Bsb bancorp, inc. (BLMT)
Income statement / TTM
Dec'18Sep'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'10Dec'09
Interest and dividend income:
Interest and fees on loans

91,337

86,480

81,134

76,322

72,011

67,594

63,858

60,488

57,513

54,766

51,529

48,070

44,890

42,133

39,909

37,632

35,293

33,509

31,542

29,804

28,403

26,960

26,056

25,183

24,568

23,489

22,033

21,016

19,525

18,473

18,156

0

0

0

0

Interest on taxable debt securities

3,494

3,531

3,503

3,529

3,356

3,199

3,154

3,106

3,159

3,234

3,214

3,151

3,064

3,015

3,000

3,066

3,131

3,224

3,159

2,779

2,455

2,174

2,049

1,996

2,124

2,214

2,356

2,551

2,536

2,578

2,634

0

0

0

0

Dividends

1,923

1,686

1,481

1,321

1,193

1,092

965

861

760

662

592

470

373

288

203

172

143

107

76

50

28

30

33

44

47

45

40

35

115

173

254

0

0

0

0

Other interest income

1,497

1,363

1,056

884

583

435

311

233

189

157

119

102

79

79

78

85

85

85

92

86

82

75

72

89

85

101

89

57

46

19

15

0

0

0

0

Total interest and dividend income

98,251

93,060

87,174

82,056

77,143

72,320

68,288

64,688

61,621

58,819

55,454

51,793

48,406

45,515

43,190

40,955

38,652

36,925

34,869

32,719

30,968

29,239

28,210

27,312

26,824

25,849

24,518

23,659

22,222

21,243

21,059

0

0

0

0

Interest expense:
Interest on deposits

23,761

20,254

17,147

14,708

12,900

11,526

10,562

9,922

9,434

8,983

8,545

8,138

7,768

7,363

6,949

6,396

5,809

5,233

4,699

4,351

4,215

4,189

4,228

4,219

4,125

3,950

3,775

3,706

3,656

3,706

3,779

0

0

0

0

Interest on Federal Home Loan Bank advances

13,391

12,450

10,901

9,378

8,150

7,027

6,111

5,392

4,788

4,175

3,471

2,890

2,394

2,007

1,753

1,489

1,209

1,031

891

801

735

736

774

845

958

1,084

1,294

1,585

1,892

2,363

2,871

0

0

0

0

Interest on securities sold under agreements to repurchase

5

5

5

4

4

4

4

4

4

4

4

4

4

3

3

3

3

4

4

4

4

4

4

6

8

11

13

14

16

22

28

0

0

0

0

Interest on other borrowed funds

-

-

-

-

-

-

-

-

5

12

19

26

28

29

29

29

30

31

32

33

33

34

37

39

42

44

45

47

81

129

175

0

0

0

0

Total interest expense

37,157

32,709

28,053

24,090

21,054

18,557

16,677

15,318

14,231

13,174

12,039

11,058

10,194

9,402

8,734

7,917

7,051

6,299

5,626

5,189

4,987

4,963

5,043

5,109

5,133

5,089

5,127

5,352

5,645

6,220

6,853

0

0

0

0

Net interest and dividend income

61,094

60,351

59,121

57,966

56,089

53,763

51,611

49,370

47,390

45,645

43,415

40,735

38,212

36,113

34,456

33,038

31,601

30,626

29,243

27,530

25,981

24,276

23,167

22,203

21,691

20,760

19,391

18,307

16,577

15,023

14,206

0

0

0

0

Provision for loan losses

1,657

1,882

2,226

2,207

2,762

2,673

2,581

2,615

2,385

2,670

2,954

2,578

2,317

1,995

1,560

1,502

1,552

1,620

1,766

1,559

1,498

1,561

1,857

2,582

2,736

2,787

2,373

2,290

2,285

1,505

1,181

0

0

0

0

Net interest and dividend income after provision for loan losses

59,437

58,469

56,895

55,759

53,327

51,090

49,030

46,755

45,005

42,975

40,461

38,157

35,895

34,118

32,896

31,536

30,049

29,006

27,477

25,971

24,483

22,715

21,310

19,621

18,955

17,973

17,018

16,017

14,292

13,518

13,025

0

0

0

0

Noninterest income:
Customer service fees

-

-

-

804

-

-

-

860

-

916

927

907

894

879

847

868

874

892

923

929

938

926

890

859

830

814

785

726

637

547

472

0

0

0

0

Income from bank-owned life insurance

1,478

1,090

1,103

1,136

1,120

1,120

1,126

1,069

1,050

1,021

975

940

893

842

747

646

559

474

436

430

435

436

427

441

439

440

450

429

435

425

414

0

0

0

0

Net gain on sales of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

34

0

0

0

-

-

-

-

-

-

-

-

-

-

-

Net gain on sales of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,790

0

0

0

-

-

-

Bank owned life insurance death benefit

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Net gain on sales of loans

756

964

926

1,240

936

693

451

219

271

206

228

415

395

537

594

464

486

385

449

735

1,024

1,982

2,005

2,293

2,520

1,660

1,560

970

462

423

375

0

0

0

0

Loan level derivative income

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loan servicing fee income

-

-

-

399

-

-

-

354

-

404

514

565

614

652

710

770

826

897

872

797

750

0

0

0

-

-

-

-

-

-

-

-

-

-

-

Net (loss) gain on investments held in Rabbi Trust

-

-

-

0

-

-

-

0

-

-

-

-

-

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net gain on trading securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Loan servicing fee income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

