Simplicity Bancorp (SMPL) annual income statement covering fiscal 2010 through 2014, as reported to the SEC.
An income statement shows what a company sold and what it cost to run the business, ending with the profit left over.
| Jun'14 | Jun'13 | Jun'12 | Jun'11 | Jun'10 | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Interest income | ||||||||||||||||||||
Interest and fees on loans | ||||||||||||||||||||
32,260 | 35,501 | 39,619 | 42,962 | 44,136 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Interest and fees on loans | 32,260 | 35,501 | 39,619 | 42,962 | 44,136 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Interest on securities, taxable | ||||||||||||||||||||
686 | 492 | 672 | 278 | 351 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Interest on securities, taxable | 686 | 492 | 672 | 278 | 351 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Federal Home Loan Bank dividends | ||||||||||||||||||||
373 | 181 | 38 | 42 | 43 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Federal Home Loan Bank dividends | 373 | 181 | 38 | 42 | 43 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Other interest | ||||||||||||||||||||
111 | 155 | 300 | 304 | 484 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Other interest | 111 | 155 | 300 | 304 | 484 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total interest income | ||||||||||||||||||||
33,430 | 36,329 | 40,629 | 43,586 | 45,014 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total interest income | 33,430 | 36,329 | 40,629 | 43,586 | 45,014 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Interest expense | ||||||||||||||||||||
Interest on deposits | ||||||||||||||||||||
5,208 | 6,484 | 7,673 | 9,188 | 10,795 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Interest on deposits | 5,208 | 6,484 | 7,673 | 9,188 | 10,795 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Interest on borrowings | ||||||||||||||||||||
1,196 | 1,386 | 2,943 | 4,752 | 7,293 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Interest on borrowings | 1,196 | 1,386 | 2,943 | 4,752 | 7,293 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total interest expense | ||||||||||||||||||||
6,404 | 7,870 | 10,616 | 13,940 | 18,088 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total interest expense | 6,404 | 7,870 | 10,616 | 13,940 | 18,088 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Net interest income | ||||||||||||||||||||
27,026 | 28,459 | 30,013 | 29,646 | 26,926 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Net interest income | 27,026 | 28,459 | 30,013 | 29,646 | 26,926 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Provision for (recovery of) loan losses | ||||||||||||||||||||
-700 | 250 | 250 | 950 | 9,867 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Provision for (recovery of) loan losses | -700 | 250 | 250 | 950 | 9,867 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Net interest income after provision for loan losses | ||||||||||||||||||||
27,726 | 28,209 | 29,763 | 28,696 | 17,059 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Net interest income after provision for loan losses | 27,726 | 28,209 | 29,763 | 28,696 | 17,059 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Noninterest income | ||||||||||||||||||||
Service charges and fees | ||||||||||||||||||||
1,999 | 1,667 | 1,632 | 1,687 | 2,194 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Service charges and fees | 1,999 | 1,667 | 1,632 | 1,687 | 2,194 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
ATM fees and charges | ||||||||||||||||||||
2,044 | 2,133 | 2,233 | 2,100 | 1,907 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
ATM fees and charges | 2,044 | 2,133 | 2,233 | 2,100 | 1,907 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Referral commissions | ||||||||||||||||||||
390 | 320 | 313 | 297 | 307 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Referral commissions | 390 | 320 | 313 | 297 | 307 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Bank-owned life insurance | ||||||||||||||||||||
436 | 450 | 478 | 485 | 488 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Bank-owned life insurance | 436 | 450 | 478 | 485 | 488 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Net gain on sales of loans | ||||||||||||||||||||
575 | 2,131 | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Net gain on sales of loans | 575 | 2,131 | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Other noninterest (loss) income | ||||||||||||||||||||
195 | -21 | 21 | 23 | 40 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Other noninterest (loss) income | 195 | -21 | 21 | 23 | 40 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total noninterest income | ||||||||||||||||||||
