Financial insights of BUSE

Interest and fees on loans

214,357

214,409

91,765*

111,336

Taxable interest income

22,146

23,393

17,794*

17,789

Non-taxable interest income

1,644

1,640

309*

283

Dividend income on bank stock

871

543

212*

-

Other interest income

5,487

7,461

10,263*

5,092

Total interest income

244,505

247,446

120,342*

134,500

Deposits

84,611

88,147

39,127*

46,634

Federal funds purchased and securities sold under agreements to repurchase

976

886

1,277*

981

Short-term borrowings

26

496

35*

26

Long-term borrowings

937

743

288*

-

Subordinated notes

1,417

2,599

3,113*

3,181

Junior subordinated debt owed to unconsolidated trusts

1,401

1,392

1,354*

1,137

Total interest expense

89,368

94,263

45,193*

51,959

Net interest income

155,137

153,183

75,149*

82,541

Provision for credit losses

-985

5,700

5,172*

2

Net interest income after provision for credit losses

156,122

147,483

69,977*

82,539

Noninterest income-Card Services And ATMFees

-

4,880

-

Noninterest income-Asset Management1

17,184

16,777

-

Noninterest income-Technology Service

5,092

4,956

-

Noninterest income

-

6,902*

28,811

Noninterest income-Treasury Management Services

4,598

4,981

-

Noninterest income-Card Services And ATMFees

4,799

-

Noninterest income-Other Service Charges On Deposit Accounts

1,617

-

Mortgage revenue

657

776

826*

355

Income on bank owned life insurance

1,623

1,745

1,184*

1,189

All other noninterest income

-

5,784*

-

Realized net gains (losses) on the sale of mortgage servicing rights

0

20,310*

-18

Realized net gains (losses) on securities

-13

1

-7,010*

-11

Noninterest income-Other Service Charges On Deposit Accounts

-

1,513

-

Unrealized net gains (losses) recognized on equity securities

-275

5,996

205*

833

Other noninterest income

5,916

3,238

3,631*

4,792

Total noninterest income

41,198

44,863

31,829*

35,951

Salaries, wages, and employee benefits

74,145

78,360

40,002*

44,593

Data processing

9,714

14,021

6,394*

6,910

Net occupancy expense of premises

7,982

7,832

4,903*

4,633

Furniture and equipment expenses

2,143

2,409

1,792*

1,647

Professional fees

2,931

2,874

4,385*

3,118

Amortization of intangible assets

4,507

4,592

2,292*

2,548

Interchange expense

1,336

1,297

1,374*

1,352

Fdic insurance

3,151

2,424

1,294*

1,413

Other noninterest expense

14,109

14,024

7,546*

9,712

Total noninterest expense

120,018

127,833

69,979*

75,926

Income before income taxes

77,302

64,513

31,827*

42,564

Income taxes

20,204

17,109

7,177*

10,560

Net income

57,098

47,404

24,650

32,004

Dividends on preferred stock

5,131

155

-

Net income available to common stockholders

51,967

47,249

-

Basic EPS

0.58

0.53

0.441

0.56

Diluted EPS

0.58

0.52

0.434

0.55

Basic Average Shares

89,136,898

89,645,040

55,877,712

57,033,359

Diluted Average Shares

90,218,382

90,883,711

56,807,924

57,967,848

MyFinsight

Income Overview

Time Plot

Income Statement

Income Overview

Time Plot

Income Statement