Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.

Customer Service

800-442-6666


24-Hour Telephone Banking

888-568-6310

Search

What can we help you find?

Income Statement

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 8,090 34,643 34,364 30,920 30,507
Interest Expense 1,025 5,269 4,986 3,034 4,596
Net Interest Income 7,065 29,374 29,378 27,886 25,911
FTE Net Interest Income NA NA NA NA NA
Provision for Loan Losses 0 210 390 0 0
Trading Account Income 0 0 0 0 0
Foreign Exchange Income 0 0 0 0 0
Trust Revenue 0 0 0 0 0
Service Charges on Deposits NA 1,549 1,615 1,677 1,756
Gain on Sale of Loans (FAS 140) NA 336 123 82 NA
Loan Fees & Charges NA NA 9 4 NA
Bank-owned Life Insurance Revenue NA 533 (329) 389 200
Insurance Revenue NA NA 1 16 NA
Investment Banking & Brokerage NA NA 364 473 NA
Other Noninterest Income NA 3,034 2,926 2,425 3,730
Total Noninterest Income 1,144 5,452 4,709 5,066 5,686
Realized Gain on Securities (2,426) 4,572 (1,908) 2,704 2,661
Nonrecurring Revenue 0 1,200 0 316 0
Compensation & Benefits NA 18,686 18,515 16,117 17,788
Occupancy & Equipment NA 3,491 3,408 3,644 3,434
Marketing and Promotion Expense NA NA 338 240 180
Professional Fees NA 2,068 2,094 1,883 2,082
Tech & Communications Expense NA 1,544 2,662 1,315 1,316
Amrt of Intang & Goodwill Impair 0 0 44 38 50
Foreclosure & Repo NA (17) 81 (96) 37
Other Expense NA 3,437 1,927 3,105 340
Total Noninterest Expense 7,715 29,209 29,069 26,246 25,227
Nonrecurring Expense 0 0 0 0 4,070
Pre-Provision Net Revenue 494 5,617 5,018 6,706 6,370
Non-FTE Pre-Provision Net Revenue 494 5,617 5,018 6,706 6,370
Net Income before Taxes (1,932) 11,179 2,720 9,726 4,961
Provision for Taxes (540) 1,895 (218) 2,448 946
Effective Tax Rate(%) NM 16.95 (8.01) 25.17 19.07
Min Int & Oth after-tax Items 0 0 0 0 0
Extraordinary Items 0 0 0 0 0
Net Income (1,392) 9,284 2,938 7,278 4,015
Net Income Attributable to Noncontrolling Int 0 0 0 0 0
Net Income Attributable to Parent (1,392) 9,284 2,938 7,278 4,015
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 (1,392) 9,284 2,938 7,278 4,015
Net Income for Diluted EPS (1,392) 9,284 2,938 7,278 4,015
EPS after Extra($) (0.51) 3.37 1.07 2.64 1.46
EPS after Extra Growth(%) NM 215 (59.50) 80.80 (35.40)
Pre-Provision Earnings per Share($) 0.14 1.61 1.44 1.58 1.51
Comprehensive Income
Net Income (1,392) 9,284 2,938 7,278 4,015
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0 0
Total Other Comprehensive Income NA 4,603 (2,783) 1,269 1,842
Comprehensive Income NA 13,887 155 8,547 5,857
Interest Income Earned On:
Interest Earned on Loans NA 28,513 27,032 23,874 24,237
Int Inc: Securities NA 5,735 7,231 6,926 5,980
Int Inc: Other Earn Assets NA 395 101 120 290
Int Inc: Secs & Oth Earn Assets NA 6,130 7,332 7,046 6,270
Int Inc: Total Earn Assets 8,090 34,643 34,364 30,920 30,507
Interest Expense Incurred On:
Int Exp: CDs NA NA 1,748 1,436 2,605
Int Exp: Other Deposits NA NA 1,362 779 642
Int Exp: Total Deposits NA 4,084 3,110 2,215 3,247
Int Exp: Debt NA 1,185 1,876 819 1,349
Int Exp: Total Int-bearing Liab 1,025 5,269 4,986 3,034 4,596
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.