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Covenant Logistics Group, Inc. (NYSE:CVLG) Q2 2025 Earnings Call July 24, 2025 10:00 AM ET Company Participants David Ray Parker - Chairman of the Board & CEO James S. Grant - Executive VP & CFO M. Paul Bunn - President Conference Call Participants Daniel Robert Imbro - Stephens Inc., Research Division David Floyd - Unidentified Company Elliot Andrew Alper - TD Cowen, Research Division Jeffrey Asher Kauffman - Vertical Research Partners, LLC Scott H. Group - Wolfe Research, LLC Operator Welcome to today's C ...

Earnings and Profitability - The company reported earnings per share (EPS) of $0.83 and net income of $31.9 million[8] - Return on Assets (ROA) was 1.32% and Return on Equity (ROE) was 8.91%[8] - Return on Average Tangible Shareholders' Equity (ROTE) reached 12.12%, while Pre-Provision Net Revenue (PPNR) was 1.73%[8] Balance Sheet - Loan growth amounted to $98.1 million, representing an annualized growth rate of 5.02%[8, 18] - Deposit growth was $28.0 million, with an annualized growth rate of 1.42%[8, 18] - The company's total deposits reached $7.921 billion in 2Q25, compared to $7.893 billion in 1Q25[15] Asset Quality - The Allowance for Credit Losses (ACL) ratio was 1.24%[8, 26] - Net loan charge-offs were $1.2 million, or 0.06% of total loans[8, 26] - Nonperforming Assets (NPAs) represented 0.27% of total portfolio loans plus OREO[8, 26] Net Interest Income - Net interest income grew by $3.3 million, a 3.90% increase compared to 1Q25[10, 32] - Net Interest Margin (NIM) expanded by 7 basis points to 3.88%[8, 10, 32] Noninterest Income and Expense - Noninterest income totaled $13.5 million, a $3.1 million increase compared to 1Q25[34] - Noninterest expense was $58.1 million, a $3.0 million increase compared to 1Q25, primarily due to higher salaries & benefits[39] Capital Adequacy - Tangible Common Equity (TCE) to Tangible Assets (TA) ratio was 11.34%[44, 49]

Financial Highlights - Heritage Financial Corporation's assets reached $7.1 billion[16] - Deposits totaled $5.8 billion[16] - Loans receivable amounted to $4.8 billion[16] - Net income was $12.2 million[16] - The net interest margin stood at 3.51%[16] Capital and Ratios - The market capitalization was $863 million as of July 7, 2025[16] - The leverage ratio was 10.3%[16] - The total capital ratio was 13.6%[16] Loan Portfolio - Loans by Seattle MSA accounted for 48.6% which is $2,319 million of the total loan portfolio[27] - Loans by Portland OR-WA MSA accounted for 15.2% which is $728 million of the total loan portfolio[27] Deposit Portfolio - Deposits by Seattle WA MSA accounted for 44.0% which is $2,545 million of the total deposit portfolio[27] - Deposits by Portland OR-WA MSA accounted for 14.6% which is $841 million of the total deposit portfolio[27] - Noninterest demand deposits represented 27.4% of total deposits as of June 30, 2025[19] Investment Portfolio - Investment cashflows are estimated to be $543 million through Q2 of 2028[88]

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NBC News NOW is live, reporting breaking news and developing stories in real time. We are on the scene, covering the most important stories of the day and taking deep dives on issues you care about. For more context and news coverage of the most important stories of our day, click here: https://www.nbcnews.com » Subscribe to NBC News: http://nbcnews.to/SubscribeToNBC » Watch more NBC video: http://bit.ly/MoreNBCNews NBC News Digital is a collection of innovative and powerful news brands that deliver compell ...

Let's begin with NBC News White House correspondent Monica Alba, NBC News justice and intelligence correspondent Tom Winter, Jake Sherman from Punch Bowl News, and Ashley Parker from The Atlantic. Monica, what do we know about today's expected interview with Helain Maxwell. Well, we knew that this really started to become a reality a few days ago when Attorney General Pam Bondi says she directed Deputy Attorney General Todd Blanch to seek out this meeting with Gileain Maxwell, who is of course serving a 20- ...

When was the last time you were allowed to make a mistake without any consequences. I was probably 10 and cute enough to get away with it. But that's pretty rare because real life doesn't give us much room for trial and error, right.We're expected to get things right the first time, get things perfect the first time without ever having a safe place to practice beforehand. And because we don't know how people are going to respond to us and our actions, we wait and wait for that right moment to strike or we p ...

[Müzik] Merhabalar. Eee, sizden yıllar önce ben de burada bir öğrenci olarak gelen konuşmacıları dinleme heyecanını yaşıyordum. Umarım aynı heyecanı sizler de şu anda yaşıyorsunuzdur.Eee burada kendi okulla sizlerin karşısında olmak benim için mutluluk. Şimdi bugün benim çok önemli gördüğüm ve aslında pek çok meselemizi konuşurken bir başlangıç noktası olarak aşmamız gereken bir engel olarak anladığım bir konuyu gündeme taşımak istiyorum. O da benim akademik olarak kültel hegemonya başlığı adı altında çalış ...

Valley National Bancorp (VLY) Q2 2025 Earnings Call July 24, 2025 11:00 AM ET Company ParticipantsTravis Lan - SEVP & CFOIra Robbins - Chairman & CEOChristopher Mcgratty - MD & Head - U.S. Bank ResearchMark Saeger - EVP & Chief Credit OfficerDavid Smith - Head - Consumer LendingManan Gosalia - Head - U.S. Midcaps Banks ResearchMatthew Breese - Managing DirectorJon Rau - Vice PresidentOperatorGood day, thank you for standing by. Welcome to the Q2 twenty twenty five Valley National Bancorp Earnings Conference ...