consumer Affairs

Becca HerdBecca HerdSan Francisco Bay AreaDetails

Becca Premier financial search Experience May 2011 - Jul 2011

Position Financial Recruitment Intern

Experience
Program Manager at Medallia from May 2020 - Current
Professional Services Senior Analyst at Medallia from Sep 2018 - May 2020
Customer Service Supervisor at Stryker from Sep 2016 - Sep 2018
Materials Supervisor at Stryker from Mar jp morgan chase private client login - Sep 2016
Senior Purchasing Analyst/Business Planner at Stryker from Jul 2014 - Mar 2016
Scholarships Intern at Cal Alumni Association from Dec 2010 - May 2014
Research Assistant at University of California, Berkeley from May 2013 - Aug 2013
Behavioral Therapy Intern at Comprehensive Therapeutic Nursery from Feb 2013 - May 2013
Financial Recruitment Intern at Premier Financial Search from May 2011 - Jul 2011

Education
University of California, Berkeley   B.A. Candidate in Psychology

Alexander BeasonFordAlexander BeasonFordSan Diego, CaliforniaDetails

Alexander BeasonFord's Experience Feb 2015 - Jul 2015

Position Project Coordinator

Experience
Buisness Management Analyst at Northrop Grumman from Aug 2020 - Current
Associate Contract Administrator at Northrop Grumman from Aug 2019 - Aug 2020
Property Administrator at Northrop Grumman from Oct 2017 - Aug 2019
Book Seller at Barnes & Noble, Inc. from Dec 2016 - May 2017
Administrative Intern at Northrop Grumman Corporation from May 2015 - Jan 2016
Project Coordinator at Premier Financial Search from Feb 2015 - Jul 2015
College Intern Administrative at Northrop Grumman Corporation from Sep 2013 - Jan 2015

Education
Arizona State University   Bachelor of Arts - BA
College of the Canyons   Associate of Arts (AA)
Canyon high School   Diploma



Источник: https://bearsofficialsstore.com/company/premier_financial_search

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Premier Financial Corp. (PFC) Q2 2021 Earnings Call Transcript

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Image source: The Motley Fool.

Premier Financial Corp.( PFC -2.13% )
Q2 2021 Earnings Call
Jul 30, 2021, 11:00 a.m. ET

Contents:

  • Prepared Remarks
  • Questions and Answers
  • Call Participants

Prepared Remarks:


Operator

Good day and welcome to the Premier Financial Corp.'s second-quarter 2021 earnings conference call. [Operator instructions] After today's presentation, there will be an opportunity to ask questions. Please note this event is being recorded. I'd now like to turn the conference over to Tera Murphy, vice president of corporate communications.

Please go ahead.

Tera Murphy -- Vice President of Corporate Communications

Thank you. Good morning, everyone, and thank you for joining us for today's second-quarter 2021 earnings conference call. This call is also being webcast and the audio replay will be available at the Premier Financial Corp. website at premierfincorp.com.

Following leadership's prepared comments on the company's strategy and performance, they will be available to take your questions. Before we begin, I'd like to remind you that during the conference call today, including during the question-and-answer period, you may hear forward-looking statements related to future financial results and business operations for Premier Financial Corp. Actual results may differ materially from current management forecasts and projections as a result of factors over which the company has no control. Information on these risk factors and additional information on forward-looking statements are included in the news release and in the company's reports on file with the Securities and Exchange Commission.

And now I'll turn the call over to Mr. Small for his comments.

Gary Small -- President, Chief Executive Officer, and Director

Thank you, Tera, and good morning to all. We appreciate having you with us today. The Premier team delivered a strong performance in the second quarter. New business activity was very robust, cost and credit was managed well, and we're taking steps and making the necessary adjustments to deliver on the year we outlined back in January from a performance perspective.

Earnings came in at $31.4 million or $0.84 a share, generating a return on assets of 1.67% and over 19% on tangible capital. The quarter saw a continuation of many of the positive drivers we discussed in our first quarter call. In each of the five markets, state markets across our footprint, we are seeing credit demand on the rise. All households are in strong shape and the general economy is expanding.

