Financial Highlights

Financial Highlights
3/31/2017
3/31/2018
6/30/2018
12/31/2018
Interest Income 7,414 8,851 9,732 39,479
Interest Expense 908 1,151 1,308 6,212
Net Interest Income 6,506 7,700 8,424 33,267
FTE Net Interest Income 6,585 7,737 8,464 33,425
Provision for Loan Losses 0 300 300 600
Trading Account Income NA NA NA 146
Foreign Exchange Income 0 0 0 0
Trust Revenue 667 739 710 2,871
Service Charges on Deposits 640 644 675 2,670
Gain on Sale of Loans (FAS 140) 1,680 1,760 2,208 8,100
Loan Fees & Charges NA NA NA 1,480
Bank-owned Life Insurance Revenue 66 88 89 355
Insurance Revenue NA 0 0 0
Investment Banking & Brokerage NA NA NA 116
Other Noninterest Income 749 1,012 567 816
Total Noninterest Income 3,802 4,243 4,249 16,554
Realized Gain on Securities 0 0 0 70
Nonrecurring Revenue 0 0 0 0
Compensation & Benefits 4,531 5,105 5,421 21,532
Occupancy & Equipment 1,201 1,478 1,197 5,286
Marketing and Promotion Expense 195 221 204 884
Professional Fees 363 419 504 1,848
Tech & Communications Expense 486 560 546 2,306
Amrt of Intang & Goodwill Impair 3 2 3 10
Foreclosure & Repo NA NA NA NA
Other Expense 603 642 704 2,781
Total Noninterest Expense 7,382 8,427 8,579 34,647
Nonrecurring Expense 0 200 0 200
Pre-Provision Net Revenue 3,005 3,553 4,134 15,332
Non-FTE Pre-Provision Net Revenue 2,926 3,516 4,094 15,174
Net Income before Taxes 2,926 3,016 3,794 14,444
Provision for Taxes 933 563 687 2,806
Effective Tax Rate(%) 31.89 18.67 18.11 19.43
Min Int & Oth after-tax Items 0 0 0 0
Extraordinary Items 0 0 0 0
Net Income 1,993 2,453 3,107 11,638
Net Income Attributable to Noncontrolling Int 0 0 0 0
Net Income Attributable to Parent 1,993 2,453 3,107 11,638
Preferred Dividends 244 244 244 975
Other Preferred Dividends after Net Income 0 0 0 0
Other Changes to Net Income 0 0 0 0
Net Income Avail to Common 1,749 2,209 2,863 10,663
Net Income for Diluted EPS 1,993 2,453 3,107 11,638
EPS after Extra($) 0.31 0.35 0.40 1.51
EPS after Extra Growth(%) 19.20 12.90 8.10 2
Pre-Provision Earnings per Share($) 0.30 0.40 0.42 1.56
Comprehensive Income
Net Income 1,993 2,453 3,107 11,638
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0
Total Other Comprehensive Income 85 (800) (299) (411)
Comprehensive Income 2,078 1,653 2,808 11,227
Interest Income Earned On:
Interest Earned on Loans 6,830 NA NA NA
Int Inc: Securities 663 NA NA NA
Int Inc: Other Earn Assets 0 0 0 0
Int Inc: Secs & Oth Earn Assets 663 NA NA NA
Int Inc: Total Earn Assets 7,493 8,888 9,771 39,637
Interest Expense Incurred On:
Int Exp: CDs 576 719 788 3,560
Int Exp: Other Deposits 172 256 303 1,754
Int Exp: Total Deposits 748 975 1,091 5,314
Int Exp: Debt 160 176 217 898
Int Exp: Total Int-bearing Liab 908 1,151 1,308 6,212
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.