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 48,618 55,377 44,376 37,983 33,513
Interest Expense 8,061 8,247 6,438 4,885 4,393
Net Interest Income 40,557 47,130 37,938 33,098 29,120
FTE Net Interest Income 40,760 47,400 38,140 33,244 29,210
Provision for Loan Losses 350 500 625 600 1,204
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 1,197 1,441 1,056 995 836
Gain on Sale of Loans (FAS 140) 1,903 1,950 2,240 2,472 1,681
Loan Fees & Charges 1,739 1,486 1,341 1,535 1,588
Bank-owned Life Insurance Revenue NA NA NA NA NA
Insurance Revenue 0 0 0 0 0
Investment Banking & Brokerage 0 0 0 0 0
Other Noninterest Income (734) (614) (827) (999) (671)
Total Noninterest Income 4,105 4,263 3,810 4,003 3,434
Realized Gain on Securities 0 0 231 150 455
Nonrecurring Revenue 0 0 0 0 0
Compensation & Benefits 16,615 20,064 15,490 14,625 12,449
Occupancy & Equipment 5,281 6,188 5,313 4,429 3,975
Marketing and Promotion Expense 726 905 711 620 507
Professional Fees 1,517 1,575 1,534 1,169 1,270
Tech & Communications Expense 2,883 3,229 2,641 2,148 1,836
Amrt of Intang & Goodwill Impair 509 450 249 197 121
Foreclosure & Repo 77 182 388 202 332
Other Expense 3,343 4,640 3,960 3,394 3,386
Total Noninterest Expense 30,951 37,233 30,286 26,784 23,876
Nonrecurring Expense 0 3,067 50 3,101 0
Pre-Provision Net Revenue 13,914 14,430 11,664 10,463 8,768
Non-FTE Pre-Provision Net Revenue 13,711 14,160 11,462 10,317 8,678
Net Income before Taxes 13,361 10,593 11,018 6,766 7,929
Provision for Taxes 2,806 2,226 5,539 2,283 2,333
Effective Tax Rate(%) 21 21.01 50.27 33.74 29.42
Min Int & Oth after-tax Items 0 0 0 0 0
Extraordinary Items 0 0 0 0 0
Net Income 10,555 8,367 5,479 4,483 5,596
Net Income Attributable to Noncontrolling Int 0 0 0 0 0
Net Income Attributable to Parent 10,555 8,367 5,479 4,483 5,596
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 10,555 8,367 5,479 4,483 5,596
Net Income for Diluted EPS 10,555 8,367 5,479 4,483 5,596
EPS after Extra($) 0.98 0.94 0.87 0.72 0.89
EPS after Extra Growth(%) 63.30 8 20.80 (19.10) 196.70
Pre-Provision Earnings per Share($) 1.01 1.26 1.18 1.08 0.90
Comprehensive Income
Net Income 10,555 8,367 5,479 4,483 5,596
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0 0
Total Other Comprehensive Income 1,387 (171) (64) (428) (265)
Comprehensive Income 11,942 8,196 5,415 4,055 5,331
Interest Income Earned On:
Interest Earned on Loans 45,277 51,563 41,913 36,174 32,053
Int Inc: Securities 2,389 2,983 2,058 1,655 1,340
Int Inc: Other Earn Assets 1,156 1,101 607 300 209
Int Inc: Secs & Oth Earn Assets 3,545 4,084 2,665 1,955 1,549
Int Inc: Total Earn Assets 48,822 55,647 44,578 38,129 33,602
Interest Expense Incurred On:
Int Exp: CDs 5,793 5,380 3,501 2,550 2,636
Int Exp: Other Deposits 1,541 1,112 859 772 614
Int Exp: Total Deposits 7,334 6,492 4,360 3,322 3,250
Int Exp: Debt 728 1,755 2,078 1,563 1,142
Int Exp: Total Int-bearing Liab 8,062 8,247 6,438 4,885 4,392
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.