Entegra Financial Corp. ENFC Income Statement

Entegra financial corp. (ENFC)

Income statement / TTM

Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Sep'13	Jun'13
Interest income:
Interest and fees on loans
52,604	51,781	51,011	49,987	49,007	45,561	42,128	38,712	35,125	34,374	33,594	32,324	30,971	29,371	27,763	27,027	26,516	26,369	26,459	27,597	27,816	28,185	0	0	0
Interest on tax exempt loans
426	430	418	402	385	377	383	380	380	381	381	337	285	226	160	141	116	93	77	68	0	0	0	-	-
Taxable securities
8,032	7,914	7,483	7,191	6,831	6,791	7,055	7,025	6,821	6,328	5,929	5,628	5,538	5,589	5,445	5,223	5,022	4,701	4,396	4,139	3,915	3,689	0	0	0
Tax-exempt securities
3,028	2,963	2,811	2,601	2,623	2,745	2,936	3,117	2,975	2,590	2,098	1,510	1,002	674	452	379	335	316	324	347	362	370	0	0	0
Interest-earning deposits
1,927	1,891	1,839	1,716	1,526	1,214	909	676	517	363	290	210	168	119	87	75	105	113	109	95	54	41	0	0	0
Other
732	752	752	717	685	645	617	619	629	601	578	511	477	419	346	299	245	259	236	199	151	132	0	0	0
Total interest and dividend income
66,749	65,731	64,314	62,614	61,057	57,333	54,028	50,529	46,447	44,637	42,870	40,520	38,441	36,398	34,253	33,144	32,339	31,851	31,601	32,445	32,348	32,450	0	0	0
Interest expense:
Deposits
12,541	11,239	9,662	8,118	6,787	5,570	4,828	4,474	4,210	4,103	4,050	3,964	3,943	3,950	4,067	4,334	4,682	5,030	5,229	5,361	5,471	5,591	0	0	0
Federal Home Loan Bank advances
5,383	5,159	4,706	4,130	3,571	3,121	2,733	2,443	2,167	1,897	1,674	1,419	1,200	1,032	896	826	768	743	734	703	684	665	0	0	0
Junior subordinated notes
564	563	563	562	560	559	558	557	556	556	543	532	510	485	472	458	469	561	498	509	505	420	0	0	0
Other borrowings
404	475	498	479	462	375	289	210	132	125	121	117	110	109	105	105	80	52	26	0	0	0	0	-	-
Interest Expense
18,892	17,436	15,429	13,289	11,380	9,625	8,408	7,684	7,065	6,681	6,388	6,032	5,763	5,576	5,540	5,723	5,999	6,386	6,487	6,573	6,660	6,676	0	0	0
Net interest income
47,857	48,295	48,885	49,325	49,677	47,708	45,620	42,845	39,382	37,956	36,482	34,488	32,678	30,822	28,713	27,421	26,340	25,465	25,114	25,872	25,688	25,774	0	0	0
Provision for loan losses
393	729	956	1,201	1,791	1,975	1,943	1,897	1,334	914	589	274	100	0	0	-1,500	-1,494	-1,478	-1,472	33	591	1,444	0	0	0
Net interest income after provision for loan losses
47,464	47,566	47,929	48,124	47,886	45,733	43,677	40,948	38,048	37,042	35,893	34,214	32,578	30,822	28,713	28,921	27,834	26,943	26,586	25,839	25,097	24,330	0	0	0
Noninterest income:
Servicing (loss) income, net
359	488	541	546	0	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Mortgage banking
1,282	1,040	982	958	0	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Servicing income, net
-	-	-	-	-	-	-	-	-	549	466	-	371	427	371	341	306	244	372	565	444	331	0	0	0
Mortgage banking
-	-	-	-	-	-	-	-	-	1,108	984	-	897	794	659	774	853	714	861	800	970	1,776	0	0	0
Gain on sale of SBA loans
398	365	577	558	657	690	465	546	622	456	736	928	884	1,227	946	823	1,221	769	766	629	0	0	0	-	-
Loss on sale of investments, net
-	-	-	-543	0	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other than temporary impairment
-	-	-	-	-	-	-	757	700	700	700	-	0	0	0	-	-	-	-	76	0	0	0	-	-
Gain (loss) on sale of investments, net
-	-	-	-	-	-	-	-	-	561	954	-	1,186	814	508	403	327	565	759	657	650	475	0	0	0
Equity securities gains (losses)
-27	194	127	-344	424	371	426	686	502	457	461	328	0	0	0	-	-	-	-	-	-	-	-	-	-
Service charges on deposit accounts
1,636	1,636	1,640	1,673	0	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interchange fees, net
1,156	1,127	1,100	1,102	0	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other than temporary impairment on cost method investment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-
Service charges on deposit accounts
-	-	-	-	-	-	-	-	-	1,559	1,534	-	1,514	1,435	1,365	1,269	1,221	1,229	1,203	1,203	0	0	0	-	-
Interchange fees
