Interest Income on Loans | 16.63 | 15.01 | 11.81 | 10.66 | 11.98 | 12.36 | |
Interest Income on Investments | 1.39 | 1.26 | 0.95 | 0.26 | 0.17 | 0.46 | |
Total Interest Income | 18.02 | 16.28 | 12.76 | 10.91 | 12.15 | 12.82 | |
Interest Paid on Deposits | 7.27 | 6.06 | 1.81 | 1.39 | 1.71 | 2.41 | |
Interest Paid on Borrowings | 3.18 | 3.22 | 2.09 | 0.37 | 0.43 | 1.09 | |
Total Interest Expense | 10.45 | 9.28 | 3.9 | 1.75 | 2.14 | 3.5 | |
Net Interest Income | 7.57 | 6.99 | 8.86 | 9.16 | 10.01 | 9.32 | |
Net Interest Income Growth (YoY) | 3.68% | -21.02% | -3.32% | -8.50% | 7.37% | -1.31% | |
Gain (Loss) on Sale of Assets | - | - | - | - | -0 | - | |
Other Non-Interest Income | 0.29 | 0.24 | 0.29 | 0.3 | 0.26 | 0.24 | |
Total Non-Interest Income | 0.44 | 0.25 | 0.3 | 0.52 | 0.6 | 0.4 | |
Non-Interest Income Growth (YoY) | 71.09% | -16.89% | -41.36% | -13.44% | 49.12% | 64.20% | |
Revenues Before Loan Losses | 8.01 | 7.25 | 9.16 | 9.68 | 10.61 | 9.72 | |
Provision for Loan Losses | 0.02 | 0.02 | 0.11 | -0.06 | 0.19 | 0.1 | |
Revenue | 7.99 | 7.22 | 9.05 | 9.74 | 10.41 | 9.62 | |
Revenue Growth (YoY) | 5.86% | -20.17% | -7.09% | -6.52% | 8.25% | -0.62% | |
Salaries and Employee Benefits | 4.87 | 4.99 | 4.91 | 4.78 | 5.24 | 5.42 | |
Occupancy Expenses | 0.58 | 0.59 | 0.61 | 0.63 | 0.65 | 0.57 | |
Federal Deposit Insurance | 0.27 | 0.24 | 0.12 | 0.07 | 0.17 | - | |
Selling, General & Administrative | 1.61 | 1.6 | 1.25 | 1.26 | 1.37 | 1.32 | |
Other Non-Interest Expense | 0.9 | 0.73 | 0.83 | 0.83 | 0.76 | 0.97 | |
Total Non-Interest Expense | 8.32 | 8.23 | 7.82 | 7.67 | 8.24 | 8.34 | |
EBT Excluding Unusual Items | -0.33 | -1.01 | 1.23 | 2.07 | 2.17 | 1.28 | |
Pretax Income | -1.28 | -1.96 | 1.23 | 2.07 | 2.17 | -12.28 | |
Income Tax Expense | -0.09 | -0.24 | 0.29 | 0.48 | 0.35 | 0.26 | |
Net Income | -1.19 | -1.72 | 0.93 | 1.59 | 1.82 | -12.55 | |
Net Income to Common | -1.19 | -1.72 | 0.93 | 1.59 | 1.82 | -12.55 | |
Net Income Growth | - | - | -41.32% | -12.64% | - | - | |
Basic Shares Outstanding | 8 | 8 | 8 | 8 | 8 | 8 | |
Diluted Shares Outstanding | 8 | 8 | 8 | 8 | 8 | 8 | |
Shares Change (YoY) | -0.07% | -0.40% | -1.00% | -0.03% | -0.43% | -1.00% | |
EPS (Basic) | -0.15 | -0.21 | 0.11 | 0.19 | 0.22 | -1.52 | |
EPS (Diluted) | -0.15 | -0.21 | 0.11 | 0.19 | 0.22 | -1.52 | |
EPS Growth | - | - | -42.10% | -13.64% | - | - | |
Dividend Per Share | - | 0.100 | 0.400 | 0.400 | 0.400 | 0.400 | |
Dividend Growth | - | -75.00% | - | - | - | - | |
Effective Tax Rate | - | - | 23.96% | 23.08% | 16.21% | - | |