Investar holding corp (ISTR)
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'14Sep'13Jun'13
INTEREST INCOME
Interest and fees on loans

21,669

21,333

20,844

20,233

18,544

17,996

16,905

16,223

15,626

14,407

12,893

10,559

10,004

10,103

10,011

9,781

9,485

9,220

8,912

8,646

8,298

8,384

7,801

7,119

6,675

6,014

5,391

Interest on investment securities

1,695

1,743

1,848

1,923

1,926

1,795

1,710

1,644

1,459

1,428

1,399

1,199

1,029

898

920

891

856

631

550

523

485

422

367

278

272

-

-

Taxable interest income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

106

66

Exempt from federal income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

100

90

Other interest income

257

439

162

232

216

136

162

142

93

132

150

86

60

61

62

47

37

22

18

18

17

17

14

10

10

11

6

Total interest income

23,621

23,515

22,854

22,388

20,686

19,927

18,777

18,009

17,178

15,967

14,442

11,844

11,093

11,062

10,993

10,719

10,378

9,873

9,480

9,187

8,800

8,823

8,182

7,407

6,957

6,231

5,553

INTEREST EXPENSE
Interest on deposits

5,032

5,319

5,198

4,684

4,106

3,721

2,994

2,426

2,253

2,233

2,137

1,827

1,853

1,970

1,934

1,763

1,515

1,401

1,358

1,299

1,192

1,136

1,084

1,050

1,003

862

780

Interest on borrowings

1,254

1,231

1,290

1,373

1,424

1,399

1,398

1,263

1,067

917

767

715

380

311

306

298

316

245

170

108

109

109

98

108

87

70

56

Total interest expense

6,286

6,550

6,488

6,057

5,530

5,120

4,392

3,689

3,320

3,150

2,904

2,542

2,233

2,281

2,240

2,061

1,831

1,646

1,528

1,407

1,301

1,245

1,182

1,158

1,090

932

836

Net interest income

17,335

16,965

16,366

16,331

15,156

14,807

14,385

14,320

13,858

12,817

11,538

9,302

8,860

8,781

8,753

8,658

8,547

8,227

7,952

7,780

7,499

7,578

7,000

6,249

5,867

5,299

4,717

Financing Receivable, Credit Loss, Expense (Reversal)

3,760

736

538

369

265

593

785

567

625

395

420

375

350

375

450

800

454

365

400

400

700

430

505

448

245

108

-

Provision for loan losses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

143

Net interest income after provision for loan losses

13,575

16,229

15,828

15,962

14,891

14,214

13,600

13,753

13,233

12,422

11,118

8,927

8,510

8,406

8,303

7,858

8,093

7,862

7,552

7,380

6,799

7,148

6,495

5,801

5,622

5,191

4,574

NONINTEREST INCOME
Service charges on deposit accounts

571

544

462

434

400

-

368

327

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Service charges on deposit accounts

-

-

-

-

-

-

-

-

359

-

281

96

97

79

79

88

97

94

95

97

94

84

85

73

63

67

58

Marketable Securities, Realized Gain (Loss)

172

33

0

227

2

-23

15

22

0

50

27

109

106

15

204

144

80

-

334

-

-

-

-

-

-

-

-

Gain on sale of investment securities, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

134

-

-

63

48

116

35

47

Gain (Loss) on Disposition of Property Plant Equipment

-

-

0

-11

-

0

9

-1

90

-57

160

1

23

14

0

1,252

0

-

-

-

-

-

-

-

-

-

-

Gain Losses On Sales Of Foreclosed Assets

26

-17

1

13

5

-20

0

-4

0

-5

37

-10

5

2

0

10

1

36

-147

7

-1

-7

245

-5

-3

-

-

Gain on sale of real estate owned, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6

91

Gain (Loss) on Sales of Loans, Net

-

-

-

-

-

-

-

-

-

-

-

-

-

92

0

0

313

537

1,023

1,077

1,731

648

1,146

1,031

624

86

52

Gain on sale of fixed assets, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2

-

Servicing fees and fee income on serviced loans

120

121

142

150

180

190

232

253

288

329

352

378

423

449

510

537

591

1,772

261

210

300

-

85

-

-

-

-

Interchange fees

295

289

294

291

240

-

240

255

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interchange fees

-

-

-

-

-

-

-

-

191

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income from bank owned life insurance

190

195

186

170

152

157

159

161

151

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Change in the fair value of equity securities

-826

-

-9

57

172

-

36

3

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Servicing fees

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

429

373

-

-

-

-

-

-

-

Fee income on loans held for sale, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

89

76

-

-

Bargain purchase gain

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

906

Fee income on mortgage loans held for sale, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

