Income Statement

Financial Highlights
2020 FQ2 YTD
3/31/2020
2019 FY
9/30/2019
2018 FY
9/30/2018
2017 FY
9/30/2017
2016 FY
9/30/2016

Interest Income

32,857

67,759

64,503

58,318

58,366

Interest Expense

9,299

20,749

16,268

12,799

11,431

Net Interest Income

23,558

47,010

48,235

45,519

46,935

FTE Net Interest Income

NA

NA NA NA NA

Provision for Loan Losses

875

2,076

4,000

3,350

2,550

Trading Account Income

0

0 0 0 0

Foreign Exchange Income

0

0 0 0 0

Trust Revenue

747

1,099

1,020

752

780

Service Charges on Deposits

1,605

3,319

3,373

3,440

3,552

Gain on Sale of Loans (FAS 140)

144

0 0 0 0

Loan Fees & Charges

1,233

1,225

1,319

1,337

1,176

Bank-owned Life Insurance Revenue

476

971

1,004

1,033

938

Insurance Revenue

446

818

764

747

843

Investment Banking & Brokerage

0

0 0 0 0

Other Noninterest Income

104

676

171

595

236

Total Noninterest Income

4,755

8,108

7,651

7,904

7,525

Realized Gain on Securities

376

49

162

295

1,258

Nonrecurring Revenue

0

0 0 0 0

Compensation & Benefits

12,315

24,029

23,802

24,420

23,630

Occupancy & Equipment

2,136

4,189

4,461

4,472

5,129

Marketing and Promotion Expense

234

699

903

1,137

1,061

Professional Fees

992

2,054

2,368

2,886

2,529

Tech & Communications Expense

2,102

3,648

3,892

3,985

4,260

Amrt of Intang & Goodwill Impair

140

309

469

643

763

Foreclosure & Repo

66

(81)

(24)

(370)

27

Other Expense

1,602

3,206

3,282

4,265

5,214

Total Noninterest Expense

19,587

38,053

39,153

41,438

42,613

Nonrecurring Expense

0

0

700

0

245

Pre-Provision Net Revenue

8,726

17,065

16,733

11,985

11,847

Non-FTE Pre-Provision Net Revenue

8,726

17,065

16,733

11,985

11,847

Net Income before Taxes

8,227

15,038

12,195

8,930

10,310

Provision for Taxes

1,410

2,415

5,664

1,591

2,583

Effective Tax Rate(%)

17.14

16.06

46.45

17.82

25.05

Min Int & Oth after-tax Items

0

0 0 0 0

Extraordinary Items

0

0 0 0 0

Net Income

6,817

12,623

6,531

7,339

7,727

Net Income Attributable to Noncontrolling Int

0

0 0 0 0

Net Income Attributable to Parent

6,817

12,623

6,531

7,339

7,727

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

6,817

12,623

6,531

7,339

7,727

Net Income for Diluted EPS

6,817

12,623

6,531

7,339

7,727

EPS after Extra($)

0.65

1.18

0.60

0.69

0.73

EPS after Extra Growth(%)

20.40

96.70

(13)

(5.50)

(21.50)

Pre-Provision Earnings per Share($)

0.66

1.26

1.21

0.73

0.73

Comprehensive Income

Net Income

6,817

12,623

6,531

7,339

7,727

Preferred Dividend Adjustment to Comprehensive Inc

0

0 0 0 0

Total Other Comprehensive Income

2,276

8,626

(8,810)

1,078

563

Comprehensive Income

9,093

21,249

(2,279)

8,417

8,290

Interest Income Earned On:

Interest Earned on Loans

28,195

56,522

53,398

48,162

49,084

Int Inc: Securities

NA

10,641

10,734

9,965

9,229

Int Inc: Other Earn Assets

NA

596

371

191

53

Int Inc: Secs & Oth Earn Assets

4,662

11,237

11,105

10,156

9,282

Int Inc: Total Earn Assets

32,857

67,759

64,503

58,318

58,366

Interest Expense Incurred On:

Int Exp: CDs

NA

9,647

8,055

6,872

6,784

Int Exp: Other Deposits

NA

4,775

2,253

1,599

811

Int Exp: Total Deposits

6,561

14,422

10,308

8,471

7,595

Int Exp: Debt

2,738

6,327

5,960

4,328

3,836

Int Exp: Total Int-bearing Liab

9,299

20,749

16,268

12,799

11,431

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.