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Income Statement

Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Interest Income 76,139 91,766 80,527 72,498 53,827
Interest Expense 14,926 13,265 6,881 4,378 4,090
Net Interest Income 61,213 78,501 73,646 68,120 49,737
FTE Net Interest Income 62,813 80,346 76,815 70,699 51,881
Provision for Loan Losses 1,850 3,000 3,350 3,870 3,510
Trading Account Income 0 0 0 0 0
Foreign Exchange Income 0 0 0 0 0
Trust Revenue 5,584 7,126 6,431 6,235 6,156
Service Charges on Deposits 3,375 4,254 4,077 4,010 3,253
Gain on Sale of Loans (FAS 140) 2,869 2,729 3,066 2,843 1,101
Loan Fees & Charges NA NA NA NA NA
Bank-owned Life Insurance Revenue 626 881 831 814 702
Insurance Revenue 2,223 2,621 2,407 1,560 569
Investment Banking & Brokerage 971 1,103 919 1,210 1,172
Other Noninterest Income 5,321 6,514 6,369 6,261 5,259
Total Noninterest Income 20,969 25,228 24,100 22,933 18,212
Realized Gain on Securities 14 271 4 73 94
Nonrecurring Revenue (28) 0 (53) 238 0
Compensation & Benefits 28,044 35,976 34,759 31,908 26,638
Occupancy & Equipment 4,982 6,478 6,292 6,615 5,452
Marketing and Promotion Expense 1,129 1,559 1,527 1,462 1,479
Professional Fees 2,335 2,856 2,891 2,757 3,180
Tech & Communications Expense 3,207 4,134 5,476 4,802 4,459
Amrt of Intang & Goodwill Impair 980 1,418 1,494 1,461 983
Foreclosure & Repo 59 (16) 20 277 286
Other Expense 8,275 10,467 7,684 9,607 5,110
Total Noninterest Expense 49,011 62,872 60,143 58,889 47,587
Nonrecurring Expense 93 (155) 1,043 563 6,392
Pre-Provision Net Revenue 34,771 42,702 40,772 34,743 22,506
Non-FTE Pre-Provision Net Revenue 33,171 40,857 37,603 32,164 20,362
Net Income before Taxes 31,214 38,283 33,161 28,042 10,554
Provision for Taxes 5,129 5,714 10,450 7,485 2,499
Effective Tax Rate(%) 16.43 14.93 31.51 26.69 23.68
Min Int & Oth after-tax Items 0 0 0 0 0
Extraordinary Items 0 0 0 0 0
Net Income 26,085 32,569 22,711 20,557 8,055
Net Income Attributable to Noncontrolling Int 0 0 0 0 0
Net Income Attributable to Parent 26,085 32,569 22,711 20,557 8,055
Preferred Dividends 0 0 0 0 0
Other Preferred Dividends after Net Income 0 0 0 0 0
Other Changes to Net Income 0 0 0 0 0
Net Income Avail to Common 26,085 32,569 22,711 20,557 8,055
Net Income for Diluted EPS 26,085 32,569 22,711 20,557 8,055
EPS after Extra($) 0.94 1.16 0.82 0.76 0.36
EPS after Extra Growth(%) 10.60 41.50 7.90 111.10 (25)
Pre-Provision Earnings per Share($) 0.94 1.15 0.88 0.77 0.59
Comprehensive Income
Net Income 26,085 32,569 22,711 20,557 8,055
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0 0
Total Other Comprehensive Income 15,024 (4,457) 3,281 (2,924) (960)
Comprehensive Income 41,109 28,112 25,992 17,633 7,095
Interest Income Earned On:
Interest Earned on Loans 66,792 80,192 70,573 63,757 45,242
Int Inc: Securities 10,388 12,775 12,729 11,154 10,700
Int Inc: Other Earn Assets 559 644 394 166 29
Int Inc: Secs & Oth Earn Assets 10,947 13,419 13,123 11,320 10,729
Int Inc: Total Earn Assets 77,739 93,611 83,696 75,077 55,971
Interest Expense Incurred On:
Int Exp: CDs 7,233 4,212 2,565 1,835 2,610
Int Exp: Other Deposits 5,266 3,927 1,925 1,386 879
Int Exp: Total Deposits 12,499 8,139 4,490 3,221 3,489
Int Exp: Debt 2,427 5,126 2,391 1,157 601
Int Exp: Total Int-bearing Liab 14,926 13,265 6,881 4,378 4,090
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
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