Vendor loss experience refund

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

Gain on sale of easement rights

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

Other income

182

302

224

186

192

138

154

137

140

0

0

0

-

-

518

579

549

565

600

434

429

621

487

498

390

-17

3

27

41

192

164

0

0

0

0

Other income

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total noninterest income

5,020

4,859

4,608

3,892

3,627

3,215

3,010

2,720

2,750

2,812

2,825

3,068

3,165

3,317

3,416

3,327

3,294

3,181

3,279

3,328

3,610

4,379

4,168

4,747

4,705

3,678

3,442

2,367

4,507

5,395

3,966

0

0

0

0

Noninterest expense:
Salaries and employee benefits

20,327

19,795

19,968

19,735

19,533

19,045

18,246

17,816

17,757

17,936

17,848

17,866

17,610

17,196

17,152

16,801

16,581

16,548

16,106

15,800

15,207

14,805

14,213

13,681

13,305

12,370

11,646

10,895

10,137

9,765

8,821

0

0

0

0

Director compensation

775

1,011

1,118

1,247

1,355

1,205

1,149

1,040

971

1,055

901

869

912

969

991

1,005

1,032

901

985

952

889

887

743

663

529

0

0

0

-

-

-

-

-

-

-

Director fees

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

Trustee fees

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

Occupancy expense

986

966

966

962

964

990

998

1,006

991

996

1,008

1,032

1,074

1,075

1,072

1,075

1,060

1,070

1,049

1,000

951

900

869

847

801

769

750

726

752

749

730

0

0

0

0

Equipment expense

383

373

372

382

422

453

465

471

452

435

461

492

533

574

580

597

605

650

662

655

650

585

539

494

450

421

398

376

350

305

270

0

0

0

0

Deposit insurance

1,972

1,995

1,899

1,820

1,733

1,646

1,536

1,407

1,285

1,172

1,086

1,031

969

880

835

783

749

700

665

632

575

563

521

502

500

492

484

442

456

471

500

0

0

0

0

Data processing

2,782

2,882

2,869

2,834

2,793

2,742

2,747

2,932

3,120

3,232

3,342

3,235

3,108

3,020

2,982

2,937

2,933

2,968

2,934

2,869

2,777

2,719

2,533

2,382

2,113

1,932

1,649

1,420

1,225

850

937

0

0

0

0

Professional fees

1,064

1,022

1,030

1,017

1,044

1,062

1,101

1,018

964

885

781

771

749

726

755

747

765

890

922

948

929

927

911

929

1,036

1,061

1,043

1,009

818

682

657

0

0

0

0

Marketing

982

914

865

900

912

962

1,004

929

872

867

837

895

926

940

978

968

975

1,080

1,066

1,049

999

847

898

898

928

977

926

947

930

795

703

0

0

0

0

Recruitment fees

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

0

-

-

-

-

-

-

-

-

Other expense

2,045

1,985

1,959

1,998

1,930

1,992

1,988

1,954

1,937

1,895

1,872

1,949

1,943

1,928

1,890

1,840

1,790

1,928

2,048

2,066

2,114

1,912

1,907

1,859

1,884

1,682

1,500

1,361

1,184

1,170

1,044

0

0

0

0

Total noninterest expense

33,016

30,943

31,046

30,895

30,686

30,097

29,234

28,573

28,349

28,473

28,136

28,140

27,824

27,308

27,235

26,753

26,490

26,632

26,334

25,971

25,091

24,235

23,224

22,255

21,546

22,179

20,826

19,568

18,205

15,087

13,964

0

0

0

0

Income before income tax expense

31,441

32,385

30,457

28,756

26,268

24,208

22,806

20,902

19,406

17,314

15,150

13,085

11,236

10,127

9,077

8,110

6,853

5,555

4,422

3,328

3,002

2,859

2,254

2,113

2,114

-528

-366

-1,184

594

3,826

3,027

0

0

0

0

Income tax expense

8,532

11,970

11,671

12,026

11,882

8,621

8,638

7,794

7,425

6,574

5,722

5,006

4,322

3,914

3,530

3,125

2,562

1,987

1,518

1,104

1,042

1,059

809

743

713

-107

-57

-401

295

1,284

938

0

0

0

0

Net income

22,909

20,415

18,786

16,730

14,386

15,587

14,168

13,108

11,981

10,740

9,428

8,079

6,914

6,213

5,547

4,985

4,291

3,568

2,904

2,224

1,960

1,800

1,445

1,370

1,401

-421

-309

-783

299

2,542

2,089

0

0

0

0

Earnings per share
Basic

0.50

0.70

0.68

0.68

0.24

0.52

0.45

0.42

0.39

0.36

0.34

0.29

0.23

0.22

0.19

0.16

0.16

0.14

0.12

0.08

0.07

0.06

0.04

0.05

0.06

0.02

0.03

0.05

-

-

-

-

-

-

-

Diluted

0.49

0.66

0.65

0.64

0.22

0.50

0.43

0.40

0.37

0.35

0.33

0.28

0.23

0.21

0.18

0.16

0.15

0.14

0.12

0.08

0.07

0.06

0.04

0.05

0.06

0.02

0.03

0.05

-

-

-

-

-

-

-