HFB Financial Corporation (HFBA)

HFB Financial Income Statement

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

Fiscal Year	FY 2018	FY 2017	FY 2012	FY 2011	FY 2010
Period Ending	Dec 31, 2018	Dec 31, 2017	Dec 31, 2012	Dec 31, 2011	Dec 31, 2010
Interest Income on Loans	14.21	12.55	13.83	14.43	15.34
Interest Income on Investments	1.88	1.81	2.25	2.65	2.94
Total Interest Income	16.09	14.36	16.08	17.07	18.28
Interest Paid on Deposits	1.78	1.06	2.06	3.29	4.31
Interest Paid on Borrowings	0.77	0.55	1.37	1.52	1.55
Total Interest Expense	2.55	1.61	3.43	4.82	5.86
Net Interest Income	13.54	12.75	12.65	12.26	12.42
Net Interest Income Growth (YoY)	6.23%	0.80%	3.19%	-1.28%	29.77%
Gain (Loss) on Sale of Investments	-	0.27	0.02	-	-
Other Non-Interest Income	3.19	2.91	2.68	2.51	2.34
Total Non-Interest Income	3.19	3.18	2.69	2.51	2.34
Non-Interest Income Growth (YoY)	0.47%	18.03%	7.19%	7.50%	92.47%
Revenues Before Loan Losses	16.74	15.93	15.34	14.77	14.75
Provision for Loan Losses	0.44	0.26	1.26	2.16	1.63
Revenue	16.3	15.67	14.09	12.61	13.12
Revenue Growth (YoY)	4.02%	11.21%	11.67%	-3.88%	27.22%
Salaries and Employee Benefits	6.21	6.09	5.67	5.5	5.56
Occupancy Expenses	0.88	0.89	0.74	0.75	0.52
Federal Deposit Insurance	0.1	0.11	0.32	0.32	0.39
Selling, General & Administrative	2.18	2.19	2.03	1.9	1.8
Other Non-Interest Expense	2.35	2.24	2.04	1.95	1.75
Total Non-Interest Expense	11.92	10.83	11.37	10.87	10.4
EBT Excluding Unusual Items	4.37	4.83	2.71	1.74	2.72
Pretax Income	4.37	4.83	2.71	1.74	2.72
Income Tax Expense	0.81	1.57	0.69	0.36	0.79
Net Income	3.56	3.26	2.02	1.38	1.93
Net Income to Common	3.56	3.26	2.02	1.38	1.93
Net Income Growth	9.25%	61.47%	46.01%	-28.46%	-20.52%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1
Shares Change (YoY)	-1.02%	-0.97%	-0.57%	0.55%	-1.45%
EPS (Basic)	2.93	2.66	1.63	1.11	1.56
EPS (Diluted)	2.93	2.66	1.63	1.11	1.56
EPS Growth	10.38%	63.05%	46.85%	-28.85%	-18.75%
Dividend Per Share	0.760	0.760	0.700	0.700	0.700
Dividend Growth	-	8.57%	-	-	66.67%
Effective Tax Rate	18.46%	32.47%	25.52%	20.58%	28.99%

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