SEC Filings

Form 10-K
VERITEX HOLDINGS, INC. filed this Form 10-K on 02/27/2019
Document Outline
Entire Document (15206.2 KB)
Subdocument 1 - 10-K - 10-K
Page 1 - UNITED STATES
Page 2 - VERITEX HOLDINGS, INC.
Page 3 - PARTI
Page 4 - Our History and Growth
Page 5 - Strengthen Our Community Ties.
Page 6 - Investments
Page 7 - Bank and Bank Holding Company Regulation
Page 8 - The Dodd-Frank Act and the Economic Growth, Regulatory Reform, and Consumer Protection Act ( EGRRCPA
Page 9 - The Volcker Rule
Page 10 - Notice and Approval Requirements Related to Control
Page 11 - Capital Requirements and Restrictions on Retained Earnings
Page 12 - Prompt Corrective Action
Page 13 - Regulatory Limits on Dividends and Distributions
Page 14 - Brokered Deposits
Page 15 - Depositor Preference
Page 16 - Privacy and Cybersecurity
Page 17 - Changes in Laws, Regulations or Policies
Page 18 - ITEM 1A. RISK FACTORS
Page 19 - Interest rate shifts could reduce net interest income and otherwise negatively impact Veritex s fina
Page 20 - The small to medium-sized businesses that Veritex lends to may have fewer resources to weather adver
Page 21 - Veritex may be unable to implement aspects of its growth strategy, which may affect its ability to m
Page 22 - Combining Veritex and Green may be more difficult, costly or time consuming than expected and the an
Page 23 - A large portion of Veritex s loan portfolio consists of commercial loans secured by receivables, pro
Page 24 - Veritex may be subject to environmental liabilities in connection with the foreclosure on real estat
Page 25 - Veritex has a limited operating history and, accordingly, investors will have little basis on which
Page 26 - Veritex faces strong competition from financial services companies and other companies that offer ba
Page 27 - Veritex is subject to certain operational risks, including, but not limited to, customer or employee
Page 28 - Veritex has a continuing need for technological change and may not have the resources to effectively
Page 29 - Consumers may decide not to use banks to complete their financial transactions.
Page 30 - Risks Related to Veritex s Industry and Regulation
Page 31 - de novoDe novode novo
Page 32 - The Federal Reserve may require Veritex to commit capital resources to support the Bank.
Page 33 - If securities or industry analysts change their recommendations regarding Veritex s common stock or
Page 34 - Veritex depends on the Bank for cash flow, and the Bank s ability to make cash distributions is rest
Page 35 - Shareholders may be deemed to be acting in concert or otherwise in control of Veritex, which could i
Page 36 - ITEM 2. PROPERTIES
Page 37 - Unregistered Sales of Equity Securities
Page 38 - N/A
Page 39 - ITEM 6. SELECTED FINANCIAL DATA
Page 40 - N/A
Page 41 - ITEM 7. MANAGEMENT S DISCUSSION AND ANALYSISOF FINANCIAL CONDITION AND RESULTS OF OPERATIONS.
Page 42 - Anticipated Trends
Page 43 - N/A
Page 44 - Provision for Loan Losses
Page 45 - Service charges and fees on deposit accounts.
Page 46 - Noninterest Expense
Page 47 - Professional and regulatory fees.
Page 48 - Net Interest Income
Page 49 - N/A
Page 50 - Provision for Loan Losses
Page 51 - Service charges and fees on deposit accounts.
Page 52 - Salaries and employee benefits.
Page 53 - Other.
Page 54 - Commercial.
Page 55 - Nonperforming Assets
Page 56 - N/A
Page 57 - Potential Problem Loans
Page 58 - Allowance for Loan Losses
Page 59 - N/A
Page 60 - Securities
Page 61 - N/A
Page 62 - Deposits
Page 63 - Borrowings
Page 64 - Federal Reserve Bank of Dallas.
Page 65 - Subordinated notes.
Page 66 - Liquidity and Capital Resources
Page 67 - Analysis of Cash Flows
Page 68 - Contractual Obligations
Page 69 - Off-Balance Sheet Items
Page 70 - Impact of Inflation
Page 71 - Tangible Book Value Per Common Share.
