Cbtx, inc. (CBTX)
Income statement / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Sep'16
Interest income
Interest and fees on loans

33,617

35,634

36,353

35,608

33,793

33,427

31,513

30,493

28,462

27,726

27,129

26,560

25,953

26,121

Securities

1,363

1,442

1,436

1,519

1,557

1,542

1,535

1,507

1,436

1,357

1,334

1,353

1,303

973

Other interest-earning assets

1,055

1,279

1,212

1,359

1,483

1,695

1,404

936

995

543

1,106

813

742

601

Equity investments

176

213

192

163

152

218

213

191

192

-

-

-

-

-

Total interest income

36,211

38,568

39,193

38,649

36,985

36,882

34,665

33,127

31,085

30,366

29,569

28,726

27,998

27,695

Interest expense
Deposits

3,766

4,463

4,130

3,822

3,584

3,551

2,961

2,126

1,948

1,993

1,964

1,857

1,838

1,851

Federal Home Loan Bank advances

221

-

-

-

64

-

-

-

-

-

-

-

-

-

Federal Home Loan Bank advances and repurchase agreements

-

-1,006

484

524

1

-72

62

13

1

0

2

1

2

-

Note payable and junior subordinated debt

4

3

4

4

8

110

116

112

97

-

-

-

-

-

Note payable

-

-

-

-

-

-

-

-

-

-

269

264

251

260

Junior subordinated debt

-

-

-

-

-

-

-

-

-

-

83

79

74

67

Total interest expense

3,991

4,782

4,618

4,350

3,657

3,662

3,139

2,251

2,046

2,201

2,318

2,201

2,165

2,178

Net interest income

32,220

33,786

34,575

34,299

33,328

33,220

31,526

30,876

29,039

28,165

27,251

26,525

25,833

25,517

Provision for credit losses for loans

4,739

-

-

-

1,147

-

-

-

-

-

-

-

-

-

Provision for credit losses for unfunded commitments

310

-

-

-

-

-

-

-

-

-

-

-

-

-

Total provision for credit losses

5,049

-148

579

807

1,147

-2,169

-1,142

690

865

1,050

-1,654

-694

960

1,225

Net interest income after provision for credit losses

27,171

33,934

33,996

33,492

32,181

35,389

32,668

30,186

28,174

27,115

28,905

27,219

24,873

24,292

Noninterest income
Deposit account service charges

1,485

1,587

1,681

1,657

1,629

1,709

1,597

1,497

1,478

1,388

1,395

1,517

1,500

1,695

Card interchange fees

922

1,007

908

941

864

921

922

971

927

941

803

877

832

837

Earnings on bank-owned life insurance

416

430

430

3,721

430

456

443

465

451

460

459

335

326

339

Net gain on sales of assets

123

305

190

69

88

168

152

210

130

-7

828

339

364

107

Other

1,381

388

906

915

482

605

412

363

375

362

601

458

426

573

Total noninterest income

4,327

3,717

4,115

7,303

3,493

3,859

3,526

3,506

3,361

3,144

4,086

3,526

3,448

3,551

Noninterest expense
Salaries and employee benefits

14,223

14,264

13,951

14,185

13,822

13,834

12,499

12,496

12,695

14,021

11,829

11,299

11,424

10,997

Occupancy expense

2,424

2,417

2,484

2,338

2,267

2,268

2,428

2,433

2,265

2,346

2,221

2,351

2,233

2,322

Professional and director fees

1,152

1,220

1,455

2,282

2,091

1,123

809

686

919

1,168

606

706

625

615

Data processing and software

1,222

211

652

661

1,154

664

664

666

683

674

662

651

642

621

Regulatory fees

103

84

144

446

464

507

488

513

545

487

458

621

610

546

Correspondent bank and customer related transaction expenses

-

-

67

66

-

64

66

68

67

67

67

78

74

82

Loan processing costs

-

-

124

124

-

153

102

75

118

141

115

133

72

77

Advertising, marketing and business development

364

452

407

532

440

406

437

475

506

508

266

508

179

173

Telephone and communications

419

506

434

456

378

408

342

394

386

344

311

307

354

-

Repossessed real estate and other asset expense

-

-

-

-

-

7

3

5

57

66

340

85

118

98

Security and protection expense

374

364

410

367

323

317

346

311

302

300

331

352

372

473

Software

-

-

469

425

-

408

400

403

365

-

-

-

-

-

Printing, stationery and office

-

-

313

327

-

303

291

303

264

32

348

370

347

395

Amortization of intangibles

221

216

221

225

232

237

245

248

255

263

267

271

278

290

Other expenses

1,587

518

914

969

1,414

1,057

844

936

857

364

1,196

1,127

1,099

1,341

Total noninterest expense

22,089

22,110

22,045

23,403

22,585

21,756

19,964

20,012

20,284

21,989

19,017

18,859

18,427

18,030

Net income before income tax expense

9,409

15,541

16,066

17,392

13,089

17,492

16,230

13,680

11,251

8,270

13,974

11,886

9,894

9,813

Income tax expense

1,868

2,905

2,990

3,077

2,599

3,380

3,207

2,638

2,139

6,313

3,927

3,181

3,032

3,032

Net income

7,541

12,636

13,076

14,315

10,490

14,112

13,023

11,042

9,112

1,957

10,047

8,705

6,862

6,781

Earnings per common share
Basic

0.30

0.52

0.52

0.57

0.42

0.57

0.52

0.44

0.37

0.07

0.46

0.39

0.31

0.31

Diluted

0.30

0.51

0.52

0.57

0.42

0.56

0.52

0.44

0.37

0.07

0.45

0.39

0.31

0.31