Interest Income on Loans | 21,615 | 21,596 | 19,902 | 16,881 | 15,228 | 15,950 | |
Interest Income on Investments | 1,012 | 1,049 | 808 | 265 | 43 | 117 | |
Total Interest Income | 22,627 | 22,645 | 20,710 | 17,146 | 15,271 | 16,067 | |
Interest Paid on Deposits | 3,734 | 3,806 | 2,952 | 1,008 | 566 | 1,094 | |
Interest Paid on Borrowings | 823 | 828 | 759 | 513 | 466 | 571 | |
Total Interest Expense | 4,557 | 4,634 | 3,711 | 1,521 | 1,032 | 1,665 | |
Net Interest Income | 18,070 | 18,011 | 16,999 | 15,625 | 14,239 | 14,402 | |
Net Interest Income Growth (YoY) | 4.13% | 5.95% | 8.79% | 9.73% | -1.13% | -14.27% | |
Gain (Loss) on Sale of Assets | -31 | 1,069 | - | - | - | - | |
Other Non-Interest Income | -2,994 | -2,955 | -3,372 | -3,951 | -4,047 | -3,240 | |
Total Non-Interest Income | -3,025 | -1,886 | -3,372 | -3,951 | -4,047 | -3,240 | |
Revenues Before Loan Losses | 15,045 | 16,125 | 13,627 | 11,674 | 10,192 | 11,162 | |
Provision for Loan Losses | 6,340 | 6,733 | 5,965 | 3,375 | 726 | 5,310 | |
Revenue | 8,705 | 9,392 | 7,662 | 8,299 | 9,466 | 5,852 | |
Revenue Growth (YoY) | 0.44% | 22.58% | -7.68% | -12.33% | 61.76% | -35.92% | |
Salaries and Employee Benefits | 1,882 | 1,872 | 1,841 | 1,681 | 1,501 | 1,380 | |
Selling, General & Administrative | 2,284 | 2,263 | 2,081 | 1,942 | 1,818 | 1,699 | |
Other Non-Interest Expense | 518 | 512 | 505 | 541 | 540 | 642 | |
Total Non-Interest Expense | 4,684 | 4,647 | 4,427 | 4,164 | 3,859 | 3,721 | |
EBT Excluding Unusual Items | 4,021 | 4,745 | 3,235 | 4,135 | 5,607 | 2,131 | |
Other Unusual Items | -192 | -192 | -288 | -173 | -104 | -334 | |
Pretax Income | 3,829 | 4,553 | 2,904 | 3,962 | 5,503 | 1,797 | |
Income Tax Expense | 866 | 1,054 | 666 | 946 | 1,282 | 412 | |
Net Income | 2,963 | 3,499 | 2,238 | 3,016 | 4,221 | 1,385 | |
Preferred Dividends & Other Adjustments | 82 | 72 | 42 | 42 | 42 | 42 | |
Net Income to Common | 2,881 | 3,427 | 2,196 | 2,974 | 4,179 | 1,343 | |
Net Income Growth | 1.13% | 56.34% | -25.80% | -28.55% | 204.76% | -63.04% | |
Basic Shares Outstanding | 392 | 397 | 421 | 480 | 565 | 589 | |
Diluted Shares Outstanding | 396 | 401 | 424 | 483 | 569 | 591 | |
Shares Change (YoY) | -4.89% | -5.41% | -12.39% | -15.09% | -3.64% | -12.28% | |
EPS (Basic) | 7.36 | 8.64 | 5.21 | 6.19 | 7.40 | 2.28 | |
EPS (Diluted) | 7.27 | 8.55 | 5.19 | 6.15 | 7.34 | 2.27 | |
EPS Growth | 4.77% | 64.74% | -15.61% | -16.21% | 223.35% | -59.17% | |
Dividend Per Share | 1.000 | 1.000 | 0.960 | 0.900 | 0.880 | 0.880 | |
Dividend Growth | 2.04% | 4.17% | 6.67% | 2.27% | - | 2.33% | |
Effective Tax Rate | 22.62% | 23.15% | 22.93% | 23.88% | 23.30% | 22.93% | |