财务数据和关键指标变化 - 公司本季度净收入为13.9百万美元,每股收益为1.83美元,ROE为16.45%,ROA为1.87%,净息差为5.01%,有形净值为44.11美元 [8] - 公司本季度净利息收入为36.5百万美元,其中包括1.2百万美元的交易收入,剔除交易收入后的基础净利息收入为35.3百万美元,高于历史季度水平,主要是由于生息资产规模增加 [22] - 公司本季度平均资金成本为4.23%,较上季度上升15个基点,主要是由于定期存款增加,同时FHLB借款减少 [24] - 公司本季度非利息支出为16.4百万美元,其中包括105万美元的绩效奖金计提,剔除该项目后的非利息支出为15.4百万美元,与往年同期持平 [25] 各条业务线数据和关键指标变化 - 公司本季度新增贷款153百万美元,其中93%为贷款融资业务,加权平均利率为9.3% [11][12] - 公司贷款融资业务贷款余额为532百万美元,贷款融资业务占公司贷款总额的63%,加权平均贷款与担保物价值比为44%,体现了较低的风险 [13] - 公司购买贷款业务本季度无新增,主要是由于第一季度通常是该业务淡季,但公司有信心第四季度会有较大规模的购买贷款 [29][30] - 公司自营贷款业务增长放缓,主要是由于交易量减少以及对利率和资本化率更加谨慎,但最近几个月交易量有所回升,尤其是商业不动产证券化市场 [31][32] 各个市场数据和关键指标变化 - 公司贷款组合地域分布主要集中在纽约、加州、佛罗里达和新泽西等地区,但总体分散在44个州 [50] - 公司购买贷款主要集中在1-10百万美元的中型贷款,大于15百万美元的贷款仅占17% [47][48] 公司战略和发展方向及行业竞争 - 公司认为当前市场存在大量贷款购买和自营贷款的机会,因此通过ATM发行股票筹集资本以满足业务需求 [27] - 公司认为非银行贷款机构融资规模增加,加之交易量减少,导致这些机构需要更多银行提供的杠杆,这为公司贷款融资业务带来了良机 [38][39] - 公司有信心在全年范围内实现较强的购买贷款业务,尤其是在下半年利率维持在当前水平的情况下 [30] 管理层对经营环境和未来前景的评论 - 公司认为本季度表现非常出色,各项关键指标均有较大幅度改善 [8] - 公司认为自营贷款业务增长放缓属于暂时性,未来会恢复正常增长态势 [31][32] - 公司对购买贷款业务前景保持乐观,预计下半年会有较大规模的增长 [29][30] - 公司认为当前市场环境为其贷款融资业务带来了良机,未来该业务有望持续增长 [38][39] 问答环节重要的提问和回答 问题1 **Alex Twerdahl 提问** 询问公司对非银行贷款机构需求增加银行杠杆的看法 [35][36] **Patrick Dignan 回答** 非银行贷款机构融资规模增加,加之交易量减少,导致它们需要更多银行提供的杠杆,这为公司贷款融资业务带来了良机 [38][39] 问题2 **Alex Twerdahl 提问** 询问公司本季度自营贷款业务收益率较高的原因 [39][40] **Richard Wayne 回答** 本季度新增贷款加权平均收益率为9.31%,而整个贷款组合的收益率为10.09%,主要是由于较高收益的存量贷款拉高了整体收益率,而不是本季度新增贷款的收益率 [41][42] 问题3 **Alex Twerdahl 提问** 询问公司对未来贷款购买业务的预期和相关资本、人员配备情况 [43][44] **Richard Wayne 回答** 公司目前有约5.5-6亿美元的贷款购买能力,可以在不大幅增加资本的情况下吸收较大规模的贷款购买,公司在人员配备方面也有较强的承接能力 [45][46][53][54]

PORTLAND, Maine, April 30, 2024 (GLOBE NEWSWIRE) -- Northeast Bank (the "Bank") (NASDAQ:NBN), a Maine-based full-service bank, today reported net income of $13.9 million, or $1.83 per diluted common share, for the quarter ended March 31, 2024, compared to net income of $12.5 million, or $1.69 per diluted common share, for the quarter ended March 31, 2023. Net income for the nine months ended March 31, 2024 was $43.1 million, or $5.67 per diluted common share, compared to $32.1 million, or $4.35 per diluted ...

PORTLAND, Maine, April 25, 2024 (GLOBE NEWSWIRE) -- Northeast Bank (the "Bank") (NASDAQ:NBN), a Maine-based full-service bank, announced today it will release its fiscal 2024 third quarter earnings results on Tuesday, April 30, 2024. Following the release, the Bank will host a conference call with a simultaneous webcast at 10:00 a.m. ET on Wednesday, May 1, 2024. The conference call will be hosted by Rick Wayne, President and Chief Executive Officer, Richard Cohen, Chief Financial Officer, and Pat Dignan, C ...

