Interest Income on Loans | 205.6 | 187.46 | 162.21 | 159.17 | 165.96 | |
Interest Income on Investments | 37.72 | 38.75 | 24.39 | 8.81 | 12.32 | |
Total Interest Income | 243.32 | 226.21 | 186.6 | 167.98 | 178.29 | |
Interest Paid on Deposits | 90.59 | 53.35 | 5.73 | 6.67 | 23.7 | |
Interest Paid on Borrowings | 0.79 | 1.01 | 0.74 | 0.91 | 1.01 | |
Total Interest Expense | 91.38 | 54.36 | 6.47 | 7.57 | 24.71 | |
Net Interest Income | 151.94 | 171.85 | 180.14 | 160.41 | 153.58 | |
Net Interest Income Growth (YoY) | -11.58% | -4.60% | 12.30% | 4.45% | -1.43% | |
Trust Income | 7.25 | 6.43 | 7.04 | 7.36 | 6.28 | |
Gain (Loss) on Sale of Investments | 1.38 | - | - | - | 1.16 | |
Other Non-Interest Income | 11.2 | 11.89 | 12.22 | 10.58 | 9.74 | |
Total Non-Interest Income | 19.83 | 18.32 | 19.26 | 17.94 | 17.17 | |
Non-Interest Income Growth (YoY) | 8.29% | -4.91% | 7.38% | 4.47% | -7.64% | |
Revenues Before Loan Losses | 171.77 | 190.16 | 199.4 | 178.35 | 170.75 | |
Provision for Loan Losses | 2 | 1.25 | -0.34 | -5.45 | 5.6 | |
Revenue | 169.77 | 188.91 | 199.74 | 183.8 | 165.15 | |
Revenue Growth (YoY) | -10.13% | -5.42% | 8.67% | 11.29% | -5.22% | |
Salaries and Employee Benefits | 44.03 | 48.54 | 43 | 45.72 | 44.42 | |
Occupancy Expenses | 7.17 | 7.04 | 7.13 | 7.6 | 7.45 | |
Federal Deposit Insurance | 4.12 | 4.3 | 3.16 | 3.01 | 2.22 | |
Selling, General & Administrative | 42 | 38.87 | 36.62 | 36.23 | 33.23 | |
Other Non-Interest Expense | 7.65 | 9.28 | 10.1 | 8.92 | 8.3 | |
Total Non-Interest Expense | 105.73 | 108.55 | 100.32 | 101.66 | 95.7 | |
EBT Excluding Unusual Items | 64.05 | 80.36 | 99.42 | 82.13 | 69.45 | |
Legal Settlements | - | -2.75 | - | - | - | |
Pretax Income | 64.05 | 77.61 | 99.42 | 82.13 | 69.45 | |
Income Tax Expense | 15.21 | 18.97 | 24.18 | 20.61 | 16.99 | |
Net Income | 48.83 | 58.65 | 75.23 | 61.52 | 52.45 | |
Net Income to Common | 48.83 | 58.65 | 75.23 | 61.52 | 52.45 | |
Net Income Growth | -16.73% | -22.05% | 22.29% | 17.29% | -9.31% | |
Basic Shares Outstanding | 19 | 19 | 19 | 19 | 19 | |
Diluted Shares Outstanding | 19 | 19 | 19 | 19 | 19 | |
Shares Change (YoY) | 0.06% | -0.56% | -0.68% | -0.21% | -0.43% | |
EPS (Basic) | 2.57 | 3.08 | 3.93 | 3.19 | 2.72 | |
EPS (Diluted) | 2.57 | 3.08 | 3.93 | 3.19 | 2.72 | |
EPS Growth | -16.63% | -21.63% | 23.20% | 17.38% | -8.93% | |
Dividend Per Share | 1.440 | 1.440 | 1.410 | 1.372 | 1.363 | |
Dividend Growth | - | 2.13% | 2.78% | 0.69% | - | |
Effective Tax Rate | 23.75% | 24.44% | 24.32% | 25.10% | 24.47% | |