Income Statement

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Financial Highlights
3/31/2017
3/31/2018
6/30/2018
12/31/2018
Interest Income 9,376 10,220 10,550 42,632
Interest Expense 1,198 1,426 1,517 6,802
Net Interest Income 8,178 8,794 9,033 35,830
FTE Net Interest Income 8,702 9,157 NA 36,617
Provision for Loan Losses 350 0 250 500
Trading Account Income 17 0 0 0
Foreign Exchange Income 0 0 0 0
Trust Revenue 288 315 320 1,348
Service Charges on Deposits 794 977 973 3,757
Gain on Sale of Loans (FAS 140) 550 374 445 1,560
Loan Fees & Charges 114 52 96 233
Bank-owned Life Insurance Revenue 0 7 68 262
Insurance Revenue 116 97 135 453
Investment Banking & Brokerage 193 209 141 665
Other Noninterest Income 1,084 1,064 1,275 4,759
Total Noninterest Income 3,156 3,095 3,453 13,037
Realized Gain on Securities 0 (44) (30) (65)
Nonrecurring Revenue 1,194 0 0 (9)
Compensation & Benefits 4,445 4,493 4,717 18,938
Occupancy & Equipment 965 980 1,084 3,944
Marketing and Promotion Expense 212 219 221 859
Professional Fees 283 229 196 908
Tech & Communications Expense 930 982 1,014 4,090
Amrt of Intang & Goodwill Impair 43 36 35 130
Foreclosure & Repo 33 16 (75) (75)
Other Expense 1,275 1,335 1,507 5,415
Total Noninterest Expense 8,186 8,290 8,699 34,209
Nonrecurring Expense 0 0 0 0
Pre-Provision Net Revenue 3,672 3,962 3,787 15,445
Non-FTE Pre-Provision Net Revenue 3,148 3,599 3,787 14,658
Net Income before Taxes 3,992 3,555 3,507 14,084
Provision for Taxes 855 407 439 1,654
Effective Tax Rate(%) 21.42 11.45 12.52 11.74
Min Int & Oth after-tax Items 0 0 0 0
Extraordinary Items 0 0 0 0
Net Income 3,137 3,148 3,068 12,430
Net Income Attributable to Noncontrolling Int 0 0 0 0
Net Income Attributable to Parent 3,137 3,148 3,068 12,430
Preferred Dividends 0 0 0 0
Other Preferred Dividends after Net Income 0 0 0 0
Other Changes to Net Income 0 0 0 0
Net Income Avail to Common 3,137 3,148 3,068 12,430
Net Income for Diluted EPS 3,137 3,148 3,068 12,430
EPS after Extra($) 0.53 0.53 0.52 2.09
EPS after Extra Growth(%) 73.80 0 28.80 15.80
Pre-Provision Earnings per Share($) 0.35 0.48 0.50 1.95
Comprehensive Income
Net Income 3,137 3,148 3,068 12,430
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0
Total Other Comprehensive Income 736 (3,397) (966) (2,481)
Comprehensive Income 3,873 (249) 2,102 9,949
Interest Income Earned On:
Interest Earned on Loans 7,494 8,012 8,421 34,375
Int Inc: Securities NA NA 1,985 8,739
Int Inc: Other Earn Assets NA NA 144 305
Int Inc: Secs & Oth Earn Assets 2,406 2,571 2,129 9,044
Int Inc: Total Earn Assets 9,900 10,583 10,550 43,419
Interest Expense Incurred On:
Int Exp: CDs 388 413 254 2,039
Int Exp: Other Deposits 257 434 650 2,202
Int Exp: Total Deposits 645 847 904 4,241
Int Exp: Debt 553 579 613 2,561
Int Exp: Total Int-bearing Liab 1,198 1,426 1,517 6,802
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