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Income Statement

Financial Highlights
3/31/2017
3/31/2018
6/30/2018
12/31/2018
Interest Income 24,036 28,905 30,299 124,717
Interest Expense 2,391 3,218 3,752 16,462
Net Interest Income 21,645 25,687 26,547 108,255
FTE Net Interest Income 22,114 25,924 26,798 109,259
Provision for Loan Losses 55 (1,095) 423 1,176
Trading Account Income 0 0 0 0
Foreign Exchange Income 0 0 0 0
Trust Revenue 450 552 522 2,091
Service Charges on Deposits 1,484 1,652 1,705 NA
Gain on Sale of Loans (FAS 140) 1,083 1,304 1,426 4,819
Loan Fees & Charges 655 662 630 2,575
Bank-owned Life Insurance Revenue 323 400 398 1,599
Insurance Revenue 3,457 4,277 3,493 14,085
Investment Banking & Brokerage 15 21 26 NA
Other Noninterest Income 1,582 1,835 1,846 13,698
Total Noninterest Income 9,049 10,703 10,046 38,867
Realized Gain on Securities 0 0 0 173
Nonrecurring Revenue 1,500 0 168 168
Compensation & Benefits 11,535 13,249 12,885 52,566
Occupancy & Equipment 1,837 2,071 2,026 8,641
Marketing and Promotion Expense 427 451 623 NA
Professional Fees 874 882 816 NA
Tech & Communications Expense 1,815 2,105 2,083 8,555
Amrt of Intang & Goodwill Impair 232 347 332 1,312
Foreclosure & Repo NA NA NA NA
Other Expense 2,822 4,146 3,900 19,144
Total Noninterest Expense 19,542 23,251 22,665 90,218
Nonrecurring Expense 3,600 0 0 (806)
Pre-Provision Net Revenue 11,621 13,376 14,179 57,908
Non-FTE Pre-Provision Net Revenue 11,152 13,139 13,928 56,904
Net Income before Taxes 8,997 14,234 13,673 56,875
Provision for Taxes 3,857 2,497 2,564 10,626
Effective Tax Rate(%) 42.87 17.54 18.75 18.68
Min Int & Oth after-tax Items 0 0 0 0
Extraordinary Items 0 0 0 0
Net Income 5,140 11,737 11,109 46,249
Net Income Attributable to Noncontrolling Int 0 0 0 0
Net Income Attributable to Parent 5,140 11,737 11,109 46,249
Preferred Dividends 0 0 0 0
Other Preferred Dividends after Net Income 0 0 0 0
Other Changes to Net Income (1) (3) (1) NA
Net Income Avail to Common 5,139 11,734 11,108 46,249
Net Income for Diluted EPS 5,139 11,734 11,108 NA
EPS after Extra($) 0.27 0.58 0.54 2.26
EPS after Extra Growth(%) (31.60) 113 31.70 40.40
Pre-Provision Earnings per Share($) 0.38 0.51 0.53 2.20
Comprehensive Income
Net Income 5,140 11,737 11,109 46,249
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0
Total Other Comprehensive Income 1,027 (2,810) (689) (2,412)
Comprehensive Income 6,167 8,927 10,420 43,837
Interest Income Earned On:
Interest Earned on Loans 22,020 26,550 27,685 114,500
Int Inc: Securities 2,340 2,295 2,492 9,951
Int Inc: Other Earn Assets 145 297 373 1,270
Int Inc: Secs & Oth Earn Assets 2,485 2,592 2,865 11,221
Int Inc: Total Earn Assets 24,505 29,142 30,550 125,721
Interest Expense Incurred On:
Int Exp: CDs 1,403 2,038 2,497 NA
Int Exp: Other Deposits 393 573 648 NA
Int Exp: Total Deposits 1,796 2,611 3,144 13,897
Int Exp: Debt 595 607 608 2,565
Int Exp: Total Int-bearing Liab 2,391 3,218 3,752 16,462
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.