Veritex Holdings, Inc. (NASDAQ:VBTX) Q3 2020 Earnings Conference Call October 28, 2020 9:30 AM ET Company Participants Susan Caudle – Secretary and Investor Relations Officer Malcolm Holland – Chairman and Chief Executive Officer Terry Earley – Chief Financial Officer Clay Riebe – Chief Credit Officer Conference Call Participants Michael Rose – Raymond James Brad Milsaps – Piper Sandler Matt Olney – Stephens Woody Lay – KBW Gary Tenner – D.A. Davidson Operator Good day, and welcome to the Veritex Holdings T ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 OR ☐ 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: 001-36682 VERITEX HOLDINGS, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of (I.R.S. employer incor ...

Veritex Holdings, Inc. (NASDAQ:VBTX) Q2 2020 Earnings Conference Call July 29, 2020 9:30 AM ET Company Participants Susan Caudle - IR Malcolm Holland - Chairman and CEO Terry Earley - CFO Clay Riebe - Chief Credit Officer Conference Call Participants Gray Tenner - D.A. Davidson Brad Milsaps - Piper Sandler Matt Olney - Stephens, Inc. Michael Rose - Raymond James Woody Lay - KBW Operator Good day, and welcome to the Veritex Holdings Second Quarter 2020 Earnings Conference Call and Webcast. [Operator Instruct ...

业绩总结 - 2020年第二季度，税前预提准备运营收益为4570万美元，年化占平均资产的2.11%[13] - 净收入为2400万美元，稀释每股收益（EPS）为0.48美元[13] - 本季度信用损失准备和未拨款承诺为1900万美元[13] - 信用损失准备覆盖率增加至总贷款的2.01%[13] - 本季度净减值损失为180万美元，平均贷款的减值率为3个基点[13] - 总普通股一级资本增加2460万美元，资本充足率为9.66%[13] - 处理了2116笔薪资保护计划（PPP）贷款，总额为4.009亿美元，贷款总额增长至66亿美元，年化增长率为22.8%[13] - 交易性存款增长5.357亿美元，年化增长率为52.4%[13] - 抵押贷款仓库贷款较2020年第一季度增长19.1%[13] - 不良资产占总贷款及其他房地产的比例为0.9%[35] - 逾期贷款中，30-59天逾期占比为2%[35] 用户数据 - 2020年第二季度，非利息存款总额为1,900,000千美元，占总存款的31.1%[70] - 2020年第二季度，贷款与存款比率为93.5%[70] - 餐饮行业总承诺金额为1.401亿美元，未偿还金额为1.206亿美元[52] - 餐饮行业贷款中，非执行贷款占比为2.03%[52] 未来展望 - 贷款延期计划的第一轮批准金额为12亿美元，占总未偿还贷款的18.2%[43] - 第二轮延期请求预计将占第一轮总额的60%[46] 新产品和新技术研发 - 2020年第二季度的净利息收入为6580万美元，较2020年第一季度的7140万美元略有下降[88] - 净利息利润率（NIM）为3.31%，较2020年第一季度下降36个基点[88] 市场扩张和并购 - 2020年6月30日的合并与收购费用为918千美元，较2019年6月30日的36,648千美元下降了97.5%[120] 负面信息 - 在疫情期间，银行总承诺的55.2%（约49亿美元）被纳入高风险行业的审查范围[38] - 2.3%的总承诺金额（约2.032亿美元）被降级为特别关注[38] - 酒店投资组合中，1261万美元的降级金额占特别关注的总额[38] - 2020年6月30日的证券出售损失为2,879千美元，较2019年6月30日的359千美元增加了700.3%[120] 其他新策略和有价值的信息 - 2020年第二季度的税前、税前准备运营回报收益较2020年第一季度增加660万美元[92] - 2020年6月30日的年化平均有形普通股权益回报率为14.49%，较2019年6月30日的15.26%下降约0.77个百分点[116] - 2020年6月30日的效率比率为46.02%，较2019年6月30日的51.49%改善约5.47个百分点[117]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 OR ☐ 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: 001-36682 VERITEX HOLDINGS, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of (I.R.S. employer inco ...

Veritex Holdings, Inc. (NASDAQ:VBTX) Q1 2020 Results Earnings Conference Call April 29, 2020 9:30 AM ET Company Participants Susan Caudle - Executive Assistant and Shareholder Relations Charles Malcolm Holland, III - Chairman, President and Chief Executive Officer Terry Earley - Executive Vice President and Chief Financial Officer Michael Riebe - Senior Executive Vice President and Chief Credit Officer Conference Call Participants Michael Rose - Raymond James & Associates Bradley Milsaps - Piper Sandler & C ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report to Section 13 OR 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2019 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-36682 Veritex Holdings, Inc. (Exact name of registrant as specified in its charter) | Texas | 27-0973566 | | --- | --- | | (State or other jurisdiction of | ...

☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 OR UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☐ 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: 001-36682 | | | --- | --- | --- | | | VERITEX HOLDINGS, INC. | | | | (Exact name of registrant as specified in its charter) | | | | ...

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 UNITED STATES SECURITIES AND EXCHANGE COMMISSION For the transition period from to . Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2019 OR As of July 31, 2019, there were 53,500,280 outstanding shares of the registrant's common stock, par value $0.01 per share. VERITEX HOLDINGS, INC. Indicate by check m ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2019 OR ☐ 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: 001-36682 VERITEX HOLDINGS, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of (I.R.S. employer inc ...