UCBI - Earnings call transcript Q2 2024 | United Community Banks, Inc.

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Operator

Good morning and welcome to United Community Bank's Second Quarter 2024 Earnings Call. Hosting our call today are our Chairman and Chief Executive Officer, Lynn Harton; Chief Financial Officer, Jefferson Harralson; President and Chief Banking Officer, Rich Bradshaw; and Chief Risk Officer, Rob Edwards.

United's presentation today includes references to operating earnings, pretax, pre-credit earnings and other non-GAAP financial information.

For these non-GAAP financial measures, United has provided a reconciliation to the corresponding GAAP financial measure in the Financial Highlights section of the earnings release as well as at the end of the investor presentation. Both are included on the website at ucbi.com.

quarter's on and SEC. Form second filed presentation the morning this X-K of earnings investor release were Copies with the a the call Investor this replay available And the in will Relations website company's be of at ucbi.com. section of

as call, risks during by United. on as X company X and well statements uncertainties aware forward-looking may considered be of of statements XXXX and this included described be with provided be forward-looking the on Form information Please in by Any its should website. in that made the representatives light XX-K and company's other SEC of its Pages the filings

will At I turn this call Harton. over time, to Lynn the

Herbert Harton

this thank our were Good today. morning, joining for you and quarter. our call performance We pleased with

earnings basis, of X% share the operating X.XX% On moved $X.XX XX.X% last our operating an last quarter. from a quarter. basis, an reaching up above on from We and year for ROA was X% per

by basis due ongoing Our net as deposit XX as points focus interest to on loan well repricing. pricing, disciplined expanded margin our

million led increase $X.X increase by the quarter. revenue to margin net interest Our for

results. on to realized Tangible basis. our quarter, our flat. While the noninterest book million an was down we quarter X% look quarter, last a first increased basis, an We essentially held income excluding the and operating annualized expenses continue nonrecurring expenses value basis income and gain from for was GAAP our improve a we noninterest flat on for reduce opportunities to on $X by in

as were basis and slightly basis basis Net substandard Nonperforming mention charge-offs dropped Equipment points XX basis were down solid basis from XX%, special remained continue we XX points up points. points, assets down and Finance stable. while sequentially. and XX XX quarter. loans XX were expect accruing points trends by from to Credit to normalize charge-offs last slightly

well. additional office both which our perform information and appendix this in of We continue have portfolios, multifamily to some the quarter on

be the strong, managing of to new loan decline continues quarter. in and caution credit are selective relationships to borrowers This, our on small on part environment. a credits with we this While uncertainty outstandings are in our existing along the contributed actively given the

and We improve will see the growth opportunities, new we believe teams the and balance hire continue new for year. to of

deposit the consciously rate side, unprofitable to business. higher our we primarily balances public On in some allowed exit, funds

from We noninterest-bearing movement to products. continue see to higher-rate some

cost basis the interest-bearing X our increased basis this quarter. points of X points However, deposits quarter compared last just to

wholesale strong to position a liquidity essentially loan-to-deposit ratio and with very no continues Our borrowings. be of XX%

Jefferson the the now for to on over more quarter. I'll detail turn call

Jefferson Harralson

morning Thank details to go Page deposits. some you, to and more start on on my Lynn, and good into going everyone. X I'm comments

As deposit primarily balances Lynn quarter, mentioned, to total second down strategy. in our due were our the

were more the also on we able we deposit on continued into to pieces which in the significant With lower lighter pricing to there, pricing did base. with of public grow translated and but demand cash deposit and hand, accounts our funds some being We the to but quarter of more and promotional funding able be accounts, expensive more continue shrinkage, higher our total into some our were a on margin. momentum strategic loan our

relatively our X.X% with million funds, shrunk annualized the staying public deposits $XXX Excluding or mix stable.