公司信息 - Northeast Bank将于4月30日发布2024财年第三季度财报[1] - Northeast Bank总部位于缅因州波特兰，提供个人和商业银行服务，全国贷款部门在全国范围内购买和发起商业贷款[3] 会议信息 - 会议通话将由总裁兼首席执行官Rick Wayne、首席财务官Richard Cohen和首席运营官Pat Dignan主持[1] - 可通过电话或网络收听会议，网站提供直播和幻灯片演示[2] 联系方式 - 有关更多信息，请联系首席财务官Richard Cohen，联系方式为207.786.3245 ext. 3249[4]

Northeast Bank (NASDAQ:NBN) Q2 2024 Earnings Conference Call January 31, 2024 10:00 AM ET Company Participants Rick Wayne – President and Chief Executive Officer Pat Dignan – Executive Vice President and Chief Operating Officer JP Lapointe – Chief Financial Officer Conference Call Participants Alex Twerdahl – Piper Sandler Operator Welcome to the Northeast Bank Second Quarter Fiscal Year 2024 Earnings Call. My name is Daniel, and I will be your operator for today's call. This call is being recorded. With us ...

业绩总结 - Q2 FY24总贷款金额为263.4百万美元，YTD FY24为393.6百万美元[3] - Q2 FY24净利润为14.1百万美元，EPS（摊薄）为1.85美元，ROE为17.35%[3] - National Lending Division的购买贷款平均余额为474千美元，直接发放贷款平均余额为4,657美元[4] - National Lending Portfolio在过去三个月内的余额为2,556.9百万美元[5] - National Lending Activity在过去五个季度中呈现增长趋势，Q2 FY24购买贷款和发放贷款均有增长[6] 贷款组合 - 贷款组合中，Multifamily占23%，Retail占17%，Office占11%[7] - 资产质量指标显示NPAs/Assets为1.50%，NPLs/Loans为0.40%[8] - 截至2023年12月31日，不良资产周转显示NPL增加至30,772千美元[10] 贷款细节 - National Lending Purchased的总贷款余额为$1,646,756, 其中ALL / Total为1.22%[1] - Originated Loans中，C&I (Lender Finance primarily)的贷款余额为$449,188，ALL / Total为0.53%[1] - 1-4 Family Residential的贷款余额为$65,412，ALL / Total为0.30%[1] 投资和收入 - 2024财年第二季度，国家贷款组合总回报率为9.44%[23] - 购买贷款投资基础和折扣在过去5个季度中总额分别为1,831.2和184.4[22] - 过去5个季度的总收入为38.5，总非利息支出为37.9[20]

Northeast Bank (NASDAQ:NBN) Q1 2024 Earnings Conference Call October 24, 2023 10:00 AM ET Company Participants Rick Wayne - President and Chief Executive Officer JP Lapointe - Chief Financial Officer Pat Dignan - Executive Vice President and Chief Operating Officer Conference Call Participants Alex Twerdahl - Piper Sandler Operator Welcome to the Northeast Bank First Quarter Fiscal Year 2024 Earnings Call. My name is Victor, and I will be your operator for today's call. This call is being recorded. With us ...

FY24 Q1 Investor Call October 24, 2023 Forward-Looking Statement Statements in this presentation that are not historical facts are forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Although the Bank believes that these forward-looking statements are based on reasonable es ...

Northeast Bank (NASDAQ:NBN) Q4 2023 Earnings Conference Call July 25, 2023 10:00 AM ET Company Participants Richard Wayne - President & CEO Patrick Dignan - Chief Operating Officer Jean-Pierre Lapointe - SVP & CFO Conference Call Participants Alexander Twerdahl - Piper Sandler Operator Good day, and thank you for standing by. Welcome to the Northeast Bank Fourth Quarter Fiscal Year 2023 Earnings Call. At this time, all participants are in a listen-only mode. After the speakers??? presentation, there will be ...

Northeast Bank (NASDAQ:NBN) Q3 2023 Earnings Conference Call April 25, 2023 10:00 AM ET Company Participants Rick Wayne - President & Chief Executive Officer Patrick Dignan - Chief Operating Officer JP Lapointe - Senior Vice President & Chief Financial Officer Conference Call Participants Alex Twerdahl - Piper Sandler Operator Welcome to the Northeast Bank Third Quarter Fiscal Year 2023 Earnings Conference Call. My name is Olivia and I'll be your operator for today's call. This call is being recorded. With ...