593

921

Other operating income

541

289

542

411

130

193

158

177

-7

-430

310

227

231

-325

236

225

205

-102

172

168

416

-150

335

273

190

234

118

Total noninterest income

1,089

1,575

1,618

1,742

1,281

836

1,217

1,193

1,072

962

1,167

801

885

896

1,029

2,256

1,287

1,571

2,167

2,066

2,540

1,326

1,959

1,509

1,066

1,023

2,193

Income before noninterest expense

14,664

17,804

17,446

17,704

16,172

15,050

14,817

14,946

14,305

13,384

12,285

9,728

9,395

9,302

9,332

10,114

9,380

9,433

9,719

9,446

9,339

-

8,454

7,310

-

-

-

Income before noninterest expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,688

-

-

Income before noninterest expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,214

6,767

NONINTEREST EXPENSE
Depreciation, Depletion and Amortization, Nonproduction

1,033

943

882

873

764

682

644

629

598

556

542

391

376

383

371

369

370

365

362

362

357

352

343

328

303

-

-

Salaries and employee benefits

7,953

7,826

7,325

7,077

6,415

6,280

6,646

6,495

6,048

5,486

5,136

4,109

3,950

3,901

3,945

3,890

3,873

4,358

4,161

3,971

3,908

3,830

3,773

3,491

3,471

3,268

2,860

Occupancy

531

524

445

454

414

326

337

335

380

324

317

245

264

252

265

242

236

296

217

225

213

205

223

181

224

570

450

Bank shares tax

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

68

55

FDIC and OFI assessments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

101

79

Legal fees

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

14

77

Data processing

693

505

675

644

536

490

493

565

542

521

446

355

368

373

374

367

374

409

389

370

340

349

354

308

278

239

215

Marketing

32

55

86

68

51

84

71

44

38

151

124

119

28

70

102

102

112

93

35

62

58

88

94

71

76

-

-

Advertising

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

83

71

Stationery and supplies

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

59

62

Software amortization and expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

118

95

Professional fees

394

249

326

309

305

287

281

228

255

224

263

231

232

295

312

375

279

305

271

237

262

167

176

197

59

33

100

Customer reimbursements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

584

-

-

-

-

-

-

-

-

-

-

-

Acquisition expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

Acquisition expense

800

1,008

177

0

905

341

0

0

1,104

819

824

80

145

-

0

-

-

-

-

-

-

-

-

-

-

-

-

Telephone expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

43

34

Business entertainment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

22

16

Other operating expenses

2,520

2,519

1,766

2,129

1,913

2,416

1,782

1,864

1,597

1,527

1,470

1,398

1,321

1,329

1,179

1,175

1,140

1,408

1,578

1,455

1,286

1,276

1,350

1,153

974

600

501

Total noninterest expense

13,907

13,629

11,682

11,554

11,303

10,906

10,254

10,160

10,562

9,608

9,122

6,928

6,684

6,603

6,548

7,104

6,384

7,234

7,013

6,682

6,424

6,957

6,313

5,729

5,385

5,218

4,615

Income before income tax expense

757

4,175

5,764

6,150

4,869

4,144

4,563

4,786

3,743

3,776

3,163

2,800

2,711

2,699

2,784

3,010

2,996

2,199

2,706

2,764

2,915

-

2,141

1,581

-

-

-

Income before income tax expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,303

996

2,152

Income tax expense

149

844

1,107

1,216

952

807

516

966

1,341

1,492

1,032

877

847

851

747

1,005

1,006

745

850

951

965

-492

699

514

424

322

455

Net Income (Loss) Attributable to Parent

608

3,331

4,657

4,934

3,917

3,337

4,047

3,820

2,402

2,284

2,131

1,923

1,864

1,848

2,037

2,005

1,990

1,454

1,856

1,813

1,950

2,009

1,442

1,067

879

674

1,697

EARNINGS PER SHARE
Basic earnings per share (in dollars per share)

0.05

0.33

0.46

0.49

0.40

0.35

0.42

0.39

0.25

0.24

0.24

0.22

0.26

0.26

0.29

0.28

0.28

0.20

0.26

0.25

0.27

0.28

0.20

0.27

0.23

0.17

0.47

Diluted earnings per share (in dollars per share)

0.05

0.32

0.46

0.48

0.40

0.34

0.41

0.39

0.25

0.24

0.24

0.22

0.26

0.25

0.29

0.28

0.28

0.19

0.26

0.25

0.27

0.26

0.20

0.26

0.21

0.16

0.44

Cash dividends declared per common share (in dollars per share)

0.06

0.06

0.06

0.05

0.05

0.04

0.05

0.04

0.04

0.03

0.03

0.02

0.02

0.01

0.01

0.01

0.01

0.00

0.01

0.01

0.01

0.01

0.01

0.01

0.01

0.01

0.01