MVB Financial Corp MVBF Income Statement

Mvb financial corp (MVBF)

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	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11	Dec'10	Sep'10	Jun'10	Mar'10
INTEREST INCOME
Interest and fees on loans
76,131	74,854	73,160	70,286	66,839	62,468	58,299	55,210	52,626	51,217	50,211	49,420	49,469	50,018	48,957	47,057	44,309	40,642	37,681	35,258	33,415	31,949	30,744	28,123	25,655	23,727	21,465	20,780	19,887	19,105	18,481	17,932	17,284	16,446	15,716	14,859	13,964	13,468	0	0	0
Interest on deposits with other banks
478	489	498	469	435	403	374	360	351	340	321	313	313	322	327	317	298	274	271	253	241	223	199	200	201	200	199	192	191	204	199	163	125	103	146	250	445	587	0	0	0
Interest on investment securities - taxable
2,842	3,055	3,261	3,441	3,564	3,580	3,429	3,253	3,007	2,658	2,266	1,915	1,602	1,366	1,268	1,139	1,029	958	924	964	1,100	1,272	1,453	1,563	1,480	1,348	1,206	1,178	1,310	1,457	1,606	1,664	1,621	1,539	1,457	1,465	1,404	1,427	0	0	0
Interest on tax exempt loans and securities
3,986	3,963	3,798	3,659	3,491	3,309	3,158	2,891	2,600	2,383	2,352	2,395	2,425	2,417	2,285	2,217	2,208	2,226	2,275	2,354	2,541	2,724	2,818	2,780	2,512	2,240	2,042	1,834	1,663	1,488	1,301	1,131	1,019	920	844	857	829	805	0	0	0
Total interest income
83,437	82,361	80,717	77,855	74,329	69,760	65,260	61,714	58,584	56,598	55,150	54,043	53,809	54,123	52,837	50,730	47,844	44,100	41,151	38,829	37,297	36,168	35,214	32,666	29,848	27,515	24,912	23,984	23,051	22,254	21,587	20,890	20,049	19,008	18,163	17,431	16,642	16,287	0	0	0
INTEREST EXPENSE
Interest on deposits
17,226	17,439	16,821	15,478	13,460	11,635	10,280	9,253	8,686	8,294	7,961	7,780	7,766	7,748	7,431	7,194	6,767	6,246	5,984	5,656	5,825	5,563	5,211	4,939	4,197	3,999	3,894	3,803	3,808	3,866	3,836	3,831	3,862	3,852	3,931	4,067	4,207	4,401	0	0	0
Interest on repurchase agreements
44	48	44	42	51	56	68	78	77	75	73	70	68	72	76	77	80	83	91	102	189	291	427	529	570	567	554	539	520	511	504	513	508	503	494	484	461	474	0	0	0
Interest on FHLB and other borrowings
4,048	4,704	4,856	4,672	4,774	4,259	3,584	2,933	2,116	1,690	1,441	1,209	1,148	1,086	1,060	903	761	692	476	443	409	515	377	457	543	542	810	0	0	-	0	-	-	-	-	-	-	-	-	-	-
Interest on subordinated debt
520	770	1,051	1,228	1,483	1,756	2,001	2,233	2,249	2,242	2,236	2,230	2,225	2,226	2,220	2,217	2,213	2,204	2,201	2,189	1,666	1,142	609	85	78	79	81	0	0	-	0	-	-	-	-	-	-	-	-	-	-
FHLB and other borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	468	460	464	0	0	0	-	-	-	-
FHLB and other borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Subordinated debt
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	85	83	81	0	0	0	-	0	0	0
Total interest expense
21,838	22,961	22,772	21,420	19,768	17,706	15,933	14,497	13,128	12,301	11,711	11,289	11,207	11,132	10,787	10,391	9,821	9,225	8,752	8,390	8,089	7,511	6,624	6,010	5,388	5,187	5,340	5,143	5,025	4,930	4,894	4,897	4,913	4,900	4,981	5,119	5,252	5,470	0	0	0
NET INTEREST INCOME
61,599	59,400	57,945	56,435	54,561	52,054	49,327	47,217	45,456	44,297	43,439	42,754	42,602	42,991	42,050	40,339	38,023	34,875	32,399	30,439	29,208	28,657	28,590	26,656	24,460	22,328	19,572	18,841	18,026	17,324	16,693	15,993	15,136	14,108	13,182	12,312	11,390	10,817	0	0	0
Provision for loan losses
2,627	1,789	1,849	2,261	2,266	2,440	3,184	2,211	2,129	2,173	1,794	2,773	3,525	3,632	3,612	3,173	2,459	2,493	2,247	2,394	2,722	2,582	2,458	2,001	1,779	2,260	2,668	3,117	3,125	2,800	2,627	2,443	2,098	1,723	1,561	1,210	1,160	1,100	0	0	0
Net interest income after provision for loan losses
58,972	57,611	56,096	54,174	52,295	49,614	46,143	45,006	43,327	42,124	41,645	39,981	39,077	39,359	38,438	37,166	35,564	32,382	30,152	28,045	26,486	26,075	26,132	24,655	22,681	20,068	16,904	15,724	14,901	14,524	14,066	13,550	13,038	12,385	11,621	11,102	10,230	9,717	0	0	0
NONINTEREST INCOME
Noninterest income