5,639 | 6,680 | 4,677 | 4,101 | 4,689 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total noninterest income | 5,639 | 6,680 | 4,677 | 4,101 | 4,689 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Noninterest expense | ||||||||||||||||||||
Salaries and benefits | ||||||||||||||||||||
12,089 | 12,766 | 11,421 | 9,395 | 7,969 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Salaries and benefits | 12,089 | 12,766 | 11,421 | 9,395 | 7,969 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Occupancy and equipment | ||||||||||||||||||||
2,954 | 2,980 | 2,715 | 2,430 | 2,349 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Occupancy and equipment | 2,954 | 2,980 | 2,715 | 2,430 | 2,349 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
ATM expense | ||||||||||||||||||||
2,249 | 2,228 | 2,061 | 1,815 | 1,753 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
ATM expense | 2,249 | 2,228 | 2,061 | 1,815 | 1,753 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Advertising and promotional | ||||||||||||||||||||
1,285 | 1,054 | 459 | 333 | 385 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Advertising and promotional | 1,285 | 1,054 | 459 | 333 | 385 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Professional services | ||||||||||||||||||||
2,130 | 2,072 | 2,217 | 1,461 | 1,030 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Professional services | 2,130 | 2,072 | 2,217 | 1,461 | 1,030 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Federal deposit insurance premiums | ||||||||||||||||||||
498 | 641 | 560 | 981 | 1,034 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Federal deposit insurance premiums | 498 | 641 | 560 | 981 | 1,034 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Postage | ||||||||||||||||||||
209 | 244 | 253 | 275 | 273 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Postage | 209 | 244 | 253 | 275 | 273 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Telephone | ||||||||||||||||||||
795 | 851 | 816 | 713 | 681 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Telephone | 795 | 851 | 816 | 713 | 681 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Loss on equity investment | ||||||||||||||||||||
-356 | -258 | -188 | -114 | -247 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Loss on equity investment | -356 | -258 | -188 | -114 | -247 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
REO foreclosure expenses and sales (gains)/losses, net | ||||||||||||||||||||
-36 | 222 | -238 | -491 | -30 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
REO foreclosure expenses and sales (gains)/losses, net | -36 | 222 | -238 | -491 | -30 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Electronic services | ||||||||||||||||||||
518 | 439 | 321 | 234 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Electronic services | 518 | 439 | 321 | 234 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Other operating expense | ||||||||||||||||||||
1,771 | 1,828 | 1,673 | 1,413 | 1,578 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Other operating expense | 1,771 | 1,828 | 1,673 | 1,413 | 1,578 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total noninterest expense | ||||||||||||||||||||
24,890 | 25,139 | 22,922 | 19,164 | 17,022 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total noninterest expense | 24,890 | 25,139 | 22,922 | 19,164 | 17,022 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Income before income tax expense | ||||||||||||||||||||
8,475 | 9,750 | 11,518 | 13,633 | 4,726 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Income before income tax expense | 8,475 | 9,750 | 11,518 | 13,633 | 4,726 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Income tax expense | ||||||||||||||||||||
3,162 | 3,529 | 4,298 | 4,880 | 1,386 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Income tax expense | 3,162 | 3,529 | 4,298 | 4,880 | 1,386 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Net income | ||||||||||||||||||||
5,313 | 6,221 | 7,220 | 8,753 | 3,340 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Net income | 5,313 | 6,221 | 7,220 | 8,753 | 3,340 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Earnings per common share: | ||||||||||||||||||||
Basic (in usd per share) | ||||||||||||||||||||
0.72 | 0.76 | 0.81 | 0.95 | 0.35 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Basic (in usd per share) | 0.72 | 0.76 | 0.81 | 0.95 | 0.35 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Diluted (in usd per share) | ||||||||||||||||||||
0.72 | 0.76 | 0.81 | 0.95 | 0.35 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Diluted (in usd per share) | 0.72 | 0.76 | 0.81 | 0.95 | 0.35 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||