Page 72 - Critical Accounting Policies
Page 73 - Investment Securities
Page 74 - N/A
Page 75 - ITEM 7A. QUANTITATIVE AND QUALITATIVEDISCLOSURES ABOUT MARKET RISK
Page 76 - ITEM 8. FINANCIAL STATEMENTS ANDSUPPLEMENTARY DATA
Page 77 - ITEM 9A. CONTROLS AND PROCEDURES
Page 78 - Report of Independent Registered Public Accounting Firm
Page 79 - ITEM 9B. OTHER INFORMATION
Page 80 - PART III
Page 81 - REPORTOF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
Page 82 - VERITEX HOLDINGS, INC. AND SUBSIDIARY
Page 83 - VERITEX HOLDINGS, INC. AND SUBSIDIARY
Page 84 - VERITEX HOLDINGS, INC. AND SUBSIDIARY
Page 85 - VERITEX HOLDINGS, INC. AND SUBSIDIARY
Page 86 - VERITEX HOLDINGS, INC. AND SUBSIDIARY
Page 87 - VERITEX HOLDINGS, INC. AND SUBSIDIARY
Page 88 - Cash and Cash Equivalents
Page 89 - N/A
Page 90 - Certain Acquired Loans
Page 91 - Transfers of Financial Assets
Page 92 - Goodwill and Intangible Assets
Page 93 - Income Taxes
Page 94 - Treasury Stock
Page 95 - Earnings Per Share
Page 96 - 3. Recent Accounting Pronouncements
Page 97 - Recent Accounting Pronouncements
Page 98 - 4. Investment Securities
Page 99 - N/A
Page 100 - 5. Loans and Allowance for Loan Losses
Page 101 - Non-Accrual and Past Due Loans
Page 102 - Impaired Loans
Page 103 - Troubled Debt Restructuring
Page 104 - Credit Quality Indicators
Page 105 - N/A
Page 106 - N/A
Page 107 - N/A
Page 108 - Servicing Assets
Page 109 - 6. Bank Premises and Equipment
Page 110 - 8. Intangible Assets
Page 111 - 10. Deposits
Page 112 - 13. Borrowed Funds
Page 113 - Subordinated Notes
Page 114 - 15. Commitments and Contingencies
Page 115 - Lessee: Operating Leases
Page 116 - Lessor: Operating Leases
Page 117 - 16. Fair Value Disclosures
Page 118 - Investment Securities Available for Sale:
Page 119 - Fair Value of Financial Instruments
Page 120 - Non-marketable equity securities:
Page 121 - 17. Financial Instruments with Off-Balance Sheet Risk
Page 122 - 18. Employee Benefits
Page 123 - 19. Stock and Incentive Plans
Page 124 - N/A
Page 125 - 2014 Omnibus Plan
Page 126 - N/A
Page 127 - 20. Significant Concentrations of Credit Risk
Page 128 - 21. Related Party Transactions
Page 129 - N/A
Page 130 - 24. Business Combinations
Page 131 - Sovereign Bancshares, Inc.
Page 132 - Acquisition-related Expenses
Page 133 - Redemption of Veritex Series D Preferred Stock
Page 134 - Acquisition-related Expenses
Page 135 - Pro Forma Information (unaudited)
Page 136 - 26. Parent Company Only Financial Statements
Page 137 - Statements of Income
Page 138 - Statements of Cash Flows
Page 139 - 27. Summary of Quarterly Financial Statements (Unaudited)
Page 140 - 28. Subsequent Events
Page 141 - Exhibit Index
Page 142 - SIGNATURES
Subdocument 2 - EX-21.1 - EXHIBIT 21.1
Page 1 - N/A
Subdocument 3 - EX-23.1 - EXHIBIT 23.1
Page 1 - N/A
Subdocument 4 - EX-31.1 - EXHIBIT 31.1
Page 1 - N/A
Subdocument 5 - EX-31.2 - EXHIBIT 31.2
Page 1 - N/A
Subdocument 6 - EX-32.1 - EXHIBIT 32.1
Page 1 - N/A
Subdocument 7 - EX-32.2 - EXHIBIT 32.2
Page 1 - N/A
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