National Bank Holdings Corporation (NBHC) CEO Tim Laney on Q4 2019 Results - Earnings Call Transcript

National Bank Holdings Corporation (NYSE:NBHC) Q4 2019 Results Conference Call January 24, 2020 11:00 AM ET

Company Participants

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

Conference Call Participants

Chris McGratty - KBW
Gordon McGuire - Stephens Inc.
Jake Stern - D.A. Davidson
Andrew Liesch - Piper Sandler

Operator

Good morning everyone and welcome to the National Bank Holdings Corporation 2019 Fourth Quarter Earnings Call. My name is Amy, 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 but not limited to statements regarding the Company’s strategy, loans, deposits, capital, net interest income, non-interest income, margins, allowance, taxes and non-interest expense. Actual results could differ materially from those discussed today. These forward-looking statements are subject to risks, uncertainties and other factors, which are disclosed in more detail in the Company’s most recent filings with the U.S. 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, Amy. Good morning and thank you for joining National Bank Holdings fourth quarter and full-year 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 record full-year earnings of $2.55 per share. We benefit from having strong teams operating