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Income Statement

Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Interest Income 15,946 65,449 59,241 53,315 49,295
Interest Expense 3,708 15,492 12,054 9,199 7,820
Net Interest Income 12,238 49,957 47,187 44,116 41,475
FTE Net Interest Income 12,330 50,377 47,762 45,353 42,633
Provision for Loan Losses 3,300 325 0 550 166
Trading Account Income 0 0 0 0 0
Foreign Exchange Income 0 0 0 0 0
Trust Revenue 0 0 0 0 0
Service Charges on Deposits 454 1,833 1,646 NA 2,420
Gain on Sale of Loans (FAS 140) 11 14 118 0 0
Loan Fees & Charges 24 78 68 60 57
Bank-owned Life Insurance Revenue 174 724 735 758 719
Insurance Revenue 5 41 47 60 41
Investment Banking & Brokerage 72 399 364 270 258
Other Noninterest Income 634 1,910 1,415 3,158 484
Total Noninterest Income 1,374 4,999 4,393 4,306 3,979
Realized Gain on Securities (39) 235 70 210 634
Nonrecurring Revenue 0 120 0 0 0
Compensation & Benefits 5,152 21,378 21,477 19,423 18,261
Occupancy & Equipment 1,199 4,834 4,586 4,274 3,736
Marketing and Promotion Expense 96 526 613 656 499
Professional Fees NA NA NA 345 448
Tech & Communications Expense 592 NA 2,520 3,044 2,736
Amrt of Intang & Goodwill Impair 0 0 0 898 1,907
Foreclosure & Repo 6 656 113 162 175
Other Expense 1,549 8,125 5,568 5,174 4,422
Total Noninterest Expense 8,594 35,519 34,877 33,976 32,184
Nonrecurring Expense 0 210 0 0 0
Pre-Provision Net Revenue 5,110 19,857 17,278 15,683 14,428
Non-FTE Pre-Provision Net Revenue 5,018 19,437 16,703 14,446 13,270
Net Income before Taxes 1,679 19,257 16,773 14,106 13,738
Provision for Taxes 264 3,552 3,085 6,903 3,816
Effective Tax Rate(%) 15.72 18.45 18.39 48.94 27.78
Min Int & Oth after-tax Items 0 0 0 0 0
Extraordinary Items 0 0 0 0 0
Net Income 1,415 15,705 13,688 7,203 9,922
Net Income Attributable to Noncontrolling Int 0 0 0 0 0
Net Income Attributable to Parent 1,415 15,705 13,688 7,203 9,922
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 1,415 15,705 13,688 7,203 9,922
Net Income for Diluted EPS 1,415 15,705 13,688 7,203 9,922
EPS after Extra($) 0.06 0.70 0.61 0.32 0.45
EPS after Extra Growth(%) (62.50) 14.80 90.60 (28.90) NM
Pre-Provision Earnings per Share($) 0.17 0.68 0.59 0.42 0.39
Comprehensive Income
Net Income 1,415 15,705 13,688 7,203 9,922
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0 0
Total Other Comprehensive Income 205 3,244 (1,322) 1,259 (634)
Comprehensive Income 1,620 18,949 12,366 8,462 9,288
Interest Income Earned On:
Interest Earned on Loans 14,183 57,593 51,513 46,034 42,228
Int Inc: Securities 1,786 7,871 7,995 8,321 8,103
Int Inc: Other Earn Assets 69 405 308 197 122
Int Inc: Secs & Oth Earn Assets 1,855 8,276 8,303 8,518 8,225
Int Inc: Total Earn Assets 16,038 65,869 59,816 54,552 50,453
Interest Expense Incurred On:
Int Exp: CDs 3,045 12,422 8,745 6,757 5,510
Int Exp: Other Deposits 374 1,614 1,512 1,140 872
Int Exp: Total Deposits 3,419 14,036 10,257 7,897 6,382
Int Exp: Debt 289 1,456 1,797 1,302 1,438
Int Exp: Total Int-bearing Liab 3,708 15,492 12,054 9,199 7,820
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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