Q2 describe the information shown on own pay statement

Management is nonetheless aggressively pursuing unrealistic growth targets even as competitors flood the discount retail market and threaten its improbable margins. We believe that DOL will continue to miss lofty investor expectations, and that its premium valuation will continue to be pressured. Dollarama sells a variety of low-priced products, mostly sourced directly from China. Faced with years of negative average traffic growth and an increasingly saturated market, Dollarama is driving comparable store sales growth by selling higher-priced items.

Q2 describe the information shown on own pay statement

I'll now turn it over to Bryan.

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I appreciate you joining us. I feel very good about the second-quarter results and the progress that we've made, also very excited about the completion of our Capital Bank integration, which I'll touch on in a few minutes.

Our results for the quarter showed steady loan momentum and continued strong credit quality. Our pipelines at the end of the quarter are very strong.

In fact, they are up significantly from where they have been running the last six months. We're also pleased with our deposit trends.

Q2 describe the information shown on own pay statement

We saw very good momentum in our customer activity on the deposit side. And both of those are right at where we expect to be for the next couple of years, and so we're excited about the progress there.

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I mentioned the Capital Bank integration. We completed the integration on Memorial Day weekend, the systems integration on Memorial Day weekend of-- I think which month-- May, and very pleased with that a lot of work went into it, the great deal of effort over the last several quarters, really going back almost a year with planning operating models and then conversion, integration, testing and so on and so forth.

Very, very pleased with the results of that integration we had very strong support for our customers and feel very good about the way that all came together.

It was a huge team effort and I really do appreciate the effort of all of our bankers and technologists and so on and so forth that pulled that off. In the next couple of years, we're excited about the ability to realize on the synergies and the opportunities that the Capital Bank integration and the Capital Bank merger.

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The Capital Bank markets are outstanding and we think they put us in some of the best markets in the Southeast that's not in the country.

And we'll be focused over the next couple of years on capitalizing on those opportunities and continuing to improve our business models assuring the best customer experience that we can deliver to customers, enabling us to really grow the business organically and profitably over the next several years.

We think we have a great opportunity to continue to deploy capital in these growth markets and these organic efforts particularly in the Carolinas, mid-Atlantic and upstate South Carolina so we're excited about that.

We are all-- I think we're well positioned to deliver strong returns over the next couple of years. You'll hear more about that from BJ. Story Continues And we think we're going to continue to operate in a very strong economic environment for the foreseeable future.

We think we're in great markets and we think we have a position-- a franchise that's positioned very, very well for good growth over the next couple of years.

So with that, I'll turn it over to BJ and I'll come back to take a few wrap up questions before we take some comments later. Let's start the review of the financials on Slide 5.

The difference between reported and adjusted results in the quarter were mostly merger-related expenses, and the impact of those on both pre-tax and after tax income as well as EPS are shown on the bottom right of the slide.

We accomplished this net interest income and margin improvement through continued pricing discipline with strong loan betas continuing to more than offset increasing deposit pricing pressures. Our balance sheet is strong and our intentional focus on managing the totality of the margin, which includes optimizing the growth and mix of our loan and deposit portfolios, along with appropriately pricing our loans and deposits continues to work to our advantage.

Expense discipline remains strong across the franchise. Credit quality remains excellent with no provision in the quarter. Speaking of the Capital Bank merger. Let's turn to Slide 6 for an update. We remain more confident about the deal today than when we announced it last year.

And we're pleased with how it's going and adding meaningfully to our strategy and financial performance as well as growth. As you can see, we now estimate EPS accretion at more than twice the original announcement due to great execution on things that we can control like higher cost saves and tangible revenue synergies as well as benefiting from tax reform.

As we previously discussed and Bryan just mentioned, we completed our systems conversion over Memorial Day weekend and we're ready to roll with growth in our newer markets. Our cost saves are right on track. So a lot of earnings power already captured, but also more earnings growth to come.

The revenue synergies are largely driven by expanding customers and products in three main areas. Turning to Slide 7, as I discussed earlier, we saw a strong net interest income growth and net interest margin expansion in the quarter.

And this slide gives you a bit more context and color on that. Stepping back and recognizing the significant improvement we've seen over the last five quarters is impressive. If you look at the bottom-right hand chart from 1Q, to 2Q, our reported NIM has expanded 61 basis points from 2.

Those increases are driven by balance sheet growth, net benefit from short-term rate hikes as our loan priced faster than our deposits and the additional benefit of purchase line accretion, particularly related to betas.Jul 17,  · Now you can search stock related news and private companies such as Airbnb.

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