Interest Income on Loans | 51.47 | 47.75 | 38.02 | 38.23 | 38.25 | |
Interest Income on Investments | 6.79 | 5.06 | 3.18 | 1.69 | 2.13 | |
Total Interest Income | 58.26 | 52.81 | 41.2 | 39.92 | 40.38 | |
Interest Paid on Deposits | 21.55 | 14.35 | 3.38 | 2.67 | 4.48 | |
Interest Paid on Borrowings | 0.56 | 1.11 | 0.87 | 0.28 | 0.14 | |
Total Interest Expense | 22.11 | 15.46 | 4.26 | 2.95 | 4.61 | |
Net Interest Income | 36.15 | 37.35 | 36.94 | 36.97 | 35.77 | |
Net Interest Income Growth (YoY) | -3.22% | 1.11% | -0.08% | 3.37% | -3.18% | |
Mortgage Banking Activities | - | - | - | - | 0.57 | |
Gain (Loss) on Sale of Assets | - | 0.02 | 0.3 | -0.13 | -0.14 | |
Gain (Loss) on Sale of Investments | - | - | - | 0.02 | 0.33 | |
Other Non-Interest Income | 2.35 | 2.17 | 2 | 2.41 | 2.49 | |
Total Non-Interest Income | 3.58 | 3.38 | 3.45 | 3.37 | 4.54 | |
Non-Interest Income Growth (YoY) | 5.97% | -2.03% | 2.37% | -25.81% | -8.35% | |
Revenues Before Loan Losses | 39.73 | 40.73 | 40.39 | 40.34 | 40.31 | |
Provision for Loan Losses | 0.62 | 0.32 | 3.31 | 2.01 | 2.95 | |
Revenue | 39.11 | 40.41 | 37.08 | 38.33 | 37.37 | |
Revenue Growth (YoY) | -3.22% | 8.97% | -3.26% | 2.59% | -4.65% | |
Salaries and Employee Benefits | 14.84 | 15.48 | 15.93 | 18.72 | 20.12 | |
Occupancy Expenses | 3.2 | 3.02 | 2.85 | 3.39 | 3.34 | |
Selling, General & Administrative | 4.05 | 3.92 | 3.62 | 4.71 | 4.53 | |
Other Non-Interest Expense | 6.26 | 6.73 | 5.67 | 5.79 | 5.84 | |
Total Non-Interest Expense | 28.36 | 29.14 | 28.07 | 32.61 | 33.83 | |
EBT Excluding Unusual Items | 10.75 | 11.27 | 9.01 | 5.73 | 3.53 | |
Pretax Income | 10.75 | 11.27 | 9.01 | 5.73 | 3.53 | |
Income Tax Expense | 2.58 | 2.79 | 2.15 | 1.28 | 0.83 | |
Net Income | 8.17 | 8.49 | 6.86 | 4.45 | 2.71 | |
Net Income to Common | 8.17 | 8.49 | 6.86 | 4.45 | 2.71 | |
Net Income Growth | -3.71% | 23.62% | 54.21% | 64.43% | -40.71% | |
Basic Shares Outstanding | 6 | 6 | 6 | 6 | 6 | |
Diluted Shares Outstanding | 6 | 6 | 7 | 7 | 7 | |
Shares Change (YoY) | -4.05% | -1.96% | -3.50% | 0.55% | -1.43% | |
EPS (Basic) | 1.40 | 1.42 | 1.13 | 0.70 | 0.43 | |
EPS (Diluted) | 1.33 | 1.33 | 1.06 | 0.66 | 0.40 | |
EPS Growth | 0% | 25.47% | 60.61% | 65.00% | -40.30% | |
Dividend Per Share | 0.220 | 0.200 | 0.140 | 0.120 | 0.120 | |
Dividend Growth | 10.00% | 42.86% | 16.67% | - | 33.33% | |
Effective Tax Rate | 24.03% | 24.72% | 23.84% | 22.27% | 23.36% | |