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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 26,412 34,364 30,920 30,507 32,872
Interest Expense 4,185 4,986 3,034 4,596 5,792
Net Interest Income 22,227 29,378 27,886 25,911 27,080
FTE Net Interest Income NA NA NA NA NA
Provision for Loan Losses 210 390 0 0 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 NA 1,615 1,677 1,756 1,970
Gain on Sale of Loans (FAS 140) NA 123 82 NA 105
Loan Fees & Charges NA 9 4 NA NA
Bank-owned Life Insurance Revenue NA NA 389 200 (92)
Insurance Revenue NA 1 16 NA NA
Investment Banking & Brokerage NA 364 473 NA 180
Other Noninterest Income NA 2,597 2,425 3,730 2,863
Total Noninterest Income 4,096 4,709 5,066 5,686 5,026
Realized Gain on Securities 3,829 (1,908) 2,704 2,661 3,067
Nonrecurring Revenue 936 0 316 0 0
Compensation & Benefits NA 18,515 16,117 17,788 15,184
Occupancy & Equipment NA 3,408 3,644 3,434 3,264
Marketing and Promotion Expense NA 338 240 180 361
Professional Fees NA 2,094 1,883 2,082 1,874
Tech & Communications Expense NA 2,662 1,315 1,316 1,289
Amrt of Intang & Goodwill Impair 0 44 38 50 62
Foreclosure & Repo NA 81 (96) 37 327
Other Expense NA 1,927 3,105 340 3,847
Total Noninterest Expense 21,881 29,069 26,246 25,227 26,208
Nonrecurring Expense 0 0 0 4,070 0
Pre-Provision Net Revenue 4,442 5,018 6,706 6,370 5,898
Non-FTE Pre-Provision Net Revenue 4,442 5,018 6,706 6,370 5,898
Net Income before Taxes 8,997 2,720 9,726 4,961 8,965
Provision for Taxes 1,616 (218) 2,448 946 2,480
Effective Tax Rate(%) 17.96 (8.01) 25.17 19.07 27.66
Min Int & Oth after-tax Items 0 0 0 0 0
Extraordinary Items 0 0 0 0 0
Net Income 7,381 2,938 7,278 4,015 6,485
Net Income Attributable to Noncontrolling Int 0 0 0 0 0
Net Income Attributable to Parent 7,381 2,938 7,278 4,015 6,485
Preferred Dividends 0 0 0 0 273
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 7,381 2,938 7,278 4,015 6,212
Net Income for Diluted EPS 7,381 2,938 7,278 4,015 6,212
EPS after Extra($) 2.68 1.07 2.64 1.46 2.26
EPS after Extra Growth(%) 76.30 (59.50) 80.80 (35.40) (18.10)
Pre-Provision Earnings per Share($) 1.27 1.44 1.58 1.51 1.30
Comprehensive Income
Net Income 7,381 2,938 7,278 4,015 6,485
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0 0
Total Other Comprehensive Income 4,747 (2,783) 1,269 1,842 (1,506)
Comprehensive Income 12,128 155 8,547 5,857 4,979
Interest Income Earned On:
Interest Earned on Loans NA 27,032 23,874 24,237 26,076
Int Inc: Securities NA 7,231 6,926 5,980 6,650
Int Inc: Other Earn Assets NA 101 120 290 146
Int Inc: Secs & Oth Earn Assets NA 7,332 7,046 6,270 6,796
Int Inc: Total Earn Assets 26,412 34,364 30,920 30,507 32,872
Interest Expense Incurred On:
Int Exp: CDs NA 1,748 1,436 2,605 3,191
Int Exp: Other Deposits NA 1,362 779 642 655
Int Exp: Total Deposits NA 3,110 2,215 3,247 3,846
Int Exp: Debt NA 1,876 819 1,349 1,946
Int Exp: Total Int-bearing Liab 4,185 4,986 3,034 4,596 5,792
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.