Our points cost moved to of deposits X.XX%. basis quarter X the in up

lay projects to areas. little in and less the due new loan as estate the loans million. on cautious bank of down us back quarter out Loans loan On out quarter our is loan that combination by sales demand compared Page us to on moving $XXX a bit we loan loans be being lighter given real saw We to as we uncertainty. X, grow from other turn is and customers and holding also lighter portfolio heavy granular appear of diversified the demand back more and We peers. some Navitas generally on who a our shrunk pulled commercial loan in to loans, downgraded being the in Page portfolio rates X, on

strength where X, Page we flexibility to position a us highlight We tough is some and borrowings sheet our environment. believe Turning of that this rate we balance some limited in broker our of interest through deposits. managing in the believe good no competitive FHLB with balance gives very sheet, and

in at our capital all look and ratios increases of regulatory On our We capital. Page TCE ratios above and peers. our X, we capital had remain

up was quarter. basis XX in leverage the Our also points ratio

in Page on margin a the quarter second basis on XX came points GAAP core basis. basis a points to higher XX. margin up basis and The on XX Moving on in the was

of of a competition coming at slower, quarter Our about that first industry accretion points the yield expect in changes, loan X the remaining range in had to the and mix negative Currently, a QX top. but change. X.XX% our renewed basis our increase new as yields loan From some, XX said, second. benefit have we moving also moved having the same in on the compared rate third quarter. the here, we more our to loan CDs, points of to in to up CDs significant maturing continue maturing loan funds X.X% near is still to with quarter. That and the CDs basis a I from albeit could our cost are amount and are yield slightly for X quarter in We

Taken be the in X together, minus our plus basis quarter points. flat should margin X or net third interest to

and relatively write-ups charge offset mortgage was fees lower was and loans other for secondary generating was balance service seasonality XX. MSR fewer production income mortgage volume relatively sheet. be fixed sell Page flat. higher the into market, due our Mortgage Better to we to excluding flat, rate to in quarters. Moving the that income continued both Noninterest predominantly

the decided at the to gain sell fewer soft We Navitas offset quarter. SBA slightly and Our quarter on the demand of in last was compared Navitas loan down sale bank. loans to partly loans to

$X.X revenue Our management second will QX, quarter, wealth Page you up in from the slightly was XX. to and I direct million

underwent our and wealth businesses of and lines, great all a they review and together. have our we we basis, bank long-term fit We interconnection insurance business trust the with retail customers, and of ongoing bank businesses an our fit. and how a a study that concluded On we're great

While was adviser, not. FinTrust our registered investment

sell We also RIA. sell high And and investment invest private decided was and generally and require trust large we grow to we would another relatively books in found to our in time, June to a signed at advisers private and registered growing to and the At FinTrust their that expensive to buy prices. bank, businesses retail it adviser. capital contract

by While most until million. goodwill wrote down likely, will some the close the deal not the with third FinTrust of associated $X.X quarter, we

For in numbers the FinTrust wealth accounted million not management $X the the of about impact sale revenue, EPS forward. of are going our revenue. of second FinTrust was XX% AUA the per and X/X its expenses for will so quarter. to for contributes but equal Its fees accounted quarter, only roughly

incentives offset we from XX. fraud million, annual came losses. by lower that Page process to insurance lower costs, this expenses Back was We higher, $XXX,XXX Operating but expenses health $XXX.X moved merit expenses had and lower other QX. higher including also and in up our had at just

the quality. points. just very XX Net to to bank low being improved basis points quarter, XX Moving credit with charge-offs at the basis in

were up NPAs slightly. Our

are XX, losses, the losses which and were in just X.XX% improved new are Our excluding loans breakout and we slightly trucking, of Navitas was range. Page long-haul XX.X% Navitas were losses X.XX%, at on also on improved, Navitas putting

million XX Page the on cover with is $XX.X year-over-year. losses. back up finish in $XX.X our quarter will increased aside slightly I and for allowance net ACL We the in charge-offs set million to and credit

back to With pass that, I will it Lynn.

Herbert Harton

Jefferson. you, Thank

more wealth I'd on review registered as In that businesses to investment Melinda on strategy. various team our as decision spent comments Jefferson's and frontline team well FinTrust. add our our Lux, and take like resources, a interviewed adviser, quarters our wealth members to ago, to multiple different our process, she businesses time my develop with Davis of external bankers. to I related comprehensive we Before questions, Several asked sell

review to of understandable bankers began her We a our decision and execute to to building wealth want result our deepen strategy. leadership, want We to under internal a The be As more the minimize to a in FinTrust. profitable. competition to strategy integrated designed model and and that we on sell scalable focused want we be conflict, with led and more to business clients. development relationship of this bank-centric

write-down, in will it . have While so ongoing on and accretive no we upon goodwill the third small be loss form recognize of quarter this capital net income. closing a a the in in our will quarter impact doing

the I on to business. outstanding FinTrust the a appreciate Additionally, has within this, she I'm leadership excited team and about be business. Melinda's drive team I dedicated more will successful believe leadership this assembled individually RIA

we as 'XX, As continue we at incredible in focus company on a teammates bank with we will build the our United. great to execution here we move have sharpen throughout forward the

