Investor Relations

Income Statement

Financial Highlights
3/31/2017
3/31/2018
6/30/2018
12/31/2018
Interest Income 2,913 3,636 3,912 16,234
Interest Expense 247 397 500 2,307
Net Interest Income 2,666 3,239 3,412 13,927
FTE Net Interest Income NA NA NA NA
Provision for Loan Losses 35 254 155 591
Trading Account Income 0 0 0 0
Foreign Exchange Income 0 0 0 0
Trust Revenue 0 0 0 0
Service Charges on Deposits 80 87 89 333
Gain on Sale of Loans (FAS 140) 244 297 (129) 447
Loan Fees & Charges NA NA NA NA
Bank-owned Life Insurance Revenue 12 11 10 66
Insurance Revenue 0 0 0 0
Investment Banking & Brokerage 0 0 0 0
Other Noninterest Income (87) (85) 344 460
Total Noninterest Income 249 310 314 1,306
Realized Gain on Securities (1) 0 0 0
Nonrecurring Revenue 0 0 0 0
Compensation & Benefits 1,072 1,228 1,218 5,106
Occupancy & Equipment 247 235 226 932
Marketing and Promotion Expense 154 207 133 677
Professional Fees 63 84 97 374
Tech & Communications Expense NA NA NA NA
Amrt of Intang & Goodwill Impair 0 0 0 0
Foreclosure & Repo 0 0 0 0
Other Expense 498 543 567 2,291
Total Noninterest Expense 2,034 2,297 2,241 9,380
Nonrecurring Expense 0 0 0 0
Pre-Provision Net Revenue 881 1,252 1,485 5,853
Non-FTE Pre-Provision Net Revenue 881 1,252 1,485 5,853
Net Income before Taxes 845 998 1,330 5,262
Provision for Taxes 309 244 328 1,220
Effective Tax Rate(%) 36.57 24.45 24.66 23.19
Min Int & Oth after-tax Items 0 0 0 0
Extraordinary Items 0 0 0 0
Net Income 536 754 1,002 4,042
Net Income Attributable to Noncontrolling Int 0 0 0 0
Net Income Attributable to Parent 536 754 1,002 4,042
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 536 754 1,002 4,042
Net Income for Diluted EPS 536 754 1,002 4,042
EPS after Extra($) 0.27 0.24 0.32 1.29
EPS after Extra Growth(%) 42.10 (11.10) 6.70 24
Pre-Provision Earnings per Share($) 0.29 0.31 0.37 1.48
Comprehensive Income
Net Income 536 754 1,002 4,042
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0
Total Other Comprehensive Income 48 (545) (81) (260)
Comprehensive Income 584 209 921 3,782
Interest Income Earned On:
Interest Earned on Loans 2,635 3,274 3,543 14,469
Int Inc: Securities 209 288 287 1,131
Int Inc: Other Earn Assets 69 74 82 634
Int Inc: Secs & Oth Earn Assets 278 362 369 1,765
Int Inc: Total Earn Assets 2,913 3,636 3,912 16,234
Interest Expense Incurred On:
Int Exp: CDs 30 50 85 483
Int Exp: Other Deposits 217 347 415 1,824
Int Exp: Total Deposits 247 397 500 2,307
Int Exp: Debt 0 0 0 0
Int Exp: Total Int-bearing Liab 247 397 500 2,307
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.