$22.11M
Net Interest Income
$4.24M
Net Income
70.5%
Efficiency Ratio
3.46%
Net Int. Margin
6.0%
ROE
| Breakdown | Q3 2014 (Sep 30, 2014) |
Q2 2014 (Jun 30, 2014) |
Q1 2014 (Mar 31, 2014) |
Q4 2013 (Dec 31, 2013) |
Q3 2013 (Sep 30, 2013) |
Q2 2013 (Jun 30, 2013) |
Q1 2013 (Mar 31, 2013) |
Q4 2012 (Dec 31, 2012) |
Q3 2012 (Sep 30, 2012) |
Q2 2012 (Jun 30, 2012) |
Q1 2012 (Mar 31, 2012) |
Q4 2011 (Dec 31, 2011) |
Q3 2011 (Sep 30, 2011) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Income | $5.95M | $5.68M | $5.62M | $5.48M | $5.51M | $5.59M | $5.90M | $6.28M | $6.20M | $6.28M | $6.53M | $6.68M | $6.83M |
| Interest Expense | $355.00K | $357.00K | $376.00K | $414.00K | $438.00K | $473.00K | $519.00K | $560.00K | $749.00K | $896.00K | $964.00K | $999.00K | $1.08M |
| Net Interest Income | $5.59M | $5.33M | $5.25M | $5.07M | $5.07M | $5.11M | $5.38M | $5.72M | $5.45M | $5.38M | $5.56M | $5.69M | $5.75M |
| Net Interest Income After Provision | $5.49M | $5.19M | $4.97M | $4.32M | $4.67M | $3.81M | $5.24M | $5.04M | $3.48M | $5.05M | $4.26M | $4.16M | $5.28M |
| Non-Interest Income | $2.16M | $2.07M | $1.97M | $2.28M | $2.15M | $3.27M | $1.95M | $2.13M | $3.99M | $2.30M | $2.12M | $2.70M | $2.57M |
| Service Charges & Fees | $567.00K | $567.00K | $523.00K | $521.00K | $545.00K | $557.00K | $506.00K | $500.00K | $512.00K | $555.00K | $510.00K | $-1.63M | $1.31M |
| Other Non-Interest Income | $283.00K | $255.00K | $266.00K | $241.00K | $307.00K | $273.00K | $247.00K | $291.00K | $742.00K | $333.00K | $425.00K | $-353.00K | $577.00K |
| Non-Interest Expense | $6.23M | $5.59M | $5.60M | $5.38M | $5.52M | $5.61M | $5.89M | $5.75M | $5.93M | $5.80M | $6.01M | $6.12M | $6.28M |
| Compensation & Benefits | $2.90M | $2.85M | $2.85M | $2.61M | $2.70M | $2.73M | $2.87M | $2.73M | $2.83M | $2.70M | $3.00M | $2.60M | $3.16M |
| Occupancy Expense | $516.00K | $508.00K | $555.00K | $520.00K | $523.00K | $537.00K | $559.00K | $562.00K | $561.00K | $567.00K | $569.00K | $572.00K | $594.00K |
| Technology & Equipment | $562.00K | $616.00K | $572.00K | $485.00K | $477.00K | $461.00K | $460.00K | $443.00K | $436.00K | $430.00K | $431.00K | $-688.00K | $767.00K |
| Professional Fees | $715.00K | $362.00K | $444.00K | $499.00K | $427.00K | $416.00K | $428.00K | $400.00K | $380.00K | $452.00K | $415.00K | $397.00K | $404.00K |
| Other Non-Interest Expense | $583.00K | $302.00K | $314.00K | $373.00K | $397.00K | $333.00K | $369.00K | $347.00K | $365.00K | $386.00K | $272.00K | $-952.00K | $792.00K |
| Income Tax Expense | $277.00K | $337.00K | $251.00K | $200.00K | $227.00K | $336.00K | $282.00K | $336.00K | $257.00K | $396.00K | $4.00K | $128.00K | $432.00K |
| Net Income | $1.14M | $1.34M | $1.09M | $1.02M | $1.07M | $1.14M | $1.02M | $1.09M | $1.27M | $1.16M | $361.00K | $617.00K | $1.13M |