And for floor open now the we'd questions. to like

Operator

[Operator Instructions] Piper from Stephen first The Scouten question Sandler. with comes

Stephen Scouten

about around stance through with will a the kind could commentary improve that I on taking start cautious view if year loan I and more the some maybe maybe growth originations. the guess of new versus color of the growth balance

grow like. could cautious, is wanted, Just loan we're focus segment a that, what been. it we will which hey, still wondering it different there to Or but maybe looks be if kind faster Is growth, just what a some a not actually book? have could the of of just going that on lot provide we

of If point me direction you right the just there. could kind in

Richard Bradshaw

senior Rich. President election know, of like to little the and kind results, do see in And day as going and and Stephen, With credit dampered like credit time as forward. compared to well looks as sponsor well talking in look spent is even uncertainty interest now, QX as each individually as activity does I've well see regards it QX. more a you it's optimism improving as that QX We rates, all confidence. picking bit. up what this right as officers tightening to QX high to owner

growth better we're the throughout continued about year. So feeling loan

little and of come see that's it's the coming of of tapering then been got year. And starting that we've specials on on last a products, in a the little well. bit performed flattened. for terms very product It's are a specific markets, we And us. back starting some that because lot come as have CRE seen over of back lot We've they and owner-occupied well to CRE bit. to back a secondary focus In

Stephen Scouten

dig Great. second. Okay. I then Rich. into if helpful just for a And NIM the color, could That's

-- like You sort guys And the unusual jumped also stability maybe it funding looked noted of the there stability anything yields loan nonaccrual was quite think was around I flat loans -- were moved costs, wondering a that you any off maybe forward, and impact. larger there about if I relative bit. had but the funding or think said specifically? balance sheet, just maybe know you that you how those a moving of if but kind yields And quarter-over-quarter, costs loan what

Jefferson Harralson

Nothing right. really Steve, for there. All unusual that Thanks, question.

You did The points cost basis different. see increase from loan funds more higher get funds little of it benefit little -- this and accretion, is loan X repricing loans, is of -- the loans back quarter. new do helped keep the of helped. our which think going a yield. That X little more I to to from The then at maybe cost and that you're a sell book on help just kind can [ it going to of Navitas X we we to a bit in loans ]. yield loan putting the the whether some is or decision us be Navitas XX keep

CDs it's to first But at third average, the actual the than was have of the exactly XX gives hard tell a out little like if is for like to But our to funds a flat significant in repricing. lot I some optimism there's a Our which But so could some at. of taken lot think amount have of optimism, current flat new a same is it But CDs of of good quarter. we A if this time, it. strategy quarter your money model. banks is number going of lower what cost has June be some better given very together, a in said remarks, I plays the our strategies. it uncertainty come probably good the prepared repricing,

Operator

from comes Raymond with James. Michael next Our question Rose

Michael Rose

Stephen's franchise consensus was a Just than, core was for guess, of as of about Can closer continued just were And I to an we you what update you like ongoing lead off think little year, a balancing what reduction expenses but franchise it next priorities looks looking I you on some bit to the in the investments for. start to on inflation questions. kind just early, investments loans, it's a of about. we initiatives. give of us of know the in would a grow I and the tailing mid-single-digit rate, could as lower think kind kind -- little strategic reinvest basis, cost with growth looking just something

Herbert Harton

Michael, Lynn. I'll can start this Jefferson add is and in.

