The following is excerpted from the question-and-answer section of the transcript.
(Questions from industry analysts are provided in full, but answers are omitted - download the transcript to see the full question-and-answer session)
Question: Jon Arfstrom - RBC Capital Markets` - Analyst
: Hey, thanks, good morning.
Question: Jon Arfstrom - RBC Capital Markets` - Analyst
: Tim, I'll probably start with where you thought we would. But you obviously have a very solid message on loan growth, but can you give us a little
bit more on how prevalent some of the uncertainty is from borrowers? And are they actually pausing and is it having an impact on your growth
outlook despite the fact you basically reiterated it, is there an impact right now?
Question: Jon Arfstrom - RBC Capital Markets` - Analyst
: Okay. Yeah. Fair enough on that. Okay. And this is maybe somewhat related. But on Slide 14, you break out your reserve cadence and it looks like
a better baseline but some macro uncertainty factors. Can you just kind of walk us through the thought process on that in terms of what you did
on the reserve changes?
Question: Jon Arfstrom - RBC Capital Markets` - Analyst
: Yeah, okay, all right, thanks. Appreciate it.
Question: Nathan Race - Piper Sandler - Analyst
: Hey guys, good morning. Thanks for taking the call. On the margin front, just curious in terms of how much additional kind of non-maturity deposit
cost leverage you have with the Fed presumably on hold, at least through the second quarter, you obviously provide great detail on the CD repricing
front in the earnings release, but just curious on the non-maturity side.
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Question: Nathan Race - Piper Sandler - Analyst
: Okay. And have you noticed any changes in competitive pricing on new loan production lately. I know the coupon mix can vary depending on
production in any given quarter. And obviously, you have commercial insurance being financed, expect to have a strong 2Q. But just kind of any
comments in terms of what you're seeing from a competitive perspective and just kind of maybe on a blended basis where new loans are coming
out in the portfolio at these days?
Question: Nathan Race - Piper Sandler - Analyst
: Okay. And Rich, while I got you, if I could sneak one last one just in terms of the rise in criticized loans in the quarter. Any common threads or kind
of any geographic areas or portfolios that drove that increase?
Question: Nathan Race - Piper Sandler - Analyst
: Okay, great. I appreciate all the color. Thanks guys. Nice quarters.
Question: Jared Shaw - Barclays Capital, Inc. - Analyst
: Hey, good morning, everybody. Thanks for the questions. Maybe starting -- just to follow up on John's credit question, when we look at the Slide
14 trends. It feels like, I guess, what Moody's got a little better in February and then worse in March. Is that right? And then you have your qualitative
overlay.
Should we think that if the Moody's scenario, the baseline scenario continues to stay weak or gets a little weaker, would that drive provision a little
higher from here? Or do you feel like your qualitative overlay covered for that? And maybe we see that pull back a little bit if we see broader
deterioration on the baseline.
Question: Jared Shaw - Barclays Capital, Inc. - Analyst
: Okay. All right. And then on Wealth Management, can you just comment a little bit about how sort of new client acquisition is going there and
how sort of that level of organic growth is versus the moves we've seen just from market rates on AUM.
Question: Jared Shaw - Barclays Capital, Inc. - Analyst
: Okay. Thanks. And just final for me. Can you share your updated thoughts on M&A and growth through acquisition going forward once Bremer's
closed, do you feel that you have the capital to do that? And is there sort of what's the appetite or the market like on M&A now?
Question: Andrew Leischner - Keefe, Bruyette & Woods - Analyst
: Hey, how's it going? This is Andrew Leischner on for Chris McGratty. So deposit growth has been pretty solid recently. And just given economic
uncertainty, how should we be thinking about the source of that deposit growth going forward?
Question: Andrew Leischner - Keefe, Bruyette & Woods - Analyst
: Okay, great. Thank you. That's it for me.
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