$22.11M
Net Interest Income
$4.24M
Net Income
70.5%
Efficiency Ratio
3.46%
Net Int. Margin
6.0%
ROE
| Breakdown | TTM (Sep 30, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
|---|---|---|---|---|
| Interest Income | $22.73M | $22.47M | $25.28M | $28.17M |
| Interest Expense | $1.50M | $1.84M | $3.17M | $4.73M |
| Net Interest Income | $21.23M | $20.63M | $22.11M | $23.44M |
| Net Interest Income After Provision | $19.97M | $18.04M | $17.82M | $20.50M |
| Non-Interest Income | $8.48M | $9.64M | $10.54M | $9.72M |
| Service Charges & Fees | $2.18M | $2.13M | $2.08M | $1.93M |
| Other Non-Interest Income | $1.04M | $1.07M | $1.79M | $1.14M |
| Non-Interest Expense | $22.80M | $22.39M | $23.49M | $25.12M |
| Compensation & Benefits | $11.21M | $10.91M | $11.26M | $11.97M |
| Occupancy Expense | $2.10M | $2.14M | $2.26M | $2.38M |
| Technology & Equipment | $2.23M | $1.88M | $1.74M | $1.61M |
| Professional Fees | $2.02M | $1.77M | $1.65M | $1.87M |
| Other Non-Interest Expense | $1.57M | $1.47M | $1.37M | $1.27M |
| Income Tax Expense | $1.06M | $1.05M | $993.00K | $1.30M |
| Net Income | $4.58M | $4.24M | $3.88M | $3.80M |
| Basic EPS | 1.34 | 1.24 | 1.13 | 1.11 |
| Diluted EPS | 1.33 | 1.24 | 1.13 | 1.11 |
| Breakdown | FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
|---|---|---|---|
| Cash & Due from Banks | $9.15M | $14.09M | $13.86M |
| Interest-Bearing Deposits | $41.90M | $50.00M | $61.44M |
| Loans & Leases (Net) | $395.44M | $397.17M | $399.80M |
| Goodwill & Intangibles | $3.62M | $3.62M | $3.62M |
| Premises & Equipment | $16.89M | $18.42M | $18.93M |
| Other Assets | $2.00M | $2.45M | $3.08M |
| Total Assets | $638.31M | $651.08M | $675.59M |
| Total Deposits | $550.80M | $559.57M | $581.38M |
| Short-term Borrowings | - | - | - |
| Long-term Debt | $14.31M | $15.31M | $15.31M |
| Other Liabilities | $5.17M | $5.38M | $8.11M |
| Total Liabilities | $570.28M | $580.25M | $604.80M |
| Common Stock | $1.00M | $1.00M | $1.00M |
| Retained Earnings | $59.82M | $59.68M | $59.91M |
| Treasury Stock | $4.62M | $4.64M | $4.51M |
| AOCI | $-900.00K | $2.33M | $2.21M |
| Total Stockholders Equity | $68.03M | $70.82M | $70.79M |
| Total Liabilities & Equity | $638.31M | $651.08M | $675.59M |
| Breakdown | TTM (Sep 30, 2014) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
|---|---|---|---|---|
| Net Income | $4.58M | $4.24M | $3.88M | $3.80M |
| Depreciation & Amortization | $2.58M | $1.56M | $1.63M | $1.75M |
| Net Change in Loans HFS | $5.49M | $5.22M | $8.28M | $11.02M |
| Operating Cash Flow | - | $12.80M | $11.58M | $12.43M |
| Net Change in Loans | $-15.78M | $1.83M | $2.51M | $-6.15M |
| Capital Expenditures | $834.00K | $392.00K | $857.00K | $587.00K |
| Acquisitions | - | - | - | - |
| Investing Cash Flow | - | $-13.39M | $4.25M | $1.39M |
| Net Change in Deposits | $14.57M | $-24.66M | $-31.14M | $-34.29M |
| Net Change in Short-term Borrowings | - | - | - | $-12.78M |
| Long-term Debt Repaid | - | $700.00K | - | - |
| Common Stock Repurchased | $432.00K | $198.00K | $276.00K | $16.00K |
| Dividends Paid | $5.14M | $3.08M | $5.13M | $4.11M |
| Financing Cash Flow | - | $-12.43M | $-26.99M | $-19.89M |
SEC Filing Format - Data shown as it appears in the Q3 2014 (10-Q) filing
Period ended: Sep 30, 2014
Condensed Consolidated Statements of Operations
| Description | Sep 30, 2014 | Sep 30, 2014 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Interest Expense | $355.00K | - | $1.09M | - |
| Income Before Tax | $1.42M | - | $4.43M | - |
| Income Tax Expense | $277.00K | - | $865.00K | - |
| Net Income | $1.14M | - | $3.56M | - |
| Basic EPS | 0.33 | - | 1.04 | - |
| Diluted EPS | 0.33 | - | 1.03 | - |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2014 | Dec 31, 2013 |
|---|---|---|
| Cash & Cash Equivalents | $44.63M | $51.50M |
| Property Plant & Equipment | $16.27M | $16.89M |
| Goodwill | $3.62M | $3.62M |
| Intangible Assets | $168.00K | $312.00K |
| Total Assets | $649.98M | $638.31M |
| Long-term Debt | $14.31M | $14.31M |
| Total Liabilities | $578.72M | $570.28M |
| Common Stock | $1.00M | $1.00M |
| Retained Earnings | $60.30M | $59.82M |
| Treasury Stock | $4.85M | $4.62M |
| Total Stockholders Equity | $71.27M | $68.03M |
| Total Liabilities & Equity | $649.98M | $638.31M |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2014 | Sep 30, 2014 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $1.14M | - | $3.56M | - |
| Depreciation & Amortization | - | - | $1.09M | - |
| Capital Expenditure | - | - | $328.00K | - |
| Debt Repayment | - | - | - | - |
| Stock Repurchased | - | - | $432.00K | - |
| Dividends Paid | - | - | $2.06M | - |
| Net Change in Cash | - | - | $-6.87M | - |
All values are in USD (United States Dollars). Data is sourced from SEC EDGAR 10-K filings.
Annual data represents full fiscal year results. FY = Fiscal Year ending.