|
Loans, including fees
|
|
$48.9m
|
$72.1m
|
$82.9m
|
$95.3m
|
$93.4m
|
$107.0m
|
$168.8m
|
$189.0m
|
$203.7m
|
|
Taxable
|
|
$1.8m
|
$2.9m
|
$3.1m
|
$3.4m
|
$2.8m
|
$5.9m
|
$8.5m
|
$10.3m
|
$11.3m
|
|
Tax-exempt
|
|
$1.7m
|
$1.8m
|
$1.7m
|
$1.9m
|
$1.9m
|
$1.8m
|
$1.0m
|
$964k
|
$943k
|
|
Other
|
|
$3.2m
|
$5.0m
|
$6.0m
|
$5.7m
|
$6.5m
|
$6.3m
|
$9.0m
|
$8.7m
|
$9.4m
|
|
Deposits
|
|
$6.4m
|
$12.4m
|
$17.9m
|
$12.5m
|
$7.5m
|
$10.3m
|
$42.4m
|
$64.2m
|
$63.6m
|
|
Securities sold under repurchase agreements
|
|
$272k
|
$399k
|
$461k
|
$114k
|
$10k
|
$542k
|
$1.8m
|
$22k
|
—
|
|
Borrowed funds
|
|
$1.0m
|
$2.1m
|
$1.2m
|
$1.3m
|
$767k
|
$1.6m
|
$4.8m
|
$4.4m
|
$6.4m
|
|
Net interest income
|
|
$45.7m
|
$63.1m
|
$69.7m
|
$86.8m
|
$90.1m
|
$104.1m
|
$133.5m
|
$137.8m
|
$151.7m
|
|
Provision for credit losses
|
|
—
|
—
|
—
|
—
|
$3.1m
|
$2.2m
|
$4.7m
|
($800k)
|
$1.2m
|
|
Net interest income after provision for credit losses
|
|
$44.7m
|
$60.2m
|
$64.4m
|
$79.7m
|
$87.0m
|
$101.9m
|
$128.8m
|
$138.6m
|
$150.4m
|
|
Service charges
|
|
$3.0m
|
$3.5m
|
$3.5m
|
$5.0m
|
$6.1m
|
$5.8m
|
$7.0m
|
$8.0m
|
$8.4m
|
|
Income from Ansay
|
|
$1.7m
|
$2.1m
|
$1.8m
|
$2.7m
|
$2.6m
|
$2.6m
|
$2.9m
|
$3.5m
|
$3.9m
|
|
Income from UFS, LLC ("UFS")
|
|
$2.4m
|
$2.6m
|
$2.9m
|
$3.1m
|
$2.6m
|
$3.1m
|
$2.3m
|
—
|
—
|
|
Loan servicing income
|
|
$1.2m
|
$1.5m
|
$550k
|
$1.4m
|
$3.8m
|
$1.9m
|
$2.9m
|
$2.9m
|
$2.9m
|
|
Valuation adjustment on MSR
|
|
—
|
—
|
—
|
($945k)
|
$1.3m
|
$2.9m
|
$395k
|
($299k)
|
$281k
|
|
Net gain on sales of mortgage loans
|
|
$895k
|
$617k
|
$1.4m
|
$5.3m
|
$7.4m
|
$1.6m
|
$897k
|
$1.3m
|
$1.8m
|
|
Gain on sale of UFS
|
|
—
|
—
|
—
|
—
|
—
|
—
|
$38.9m
|
—
|
—
|
|
Salaries, commissions, and employee benefits
|
|
$16.6m
|
$21.5m
|
$22.9m
|
$27.3m
|
$28.5m
|
$33.2m
|
$40.4m
|
$40.9m
|
$42.5m
|
|
Occupancy
|
|
$3.1m
|
$3.5m
|
$3.9m
|
$4.7m
|
$4.2m
|
$5.5m
|
$5.7m
|
$6.0m
|
$7.8m
|
|
Data processing
|
|
$2.9m
|
$3.6m
|
$4.5m
|
$5.5m
|
$5.3m
|
$6.3m
|
$8.0m
|
$9.7m
|
$10.3m
|
|
Postage, stationery, and supplies
|
|
$452k
|
$620k
|
$591k
|
$872k
|
$713k
|
$771k
|
$1.1m
|
$885k
|
$950k
|
|
Net gain on sales and valuations of OREO
|
|
($49k)
|
$252k
|
($73k)
|
$1.4m
|
($20k)
|
$146k
|
$2.1m
|
($694k)
|
($159k)
|
|
Net loss on sale of securities
|
|
—
|
—
|
—
|
($3.2m)
|
$3k
|
—
|
$7.9m
|
$34k
|
—
|
|
Advertising
|
|
$183k
|
$220k
|
$268k
|
$226k
|
$227k
|
$271k
|
$326k
|
$313k
|
$176k
|
|
Charitable contributions
|
|
$495k
|
$985k
|
$566k
|
$574k
|
$534k
|
$718k
|
$944k
|
$793k
|
$972k
|
|
Federal deposit insurance
|
|
—
|
—
|
—
|
—
|
—
|
$1.1m
|
$1.8m
|
$1.9m
|
$2.3m
|
|
Outside service fees
|
|
$3.3m
|
$3.1m
|
$3.0m
|
$4.1m
|
$3.1m
|
$6.7m
|
$6.3m
|
$4.6m
|
$5.2m
|
|
Amortization of intangibles
|
|
$132k
|
$756k
|
$1.1m
|
$1.6m
|
$1.4m
|
$2.3m
|
$6.3m
|
$5.8m
|
$5.0m
|
|
Provision for income taxes
|
|
$8.8m
|
$6.6m
|
$7.6m
|
$11.8m
|
$14.5m
|
$14.4m
|
$24.3m
|
$13.9m
|
$16.7m
|
|
Total interest income
|
|
$53.5m
|
$77.9m
|
$89.2m
|
$100.7m
|
$98.4m
|
$116.5m
|
$182.5m
|
$206.4m
|
$221.7m
|
|
Total noninterest income
|
|
$9.8m
|
$11.5m
|
$12.6m
|
$23.5m
|
$23.5m
|
$19.8m
|
$58.1m
|
$19.7m
|
$22.2m
|
|
Income before provision for income taxes
|
|
$24.1m
|
$32.1m
|
$34.3m
|
$49.9m
|
$60.0m
|
$59.6m
|
$98.8m
|
$79.5m
|
$88.2m
|
|
Net Income
|
|
$15.3m
|
$25.5m
|
$26.7m
|
$38.0m
|
$45.4m
|
$45.2m
|
$74.5m
|
$65.6m
|
$71.5m
|
|
Earnings per share - basic
|
|
$2.44
|
$3.81
|
$3.91
|
$5.07
|
$5.92
|
$5.58
|
$7.28
|
$6.50
|
$7.23
|
|
Earnings per share - diluted
|
|
$2.44
|
$3.81
|
$3.87
|
$5.07
|
$5.92
|
$5.58
|
$7.28
|
$6.50
|
$7.23
|
|
Total interest expense
|
|
$7.7m
|
$14.8m
|
$19.5m
|
$13.9m
|
$8.3m
|
$12.4m
|
$49.0m
|
$68.6m
|
$70.1m
|
|
Total noninterest expense
|
|
$30.4m
|
$39.6m
|
$42.8m
|
$53.4m
|
$50.5m
|
$62.1m
|
$88.1m
|
$78.8m
|
$84.5m
|