Investar holding corp (ISTR)
Income statement / TTM
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

84,079

80,954

77,617

73,678

69,668

66,750

63,161

59,149

53,485

47,863

43,559

40,677

39,899

39,380

38,497

37,398

36,263

35,076

34,240

33,129

31,602

29,979

27,609

25,199

0

0

0

Interest on investment securities

7,209

7,440

7,492

7,354

7,075

6,608

6,241

5,930

5,485

5,055

4,525

4,046

3,738

3,565

3,298

2,928

2,560

2,189

1,980

1,797

1,552

1,339

0

0

0

-

-

Taxable interest income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Exempt from federal income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Other interest income

1,090

1,049

746

746

656

533

529

517

461

428

357

269

230

207

168

124

95

75

70

66

58

51

45

37

0

0

0

Total interest income

92,378

89,443

85,855

81,778

77,399

73,891

69,931

65,596

59,431

53,346

48,441

44,992

43,867

43,152

41,963

40,450

38,918

37,340

36,290

34,992

33,212

31,369

28,777

26,148

0

0

0

INTEREST EXPENSE
Interest on deposits

20,233

19,307

17,709

15,505

13,247

11,394

9,906

9,049

8,450

8,050

7,787

7,584

7,520

7,182

6,613

6,037

5,573

5,250

4,985

4,711

4,462

4,273

3,999

3,695

0

0

0

Interest on borrowings

5,148

5,318

5,486

5,594

5,484

5,127

4,645

4,014

3,466

2,779

2,173

1,712

1,295

1,231

1,165

1,029

839

632

496

424

424

402

363

321

0

0

0

Total interest expense

25,381

24,625

23,195

21,099

18,731

16,521

14,551

13,063

11,916

10,829

9,960

9,296

8,815

8,413

7,778

7,066

6,412

5,882

5,481

5,135

4,886

4,675

4,362

4,016

0

0

0

Net interest income

66,997

64,818

62,660

60,679

58,668

57,370

55,380

52,533

47,515

42,517

38,481

35,696

35,052

34,739

34,185

33,384

32,506

31,458

30,809

29,857

28,326

26,694

24,415

22,132

0

0

0

Financing Receivable, Credit Loss, Expense (Reversal)

5,403

1,908

1,765

2,012

2,210

2,570

2,372

2,007

1,815

1,540

1,520

1,550

1,975

2,079

2,069

2,019

1,619

1,865

1,930

2,035

2,083

1,628

1,306

0

0

0

-

Provision for loan losses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Net interest income after provision for loan losses

61,594

62,910

60,895

58,667

56,458

54,800

53,008

50,526

45,700

40,977

36,961

34,146

33,077

32,660

32,116

31,365

30,887

29,593

28,879

27,822

26,243

25,066

23,109

21,188

0

0

0

NONINTEREST INCOME
Service charges on deposit accounts

2,011

1,840

1,664

1,529

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Service charges on deposit accounts

-

-

-

-

-

-

-

-

1,029

-

553

351

343

343

358

374

383

380

370

360

336

305

288

261

0

0

0

Marketable Securities, Realized Gain (Loss)

432

262

206

221

16

14

87

99

186

292

257

434

469

443

762

0

0

-

0

-

-

-

-

-

-

-

-

Gain on sale of investment securities, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

262

246

0

0

0

Gain (Loss) on Disposition of Property Plant Equipment

-

-

-11

-2

-

98

41

192

194

127

198

38

1,289

1,266

0

0

0

-

-

-

-

-

-

-

-

-

-

Gain Losses On Sales Of Foreclosed Assets

23

2

-1

-2

-19

-24

-9

28

22

27

34

-3

17

13

47

-100

-103

-105

-148

244

232

230

0

0

0

-

-

Gain on sale of real estate owned, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Gain (Loss) on Sales of Loans, Net

-

-

-

-

-

-

-

-

-

-

-

-

-

405

850

1,873

2,950

4,368

4,479

4,602

4,556

3,449

2,887

1,793

0

0

0

Gain on sale of fixed assets, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

Servicing fees and fee income on serviced loans

533

593

662

752

855

963

1,102

1,222

1,347

1,482

1,602

1,760

1,919

2,087

3,410

3,161

2,834

2,543

0

0

0

-

0

-

-

-

-

Interchange fees

1,169

1,114

1,065

1,026

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interchange fees

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income from bank owned life insurance

