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Community West Bancshares (CWBC) investor relations material
Community West Bancshares Q3 2024 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2024 earnings summary24 Oct, 2024
Executive summary
Net income for Q3 2024 was $3.4 million ($0.18 per diluted share), rebounding from a Q2 loss due to merger-related expenses, but down from $6.4 million in Q3 2023.
Completed a merger with Central Valley Community Bancorp on April 1, 2024, significantly expanding the branch network, asset base, and completing core systems integration in Q3.
Declared a $0.12 per share cash dividend payable in November 2024.
Financial highlights
Total assets rose 45.12% to $3.53 billion at September 30, 2024, from $2.43 billion at year-end 2023, mainly due to the merger.
Gross loans increased 77.96% year-to-date to $2.3 billion, with $920.1 million from acquired loans; organic loan growth was 6.68%.
Deposits grew 43.11% to $2.92 billion, with $844 million from the acquired bank; organic deposit growth was 1.77%.
Net interest margin improved to 3.69% in Q3 2024 from 3.47% in Q3 2023.
Non-interest income fell 30.2% year-over-year in Q3 2024, mainly due to realized securities losses.
Outlook and guidance
Strategic focus on integrating the merger, improving operational efficiencies, and repositioning the balance sheet for future earnings growth.
Management expects future results to benefit from merger synergies and completed integration, with optimism for improved operating performance in Q4 2024.
Loan-to-deposit and investment portfolio ratios expected to align with peers post-merger.
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Frequently asked questions
Community West Bancshares operates as the holding company for Community West Bank, a full-service commercial bank. The bank provides a range of financial products and services tailored to small and medium-sized businesses, as well as individuals. These offerings include commercial and residential real estate loans, small business loans, agricultural loans, and personal banking services such as savings accounts, checking accounts, and certificates of deposit. Community West Bank also provides online banking, cash management services, and various financial solutions to support local businesses and communities. The company is headquartered in Goleta, California, and its shares are listed on the NASDAQ.
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