Financial Highlights
2019 FQ2 YTD
6/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Interest Income 89,166 159,686 138,727 117,048 99,142
Interest Expense 29,891 44,523 27,586 20,613 14,690
Net Interest Income 59,275 115,163 111,141 96,435 84,452
FTE Net Interest Income 60,535 116,740 112,225 97,356 85,039
Provision for Loan Losses 1,250 3,550 5,850 7,500 7,100
Trading Account Income 0 0 0 0 0
Foreign Exchange Income 0 0 0 0 0
Trust Revenue 18,352 32,356 22,273 17,551 16,377
Service Charges on Deposits 1,713 3,502 3,239 3,252 3,323
Gain on Sale of Loans (FAS 140) 1,171 (2,422) 2,377 2,866 535
Loan Fees & Charges 484 937 926 1,546 698
Bank-owned Life Insurance Revenue 664 1,381 1,294 1,407 1,012
Insurance Revenue 125 226 280 176 183
Investment Banking & Brokerage 265 663 630 515 480
Other Noninterest Income 1,853 5,001 2,346 1,481 294
Total Noninterest Income 24,627 41,644 33,365 28,794 22,902
Realized Gain on Securities 128 (393) 0 119 527
Nonrecurring Revenue 0 3,000 1,262 0 285
Compensation & Benefits 34,699 62,483 53,956 45,003 40,278
Occupancy & Equipment 6,988 13,497 11,988 11,245 10,846
Marketing and Promotion Expense 768 1,340 1,108 824 637
Professional Fees 2,092 4,328 4,486 3,459 2,747
Tech & Communications Expense 657 1,077 998 976 942
Amrt of Intang & Goodwill Impair 458 1,187 321 124 82
Foreclosure & Repo NA 290 0 (5) 250
Other Expense 6,226 13,283 12,754 13,481 10,464
Total Noninterest Expense 51,888 97,485 85,611 75,107 66,246
Nonrecurring Expense 0 659 0 0 2,680
Pre-Provision Net Revenue 33,274 60,899 59,979 51,043 41,695
Non-FTE Pre-Provision Net Revenue 32,014 59,322 58,895 50,122 41,108
Net Income before Taxes 30,892 57,720 54,307 42,741 32,140
Provision for Taxes 7,917 13,550 17,810 16,264 12,168
Effective Tax Rate(%) 25.63 23.48 32.80 38.05 37.86
Min Int & Oth after-tax Items 0 0 0 0 0
Extraordinary Items 0 0 0 0 0
Net Income 22,975 44,170 36,497 26,477 19,972
Net Income Attributable to Noncontrolling Int 0 0 0 0 0
Net Income Attributable to Parent 22,975 44,170 36,497 26,477 19,972
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 22,975 44,170 36,497 26,477 19,972
Net Income for Diluted EPS 22,975 44,170 36,497 26,477 19,972
EPS after Extra($) 1.18 2.31 2.03 1.60 1.29
EPS after Extra Growth(%) (1.70) 13.80 26.90 24 5.70
Pre-Provision Earnings per Share($) 1.30 2.45 2.13 1.97 1.73
Comprehensive Income
Net Income 22,975 44,170 36,497 26,477 19,972
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0 0
Total Other Comprehensive Income 741 (1,260) 534 (1,152) (1,600)
Comprehensive Income 23,716 42,910 37,031 25,325 18,372
Interest Income Earned On:
Interest Earned on Loans 82,152 149,823 131,753 112,560 94,588
Int Inc: Securities 5,739 9,634 7,037 4,858 4,937
Int Inc: Other Earn Assets 2,535 1,806 1,021 551 204
Int Inc: Secs & Oth Earn Assets 8,274 11,440 8,058 5,409 5,141
Int Inc: Total Earn Assets 90,426 161,263 139,811 117,969 99,729
Interest Expense Incurred On:
Int Exp: CDs 7,386 11,546 9,028 8,265 6,445
Int Exp: Other Deposits 18,190 24,066 13,538 8,410 6,140
Int Exp: Total Deposits 25,576 35,612 22,566 16,675 12,585
Int Exp: Debt 4,315 8,911 5,020 3,938 2,105
Int Exp: Total Int-bearing Liab 29,891 44,523 27,586 20,613 14,690
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