0	-	0	-	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Service charges on deposit accounts
-	-	-	1,215	-	-	-	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Service charges on deposit accounts
-	-	-	-	-	-	-	-	-	-	-	758	778	-	732	708	687	646	648	656	663	677	684	684	682	673	683	697	706	730	725	706	691	660	631	596	605	658	0	0	0
Income on bank owned life insurance
895	1,197	1,197	1,493	1,489	1,182	1,151	782	717	646	614	621	624	638	638	640	647	653	656	665	627	588	542	491	496	460	454	411	357	343	312	315	318	287	278	264	247	265	0	0	0
Visa debit card and interchange income
-	-	-	677	-	-	-	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interchange and debit card transaction fees
-	-	-	-	-	-	-	-	-	-	-	1,197	1,188	-	1,195	1,148	1,070	987	888	847	819	778	805	750	686	641	530	0	0	-	0	-	-	-	-	-	-	-	-	-	-
Mortgage fee income
45,594	41,045	35,733	33,245	32,444	32,337	33,179	34,189	34,078	37,149	37,454	38,104	38,549	35,700	32,441	30,728	29,948	29,472	28,947	24,940	20,656	17,557	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain on sale of portfolio loans
595	520	209	164	41	198	278	538	741	538	681	654	902	1,042	1,132	1,213	1,216	1,413	1,120	1,017	1,221	1,550	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Visa debit card income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	436	429	414	407	394	366	361	0	0	0
Gain on loans held for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19,882	15,140	8,348	3,850	2,053	1,753	1,295	957	852	704	613	634	0	0	0
Capitalized servicing retained income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	0	-	-	-	-	-	-	-	-
Insurance and investment services income
778	727	678	698	708	716	708	656	603	563	512	493	491	420	-1,262	-1,292	-1,307	338	-514	297	1,010	328	3,315	2,528	0	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain (loss) on sale of available-for-sale securities, net
228	-166	-179	-167	-117	327	432	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
(Loss) on sale of equity securities, net
-	-	0	0	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain on sale of securities, net
-	-	-	-	-	-	-	-	-	-	-	829	884	-	1,082	607	390	130	147	414	534	413	459	188	144	145	195	0	0	-	0	-	-	-	-	-	-	-	-	-	-
Gain on sale of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	550	750	833	0	0	0	-	-	-	-
(Loss) gain on derivatives, net
-2,759	1,253	1,902	66	-412	-278	3	-575	-191	-2,722	-2,182	-875	-881	1,467	2,041	1	-1,173	675	-483	1,165	1,912	-2	184	299	-483	59	0	0	0	-	-	-	0	-	-	-	-	-	-	-	-
Commercial swap fee income
1,957	1,717	1,279	657	219	552	600	646	916	503	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Holding gain on equity securities
13,601	13,767	13,775	14,398	800	590	582	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Compliance consulting income
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain on sale of subsidiary
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other operating income
1,803	1,650	1,619	1,519	1,393	1,336	1,640	1,431	1,337	1,275	737	875	825	850	214	387	308	259	710	245	223	133	-1,452	-712	-327	83	1,830	1,578	1,426	1,126	1,141	751	619	537	539	464	455	448	0	0	0
Gain on sale of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Total noninterest income
66,689	64,604	58,143	53,958	38,366	38,640	40,502	40,149	40,921	40,706	40,615	42,983	43,417	43,205	38,595	34,522	32,168	34,955	32,119	30,246	27,665	22,022	23,729	24,783	26,340	27,568	27,000	21,049	13,699	7,749	5,215	4,511	4,102	3,688	3,192	2,810	2,514	2,454	0	0	0
NONINTEREST EXPENSES
Salaries and employee benefits
60,623	56,175	52,189	48,271	47,485	46,224	45,586	45,315	44,619	44,108	43,808	44,942	44,879	45,225	42,189	39,090	36,647	36,073	33,757	32,071	30,711	27,774	28,522	28,139	27,644	27,067	23,890	18,804	13,530	9,266	8,149	7,745	7,251	6,717	6,111	5,653	5,130	4,796	0	0	0
Occupancy expense
4,851	4,816	4,510	4,456	4,370	4,234	4,179	4,172	4,139	4,084	4,032	3,888	3,742	3,686	3,607	3,542	3,453	3,390	3,188	3,087	2,952	2,704	2,516	2,232	2,035	1,838	1,590	1,349	1,078	852	819	794	758	697	642	609	582	590	0	0	0
