Interest Income on Loans | 20.15 | 19.54 | 17.01 | 12.8 | 9.7 | 8.48 | |
Interest Income on Investments | 3.69 | 3.95 | 2.82 | 1.02 | 0.37 | 0.59 | |
Total Interest Income | 23.84 | 23.49 | 19.83 | 13.82 | 10.06 | 9.06 | |
Interest Paid on Deposits | 10.66 | 10.61 | 5.91 | 2.05 | 1.78 | 1.9 | |
Interest Paid on Borrowings | 1.65 | 1.79 | 1.81 | 0.91 | 0.42 | 0.54 | |
Total Interest Expense | 12.31 | 12.4 | 7.72 | 2.96 | 2.2 | 2.43 | |
Net Interest Income | 11.53 | 11.09 | 12.11 | 10.86 | 7.86 | 6.63 | |
Net Interest Income Growth (YoY) | -1.44% | -8.42% | 11.51% | 38.18% | 18.53% | -4.22% | |
Gain (Loss) on Sale of Assets | 0.49 | 0.49 | -0.05 | 0.82 | 0.01 | - | |
Gain (Loss) on Sale of Investments | 0.01 | -0.01 | 0.01 | -0.1 | -0.03 | 0.02 | |
Other Non-Interest Income | 0.67 | 0.62 | 0.65 | 0.51 | 0.64 | 0.44 | |
Total Non-Interest Income | 1.38 | 1.31 | 0.79 | 1.42 | 0.8 | 0.67 | |
Non-Interest Income Growth (YoY) | 65.47% | 67.26% | -44.60% | 78.24% | 19.37% | 9.18% | |
Revenues Before Loan Losses | 12.91 | 12.41 | 12.9 | 12.28 | 8.66 | 7.3 | |
Provision for Loan Losses | 0.11 | -0.04 | 0.63 | 1.2 | 0.29 | 0.76 | |
Revenue | 12.8 | 12.44 | 12.27 | 11.08 | 8.37 | 6.54 | |
Revenue Growth (YoY) | 5.21% | 1.44% | 10.70% | 32.39% | 28.00% | -4.37% | |
Salaries and Employee Benefits | 4.77 | 4.65 | 4.53 | 4.07 | 3.99 | 3.47 | |
Occupancy Expenses | 0.6 | 0.55 | 0.55 | 0.57 | 0.57 | 0.71 | |
Federal Deposit Insurance | 0.22 | 0.23 | 0.18 | 0.12 | 0.19 | 0.11 | |
Selling, General & Administrative | 3.52 | 3.56 | 3.28 | 2.45 | 1.79 | 2.18 | |
Other Non-Interest Expense | 1.24 | 1.21 | 1.26 | 1.23 | 0.87 | 0.63 | |
Total Non-Interest Expense | 10.36 | 10.2 | 9.8 | 8.44 | 7.42 | 7.09 | |
EBT Excluding Unusual Items | 2.44 | 2.25 | 2.46 | 2.65 | 0.96 | -0.56 | |
Pretax Income | 2.44 | 2.25 | 2.46 | 2.65 | 0.96 | -0.56 | |
Income Tax Expense | 0.52 | 0.48 | 0.55 | 0.53 | 0.17 | -0.14 | |
Net Income | 1.93 | 1.77 | 1.92 | 2.11 | 0.79 | -0.42 | |
Net Income to Common | 1.93 | 1.77 | 1.92 | 2.11 | 0.79 | -0.42 | |
Net Income Growth | 5.53% | -7.66% | -9.22% | 169.30% | - | - | |
Basic Shares Outstanding | 2 | 2 | 2 | 3 | 3 | - | |
Diluted Shares Outstanding | 2 | 2 | 2 | 3 | 3 | - | |
Shares Change (YoY) | -5.55% | -6.03% | -3.07% | 0.44% | - | - | |
EPS (Basic) | 0.84 | 0.77 | 0.78 | 0.82 | 0.31 | - | |
EPS (Diluted) | 0.83 | 0.76 | 0.77 | 0.82 | 0.31 | - | |
EPS Growth | 12.16% | -1.30% | -6.10% | 166.91% | - | - | |
Effective Tax Rate | 21.11% | 21.14% | 22.12% | 20.08% | 17.80% | - | |