741

703

665

638

629

628

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Change in the fair value of equity securities

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Servicing fees

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

Fee income on loans held for sale, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

Bargain purchase gain

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Fee income on mortgage loans held for sale, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Other operating income

1,783

1,372

1,276

892

658

521

-102

50

100

338

443

369

367

341

564

500

443

654

606

769

874

648

1,032

815

0

0

0

Total noninterest income

6,024

6,216

5,477

5,076

4,527

4,318

4,444

4,394

4,002

3,815

3,749

3,611

5,066

5,468

6,143

7,281

7,091

8,344

8,099

7,891

7,334

5,860

5,557

5,791

0

0

0

Income before noninterest expense

67,618

69,126

66,372

63,743

60,985

59,118

57,452

54,920

49,702

44,792

40,710

37,757

38,143

38,128

38,259

38,646

37,978

37,937

36,958

34,549

0

-

0

0

-

-

-

Income before noninterest expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

Income before noninterest expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

NONINTEREST EXPENSE
Depreciation, Depletion and Amortization, Nonproduction

3,731

3,462

3,201

2,963

2,719

2,553

2,427

2,325

2,087

1,865

1,692

1,521

1,499

1,493

1,475

1,466

1,459

1,446

1,433

1,414

1,380

1,326

0

0

0

-

-

Salaries and employee benefits

30,181

28,643

27,097

26,418

25,836

25,469

24,675

23,165

20,779

18,681

17,096

15,905

15,686

15,609

16,066

16,282

16,363

16,398

15,870

15,482

15,002

14,565

14,003

13,090

0

0

0

Occupancy

1,954

1,837

1,639

1,531

1,412

1,378

1,376

1,356

1,266

1,150

1,078

1,026

1,023

995

1,039

991

974

951

860

866

822

833

1,198

1,425

0

0

0

Bank shares tax

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

FDIC and OFI assessments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Legal fees

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Data processing

2,517

2,360

2,345

2,163

2,084

2,090

2,121

2,074

1,864

1,690

1,542

1,470

1,482

1,488

1,524

1,539

1,542

1,508

1,448

1,413

1,351

1,289

1,179

1,040

0

0

0

Marketing

241

260

289

274

250

237

304

357

432

422

341

319

302

386

409

342

302

248

243

302

311

329

0

0

0

-

-

Advertising

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Stationery and supplies

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Software amortization and expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Professional fees

1,278

1,189

1,227

1,182

1,101

1,051

988

970

973

950

1,021

1,070

1,214

1,261

1,271

1,230

1,092

1,075

937

842

802

599

465

389

0

0

0

Customer reimbursements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

Acquisition expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

Acquisition expense

1,985

2,090

1,423

1,246

1,246

1,445

1,923

2,747

2,827

1,868

1,049

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

Telephone expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Business entertainment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Other operating expenses

8,934

8,327

8,224

8,240

7,975

7,659

6,770

6,458

5,992

5,716

5,518

5,227

5,004

4,823

4,902

5,301

5,581

5,727

5,595

5,367

5,065

4,753

4,077

3,228

0

0

0

Total noninterest expense

50,772

48,168

45,445

44,017

42,623

41,882

40,584

39,452

36,220

32,342

29,337

26,763

26,939

26,639

27,270

27,735

27,313

27,353

27,076

26,376

25,423

24,384

22,645

20,947

0

0

0

Income before income tax expense

16,846

20,958

20,927

19,726

18,362

17,236

16,868

15,468

13,482

12,450

11,373

10,994

11,204

11,489

10,989

10,911

10,665

10,584

10,526

9,401

0

-

0

0

-

-

-

Income before income tax expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Income tax expense

3,316

4,119

4,082

3,491

3,241

3,630

4,315

4,831

4,742

4,248

3,607

3,322

3,450

3,609

3,503

3,606

3,552

3,511

2,274

2,123

1,686

1,145

1,959

1,715

0

0

0

Net Income (Loss) Attributable to Parent

13,530

16,839

16,845

16,235

15,121

13,606

12,553

10,637

8,740

8,202

7,766

7,672

7,754

7,880

7,486

7,305

7,113

7,073

7,628

7,214

6,468

5,397

4,062

4,317

0

0

0

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