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Income Statement
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Cash Flow
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Balance Sheet
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Income Overview
Revenue
$1,550K
Net Income
$30,906K
Net Profit Margin
1993.94%
EPS
$0.56
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-06-30
2025-03-31
2024-12-31
2024-09-30
Customer swap income
1,550
700
660*
271
Service charges and fees on deposit accounts
5,702
5,611
5,300*
5,442
Loan fees
2,735
2,495
2,033*
3,278
Government guaranteed loan income, net
1,688
3,301
-1,094*
780
Other
1,824
2,182
653*
3,335
Loss on sales of debt securities
0
-
-2,675*
-
Total noninterest income
13,499
14,289
4,876*
13,106
Provision for credit losses on loans
1,750
4,000
3,675*
4,000
Certificates and other time deposits
28,539
30,268
35,251*
46,230
Subordinated debentures and subordinated notes
2,056
2,824
3,328*
3,116
Transaction and savings deposits
48,080
45,165
45,212*
47,208
Advances from fhlb
113
27
764*
47
Total interest expense
78,788
78,284
84,553*
96,601
Equity securities and other investments
847
870
771*
1,001
Deposits in financial institutions and federal funds sold
8,039
9,244
9,792*
12,571
Interest and fees on loans
149,354
146,505
151,278*
167,261
Debt securities
16,883
17,106
14,969*
15,830
Total interest and dividend income
175,123
173,725
176,809*
196,663
Net interest income
96,335
95,441
92,256*
100,062
Provision (benefit) for credit losses on unfunded commitments
1,500
1,300
-485*
-
Net interest income after provision (benefit) for credit losses
93,085
90,141
89,066*
96,062
Professional and regulatory fees
5,558
4,931
6,357*
4,903
Other
11,346
10,426
9,830*
12,216
Occupancy and equipment
4,511
4,650
4,623*
4,789
Marketing
2,612
2,032
2,064*
2,781
Salaries and employee benefits
34,957
36,624
35,732*
37,370
Data processing and software expense
5,507
5,403
5,415*
5,268
Telephone and communications
233
330
234*
335
Amortization of intangibles
2,438
2,438
2,437*
2,438
Total noninterest expense
67,162
66,834
66,690*
70,100
Income before income tax expense
39,422
37,596
27,252*
39,068
Provision for income taxes
8,516
8,526
7,315*
8,067
Net income
30,906
29,070
19,937
31,001
Basic EPS
0.57
0.53
0.366
0.57
Diluted EPS
0.56
0.53
0.488*
0.56
Basic Average Shares
54,251,000
54,486,000
54,484,000
54,409,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest and fees on loans
$149,354K
(-10.56%↓ Y/Y)
Debt securities
$16,883K
(9.57%↑ Y/Y)
Deposits in financial
institutions and federal...
$8,039K
(4.11%↑ Y/Y)
Equity securities and
other investments
$847K
(-25.57%↓ Y/Y)
Total interest and
dividend income
$175,123K
(-8.43%↓ Y/Y)
Net interest income
$96,335K
(0.10%↑ Y/Y)
Service charges and fees
on deposit...
$5,702K
(14.64%↑ Y/Y)
Loan fees
$2,735K
(23.92%↑ Y/Y)
Other
$1,824K
(4.17%↑ Y/Y)
Government guaranteed loan
income, net
$1,688K
(27.88%↑ Y/Y)
Customer swap income
$1,550K
(375.46%↑ Y/Y)
Total interest
expense
$78,788K
(-17.07%↓ Y/Y)
Net interest income
after provision...
$93,085K
(5.80%↑ Y/Y)
Total noninterest
income
$13,499K
(27.61%↑ Y/Y)
Provision for credit
losses on loans
$1,750K
(-78.79%↓ Y/Y)
Provision (benefit) for
credit losses on...
$1,500K
Transaction and savings
deposits
$48,080K
(5.39%↑ Y/Y)
Certificates and other time
deposits
$28,539K
(-36.31%↓ Y/Y)
Subordinated debentures and
subordinated notes
$2,056K
(-33.95%↓ Y/Y)
Advances from fhlb
$113K
(-92.30%↓ Y/Y)
Income before income
tax expense
$39,422K
(11.29%↑ Y/Y)
Total noninterest
expense
$67,162K
(6.37%↑ Y/Y)
Net income
$30,906K
(13.62%↑ Y/Y)
Provision for income taxes
$8,516K
(3.59%↑ Y/Y)
Salaries and employee
benefits
$34,957K
(6.61%↑ Y/Y)
Other
$11,346K
(10.44%↑ Y/Y)
Professional and regulatory
fees
$5,558K
(-1.05%↓ Y/Y)
Data processing and
software expense
$5,507K
(8.04%↑ Y/Y)
Occupancy and equipment
$4,511K
(-1.61%↓ Y/Y)
Marketing
$2,612K
(32.19%↑ Y/Y)
Amortization of intangibles
$2,438K
(0.00%↑ Y/Y)
Telephone and
communications
$233K
(-36.16%↓ Y/Y)
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Veritex Holdings, Inc. (VBTX)