Interest Income on Loans | 30.71 | 30.01 | 24.51 | 22.75 | 22.07 | |
Interest Income on Investments | 4.09 | 3.75 | 2.25 | 1.91 | 2.27 | |
Total Interest Income | 34.8 | 33.76 | 26.75 | 24.66 | 24.34 | |
Interest Paid on Deposits | 13.08 | 8.07 | 1.82 | 2.09 | 3.67 | |
Interest Paid on Borrowings | 0.66 | 1.33 | 0.6 | 0.57 | 0.74 | |
Total Interest Expense | 13.74 | 9.4 | 2.42 | 2.67 | 4.4 | |
Net Interest Income | 21.06 | 24.36 | 24.34 | 21.99 | 19.93 | |
Net Interest Income Growth (YoY) | -13.53% | 0.08% | 10.66% | 10.35% | 4.52% | |
Gain (Loss) on Sale of Investments | 0.06 | -0.04 | 0.02 | 0.03 | 0.06 | |
Other Non-Interest Income | 3.24 | 2.68 | 2.71 | 2.62 | 2.09 | |
Total Non-Interest Income | 3.3 | 2.64 | 2.7 | 3.19 | 2.99 | |
Non-Interest Income Growth (YoY) | 25.39% | -2.55% | -15.18% | 6.55% | 20.06% | |
Revenues Before Loan Losses | 24.37 | 26.99 | 27.04 | 25.18 | 22.92 | |
Provision for Loan Losses | -1.48 | -1.04 | 0.73 | 0.65 | 1.63 | |
Revenue | 25.85 | 28.04 | 26.32 | 24.53 | 21.3 | |
Revenue Growth (YoY) | -7.81% | 6.53% | 7.28% | 15.18% | 3.08% | |
Salaries and Employee Benefits | 11.11 | 11.15 | 9.52 | 8.63 | 8.31 | |
Occupancy Expenses | 2.57 | 2.76 | 2.9 | 2.69 | 2.45 | |
Federal Deposit Insurance | 0.8 | 1.11 | 0.27 | 0.18 | 0.12 | |
Selling, General & Administrative | 4.54 | 5.73 | 5 | 4.34 | 3.84 | |
Other Non-Interest Expense | 0.98 | 1.06 | 1.76 | 1.22 | 1.2 | |
Total Non-Interest Expense | 19.98 | 21.82 | 19.45 | 17.06 | 15.92 | |
EBT Excluding Unusual Items | 5.87 | 6.22 | 6.87 | 7.48 | 5.38 | |
Pretax Income | 5.87 | 6.22 | 6.87 | 7.48 | 5.38 | |
Income Tax Expense | 0.94 | 1.4 | 1.16 | 1.29 | 0.82 | |
Net Income | 4.93 | 4.82 | 5.71 | 6.19 | 4.56 | |
Net Income to Common | 4.93 | 4.82 | 5.71 | 6.19 | 4.56 | |
Net Income Growth | 2.30% | -15.56% | -7.74% | 35.74% | 11.52% | |
Basic Shares Outstanding | 6 | 6 | 6 | 6 | 6 | |
Diluted Shares Outstanding | 6 | 6 | 6 | 6 | 6 | |
Shares Change (YoY) | -3.99% | -0.41% | -0.14% | -1.13% | -0.78% | |
EPS (Basic) | 0.88 | 0.82 | 0.97 | 1.05 | 0.77 | |
EPS (Diluted) | 0.88 | 0.82 | 0.97 | 1.05 | 0.77 | |
EPS Growth | 6.97% | -15.46% | -7.62% | 37.19% | 12.55% | |
Dividend Per Share | 0.720 | - | 0.520 | 0.570 | 0.500 | |
Dividend Growth | - | - | -8.77% | 14.00% | 4.17% | |
Effective Tax Rate | 15.94% | 22.50% | 16.91% | 17.23% | 15.31% | |