公司概况 - First Horizon Corporation是一家总部位于田纳西州孟菲斯的银行控股公司[23] - 公司在2022年底拥有总资产达790亿美元[24] - First Horizon银行成立于1864年，截至2022年底，银行总资产为790亿美元，总存款为650亿美元，总贷款为570亿美元[26] - First Horizon在24个美国州设有450多个业务地点，主要集中在银行和特殊银行领域[29] 业务范围 - 公司主要业务包括商业银行、商业银行、消费者银行、私人客户和财富管理等领域[37] 公司战略 - 过去五年，公司战略重点包括扩大消费者和商业银行产品和市场、严格控制成本、投资于可扩展技术等[39] 财务表现 - 2022年利率上涨明显，提高了公司的贷款利差，改善了贷款边际[44] - 公司与TD达成协议进行收购，尚待监管机构批准[46] - 2020年出售了标题服务业务，获得了2,200万美元的存款[46] - 2020年通过IBKC并购产生了约1.47亿美元的额外费用[46] - 2020年录得了来自IBKC并购的5.33亿美元的购买会计收益[47] - 2020年录得了来自PPP的约1.22亿美元收入[53] 市场竞争 - 公司面临来自银行、储蓄贷款协会、信用社等金融机构的激烈竞争[68] - 公司的银行业务主要竞争对手包括社区银行和信用合作社等[69] - 金融科技的发展使得传统银行业务模式趋向改变[69] 风险管理 - 公司的固定收益和资本市场业务受到利率周期的显著影响[93] - 低利率降低了我们的利息收入，降低了我们的资金成本，刺激了经济活动和贷款增长[95] - 预期政策行动可能会产生类似的影响[96] 监管要求 - 银行必须遵守最低资本水平规定，包括Common Equity Tier 1资本比率为10.17%[120] - 银行必须维持至少4%的杠杆比率[125] - 银行必须保持足够的流动性覆盖率以满足应激情况下的净现金流出[133] 合并风险 - 与待定TD合并相关的风险包括审批延迟可能导致合并无法完成[174] - 审批延迟可能会对公司股价产生负面影响，导致市场反应不佳[175] - 未能完成待定TD合并可能会对公司股价产生负面影响，导致诉讼和重大稀释[178]

Second Quarter 2022 Earnings July 19, 2022 Disclaimers 2 Non-GAAP Information Certain measures included in this document are "non-GAAP," meaning they are not presented in accordance with generally accepted accounting principles in the U.S. and also are not codified in U.S. banking regulations currently applicable to FHN. FHN's management believes such measures, even though not always comparable to non-GAAP measures used by other financial institutions, are relevant to understanding the financial condition, ...

First Horizon Corporation (NYSE:FHN) Q4 2021 Earnings Conference Call January 20, 2022 9:30 AM ET Company Participants Bryan Jordan - President, Chief Executive Officer Hope Dmuchowski - Chief Financial Officer Susan Springfield - Chief Credit Officer Ellen Taylor - Head of Investor Relations Conference Call Participants Ebrahim Poonawala - Bank of America Brett Rabatin - Hovde Group Christopher Marinac - Janney Montgomery Scott Michael Rose - Raymond James Steven Alexopoulos - JP Morgan Jared Shaw - Wells ...

Fourth Quarter 2021 Earnings January 20, 2022 Disclaimer 2 Non-GAAP Information Certain measures included in this document are "non-GAAP," meaning they are not presented in accordance with generally accepted accounting principles in the U.S. and also are not codified in U.S. banking regulations currently applicable to FHN. FHN's management believes such measures, even though not always comparable to non-GAAP measures used by other financial institutions, are relevant to understanding the financial condition ...

| --- | --- | |--------------------------------------------------------------------|-------| | | | | | | | Goldman Sachs 2021 US Financial Services Conference | | | December 8, 2021 Bryan Jordan, President & Chief Executive Officer | | Disclaimer 2 Non-GAAP Information Certain measures included in this document are "non-GAAP," meaning they are not presented in accordance with generally accepted accounting principles in the U.S. and also are not codified in U.S. banking regulations currently applicable to FH ...

First Horizon Corporation (NYSE:FHN) Q3 2021 Earnings Conference Call October 20, 2021 9:30 AM ET Company Participants Ellen Taylor - Head, Investor Relations Bryan Jordan - President and Chief Executive Officer Anthony Restel - Chief Operating Officer and Interim Chief Financial Officer Susan Springfield - Chief Credit Officer Conference Call Participants Casey Haire - Jefferies Brady Gailey - KBW Steven Alexopoulos - JPMorgan Jon Arfstrom - RBC Capital Markets Michael Rose - Raymond James Ken Zerbe - Morg ...

Third Quarter 2021 Earnings October 20, 2021 Disclaimer 2 Non-GAAP Information Certain measures included in this document are "non-GAAP," meaning they are not presented in accordance with generally accepted accounting principles in the U.S. and also are not codified in U.S. banking regulations currently applicable to FHN. FHN's management believes such measures, even though not always comparable to non-GAAP measures used by other financial institutions, are relevant to understanding the financial condition, ...

First Horizon Corporation (NYSE:FHN) Q2 2021 Earnings Conference Call July 16, 2021 9:30 AM ET Company Participants Ellen Taylor - Investor Relations Bryan Jordan - President and Chief Executive Officer BJ Losch - Chief Financial Officer Anthony Restel - Chief Operating Officer Susan Springfield - Chief Credit Officer Conference Call Participants Jared Shaw - Wells Fargo Securities Jennifer Demba - Truist Securities Brett Rabatin - Hovde Group Ebrahim Poonawala - Bank of America Christopher Marinac - Janney ...

AFIRST HORIZON. Wells Fargo 2021 Virtual Financial Services Investor Conference William Losch, Chief Financial Officer May 19, 2021 Disclaimer 2 Non-GAAP Information Certain measures included in this document are "non-GAAP," meaning they are not presented in accordance with generally accepted accounting principles in the U.S. and also are not codified in U.S. banking regulations currently applicable to FHN. FHN's management believes such measures, even though not always comparable to non-GAAP measures used ...

Call Start: 09:30 January 1, 0000 10:30 AM ET First Horizon National Corporation (NYSE:FHN) Q1 2021 Earnings Conference Call April 21, 2021 09:30 ET Company Participants Ellen Taylor - Head of Investor Relations Bryan Jordan - Chief Executive Officer BJ Losch - Chief Financial Officer Susan Springfield - Chief Credit Officer Conference Call Participants Brady Gailey - KBW Michael Rose - Raymond James Jared Shaw - Wells Fargo Christopher Marinac - Janney Montgomery Scott Jennifer Demba - Truist Securities Br ...