$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) |
|---|---|---|---|---|---|---|
| Interest Income | $5.95M | $5.68M | $5.62M | $5.48M | $5.51M | $5.59M |
| Interest Expense | $355.00K | $357.00K | $376.00K | $414.00K | $438.00K | $473.00K |
| Net Interest Income | $5.59M | $5.33M | $5.25M | $5.07M | $5.07M | $5.11M |
| Net Interest Income After Provision | $5.49M | $5.19M | $4.97M | $4.32M | $4.67M | $3.81M |
| Non-Interest Income | $2.16M | $2.07M | $1.97M | $2.28M | $2.15M | $3.27M |
| Service Charges & Fees | $567.00K | $567.00K | $523.00K | $521.00K | $545.00K | $557.00K |
| Other Non-Interest Income | $283.00K | $255.00K | $266.00K | $241.00K | $307.00K | $273.00K |
| Non-Interest Expense | $6.23M | $5.59M | $5.60M | $5.38M | $5.52M | $5.61M |
| Compensation & Benefits | $2.90M | $2.85M | $2.85M | $2.61M | $2.70M | $2.73M |
| Occupancy Expense | $516.00K | $508.00K | $555.00K | $520.00K | $523.00K | $537.00K |
| Technology & Equipment | $562.00K | $616.00K | $572.00K | $485.00K | $477.00K | $461.00K |
| Professional Fees | $715.00K | $362.00K | $444.00K | $499.00K | $427.00K | $416.00K |
| Other Non-Interest Expense | $583.00K | $302.00K | $314.00K | $373.00K | $397.00K | $333.00K |
| Income Tax Expense | $277.00K | $337.00K | $251.00K | $200.00K | $227.00K | $336.00K |
| Net Income | $1.14M | $1.34M | $1.09M | $1.02M | $1.07M | $1.14M |
| Basic EPS | 0.33 | 0.39 | 0.32 | 0.30 | 0.31 | 0.33 |
| Diluted EPS | 0.33 | 0.38 | 0.32 | 0.30 | 0.31 | 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) |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | $11.16M | $11.49M | $10.99M | $9.15M | $11.96M | $10.39M |
| Interest-Bearing Deposits | $33.02M | $40.15M | $58.28M | $41.90M | $41.61M | $55.69M |
| Loans & Leases (Net) | $397.26M | $386.81M | $385.86M | $395.44M | $398.42M | $403.80M |
| Goodwill & Intangibles | $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 |
| Other Assets | $1.74M | $1.74M | $2.12M | $2.00M | $1.67M | $2.00M |
| Total Assets | $649.98M | $652.20M | $660.96M | $638.31M | $645.41M | $659.83M |
| Total Deposits | $557.23M | $560.78M | $572.13M | $550.80M | $558.08M | $572.93M |
| Long-term Debt | $14.31M | $14.31M | $14.31M | $14.31M | $14.31M | $14.31M |
| Other Liabilities | $7.18M | $6.17M | $5.08M | $5.17M | $4.90M | $4.91M |
| Total Liabilities | $578.72M | $581.26M | $591.52M | $570.28M | $577.28M | $592.14M |
| Common Stock | $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 |
| Treasury Stock | $4.85M | $4.62M | $4.62M | $4.62M | $4.66M | $4.81M |
| AOCI | $1.84M | $1.54M | $376.00K | $-900.00K | $-703.00K | $-838.00K |
| Total Stockholders Equity | $71.27M | $70.94M | $69.44M | $68.03M | $68.13M | $67.68M |
| Total Liabilities & Equity | $649.98M | $652.20M | $660.96M | $638.31M | $645.41M | $659.83M |
| 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) |
|---|---|---|---|---|---|---|
| Net Income | $1.14M | $1.34M | $1.09M | $1.02M | $3.23M | $1.14M |
| Depreciation & Amortization | $1.09M | $738.00K | $367.00K | $382.00K | $1.18M | $794.00K |
| Net Change in Loans HFS | $120.00K | $63.00K | $78.00K | $5.23M | $-10.00K | $346.00K |
| Operating Cash Flow | - | - | - | $2.48M | $10.32M | $6.59M |
| Net Change in Loans | $3.15M | $-7.51M | $-9.33M | $-2.10M | $3.93M | $8.72M |
| Capital Expenditures | $328.00K | $250.00K | $137.00K | $119.00K | $273.00K | $268.00K |
| Investing Cash Flow | - | - | - | $3.24M | $-16.63M | $-16.05M |
| Net Change in Deposits | $6.43M | $9.98M | $21.33M | $-23.16M | $-1.49M | $13.36M |
| Long-term Debt Repaid | - | - | - | - | $700.00K | $700.00K |
| Common Stock Repurchased | $432.00K | - | - | - | $198.00K | $198.00K |
| Dividends Paid | $2.06M | $1.03M | $1.03M | $1.03M | $2.05M | $1.02M |
| Financing Cash Flow | - | - | - | $-8.24M | $-4.19M | $11.47M |
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.