Interest Income on Loans | 33.41 | 32.05 | 26.26 | 22.67 | 20.87 | |
Interest Income on Investments | 8.34 | 5.23 | 4.08 | 2.4 | 2.41 | |
Total Interest Income | 41.75 | 37.28 | 30.35 | 25.07 | 23.28 | |
Interest Paid on Deposits | 24.58 | 18.02 | 5.11 | 4.27 | 7.76 | |
Interest Paid on Borrowings | 6.61 | 4.28 | 2.16 | 1.52 | 1.92 | |
Total Interest Expense | 31.2 | 22.31 | 7.27 | 5.79 | 9.68 | |
Net Interest Income | 10.55 | 14.97 | 23.08 | 19.28 | 13.6 | |
Net Interest Income Growth (YoY) | -29.53% | -35.12% | 19.71% | 41.77% | 21.74% | |
Gain (Loss) on Sale of Assets | 9.01 | - | - | - | - | |
Gain (Loss) on Sale of Investments | -8.93 | - | - | - | - | |
Other Non-Interest Income | 1.24 | 1.11 | 1.04 | 1.76 | 1.11 | |
Total Non-Interest Income | 1.35 | 1.14 | 1.12 | 2.54 | 1.11 | |
Non-Interest Income Growth (YoY) | 18.38% | 1.37% | -55.81% | 129.96% | 103.51% | |
Revenues Before Loan Losses | 11.9 | 16.11 | 24.2 | 21.82 | 14.7 | |
Provision for Loan Losses | -0.15 | -0.13 | 0.43 | -0.09 | 0.2 | |
Revenue | 12.05 | 16.24 | 23.78 | 21.91 | 14.5 | |
Revenue Growth (YoY) | -25.80% | -31.71% | 8.53% | 51.05% | 23.82% | |
Salaries and Employee Benefits | 8.75 | 8.66 | 7.5 | 7.17 | 4.91 | |
Occupancy Expenses | 1.47 | 1.29 | 1.22 | 1.11 | 0.62 | |
Federal Deposit Insurance | 0.42 | 0.42 | 0.22 | 0.22 | 0.16 | |
Selling, General & Administrative | 2.99 | 4.05 | 4.36 | 3.64 | 2.75 | |
Other Non-Interest Expense | 0.96 | 1.33 | 0.99 | 1.93 | 0.67 | |
Total Non-Interest Expense | 14.59 | 15.76 | 14.29 | 14.07 | 12 | |
EBT Excluding Unusual Items | -2.54 | 0.48 | 9.49 | 7.84 | 2.51 | |
Other Unusual Items | - | - | - | 1.95 | - | |
Pretax Income | -2.54 | 0.48 | 9.49 | 9.4 | 2.51 | |
Income Tax Expense | -0.37 | -0.16 | 2.61 | 1.88 | 0.44 | |
Net Income | -2.17 | 0.64 | 6.88 | 7.52 | 2.07 | |
Net Income to Common | -2.17 | 0.64 | 6.88 | 7.52 | 2.07 | |
Net Income Growth | - | -90.66% | -8.55% | 263.60% | -14.82% | |
Basic Shares Outstanding | 13 | 13 | 14 | 14 | 12 | |
Diluted Shares Outstanding | 13 | 13 | 14 | 14 | 12 | |
Shares Change (YoY) | -0.96% | -5.05% | -2.31% | 14.19% | -7.50% | |
EPS (Basic) | -0.17 | 0.05 | 0.51 | 0.55 | 0.17 | |
EPS (Diluted) | -0.17 | 0.05 | 0.51 | 0.54 | 0.17 | |
EPS Growth | - | -90.16% | -6.16% | 217.77% | -7.91% | |
Effective Tax Rate | - | - | 27.55% | 19.96% | 17.45% | |