Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Interest Income 45,395 180,670 159,686 138,727 117,048
Interest Expense 13,648 60,396 44,523 27,586 20,613
Net Interest Income 31,747 120,274 115,163 111,141 96,435
FTE Net Interest Income 32,321 122,871 116,740 112,225 97,356
Provision for Loan Losses 20,000 4,000 3,550 5,850 7,500
Trading Account Income 0 0 0 0 0
Foreign Exchange Income 0 0 0 0 0
Trust Revenue 9,738 37,508 32,356 22,273 17,551
Service Charges on Deposits 816 3,488 3,502 3,239 3,252
Gain on Sale of Loans (FAS 140) 1,343 2,856 (2,422) 2,377 2,866
Loan Fees & Charges NA 1,734 1,673 1,568 1,546
Bank-owned Life Insurance Revenue 328 1,321 1,381 1,294 1,407
Insurance Revenue 69 262 226 280 176
Investment Banking & Brokerage 148 593 663 630 515
Other Noninterest Income 1,877 6,817 4,265 1,704 1,481
Total Noninterest Income 14,319 54,579 41,644 33,365 28,794
Realized Gain on Securities 198 117 (393) 0 119
Nonrecurring Revenue 0 0 3,000 1,262 0
Compensation & Benefits 19,226 70,129 62,483 53,956 45,003
Occupancy & Equipment 4,043 14,735 13,497 11,988 11,245
Marketing and Promotion Expense 340 1,363 1,340 1,108 824
Professional Fees 974 4,306 4,328 4,486 3,459
Tech & Communications Expense 324 1,361 1,077 998 976
Amrt of Intang & Goodwill Impair 324 1,043 1,187 321 124
Foreclosure & Repo 0 0 290 0 (5)
Other Expense 3,004 11,711 13,283 12,754 13,481
Total Noninterest Expense 28,235 104,648 97,485 85,611 75,107
Nonrecurring Expense 0 200 659 0 0
Pre-Provision Net Revenue 18,405 72,802 60,899 59,979 51,043
Non-FTE Pre-Provision Net Revenue 17,831 70,205 59,322 58,895 50,122
Net Income before Taxes (1,971) 66,122 57,720 54,307 42,741
Provision for Taxes (3,344) 18,688 13,550 17,810 16,264
Effective Tax Rate(%) NM 28.26 23.48 32.80 38.05
Min Int & Oth after-tax Items 0 0 0 0 0
Extraordinary Items 0 0 0 0 0
Net Income 1,373 47,434 44,170 36,497 26,477
Net Income Attributable to Noncontrolling Int 0 0 0 0 0
Net Income Attributable to Parent 1,373 47,434 44,170 36,497 26,477
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 1,373 47,434 44,170 36,497 26,477
Net Income for Diluted EPS 1,373 47,434 44,170 36,497 26,477
EPS after Extra($) 0.07 2.44 2.31 2.03 1.60
EPS after Extra Growth(%) (87.90) 5.60 13.80 26.90 24
Pre-Provision Earnings per Share($) 0.72 2.85 2.45 2.13 1.97
Comprehensive Income
Net Income 1,373 47,434 44,170 36,497 26,477
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0 0
Total Other Comprehensive Income (2,164) 850 (1,260) 534 (1,152)
Comprehensive Income (791) 48,284 42,910 37,031 25,325
Interest Income Earned On:
Interest Earned on Loans 42,827 167,854 149,823 131,753 112,560
Int Inc: Securities 2,590 10,956 9,634 7,037 4,858
Int Inc: Other Earn Assets 552 4,457 1,806 1,021 551
Int Inc: Secs & Oth Earn Assets 3,142 15,413 11,440 8,058 5,409
Int Inc: Total Earn Assets 45,969 183,267 161,263 139,811 117,969
Interest Expense Incurred On:
Int Exp: CDs 3,957 15,435 11,546 9,028 8,265
Int Exp: Other Deposits 7,366 35,743 24,066 13,538 8,410
Int Exp: Total Deposits 11,323 51,178 35,612 22,566 16,675
Int Exp: Debt 2,325 9,218 8,911 5,020 3,938
Int Exp: Total Int-bearing Liab 13,648 60,396 44,523 27,586 20,613
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.