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Income Statement

Financial Highlights
3/31/2017
3/31/2018
6/30/2018
12/31/2018
Interest Income 18,850 21,282 22,474 91,766
Interest Expense 1,319 2,336 2,912 13,265
Net Interest Income 17,531 18,946 19,562 78,501
FTE Net Interest Income 18,254 19,377 20,010 80,346
Provision for Loan Losses 1,050 775 750 3,000
Trading Account Income 0 0 0 0
Foreign Exchange Income 0 0 0 0
Trust Revenue 1,678 1,807 1,740 7,126
Service Charges on Deposits 951 1,003 985 4,254
Gain on Sale of Loans (FAS 140) 607 487 606 2,729
Loan Fees & Charges NA NA NA NA
Bank-owned Life Insurance Revenue 201 222 219 881
Insurance Revenue 674 699 713 2,621
Investment Banking & Brokerage 222 256 315 1,103
Other Noninterest Income 1,541 1,518 1,701 6,514
Total Noninterest Income 5,874 5,992 6,279 25,228
Realized Gain on Securities 13 18 27 271
Nonrecurring Revenue 0 0 0 0
Compensation & Benefits 8,287 8,738 8,828 35,976
Occupancy & Equipment 1,587 1,704 1,611 6,478
Marketing and Promotion Expense 244 275 379 1,559
Professional Fees 747 698 737 2,856
Tech & Communications Expense 1,185 976 1,032 4,134
Amrt of Intang & Goodwill Impair 365 354 355 1,418
Foreclosure & Repo 33 (30) 14 (16)
Other Expense 2,008 2,356 2,502 10,467
Total Noninterest Expense 14,456 15,071 15,458 62,872
Nonrecurring Expense 62 25 0 (155)
Pre-Provision Net Revenue 9,672 10,298 10,831 42,702
Non-FTE Pre-Provision Net Revenue 8,949 9,867 10,383 40,857
Net Income before Taxes 7,850 9,085 9,660 38,283
Provision for Taxes 2,067 1,359 1,587 5,714
Effective Tax Rate(%) 26.33 14.96 16.43 14.93
Min Int & Oth after-tax Items 0 0 0 0
Extraordinary Items 0 0 0 0
Net Income 5,783 7,726 8,073 32,569
Net Income Attributable to Noncontrolling Int 0 0 0 0
Net Income Attributable to Parent 5,783 7,726 8,073 32,569
Preferred Dividends 0 0 0 0
Other Preferred Dividends after Net Income 0 0 0 0
Other Changes to Net Income 0 0 0 0
Net Income Avail to Common 5,783 7,726 8,073 32,569
Net Income for Diluted EPS 5,783 7,726 8,073 32,569
EPS after Extra($) 0.21 0.28 0.29 1.16
EPS after Extra Growth(%) 16.70 33.30 38.10 41.50
Pre-Provision Earnings per Share($) 0.21 0.28 0.29 1.15
Comprehensive Income
Net Income 5,783 7,726 8,073 32,569
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0
Total Other Comprehensive Income 234 (7,022) (205) (4,457)
Comprehensive Income 6,017 704 7,868 28,112
Interest Income Earned On:
Interest Earned on Loans 16,638 18,509 19,636 80,192
Int Inc: Securities 2,872 3,059 3,119 12,775
Int Inc: Other Earn Assets 63 145 167 644
Int Inc: Secs & Oth Earn Assets 2,935 3,204 3,286 13,419
Int Inc: Total Earn Assets 19,573 21,713 22,922 93,611
Interest Expense Incurred On:
Int Exp: CDs 500 813 957 4,212
Int Exp: Other Deposits 414 598 766 3,927
Int Exp: Total Deposits 914 1,411 1,723 8,139
Int Exp: Debt 405 925 1,189 5,126
Int Exp: Total Int-bearing Liab 1,319 2,336 2,912 13,265
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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