-	-	-	-	-	-	-	-	-	1,192	1,331	-	1,448	1,402	1,342	1,278	1,229	1,185	1,154	1,126	0	0	0	-	-
Bank owned life insurance
837	843	852	872	789	802	822	803	781	683	563	489	391	396	435	457	460	460	456	456	514	537	0	0	0
Legal settlement income
-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other
1,271	1,126	1,238	1,168	974	962	804	726	636	539	481	450	423	469	434	453	570	614	673	719	688	717	0	0	0
Total noninterest income
8,639	8,546	8,276	5,990	5,378	5,188	5,583	5,006	5,338	5,629	6,035	7,071	7,385	7,142	6,131	5,795	6,184	5,777	6,244	6,079	5,558	6,049	0	0	0
Noninterest expenses:
Compensation and employee benefits
23,024	23,104	23,046	22,643	22,460	21,515	20,949	20,168	19,285	18,819	17,990	17,164	16,322	15,378	14,938	14,625	14,125	13,463	12,593	11,843	11,570	11,553	0	0	0
Net occupancy
4,422	4,498	4,536	4,508	4,580	4,426	4,230	4,089	3,804	3,759	3,668	3,534	3,400	3,205	3,101	2,986	2,900	2,821	2,759	2,697	2,573	2,557	0	0	0
Federal deposit insurance
461	655	662	799	752	701	688	513	473	441	490	562	631	702	797	905	1,036	1,132	1,111	1,265	1,396	1,541	0	0	0
Professional and advisory
1,176	1,410	1,484	1,436	1,331	1,210	1,240	1,237	1,175	1,091	1,021	959	932	999	967	1,005	979	853	774	722	725	726	0	0	0
Data processing
1,999	2,005	2,061	2,077	2,076	1,934	1,792	1,684	1,612	1,628	1,604	1,554	1,498	1,402	1,284	1,213	1,180	1,142	1,136	1,082	995	955	0	0	0
Federal Home Loan Bank prepayment penalties
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	0	0	-	-	-
Marketing and advertising
830	898	977	907	897	923	914	953	986	1,042	1,118	1,070	941	717	0	-	0	0	-	-	-	-	-	-	-
Merger-related expenses
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Merger-related expenses
-	3,030	1,718	-	-	2,698	2,834	3,086	1,146	1,137	2,500	2,197	2,332	2,245	474	329	0	0	0	-	-	-	-	-	-
Net cost of operation of real estate owned
130	143	213	256	321	141	129	213	161	449	578	730	665	669	575	505	1,439	1,858	2,346	2,970	3,118	0	0	0	-
Real estate owned operations
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Real estate owned valuation
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
(Gain) loss on sale of real estate owned, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Other
3,901	4,053	3,990	3,882	3,882	3,868	3,831	3,904	3,193	3,331	3,411	3,526	4,182	3,913	3,700	3,765	3,391	3,294	3,178	2,855	3,028	2,885	0	0	0
Total noninterest expenses
39,172	39,796	38,687	37,072	38,977	37,416	36,607	35,847	31,953	31,815	32,498	31,414	31,093	29,465	28,333	27,630	27,380	26,743	24,230	23,767	23,405	24,297	0	0	0
Income before taxes
16,931	16,316	17,518	17,042	14,287	13,505	12,653	10,107	11,433	10,856	9,430	9,871	8,870	8,499	6,511	7,086	6,638	5,977	8,600	8,151	7,250	6,082	0	0	0
Income tax expense (benefit)
3,232	3,091	3,370	3,127	7,389	7,659	7,792	7,528	3,208	3,302	3,120	3,495	2,906	2,170	-16,065	-16,739	-16,549	-16,927	2,133	2,208	1,909	2,231	0	0	0
Net income
13,699	13,225	14,148	13,915	6,898	5,846	4,861	2,579	8,225	7,554	6,310	6,376	5,964	6,329	22,576	23,825	23,187	22,904	6,467	5,943	5,341	3,851	0	0	0
Earnings per common share:
Earnings per share - basic
0.58	0.31	0.55	0.54	0.51	0.45	0.52	-0.52	0.38	0.33	0.20	0.36	0.28	0.13	0.21	-	0.33	2.61	-	-	-	-	-	-	-
Earnings per share - diluted
0.56	0.31	0.55	0.54	0.50	0.44	0.51	-0.51	0.38	0.32	0.20	0.36	0.28	0.13	0.21	-	0.33	2.61	-	-	-	-	-	-	-
Weighted average common shares outstanding:
Earnings per share - basic and diluted
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.40	-	0.29	-	-	0.00	-
Common shares outstanding - Basic
6,923	6,920	6,918	6,901	6,891	6,889	6,885	6,866	6,458	6,456	6,464	6,458	6,466	6,466	6,517	6,546	6,546	6,546	6,546	-	-	-	-	-	-
Common shares outstanding - Diluted
7,089	7,050	6,943	6,934	7,031	7,037	7,027	7,015	6,548	6,549	6,521	6,475	6,484	6,482	6,517	6,546	6,546	6,546	6,546	-	-	-	-	-	-
Average shares outstanding - basic and diluted
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6,546	-	-	0	-