Access national corp (ANCX)
Income statement / TTM
Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Sep'10Jun'10
INTEREST AND DIVIDEND INCOME
Interest and fees on loans

97,562

96,181

95,784

84,572

72,013

59,354

46,962

45,639

44,273

42,880

41,497

40,055

38,915

37,794

36,677

35,702

34,818

33,947

33,704

33,841

34,168

34,538

34,296

34,371

34,312

34,034

33,597

32,808

32,358

31,981

0

0

0

Interest on federal funds sold and bank balances

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest and dividends on securities

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest-bearing deposits and federal funds sold

-

-

-

-

-

-

-

-

-

-

-

129

125

118

111

102

104

99

100

107

92

82

73

79

108

121

119

143

155

0

0

0

-

Interest-bearing deposits and federal funds sold

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Securities

-

-

-

-

-

-

-

-

-

-

-

3,482

3,318

3,205

3,044

2,697

2,333

2,035

1,861

1,928

1,914

1,985

2,152

2,266

2,297

2,266

2,232

2,216

2,293

2,400

0

0

0

Total interest and dividend income

110,237

108,617

108,534

95,480

81,305

66,391

51,588

50,015

48,542

46,920

45,371

43,666

42,358

41,117

39,832

38,501

37,255

36,081

35,665

35,876

36,174

36,605

36,521

36,716

36,717

36,421

35,948

35,167

34,806

34,588

0

0

0

INTEREST EXPENSE
Interest on deposits

12,431

11,168

10,570

9,274

7,937

6,647

5,502

5,150

4,831

4,472

4,065

3,648

3,299

3,066

2,986

2,981

2,992

3,034

3,213

3,486

3,783

4,073

4,257

4,529

4,791

4,937

4,966

5,204

5,813

6,627

0

0

0

Interest on other borrowings

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Short-term borrowings

-

-

-

-

-

-

-

-

-

-

-

252

314

351

320

292

258

218

181

123

98

84

102

201

478

786

1,149

1,414

1,256

1,123

0

0

0

Long-term borrowings

-

-

-

-

-

-

-

-

-

-

-

219

64

32

2

0

0

0

0

-

-

-

-

212

148

174

198

219

543

863

0

0

0

Subordinated debentures

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

103

157

216

219

223

224

221

217

213

215

215

0

0

0

Total interest expense

15,999

13,850

12,607

11,108

9,589

8,126

6,737

6,304

5,887

5,311

4,716

4,119

3,677

3,449

3,308

3,273

3,250

3,249

3,444

3,712

4,150

4,513

4,749

5,165

5,641

6,118

6,530

7,050

7,827

8,828

0

0

0

Net interest income

94,238

94,767

95,927

84,372

71,716

58,265

44,851

43,711

42,655

41,609

40,655

39,547

38,681

37,668

36,524

35,228

34,005

32,832

32,221

32,164

32,024

32,092

31,772

31,551

31,076

30,303

29,418

28,117

26,979

25,760

0

0

0

Provision for loan losses

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Provision for loan losses

-

-

-

-

-

-

-

-

-

-

-

150

150

150

0

0

0

450

450

675

850

550

1,022

1,515

0

0

0

-

-

-

-

-

-

Provision for loan losses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-1,511

-1,344

0

0

0

Net interest income after provision for loan losses

88,417

88,746

89,658

77,453

67,266

53,965

41,331

41,591

41,785

41,489

40,505

39,397

38,531

37,518

36,524

35,228

34,005

32,382

31,771

31,489

31,174

31,542

30,750

30,036

29,523

28,185

27,774

26,968

25,468

24,416

0

0

0

NONINTEREST INCOME
Service charges and fees

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Service charges and fees

-

2,020

2,195

-

-

1,421

991

971

1,000

987

966

903

821

752

715

695

721

742

699

691

674

636

658

666

661

689

697

693

683

671

0

0

0

Gain on sale of loans

16,548

17,677

19,527

20,080

20,730

23,452

24,679

25,164

23,942

21,460

19,892

19,633

19,942

18,907

16,989

15,146

13,243

11,623

14,956

21,109

30,768

45,068

52,686

55,749

53,787

48,129

40,773

35,345

35,176

31,753

0

0

0

Other income

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Mortgage broker fee income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