New business production for all of our lending segments, commercial, consumer and residential real estate, are strong and we experienced linked quarter total loan growth of 3.6% when you exclude the PPP impact, with the commercial and consumer business growing over 4.4%, each of those numbers is on an annualized basis. Given the fact that the commercial line utilization continues to be at historically low levels, we were very pleased to turn the corner in Q2 on core loan growth. That was a bit sooner than we had anticipated and communicated last quarter. The loan portfolio quality remains very strong and the economic factors that shape our loan loss allowance, combined with the net recovery position that we're in for the year, have resulted in another meaningful release of loan loss reserves for the quarter with -- discover online banking bonus with a $3.9 million credit provision.

A robust expansion of our consumer activities is driving a double-digit growth in our consumer-related fees, so think debit cards, account fees, ATM fees and the like. And we continue to work hard to drive net interest income and maintain margin in this difficult rate environment. The continued strength of our clients' balance sheet certainly creating excess liquidity for the organization. We in turn are driving growth in our securities portfolio and we've taken some additional meaningful steps to reduce our balance sheet rate sensitivity and position it so that we would be favorably affected from a net interest income position going forward.

We managed to trim our core expenses and run rate from Q2 versus Q1, consistent with our commitments made on the first-quarter call, and we have actions in place that will provide additional benefits for upcoming quarters as well. The residential mortgage business line story is the one with the most variation from our first quarter performance. Overall, residential loan generation remained at very strong levels for the quarter, right on target. However, pricing did tighten early in the premier financial search and our focus turned to the better price construction business, which drove more of our actual production into the portfolio, less was sold than normal, more loans found their way into the portfolio.

This assisted in driving our net interest margin in a positive direction for the quarter. This obviously affected the mix between salable and portfolio loans with our salable percentage falling below 60% for the quarter, and that tempered our gain from a gain on sales perspective for the quarter. The retreat of the 10-year treasury rate over the course of the quarter also produced an unfavorable effect on our MSR valuation of close to $500,000. You might remember, it was about $5 million positive in the first quarter.

So a lot of volatility between the linked quarters on that factor alone. The pipeline at quarter end, combined with visibility we have as we look at July activity reflects a continuation of really good residential loan production. We've taken steps to improve our salable percentage, returning to targeted levels. Pricing has afforded us this opportunity to jump back in that space.

And while always competitive, we think we can compete comfortably as we had originally planned. And rates have stabilized and our hedging costs are a little bit less going forward and more than norm than they were during the second quarter. We expect quarterly mortgage profitability to return to more typical levels over the remainder of the year with the unknown being the effect of the 10-year treasury rate volatility as that really does impact our MSR valuation. You may recall, as I said in the first quarter, a very, very large benefit.

And we felt that was a full year benefit that was recognized in the first quarter and that we were likely to give some back, and we certainly did in the second quarter. But at current rates today, we are generally in line with our planning expectations that we had at the beginning of the year for where the 10-year would be. So it would be good to go relative to our overall plan if we stay put as we are. At this point, I'm going to turn it over to Paul and we'll come back with some comments at the end with some guidance updates.

Paul Nungester -- Executive Vice President, Chief Financial Officer, Investor Relations

Thank you, Gary. Good morning, everyone. I'll review our second quarter and year-to-date results, starting with the balance sheet, which was relatively flat with deposits down slightly point to point. The mix declined a bit as businesses began using liquidity, but we did continue to reduce our all-in cost of funds, which fell five basis points to 0.26% this quarter.

For assets, we are pleased to report $45 million of loan growth this quarter, excluding PPP, led by commercial, which was up $36 million or 4.4% annualized. During 2Q, we also added $360 million of securities from our excess liquidity position until loans began to rebound in June. We remain focused on net interest income growth, and we'll continue to act prudently as loan and deposit trends dictate. Next is the allowance, which decreased $3.4 million due to a provision credit for loans of $3.6 million and net recoveries of $244,000.