Equipment depreciation and maintenance
3,663	3,640	3,489	3,392	3,309	3,239	3,230	3,179	3,100	3,005	2,885	2,737	2,581	2,452	2,298	2,206	2,090	2,013	1,864	1,721	1,600	1,479	1,452	1,393	1,291	1,257	1,115	959	889	717	673	640	624	594	561	536	481	472	0	0	0
Data processing and communications
4,200	4,025	4,031	3,901	3,894	3,741	4,018	4,219	4,737	5,116	4,983	5,278	5,054	4,964	4,931	4,544	4,208	4,010	3,546	3,232	3,008	2,768	3,709	3,255	2,805	2,324	952	846	729	612	550	524	464	412	289	220	291	392	0	0	0
Mortgage processing
3,083	3,041	3,053	3,192	3,468	3,551	3,503	3,454	3,205	3,207	3,354	3,338	3,388	3,355	3,304	3,276	3,273	3,158	3,116	2,938	2,715	2,514	2,207	2,334	2,445	2,407	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Marketing, contributions, and sponsorships
1,422	1,300	1,079	913	967	1,100	1,299	1,291	1,220	1,200	1,165	1,257	1,330	1,300	1,276	1,312	1,312	1,352	1,386	1,288	1,228	1,137	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Visa debit card expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	455	0	0	-	0	-	-	-	-	-	-	-	-	-	-
Visa debit card expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	356	346	332	322	317	298	295	0	0	0
Advertising
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,178	867	716	647	777	669	574	482	406	358	307	338	0	0	0
Professional fees
5,502	4,999	4,036	3,735	3,642	3,559	3,427	3,263	3,211	3,143	2,691	2,590	2,692	2,720	3,327	3,496	3,275	3,232	2,912	2,638	2,401	2,237	2,745	2,470	2,273	1,977	882	597	482	396	609	675	684	632	337	228	187	167	0	0	0
Printing, postage, and supplies
716	674	646	670	732	762	802	924	936	988	963	812	768	767	793	829	792	762	687	668	702	709	979	930	893	788	446	359	254	200	190	178	169	172	156	149	127	130	0	0	0
Insurance, tax, and assessment expense
1,622	1,663	1,923	1,992	1,961	1,846	1,727	1,715	1,726	1,797	1,824	1,723	1,615	1,528	1,281	1,300	1,340	1,394	1,551	1,581	1,567	1,478	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Consulting fees
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,087	1,023	1,029	1,022	473	433	429	408	386	355	248	211	0	0	0
FDIC insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	464	495	414	302	248	206	276	368	450	500	513	523	0	0	0
Travel, entertainment, dues, and subscriptions
4,679	4,151	3,536	3,123	2,850	2,808	2,591	2,441	2,368	2,221	2,134	1,965	1,858	1,725	1,618	1,676	1,627	1,579	1,468	1,347	1,307	1,299	1,857	1,706	1,471	1,244	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Other taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	186	179	170	175	176	183	191	190	0	0	0
Other operating expenses
3,058	2,727	2,158	2,042	1,868	1,773	1,778	1,716	1,682	1,652	1,717	1,799	1,675	1,534	1,454	824	867	885	735	1,098	1,121	1,095	-133	520	908	1,419	3,341	2,792	2,439	2,038	1,514	1,472	1,438	1,370	1,293	1,204	1,101	1,035	0	0	0
Total noninterest expenses
93,409	87,201	80,691	75,728	74,587	72,878	72,119	71,668	70,922	70,500	69,509	70,282	69,535	69,209	66,078	62,095	58,884	57,848	54,210	51,669	49,312	45,194	45,903	45,270	44,065	42,633	37,544	29,813	22,506	16,439	14,570	13,871	13,183	12,359	11,129	10,312	9,456	9,139	0	0	0
Income before income taxes
32,252	35,014	33,548	32,404	16,074	15,376	14,526	13,487	13,326	12,330	12,751	12,682	12,959	13,355	10,955	9,593	8,848	9,489	8,061	6,622	4,839	2,903	3,958	4,168	4,956	5,003	6,360	6,960	6,094	5,834	4,711	4,190	3,957	3,714	0	0	0	-	-	-	-
Income before income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Income tax expense
7,832	8,450	8,080	7,703	3,473	3,373	4,099	4,321	4,731	4,755	4,235	4,174	4,253	4,378	3,431	2,869	2,503	2,886	2,378	1,912	1,239	248	703	693	966	983	1,489	1,798	1,599	1,666	1,258	1,112	1,060	1,012	1,027	996	892	795	0	0	0
Net Income from continuing operations
-	-	25,468	24,701	-	12,003	10,427	9,166	8,595	7,575	8,516	8,508	8,706	8,977	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net income (loss) from continuing operations