sat said, flat as a mentioned. a we've got figure at them to Our look, invest down move let's to if employee the this like hold as goal, out in year, knowing year growth, expenses all we That time, we we way I can. was challenge you the -- that gave same the and earlier through just the our team,

do able we're things. those to think I both

we believe So capacity. we a review had excess just completed positions where we of

and some and put and areas, other redundancy. businesses, just in We reducing organizational employment some anticipated frankly, we always some it things Some improvements, because up in some of well. areas those of where areas there, clean is some declines could as we technology We've -- had in cases, those of improvements. quickly. some grown volume because And in

doing we've got that stakeholders quarter be to our Frankly, number some need but have us to some to to and to, knowing want she's as to of our in functions down, a the had, functions in a grow eliminated and invest do that. And talking drive of we've us that to expenses team -- number so So goal positions you've to we for Linda number at -- he's control need got to want to place. talking teams got our stakeholders has not has investments of we to. that this was and continue control make of able invest. in Rich a end is

has we'll able -- operating it do to be ambitious to out. but not mandate team I'm been I'm set promising that's under. the So that, an target was not the

Jefferson Harralson

well that's and growth that that expenses, add overall to in enabled that So some these think I out nets think we've that of production-related cuts I in made. single-digit technology-related said. I'll a low is only rate by

Michael Rose

that should would that some the little some decent And get the do bit then follow-up, fee better are going for just just assuming next to helpful. would rate it. a we assume mortgage I continue your leverage. year about to a and on positive expectation maybe Very businesses, of cuts, would as especially I a think operating core assume of Is be we kind basis. way would

Jefferson Harralson

Yes, for sure.

do budget So to have -- leverage growth, have we're year. every think every so But positive we're kind operating I to of customer year, and do we'll we loan need some. easy but what generate we'll to not going growth. It's

mortgage I growth some year. last think we have will

it that's growth keep to some our comments, over I our think to going lower have 'XX too. pass and design I as think doable we'll in for I'll well. will to growth core be our be growth our than revenue businesses And year, expense in but every Rich

Richard Bradshaw

about Tennessee, really very We're best East we still Rome, the you we've excited And Michael, and that. about I tell well are continuing Georgia, gone several are well. and asked to and on that. lift-outs have work very X will go optimistic markets, XXXX, about to in you, the continue and we and Tennessee done others Middle are Yes,

optimistic very about XXXX. we're So

Michael Rose

one me. Maybe just final one for

in around the next wins. to if updates know getting I really of the case. one But lot's deals. thought people Is in process wasn't any M&A still about year. the a get your just and just backdrop the circles in excited of that deregulatory wanted kind are party base that sort said had guys on I you political think I cards going until mean

Herbert Harton

Sure, is again. Michael. Lynn This

say on M&A getting open on slowdown feel had, like been of on I through But conservative the rate some focus an little we in better some time have rate improved to ability there's on don't I is, we're they've and on a seeing frankly, but math work. we're is the course, project moderation. So would of -- do marks, bit M&A. And that particularly what posture to in the particularly M&A. we've to positives

got and still to we to they real commercial be to on You estate, be commercial marks tend banks heavy. particularly tend estate the real tend banks, look at credit, some that smaller

others. a selling to are a than little and of better have been looking look of are that's really recently deposit value are at There's individual bit franchise banks headwind. we of So that considering they we're interesting because the seen several the -- some at that

our we additive So seeing, we'll of those opportunities franchises, on on it interesting products, we see regulatory about we give we're in. Based number do, coming we number in is to post-November, and and side sheet, it execute balance where a we be opportunity the new small think, them. political with what being quarters for what on best what a us the bring see be looks will of to is focus the can talent But in hopefully to able additional the sure. think the deals really world And don't the regulatory like worry to going -- of because just be smaller.

Operator

The Mealor comes next question from KBW. with Catherine

Catherine Mealor

I from this you follow-up loans yield of -- was from you on that a the benefit on higher sheet. mentioned course, And keeping balance margin more on had of just just quarter those Navitas loans. part higher a

product? where -- balance balance loan loan year. the sale continue that or envision Or between more improves this grow to the on is gain of in the sell you core attractive start at enough to back that on will you think sheet still you Navitas As Would kind of Navitas growth half of versus rate?

Jefferson Harralson

million. $XX quarter, great question. we a about sold It's Last

loan just range. it's low sold still of single-digit with $X we we're growth talking the about, million. kind about quarter, This And

depends Navitas more -- keeping but half. on we're it pricing, towards -- back would leans loans I So lean the think in the it towards

So that lower don't million $XX if but of be to it million think million, the know I low $X it'd as $X in I would as end be range.