This decrease is primarily related to a further improvement in economic forecasts, offset slightly by an increase in non-PPP balances plus a lack of charge-offs that helped expense by over $3 million. At June 30, our allowance coverage, excluding PPP loans and including acquisition marks, was 1.57%, down from 1.69% at 3/31, but still not back to pre-pandemic levels. Finishing the balance sheet is capital, where we ended 2Q with over $1 billion of equity with the increase primarily due to net earnings in excess of dividends. We also completed about $126,000 of share buybacks for $3.7 million in the quarter.

At June 30, our tangible equity ratio was 9.8%, excluding PPP loans, and our total risk-based capital was about 13.7%. Next I'll turn to the income statement, starting with net interest income of $57 million, which is up 1% on a linked quarter basis. Excluding the impact of marks and PPP, our net interest margin was 3.20%, down from 3.25% in the first quarter. This is consistent with expectations given our focus on investing excess liquidity while awaiting loan growth.

NIM could possibly see a little more pressure, depending on how fast loan growth rebounds and whether or not deposits were to revert back to high growth. We also executed on a swap during 2Q that reduces our asset sensitivity and is expected to improve our net interest income by approximately $3 million annually. Noninterest income was $17.5 million for 2Q, which is down from prior quarter and prior year, primarily due to mortgage banking. Mortgage gains were $2.7 million in 2Q, which is down $3 million from 1Q and almost $9 million from second quarter 2020.

Matt will provide more color in a moment, but this was generally due to lower margins, as well as a decline in salable mix with total mortgage production meeting expectations. Additionally, we saw a retreat in the 10-year, which dropped from 1.74% at 3/31 to 1.45% at 6/30. So we had to give back about $0.5 million of MSR valuation after the big $5.3 million recovery in 1Q when the 10-year spiked. Separately, we had a net $0.7 million security gains with $1.5 million of gain from where we took advantage of pricing to realize those gains and reinvest to generate higher income over the next three years.

This was offset by a $0.8 million loss related to our bank equities, which was down due to the market downturn for these in 2Q. Insurance commissions of $4.1 million is down from 1Q due to the $1.1 million of contingent commissions that are earned in the first quarter of each year. And last, other income included a $1.3 million nonrecurring settlement payment this quarter. Next is expenses, which were $38.4 million, down 1% on a linked-quarter basis.

As mentioned last quarter, we began addressing run rate items starting in the latter half of 2Q, which helped lead to the decline, but there are also some items such as costs related to ATM and debit card usage that have good guys up in revenues as seen by the strong performance in service fees. We still currently estimate full year expenses to end around $153 million, as previously noted. Further, our year-to-date efficiency ratio remains below 50%, and we still expect 50% or better for the full year. Additionally, our second-quarter pre-tax pre-provision income was $36 million, which led to a strong 1.9% ROA for second quarter and 2.16% year-to-date.

Bottom line, we reported net income of $31 million or $0.84 per share for second quarter 2021, which is ahead of expectations due to the good guidance and provision and security gains, offset partly by lower mortgage banking income. That completes my financial review. Now I'll turn the call over to Matt for a discussion of lending and credit. Matt?

Matt Garrity -- Executive Vice President, Chief Lending Officer, Head of Residential Lending

Thanks, Paul. I'll be providing an update on our commercial and residential mortgage areas, as well as an update on asset quality. In our commercial business, we're encouraged by the increased levels of loan production and a return to balanced growth when excluding the impact of PPP during the second quarter. Commercial loan production increased approximately 19% when comparing the second quarter of 2021 to the first quarter of 2021.

And we're encouraged by the pace of lending activity as we exited the quarter and head into the second half of the year. We're also encouraged by our improvement in C&I originations, which has been a focus for us. C&I originations as a percentage of total originations were 35.6% in the second quarter as we continue to build this segment of our business. In terms of balance growth, we delivered growth at an annualized rate of 4.4%, exclusive of PPP.

