National Bank Holdings Corporation (NBHC) CEO Tim Laney on Q3 2019 Results - Earnings Call Transcript

National Bank Holdings Corporation (NYSE:NBHC) Q3 2019 Earnings Conference Call October 23, 2019 11:00 AM ET

Company Participants

Tim Laney - Chairman, President & CEO
Aldis Birkans - CFO
Rick Newfield - Chief Risk Management Officer

Conference Call Participants

Jeff Rulis - DA Davidson
Gordon McGuire - Stephens
Bob Shone - Piper Jaffray
Kelly Motta - KBW
Tim O'Brien - Sandler O'Neill

Operator

Good morning, everyone, and welcome to the National Bank Holdings Corporation 2019 Third Quarter Earnings Call. My name is Mariama and I will be your conference operator for today.

At this time, all participants are in a listen-only mode. We will conduct a question-and-answer session following the prepared remarks. As a reminder, this conference is being recorded for replay purposes.

I would like to remind you that this conference call will contain forward-looking statements, including statements regarding the Company's loans and loan growth, deposits, strategic capital, potential income streams, gross margin, taxes and non-interest expense. Actual results could differ materially from those discussed today. These forward-looking statements are subject to risks and uncertainties and other factors, which are disclosed in more detail in the Company's most recent filings with the US Securities and Exchange Commission. These statements speak only as of the date of this call and National Bank Holdings Corporation undertakes no obligation to update or revise these statements.

It is now my pleasure to turn the call over and introduce National Bank Holdings Corporation's Chairman, President and CEO, Mr. Tim Laney.

Tim Laney

Thank you, Mariama. Good morning and thank you for joining National Bank Holdings third quarter 2019 earnings call. I have with me, our Chief Financial Officer, Aldis Birkans and Rick Newfield, our Chief Risk Management Officer. We're pleased to report another record quarter of earnings on the strength of solid loan balance growth, strong growth in non-interest bearing deposits and