Community bankers trust corp (ESXB)
Income statement / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'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'10
Interest and dividend income
Interest and fees on loans

13,086

13,305

13,187

12,640

12,419

12,169

11,893

11,353

10,876

10,625

10,127

9,952

9,597

9,416

9,156

8,873

8,553

8,240

7,986

8,017

7,747

-

7,924

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest and fees on PCI loans

1,097

1,165

2,333

1,251

1,293

1,285

1,265

1,274

1,398

1,379

1,423

1,452

1,479

1,526

1,549

1,556

1,599

1,654

1,730

2,418

2,073

-

2,646

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest and fees on non-covered loans

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

7,291

7,051

-

7,513

7,622

7,511

7,687

7,710

7,574

7,687

7,396

7,314

7,328

7,234

8,235

8,478

Interest and fees on FDIC covered loans

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,264

2,961

-

3,538

2,745

2,659

2,894

2,931

4,366

3,914

4,251

4,667

4,838

3,820

3,692

3,386

Interest and fees on FDIC covered loans

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

4,667

4,838

3,820

3,692

3,386

Interest on federal funds sold

-

-

9

5

-

-

-

1

-

-

1

-

-

-

-

-

-

0

0

1

1

-

-

-

-

0

0

1

2

1

0

3

1

1

1

2

2

1

3

Interest on deposits in other banks

69

91

87

117

96

100

94

69

40

52

65

53

26

56

22

23

21

13

12

17

17

15

11

22

13

25

11

14

8

14

9

19

12

13

28

10

14

19

24

Interest and dividends on securities
Taxable

1,351

1,387

1,489

1,472

1,522

1,442

1,364

1,266

1,186

1,105

1,171

1,157

1,249

1,168

1,133

1,124

1,271

1,350

1,396

1,355

1,368

1,614

1,813

1,710

1,698

1,976

1,934

1,945

1,838

2,189

2,103

2,039

2,077

2,036

2,058

2,085

1,912

2,340

2,162

Nontaxable

343

329

355

421

476

508

528

547

579

597

602

606

597

551

547

557

594

589

599

525

444

371

271

168

156

172

175

164

148

134

119

118

118

180

204

229

412

866

880

Total interest and dividend income

15,946

16,277

17,460

15,906

15,806

15,508

15,144

14,510

14,079

13,758

13,389

13,220

12,948

12,717

12,407

12,133

12,038

11,846

11,723

12,333

11,650

11,726

12,665

12,455

11,879

12,217

13,171

12,491

12,166

12,919

12,872

14,119

13,809

13,877

14,272

14,492

13,394

15,153

14,933

Interest expense
Interest on deposits

3,419

3,515

3,698

3,589

3,234

3,060

2,699

2,355

2,143

2,121

2,053

1,944

1,779

1,744

1,550

1,537

1,551

1,526

1,523

1,486

1,448

1,493

1,504

1,453

1,408

1,501

1,568

1,600

1,701

1,858

2,056

2,241

2,353

2,504

2,621

2,711

2,979

4,141

4,486

Interest on short-term borrowings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1

2

1

-

-

-

-

-

-

-

-

-

-

Interest on federal funds purchased

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3

3

-

0

0

1

0

1

1

Interest on borrowed funds

289

349

343

317

447

355

465

508

469

388

310

302

302

347

354

363

374

358

355

384

417

390

279

244

162

147

180

189

192

202

280

343

359

360

353

367

332

342

333

Total interest expense

3,708

3,864

4,041

3,906

3,681

3,415

3,164

2,863

2,612

2,509

2,363

2,246

2,081

2,091

1,904

1,900

1,925

1,884

1,878

1,870

1,865

1,883

1,783

1,697

1,570

1,644

1,749

1,791

1,894

2,054

2,339

2,587

2,712

2,864

2,974

3,079

3,311

4,484

4,820

Net interest income

12,238

12,413

13,419

12,000

12,125

12,093

11,980

11,647

11,467

11,249

11,026

10,974

10,867

10,626

10,503

10,233

10,113

9,962

9,845

10,463

9,785

9,843

10,882

10,758

10,309

10,573

11,422

10,700

10,272

10,865

10,533

11,532

11,097

11,013

11,298

11,413

10,083

10,669

10,113

Provision for loan losses

3,300

-

-

125

-

-

-

-

-

400

150

0

0

-284

250

200

0

0

0

0

0

0

0

0

0

0

0

0

0

450

0

500

250

0

0

0

1,498

1,116

21,282

Net interest income after provision for loan losses

8,938

12,213

13,419

11,875

12,125

12,093

11,980

11,647

11,467

10,849

10,876

10,974

10,867

10,910

10,253

10,033

10,113

9,962

9,845

10,463

9,785

9,843

10,882

10,758

10,309

10,573

11,422

10,700

10,272

10,415

10,533

11,032

10,847

11,013

11,298

11,413

8,585

9,553

-11,169

Noninterest income
Service charges and fees

672

757

758

707

609

692

626

611

581

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on securities transactions, net