While this level of growth is less than our historical performance, it's a solid improvement over the first quarter of 2021 and we believe it is a precursor for more normalized growth during the second half of this year. For the remainder of the year, we foresee increasing levels of loan production and balance growth, reflective of the increased activity in our markets. In our residential mortgage business, we were pleased with our overall level of loan production in light of the operating environment. While refinance activity has returned to more normalized levels across the industry, our construction firm business has helped provide a degree of buffer to the impact of lower refinance volume.

Mortgage banking gain on sales softened during the second quarter, as Paul mentioned, as we experienced a reduction in our mix of salable volume as well as continued margin compression, which we had mentioned on our call last quarter. At the industry level, we've experienced this race to the bottom during previous mortgage cycles and it's a reflection of the overcapacity that has come into our industry over the past year. Overall, mortgage banking revenue for the first half of 2021 how to calculate balloon mortgage payment running approximately 18% ahead of the first half of 2020, driven by the MSR valuation adjustments. Looking ahead, we expect the operating environment to be with us throughout the second half of the year, although we do expect to see improvement in salable mix in the coming quarters in comparison to 2Q.

Long term, we believe our mortgage business is positioned for continued success, and it's a business line that we will continue to invest in and grow. With respect to asset quality, our story for the second quarter remains largely consistent with prior quarters. We're very pleased with the overall performance of the portfolio. Nonperforming loan levels improved over 16% when comparing the second quarter of 2021 to the first quarter, and classified loan levels declined approximately 12% in the second quarter in comparison to the first quarter.

And we have another quarter of net recoveries in the charge-off category. We're also happy to report that the remaining COVID deferrals have largely returned to their scheduled payments. While we're pleased by the performance of the portfolio during what has been a challenging 18-month period, we remain focused on our portfolio and working proactively with our clients. I'd now like to turn the call over to Gary Small.

Gary?

Gary Small -- President, Chief Executive Officer, and Director

Thank you, Matt, and I'll quickly give you a few thoughts on guidance. From a loan balance perspective, we affirm our commitment to achieving our end of year loan growth targets that we communicated back in January, and that would be roughly just north of 5% for the total portfolio and mid-single digits to mid higher single digits on the commercial book. While we may benefit from line utilization improvement by year-end, we believe we can hit our targets regardless of that improvement. From a credit perspective, continue loan loss reserve recapture will be the theme for the day, although not nearly to the same extent perhaps as we saw in the first half.

We continue to expect net charge-offs for the full year to significantly outperform our initial expectations, consistent with what we expressed at the first quarter call. Noninterest income, we expect to achieve the original targets for the category as strength in the consumer deposit fees are helping to offset any potential shortfall we may experience in mortgage banking. And our balance sheet growth, $7.75 billion remains a reasonable expectation. The continuation of unemployment benefits in the enhanced child care credit program, combined with some municipal dollars that are still on the way, are driving our net interest income up and our NIM down.

But again, that's the right answer for us here in '21. And from a capital perspective, I just acknowledge that we are authorized well on the buyback stand and I would expect to see more activity on that front as we move forward. And with that, operator, I'll turn it over for questions.

Questions & Answers:


Operator

[Operator instructions] Our first question comes from Scott Siefers from Piper Sandler. Please go ahead.

Scott Siefers -- Piper Sandler -- Analyst

Good morning guys. Thanks for taking the question. I guess first question is just on the tactics regarding the available for sale portfolio, just the overall securities build, so you've got a portfolio of about $1.3 billion now. And I think, Paul, in your comments, you had noted that you've been increasing the size until loan growth resumed.

And what are the plans premier financial search that $1.3 billion from here? Does it continue to grow? Or have we sort of leveled it out?

Paul Nungester -- Executive Vice President, Chief Financial Officer, Investor Relations

Yes. For the most part, Scott, it's leveled off. We're now back in the loan growth mode, having hit that, especially in June and for the quarter as a whole. So our intent now going forward is generally to maintain that level at the securities book.

