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The Wall Street sign is seen outside the New York Stock Exchange, March 26, 2009. REUTERS/Chip East
LONDON, June 25 (Reuters Breakingviews) - In banking, it might be what you do, but it ainât where you do it. Morgan Stanley analysts have scrutinized 93 mid-sized U.S. banks and concluded thereâs virtually no correlation between a lender s local economy and how fast its loans, deposits or earnings increase. Fast-growing Texas no more guarantees rapid expansion than slow-coach Connecticut confers relative stagnation.
Thatâs counterintuitive. But if geography doesnât matter, what does? Having a niche like technology lending may help, the analysts led by Ken Zerbe suggest. Conversely, choices like aiming for higher quality customers could slow growth. Maybe leadership makes a difference, too â an idea that might appeal to chief executives like JPMorganâs (JPM.N) Jamie Dimon, who bagged $31.5 million in 2020 for running Americaâs biggest
Operator
Good morning, and welcome to the Prosperity Bancshares, Inc. First Quarter 2021 Earnings Conference Call. [Operator Instructions]
I would now like to turn the conference over to Charlotte Rasche, Senior Executive Vice President and General Counsel. Please go ahead.
Charlotte M. Rasche
Executive Vice President/General Counsel
Thank you. Good morning, ladies and gentlemen, and welcome to Prosperity Bancshares First Quarter 2021 Earnings Conference Call. This call is being broadcast live over the Internet at prosperitybankusa.com and will be available for replay for the next several weeks. I m Charlotte Rasche, Executive Vice President and General Counsel of Prosperity Bancshares. And here with me today is David Zalman, Senior Chairman and Chief Executive Officer; H. E. Tim Timanus, Jr., Chairman; Asylbek Osmonov, Chief Financial Officer; Eddie Safady, Vice Chairman; Kevin Hanigan, President and Chief Operating Officer; Randy Hester, Chief Lending Officer; Merle Karnes,
Operator
Good day, and thank you for standing by. Welcome to the Bank OZK s First Quarter 2021 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers presentation, there will be a question-and-answer session. [Operator Instructions]
I would now like to hand the conference over to your speaker today, Tim Hicks. Please go ahead.
Tim Hicks
Chief Credit and Administrative Officer
Good morning. I am Tim Hicks, Chief Credit and Administrative Officer for Bank OZK. Thank you for joining our call this morning and participating in our question-and-answer session.
In today s Q&A session, we may make forward-looking statements about our expectations, estimates and outlook for the future. Please refer to our earnings release, management comments and other public filings for more information on the various factors and risks that may cause actual results or outcomes to vary from those projected in or implied by such forward-looking statemen
Operator
Good day, and thank you for standing by. Welcome to the SVB Financial Group Q1 2021 Earnings Call. [Operator Instructions]
I would now like to hand the conference over to your speaker today, Ms. Meghan O Leary, the Head of Investor Relations. Please go ahead.
Meghan O Leary
Head of IR
Thank you, May, and thank you, everyone, for joining us today. Our President and CEO, Greg Becker; and our CFO, Dan Beck, are here to talk about our first quarter 2021 financial results, and they ll be joined by other members of our management team for the Q&A. Our current earnings release, highlight slides and CEO letter have been filed with the SEC and are available on the Investor Relations section of our website. We ll be making forward-looking statements during this call, and actual results may differ materially. We encourage you to review the disclaimer in our earnings release dealing with forward-looking information, which applies equally to statements made in this call.
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