So given this here keeping that it's still lower with we kind of more what had end budgeted on the growth better year. from is towards lean even loan of

Catherine Mealor

what Okay. Great. high. this kind this -- in Great. just was next I I'm the expansion then quarters. back outlook. of kind assuming And is loan the thoughts on pace you you you next yield per mean growth rate repeatable that? loan of circle of of quarter not over your of at a Any and expect on so would thoughts yields on on what quarter fixed your basis increase yield just of as couple to see to in book kind maybe for look quarters couple repricing the loan

Jefferson Harralson

Right.

you points at we're book of I a basis loan if what the additional it's adding, that look to X together, yield. So X think of back probably put quarter

Operator

next D.A. Davidson. The from Tenner Gary with comes question

Gary Tenner

One repricing as on kind quick Jefferson, of my of the mentioned the potential CD prospects in question a end. headwind. you third of times couple quarter a

mature the could and third if wondering Just you quarter. the CDs amount of rate detail in that got

Jefferson Harralson

Yes. Great Thanks, question. Gary.

about They're [ about quarter. now XX CDs they're maturing on $X at XX at of [ coming billion maturing X this about We X Right ]. have ].

other So realized. lot there's -- a a that it's large that CDs And of again, it's as of fully maturing already forecast. such some to But optimism amount it's well. CDs a headwind have hard also has the then banks -- is

Right it's move in a not. little that we higher. forecast conservatism for bit So now, to have our some built

now, maybe [ have it's ]. XX the little to -- [ but forecast, X conservatism a ] there's X So again, XX compared right we in

what to seeing amount So could we're But us very it headwind think margin. a other it's we well from and banks. given not the giving our

Gary Tenner

we're the topic, And with Okay. us schedule give actually, maturity on well you fourth that. rates? quarter I that appreciate while as could

Jefferson Harralson

might I large quarter. to a need It's roughly but it you -- get minus, back a or come billion. be I need also little to with that, it's $X plus to very

Operator

Our next Gunther Russell question comes with Stephens. from

Russell Elliott Gunther

us saw of couple trend? Following in up just you'd field. looks on what flow expect over that the a guys those cash like Could yields the discussion, lift next about remind where margin the also to you quarters coming due security you and nice

Jefferson Harralson

Yes.

cash average is X on million [ $XX that in we we're of coming that there. The have about putting per principal flow ]. XX So month

saw little This a loan cash because quarter, would than demand. a you coming jump quarter, the you bigger usually less into lot had of we a

again, think So of we're we will quarter, but $XXX reinvesting X a cash work in a than putting roughly in XX million half stronger, fashion ]. we bigger at that the second the [ to year. expect,

Russell Elliott Gunther

Got it.

assumes growth clarify Okay. loan And of in just to the forward. a that point contemplated that basis X expectations Is to the level then for guide? that in pickup X of loan kind what's going similar yields Navitas

Jefferson Harralson

That's correct. correct. That's

Russell Elliott Gunther

more the incremental book, then you And where some problems around to you've Excellent. the credit, little conservative moving comments made that within with and Could cautious the out. a approach conservatism? stance about Okay. provide kind just the more loan got then color of increased

Robert Edwards

is take appetite on So this commercial seen real has guess. really we've reduced One couple Rob. lending. I'll things. X I is the our what is a -- The happened in we've points for that, speculative of space, type estate

have so been maybe there done we might forward, the I -- past, not in that you loans we're might said and have market. just And going that's that warehouse in some speculative think

on. that, have sponsors In addition the the in multifamily building space going the not some looked at us, to but also of only

higher are of underwriting and more increased process and in the And the process equity. vacancy cash rates all so impacting of course, our that assumptions we've requires underwriting the

of really, tightened just aspects. in some it's real we estate that speculative space the up rates, And those investment aspects, the around nature, so vacancies, commercial have interest underwriting

Russell Elliott Gunther

core last Great. net in near-term then the just sort both Okay. charge-off And an then of expectations, me, Navitas bank. your within guys, terms for one update of and

Robert Edwards

Yes.

is this So Rob.

and Navitas with move start I'll to then overall bank. the So

the the their over came kind the million -- certainly trucking in in do again of of On come We've quarter, it fourth $X.X net down quarter, and big of million the has Navitas came first was down the in that continue charge-offs. $X.X story side, to come charge-offs the down. to quarter road down seen we second expect to

the third the the quarter in bit in come annualized range. quarter, to it expect leveling I fourth and a in down X% more out little So

So Navitas. that's

been XX remain range, expect around would it's bank so the forward. point side On -- going I and $X million stable in basis and relatively right that it to

Operator

question comes next Christopher The Scott. Marinac Janney with Montgomery from

Christopher Marinac

I and continue paths the movement and mention talk outflows the Just just about of credit for curious past kind on the Do on the line substandard. upgrades? thinking Rob. -- see for Are sort quarter. there special this you Could future on want to of you inflows both downgrades? of

Robert Edwards

Yes.