We'll always look for the right opportunities if we see something in there to maybe do some repositioning. But really, we plan on deploying our funds into the loan growth side. Now having said that, deposits were to skyrocket again like they did in the first quarter in excess of loans then we'll look if we should put some more into securities or just park it temporarily for additional loans.

Gary Small -- President, Chief Executive Officer, and Director

Scott, at this point, we've laddered the duration of that to match what we expect to be the loan growth so that we can comfortably move from one to the other as premier financial search know the environment now.

Scott Siefers -- Piper Sandler -- Analyst

OK. All right. Great. Thank you.

And then just on mortgage and fee income. When you talk about going back to normal mortgage profitability in the second half, are you speaking dollars of revenues there? And I guess, if so, what does normal mortgage look like these days? And I guess sort of about the $2.6 million-ish base. So we've just had such extraordinary swings over the course of the last year or so.

Matt Garrity -- Executive Vice President, Chief Lending Officer, Head of Residential Lending

Good morning Scott. This is Matt. I think for the second half of the year, you should pencil in your expectations between that $4 million and $5 million range on a quarterly basis in the second half.

Scott Siefers -- Piper Sandler -- Analyst

Yes. Perfect. Excellent. And then just one final, so I'll take it that question those and you guys have the remaining under PPP fees and just sort of a thought on sort of cadence of how those get recognized?

Gary Small -- President, Chief Executive Officer, and Director

Yes. So those are getting recognized now on an accelerated basis through the forgiveness program, right? So at this point, things are moving a little quicker than we had originally anticipated for the round one staff that we originated last year in 2020 and high odds that if the rest of the $2 million because we saw a little movement start in the $2 million bucket. If those were to continue, that could all be gone certainly by the end of the year. And then round two, which we just brought on here in the second quarter, we need to wait and see when that will start.

It could start later this year. Most likely, we'll have some still trickle over into next year. But in both cases, when we put them on, we have to amortize that fee over the duration, which in the case of the round two is five years. And then at the point of forgiveness, we can bring it forward to that at that time.

Scott Siefers -- Piper Sandler -- Analyst

Yes. And do you have the amount of the remaining unearned fee?

Gary Small -- President, Chief Executive Officer, and Director

Yes, but I don't want to miss the peak, I don't have top of my head. So I can say that to you, Scott. Yes hotels near university at buffalo will be posting our normal quarterly investor deck here soon. It will probably be Monday or Tuesday, and it will be in there, so.

Scott Siefers -- Piper Sandler -- Analyst

OK. Perfect. Thank you guys very much.

Gary Small -- President, Chief Executive Officer, and Director

Thank you Scott.

Operator

[Operator instructions ] Our next question comes from Feddie Strickland from Janney Montgomery Scott. Please go ahead.

Feddie Strickland -- Janney Montgomery Scott LLC -- Analyst

Hi. Good morning. I was just wondering kind of the broader question. From your prepared comments, it sounds like things are going pretty well across your footprint.

And I was just wondering what you're hearing from your customers. Has victoria secret pink perfume scents been any kind of incremental positive or negative in business sentiment lately?

Gary Small -- President, Chief Executive Officer, and Director

No. I would say, this is Gary, and I'll have Matt provide color as well. It feels like 2019 with the addition of some commodity and the normal noise that you're hearing about distribution blockage. Labor is the biggest constraint on activity going forward.

There are full books of business and it's very, very active really across the industries. And the constraint is labor. And then if you're in a particular industry, like early in the year when construction costs were really spiked up for materials and so forth, there were some moderation there, but that's past for the most part.

Matt Garrity -- Executive Vice President, Chief Lending Officer, Head of Residential Lending

Yes, I would concur. This is Matt. I would say the labor and supply chain issues have impacted activity more in the first half of the year or the first quarter. I would say 2019 is a fair premier financial search think there's a lot of bottled up demand over the past 12 to 18 months that we're starting to see come onto the plate now and our customers having conversations with our bankers about active expansion and a lot of deal activity. There's a lot of M&A activity going on as well. So we're certainly encouraged for the second half of the year and really heading into next year.

