Interest Income on Loans | 4,369 | 4,509 | 1,848 | 1,525 | 1,542 | |
Interest Income on Investments | 1,584 | 982 | 244 | 164 | 166 | |
Total Interest Income | 5,953 | 5,491 | 2,092 | 1,689 | 1,708 | |
Interest Paid on Deposits | 2,576 | 1,758 | 383 | 114 | 306 | |
Interest Paid on Borrowings | 1,225 | 656 | 313 | 286 | 302 | |
Total Interest Expense | 3,801 | 2,414 | 696 | 400 | 608 | |
Net Interest Income | 2,152 | 3,077 | 1,396 | 1,289 | 1,100 | |
Net Interest Income Growth (YoY) | -30.06% | 120.42% | 8.30% | 17.18% | 14.94% | |
Gain (Loss) on Sale of Investments | - | - | - | - | 1 | |
Other Non-Interest Income | 384 | 467 | 83 | 61 | 60 | |
Total Non-Interest Income | 521 | 556 | 88 | 61 | 61 | |
Non-Interest Income Growth (YoY) | -6.30% | 531.82% | 44.26% | - | -27.38% | |
Revenues Before Loan Losses | 2,673 | 3,633 | 1,484 | 1,350 | 1,161 | |
Provision for Loan Losses | 1,092 | 833 | 133 | 3 | 62 | |
Revenue | 1,581 | 2,800 | 1,351 | 1,347 | 1,099 | |
Revenue Growth (YoY) | -43.54% | 107.25% | 0.30% | 22.57% | 6.29% | |
Salaries and Employee Benefits | 1,209 | 1,102 | 325 | 272 | 272 | |
Occupancy Expenses | 136 | 114 | 64 | 61 | 86 | |
Federal Deposit Insurance | 313 | 126 | - | - | - | |
Amortization of Goodwill & Intangibles | 136 | 126 | 5 | - | - | |
Selling, General & Administrative | 938 | 757 | 215 | 185 | 153 | |
Total Non-Interest Expense | 2,732 | 2,225 | 609 | 518 | 511 | |
EBT Excluding Unusual Items | -1,151 | 575 | 742 | 829 | 588 | |
Other Unusual Items | -121 | 2,131 | 159 | - | - | |
Pretax Income | -1,378 | -50 | 826 | 806 | 588 | |
Income Tax Expense | -260 | 29 | 176 | 210 | 77 | |
Net Income | -1,118 | -79 | 650 | 596 | 511 | |
Preferred Dividends & Other Adjustments | 35 | 38 | 41 | 40 | 39 | |
Net Income to Common | -1,153 | -117 | 609 | 556 | 472 | |
Net Income Growth | - | - | 9.06% | 16.63% | 29.37% | |
Basic Shares Outstanding | 331 | 238 | 161 | 155 | 154 | |
Diluted Shares Outstanding | 331 | 238 | 162 | 155 | 154 | |
Shares Change (YoY) | 39.02% | 47.10% | 4.41% | 0.29% | -0.51% | |
EPS (Basic) | -3.49 | -0.49 | 3.78 | 3.60 | 3.06 | |
EPS (Diluted) | -3.49 | -0.49 | 3.77 | 3.60 | 3.06 | |
EPS Growth | - | - | 4.84% | 17.51% | 32.59% | |
Dividend Per Share | 0.200 | 2.040 | 2.040 | 2.040 | 2.040 | |
Dividend Growth | -90.20% | - | - | - | - | |
Effective Tax Rate | - | - | 21.31% | 26.05% | 13.10% | |