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income from discontinued operations, before income taxes
-	-	0	0	-	-	0	0	-	-	-	-	-	6,346	6,270	5,991	0	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income tax expense - discontinued operations
-	-	0	0	-	-	0	0	-	-	-	-	-	2,411	2,382	2,277	0	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Income from discontinued operations
-	-	-	-	-	-	-	-	-	-	-	-	-	3,935	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net income (loss) from discontinued operations
-	-	0	0	-	-	0	0	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net income
24,847	26,991	26,475	24,979	0	-	0	0	-	-	-	-	-	12,912	12,007	11,103	6,509	6,816	4,829	3,960	3,024	2,079	3,255	3,475	3,990	4,020	4,871	5,162	4,495	4,168	3,453	3,078	2,897	2,702	2,657	2,604	2,396	2,237	0	0	0
Preferred dividends
472	479	487	489	489	489	490	490	490	498	688	879	1,071	1,128	959	790	619	575	575	574	453	332	208	85	85	85	137	137	136	136	63	42	0	-	0	0	-	-	-	-	-
Net income available to common shareholders - basic
24,375	26,512	25,408	24,658	12,112	11,514	9,937	8,676	8,105	7,077	7,771	7,572	11,619	11,784	11,048	10,313	5,890	6,241	4,254	3,386	2,571	1,747	3,047	3,390	3,905	3,935	4,734	5,025	4,359	4,032	3,336	2,945	0	-	0	0	-	-	-	-	-
Earnings per share from continuing operations - basic (in dollars per share)
-	-	0.36	1.27	-	0.25	0.30	0.25	0.24	0.13	0.21	0.21	0.14	0.23	0.25	0.27	0.21	-	0.17	0.24	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings per share from discontinued operations - basic (in dollars per share)
-	-	0.00	0.04	-	-	0.00	0.00	-	-	-	-	-	-0.01	0.00	0.50	-0.01	-	-0.01	-0.02	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings per share - basic (in dollars per share)
0.08	0.33	0.36	1.31	0.26	-	0.30	0.25	-	-	-	-	-	0.22	0.25	0.77	0.20	0.15	0.16	0.22	0.25	-0.10	0.05	0.12	0.15	0.07	0.11	0.21	0.20	-0.27	0.47	0.34	0.38	0.31	0.31	0.29	0.33	0.43	0.39	0.26	0.32
Earnings per share from continuing operations - diluted (in dollars per share)
-	-	0.35	1.15	-	0.23	0.29	0.25	0.23	0.13	0.21	0.20	0.14	0.23	0.24	0.25	0.20	-	0.17	0.23	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings per share from discontinued operations - diluted (in dollars per share)
-	-	0.00	0.03	-	-	0.00	0.00	-	-	-	-	-	0.01	0.00	0.38	0.00	-	-0.01	-0.02	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings per share - diluted (in dollars per share)
0.08	0.41	0.35	1.18	0.26	-	0.29	0.25	-	-	-	-	-	0.24	0.24	0.63	0.20	0.16	0.16	0.21	0.24	-0.10	0.05	0.12	0.15	0.07	0.10	0.21	0.19	-0.27	0.46	0.33	0.38	0.30	0.30	0.29	0.32	0.43	0.38	0.26	0.31
Cash dividends declared - common shares (in dollars per share)
-	-	0.05	0.04	-	-	0.03	0.02	0.02	-	0.02	0.02	0.02	0.02	0.02	0.02	0.02	-	0.02	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash dividends paid (in dollars per share)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.00	-	-	-	-	-	-	-	-	-	-
Cash dividends declared
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.04	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Weighted average shares outstanding - basic (in shares)
11,942	11,872	11,731	11,644	11,607	11,598	11,416	10,634	10,474	10,451	10,443	10,343	9,996	8,627	8,080	8,078	8,061	8,063	8,023	7,987	7,983	8,085	8,032	7,897	7,606	6,983	6,908	6,885	5,851	10,991	2,195	2,183	2,183	2,185	2,185	2,187	2,032	1,595	1,593	1,604	1,599
Weighted average shares outstanding - diluted (in shares)
12,298	9,747	12,098	13,155	13,177	13,558	13,113	11,502	12,714	7,160	12,410	12,181	10,009	9,506	10,434	10,433	9,901	6,314	8,176	9,934	8,135	8,223	8,246	8,110	7,828	7,574	7,140	7,054	5,986	11,321	2,245	2,236	2,233	2,263	2,221	2,223	2,068	1,627	1,618	1,631	1,626
Service charges on deposit accounts
Noninterest income
0	-	0	-	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Debit card and interchange income
Noninterest income
0	-	0	-	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-