-39

-39

50

238

-14

-12

68

-16

30

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of other loans

11

-

-

-

-

-

65

53

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Service charges on deposit accounts

-

-

-

-

-

-

-

-

-

-

558

582

525

635

617

599

569

601

583

557

528

566

584

561

489

634

741

701

663

729

716

674

617

647

643

637

576

659

622

Gain on securities transactions, net

-

-

-

-

-

-

-

-

-

30

48

37

95

26

88

261

259

109

74

-8

297

595

115

24

355

72

38

130

278

-

1,180

290

-

-

-

-

-

-

-

Gain on sale of loans, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

23

46

48

78

27

48

-

-614

-

-

-

-

-

-

-

-

-

-

-

-

Income on bank owned life insurance

174

178

181

184

181

184

184

184

183

144

188

192

234

240

238

204

188

189

188

188

186

191

193

193

192

200

199

199

149

-

-

-

-

-

-

-

-

-

-

Mortgage loan income

221

148

176

100

62

31

97

80

111

79

59

71

33

7

252

174

173

144

230

262

148

-

42

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

FDIC indemnification asset amortization

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-2,360

-2,657

-2,745

-1,252

-362

Gain (loss) on securities transactions, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-116

-

1,725

176

661

-296

-452

Loss on sale of other real estate, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-229

-177

-

-1,671

-249

-612

-770

-1,182

Other

296

320

346

222

176

189

171

223

128

177

145

155

148

210

150

157

132

182

178

184

192

263

154

165

217

-7

229

308

236

-262

575

544

501

195

1,000

662

714

132

1,259

Total noninterest income

1,335

1,378

1,511

1,451

1,014

1,084

1,211

1,135

1,033

1,446

998

1,037

1,035

1,118

1,345

1,395

1,321

1,225

1,253

1,206

1,397

1,832

1,166

970

1,301

1,467

593

1,338

1,326

1,631

2,471

1,279

825

11,732

-662

-1,431

-1,406

-1,527

-115

Noninterest expense
Salaries and employee benefits

5,152

5,480

5,289

5,273

5,381

5,580

5,029

5,019

5,849

4,947

4,951

4,843

4,682

4,564

4,676

4,561

4,611

4,437

4,803

4,406

4,495

4,113

4,072

4,028

3,923

3,991

4,096

3,901

3,993

4,068

4,028

4,177

4,238

4,178

4,050

4,171

4,204

5,255

4,805

Occupancy expenses

827

791

813

919

930

827

780

769

812

801

857

740

732

694

756

646

641

616

669

619

688

631

631

687

648

647

690

717

663

691

708

685

631

660

687

733

814

774

713

Equipment expenses

372

332

377

394

381

374

366

344

314

295

305

260

284

270

242

248

239

253

282

260

240

223

255

260

219

248

276

247

267

256

266

270

295

298

289

320

330

322

363

Legal fees

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

24

38

13

-

3

15

24

63

241

35

105

117

96

Professional fees

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

52

139

50

-

74

148

85

126

68

198

191

425

743

FDIC assessment

125

-20

4

162

150

177

195

198

206

176

185

164

201

67

253

252

251

294

187

220

237

194

210

194

207

228

225

223

167

37

368

496

584

575

580

761

872

579

613

Data processing fees

592

588

594

579

568

655

482

499

486

457

501

477

488

444

410

405

415

454

401

412

442

420

355

463

494

505

485

551

537

335

473

499

517

458

478

476

452

735

572

FDIC indemnification asset amortization

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

13,803

1,153

1,239

-

1,439

-

-

-

-

-

-

-

-

-

1,882

-

-2,359

-2,657

-2,745

-1,252

-362

FDIC indemnification asset amortization

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,478

1,498

-

1,716

1,592

1,501

-

1,579

1,983

-

-

-

-

-

-

-

Amortization of intangibles

-

-

-

-

-

-

-

-

-

20

62

339

477

477

477

476

477

477

477

477

477

477

477

477

477

506

565

566

565

566

565

565

565

566

565

565

565

565

566

Other real estate expense, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-235

