Financial Highlights

Financial Highlights
2020 FY
3/31/2020
2019 FY
3/31/2019
2018 FY
3/31/2018
2017 FY
3/31/2017
2016 FY
3/31/2016
Interest Income 50,495 49,869 44,960 35,627 30,948
Interest Expense 4,764 2,815 2,349 1,869 1,742
Net Interest Income 45,731 47,054 42,611 33,758 29,206
FTE Net Interest Income NA NA 42,654 33,772 29,206
Provision for Loan Losses 1,250 50 0 0 (1,150)
Trading Account Income 0 0 0 0 0
Foreign Exchange Income 0 0 0 NA NA
Trust Revenue 4,408 3,791 3,448 2,988 3,212
Service Charges on Deposits NA 1,721 1,628 1,486 NA
Gain on Sale of Loans (FAS 140) 252 317 641 656 525
Loan Fees & Charges NA 1,399 793 839 NA
Bank-owned Life Insurance Revenue 864 734 819 760 770
Insurance Revenue 0 0 0 0 0
Investment Banking & Brokerage NA NA 232 NA NA
Other Noninterest Income 6,836 3,075 3,362 3,025 5,055
Total Noninterest Income 12,360 11,037 10,923 9,754 9,562
Realized Gain on Securities NA 0 0 (158) 0
Nonrecurring Revenue 0 70 0 423 0
Compensation & Benefits 22,805 22,320 21,743 19,330 17,694
Occupancy & Equipment 5,576 5,334 5,454 4,813 4,727
Marketing and Promotion Expense 856 769 747 754 669
Professional Fees 1,119 1,426 1,181 975 904
Tech & Communications Expense 2,956 2,820 2,730 2,365 2,067
Amrt of Intang & Goodwill Impair 161 183 232 27 2
Foreclosure & Repo NA NA 93 59 754
Other Expense 2,871 3,202 2,751 3,415 3,170
Total Noninterest Expense 36,344 36,054 34,931 31,738 29,987
Nonrecurring Expense (81) (355) 606 1,248 100
Pre-Provision Net Revenue 21,747 22,037 18,646 11,788 8,781
Non-FTE Pre-Provision Net Revenue 21,747 22,037 18,603 11,774 8,781
Net Income before Taxes 20,578 22,412 17,997 10,791 9,831
Provision for Taxes 4,830 5,146 7,755 3,387 3,426
Effective Tax Rate(%) 23.47 22.96 43.09 31.39 34.85
Min Int & Oth after-tax Items 0 0 0 0 0
Extraordinary Items 0 0 0 0 0
Net Income 15,748 17,266 10,242 7,404 6,405
Net Income Attributable to Noncontrolling Int 0 0 0 0 47
Net Income Attributable to Parent 15,748 17,266 10,242 7,404 6,358
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 15,748 17,266 10,242 7,404 6,358
Net Income for Diluted EPS 15,748 17,266 10,242 7,404 6,358
EPS after Extra($) 0.69 0.76 0.45 0.33 0.28
EPS after Extra Growth(%) (9.20) 68.90 36.40 17.90 40
Pre-Provision Earnings per Share($) 0.75 0.77 0.65 0.34 0.25
Comprehensive Income
Net Income 15,748 17,266 10,242 7,404 6,405
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0 0
Total Other Comprehensive Income 4,725 2,122 (2,719) (2,770) 321
Comprehensive Income 20,473 19,388 7,523 4,634 6,726
Interest Income Earned On:
Interest Earned on Loans 46,405 44,938 39,659 31,609 27,795
Int Inc: Securities 3,557 4,602 4,786 3,589 2,709
Int Inc: Other Earn Assets 533 329 558 443 444
Int Inc: Secs & Oth Earn Assets 4,090 4,931 5,344 4,032 3,153
Int Inc: Total Earn Assets 50,495 49,869 45,003 35,641 30,948
Interest Expense Incurred On:
Int Exp: CDs NA 448 640 634 717
Int Exp: Other Deposits NA 548 568 517 456
Int Exp: Total Deposits 2,890 996 1,208 1,151 1,173
Int Exp: Debt 1,874 1,819 1,141 718 569
Int Exp: Total Int-bearing Liab 4,764 2,815 2,349 1,869 1,742
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.