Veritex Holdings, Inc.

Good morning, and welcome to the Veritex Holding Third Quarter 2024 Earnings Conference Calling Webcast. All participants will be in listen-only mode. Please note, this event will be recorded. I'll now turn the conference over to Will Horford with Veritex.

Thank you. Before we get started, I'd like to remind you that this presentation may include forward-looking statements, and those statements are subject to risk and uncertainties that could cause actual anticipated results to differ. The company undertakes no obligation to publicly revise any forward-looking statement. If you're logged into our webcast, please refer to slide presentation and our safe harbor statement beginning on slide two. For those on the phone, please note that the safe harbor statement and presentation are available on our website, VeritexBank.com. All comments made today are subject to that safe harbor statement. Some financial metrics discussed will be on a non-GAAP basis, which may, if it believes, better reflect the underlying core operating performance of the business. Please see the reconciliation of all discussed non-GAAP measures in our filed 8K earnings release. Joining me today are Malcolm Holland, our chairman and CEO, Terry Early, our chief financial officer, and Curtis Anderson, our chief credit officer. I'll now turn the call over to Malcolm. Thank you, Will.

Good morning, everyone, and welcome to our third quarter earnings call. We review our third quarter highlights as well as discuss the balance sheet transformation that's taken place over the past two years. To accomplish these needed changes on the balance sheet, it's taken a conviction and focus of our executive team and, candidly, our entire company.