Interest Income on Loans | 58.73 | 56.3 | 41.41 | 37.91 | 36.01 | |
Interest Income on Investments | 13.67 | 10.32 | 6.64 | 4.34 | 4 | |
Total Interest Income | 72.41 | 66.63 | 48.04 | 42.25 | 40.01 | |
Interest Paid on Deposits | 20.73 | 13.87 | 2.15 | 2.88 | 4.42 | |
Interest Paid on Borrowings | 3.46 | 4.56 | 1.46 | 0.58 | 0.88 | |
Total Interest Expense | 24.19 | 18.43 | 3.61 | 3.46 | 5.29 | |
Net Interest Income | 48.22 | 48.2 | 44.44 | 38.79 | 34.72 | |
Net Interest Income Growth (YoY) | 0.04% | 8.46% | 14.55% | 11.74% | 2.66% | |
Trust Income | 4.66 | 4.63 | 4.1 | 4.2 | 3.88 | |
Mortgage Banking Activities | 0.02 | 0.43 | 0.5 | 2.28 | 1.78 | |
Gain (Loss) on Sale of Assets | - | 0.22 | 1.69 | - | 0.82 | |
Gain (Loss) on Sale of Investments | - | -0.13 | -1.87 | - | 0.26 | |
Other Non-Interest Income | 5.61 | 5.71 | 6.02 | 5.71 | 5.09 | |
Total Non-Interest Income | 13.41 | 13.87 | 13.51 | 14.89 | 14.7 | |
Non-Interest Income Growth (YoY) | -3.35% | 2.73% | -9.27% | 1.27% | 4.41% | |
Revenues Before Loan Losses | 61.63 | 62.07 | 57.94 | 53.68 | 49.42 | |
Provision for Loan Losses | 0.71 | 2.6 | 1.71 | 0.79 | 1 | |
| Revenue | 60.91 | 59.47 | 56.24 | 52.89 | 48.42 | |
Revenue Growth (YoY) | 2.43% | 5.75% | 6.34% | 9.23% | 1.76% | |
Salaries and Employee Benefits | 30.05 | 29.88 | 26.64 | 25.07 | 25.25 | |
Occupancy Expenses | 4.83 | 4.45 | 4.37 | 4.35 | 4.47 | |
Selling, General & Administrative | 9.23 | 10.21 | 9.53 | 8.81 | 7.35 | |
Other Non-Interest Expense | 5.4 | 5.87 | 5.11 | 4.93 | 4.9 | |
Total Non-Interest Expense | 49.51 | 50.41 | 45.66 | 43.15 | 42.02 | |
EBT Excluding Unusual Items | 11.41 | 9.06 | 10.58 | 9.74 | 6.4 | |
Other Unusual Items | - | - | - | - | -0.49 | |
Pretax Income | 11.41 | 9.06 | 10.58 | 9.74 | 5.91 | |
Income Tax Expense | 1.9 | 1.33 | 1.47 | 1.3 | 0.52 | |
Net Income | 9.51 | 7.73 | 9.11 | 8.44 | 5.39 | |
Net Income to Common | 9.51 | 7.73 | 9.11 | 8.44 | 5.39 | |
Net Income Growth | 23.00% | -15.13% | 7.92% | 56.62% | -31.44% | |
Basic Shares Outstanding | 5 | 5 | 5 | 5 | 5 | |
Diluted Shares Outstanding | 5 | 5 | 5 | 5 | 5 | |
Shares Change (YoY) | 0.79% | -0.91% | -3.19% | 0.42% | 0.38% | |
EPS (Basic) | 1.88 | 1.54 | 1.80 | 1.61 | 1.03 | |
EPS (Diluted) | 1.88 | 1.54 | 1.80 | 1.61 | 1.03 | |
EPS Growth | 22.03% | -14.35% | 11.56% | 56.31% | -31.79% | |
Dividend Per Share | 0.560 | 0.560 | 0.520 | 0.500 | 0.480 | |
Dividend Growth | - | 7.69% | 4.00% | 4.17% | - | |
Effective Tax Rate | 16.63% | 14.72% | 13.93% | 13.31% | 8.82% | |