Feddie Strickland -- Janney Montgomery Scott LLC -- Analyst

Got it. And then kind of along those same lines, do you expect that you could maybe see better core fees just like service charges and whatnot, just kind of a natural outcropping of some of the improving economic activity?

Matt Garrity -- Executive Vice President, Chief Lending Officer, Head of Residential Lending

Absolutely. And we've seen that trend now very steadily over the first six months. And while we might not be back to the starting point, we've certainly have every expectation that we're heading in that direction, and it's material. The difference between prior year and current year and consumer fees.

But they're activity-based fees and folks are out and about, anything that goes on with this new variation on COVID could have an impact on that it's a little too early to tell.

Feddie Strickland -- Janney Montgomery Scott LLC -- Analyst

Got it. OK thanks for taking my questions.

Operator

[Operator instructions] Our next question comes from Tim Switzer from KBW. Please go ahead.

Tim Switzer -- KBW -- Analyst

Hey good morning. This is Tim Switzer on for Mike Perito. I had one quick follow-up on mortgage. If cit bank high yield savings go back to that real quick.

If we kind of saw another increase in interest rates sometime in the second half of this year, would you expect mortgage fees to kind of go back toward these Q2 levels excluding anything like MSR changes? Or were there some other factors premier financial search quarter that won't repeat like the saleable volume?

Matt Garrity -- Executive Vice President, Chief Lending Officer, Head of Residential Lending

Good morning. This is Matt. I'll answer that by saying, no, even with an increase in rates, we really feel like 2Q from a, call it, salable mix perspective and real gain on sale activity is probably more of a low point for us this year. We've made some adjustments in our mix.

We've been very disciplined on the pricing side of this because again, we've seen this story play out before, and we've made the strategic decision earlier in the quarter to put a little bit more in the portfolio. We like the outcome for us over a longer term there. But with some stabilization in the pricing in our adjustments, our salable mix is back to more to our expectations. To the extent where if there is a bump in price, I think we're still well positioned overall to deliver a better salable mix outcome and gain on sale outcome for the balance of the year.

It would be an impact, certainly, but you shouldn't expect it to retreat back to Q2 levels.

Gary Small -- President, Chief Executive Officer, and Director

Our business, in general, is a little bit more construction firm as a percentage of total business than our peers would be as much at times as 50%. That product is a great value to the client, and we price meaningfully differently higher than if you were out just doing purchase activity, but the bank of america bill pay center is there. So perhaps it's a little bit less of a price-sensitive position to be in because of the overall product that we offer. And I think that helps support us with our pricing discipline.

Tim Switzer -- KBW -- Analyst

OK. Yes. That makes sense. And I mean what is kind of your typical salable percentage if you were under 60% this quarter, what is it normally?

Paul Nungester -- Executive Vice President, Chief Financial Officer, Investor Relations

Our expectation is to really break that 70% barrier. That's how we want our business model to be adjusted. So as Gary mentioned, Q2, we were south of that 60% number. So that was -- again, there was a lot of strategic decision around our choices and we thought that putting in the portfolio was a better value for us long term.

But with that said we see our mix here again it's we're only about 30 days into the quarter, but with the adjustments we've made, we're running at our targets now and our expectations at salable. So it's a fluid situation, but we're -- we feel like we're kind of dialed in where we want to be right now.

Tim Switzer -- KBW -- Analyst

OK. Great. And I got one more on your buyback. You guys stepped up buyback a little bit in Q2 and talked about continuing the program.

With your strong capital levels, is there room for an acceleration in the back half of the year? I'm trying to determine how hard you guys are going to push on this? And then is there kind of a target capital level you guys want to achieve?

