Financial insights of BANR

Loans receivable

178,389

173,703

173,702*

179,065

Mortgage-backed securities

14,053

14,316

15,241*

15,090

Securities and cash equivalents

10,244

9,799

6,853*

11,693

Total interest income

-

195,796*

-

Interest and dividend income, operating, total

202,686

197,818

-

205,848

Deposits

45,554

45,678

48,448*

52,251

Fhlb advances

1,426

40

-1,571*

1,527

Other borrowings

732

697

703*

694

Subordinated debt

1,234

1,879*

1,387

Interest expense, operating

48,946

47,649

49,458*

55,859

Net interest income

153,740

150,169

146,338*

149,989

Provision for credit losses

3,818

-796

1,848*

2,670

Net interest income after provision (recapture) for credit losses

149,922

150,965

144,490*

147,319

Deposit fees and other service charges

11,728

11,391

9,623*

10,955

Mortgage banking operations

2,792

3,212

3,458*

3,298

Boli

2,471

2,312

2,523*

2,702

Miscellaneous

1,380

1,826

594*

3,175

Other operating income

18,371

18,741

16,198*

20,130

Net loss (gain) on sale of securities

8

-1,242

-187*

377

Net change in valuation of financial instruments carried at fair value

-157

1,662

918*

223

Total non-interest income

18,222

19,161

15,093*

20,730

Salary and employee benefits

69,388

67,732

65,075*

64,935

Less capitalized loan origination costs

5,283

3,886

2,630*

4,802

Occupancy and equipment

10,936

10,697

11,562*

12,518

Information and computer data services

10,322

8,313

8,470*

8,199

Payment and card processing services

6,218

6,041

6,010*

6,060

Professional and legal expenses

2,719

1,613

2,801*

2,190

Advertising and marketing

1,982

673

1,025*

1,395

Deposit insurance

2,819

2,717

2,814*

2,867

State and municipal business and use taxes

1,773

1,820

1,670*

1,655

Real estate operations, net

-165

-109

402*

-203

Amortization of core deposit intangibles

256

373*

341

Miscellaneous

6,695

6,523

6,953*

6,461

Total non-interest expense

107,990

102,608

103,719*

102,022

Income before provision for income taxes

60,154

67,518

55,863*

66,027

Provision for income taxes

11,268

12,802

8,978*

12,525

Net income

48,886

54,716

46,885

53,502

Basic EPS

1.44

1.61

1.368

1.55

Diluted EPS

1.43

1.6

1.356

1.54

Basic Average Shares

34,012,611

34,039,234

34,260,305

34,494,824

Diluted Average Shares

34,129,173

34,254,587

34,572,112

34,659,346

MyFinsight

Income Overview

Time Plot

Income Statement

Income Overview

Time Plot

Income Statement