392

100

283

828

-33

502

737

-

885

-

-

-

-

-

-

-

-

Other real estate expense, net

6

-

565

105

-8

-

63

45

50

-

37

34

27

-

28

-15

-102

-

858

137

85

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Impairment of goodwill

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

5,727

Other operating expenses

1,520

1,441

1,588

1,559

1,438

1,465

1,376

1,313

1,649

1,959

1,641

1,528

1,442

1,432

1,436

1,656

1,499

1,543

1,549

1,759

1,616

1,540

1,707

1,672

1,428

2,109

1,337

1,282

1,218

1,321

1,409

1,790

1,471

735

1,724

2,075

1,678

1,615

1,977

Total noninterest expense

8,594

8,668

9,230

8,991

8,840

9,033

8,291

8,187

9,366

8,719

8,539

8,385

8,333

8,212

8,278

8,229

8,031

8,269

23,029

9,443

9,519

8,743

9,538

9,359

9,177

10,386

9,433

9,758

9,711

10,025

10,358

10,628

10,292

21,811

8,682

9,334

9,211

10,387

16,175

Income before income taxes

1,679

-

-

-

4,299

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income before income taxes

-

-

5,700

4,335

-

-

4,900

4,595

3,134

-

3,335

3,626

3,569

-

3,320

3,199

3,403

-

-11,931

2,226

1,663

2,932

2,510

2,369

2,433

1,654

2,582

2,280

1,887

2,021

2,646

1,683

1,380

934

1,954

648

-2,032

-2,361

-27,459

Income tax expense

264

878

1,087

791

796

787

945

813

540

4,216

919

692

1,076

1,090

862

881

983

704

-4,215

533

351

673

697

649

709

461

800

673

563

448

837

473

390

239

532

127

-838

-1,062

-7,843

Net income

1,415

4,045

4,613

3,544

3,503

3,357

3,955

3,782

2,594

-640

2,416

2,934

2,493

2,726

2,458

2,318

2,420

2,214

-7,716

1,693

1,312

2,259

1,813

1,720

1,724

1,193

1,782

1,607

1,324

1,573

1,809

1,210

990

695

1,422

521

-1,194

-1,299

-19,616

Dividends paid on preferred stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

182

65

235

208

221

221

221

221

221

221

-

-

-

-

-

221

Accretion of discount on preferred stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

73

59

-

-

-

-

-

-

-

-

-

-

-

Accretion of discount on preferred stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

58

-

55

-55

-55

361

-51

-53

-51

-48

-49

Accumulated preferred dividends

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

221

221

221

221

221

-

Net income (loss) available to common shareholders

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,693

-

2,259

1,813

1,538

1,659

914

1,501

1,327

1,045

1,297

1,533

934

714

423

1,150

247

-1,466

-1,568

-19,886

Net income per share - basic

0.06

0.18

0.21

0.16

0.16

0.15

0.18

0.17

0.12

-0.02

0.11

0.13

0.11

0.12

0.11

0.11

0.11

0.10

-0.35

0.08

0.06

0.10

0.08

0.07

0.08

0.04

0.07

0.06

0.05

0.07

0.07

0.04

0.03

0.03

0.05

0.01

-0.07

-0.07

-0.93

Net income per share - diluted

0.06

0.18

0.20

0.16

0.16

0.15

0.17

0.17

0.12

-0.03

0.11

0.13

0.11

0.12

0.11

0.11

0.11

0.10

-0.35

0.08

0.06

0.10

0.08

0.07

0.08

0.04

0.07

0.06

0.05

0.07

0.07

0.04

0.03

0.03

0.05

0.01

-0.07

-0.07

-0.93

Weighted average number of shares outstanding
Basic

22,400

22,384

22,303

22,228

22,141

22,125

22,115

22,096

22,076

22,056

22,041

21,997

21,962

21,951

21,935

21,897

21,873

21,853

21,835

21,821

21,799

21,785

21,764

21,742

21,729

21,715

21,707

21,696

21,682

21,668

21,651

21,638

21,631

21,629

21,628

21,535

21,468

21,468

21,468

Diluted

22,591

22,700

22,561

22,433

22,430

22,548

22,627

22,580

22,521

22,649

22,542

22,424

22,433

22,413

22,127

22,039

22,065

21,552

21,835

21,958

21,963

21,943

21,987

21,939

22,055

22,043

21,971

21,835

21,839

21,777

21,743

21,706

21,642

21,629

21,628

21,535

21,468

21,468

21,468