74

74

65

54

60

85

298

627

1,040

1,393

0

0

0

Other income

-

-

-

-

-

-

-

-

-

-

-

5,529

4,550

4,455

4,645

3,459

4,088

5,537

4,925

6,350

8,666

2,050

128

-1,675

-4,162

-580

923

-236

-1,848

-2,191

0

0

0

Total noninterest income

32,610

33,689

33,484

32,092

30,537

30,699

30,987

31,803

30,944

28,671

26,579

26,065

25,011

23,915

0

-

0

0

-

28,150

40,182

47,828

53,537

54,794

50,346

48,323

42,691

36,429

35,051

31,626

0

0

0

Total noninterest income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

NONINTEREST EXPENSE
Salaries and benefits

47,485

47,472

47,603

43,915

39,295

36,403

32,150

31,778

30,830

29,325

27,917

26,966

26,374

25,531

24,484

22,654

21,448

21,260

22,107

25,289

28,195

30,540

31,215

31,481

31,021

29,954

28,357

25,415

24,199

22,613

0

0

0

Occupancy and equipment

3,636

4,655

4,996

3,575

5,227

2,976

1,744

1,685

1,625

1,608

1,601

1,594

1,767

1,731

1,649

1,602

1,781

1,707

1,663

1,660

1,740

1,810

1,773

1,720

2,111

2,039

2,138

2,152

2,595

2,602

0

0

0

Other operating expenses

24,796

27,617

32,945

30,275

27,522

22,041

13,603

12,968

12,187

12,019

11,785

11,860

11,474

8,557

8,250

7,543

6,788

9,004

9,516

11,330

15,048

18,060

21,300

22,196

22,242

21,691

19,581

17,376

17,283

16,530

0

0

0

Total noninterest expense

79,220

83,047

88,847

81,068

73,403

62,779

48,856

47,790

46,088

44,398

42,749

41,866

40,834

37,038

35,602

33,018

30,936

32,890

34,205

39,198

45,985

51,412

55,290

56,399

56,153

54,463

50,855

45,722

44,077

41,745

0

0

0

Income before income taxes

0

0

0

-

0

0

0

-

26,641

25,762

24,335

-

23,010

24,594

23,271

21,510

21,058

17,347

18,128

20,441

25,371

27,958

28,997

28,431

23,716

22,045

19,610

17,675

16,442

14,297

0

0

0

Income tax expense

12,104

12,293

12,316

11,977

7,939

8,001

8,546

9,200

9,325

8,927

8,394

8,177

7,994

8,590

8,187

7,585

7,454

5,870

6,191

7,234

9,094

10,354

11,027

10,708

8,940

8,288

7,072

6,287

5,935

5,225

0

0

0

NET INCOME

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net Income

-

-

-

-

-

-

-

-

-

-

-

15,419

15,016

16,004

15,084

13,925

13,604

11,477

11,937

13,207

16,277

17,604

17,970

17,723

14,776

13,757

12,538

11,388

10,507

9,072

0

0

0

Earnings per common share:
Basic (in dollars per share)

0.46

0.43

0.39

0.15

0.34

0.19

0.24

0.28

0.42

0.46

0.39

0.37

0.37

0.38

0.34

0.34

0.47

0.29

0.23

0.31

0.27

0.34

0.36

0.61

0.40

0.38

0.34

0.33

0.30

0.26

0.22

0.23

0.16

Diluted (in dollars per share)

0.46

0.43

0.39

0.15

0.34

0.19

0.24

0.28

0.41

0.46

0.39

0.37

0.37

0.38

0.34

0.34

0.47

0.29

0.23

0.31

0.27

0.34

0.35

0.60

0.40

0.38

0.33

0.32

0.30

0.26

0.22

0.23

0.16

Average outstanding shares:
Basic (in shares)

20,847

20,736

20,619

20,485

20,409

20,335

10,724

10,620

10,595

10,576

10,553

10,539

10,519

10,518

10,473

10,453

10,440

10,411

10,391

10,343

10,306

10,306

10,322

10,305

10,271

10,237

10,200

10,199

10,227

10,324

10,359

10,474

10,573

Diluted (in shares)

20,925

20,822

20,715

20,485

20,508

20,453

10,857

10,775

10,689

10,639

10,606

10,625

10,593

10,590

10,517

10,489

10,476

10,454

10,447

10,406

10,389

10,379

10,437

10,400

10,389

10,350

10,312

10,279

10,301

10,391

10,404

10,495

10,592