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Income Statement

 2013 Y 2014 Y 2015 Y 2016 Y
Interest Income25,53631,21541,44758,899
Interest Expense8,0888,92810,69419,210
Net Interest Income17,44822,28730,75339,689
FTE Net Interest IncomeNANANANA
Provision for Loan Losses3243491,9464,330
Trading Account Income227 (631) 00
Foreign Exchange Income0000
Trust Revenue0000
Service Charges on Deposits687707764818
Gain on Sale of Loans (FAS 140)8,3795,0488,84512,462
Loan Fees & ChargesNANANANA
Bank-owned Life Insurance Revenue396390402468
Insurance Revenue0000
Investment Banking & Brokerage0000
Other Noninterest Income (60) 1,122130152
Total Noninterest Income9,6296,63610,14113,900
Realized Gain on Securities735380177
Nonrecurring Revenue (185) 000
Compensation & Benefits10,25012,34814,27117,387
Occupancy & Equipment2,1962,9372,7683,699
Marketing and Promotion Expense1,8581,4551,7561,823
Professional Fees2,1521,9022,3743,143
Tech & Communications Expense9111,3851,3591,499
Amrt of Intang & Goodwill Impair0000
Foreclosure & Repo1171 (36) 0
Other Expense2,9112,5642,7913,900
Total Noninterest Expense20,28922,66225,28331,451
Nonrecurring Expense193000
Pre-Provision Net Revenue6,7886,26115,61122,138
Non-FTE Pre-Provision Net Revenue6,7886,26115,61122,138
Net Income before Taxes6,1596,45013,66517,985
Provision for Taxes1,5662,1264,7365,911
Effective Tax Rate (%) 25.4332.9634.6632.87
Min Int & Oth after-tax Items0000
Extraordinary Items0000
Net Income4,5934,3248,92912,074
Net Income Attributable to Noncontrolling Int0000
Net Income Attributable to Parent4,5934,3248,92912,074
Preferred Dividends0000
Other Preferred Dividends after Net Income0000
Other Changes to Net Income0000
Net Income Avail to Common4,5934,3248,92912,074
Net Income for Diluted EPS4,5934,3248,92912,074
EPS after Extra ($) 1.510.961.962.30
EPS after Extra Growth (%) (22.6)(36.4)104.2017.30
Pre-Provision Earnings per Share ($) 1.450.902.232.74
Comprehensive Income   
Net Income4,5934,3248,92912,074
Preferred Dividend Adjustment to Comprehensive Inc0000
Total Other Comprehensive Income (4,190) 2,237 (1,074) (8,059)
Comprehensive Income4036,5617,8554,015
Interest Income/ Expense Detail   
Interest Income Earned On:   
Interest Earned on Loans20,84327,87537,04949,054
Int Inc: Securities4,5023,0944,0409,182
Int Inc: Other Earn Assets191246358663
Int Inc: Secs & Oth Earn Assets4,6933,3404,3989,845
Int Inc: Total Earn Assets25,53631,21541,44758,899
Interest Expense Incurred On:   
Int Exp: CDs4,7385,1936,05912,680
Int Exp: Other Deposits2,1232,4602,6963,173
Int Exp: Total Deposits6,8617,6538,75515,853
Int Exp: Debt1,2271,2751,9393,357
Int Exp: Total Int-bearing Liab8,0888,92810,69419,210

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