Gary Small -- President, Chief Executive Officer, and Director

I'll start with the latter question first. If you adjust it for PPP, we're running on our most key ratios close to not over 10%. And if we were in the 9.25% or 9.1% to 9.25%, we'd be just fine. So you can do the math on tangible capital as to how much we might be inclined to take off the top.

But we've got substantial room relative to our authorization in what might be a second authorization if we run through this in due time, Paul.

Paul Nungester -- Executive Vice President, Chief Financial Officer, Investor Relations

Yes, in terms of the acceleration, certainly, obviously, market conditions permitting at current levels, it's attractive, but if things were to take off for whatever reason, then we've got our bumpers in place to manage accordingly.

Tim Switzer -- KBW -- Analyst

Great. Thanks for the color.

Operator

The next question is a follow-up with Scott Siefers from Piper Sandler. Please go ahead.

Scott Siefers -- Piper Sandler -- Analyst

Hey guys. Thanks. Gary, just curious to hear your thoughts on M&A sort of following on the capital discussion, a lot more activity nationwide and then some activity and your guys backyard as well. So just curious to hear your updated thoughts?

Gary Small -- President, Chief Executive Officer, and Director

Scott, through the first quarter, I would have said everybody is talking except the First national bank severna park, and then in the second quarter, that cured itself. I think it's the normal discussion flow that we would have been expecting city bank lubbock texas phone number a normal 2018, 2019 environment. It feels like it's a lot more because last year, there was zero. But it's your normal discussions.

I think the prompts are banks that are looking at a flattish revenue book even adjusted for PPP because of margin compression and so forth, some of the same old bugaboos. And we've got two years' worth of pent-up activity relative to that. So there is more discussion than we were seeing in the first quarter but it's a rational discussion. I think folks are doing what they should be doing as they do the strategic planning going forward.

Scott Siefers -- Piper Sandler -- Analyst

OK. All right. And any -- I think that officially covers it, so. OK.

Good.

Paul Nungester -- Executive Vice President, Chief Financial Officer, Investor Relations

Thank you Scott, welcome back to the call, this fall. I got your PPP numbers.

Scott Siefers -- Piper Sandler -- Analyst

Terrific. Thank you very much.

Paul Nungester -- Executive Vice President, Chief Financial Officer, Investor Relations

Sure. At the end of June, we had a total of $9 million of unrecognized fees, but most of that's from around two. So $1.750 million of that relates to round one, which is going through forgiveness right now. So that's the potential that could still come in this year.

Of that $400-ish million is related to those $2 million in over loans and that they're a little bit of a question mark.

Scott Siefers -- Piper Sandler -- Analyst

Yes. OK. Terrific. That's exactly what I need.

So thank you for following up on that.

Operator

There are no more questions in the queue. This concludes our question-and-answer session. I would like to turn the conference back over to Tera Murphy premier financial search any closing remarks.

Tera Murphy -- Vice President of Corporate Communications

Thank you. And thank you for joining us today as we discussed our quarterly results. We appreciate your time and interest in Premier Financial Corp. Have a great day.

Operator

[Operator signoff]

Duration: 32 minutes

Call participants:

Tera Murphy -- Vice President of Corporate Communications

Gary Small -- President, Chief Executive Officer, and Director

Paul Nungester -- Executive Vice President, Chief Financial Officer, Investor Relations

Matt Garrity -- Executive Vice President, Chief Lending Officer, Head of Residential Lending

Scott Siefers -- Piper Sandler -- Analyst

Feddie Strickland -- Janney Montgomery Scott LLC -- Analyst

Tim Switzer -- KBW -- Analyst

More PFC analysis

All earnings call transcripts

This article represents the opinion of the writer, who may disagree with the “official” recommendation position of a Motley Fool premium advisory service. We’re motley! Questioning an investing thesis – even one of our own – helps us all think critically about investing and make decisions that help us become smarter, happier, and richer.
Источник: https://www.fool.com/earnings/call-transcripts/2021/07/31/premier-financial-corp-pfc-q2-2021-earnings-call-t/

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