Veritex Holdings, Inc. Income Statement

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Financial Statements

In millions of USD, except per-share amounts

	FY2024 12 months to Dec 31, 2024	FY2023 12 months to Dec 31, 2023	FY2022 12 months to Dec 31, 2022	FY2021 12 months to Dec 31, 2021	FY2020 12 months to Dec 31, 2020
INTEREST AND DIVIDEND INCOME
Interest and fees on loans
Debt securities
Deposits in financial institutions and Fed Funds sold
Equity securities and other investments
Total interest and dividend income
INTEREST EXPENSE
Transaction and savings deposits
Certificates and other time deposits
Advances from FHLB
Subordinated debentures and subordinated notes
Total interest expense
NET INTEREST INCOME
Provision for credit losses
(Benefit) provision for credit losses on unfunded commitments
Net interest income after provision for credit losses
NONINTEREST INCOME
Service charges and fees on deposit accounts
Loan fees
Loss on sale of debt securities, net
Gain on sale of mortgage loans held for sale
Gain on sale of mortgage LHFS
Rental income
Gain on sale of SBA LHFS
Gain on sale of USDA LHFS
Government guaranteed loan income, net
Equity method investment loss
Customer swap income
Other
Total noninterest income

NONINTEREST EXPENSE
Salaries and employee benefits
Occupancy and equipment
Professional and regulatory fees
Data processing and software expense
Marketing
Amortization of intangibles
Telephone and communications
COVID expenses
Debt extinguishment costs
M&A expense
Other
Total noninterest expense
Income before income tax expense
Income tax expense
NET INCOME
Basic EPS (in dollars per share)
Diluted EPS (in dollars per share)

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