Beverly Hills Bancorp Inc. (BHBCQ)

Beverly Hills Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2007	FY 2006	FY 2005	FY 2004	FY 2003
Period Ending	Sep 30, 2008	Dec 31, 2007	Dec 31, 2006	Dec 31, 2005	Dec 31, 2004	Dec 31, 2003
Interest Income on Loans	66.99	78.19	67.53	60.9	46.63	35.23
Interest Income on Investments	21.19	24.94	20.64	16.5	13.41	11.29
Total Interest Income	88.17	103.14	88.17	77.4	60.04	46.53
Interest Paid on Deposits	28.63	38.6	31.7	17.62	12.43	11.32
Interest Paid on Borrowings	29.87	33.76	23.47	20.72	14.07	12.37
Total Interest Expense	58.5	72.36	55.17	38.34	26.49	23.69
Net Interest Income	29.67	30.78	33	39.05	33.55	22.84
Net Interest Income Growth (YoY)	-4.71%	-6.73%	-15.51%	16.42%	46.87%	-5.19%
Gain (Loss) on Sale of Investments	-4.07	-	-	-	0.42	-0.1
Other Non-Interest Income	2.24	1.89	1.51	1.83	0.95	0.72
Total Non-Interest Income	-1.83	1.89	1.51	1.83	1.33	0.46
Non-Interest Income Growth (YoY)	-	25.32%	-17.85%	38.16%	190.15%	-
Revenues Before Loan Losses	27.84	32.66	34.5	40.89	34.87	23.3
Provision for Loan Losses	39.93	14.36	0.96	-0.04	0.35	-0.54
Revenue	-12.09	18.31	33.54	40.93	34.52	23.84
Revenue Growth (YoY)	-	-45.42%	-18.04%	18.55%	44.82%	7.21%
Salaries and Employee Benefits	6.2	6.95	6.83	6.77	6.81	6.35
Occupancy Expenses	0.34	0.36	0.37	0.33	1.18	1.5
Federal Deposit Insurance	0.24	0.21	0.15	0.34	0.48	0.42
Amortization of Goodwill & Intangibles	-	-	-	0.13	0.26	0.26
Selling, General & Administrative	5.38	6.58	7.76	7.61	7.01	7.8
Other Non-Interest Expense	0.53	0.24	0.25	0.36	0.37	1.58
Total Non-Interest Expense	11.36	14.77	16.32	15.35	16.11	17.91
EBT Excluding Unusual Items	-23.44	3.54	17.22	25.58	18.42	5.93
Legal Settlements	-0.58	-	-	-	-	-
Other Unusual Items	0.4	0.4	-	-	-	-
Pretax Income	-26.68	0.88	25.75	25.58	18.42	5.93
Income Tax Expense	-10.78	0.39	10.94	10.52	4.59	2.54
Earnings From Continuing Operations	-15.9	0.5	14.81	15.05	13.83	3.39
Earnings From Discontinued Operations	-	-	-	-	12.89	3.5
Net Income	-15.9	0.5	14.81	15.05	26.73	6.89
Net Income to Common	-15.9	0.5	14.81	15.05	26.73	6.89
Net Income Growth	-	-96.65%	-1.61%	-43.68%	288.05%	251.02%
Basic Shares Outstanding	19	19	20	21	21	19
Diluted Shares Outstanding	19	19	21	22	21	20
Shares Change (YoY)	-0.10%	-8.26%	-4.66%	0.60%	5.85%	7.04%
EPS (Basic)	-0.85	0.03	0.73	0.71	1.29	0.37
EPS (Diluted)	-0.85	0.03	0.72	0.70	1.25	0.34
EPS Growth	-	-96.33%	2.86%	-44.14%	265.27%	253.18%
Dividend Per Share	0.125	0.500	0.500	0.500	0.375	-
Dividend Growth	-75.00%	-	-	33.33%	-	-
Effective Tax Rate	-	43.89%	42.48%	41.15%	24.89%	42.81%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.