Interest Income on Loans | 79.74 | 73.58 | 61.64 | 58.17 | 59.76 | |
Interest Income on Investments | 9.88 | 10.67 | 7.76 | 5.86 | 4.76 | |
Total Interest Income | 89.62 | 84.25 | 69.4 | 64.04 | 64.53 | |
Interest Paid on Deposits | 37.99 | 25.75 | 6.43 | 5.85 | 10 | |
Interest Paid on Borrowings | 5.16 | 10.15 | 6.6 | 4.52 | 4.27 | |
Total Interest Expense | 43.14 | 35.9 | 13.03 | 10.37 | 14.27 | |
Net Interest Income | 46.47 | 48.35 | 56.37 | 53.67 | 50.26 | |
Net Interest Income Growth (YoY) | -3.88% | -14.23% | 5.04% | 6.79% | 15.49% | |
Gain (Loss) on Sale of Assets | - | - | - | - | 0.43 | |
Gain (Loss) on Sale of Investments | -0.86 | 0.46 | 0.54 | 1.22 | 0.11 | |
Other Non-Interest Income | 6.64 | 6.15 | 6.4 | 7.48 | 9.38 | |
Total Non-Interest Income | 9.92 | 10.25 | 10.43 | 15.82 | 18.45 | |
Non-Interest Income Growth (YoY) | -3.19% | -1.73% | -34.09% | -14.22% | 23.19% | |
Revenues Before Loan Losses | 56.4 | 58.6 | 66.8 | 69.49 | 68.7 | |
Provision for Loan Losses | -3.18 | -0.48 | 1.48 | - | 7.75 | |
Revenue | 59.57 | 59.07 | 65.32 | 69.49 | 60.95 | |
Revenue Growth (YoY) | 0.84% | -9.57% | -6.00% | 14.01% | 10.90% | |
Salaries and Employee Benefits | 22.11 | 20.38 | 21.27 | 21.92 | 21.71 | |
Occupancy Expenses | - | - | - | 4.72 | 5.52 | |
Federal Deposit Insurance | 0.8 | 0.81 | 0.47 | 0.55 | 0.58 | |
Amortization of Goodwill & Intangibles | 1.25 | 1.37 | 2.24 | 3.24 | 2.92 | |
Selling, General & Administrative | 14.88 | 14.36 | 14.53 | 9.5 | 8.46 | |
Other Non-Interest Expense | 2.98 | 3.15 | 4.2 | 2.26 | 2.82 | |
Total Non-Interest Expense | 42.31 | 40.14 | 42.31 | 41.98 | 41.75 | |
EBT Excluding Unusual Items | 17.27 | 18.93 | 23.02 | 27.51 | 19.2 | |
Asset Writedown | - | - | 0.57 | 1.45 | -1.76 | |
Pretax Income | 17.45 | 18.93 | 23.58 | 28.96 | 17.28 | |
Income Tax Expense | 3.7 | 5.87 | 5.82 | 7.69 | 4.56 | |
Net Income | 13.75 | 13.06 | 17.76 | 21.27 | 12.73 | |
Net Income to Common | 13.75 | 13.06 | 17.76 | 21.27 | 12.73 | |
Net Income Growth | 5.30% | -26.47% | -16.48% | 67.12% | 34.47% | |
Basic Shares Outstanding | 10 | 10 | 11 | 11 | 11 | |
Diluted Shares Outstanding | 10 | 10 | 11 | 11 | 11 | |
Shares Change (YoY) | -1.98% | -0.42% | -1.99% | -3.90% | 0.37% | |
EPS (Basic) | 1.34 | 1.25 | 1.69 | 1.98 | 1.14 | |
EPS (Diluted) | 1.34 | 1.25 | 1.69 | 1.98 | 1.14 | |
EPS Growth | 7.42% | -26.19% | -14.65% | 73.68% | 34.12% | |
Dividend Per Share | 0.320 | 0.290 | 0.260 | 0.230 | 0.210 | |
Dividend Growth | 10.35% | 11.54% | 13.04% | 9.52% | 5.00% | |
Effective Tax Rate | 21.20% | 31.02% | 24.68% | 26.57% | 26.36% | |