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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 49,172 59,241 53,315 49,295 47,552
Interest Expense 11,628 12,054 9,199 7,820 7,497
Net Interest Income 37,544 47,187 44,116 41,475 40,055
FTE Net Interest Income 37,877 47,762 45,353 42,633 41,166
Provision for Loan Losses 125 0 550 166 0
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 1,341 1,646 NA 2,420 2,269
Gain on Sale of Loans (FAS 140) 0 118 0 0 69
Loan Fees & Charges 55 68 60 57 53
Bank-owned Life Insurance Revenue 546 735 758 719 751
Insurance Revenue 31 47 60 41 42
Investment Banking & Brokerage 262 364 270 258 221
Other Noninterest Income 1,347 1,415 3,158 484 1,204
Total Noninterest Income 3,582 4,393 4,306 3,979 4,609
Realized Gain on Securities 274 70 210 634 472
Nonrecurring Revenue 120 0 0 0 0
Compensation & Benefits 15,898 21,477 19,423 18,261 18,141
Occupancy & Equipment 3,711 4,586 4,274 3,736 3,627
Marketing and Promotion Expense 438 613 656 499 651
Professional Fees NA NA 345 448 NA
Tech & Communications Expense 1,900 2,520 3,044 2,736 2,423
Amrt of Intang & Goodwill Impair 0 0 898 1,907 1,908
Foreclosure & Repo 600 113 162 175 1,275
Other Expense 4,304 5,568 5,174 4,422 9,151
Total Noninterest Expense 26,851 34,877 33,976 32,184 37,176
Nonrecurring Expense 210 0 0 0 13,084
Pre-Provision Net Revenue 14,608 17,278 15,683 14,428 8,599
Non-FTE Pre-Provision Net Revenue 14,275 16,703 14,446 13,270 7,488
Net Income before Taxes 14,334 16,773 14,106 13,738 (5,124)
Provision for Taxes 2,674 3,085 6,903 3,816 (2,627)
Effective Tax Rate(%) 18.65 18.39 48.94 27.78 NM
Min Int & Oth after-tax Items 0 0 0 0 0
Extraordinary Items 0 0 0 0 0
Net Income 11,660 13,688 7,203 9,922 (2,497)
Net Income Attributable to Noncontrolling Int 0 0 0 0 0
Net Income Attributable to Parent 11,660 13,688 7,203 9,922 (2,497)
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 11,660 13,688 7,203 9,922 (2,497)
Net Income for Diluted EPS 11,660 13,688 7,203 9,922 (2,497)
EPS after Extra($) 0.52 0.61 0.32 0.45 (0.11)
EPS after Extra Growth(%) 13 90.60 (28.90) NM NM
Pre-Provision Earnings per Share($) 0.50 0.59 0.42 0.39 0.21
Comprehensive Income
Net Income 11,660 13,688 7,203 9,922 (2,497)
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0 0
Total Other Comprehensive Income 4,016 (1,322) 1,259 (634) (1,253)
Comprehensive Income 15,676 12,366 8,462 9,288 (3,750)
Interest Income Earned On:
Interest Earned on Loans 43,123 51,513 46,034 42,228 39,865
Int Inc: Securities 6,068 7,995 8,321 8,103 8,737
Int Inc: Other Earn Assets 314 308 197 122 61
Int Inc: Secs & Oth Earn Assets 6,382 8,303 8,518 8,225 8,798
Int Inc: Total Earn Assets 49,505 59,816 54,552 50,453 48,663
Interest Expense Incurred On:
Int Exp: CDs 9,333 8,745 6,757 5,510 5,025
Int Exp: Other Deposits 1,188 1,512 1,140 872 958
Int Exp: Total Deposits 10,521 10,257 7,897 6,382 5,983
Int Exp: Debt 1,107 1,797 1,302 1,438 1,514
Int Exp: Total Int-bearing Liab 11,628 12,054 9,199 7,820 7,497
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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