Financial Highlights

Financial Highlights
3/31/2017
3/31/2018
6/30/2018
Interest Income 9,883 11,244 12,105
Interest Expense 538 587 618
Net Interest Income 9,345 10,657 11,487
FTE Net Interest Income 9,353 10,668 11,498
Provision for Loan Losses 0 0 (200)
Trading Account Income 0 0 0
Foreign Exchange Income 0 0 0
Trust Revenue 730 866 926
Service Charges on Deposits NA 401 443
Gain on Sale of Loans (FAS 140) 163 119 152
Loan Fees & Charges NA 198 371
Bank-owned Life Insurance Revenue 194 201 179
Insurance Revenue 0 0 0
Investment Banking & Brokerage 38 59 93
Other Noninterest Income 1,368 738 888
Total Noninterest Income 2,493 2,582 3,052
Realized Gain on Securities 82 0 0
Nonrecurring Revenue 16 0 0
Compensation & Benefits 5,335 5,687 5,578
Occupancy & Equipment 1,299 1,349 1,359
Marketing and Promotion Expense 146 120 192
Professional Fees 562 255 284
Tech & Communications Expense 671 691 724
Amrt of Intang & Goodwill Impair 27 58 46
Foreclosure & Repo NA NA NA
Other Expense 429 886 836
Total Noninterest Expense 8,469 9,046 9,019
Nonrecurring Expense 454 0 0
Pre-Provision Net Revenue 3,377 4,204 5,531
Non-FTE Pre-Provision Net Revenue 3,369 4,193 5,520
Net Income before Taxes 3,013 4,193 5,720
Provision for Taxes 979 1,184 1,278
Effective Tax Rate(%) 32.49 28.24 22.34
Min Int & Oth after-tax Items 0 0 0
Extraordinary Items 0 0 0
Net Income 2,034 3,009 4,442
Net Income Attributable to Noncontrolling Int 0 0 0
Net Income Attributable to Parent 2,034 3,009 4,442
Preferred Dividends 0 0 0
Other Preferred Dividends after Net Income 0 0 0
Other Changes to Net Income 0 0 0
Net Income Avail to Common 2,034 3,009 4,442
Net Income for Diluted EPS 2,034 3,009 4,442
EPS after Extra($) 0.09 0.13 0.20
EPS after Extra Growth(%) 50 44.40 66.70
Pre-Provision Earnings per Share($) 0.10 0.14 0.20
Comprehensive Income
Net Income 2,034 3,009 4,442
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0
Total Other Comprehensive Income 233 (2,402) (736)
Comprehensive Income 2,267 607 3,706
Interest Income Earned On:
Interest Earned on Loans 8,655 9,898 10,777
Int Inc: Securities 1,137 1,282 1,246
Int Inc: Other Earn Assets 99 75 93
Int Inc: Secs & Oth Earn Assets 1,236 1,357 1,339
Int Inc: Total Earn Assets 9,891 11,255 12,116
Interest Expense Incurred On:
Int Exp: CDs 166 134 121
Int Exp: Other Deposits 148 141 139
Int Exp: Total Deposits 314 275 260
Int Exp: Debt 224 312 358
Int Exp: Total Int-bearing Liab 538 587 618
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.