Interest and Dividend Income | 3,809 | 4,419 | 3,223 | 2,648 | 3,298 | |
Total Interest Expense | 3,203 | 3,546 | 1,972 | 1,286 | 2,093 | |
Net Interest Income | 606 | 873 | 1,251 | 1,362 | 1,205 | |
Gain (Loss) on Sale of Loans & Receivables | - | - | - | 78 | - | |
Other Revenue | 301 | 342 | 409 | 603 | 269 | |
Revenue Before Loan Losses | 961 | 1,279 | 1,737 | 2,211 | 1,688 | |
Provision for Loan Losses | 113 | 123 | 79 | -61 | 155 | |
Revenue | 848 | 1,156 | 1,658 | 2,272 | 1,533 | |
Revenue Growth (YoY) | -26.64% | -30.28% | -27.02% | 48.21% | -11.79% | |
Salaries & Employee Benefits | 316 | 401 | 444 | 569 | 497 | |
Other Operating Expenses | 364 | 399 | 332 | 638 | 467 | |
Total Operating Expenses | 688 | 810 | 795 | 1,237 | 986 | |
Operating Income | 160 | 346 | 863 | 1,035 | 547 | |
EBT Excluding Unusual Items | 160 | 346 | 863 | 1,035 | 547 | |
Restructuring Charges | -39 | -25 | -36 | -26 | -9 | |
Impairment of Goodwill | -137 | - | - | - | - | |
Other Unusual Items | - | -8 | - | -73 | -6 | |
Pretax Income | 174 | 313 | 827 | 936 | 532 | |
Income Tax Expense | 43 | 85 | 182 | 219 | 120 | |
Earnings From Continuing Ops. | 131 | 228 | 645 | 717 | 412 | |
Net Income | 131 | 228 | 645 | 717 | 412 | |
Net Income to Common | 131 | 228 | 645 | 717 | 412 | |
Net Income Growth | -42.54% | -64.65% | -10.04% | 74.03% | -30.99% | |
Shares Outstanding (Basic) | 109 | 122 | 142 | 170 | 193 | |
Shares Outstanding (Diluted) | 111 | 123 | 144 | 172 | 195 | |
Shares Change (YoY) | -9.76% | -14.58% | -16.28% | -11.79% | -16.31% | |
EPS (Basic) | 1.20 | 1.87 | 4.54 | 4.22 | 2.13 | |
EPS (Diluted) | 1.18 | 1.85 | 4.49 | 4.18 | 2.12 | |
EPS Growth | -36.22% | -58.80% | 7.42% | 97.17% | -17.19% | |
Dividend Per Share | 0.640 | 0.640 | 0.640 | 0.640 | 0.640 | |
Operating Margin | 18.87% | 29.93% | 52.05% | 45.55% | 35.68% | |
Profit Margin | 15.45% | 19.72% | 38.90% | 31.56% | 26.88% | |
Effective Tax Rate | 24.71% | 27.16% | 22.01% | 23.40% | 22.56% | |