| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Interest and fees on loans | $159.9M+22.8% | $130.2M+86.5% | $69.8M+24.9% | $55.9M+3.4% | $54.1M+3.9% | $52.1M+1.2% | $51.5M+3.1% | $49.9M |
| Interest on deposits in other banks | $4.2M-4.1% | $4.4M+21.8% | $3.6M+814.6% | $391K+203.1% | $129K-47.6% | $246K-34.4% | $375K-18.3% | $459K |
| Taxable | $16.5M-19.1% | $20.4M-13.0% | $23.4M+17.1% | $20.0M+42.5% | $14.0M+19.6% | $11.7M-11.0% | $13.2M+28.7% | $10.3M |
| Exempt from Federal income taxes | $5.2M-5.9% | $5.5M-2.1% | $5.6M-16.1% | $6.7M+19.1% | $5.6M+185.1% | $2.0M+51.8% | $1.3M-63.4% | $3.5M |
| Total interest income | $185.7M+15.8% | $160.4M+56.6% | $102.4M+23.4% | $83.0M+12.4% | $73.9M+11.9% | $66.0M-0.5% | $66.3M+3.3% | $64.2M |
| Interest on deposits | $42.6M+4.8% | $40.7M+161.9% | $15.5M+1197.2% | $1.2M+15.5% | $1.0M-29.3% | $1.5M-24.0% | $1.9M+67.2% | $1.2M |
| Interest on short-term borrowings | $3.3M-41.9% | $5.7M+602.5% | $810K+218.9% | $254K | $0-100.0% | $130K-38.1% | $210K+5.5% | $199K |
| Interest on senior debt and subordinated debentures | $3.6M-2.0% | $3.7M+0.4% | $3.7M+85.3% | $2.0M+641.0% | $266K | — | — | — |
| Total interest expense | $49.5M-1.0% | $50.0M+150.2% | $20.0M+484.1% | $3.4M+162.8% | $1.3M-18.4% | $1.6M-37.7% | $2.6M+72.4% | $1.5M |
| Net interest income before provision for credit losses | $136.2M+23.4% | $110.4M+33.9% | $82.4M+3.6% | $79.6M+9.7% | $72.6M+12.6% | $64.4M+1.0% | $63.8M+1.7% | $62.7M |
| Provision for credit losses | $3.8M-66.2% | $11.1M+3496.4% | $309K-68.9% | $995K | — | — | — | $50K |
| Net interest income after provision for credit losses | $132.4M+33.4% | $99.3M+20.9% | $82.1M+4.5% | $78.6M+2.1% | $77.0M+25.9% | $61.1M-2.5% | $62.7M+0.2% | $62.7M |
| Service charges | $2.0M+12.8% | $1.8M+19.6% | $1.5M-25.4% | $2.0M+5.9% | $1.9M-8.2% | $2.1M-24.9% | $2.8M-7.7% | $3.0M |
| Interchange fees | $1.9M-6.3% | $2.1M+16.7% | $1.8M-3.6% | $1.8M+3.5% | $1.8M+32.4% | $1.3M-6.8% | $1.4M-1.1% | $1.5M |
| Appreciation in cash surrender value of bank owned life insurance | $1.5M+13.0% | $1.3M+28.0% | $1.0M+5.1% | $985K+17.3% | $840K+18.1% | $711K-2.3% | $728K+4.7% | $695K |
| Federal Home Loan Bank dividends | $960K+20.6% | $796K+59.8% | $498K+35.7% | $367K+14.3% | $321K-0.6% | $323K-29.0% | $455K-22.9% | $590K |
| Loan placement fees | $844K-28.7% | $1.2M+102.7% | $584K-35.0% | $899K-54.5% | $2.0M-13.8% | $2.3M+134.3% | $978K+38.1% | $708K |
| Gain on proceeds from death benefits | $198K | $0 | $0 | — | — | — | — | — |
| Net realized (loss) gain on sale and disposal of equipment | -$40K-671.4% | $7K-98.3% | $402K+2580.0% | $15K+87.5% | $8K | — | — | — |
| Net realized losses on sales and calls of investment securities | -$41K+99.0% | -$4.2M-363.0% | -$907K+47.6% | -$1.7M-445.3% | $501K-88.2% | $4.3M-18.2% | $5.2M+295.7% | $1.3M |
| Other income | $3.1M-10.5% | $3.5M+62.6% | $2.1M+223.4% | $657K-60.8% | $1.7M-40.2% | $2.8M+60.8% | $1.7M-17.3% | $2.1M |
| Total non-interest income | $10.5M+62.7% | $6.4M-8.2% | $7.0M+38.9% | $5.1M-43.9% | $9.0M-34.7% | $13.8M+3.7% | $13.3M+28.9% | $10.3M |
