CBTX, INC. CBTX Income Statement

Cbtx, inc. (CBTX)

Income statement / TTM

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Sep'16
Interest income
Interest and fees on loans
141,212	141,388	139,181	134,341	129,226	123,895	118,194	113,810	109,877	107,368	105,763	0	0	0
Securities
5,760	5,954	6,054	6,153	6,141	6,020	5,835	5,634	5,480	5,347	4,963	0	0	0
Other interest-earning assets
4,905	5,333	5,749	5,941	5,518	5,030	3,878	3,580	3,457	3,204	3,262	0	0	0
Equity investments
744	720	725	746	774	814	0	0	0	-	-	-	-	-
Total interest income
152,621	153,395	151,709	147,181	141,659	135,759	129,243	124,147	119,746	116,659	113,988	0	0	0
Interest expense
Deposits
16,181	15,999	15,087	13,918	12,222	10,586	9,028	8,031	7,762	7,652	7,510	0	0	0
Federal Home Loan Bank advances
0	-	-	-	0	-	-	-	-	-	-	-	-	-
Federal Home Loan Bank advances and repurchase agreements
-	3	937	515	4	4	76	16	4	5	0	0	0	-
Note payable and junior subordinated debt
15	19	126	238	346	435	0	0	0	-	-	-	-	-
Note payable
-	-	-	-	-	-	-	-	-	-	1,044	0	0	0
Junior subordinated debt
-	-	-	-	-	-	-	-	-	-	303	0	0	0
Total interest expense
17,741	17,407	16,287	14,808	12,709	11,098	9,637	8,816	8,766	8,885	8,862	0	0	0
Net interest income
134,880	135,988	135,422	132,373	128,950	124,661	119,606	115,331	110,980	107,774	105,126	0	0	0
Provision for credit losses for loans
0	-	-	-	0	-	-	-	-	-	-	-	-	-
Provision for credit losses for unfunded commitments
0	-	-	-	-	-	-	-	-	-	-	-	-	-
Total provision for credit losses
6,287	2,385	364	-1,357	-1,474	-1,756	1,463	951	-433	-338	-163	0	0	0
Net interest income after provision for credit losses
128,593	133,603	135,058	133,730	130,424	126,417	118,143	114,380	111,413	108,112	105,289	0	0	0
Noninterest income
Deposit account service charges
6,410	6,554	6,676	6,592	6,432	6,281	5,960	5,758	5,778	5,800	6,107	0	0	0
Card interchange fees
3,778	3,720	3,634	3,648	3,678	3,741	3,761	3,642	3,548	3,453	3,349	0	0	0
Earnings on bank-owned life insurance
4,997	5,011	5,037	5,050	1,794	1,815	1,819	1,835	1,705	1,580	1,459	0	0	0
Net gain on sales of assets
687	652	515	477	618	660	485	1,161	1,290	1,524	1,638	0	0	0
Other
3,590	2,691	2,908	2,414	1,862	1,755	1,512	1,701	1,796	1,847	2,058	0	0	0
Total noninterest income
19,462	18,628	18,770	18,181	14,384	14,252	13,537	14,097	14,117	14,204	14,611	0	0	0
Noninterest expense
Salaries and employee benefits
56,623	56,222	55,792	54,340	52,651	51,524	51,711	51,041	49,844	48,573	45,549	0	0	0
Occupancy expense
9,663	9,506	9,357	9,301	9,396	9,394	9,472	9,265	9,183	9,151	9,127	0	0	0
Professional and director fees
6,109	7,048	6,951	6,305	4,709	3,537	3,582	3,379	3,399	3,105	2,552	0	0	0
Data processing and software
2,746	2,678	3,131	3,143	3,148	2,677	2,687	2,685	2,670	2,629	2,576	0	0	0
Regulatory fees
777	1,138	1,561	1,905	1,972	2,053	2,033	2,003	2,111	2,176	2,235	0	0	0
Correspondent bank and customer related transaction expenses
-	-	262	261	-	265	268	269	279	286	301	0	0	0
Loan processing costs
-	-	496	474	-	448	436	449	507	461	397	0	0	0
Advertising, marketing and business development
1,755	1,831	1,785	1,815	1,758	1,824	1,926	1,755	1,788	1,461	1,126	0	0	0
Telephone and communications
1,815	1,774	1,676	1,584	1,522	1,530	1,466	1,435	1,348	1,316	0	0	0	-
Repossessed real estate and other asset expense
-	-	-	-	-	72	131	468	548	609	641	0	0	0
Security and protection expense
1,515	1,464	1,417	1,353	1,297	1,276	1,259	1,244	1,285	1,355	1,528	0	0	0
Software
-	-	1,742	1,673	-	1,576	0	0	0	-	-	-	-	-
Printing, stationery and office
-	-	1,296	1,274	-	1,161	890	947	1,014	1,097	1,460	0	0	0
Amortization of intangibles
883	894	915	939	962	985	1,011	1,033	1,056	1,079	1,106	0	0	0
Other expenses
3,988	3,815	4,354	4,284	4,251	3,694	3,001	3,353	3,544	3,786	4,763	0	0	0
Total noninterest expense
89,647	90,143	89,789	87,708	84,317	82,016	82,249	81,302	80,149	78,292	74,333	0	0	0
Net income before income tax expense
58,408	62,088	64,039	64,203	60,491	58,653	49,431	47,175	45,381	44,024	45,567	0	0	0
Income tax expense
10,840	11,571	12,046	12,263	11,824	11,364	14,297	15,017	15,560	16,453	13,172	0	0	0
Net income
47,568	50,517	51,993	51,940	48,667	47,289	35,134	32,158	29,821	27,571	32,395	0	0	0
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