| Basic EPS | 0.33 | 0.39 | 0.32 | 0.30 | 0.31 | 0.33 | 0.30 | 0.32 | 0.37 | 0.33 | 0.11 | 0.18 | 0.33 |
| Diluted EPS | 0.33 | 0.38 | 0.32 | 0.30 | 0.31 | 0.33 | 0.30 | 0.32 | 0.37 | 0.33 | 0.11 | 0.18 | 0.33 |
| Breakdown | Q3 2014 (Sep 30, 2014) |
Q2 2014 (Jun 30, 2014) |
Q1 2014 (Mar 31, 2014) |
Q4 2013 (Dec 31, 2013) |
Q3 2013 (Sep 30, 2013) |
Q2 2013 (Jun 30, 2013) |
Q1 2013 (Mar 31, 2013) |
Q4 2012 (Dec 31, 2012) |
Q3 2012 (Sep 30, 2012) |
Q2 2012 (Jun 30, 2012) |
Q1 2012 (Mar 31, 2012) |
Q4 2011 (Dec 31, 2011) |
Q3 2011 (Sep 30, 2011) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | $11.16M | $11.49M | $10.99M | $9.15M | $11.96M | $10.39M | $10.77M | $14.09M | $10.01M | $12.84M | $11.29M | $13.86M | $10.42M |
| Interest-Bearing Deposits | $33.02M | $40.15M | $58.28M | $41.90M | $41.61M | $55.69M | $58.59M | $50.00M | $69.53M | $66.93M | $81.29M | $61.44M | $54.42M |
| Loans & Leases (Net) | $397.26M | $386.81M | $385.86M | $395.44M | $398.42M | $403.80M | $403.15M | $397.17M | $393.76M | $391.99M | $389.50M | $399.80M | $401.35M |
| Goodwill & Intangibles | $3.62M | $3.62M | $3.62M | $3.62M | $3.62M | $3.62M | $3.62M | $3.62M | $3.62M | $3.62M | $3.62M | $3.62M | $3.62M |
| Premises & Equipment | $16.27M | $16.51M | $16.72M | $16.89M | $17.10M | $17.41M | $17.62M | $18.42M | $18.39M | $18.40M | $18.66M | $18.93M | $19.11M |
| Other Assets | $1.74M | $1.74M | $2.12M | $2.00M | $1.67M | $2.00M | $3.26M | $2.45M | $2.93M | $3.11M | $3.40M | $3.08M | $3.54M |
| Total Assets | $649.98M | $652.20M | $660.96M | $638.31M | $645.41M | $659.83M | $673.73M | $651.08M | $669.84M | $687.23M | $697.62M | $675.59M | $674.03M |
| Total Deposits | $557.23M | $560.78M | $572.13M | $550.80M | $558.08M | $572.93M | $577.35M | $559.57M | $576.35M | $592.98M | $602.96M | $581.38M | $576.39M |
| Short-term Borrowings | - | - | - | - | - | - | - | - | - | - | - | - | $1.18M |
| Long-term Debt | $14.31M | $14.31M | $14.31M | $14.31M | $14.31M | $14.31M | $15.31M | $15.31M | $15.31M | $15.31M | $15.31M | $15.31M | $15.31M |
| Other Liabilities | $7.18M | $6.17M | $5.08M | $5.17M | $4.90M | $4.91M | $10.78M | $5.38M | - | - | - | $8.11M | - |
| Total Liabilities | $578.72M | $581.26M | $591.52M | $570.28M | $577.28M | $592.14M | $603.44M | $580.25M | $598.68M | $616.27M | $626.96M | $604.80M | $602.18M |
| Common Stock | $1.00M | $1.00M | $1.00M | $1.00M | $1.00M | $1.00M | $1.00M | $1.00M | $1.00M | $1.00M | $1.00M | $1.00M | $1.00M |
| Retained Earnings | $60.30M | $60.18M | $59.88M | $59.82M | $59.83M | $59.79M | $59.68M | $59.68M | $59.62M | $59.38M | $59.25M | $59.91M | $60.32M |
| Treasury Stock | $4.85M | $4.62M | $4.62M | $4.62M | $4.66M | $4.81M | $4.74M | $4.64M | $4.61M | $4.50M | $4.50M | $4.51M | $4.50M |
| AOCI | $1.84M | $1.54M | $376.00K | $-900.00K | $-703.00K | $-838.00K | $1.88M | $2.33M | $2.74M | $2.80M | $2.68M | $2.21M | $2.88M |
