Income Statement

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Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Interest Income 11,135 45,532 42,632 38,659 36,554
Interest Expense 2,143 8,983 6,802 5,014 4,426
Net Interest Income 8,992 36,549 35,830 33,645 32,128
FTE Net Interest Income NA 37,144 36,617 35,424 34,019
Provision for Loan Losses 1,625 1,250 500 500 1,150
Trading Account Income 0 0 0 6 (92)
Foreign Exchange Income 0 0 0 0 0
Trust Revenue 370 1,411 1,348 1,183 1,086
Service Charges on Deposits 862 3,648 3,757 3,404 3,354
Gain on Sale of Loans (FAS 140) 683 1,552 1,560 1,727 2,098
Loan Fees & Charges (83) 140 233 315 71
Bank-owned Life Insurance Revenue 143 439 262 0 0
Insurance Revenue 178 646 453 433 488
Investment Banking & Brokerage 127 543 665 818 778
Other Noninterest Income 1,170 5,003 4,932 4,670 4,079
Total Noninterest Income 3,450 13,382 13,210 12,556 11,862
Realized Gain on Securities 112 857 (65) 52 287
Nonrecurring Revenue 0 0 (9) 1,200 0
Compensation & Benefits 4,965 19,187 18,938 18,002 17,930
Occupancy & Equipment 1,094 4,066 3,944 3,773 3,772
Marketing and Promotion Expense 267 824 859 726 925
Professional Fees 245 1,183 908 1,082 1,628
Tech & Communications Expense NA NA 4,090 3,942 3,598
Amrt of Intang & Goodwill Impair 22 102 130 160 247
Foreclosure & Repo NA NA (75) 175 273
Other Expense 2,637 9,946 5,588 5,213 5,412
Total Noninterest Expense 9,230 35,308 34,382 33,073 33,785
Nonrecurring Expense 0 0 0 0 0
Pre-Provision Net Revenue 3,212 15,218 15,445 14,907 12,096
Non-FTE Pre-Provision Net Revenue 3,212 14,623 14,658 13,128 10,205
Net Income before Taxes 1,699 14,230 14,084 13,880 9,342
Provision for Taxes (52) 1,077 1,654 3,163 773
Effective Tax Rate(%) (3.06) 7.57 11.74 22.79 8.27
Min Int & Oth after-tax Items 0 0 0 0 0
Extraordinary Items 0 0 0 0 0
Net Income 1,751 13,153 12,430 10,717 8,569
Net Income Attributable to Noncontrolling Int 0 0 0 0 0
Net Income Attributable to Parent 1,751 13,153 12,430 10,717 8,569
Preferred Dividends 0 0 0 0 0
Other Preferred Dividends after Net Income 0 0 0 0 0
Other Changes to Net Income 0 0 0 0 0
Net Income Avail to Common 1,751 13,153 12,430 10,717 8,569
Net Income for Diluted EPS 1,751 13,153 12,430 10,717 8,569
EPS after Extra($) 0.30 2.21 2.09 1.81 1.43
EPS after Extra Growth(%) (36.20) 5.70 15.80 26.20 19.20
Pre-Provision Earnings per Share($) 0.43 1.94 1.95 1.44 1.11
Comprehensive Income
Net Income 1,751 13,153 12,430 10,717 8,569
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0 0
Total Other Comprehensive Income (2,481) 4,391 (2,481) 123 (1,315)
Comprehensive Income (730) 17,544 9,949 10,840 7,254
Interest Income Earned On:
Interest Earned on Loans 9,380 37,358 34,375 31,506 30,574
Int Inc: Securities 1,645 NA NA 8,682 7,732
Int Inc: Other Earn Assets 110 NA NA 250 139
Int Inc: Secs & Oth Earn Assets 1,755 8,769 9,044 8,932 7,871
Int Inc: Total Earn Assets 11,135 46,127 43,419 40,438 38,445
Interest Expense Incurred On:
Int Exp: CDs 923 3,311 2,039 1,571 1,452
Int Exp: Other Deposits 545 2,929 2,202 1,123 759
Int Exp: Total Deposits 1,468 6,240 4,241 2,694 2,211
Int Exp: Debt 675 2,743 2,561 2,320 2,215
Int Exp: Total Int-bearing Liab 2,143 8,983 6,802 5,014 4,426
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.