| Dec 31, 2010 | Dec 31, 2011 | Dec 31, 2012 | Dec 31, 2013 | Dec 31, 2014 | Dec 31, 2015 | Dec 31, 2016 | Dec 31, 2017 | Dec 31, 2018 | Dec 31, 2019 | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2023 |
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Interest and fees on loans | 213 | 204 | 208 | 239 | 243 | 242 | 251 | 267 | 301 | 321 | 308 | 302 | 463 |
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Securities available for sale | - | - | - | - | - | - | - | - | - | - | - | 23 | 30 |
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Securities held to maturity | 4 | 3 | 2 | 3 | 5 | 9 | 10 | 11 | 13 | 19 | 15 | 13 | 21 |
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Other | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 4 | 3 | 2 | 10 |
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Interest, dividends and other income | 256 | 240 | 239 | 269 | 275 | 273 | 287 | 309 | 344 | 368 | 348 | 340 | 523 |
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Deposits | 30 | 23 | 19 | 16 | 14 | 14 | 14 | 14 | 22 | 40 | 22 | 11 | 105 |
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Short-term borrowings | 0 | 0 | 0 | 1 | 1 | 1 | 2 | 6 | 11 | 10 | 3 | 0 | 26 |
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Interest expense incurred on all long-term debt during the reporting period, excluding junior subordinated debentures. | - | - | - | - | - | - | - | - | - | 2 | 2 | 0 | 1 |
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Subordinated debt | - | - | - | - | - | - | - | - | - | - | 3 | 5 | 6 |
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Junior subordinated debt | 4 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 4 | 4 | 3 | 2 | 7 |
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Total interest expense | 53 | 40 | 35 | 31 | 23 | 21 | 23 | 26 | 39 | 56 | 33 | 19 | 145 |
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Net interest income | 203 | 200 | 204 | 238 | 252 | 253 | 264 | 283 | 306 | 312 | 316 | 321 | 378 |
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Provision | - | - | - | - | - | - | - | - | - | - | 51 | -8 | 25 |
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Net interest income after provision for loan losses | 173 | 180 | 184 | 216 | 232 | 234 | 239 | 253 | 277 | 286 | 265 | 329 | 353 |
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Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from non-transaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (9) issuing stop payment orders; (10) certifying checks; and (11) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early withdrawal of time deposits | 24 | 21 | 18 | 19 | 18 | 17 | 17 | 17 | 17 | 17 | 13 | 13 | 15 |
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Includes amounts charged to depositors for card services. | - | - | - | - | - | - | - | - | - | - | - | - | 21 |
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Includes amounts charged to customers for administration of retirement plans. | 10 | 9 | 10 | 11 | 12 | 14 | 16 | 20 | 27 | 30 | 36 | 42 | 47 |
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Includes amounts charged to customers for wealth management. | - | - | - | - | - | - | - | - | - | - | 29 | 34 | 35 |
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Insurance services | - | - | - | - | - | - | - | - | - | - | 15 | 14 | 16 |
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Bank owned life insurance income | 3 | 3 | 3 | 4 | 5 | 4 | 5 | 5 | 5 | 5 | 6 | 6 | 7 |
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Net security losses (gains) | - | - | - | - | - | - | - | - | -6 | 4 | -0 | 1 | -9 |
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Other | 6 | 5 | 11 | 11 | 11 | 14 | 16 | 12 | 15 | 19 | 22 | 16 | 11 |
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Total noninterest income | 84 | 80 | 87 | 103 | 126 | 118 | 116 | 121 | 125 | 144 | 146 | 158 | 142 |
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Salaries and employee benefits | 94 | 99 | 105 | 114 | 120 | 124 | 130 | 134 | 152 | 157 | 162 | 173 | 194 |
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Technology and data services | 12 | 12 | 13 | 15 | 16 | 17 | 16 | 17 | 18 | 18 | 17 | 17 | 38 |
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Occupancy | 15 | 16 | 17 | 21 | 22 | 22 | 21 | 22 | 22 | 23 | 22 | 22 | 28 |
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Professional fees and outside services | 9 | 9 | 10 | 13 | 14 | 13 | 14 | 13 | 14 | 15 | 15 | 16 | 18 |
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Office supplies and postage | 6 | 6 | 6 | 7 | 7 | 6 | 6 | 6 | 6 | 7 | 6 | 6 | 7 |
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FDIC assessment | 6 | 4 | 4 | 5 | 5 | 5 | 5 | 5 | 5 | 2 | 3 | 3 | 6 |
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Advertising | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 2 | 3 | 3 |
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Amortization of intangible assets | 3 | 3 | 3 | 5 | 5 | 5 | 4 | 4 | 4 | 4 | 3 | 3 | 5 |
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Includes expenses incurred to support loan collection efforts and administration of other real estate owned. | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 5 | 4 | 4 | 3 | 3 | 3 |
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Merger and acquisition integration related expenses | - | - | 3 | 12 | - | - | - | - | - | - | - | - | 10 |
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Other | 13 | 16 | 16 | 20 | 20 | 25 | 20 | 22 | 20 | 24 | 25 | 20 | 30 |
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Total noninterest expense | 178 | 181 | 194 | 229 | 246 | 236 | 236 | 246 | 265 | 275 | 278 | 287 | 342 |
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Income before income tax expense | 78 | 79 | 77 | 90 | 112 | 117 | 119 | 128 | 137 | 155 | 133 | 200 | 153 |
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Income tax expense (benefit) | 21 | 21 | 23 | 28 | 37 | 40 | 40 | 46 | 24 | 34 | 29 | 45 | 35 |
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Net income | 57 | 58 | 55 | 62 | 75 | 76 | 78 | 82 | 113 | 121 | 104 | 155 | 119 |
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Basic EPS (in dollars per share) | 1.67 | 1.72 | 1.63 | 1.47 | 1.71 | 1.74 | 1.81 | 1.89 | 2.58 | 2.76 | 2.39 | 3.57 | 2.67 |
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Diluted EPS (in dollars per share) | 1.66 | 1.71 | 1.62 | 1.46 | 1.69 | 1.72 | 1.8 | 1.87 | 2.56 | 2.74 | 2.37 | 3.54 | 2.65 |
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