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 11,303 15,020 14,094 13,613 12,874
Interest Expense 2,663 3,136 2,174 1,914 1,744
Net Interest Income 8,640 11,884 11,919 11,700 11,131
FTE Net Interest Income NA NA NA NA NA
Provision for Loan Losses 978 1,948 2,021 1,861 1,507
Trading Account Income 0 0 0 0 0
Foreign Exchange Income NA NA NA NA NA
Trust Revenue 0 0 0 0 0
Service Charges on Deposits 406 712 702 653 567
Gain on Sale of Loans (FAS 140) 126 311 371 739 356
Loan Fees & Charges (123) 117 81 148 105
Bank-owned Life Insurance Revenue 118 176 177 164 127
Insurance Revenue 0 0 0 0 0
Investment Banking & Brokerage 0 0 0 0 0
Other Noninterest Income 423 489 (336) 113 397
Total Noninterest Income 950 1,805 994 1,817 1,551
Realized Gain on Securities 9 0 0 135 38
Nonrecurring Revenue 98 0 0 0 0
Compensation & Benefits 4,237 5,603 5,222 5,021 4,768
Occupancy & Equipment NA 839 584 573 505
Marketing and Promotion Expense NA 272 291 265 253
Professional Fees 664 596 727 425 496
Tech & Communications Expense NA 976 957 779 701
Amrt of Intang & Goodwill Impair 0 0 0 0 0
Foreclosure & Repo NA NA NA NA NA
Other Expense 2,841 1,752 2,155 1,844 1,656
Total Noninterest Expense 7,742 10,038 9,935 8,907 8,380
Nonrecurring Expense 0 0 0 87 0
Pre-Provision Net Revenue 1,848 3,651 2,978 4,610 4,302
Non-FTE Pre-Provision Net Revenue 1,848 3,651 2,978 4,610 4,302
Net Income before Taxes 977 1,703 957 2,797 2,832
Provision for Taxes 196 320 379 950 991
Effective Tax Rate(%) 20.06 18.79 39.60 33.96 34.99
Min Int & Oth after-tax Items 0 0 0 0 0
Extraordinary Items 0 0 0 0 0
Net Income 781 1,383 578 1,847 1,841
Net Income Attributable to Noncontrolling Int 0 0 0 0 0
Net Income Attributable to Parent 781 1,383 578 1,847 1,841
Preferred Dividends 0 0 0 0 0
Other Preferred Dividends after Net Income 0 0 0 0 0
Other Changes to Net Income NA (7) (10) (51) (61)
Net Income Avail to Common 781 1,376 568 1,796 1,780
Net Income for Diluted EPS NA 1,376 568 1,796 1,780
EPS after Extra($) 0.76 1.34 0.56 1.79 1.57
EPS after Extra Growth(%) (29) 139.30 (68.70) 14 40.20
Pre-Provision Earnings per Share($) 1.42 2.80 1.90 2.94 2.41
Comprehensive Income
Net Income 781 1,383 578 1,847 1,841
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0 0
Total Other Comprehensive Income 492 (230) 57 (187) (54)
Comprehensive Income 1,273 1,153 635 1,660 1,787
Interest Income Earned On:
Interest Earned on Loans NA 14,289 13,569 13,104 12,132
Int Inc: Securities NA 434 390 435 673
Int Inc: Other Earn Assets NA 296 134 74 69
Int Inc: Secs & Oth Earn Assets NA 730 524 509 742
Int Inc: Total Earn Assets 11,303 15,019 14,093 13,613 12,874
Interest Expense Incurred On:
Int Exp: CDs 1,631 1,851 1,351 1,265 1,061
Int Exp: Other Deposits 291 339 309 221 220
Int Exp: Total Deposits 1,920 2,190 1,660 1,486 1,281
Int Exp: Debt 743 946 514 427 462
Int Exp: Total Int-bearing Liab 2,663 3,136 2,174 1,913 1,743
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.