| Total Stockholders Equity | $71.27M | $70.94M | $69.44M | $68.03M | $68.13M | $67.68M | $70.29M | $70.82M | $71.15M | $70.95M | $70.66M | $70.79M | $71.84M |
| Total Liabilities & Equity | $649.98M | $652.20M | $660.96M | $638.31M | $645.41M | $659.83M | $673.73M | $651.08M | $669.84M | $687.23M | $697.62M | $675.59M | $674.03M |
| Breakdown | Q3 2014 (Sep 30, 2014) |
Q2 2014 (Jun 30, 2014) |
Q1 2014 (Mar 31, 2014) |
Q4 2013 (Dec 31, 2013) |
Q3 2013 (Sep 30, 2013) |
Q2 2013 (Jun 30, 2013) |
Q1 2013 (Mar 31, 2013) |
Q4 2012 (Dec 31, 2012) |
Q3 2012 (Sep 30, 2012) |
Q2 2012 (Jun 30, 2012) |
Q1 2012 (Mar 31, 2012) |
Q4 2011 (Dec 31, 2011) |
Q3 2011 (Sep 30, 2011) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $1.14M | $1.34M | $1.09M | $1.02M | $3.23M | $1.14M | $1.02M | $1.09M | $2.79M | $1.16M | $361.00K | $617.00K | $3.18M |
| Depreciation & Amortization | $1.09M | $738.00K | $367.00K | $382.00K | $1.18M | $794.00K | $396.00K | $405.00K | $1.23M | $821.00K | $415.00K | $438.00K | $1.31M |
| Net Change in Loans HFS | $120.00K | $63.00K | $78.00K | $5.23M | $-10.00K | $346.00K | $-255.00K | $8.14M | $140.00K | - | $293.00K | $3.05M | - |
| Operating Cash Flow | - | - | - | $2.48M | $10.32M | $6.59M | $6.85M | $2.09M | $9.48M | $6.80M | $3.18M | $4.08M | $8.35M |
| Net Change in Loans | $3.15M | $-7.51M | $-9.33M | $-2.10M | $3.93M | $8.72M | $6.40M | $4.22M | $-1.71M | $-5.45M | $-8.47M | $3.03M | $-9.18M |
| Capital Expenditures | $328.00K | $250.00K | $137.00K | $119.00K | $273.00K | $268.00K | $140.00K | $388.00K | $469.00K | $144.00K | $73.00K | $170.00K | $417.00K |
| Acquisitions | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Investing Cash Flow | - | - | - | $3.24M | $-16.63M | $-16.05M | $-19.25M | $1.33M | $2.92M | $-11.84M | $-6.46M | $3.60M | $-2.21M |
| Net Change in Deposits | $6.43M | $9.98M | $21.33M | $-23.16M | $-1.49M | $13.36M | $17.78M | $-26.10M | $-5.04M | $11.60M | $21.58M | $-26.30M | $-7.98M |
| Net Change in Short-term Borrowings | - | - | - | - | - | - | - | - | - | - | - | $-1.18M | $-11.60M |
| Long-term Debt Repaid | - | - | - | - | $700.00K | $700.00K | - | - | - | - | - | - | - |
| Common Stock Repurchased | $432.00K | - | - | - | $198.00K | $198.00K | $114.00K | $25.00K | $251.00K | - | - | $16.00K | - |
| Dividends Paid | $2.06M | $1.03M | $1.03M | $1.03M | $2.05M | $1.02M | - | $2.05M | $3.08M | $2.05M | $1.03M | $1.03M | $3.08M |
| Financing Cash Flow | - | - | - | $-8.24M | $-4.19M | $11.47M | $17.68M | $-18.86M | $-8.13M | $9.57M | $20.58M | $2.77M | $-22.67M |
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-Q filings.
Quarterly data represents single quarter results (Q1-Q4). Some items may show year-to-date values if quarterly breakdown is unavailable.