Live Oak Bancshares, Inc. (NYSE:LOB) Q2 2023 Earnings Conference Call July 26, 2023 9:00 AM ET Greg Seward - Chief Risk Officer and General Counsel Chip Mahan - Chairman and Chief Executive Officer William Losch - Chief Financial Officer and Chief Banking Officer Huntley Garriott - President, Live Oak Bank Steven Smits - Chief Credit Officer Crispin Love - Piper Sandler Steven Alexopoulos - JP Morgan David Feaster - Raymond James Brandon King - Truist Securities Michael Perito - KBW Good morning, ladies and ...

APPENDIX: LIVE OAK VENTURES $117 $131 Cash Proceeds2 to Date $164 million Vantaca UPLINQ | --- | --- | --- | --- | --- | |-------|------------------------------------------------------------------------------------------------|-------|-----------------------------------------------------------------------------|------------------------------------------------------------------------| | | VERTICALITY | | SCALABILITY | OPTIONALITY | | | Differentiated lending model dedicated to small businesses | | Building t ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2023 or o Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from ________ to ________. Commission file number: 001-37497 LIVE OAK BANCSHARES, INC. (Exact name of registrant as specified in its charter) North Carolina ...

Live Oak Bancshares, Inc. (NYSE:LOB) Q1 2023 Earnings Conference Call April 27, 2023 9:00 AM ET Greg Seward - Chief Risk Officer and General Counsel James Mahan - Chairman and Chief Executive Officer Huntley Garriott - President William Losch - Chief Financial Officer Steven Smits - Chief Credit Officer Brandon King - Truist Securities Crispin Love - Piper Sandler Steven Alexopoulos - JPMorgan David Feaster - Raymond James Good morning, ladies and gentlemen, and welcome to the Q1 2023 Live Oak Bancshares Ea ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission file number: 001-37497 LIVE OAK BANCSHARES, INC. (Exact name of registrant as specified in its charter) North Carolina 26-4596286 (State or ...

Greg Seward - Chief Risk Officer and General Counsel James Mahan - Chairman and Chief Executive Officer William Losch - Chief Financial Officer Huntley Garriott - President Steve Smits - Chief Credit Officer Operator Greg Seward I will now turn the call over to James Mahan, our Chairman and Chief Executive Officer. Moving to the next slide, Michael, before we unpack the provision, in our last quarterly call, we talked about some very famous folks predicting a recession. So are the last two substantial incre ...

0.00% 1.20% | --- | --- | --- | --- | --- | |---------------------------------------------------|-------------------------------|----------------------|---------------|--------------------| | $ in millions | Q4 HFI Unguaranteed Balance | Past Due >30 Days 1 | NonAccruals 2 | Net Charge Offs 3 | | Small Business Banking $2,616 0.71% 0.71% (0.08%) | | | | | | Specialty Finance $1,381 0.06% 0.29% 0.41% | | | | | | Energy & Infrastructure $599 —% 0.57% 0.34% | | | | | 1.00% 0.80% Funeral Home & Cemetery Governm ...

| --- | --- | --- | |------------------------------------------------------------------|-------|-------| | | | | | THIRD QUARTER 2022 | | | | ©2022 Live Oak Bancshares. All rights reserved. October 27, 2022 | | | 2 FORWARD LOOKING STATEMENTS Information in this presentation may contain "forward-looking statements" within the Private Securities Litigation Reform Act of 1995. These statements generally relate to our financial condition, results of operations, plans, objectives, future performance or business ...

Live Oak Bancshares, Inc. (NYSE:LOB) Q3 2022 Earnings Conference Call October 27, 2022 9:00 AM ET Company Participants Greg Seward - Chief Risk Officer and General Counsel James Mahan - Chairman and Chief Executive Officer William Losch - Chief Financial Officer Huntley Garriott - President Neil Lawrence - President & Director Conference Call Participants Steven Alexopoulos - JPMorgan Crispin Love - Piper Sandler Michael Perito - KBW Operator Thank you for standing by, and welcome to Live Oak Bancshares Thi ...

Live Oak Bancshares, Inc. (NYSE:LOB) Q2 202 Earnings Conference Call July 28, 2022 9:00 AM ET Company Participants Greg Seward - Chief Risk Officer and General Counsel Chip Mahan - Chairman and Chief Executive Officer William Losch - Chief Financial Officer Huntley Garriott - President Micah Davis - Chief Marketing Officer Conference Call Participants Steven Alexopoulos - JP Morgan Crispin Love - Piper Sandler Jennifer Demba - Truist Securities Operator Good day and thank you for standing by. Welcome to the ...