Interest Income on Loans | 64.94 | 54.82 | 42.27 | 42.1 | 43.2 | |
Interest Income on Investments | 10.83 | 7.04 | 5.34 | 2.61 | 2.97 | |
Total Interest Income | 75.76 | 61.87 | 47.62 | 44.71 | 46.17 | |
Interest Paid on Deposits | 24.64 | 14.17 | 2.13 | 2.98 | 5.25 | |
Interest Paid on Borrowings | 2.32 | 1.66 | 0.71 | 0.72 | 0.94 | |
Total Interest Expense | 26.96 | 15.84 | 2.84 | 3.7 | 6.19 | |
Net Interest Income | 48.8 | 46.03 | 44.78 | 41.01 | 39.98 | |
Net Interest Income Growth (YoY) | 6.03% | 2.79% | 9.18% | 2.58% | -7.13% | |
Trust Income | 0.4 | 0.33 | 0.33 | 0.29 | 0.26 | |
Mortgage Banking Activities | 0.16 | 0.18 | 0.7 | 0.85 | 1.25 | |
Gain (Loss) on Sale of Investments | - | - | -1.54 | -1.07 | - | |
Other Non-Interest Income | 9.57 | 9.43 | 8.23 | 7.93 | 6.28 | |
Total Non-Interest Income | 13.17 | 12.63 | 10.16 | 9.86 | 9.44 | |
Non-Interest Income Growth (YoY) | 4.29% | 24.28% | 3.02% | 4.51% | 2.97% | |
Revenues Before Loan Losses | 61.98 | 58.66 | 54.94 | 50.88 | 49.42 | |
Provision for Loan Losses | 2.47 | 2.09 | -0.03 | -0.42 | 2.98 | |
Revenue | 59.51 | 56.57 | 54.97 | 51.3 | 46.44 | |
Revenue Growth (YoY) | 5.20% | 2.90% | 7.17% | 10.46% | -9.33% | |
Salaries and Employee Benefits | 27.28 | 23.27 | 21.04 | 21.07 | 21.02 | |
Federal Deposit Insurance | 0.65 | 0.57 | 0.34 | 0.33 | 0.17 | |
Amortization of Goodwill & Intangibles | 0.01 | 0.02 | 0.04 | 0.05 | 0.06 | |
Selling, General & Administrative | 11.79 | 11.47 | 11.65 | 10.18 | 9.28 | |
Other Non-Interest Expense | 6.4 | 6.02 | 5.92 | 5.6 | 5.47 | |
Total Non-Interest Expense | 46.13 | 41.37 | 39.04 | 37.28 | 36.13 | |
EBT Excluding Unusual Items | 13.38 | 15.2 | 15.93 | 14.02 | 10.31 | |
Legal Settlements | - | - | - | - | 2 | |
Pretax Income | 13.38 | 15.2 | 15.93 | 14.02 | 12.31 | |
Income Tax Expense | 2.38 | 2.57 | 2.59 | 2.28 | 2.05 | |
Net Income | 11 | 12.63 | 13.34 | 11.73 | 10.26 | |
Net Income to Common | 11 | 12.63 | 13.34 | 11.73 | 10.26 | |
Net Income Growth | -12.92% | -5.30% | 13.69% | 14.36% | 3.55% | |
Basic Shares Outstanding | 5 | 5 | 5 | 5 | 5 | |
Diluted Shares Outstanding | 5 | 5 | 5 | 5 | 5 | |
Shares Change (YoY) | -0.79% | 0.11% | -0.24% | -0.14% | 0.42% | |
EPS (Basic) | 2.32 | 2.65 | 2.80 | 2.45 | 2.14 | |
EPS (Diluted) | 2.32 | 2.65 | 2.80 | 2.45 | 2.14 | |
EPS Growth | -12.23% | -5.41% | 13.96% | 14.52% | 3.12% | |
Dividend Per Share | 0.880 | 0.870 | 0.840 | 0.840 | 0.840 | |
Dividend Growth | 1.15% | 3.57% | - | - | - | |
Effective Tax Rate | 17.77% | 16.89% | 16.28% | 16.30% | 16.64% | |