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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 104,843 124,717 108,102 87,383 80,836
Interest Expense 18,692 16,462 11,431 8,440 6,781
Net Interest Income 86,151 108,255 96,671 78,943 74,055
FTE Net Interest Income 86,886 109,259 98,585 80,773 75,960
Provision for Loan Losses 1,821 1,176 2,949 283 136
Trading Account Income 0 0 0 0 0
Foreign Exchange Income 0 0 0 0 0
Trust Revenue 1,510 2,091 2,332 1,701 1,462
Service Charges on Deposits NA 6,900 6,615 6,127 6,385
Gain on Sale of Loans (FAS 140) 5,887 4,819 4,881 6,064 5,388
Loan Fees & Charges 1,128 2,575 2,340 1,959 2,149
Bank-owned Life Insurance Revenue 1,284 1,599 1,585 909 895
Insurance Revenue 10,994 14,085 12,866 10,441 10,076
Investment Banking & Brokerage NA 83 84 91 102
Other Noninterest Income 11,909 6,715 7,294 6,229 5,324
Total Noninterest Income 32,712 38,867 37,997 33,521 31,781
Realized Gain on Securities 11 173 584 509 22
Nonrecurring Revenue 418 168 1,500 0 0
Compensation & Benefits 42,544 52,566 49,847 40,187 37,769
Occupancy & Equipment 6,751 8,641 7,707 7,418 7,197
Marketing and Promotion Expense NA 2,407 2,070 1,835 1,752
Professional Fees NA 3,328 3,603 2,902 3,359
Tech & Communications Expense 6,292 8,555 7,737 6,367 6,083
Amrt of Intang & Goodwill Impair 839 1,312 1,289 535 699
Foreclosure & Repo NA 742 177 244 1,064
Other Expense 15,338 12,667 11,821 10,862 9,966
Total Noninterest Expense 71,764 90,218 84,251 70,350 67,889
Nonrecurring Expense 540 (806) 1,100 743 0
Pre-Provision Net Revenue 47,834 57,908 52,331 43,944 39,852
Non-FTE Pre-Provision Net Revenue 47,099 56,904 50,417 42,114 37,947
Net Income before Taxes 45,167 56,875 48,452 41,597 37,833
Provision for Taxes 8,315 10,626 16,184 12,754 11,410
Effective Tax Rate(%) 18.41 18.68 33.40 30.66 30.16
Min Int & Oth after-tax Items 0 0 0 0 0
Extraordinary Items 0 0 0 0 0
Net Income 36,852 46,249 32,268 28,843 26,423
Net Income Attributable to Noncontrolling Int 0 0 0 0 0
Net Income Attributable to Parent 36,852 46,249 32,268 28,843 26,423
Preferred Dividends 0 0 0 0 0
Other Preferred Dividends after Net Income 0 0 0 0 0
Other Changes to Net Income (3) (16) (5) (39) (8)
Net Income Avail to Common 36,849 46,233 32,263 28,804 26,415
Net Income for Diluted EPS 36,849 46,233 32,263 28,804 26,415
EPS after Extra($) 1.85 2.26 1.61 1.60 1.41
EPS after Extra Growth(%) 10.80 40.40 0.60 13.50 15.60
Pre-Provision Earnings per Share($) 1.87 2.20 1.64 1.52 1.32
Comprehensive Income
Net Income 36,852 46,249 32,268 28,843 26,423
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0 0
Total Other Comprehensive Income 7,249 (2,412) 2 (3,407) (492)
Comprehensive Income 44,101 43,837 32,270 25,436 25,931
Interest Income Earned On:
Interest Earned on Loans 97,227 114,500 99,742 80,423 73,544
Int Inc: Securities 7,494 9,951 9,438 8,423 9,028
Int Inc: Other Earn Assets 857 1,270 836 367 169
Int Inc: Secs & Oth Earn Assets 8,351 11,221 10,274 8,790 9,197
Int Inc: Total Earn Assets 105,578 125,721 110,016 89,213 82,741
Interest Expense Incurred On:
Int Exp: CDs NA 9,785 6,683 4,710 4,066
Int Exp: Other Deposits NA 4,112 2,135 1,551 1,275
Int Exp: Total Deposits 16,615 13,897 8,818 6,261 5,341
Int Exp: Debt 2,077 2,565 2,613 2,179 1,440
Int Exp: Total Int-bearing Liab 18,692 16,462 11,431 8,440 6,781
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.