Income Statement

Financial Highlights
2020 FQ1 YTD
12/31/2019
2019 FY
9/30/2019
2018 FY
9/30/2018
2017 FY
9/30/2017
2016 FY
9/30/2016
Interest Income 14,191 55,725 41,833 38,338 34,875
Interest Expense 1,189 4,565 2,778 3,197 4,072
Net Interest Income 13,002 51,160 39,055 35,141 30,803
FTE Net Interest Income 13,002 51,160 39,055 35,141 30,803
Provision for Loan Losses 200 0 0 (1,250) 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 1,200 4,904 4,581 4,518 3,969
Gain on Sale of Loans (FAS 140) 953 1,754 1,893 2,157 1,781
Loan Fees & Charges 51 462 480 417 266
Bank-owned Life Insurance Revenue 147 613 547 545 551
Insurance Revenue 0 0 0 0 0
Investment Banking & Brokerage 6 46 109 63 111
Other Noninterest Income 1,478 5,428 4,866 4,635 4,117
Total Noninterest Income 3,835 13,207 12,476 12,335 10,795
Realized Gain on Securities 103 106 68 33 (168)
Nonrecurring Revenue 0 1,028 0 0 262
Compensation & Benefits 4,722 18,385 15,740 14,908 13,921
Occupancy & Equipment 894 3,831 3,231 3,082 3,130
Marketing and Promotion Expense 183 696 782 698 753
Professional Fees 269 874 774 887 657
Tech & Communications Expense 957 3,590 3,234 3,275 3,273
Amrt of Intang & Goodwill Impair 101 452 0 0 0
Foreclosure & Repo (1) 221 140 22 662
Other Expense 1,280 5,519 4,773 4,644 4,234
Total Noninterest Expense 8,405 33,568 28,674 27,516 26,630
Nonrecurring Expense (32) 2,012 503 0 7
Pre-Provision Net Revenue 8,432 30,799 22,857 19,960 14,968
Non-FTE Pre-Provision Net Revenue 8,432 30,799 22,857 19,960 14,968
Net Income before Taxes 8,367 29,921 22,422 21,243 15,055
Provision for Taxes 1,715 5,901 5,701 7,076 4,901
Effective Tax Rate(%) 20.50 19.72 25.43 33.31 32.55
Min Int & Oth after-tax Items 0 0 0 0 0
Extraordinary Items 0 0 0 0 0
Net Income 6,652 24,020 16,721 14,167 10,154
Net Income Attributable to Noncontrolling Int 0 0 0 0 0
Net Income Attributable to Parent 6,652 24,020 16,721 14,167 10,154
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 6,652 24,020 16,721 14,167 10,154
Net Income for Diluted EPS 6,652 24,020 16,721 14,167 10,154
EPS after Extra($) 0.78 2.84 2.22 1.92 1.43
EPS after Extra Growth(%) 18.20 27.90 15.60 34.30 22.20
Pre-Provision Earnings per Share($) 0.78 2.88 2.40 1.76 1.37
Comprehensive Income
Net Income 6,652 24,020 16,721 14,167 10,154
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0 0
Total Other Comprehensive Income (196) 116 (5) 51 138
Comprehensive Income 6,456 24,136 16,716 14,218 10,292
Interest Income Earned On:
Interest Earned on Loans 12,764 49,127 38,298 36,385 33,580
Int Inc: Securities 476 1,426 337 367 393
Int Inc: Other Earn Assets 951 5,172 3,198 1,586 902
Int Inc: Secs & Oth Earn Assets 1,427 6,598 3,535 1,953 1,295
Int Inc: Total Earn Assets 14,191 55,725 41,833 38,338 34,875
Interest Expense Incurred On:
Int Exp: CDs 746 2,500 1,520 1,246 1,195
Int Exp: Other Deposits 443 2,065 1,258 972 846
Int Exp: Total Deposits 1,189 4,565 2,778 2,218 2,041
Int Exp: Debt 0 0 0 979 2,031
Int Exp: Total Int-bearing Liab 1,189 4,565 2,778 3,197 4,072
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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