So They credits upgraded costs it we that credit, course, was were adjustments with on that And rewarded mention senior X that that was I'll we've And seen and -- quarter. paid special appropriate company movement least see of a examples, some and one the payoffs. you mention was a then their of performing had, think a seeing didn't got had in and some figured able credit fair special amount see well. in give care we contracts credit. guess, off fair labor got of of we're coming very we one I upgrade the we That contracts and went amount them. We space. out during back upgrades. C&I credit interest And space, the caught up to I a was movement senior in a a that that we back credit. care an got the at have were we that

really and variety the space. so just And a payoffs of types those movement opportunity of quite or either in see upgrades, you of bit there's a

Christopher Marinac

disclosure coverage on and those is on seem probably me That's for of of multifamily. those. a -- would office the lot Great, I'm follow-up. is both helpful. reflect for both it and some Thanks in The the the past What slides Rob. those risk stress a debt that criticized of already Those low in point. pretty service this your testing just asking months. loans of to machinations because And X at changing the level

Robert Edwards

Yes.

did do those how in So I million a $X works over we that think how the months, as change credits and XX credits of stress the -- rate. last based interest last -- for credits the CRE have downgrades that. next quarter maturing mentioned go debt we does. test We on regrade on through out the it I result quarter interest -- the several rate We new a at service do

they place we there's to of their to would rework opportunity some management for credits, downgrade them. some give special them an that then time, be so opportunity or do we in And those the some might of before in not mention substandard, do leases, we watch, if them

So there could you downgrades, opportunity avenues. a be just of move mention of variety more I out and but some seeing special a we're said of think in like credits lot earlier, through to

Operator

Group. David from comes question next Bishop Our Hovde with

David Bishop

credit Thinking the you one how you're to paid the about waterfall you continue to of resolve? I guess, criticized care pretty curious the think special waterfall going months of that topic, X Do there? big quarter, that manage lot the a and a loans over think topic, I alluded that to next, or Just maturities? fact substandard this mention. senior thinking that off What's the they'll there's

Robert Edwards

Yes.

continue do we of upgrades and to So for look credits. payoffs

watching bring have of exit. for those XX all I And we and that nonaccrual. probably, reasonable think, in there's strategies X seem those an likely would we're -- credits credits have are We on resolution overall credits that

my We pause space we're it. population are like type and think that a it demographics are support properties big still of COVID, being the the demand. I people this belief of still but patient still service during the the construction exist, It took need there created is all is demographics in the and long-term seeing and in feels that of demands, -- that that portfolio, existed this

being are we we So are strategies. encouraging but patient, payoffs and resolution additional

David Bishop

back real estate, I one appreciate concentration. the Got to it. commercial final against circling the the then And question, slide

to -- ]. There's XX grow appetite up. obviously is there's [ room curious ], an there the move Just closer XX [ the some X a that to X to

bring maybe ratio. how Just a curious that to hard comfort level

Robert Edwards

the are of comfortable. real There's Yes, commercial products we a listed out estate in some. We've business. variety

be we some and underwriting doing selective, appears space. markets it. would leases the with retail particularly So to on be more comfortable strong. multifamily being that long-term The We're has around more warehouse associated segment

basically We anchored properties continue the to debt where anchor at look the service. tenant grocery some handles

we being there's think we that the so specific opportunities, property about some but strategic types And approach.

Operator

This over any remarks. to concludes session. I turn Harton closing like to the Lynn for conference question-and-answer our would back

Herbert Harton

Well, great. take and Well, to feel and out, you. reach up with to we talk are please first, free I your will your that questions. appreciate to we later, Thank attention, you time excited comes anything soon. and

Operator

The now concluded. conference today's for Thank you presentation. attending has

now disconnect. may You

United Community Banks (UCB) 24 Jul 242024 Q2 Earnings call transcript