| Salaries and employee benefits | $49.8M+2.8% | $48.5M+54.5% | $31.4M+8.5% | $28.9M+0.7% | $28.7M+0.4% | $28.6M+7.3% | $26.7M+1.7% | $26.2M |
| Occupancy and equipment | $11.4M+20.6% | $9.5M+65.5% | $5.7M+11.6% | $5.1M+5.1% | $4.9M+5.5% | $4.6M-14.9% | $5.4M-8.9% | $6.0M |
| Information technology | $7.1M+20.2% | $5.9M+64.3% | $3.6M+8.1% | $3.3M+16.6% | $2.9M+19.9% | $2.4M-8.4% | $2.6M+134.6% | $1.1M |
| Data processing expense | $3.2M-15.7% | $3.7M+43.0% | $2.6M+16.7% | $2.2M-6.2% | $2.4M+17.0% | $2.0M+31.4% | $1.6M-6.5% | $1.7M |
| Professional services | $2.4M-15.4% | $2.8M+26.5% | $2.2M+47.1% | $1.5M-8.8% | $1.7M-30.6% | $2.4M+83.8% | $1.3M-11.5% | $1.5M |
| Regulatory assessments | $2.0M+8.5% | $1.8M+40.0% | $1.3M+54.2% | $851K+2.4% | $831K+69.6% | $490K+95.2% | $251K-59.5% | $619K |
| ATM/Debit card expenses | $1.6M-9.2% | $1.8M+131.2% | $757K-6.4% | $809K-1.1% | $818K-0.1% | $819K-11.0% | $920K+24.5% | $739K |
| Amortization of core deposit intangibles | $1.0M+33.4% | $751K+1004.4% | $68K-85.0% | $454K-31.3% | $661K-4.9% | $695K+0.0% | $695K+52.7% | $455K |
| Advertising | $929K+8.8% | $854K+57.6% | $542K-2.7% | $557K+5.7% | $527K-20.5% | $663K-12.3% | $756K-0.3% | $758K |
| Directors’ expenses | $912K+21.3% | $752K+22.5% | $614K+117.7% | $282K-33.2% | $422K-31.4% | $615K-13.4% | $710K+52.7% | $465K |
| Loan related expenses | $839K+4.6% | $802K+67.8% | $478K-0.2% | $479K-7.2% | $516K | — | — | — |
| Merger and acquisition expense | $798K-91.7% | $9.6M+707.2% | $1.2M | $0 | — | — | — | $217K |
| Personnel other | $313K-9.3% | $345K-14.6% | $404K+25.1% | $323K-13.6% | $374K | — | — | — |
| Other expense | $8.1M+6.9% | $7.5M+72.4% | $4.4M+22.3% | $3.6M+8.3% | $3.3M-10.5% | $3.7M-15.9% | $4.4M-5.4% | $4.6M |
| Total non-interest expenses | $90.4M-4.6% | $94.7M+71.2% | $55.3M+14.1% | $48.5M+1.1% | $48.0M+0.6% | $47.7M+3.4% | $46.1M+2.3% | $45.1M |
| Income before provision for income taxes | $52.5M+377.6% | $11.0M-67.5% | $33.8M-3.7% | $35.1M-7.6% | $38.0M+39.5% | $27.3M-9.0% | $30.0M+7.3% | $27.9M |
| Provision for income taxes | $14.4M+331.0% | $3.3M-59.9% | $8.3M-2.3% | $8.5M-11.6% | $9.6M+39.1% | $6.9M-18.7% | $8.5M+28.5% | $6.6M |
| Net income | $38.2M+397.9% | $7.7M-70.0% | $25.5M-4.2% | $26.6M-6.2% | $28.4M+39.6% | $20.3M-5.1% | $21.4M+0.7% | $21.3M |
| Basic earnings per common share (in dollars per share) | $2010.00+346.7% | $450.00-79.3% | $2170.00-4.4% | $2270.00-2.2% | $2320.00+143109.9% | $1.62+1.3% | $1.60+3.2% | $1.55 |
| Diluted earnings per common share (in dollars per share) | $2000.00+344.4% | $450.00-79.3% | $2170.00-4.4% | $2270.00-1.7% | $2310.00+142492.6% | $1.62+1.9% | $1.59+3.2% | $1.54 |
| Cash dividends per common share (in dollars per share) | $480.00+0.0% | $480.00+0.0% | $480.00+0.0% | $480.00+2.1% | $470.00+106718.2% | $0.44+2.3% | $0.43+38.7% | $0.31 |
Source: SEC EDGAR XBRL. % change vs prior period shown where available.
Source: SEC EDGAR 10-K and 10-Q filings. Up to 10 years annual / 16 quarters shown.