Interest Income on Loans | 50.5 | 46.47 | 38.18 | 33.39 | 34.44 | |
Interest Income on Investments | 6.88 | 4.14 | 1.62 | 0.49 | 0.5 | |
Total Interest Income | 57.37 | 50.61 | 39.8 | 33.87 | 34.94 | |
Interest Paid on Deposits | 24.08 | 14.14 | 2.95 | 3.28 | 7 | |
Interest Paid on Borrowings | 2.3 | 2.62 | 1.55 | 0.67 | 0.45 | |
Total Interest Expense | 26.37 | 16.76 | 4.5 | 3.95 | 7.45 | |
Net Interest Income | 31 | 33.85 | 35.3 | 29.92 | 27.49 | |
Net Interest Income Growth (YoY) | -8.41% | -4.09% | 17.96% | 8.86% | 1.94% | |
Mortgage Banking Activities | 1.12 | 1.18 | 1.24 | 1.28 | 1.03 | |
Other Non-Interest Income | 3.28 | 3.49 | 2.79 | 1.86 | 0.4 | |
Total Non-Interest Income | 4.66 | 5.01 | 4.58 | 7.33 | 7.45 | |
Non-Interest Income Growth (YoY) | -7.01% | 9.25% | -37.48% | -1.56% | 84.92% | |
Revenues Before Loan Losses | 35.66 | 38.86 | 39.88 | 37.25 | 34.93 | |
Provision for Loan Losses | -0.12 | -0.27 | 1.16 | 0.43 | 0.93 | |
Revenue | 35.78 | 39.13 | 38.72 | 36.82 | 34.01 | |
Revenue Growth (YoY) | -8.57% | 1.05% | 5.15% | 8.29% | 9.29% | |
Salaries and Employee Benefits | 16.45 | 15.99 | 15.12 | 13.12 | 11.14 | |
Occupancy Expenses | 0.58 | 0.73 | 0.62 | 0.61 | 0.72 | |
Federal Deposit Insurance | 0.79 | 0.69 | 0.45 | 0.38 | 0.59 | |
Selling, General & Administrative | 6.81 | 6.98 | 6.16 | 5.95 | 5.01 | |
Other Non-Interest Expense | 5.53 | 5.72 | 5.49 | 5.35 | 5.21 | |
Total Non-Interest Expense | 30.13 | 30.13 | 27.85 | 25.4 | 22.68 | |
EBT Excluding Unusual Items | 5.65 | 9 | 10.88 | 11.43 | 11.33 | |
Pretax Income | 5.65 | 9 | 10.88 | 11.43 | 11.33 | |
Income Tax Expense | 1.01 | 1.56 | 2.07 | 2.27 | 2.39 | |
Net Income | 4.64 | 7.44 | 8.8 | 9.16 | 8.94 | |
Preferred Dividends & Other Adjustments | 0.03 | 0.05 | 0.06 | 0.06 | - | |
Net Income to Common | 4.61 | 7.39 | 8.74 | 9.09 | 8.94 | |
Net Income Growth | -37.63% | -15.50% | -3.84% | 2.45% | 33.81% | |
Basic Shares Outstanding | 3 | 3 | 3 | 3 | 3 | |
Diluted Shares Outstanding | 3 | 3 | 3 | 3 | 3 | |
Shares Change (YoY) | -0.61% | -1.21% | -0.50% | 1.31% | 0.36% | |
EPS (Basic) | 1.81 | 2.89 | 3.39 | 3.52 | 3.49 | |
EPS (Diluted) | 1.80 | 2.86 | 3.35 | 3.46 | 3.42 | |
EPS Growth | -37.06% | -14.63% | -3.25% | 1.24% | 32.28% | |
Dividend Per Share | 0.760 | 0.740 | 0.680 | 0.680 | 0.800 | |
Dividend Growth | 2.70% | 8.82% | - | -15.00% | 42.86% | |
Effective Tax Rate | 17.82% | 17.34% | 19.05% | 19.88% | 21.11% | |