Interest Income on Loans | 10.5 | 8.56 | 8.44 | 10.74 | 11.97 | |
Interest Income on Investments | 4.71 | 4.78 | 4.28 | 2.78 | 1.7 | |
Total Interest Income | 15.21 | 13.34 | 12.71 | 13.52 | 13.67 | |
Interest Paid on Deposits | 2.53 | 0.51 | 0.47 | 0.61 | 1.04 | |
Interest Paid on Borrowings | 1.74 | 0.69 | 0.38 | 0.47 | 0.47 | |
Total Interest Expense | 4.27 | 1.2 | 0.85 | 1.07 | 1.52 | |
Net Interest Income | 10.94 | 12.14 | 11.86 | 12.44 | 12.15 | |
Net Interest Income Growth (YoY) | -9.84% | 2.33% | -4.69% | 2.38% | -3.44% | |
Gain (Loss) on Sale of Investments | - | - | 0 | -0.59 | 0.01 | |
Other Non-Interest Income | 1.01 | 0.94 | 1.19 | 1.04 | 0.83 | |
Total Non-Interest Income | 1.16 | 1.1 | 1.35 | 0.63 | 1.01 | |
Non-Interest Income Growth (YoY) | 5.18% | -18.76% | 115.95% | -38.04% | -21.85% | |
Revenues Before Loan Losses | 12.1 | 13.24 | 13.21 | 13.07 | 13.17 | |
Provision for Loan Losses | 0.84 | 0.1 | -0.11 | -0.98 | -0.69 | |
Revenue | 11.25 | 13.14 | 13.33 | 14.05 | 13.86 | |
Revenue Growth (YoY) | -14.35% | -1.40% | -5.13% | 1.37% | -1.01% | |
Salaries and Employee Benefits | 6.58 | 6.71 | 6.41 | 6.5 | 6.74 | |
Occupancy Expenses | 1.33 | 1.1 | 1.08 | 1.05 | 1.07 | |
Federal Deposit Insurance | 0.16 | 0.16 | 0.11 | 0.17 | 0.19 | |
Selling, General & Administrative | 2.4 | 2.44 | 2.47 | 2.11 | 2.35 | |
Other Non-Interest Expense | 1.42 | 1.23 | 1.26 | 1.12 | 1.35 | |
Total Non-Interest Expense | 11.89 | 11.64 | 11.34 | 10.95 | 11.7 | |
EBT Excluding Unusual Items | -0.64 | 1.5 | 1.99 | 3.09 | 2.16 | |
Pretax Income | -0.64 | 1.5 | 1.99 | 3.09 | 2.16 | |
Income Tax Expense | -0.53 | 0.07 | 0.24 | 0.58 | 0.49 | |
Net Income | -0.11 | 1.43 | 1.75 | 2.52 | 1.67 | |
Net Income to Common | -0.11 | 1.43 | 1.75 | 2.52 | 1.67 | |
Net Income Growth | - | -18.11% | -30.64% | 50.84% | 4.32% | |
Basic Shares Outstanding | 3 | 3 | 3 | 3 | 3 | |
Diluted Shares Outstanding | 3 | 3 | 3 | 3 | 3 | |
Shares Change (YoY) | 0.71% | 0.50% | 0.38% | 0.47% | 0.48% | |
EPS (Basic) | -0.04 | 0.50 | 0.61 | 0.88 | 0.59 | |
EPS (Diluted) | -0.04 | 0.50 | 0.61 | 0.88 | 0.59 | |
EPS Growth | - | -18.52% | -30.65% | 49.57% | 3.82% | |
Dividend Per Share | 0.200 | 0.400 | 0.400 | 0.400 | 0.400 | |
Dividend Growth | -50.00% | - | - | - | - | |
Effective Tax Rate | - | 4.80% | 12.09% | 18.66% | 22.74% | |