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Income Statement

Investor Relations

Financial Highlights
3/31/2017
3/31/2018
6/30/2018
12/31/2018
Interest Income 10,596 11,055 12,938 55,377
Interest Expense 1,430 1,746 2,125 8,247
Net Interest Income 9,166 9,309 10,813 47,130
FTE Net Interest Income 9,223 9,359 10,867 47,400
Provision for Loan Losses 150 50 100 500
Trading Account Income 0 0 0 0
Foreign Exchange Income 0 0 0 0
Trust Revenue 0 0 0 0
Service Charges on Deposits 272 269 323 1,441
Gain on Sale of Loans (FAS 140) 358 228 360 1,950
Loan Fees & Charges 289 189 278 1,486
Bank-owned Life Insurance Revenue NA NA NA NA
Insurance Revenue 0 0 0 0
Investment Banking & Brokerage 0 0 0 0
Other Noninterest Income (143) (72) (98) (614)
Total Noninterest Income 776 614 863 4,263
Realized Gain on Securities 0 0 0 0
Nonrecurring Revenue 0 0 0 0
Compensation & Benefits 3,797 4,154 4,923 20,064
Occupancy & Equipment 1,266 1,342 1,572 6,188
Marketing and Promotion Expense 123 195 192 905
Professional Fees 321 304 397 1,575
Tech & Communications Expense 618 659 738 3,229
Amrt of Intang & Goodwill Impair 62 62 86 450
Foreclosure & Repo 12 26 40 182
Other Expense 978 933 1,153 4,640
Total Noninterest Expense 7,177 7,675 9,101 37,233
Nonrecurring Expense 0 253 1,976 3,067
Pre-Provision Net Revenue 2,822 2,298 2,629 14,430
Non-FTE Pre-Provision Net Revenue 2,765 2,248 2,575 14,160
Net Income before Taxes 2,615 1,945 499 10,593
Provision for Taxes 889 408 103 2,226
Effective Tax Rate(%) 34 20.98 20.64 21.01
Min Int & Oth after-tax Items 0 0 0 0
Extraordinary Items 0 0 0 0
Net Income 1,726 1,537 396 8,367
Net Income Attributable to Noncontrolling Int 0 0 0 0
Net Income Attributable to Parent 1,726 1,537 396 8,367
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 1,726 1,537 396 8,367
Net Income for Diluted EPS 1,726 1,537 396 8,367
EPS after Extra($) 0.28 0.24 0.05 0.94
EPS after Extra Growth(%) 55.60 (14.30) (81.50) 8
Pre-Provision Earnings per Share($) 0.29 0.28 0.26 1.26
Comprehensive Income
Net Income 1,726 1,537 396 8,367
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0
Total Other Comprehensive Income 330 (424) 1,100 (171)
Comprehensive Income 2,056 1,113 1,496 8,196
Interest Income Earned On:
Interest Earned on Loans 10,007 10,445 12,136 51,563
Int Inc: Securities 519 460 660 2,983
Int Inc: Other Earn Assets 128 200 196 1,101
Int Inc: Secs & Oth Earn Assets 647 660 856 4,084
Int Inc: Total Earn Assets 10,654 11,105 12,992 55,647
Interest Expense Incurred On:
Int Exp: CDs 746 1,000 1,365 5,380
Int Exp: Other Deposits 214 236 237 1,112
Int Exp: Total Deposits 960 1,236 1,602 6,492
Int Exp: Debt 471 510 523 1,755
Int Exp: Total Int-bearing Liab 1,431 1,746 2,125 8,247
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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