Income Statement

Financial Highlights
12/31/2015
12/31/2016
3/31/2017
NA NA NA
Interest Income 16,082 16,635 4,184
Interest Expense 2,283 1,784 438
Net Interest Income 13,799 14,851 3,746
FTE Net Interest Income 13,902 14,916 NA
Provision for Loan Losses 553 301 25
Trading Account Income 0 0 0
Foreign Exchange Income 0 0 0
Trust Revenue 0 0 0
Service Charges on Deposits 2,876 2,594 597
Gain on Sale of Loans (FAS 140) 42 97 15
Loan Fees & Charges NA NA NA
Bank-owned Life Insurance Revenue 426 463 NA
Insurance Revenue NA NA NA
Investment Banking & Brokerage NA NA NA
Other Noninterest Income 397 315 220
Total Noninterest Income 3,741 3,469 832
Realized Gain on Securities 32 0 0
Nonrecurring Revenue 29 212 0
Compensation & Benefits 6,393 7,021 1,768
Occupancy & Equipment 1,918 1,897 523
Marketing and Promotion Expense 300 324 109
Professional Fees 679 720 201
Tech & Communications Expense NA NA NA
Amrt of Intang & Goodwill Impair 66 0 0
Foreclosure & Repo 72 10 0
Other Expense 3,062 2,891 733
Total Noninterest Expense 12,490 12,863 3,334
Nonrecurring Expense 0 208 0
Pre-Provision Net Revenue 5,153 5,522 1,244
Non-FTE Pre-Provision Net Revenue 5,050 5,457 1,244
Net Income before Taxes 4,558 5,160 1,219
Provision for Taxes 1,334 1,580 369
Effective Tax Rate(%) 29.27 30.62 30.27
Min Int & Oth after-tax Items 0 0 0
Extraordinary Items 0 0 0
Net Income 3,224 3,580 850
Net Income Attributable to Noncontrolling Int 0 0 0
Net Income Attributable to Parent 3,224 3,580 850
Preferred Dividends 0 0 0
Other Preferred Dividends after Net Income 0 0 0
Other Changes to Net Income (67) (31) (9)
Net Income Avail to Common 3,157 3,549 841
Net Income for Diluted EPS 3,157 3,549 841
EPS after Extra($) 0.64 0.71 0.17
EPS after Extra Growth(%) 20.80 10.90 0
Pre-Provision Earnings per Share($) 0.65 0.70 0.16
Comprehensive Income
Net Income 3,224 3,580 850
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0
Total Other Comprehensive Income (238) (273) 155
Comprehensive Income 2,986 3,307 1,005
Interest Income Earned On:
Interest Earned on Loans 15,346 16,041 4,017
Int Inc: Securities 778 623 156
Int Inc: Other Earn Assets 61 36 11
Int Inc: Secs & Oth Earn Assets 839 659 167
Int Inc: Total Earn Assets 16,185 16,700 4,184
Interest Expense Incurred On:
Int Exp: CDs 860 593 148
Int Exp: Other Deposits 144 172 81
Int Exp: Total Deposits 1,004 765 229
Int Exp: Debt 1,279 1,019 209
Int Exp: Total Int-bearing Liab 2,283 1,784 438
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